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Helen Keller

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isability, or a lack of ability relative to the normal population is not always thought of as a disability by those that are considered as such. There are many well-known disabled persons throughout history that have not only risen above their disabilities, but have gone on to use their disabilities to enhance their lives and the lives of others. Those Who Rise Above Disabilities... Continued on Page 2

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SNIPPETZ LOOKS AT THOSE WHO RISE ABOVE DISABILITIES

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Helen Keller FEATURE ARTICLES Strange But True... 5 Senior News Line... 6 Moments In Time... 8 How To Wiggle Out of The Mud... 10 STYLE PAGE 7 Kims Korner PETS 9 Paws Corner SAINT Adoptions HEALTH AND WELLNESS PAGES 10-11 Diet Center Health Bulletin... 10 Jills Health Tips... 10 The Doctor Is In... 11 To Your Good Health... 11 SNIPPETZ BUSINESS DIRECTORY 12 The Place To Find Local Businesses on the Go! THE DINING GUIDE PAGES 13-15 Gretchen’s Goodies... 14 Patricia’s Café... 15 Vino-Bits... 15 BUSINESS AND FINANCE 16-19 Financial Focus ... 16 The Chamber of Commerce Page... 17 Dollars and Sense... 18 The Law According To Stevens... 18 PUZZLES, TRIVIA, ENTERTAINMENT 20-21 Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope) CLASSIFIED PAGE 22 GREAT BARGAINS - Find Your Treasure!

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Those Who Rise Above Disabilities... Continued from Page 1

HELEN KELLER One of the most well-known disabled persons was Helen Keller (1880-1968) who contracted a disease when just over 18 months old that may have been meningitis or scarlet fever. The disease rendered her blind and deaf. After a visit to Alexander Graham Bell, who referred her to the Perkins Institute for the Blind in Boston, Keller’s parents hired Anne Sullivan to work with Keller. Sullivan was a 20-year-old former student of the Institute and sight impaired. She taught Keller how to communicate through sign language used in the palms of her hands. She eventually became Keller’s governess and companion for the remainder of Sullivan’s life. Some highlights of Keller’s life: • The ﬁrst blind person to ever earn a Bachelor of Arts degree. She graduated from Radcliffe College magna cum laude. • Activist for disabled persons • Radical socialist and supporter of the working class • A suffragist • Co-founder of the American Civil Liberties Union in 1920

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(719) 481-1981 infections. Edison was a poor student and had difﬁculty with mathematics, speech and focus. He only made it through three months of formal education. • Ludwig Van Beethoven composed and performed music even when completely deaf. • Marlee Matlin, a deaf woman, won the Academy Award for Best Actress for her work in “Children of a Lesser God.” • Johnnie Ray (1927-1990), singer, pianist and songwriter, was partially deaf starting at the age of 13 due to an injury. He eventually became completely deaf after a surgery when he was about 30 years old. He continued to perform music with the help of hearing aids.

LOU GEHRIG’S DIEASE, OR AMYOTROPHIC LATERAL SCLEROSIS (ALS)

• Mark Twain, Charlie Chaplin and Alexander This neurodegenerative disease that is progresGraham Bell were her friends sive and typically fatal is named after the famous • Met every U.S. President from Grover CleveAmerican baseball player who was diagnosed in land to Lyndon B. Johnson 1938. Gehrig only lived thee years past his di• Authored 12 books agnosis, but others have lived longer and have • Awarded the Presidential Medal of Freedom made great contributions in spite of this paralyzing disease. in 1964 Helen Keller will not soon be forgotten as her life has been chronicled in written form, on stage and in the movies. She was also placed on the Alabama state quarter in 2003, has a hospital dedicated to her (Helen Keller Hospital in Shefﬁeld, Alabama) and has a street named after her in Spain.

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• Thomas Edison, inventor of the phonograph and the light bulb, was hearing impaired due to scarlet fever and untreated childhood middle ear

• Stephen Hawking has lived more than 40 years with the terminal diagnosis given him while pursuing his college education. He went on to become a world renowned physicist working on notable projects such as Einstein’s General Theory of Relativity. He married, became a father and continued his life’s work while being conﬁned to a wheelchair. Hawking eventually lost use of his hands and uses a speech synthesizer to dictate his work into his computer where it is transcribed. Those Who Rise Above Disabilities... Continued on Page 3

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Those Who Rise Above Disabilities... Continued from Page 2

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• Charles Mingus (1922-1979) was diagnosed with the disease in his mid 50’s. He had to give up bass and piano, but continued to compose jazz music until his death. • A teacher, Chris Pendergast raised awareness of the disease by riding in his electric wheelchair from Yankee Stadium (Lou Gehrig’s team) to Washington, D.C., a 350-mile trek taking 15 days. He called the trip a “Ride for Life,” which continues annually in order to raise money for ALS research.

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• Peter Gray (1915-2002) dreamed of being a major league baseball player even after he lost his right arm in an accident at the age of six. In 1945, he played for a short time with the Browns where he was taunted and abused because of his disability. He went back to the minors and continued to play until his retirement in 1949. Gray was an active mentor of children in his community after his retirement. His custom-made baseball glove can be seen in the Baseball Hall of Fame. • Aimee Mullins competed in track and field while in college and set records in the 1996 Atlanta Paralympics in the 100-meter dash and long jump. These accomplishments, along with an acting and modeling career, came after losing both of her legs at the age of one. • Glenn Malmskog, a below knee amputee, was a stuntman in Hollywood for over 20 years before becoming a firefighter, the first amputee firefighter in the state of California. • Tom Whittaker founded the Cooperative Wilderness Handicapped Outdoor Group in Pocatello Idaho in 1981. He was the first disabled person to make it to the summit of Mount Everest. He continues to climb without his right foot.

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Those Who Rise Above Disabilities... Continued on Page 4

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• Lionel Aldridge (1941-1998), a defensive end for the Green Bay Packers in the 1960’s and sports analyst suffered from paranoid schizophrenia beginning in the 1970’s. He went untreated and became homeless. Eventually, friends helped him ﬁnd treatment options.

C O U N T S

W H E N

• Mary Todd Lincoln (1818-1882), wife of U.S. President Abraham Lincoln, suffered from schizophrenia.

Q U A L I T Y

• John Nash, the subject of the movie “A Beautiful Mind,” is a brilliant mathematician who published 23 scientiﬁc studies between 1945 and 1996. He was awarded the John von Neumann Theory Prize for inventing non-cooperative equilibria, now referred to as Nash equilibria.

W H E N

Schizophrenia is a mental disorder that causes impairment in a person’s perception of reality. It is characterized by hallucinations, delusions and paranoid thinking. Many schizophrenics have made substantial contributions to society in spite of their disabilities.

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MORE SUCCESS STORIES • Franklin Delano Roosevelt (18821945), U.S. President serving four terms while wheelchair bound, worked hard to walk very short distances using a cane in order to keep his paralysis hidden from the public. His paralysis was thought to be from polio at the time, but a study done in 2003 concludes that it was Guillain-Barre syndrome, an autoimmune disease affecting the peripheral nervous system and causing paralysis. • Jack Nicklaus contracted polio at a young age, but later became a great golfer, writer and golf course designer. • Itzhak Perlman, an Israeli-American violinist and conductor was stricken with polio at the age of four. Today he uses crutches or a wheelchair and sits while playing the violin. • Joni Mitchell, Canadian musician and songwriter contracted polio at the age of nine. She became a famous folk rock singer and played several instruments.

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• Jean Driscol, also inﬂicted with spina biﬁda, became an athlete and professional speaker. She has won the wheelchair division of the Boston Marathon eight times.

Controlled Alternatives to the Mental Health System,” and received the Distinguished Service Award of the President of the United States from the President’s Committee on Employment of People with Disabili• Dinah Shore (1916-1994) was a ties. successful actress and singer with a slightly deformed foot and limp af- • Judy Heumann became the Aster having polio as a toddler. sistant Secretary of Education responsible for the Office of Special • Alan Alda, best known as the char- Education and Rehabilitation. This acter Hawkeye Pierce on the long- was not an easy task considering at running television series M.A.S.H. one time the New York City Board contracted polio at the age of sev- of Education refused to let her teach en and went on to win five Emmy because of her disability. Heumann Awards, six Golden Globe awards was confined to a wheelchair due to and become an Academy Award a bout with polio at the age of 18 nominee. months. She co-founded the World Institute on Disability and became the World Bank Advisor on DisabilWHEN LIFE GIVES ity & Development.

YOU LEMONS, MAKE LEMONADE

• Mia Farrow, an actress appearing

There are those who use their disability to educate others and have likely made the world a better place for those with and without disabilities: • Joni Eraekson became a quadriplegic after a diving accident in 1967 and went on to become an author. She founded the disability ministry “Joni and Friends,” which delivered her message through radio and a magazine column. She was the ﬁrst to receive an honorary doctorate from Columbia University.

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• Fourth of July • Thanksgiving • Christmas • Hanukkah • Easter

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YOU’RE INVITED TO A LIFE-CHANGING SEMINAR… When: January 31st, 2009. 8am-9am. Cost: This COMPLIMENTARY informational seminar with $149 in free gifts is courtesy of Freedom School of Martial Arts. What to Bring: A healthy desire to look and feel your best, and FINALLY follow through on your New Year’s Resolutions with a TEAM of helpers. What to Expect: NEW information on how to lose weight, ﬁrm up, feel great… all within your busy schedule…in the healthiest environment. Where: Freedom School of Martial Arts, Monument Plaza, 481 Highway 105, Suite #213. ( Next to Wells Fargo and American Family Insurance.) Classes begin FEBRUARY 2nd, 2009 Monday-Wednesday-Friday 6am, 7am & 5:45pm

• Judi Chamberlin became an activist for psychiatric patients after being hospitalized for depression. She published “On Our Own: Patient-

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• Christopher Reeve (1952-2004), actor, producer and director, became paralyzed from an equestrian accident in 1995. While being conﬁned to a wheelchair, Reeve spent the rest of his life raising awareness of and funds for spinal cord injury research. He left behind the Christopher Reeve Foundation as well as the Reeve-Irvine Research Center.

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• David Sanborn, a jazz saxophonist, took up the saxophone at a young age on his doctor’s advice that playing would improve his breathing ability and strengthen his chest • Laurent Clerc (1785-1869) was a muscles after a bout with polio. deaf man who, along with Thomas • Rene Kirby, actor in movies such Hopkins Gallaudet, co-founded the as “Shallow Hal” and “Stuck on American School for the Deaf, the You” suffered from spina biﬁda, a ﬁrst school of its kind in the U.S. birth defect involving the incomplete closure of the neural tube causing nerve damage from birth.

in over 40 ﬁlms, overcame childhood polio and has dedicated much of her time as a Unicef Goodwill Ambassador as well as to other organizations in order to ﬁght polio and bring awareness to the world.

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• Herpetologists can tell you that of all the victims of rattlesnake bites, only about half of them actually hear the telltale rattle before being bitten.

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• The “Guinness Book of World Records” used to have a category for how many live goldfish a person could eat at once, but it was eliminated. Interestingly, the reason for the elimination had nothing to do with cruelty to animals, but rather had to do with the difficulty of preventing cheating. It seems that some would-be competitors were breeding smaller and smaller fish for consumption. • The word “alimony” is derived from the Latin word “alimonia,” which means “nourishment.” • Those who study such things say that the month in which you are most likely to be shot, strangled or poisoned is December. They don’t seem to venture an opinion regarding why, however.

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• On average, British women are shorter than women in the United States. • Who among us isn’t familiar with the line, “Quoth the Raven, nevermore”? As virtually anyone who made it through middle-school English class can tell you, it’s from Edgar Allan Poe’s classic poem “The Raven.” Considering the ubiquitous nature of the work, though, you might be surprised to learn that Poe earned a grand total of $9 from the ﬁrst publication of the poem. • The brain of an ostrich is actually smaller than one of its eyes.

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SENIOR NEWS LINE by Matilda Charles

HOW OLD DO YOU FEEL?

show of hands, please: How many of us feel signiﬁcantly younger than our real age? Many seniors feel, on average, about 13 years younger than we really are. So says a large study that was done over the course of six years with participants aged 70 and older. The mirror told a different story, though. It’s not surprising that women felt closer to their real age when it comes to appearance. We can blame Madison Avenue for that one, I’m sure. In certain circles there’s a negative stereotype about older women, and unfortunately some of us buy into it. Men don’t seem to have the same self-image problems, according to the study. And given the same age between men and women, women perceived themselves to be on average four years older than the men. By the end of the study, however, it was the men whose satisfaction

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with themselves decreased more than the women’s did. Perceptions in general changed as the study went on. By the end of the study, many reported a decrease of a few years in the difference between real and perceived age.

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There was a link between feeling young and healthy and living a long life, of course. Those who had a positive attitude about aging in general had the greatest discrepancy between real and perceived age. Those who started the study with health issues perceived their age to be closer to what it actually was.

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I’m not sure I like the attitude of one of the researchers, though. She was quoted as saying that the 13 years is an “illusion.” Of course it is. But so are the images that are put before us by Madison Avenue. As long as we’re happy and healthy, does it matter what “number” we assign ourselves? Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@ gmail.com. (c) 2009 King Features Synd., Inc.

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Now, in a dining room, I do like by Kim Carson to complement a chandelier with some recessed lighting around the perimeter of the room or on the buffet by adding some buffet lamps or having a sideboard with a lamp on it. Don’t just have one form of STEP 4: lighting in the room because it shadows in a room. In fact, LIGHTING - PART 2 creates in any room, not just the kitchen, dining room or breakfast room, irst, the chandelier needs to be always have some light fixtures at hung about 30 inches above eye level. the table with a minimum of 150 watts. If your ceiling is The reason for that - think about higher than 8 feet, you can raise Halloween. Did you ever dress that chandelier slightly, but a lot of up and take a flashlight and put it times, we hang the light fixture up right over your head? Well, in my too high. What happens is, we don’t case, my nose would look about 3 really look that good and while feet wide and about 2 feet long. It our food doesn’t look that bad - it is not a pretty sight. I would have doesn’t look that great either. Our these shadows under my eyes that food will look better; we’ll look looked that I hadn’t slept for days, better if the chandelier is hung at and unfortunately, that’s the way we look when all of the lighting is the appropriate height. coming down from the ceiling. So, The chandelier should also be 12 add some lamps; add some lighting; inches narrower than the table. add some wall sconces that are more We have a restaurant in the town at eye level and you’ll be surprised where I live called “The Little at how much more attractive you Corporal”. Around the room are all will be in that room. these booths, round booths, wall banquets, and they have a light You can use lamps such as a fixture that is in red, white and blue torchiere, which is considered an shaped like a drum. The drum is a accent light, in a corner to eliminate beautiful idea. It’s very decorative, a shadowy corner you’ll find that the but unfortunately, it didn’t follow room actually looks larger. Think this rule, so when anybody sitting about adding an up-light in a plant in that banquet goes to get out of or a can light like a ficus, a rubber it, they always hit the chandelier. tree, or any nice size plant. Whether So remember, the chandelier needs it’s fake or it’s real, you can add to be 12 inches narrower than the these and you’ll have a beautiful play of lights and shadows across table. your room that is very visually Think about how you get up or you interesting. sit down. You lean forward. When you go to get up, you lean forward Lighting can change your room. It and you push yourself up, and guess can change the feel of the room; it what? There’s that darn chandelier. can change how you look; it can bring out the sheen in your dressy Scale is also important, not only fabrics; it can bring out the texture for your table size, but also for in your cozy, casual room; it can do the room. I’m going to give you so much. just what I call guidelines because these are just guidelines. You might have a chandelier that is 20 inches Coming up next is window diameter, but if it’s in wrought iron coverings in Step 5! and black, it’s going to look a lot heavier than the crystal 20 inch with three arms. Keep in mind, these are Courtesy of Sally Morse just guidelines.

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• On Jan. 30, 1972, in Londonderry, Northern Ireland, 13 unarmed civil-rights demonstrators are shot dead by British army paratroopers in an event that becomes known as “Bloody Sunday.” In April 1972, the British government released a report exonerating British troops from any illegal actions during the protest.

the sunlight throughout the day. Edison spent $638 building the studio, which he called a “revolving photographic building.”

• On Jan. 26, 1838, the first Prohibition law in U.S. history is passed in Tennessee, making it a misdemeanor to sell alcoholic beverages in taverns and stores. Despite an often-vigorous effort, the federal government failed to prevent the large-scale distribution of alcoholic beverages, and organized crime flourished. • On Feb. 1, 1893, Thomas Edison finishes the first movie studio on his property in West Orange, N.J. The studio, a frame cabin covered with black roofing paper, was built on a pivot so it could be turned to face

• On Jan. 27, 1918, the first Tarzan film, “Tarzan of the Apes,” is released. The silent movie, based on Edgar Rice Burroughs’ novel, was the first in a long line of Tarzan productions. Olympic champion swimmer Johnny Weissmuller starred in 11 Tarzan movies from 1932 to 1948.

• On Jan. 29, 1980, the U.S. Postal Service issues a stamp honoring comedian W.C. Fields. On screen, Fields was a misanthrope who hated children and animals and

fought bankers, landladies and the police. Friends reported that his stage presence reﬂected Fields’ true personality. • On Jan. 31, 1990, the Soviet Union’s ﬁrst McDonald’s fast-food restaurant opens in Moscow. Throngs of people lined up to pay the equivalent of several days’ wages for Big Macs, shakes and french fries. (c) 2009 King Features Synd., Inc.

finders keepers by Peggy Rima

“gifts from the heart”

• On Jan. 28, 1959, the Green Bay Packers of the National Football League sign Vince Lombardi to a five-year contract as the team’s coach and general manager. In his first season, Lombardi guided the Packers to a 7-5 record and a third-place finish in the NFL’s Western Conference.

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Paws Corner By Sam Mazzotta

BETTA FISH DIDN’T HAVE TO DIE

adam Marly is a mix breed pup with beautiful eyes. She is about 10 weeks old. She’s a very sweet little girl but still all puppy! She came to SAINT Animal Rescue from a place with many other dogs but loves people.

Animal Rescue asks the adopter to give the animal a reasonable amount of time to adjust to it’s new family and environment. This is so very important to your new family member as well as your existing family members.

DEAR PAW’S CORNER: I’m writing regarding the column about the children who didn’t take care of their pet fish. It seems to me that the consequence of failing to take care of the Betta fish was that the fish died. Teaching the kids to be responsible is a wonderful thing; the at parent was not being responsible.

tentional animal cruelty, but deﬁnitely of being irresponsible. How can she teach responsibility when she wasn’t responsible herself? In the long run, if neglect is the cause of the ﬁsh’s death, she, not the children, is responsible. On the positive side, she is correct to not allow the kids to have another pet. Good for her on that count. -- Beth BETH: That’s a sensible answer, Beth, and thanks. I got quite a few letters on this issue, many fairly hysterical. While I don’t condone the death of a pet due to neglect, I’m also quite sure the mother felt badly about what happened. If she didn’t, she wouldn’t have asked me for advice on getting another pet.

Please visit our website We think Madam Marly will be saintanimalrescue.org and as a mid sized dog when full grown always thank you for caring. I didn’t see the original letter, but That leaves one remaining question and probably have a fuller ﬂuffy apparently the ﬁsh wasn’t being for my readers: How can her chilcoat. fed. The mother should’ve put it dren prove to her that they are ready “A dog wags its tail If you are interested in adopting Madam Marly into your heart and home please call SAINT Animal Rescue located in Calhan. Our phone number is 541-3099 but you might need to use the 719 area code.

in her routine to accompany the kids daily to their pet-care chores and verify they were being accomplished. If the kids didn’t want to do those chores, she could’ve given the fish away. And if she was unable to fit overseeing the pet care into her schedule, she should have never gotten the fish in the first place.

with its heart.”

- Martin Buxbaum

It is always a challenge when adopting a new pet. SAINT

I’m not accusing the mother of in-

DOES YOUR DOG GET THE EXERCISE HE/SHE NEEDS?

Barbara Oakley

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Send your tips, questions and comments to Paws Corner, c/o King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or e-mail them to pawscorner@hotmail.com. (c) 2009 King Features Synd., Inc.

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SNIPPETZ® HEALTH AND WELLNESS

HEALTH BULLETIN NUTRITION TIPS BENEFITS OF BANANAS

eep on eating those nutritious bananas! Bananas are high in vitamin B6, which is necessary for carbohydrate, fat, and protein metabolism. Vitamin B6 is also needed for the formation of antibodies. Bananas are also a good source of vitamin C, which helps ﬁght infections. The potassium and low sodium feature of bananas can help protect against high blood pressure. Bananas are also sources of easily

HOW TO WIGGLE OUT OF THE MUD

By Dr. Ron Ross

PREPARE FOR THE BOOM:

PURSUE YOUR PASSION

great way to prepare for the boom that we all hope will one day replace these days of woe is to pursue your passion – your positive passion, I mean. Lust, greed, hatred, anger, etc. are all passions, but they are the nasty kind, the kind that sends you into a tailspin instead of an upsurge. The passions I’m suggesting you pursue are the powerful, positive passions that spring forth from within the essence of who you are and why you have been born. You have been born with a purpose, you know. You have been given a life to live; you are here for an important reason. Find it. Pursue it. Become the person only you were meant to be. Here are three actions you can take that will help you become that very special person: First of all, get focused. Find out what it is that you want to accomplish in this life and focus down on it. This means you must not be distracted by the myriad of other “opportunities” that are sure to come your way. About a week ago a friend told me about an exciting new business opportunity that he wanted me to get in on. I had no

digestible fiber, folate, magnesium, and riboflavin. One can enjoy the creamy texture and sweet taste of a banana and obtain many nutrients. Your Diet Center program allows for one 4-inch banana as 1 fruit exchange. It would make a great choice for a snack, dessert, or part of your breakfast. Enjoy bananas in fruit salads, added to yogurt, or frozen on a stick for a cool treat! You can even enjoy it blended in a Diet Center Instant Shape Up Drink or Vanilla Gold Premium Protein Supplement. Bite into a banana and gain nutritious benefits!

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doubt that what he was suggesting had great potential, but it did not fit into the matrix of my own personal passions and interests. Did I give up a golden milliondollar opportunity? Perhaps. But what I didn’t do was to allow yet another distraction to the focus of the positive passions I am now pursuing. Second, get informed. Once you’ve discovered what is really important to you, what you really want to do with the rest of your life, get informed about it. Just because you care deeply about an issue in our culture, or have a solution to a significant problem, or know about a product that can change people’s lives, doesn’t mean you’re ready to leave everything behind and launch yourself. You must become an expert in what it is that excites you. That means you must read, learn, question, research, do everything and anything you can do to build your knowledge base. Then you must get busy. Your passion plus your knowledge is worth little until it is empowered by action. So whatever problem you’ve been born to solve, begin to solve it. The great idea you’ve finally apprehended, commence sharing it. Whatever product you’ve come to utilize and believe in yourself, start to sell it.

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Don’t wait for some great inspiration or for your sister-in-law to get on board or for the market to change or for the weather to improve. Get after it. Pursue it. Or as the Nike people say, just do it! You’ll ﬁnd great satisfaction in the pursuit of your passions and you’ll change your world in the process. “Prepare for the Boom” is a series of columns that will appear over the next several months. A compilation of the series will be made available toward the end of the series. To join Dr. Ross’s e-mailing list please go to www. MileHighMotivator.com and sign up. There is no charge. For feedback email: Dr.Ross@comcast.net.

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SNIPPETZ® HEALTH AND WELLNESS THE DOCTOR IS IN

Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Heather F. Fink, PA-C

An insightful look at Health

by Dr. Christy Meislahn

DO ANTIBACTERIAL SOAPS WORK?

y the looks of most bathrooms in this country these days, just about everyone is using antibacterial soaps. In fact, it takes some effort to ﬁnd soap that isn’t antibacterial.

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Experts recommend that you use a combination of soap and comfortEnjoy the Beauty of ably warm water. Rub all surfaces Colorado Without the of the hands for at least 20 seconds; Sneeze or the Wheeze. Advertising teaches us to fear especially under the fingernails (usIndividualized germs. You sell more antibacterial ing a brush is best). The soap and scrubbing action, along with the treatment for: soap that way. It’s even marketed as a preventive measure against colds slippery surface created by the soap, Nasal Allergies and flu. Only problem is colds and do the trick! Chronic Sinusitis flu are viral and antibacterial prodFood Allergy ucts have NO effect. The truth is, Hives antibacterial soaps contain harmful Eczema carcinogens and are no more effecAsthma The information in this article is tive in killing germs than regular provided solely for educational purIncluding soap—AND are probably responposes and not as medical advice. Allergy Injections sible for breeding stronger, more Please consult a medical or health resistant strains of bacteria. professional if you have questions At the Medical Center about your health. No liability is next to Safeway The U.S. Center for Disease Control accepted should you decide to selfagrees! It recommends that the most treat or self-prescribe. effective way to reduce the spread of infectious disease is washing To set up an appointment called magnetic resonance angiograour hands. But antibacterial soaps call Dr. Christy at phy. It’s a magnetic resonance imagare not necessary. Neither is scalding -- MRI -- scan with dye injected 719 • 488 • 8789 ing hot water since our hands can’t into the arteries to outline any aneurysm. Most authorities don’t recommend screening first-degree relatives, an aneurysm? I am now 66. -- W.C. because their risk is small and the procedure carries an equally small ANSWER: An aneurysm is a weak danger. spot on an artery wall. It looks like a blister. Aneurysms can develop on The booklet on stroke explains this any artery, but they are mostly found common and sometimes crippling on the aorta and on brain arteries. condition. Readers can obtain a copy Should the aneurysm break, bleeding by writing: Dr. Donohue -- No. 902W, can be catastrophic. Box 536475, Orlando, FL 328536475. Enclose a check or money orRuptured brain aneurysms account der (no cash) for $4.75 U.S./$6 Canfor 10 percent of strokes, and fre- ada with the recipient’s printed name quently they occur in younger peo- and address. Please allow four weeks ple, ones not thought to be at risk of for delivery. a stroke. The story is much like your brother’s. A person, apparently in *** good health, complains of having the worst headache ever. Then he might DEAR DR. DONOHUE: I recently lapse into unconsciousness briefly. read that nausea and gas are sympHe might have a seizure. The mortal- toms of pancreatic cancer. I have ity of a ruptured brain aneurysm is both. Could I have pancreatic cancer? high, more than 50 percent. I am 79. -- E.B.

BRAIN BLEED CAUSES STROKE AT YOUNG AGE

DEAR DR. DONOHUE: When my brother was 47, he died of a stroke caused by bleeding in his brain. He was ﬁne one minute, and the next he was in a coma. An autopsy showed he had had an aneurysm that ruptured. I have four other brothers and three sisters. Should we all be checked for

First-degree relatives of a person who had a brain aneurysm have an increased risk of also having one, but the risk is relatively small, about 1 percent to 4.7 percent. A ﬁrst-degree relative is a parent, brother, sister or child. The best way to detect a brain aneurysm is a special kind of scan

ANSWER: Pancreatic cancer’s average age of onset is 65. The risk of coming down with it increases with age. About 34,000 new cases of it occur yearly in the United States. It is the fourth leading cause of cancer deaths.

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What makes pancreatic cancer such a peril is its lack of signs and symptoms in its early stages. Symptoms, when they do arise, include loss of appetite, a drop in weight, stomach discomfort or pain, nausea and a sensation of fullness after taking only a few bites of food. As the cancer grows, it blocks the drainage of bile, and the skin and whites of the eyes turn yellow. Your symptoms are common to many things, and pancreatic cancer is not high on the list. However, I have learned one thing about medicine: When a person brings up a diagnosis, I can’t dismiss it, no matter how remote the chances of having it are. See your doctor. You and I will sleep better if you do. *** 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 328536475. (c) 2009 North America Synd., Inc. All Rights Reserved

SNIPPETZ BUSINESS DIRECTORY

THE PLACE TO FIND LOCAL BUSINESSES ON THE GO!

IF YOU WOULD LIKE YOUR BUSINESS LISTED IN THE SNIPPETZ BUSINESS DIRECTORY PLEASE CALL: BJ 641-8200 OR GEORGE 487-0484

AUTOMOTIVE MAXX POWER LLC

Specializing in Diesel Performance (719) 488-0943 www.maxxpowertrucks.com PORSCHE BOXTER SERVICE Custom cylinder head and engine overhauls All Makes - Carry In

Rup Engines 719-205-3010

COMPUTER TLC COMPUTER REPAIR Sales and Service PC Recycling Center 481 Hwy 105 / Monument Plaza Behind Domino’s 719-302-2937

CONSIGNMENT

CONSTRUCTION

HOME DECOR

RICHARD PETERSON 719-481-1868 R. Peterson Construction, LLC Licensed & Insured Custom Homes ✷ Detached Garages ✷ Basement Finishes petersonconstruction@yahoo.com

MARGO’S ON THE ALLEY “For You and Your Home” 215 Chapala Plaza 719-487-1406 www.margosonthealley.com

FINANCIAL COLORADO NATIONAL BANK 581 Hwy. 105 719-488-4309 Your Key to Commercial and Personal Banking

FLOORS A PLUS PLATINUM CARPET AND TILE CARE Steam truck mount extraction. $15 OFF SPECIAL! 719-440-9148 or 719-339-2708

TWO TIMERS FINE CONSIGN “Smart, Savvy and Green” Women‘s and Children’s Monument Plaza 719-484-0300 www.twotimers.net

VILLA DECOR Polish Pottery Home & Garden Accents 868 Hwy 105, Palmer Lake, CO 80133 Mon - Sat, 10AM - 6PM Phone: 719-481-1981

INSURANCE AMERICAN FAMILY INSURANCE Larry E Stiltner Agency 481 Hwy 105 Suite 212 719-481-8382 Bus. Monument, CO 80132 LStiltne@amfam.com

LEATHER GOODS

PET GROOMING

Are you tired of paying top dollar for the imported garbage leather belts, wallets, purses, etc.? Our local leather store has quality handcrafted leather products made by local Colorado Springs craftsmen with decades of experience at VERY REASONABLE prices. Crafty Cow Leatherworks is in the heart of Old Colorado City at 2506 W. Colorado Ave.

DIRTY DOG GROOMING 481 Hwy 105 #206 Monument, CO We aim to rid this town of all them “Dirty Dogs.” 719-481-2968

SPECIALIZED CARPENTRY Local, Personal & Affordable. Remodel your house or ﬁnish your basement. More than 25 years of experience in ﬁne carpentry, remodeling & construction. Licensed, bonded & insured. In-house design and engineering.

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MORTGAGE

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Owners of your local Sears Store. We are fully licensed on all of the following products, VA, FHA, conventional loans, Reverse Mortgages and we can help with any and all mortgage needs. Call us today for a FREE credit report.

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KARAOKE SPOTLIGHTERS ENTERTAINMENT Hollywood-style Karaoke We keep everything fun and make everyone sound like a pro with our professional sound system and mixing experience. We are available for private parties, weddings, etc. or come check us out at PINZ every Thursday from 9pm - 1am 719-231-2946

COUNTRY CRITTERS UPTOWN Gentle Professional All Breed Grooming Serving The Tri-Lakes Area West End Center 719-481-0220

REMODELING

Your home and mortgage are probably your single biggest ﬁnancial asset and liability. It makes sense to deal with an expert that has been there, done that, and got the t-shirt! Your Personal Mortgage Planner can help you get the right mortgage for YOU at very competitive rates. Call 574-9500

REAL ESTATE TINA PETERSON ABR-GRI-ePRO Remax Advantage Realty 719-460-7614 Are You Looking to Buy or Sell? www.ColoradoHomesMarket.com Do you have an impossible real estate situation the the Realtors® cannot or will not help you with? You REALLY need to sell your house. Call Stargate Marketing at 460-5570

TANNING HEATWAVES TANNING SALON 481 Hwy. 105 Ste. 210 Monument, CO 80132 719-488-8884 (behind Taco Bell)

Email: spotlightersentertainment@gmail.com

PIKES PEAK LIBRARY DISTRICT Free Computer Classes in February For a complete list of computer classes available at your Library visit ppld.org. Call 389-8968 to register for the following classes:

Beginning Excel Learn how to set up, manipulate, and format a basic spreadsheet. Prerequisites: Computers 101 and Intermediate Microsoft Word classes. Thurs., February 12 at 7 p.m. – Old Colorado City Branch Sat., February 21 at 8:30 a.m. – Penrose Library

Beginning Publisher Adult Computer Class Learn to create a document integrating graphics and text boxes with various fonts, sizes, and colors. Make business cards, greeting cards, banners, and more. Prerequisites: Computers 101 or experience using a mouse and keyboard. Thurs., February 19 at 7 p.m. – Old Colorado City Branch

Computers 101 Learn parts of the computer, how to use a mouse, scroll bar, keyboard, and how to search and place a book on hold using the library catalog. Thurs., February 5 at 7 p.m. – Ruth Holley Branch Wed., February 11 at 8:30 a.m. – Ruth Holley Branch Wed., February 25 at 6 p.m. – East Library

Computer 102 Practice Lab Practice your Computer 101 skills or 55+ Computer skills. Prerequisites: Computers 101 or 55+ Computer Basics classes. Thurs., February 12 at 2 p.m. – East Library Fri., February 20 at 3 p.m. – East Library Thurs., February 26 at 6 p.m. – East Library

Computer Resources for Genealogy Ancestry Library Edition Basics Learn how to get the most out of the more than 4,000 Ancestry Databases now available on the genealogy research workstations in Special Collections, and all library branches. Registration is required; call 531-6333, x2253. Wed., February 11 at 10:30 a.m. – Penrose Library

Computer Resources for Genealogy HeritageQuest Beyond the Census Learn to use HeritageQuest to search more than 25,000 family and local histories, more than 1.6 million genealogy and local history periodical citations. Registration is required; call 531-6333, x2253. Wed., February 25 at 10:30 a.m. – Penrose Library

Digital Camera Basics Learn the basic skills you need to start using your digital camera. General functions, symbols, and parts of a digital camera will be covered. Fri., February 20 at 8:30 a.m. – East Library Wed., February 25 at 8:30 a.m. – Penrose Library

Email I An introduction to email. Students will set up and use a free email account. Thurs., February 19 at 7 p.m. – Ruth Holley Branch

Email II Practice basic email functions such as opening, composing, and replying to email messages. Sat., February 7 at 8:30 a.m. – Ruth Holley Branch Thurs., February 26 at 7 p.m. – Ruth Holley Branch

Intermediate Microsoft Word Become familiar with advanced features of Microsoft Word such as: setting margins, inserting tables, columns, borders, and footnotes. Prerequisites: Introduction to Microsoft Word and Internet Basics, or have familiarity with the Internet. Thurs., February 5 at 7 p.m. – Penrose Library

Internet Basics Gain experience using the Internet and learn to search ef-

fectively for information. Prerequisite: Computers 101. Thurs., February 12 at 7 p.m. – Ruth Holley Branch Wed., February 18 at 8:30 a.m. – Penrose Library Fri., February 27 at 8:30 a.m. – East Library

Introduction to Microsoft Word Learn to write, edit, and save documents. Prerequisites: completion of Computers 101 and/or experience using a mouse and keyboard. Mon., February 9 at 7 p.m. – Penrose Library Tues., February 10 at 8:30 a.m. – East Library Wed., February 18 at 8:30 a.m. – Ruth Holley Branch Thurs., February 26 at 8:30 a.m. – East Library

Introduction to Word 2007 This class is directed toward a business ofﬁce environment. Prerequisite: must know how to touch type. Wed., February 25 at 7 p.m. – Fountain Branch

Investment Tools @ your library® Learn to research company information and follow company or mutual fund performance. Sources include Value Line and Morningstar, subscription databases on the Library’s website, and other Internet sites. Thurs., February 12 at 8:30 a.m. – Penrose Library Sat., February 28 at 8:30 a.m. – Penrose Library

Microsoft Word Practice Lab After taking Introduction to Microsoft Word, this class allows you to practice your new word processing skills with hands-on exercises. Prerequisite: Introduction to Microsoft Word. Wed., February 25 at 8:30 a.m. – Ruth Holley Branch

Minding Your Business Learn about business resources available at the Library by attending a free tour. Tues., February 3 at 8:30 a.m. – Penrose Library Sat., February 21 at 8:30 a.m. – Penrose Library

Word Processing Lab Review and practice creating simple documents and saving ﬁles. Prerequisite: Introduction to Microsoft Word. Fri., February 27 at 3 p.m. – East Library

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The following classes are intended to be of interest to seniors; however, seniors are welcome to take any of the computer classes.

55+ Beginning Mouse Learn to hold, move, and click a computer mouse to use a computer. Wed., February 4 at 8:30 a.m. – Ruth Holley Branch Tues., February 10 at 2 p.m. – East Library Tues., February 17 at 8:30 a.m. – East Library

55+ Beginning Computer Class Series Students will meet once a week for ﬁve consecutive weeks, covering different topics each week. Registration for the entire series is required. Classes are held at Penrose Library. 55+ Windows Basics; Tues., February 3 at 8:30 a.m. 55+ Word Processing Basics; Tues, February 10 at 8:30 a.m.

55+ Computer Basics Learn the parts of a computer and basic computer tasks. Prerequisite: experience using a mouse. Wed., February 4 at 8:30 a.m. – Monument Branch Wed., February 11 at 2 p.m. – East Library Thurs., February 19 at 8:30 a.m. – East Library

55+ Email Mondays Join other seniors on Monday mornings to use your free Yahoo! email account and send weekly greetings to family and friends. Ongoing instruction includes email tips and etiquette. Prerequisites: some experience using a computer mouse and keyboard. Mon., February 2, 9, 26, and 23 from 9:15 -10 a.m. – Old Colorado City Branch

55+ Internet Tuesdays Join other seniors on Tuesday mornings before the library opens to explore the Library’s Senior Connection website. With

Bring B ack Date Nig ht

Four co

urse din

ner for 2

$34.95

10% off any bo with Am ttle of wine ore Dinn er

1415 Cipriani Loop • Monument

Computer Classes Continued from page 12

THURSD A is for Am Y ore

ongoing instruction on Internet search tips, computer use, and etiquette. Tues., February 3, 10, and 17 from 9:15 -10 a.m. – Old Colorado City Branch

55+ Internet Basics Gain experience using the Internet. Prerequisites: 55+ Computer Basics and Computer 102 Practice Lab, or experience using a mouse and keyboard. Wed., February 11 at 8:30 a.m. – Monument Branch

55+ Word Processing Basics Learn basic word processing skills, such as how to scroll, resize, minimize and change fonts. Prerequisites: Experience using a computer mouse and keyboard. Wed., February 18 at 8:30 a.m. – Monument Branch

Open Nightly at 4:30

AVAILABLE FOR PRIVATE PARTIES AND CATERING

Larkspur

Pizzaria & Cafe Best Pizza, Calzones, Italian Food, Panini Sandwiches and Much More! FRESH FISH

PPLD locations:

Fish overnighted weekly from Lake of the Woods or Rainy Lake, Minnesota or Ontario

Briargate Branch 9475 Briar Village Point Cheyenne Mountain Branch 1785 S. 8th St. East Library 5550 N. Union Blvd. Fountain Branch 230 S. Main St., Fountain

FISH SPECIAL

DINE IN SPECIAL

FOR TWO PEOPLE

FOR FOUR PEOPLE

2 Walleye Dinners with Wild Rice or Baked Potato & Vegetable

Monument Branch 1706 Lake Woodmoor Drive, Monument Old Colorado City Branch 2418 W. Pikes Peak Ave. Palmer Lake Branch 66 Lower Glenway, Palmer Lake

Penrose Library 20 N. Cascade Ave. Rockrimmon Branch 832 Village Center Drive

.95

Coupon must be presented

Ruth Holley Branch 685 N. Murray Blvd.

18” Extra Large Pizza with 64 oz. Pitcher of Beer or 4 Sodas (FREE REFILL)

(Coors Light or Bud) or combination of the above

.95

Coupon must be presented

10 minutes from Monument Exit 172 going North - Follow sign

Sand Creek Branch 1821 S. Academy Blvd.

303-681-2090 Delivering 7 Days a Week Open Weekdays 11 am - 9 pm • Sat - Sun 11 am - 10 pm

Ute Pass Branch 8010 Severy Road, Cascade

SNIPPETZ

GOODIES

RETCHEN’S

by Gretchen Gire Anthony of Bodhicitta Bakery

SPICE UP YOUR OLD RECIPES

ored with the same recipes in your ﬁle? Try some easy substitutions to give your old standby a new twist. I love to add fruit to my recipes. Over the holidays I add homemade cranberry sauce to the center of a coffee cake or blueberries to banana-nut bread. One of my favorite recipe additions is to add peeled and diced, tart apples to oatmeal-raisin cookies. You can experiment with even the most tried and true recipes to come up with something that is even more

DINING GUIDE

fabulous. One of my favorite recipes to play with is my Rum cake recipe. I have added strawberry juice and rum for a strawberry daiquiri cake that was great! For a totally different taste I have added orange juice and orange liquor.

Coffee Cup Café reputation 251 Front St, Monument, 488-0663 www.coffeecupmonument.com

Open 7 Days a Week

In order to maintain the integrity of your original recipe here are some easy rules of substitution to follow: meat for meat, fruit for fruit, and nuts for nuts. Stick with the same proportions as the original recipe called for and don’t try to substitute things with great differences in consistency (i.e. – water and cream). It is also good to remember not to substitute liquid ingredients with dry ingredients and vice –versa.

6:30 am - 3:00 pm

A Second Cup location 13860 Gleneagle Dr, Gleneagle, 481-6446 www.asecondcup.net

Open 7 Days a Week

6:00 am - 9:00 pm

PLEASE COME IN AND CHECK OUT ALL OF OUR WONDERFUL SWEETS.

Good luck and have fun spicing things up!

WE ALSO HAVE FRESH BREAD FOR DINNER... BAKED BY NOON DAILY.

Make Every Day Sweeter than the Last!

BODHICITTA BAKERY

Gretchen Gire Anthony Bodhicitta Bakery - 487-1555

780 Hwy. 105 • Suite B Palmer Lake

719-487-1555

Monument Plaza 411 Hwy. 105 Monument, CO

481-3287 (EATS)

~ SERVING ~ FULL MENU ALL DAY LONG!! BREAKFAST LUNCH DINNER OPEN DAILY AT 6AM

www.bodhicittabakery.com

PIZZA NIGHT Friday 5:00pm - 7:00pm

“Pizza Made To Order”

SNIPPETZ DINING GUIDE ®

PATRICIA’S CAFÉ CHOCOLATE HAZELNUT RAVIOLIS

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine “TRY OUR SPECIALS TUESDAY THROUGH THURSDAY!”

of 3 across. 8. Moisten another sheet of pasta with a small amount of water and cover sheet with ﬁlling. 9. Press sheets together around ﬁlling creating small squares. 10. Cut into squares and boil.

Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm 4 Hwy. 105 • Palmer Lake

719-481-3244

website: http://www.bellapanini.com

Sauce 2 c Heavy Whipping Cream 2 Tbs Cocoa 2 Tbs Sugar 4 ea Egg Yolks

Pasta 1c 2 ea 1 tsp 1 tsp

Flour Eggs Salt Water

1. Place ﬂour on a smooth surface creating a well in the center. 2. Place eggs, salt and water in well. 3. With a fork, whip eggs while incorporating the ﬂour into the mixture. 4. When the mixture becomes too clumpy use hands until dough becomes smooth. 5. Roll dough with a pasta roller into sheets set on #5.

Filling 1¼ c ½c 1 ea 1 Tbs

Ricotta Cheese Nutella Eggs Confectioners’ Sugar

6. Mix all ingredients until well blended. 7. Place dollops of ﬁlling on pasta sheets in rows

11. Place cream, cocoa and sugar in a sauce pan and bring to a boil stirring so sauce won’t stick. 12. Temper egg yolks by spooning a small amount of hot mixture. 13. Turn temperature down on mixture and add eggs slowly while stirring. Do not let mixture boil. 14. Let sauce cook until it coats the back of a spoon. 15. Spoon over raviolis and enjoy!

use semolina, which is milled durum endosperm. This gives a better texture that won’t get as soggy. The pasta roller I found has an attachment that makes raviolis. I don’t have one but it looks like it will make things easier.

Dine In or Take Out Highway 105 & Primrose St.

Steaks

❁

Shrimp ❁ Chicken

❁

Burgers ❁ Burritos

Our Famous Reubens

KIDS EAT FREE THURSDAYS (Limit: One kids meal per adult entree)

BREAKFAST SUNDAY 8:30-10:30am Biscuit & Gravy $1.95 ALL DAY Sunday Sun - Mon - Tue 11:00 - 3:30 Wed - Thur - Fri - Sat 11:00 - 8:00

481-TOOT 8668

Serving Anne & Mann’s Gourmet Ice Cream

This recipe will make a few raviolis so if you don’t want to use all of them they can be frozen. Let them dry a little before putting them in the freezer so they don’t stick. Try using almond paste and some cocoa or mini chocolate chips in place of the Nutella. Or you could try using orange zests in place of the Nutella.

Be creative, have fun and enjoy!

These Unique and Delicious Recipes are presented to you by Pat McClelland owner of Bella Panini in Palmer Lake and Bayou BarBQ in Monument

24 Hwy. 105 in Palmer Lake

CLOSED FOR THE SEASON January 5 through March 9, 2009 Thank You for Your Business

Rock House Ice Cream

488-6917

Check out their websites: http://www.bellapanini.com and www.bayoubarbq.com

Vino-Bits “Real Wine for Real People” Simply the best, most thoughtful selection of wine under $20 anywhere. Check out our eclectic microbeer and spirits selection too! Public wine tastings held monthly. Sign up for our e-newsletter to find out when. Located on Hwy 105 between Palmer Lake & Monument. Hours: Tuesday - Saturday 11am to 6pm.

488-3019

or www.thewineseller.net

Wine Appreciation & Tasting Tips

brought to you by Dirk at The Wine Seller

BAYOU BARBQ

MY CORK IS STUCK

very once in a while, you’ll come across a really tight cork that doesn’t want to budge. Try running the top of the bottle under warm water for a minute or two, or wrapping a towel around it to create friction. Either one of these actions usually loosens the cork enough for you to remove it. 15

CAJUN & BARBQ Fare Dine-in or Take-out

Tuesday - Saturday 11:00am - 8:00pm

WEDNESDAY IS CATFISH DAY! 481 Hwy. 105, Suite G • Monument, CO

(719) 488-2799

Website: BAYOUBARBQ.COM

SNIPPETZ® BUSINESS AND FINANCE

YOUR TIMING

FINANCIAL FOCUS “REQUIRED” DISTRIBUTIONS DON’T MEAN REQUIRED LOSSES

WON’T BE OFF

WHEN YOU INVEST REGULARLY. If one of your worries is whether you're investing at the right time, it shouldn't be. By investing a set amount of money regularly, you establish a simple routine that can help make your financial goals a reality. In addition, investing regularly can: � Make it possible to use market fluctuations

to your advantage

� Add potential growth and diversification

to your portfolio

� Keep your long-term financial goals in focus Investing a set amount of money on a regular basis does not ensure a profit and does not protect against loss in declining markets. Such a plan involves continual investment in securities regardless of fluctuating price levels of such securities. You should consider your financial ability to continue the purchases through periods of low price levels.

To learn how investing on a regular basis can help you reach your financial goals, call or visit your local financial advisor today. Adam R Grayson Financial Advisor .

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

www.edwardjones.com

Member SIPC

Provided by Adam Grayson of EdwardJones Investments

ere’s the situation: If you turn 70-1/2 this year, you must start taking required minimum distributions (RMDs) from your Traditional IRA, 401(k) and just about any other type of taxadvantaged retirement plan you may have, with the exception of a Roth IRA. The amount of your RMD will be based on your age, life expectancy and the market value of your retirement account at the end of 2008. Here’s the problem: At the end of 2008, the market value of your retirement account was probably way down from previous years. However, you still have to take the distributions. Does this mean you have to sell some stocks when their price is down? Obviously, this is a move you’d rather avoid. Generally speaking, it’s not a good idea to sell shares of stock when their price is signiﬁcantly down. If you do, you’ll be “locking in” sizable losses and you won’t be giving these stocks the chance to recover — which could well happen.

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Lawmakers, recognizing the problem of people being forced to take distributions when their account value is sharply down, are considering ways to temporarily suspend the RMD rules. But even if that doesn’t happen, you have alternatives to this type of forced sale. If you’re taking an RMD for the ﬁrst time, you can delay it until April 1 of next year. But if you do, you’ll have to take two minimum distributions during 2010 — and that could put you in a higher tax bracket for the year.

A better solution might be to take an “in- kind” distribution. To do this, you simply have your IRA custodian or 401(k) administrator take out the actual stock shares and transfer them to a regular brokerage account. Once the shares are in the account, you can hold on to them as long as you want. You can wait for the price to recover or sell the shares when you need the cash. Either way, though, you get to make the call. (Not all 401(k) plans permit in-kind distributions, so check with your plan administrator.) As with most moves in the investment world, there’s a “however” involved with the decision to take in-kind distributions. And in this case, the “however” has to do with taxes. Speciﬁcally, when you move stock shares or other investment assets from a retirement plan to a brokerage account, you are incurring what’s euphemistically known as a “taxable event.” Retirement plan distributions are taxed at your ordinary income tax rate — and that’s true if you take the distributions directly by selling shares or if you take in-kind distributions. Consequently, if you take in-kind distributions and you don’t sell any shares, you’ll need to have available another source of cash to pay the taxes that will be due. In this regard, you might get a dubious break, of sorts, if your taxable investment account has more losses than gains this year. If that happens, you can use as much as $3,000 of capital losses to reduce the amount of your ordinary taxable income. But in any case, it should be of some comfort to know that you don’t have to “sell low” just to satisfy your RMD requirements. So, when you reach 70-1/2, keep the in-kind option in mind — it could prove to be kind to your bottom line. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. For additional information, contact:

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

719-481-4964

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SNIPPETZ BUSINESS AND FINANCE

4RI ,AKES #HAMBER OF #OMMERCE 36 Powerful Ways a Tri-Lakes Chamber Membership can help build your business. N In Print

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Check out the Chamber website business directory at www.trilakeschamber.com 4RI ,AKES #HAMBER OF #OMMERCE s 0/ "OX s (IGHWAY s -ONUMENT #/ s s Fax

SNIPPETZ BUSINESS AND FINANCE

CREDIT-CARD CHANGES TO FAVOR CONSUMERS

redit-card changes dictated by federal regulators were supposed to take effect by the end of the year. They didn’t. The feds have now given credit-card companies (that weren’t too pleased with the changes anyway) a year and a half to get ready. Here are some of the changes that will take effect in the summer of 2010: • If your interest rate goes up, the card company will no longer be allowed to impose that higher rate on pre-exiting balances -- unless a payment is more than 30 days late. • When you open an account, your interest rate will be disclosed to you, and the card company will be required to honor that unless your payments are late. • No more universal default. If your credit score plunges due to not paying a different debt, the card companies can no longer raise your rate because of your payment record to others.

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

❖

Intellectual Property

❖

Employment Law

❖

Mergers and Acquisitions

❖

Wills, Estate, Probate

❖

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

719.488.9395 lisa@lwslawﬁrm.com • www.lwslawﬁrm.com

DIVORCE / FAMILY LAW Experienced - Affordable Convenient Law Ofﬁces of Christopher C. Meyer,P.C. 13540 Northgate Estates Dr., #200

Colorado Springs, CO 80921 (719)488-9395 Please visit our comprehensive website for divorce information: www.cmeyerlaw.com

• If you have both purchases and cash withdrawals on your credit card at different interest rates, the banks will no longer be able to apply your payment only to the balance with the lowest rate while the other balance continues to accrue higher interest. Any payment amount over the minimum will be applied to the higher interest balance. • There will be no more arbitrary middle-of-the-day cutoffs to accept payments. If a payment is received by 5 p.m. on a given day, it’s considered as being received that day. • If there are to be changes to your account, you must receive 45 days notice. • You must be given an adequate amount of time (21 days) to receive and pay your bill. • There will be no more two-cycle billing, where card companies have gone back to ding you with interest on the same amount a second time.

Suggestion: Use 2009 to get organized so that you’re never late on a payment again. Make more than the monthly minimum payments and get the balances paid off as soon as possible. Don’t give the card companies any reason to use their remaining loopholes to raise your rates. There’s a good chance that more people are going to be denied credit, as the card companies won’t be able to make as much money with questionable practices. 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) 2009 King Features Synd., Inc.

ager/paralegal who handles all of the tasks encompassed in the third skill set – running the business as a business.

THE LAW ACCORDING TO STEVENS by Lisa Welch Stevens, Attorney at Law P.C.

he risks of starting a new business on your own can be intimidating to the budding entrepreneur. Starting a new business with a partner can be not only less intimidating, but may increase the likelihood of success. Why? Reading business books, particularly The E-Myth Revisited , makes it clear. To succeed with a business venture, an entrepreneur must possess and succeed in applying three separate types of skill sets: (1) doing the actual work of the business (for example, performing legal services); (2) marketing the business (i.e., “rainmaking” or getting actual clients or customers in the door); and (3) running the business as a business (for example, bookkeeping, paperwork, taxes, managing employees, managing calendars and appointments, dealing with inquiries, managing task flows, etc.). Very few individuals even possess all three skill sets; even fewer are able to apply them successfully and consistently; and even fewer will have the time, if the business is initially successful, to perform all three types themselves. So, what to do? One alternative, which does work well once the business has the cash flow to support it, is to hire employees or contractors to perform the skill sets you can’t or aren’t successful at applying. But how do you get there from here? How do you cover all of the necessary skill sets, successfully, so that the business does become successful enough to support employees or contractors? One solution is to go into business with a partner or partners who is/are strong in the skill set(s) in which you are weak. For example, when I started my law practice, my husband handled all of the information technology for my firm, as well as all of the bookkeeping and other office overhead type tasks. I later hired a paralegal, and then added a bookkeeper (both contractors); now I have a full-time practice man-

Where your business partner is your spouse, there may not be too much to worry about, from an organizational perspective, for one very good reason: if one of you dies, your will or the intestacy statutes will determine what happens with the business; if you divorce, the court will determine what happens with the business. However, if you go into business with anyone other than a spouse (and by this I include children, parents, siblings, and the like), you need to organize the business very carefully. The most important considerations include the following:

• Documenting who owns how much of the business; • Documenting who has contributed what, and how much, to the business; • Agreeing on who will perform what tasks, and what the expectations are for the amount of time to be devoted by each partner to the business; • Agreeing on who is “the boss” – one chief is best; • Putting in place mechanisms to handle disputes; • Setting forth clear exit/succession strategies for partners; etc. These are only a few examples of organizational considerations when starting or going into business with a partner. Regardless of the type of entity you choose for your business, even if it is a simple partnership, it is vital to have agreements in writing, signed by each of the parties, in place making the organizational details of the business clear. Many people do pride themselves on “doing business on a handshake.” And many people “don’t want to get lawyers involved – we trust each other.” However, well prepared organizational documents for your business can prevent disputes farther down the road. And it is much less expensive to organize your business partnership properly from the beginning, than to try and work out a dispute down the road. Next week I will discuss legal mechanisms to organize your business partnership so that the considerations discussed above are taken into account. As always, consult your legal advisor regarding the particulars of your individual situation. For additional information contact, Lisa Welch Stevens, Attorney at Law P.C. Representing Colorado Businesses

and Business Owners

719.488.9395

SNIPPETZ BUSINESS AND FINANCE

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he law firms of: Cucullu & Associates, Attorneys at Law; (2) the Law Offices of Christopher C. Meyer, P.C.; and Lisa Welch Stevens, Attorney at Law, P.C., are happy to announce the relocation of their offices from Woodmoor to the Northgate Law Offices, located at 13540 Northgate Estates Drive, Ste. 200, Colorado Springs, CO 80921. The Northgate Law Offices are located just off Northgate Boulevard, one block east of the Northgate Boulevard/ Voyager Boulevard intersection. The offices are easily accessible from the Gleneagle exit of I-25. Each firms’ phone numbers, fax numbers, e-mail addresses and other contact information shall remain the same. This relocation will provide the three firms with nearly twice as much space

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as their current location, enabling each ﬁrm to better and more easily serve its respective clients. We are very grateful for the support of our clients, past and present,, without whose business this expansion would not have been possible, and we look forward to continuing to serve you from our new location.

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Your home and your mortgage are probably your single largest asset and debt. Long and short term planning saves you money and makes you money. You absolutely need to work with a Mortgage Planner who thinks about the short-term AND long-term considerations.

The owners of the ﬁrms, are all longtime Tri Lakes residents, and will continue to provide the Tri Lakes area and northern El Paso County with the ﬁnest in legal services in a convenient location.

Been There • Done That

Among the three ﬁrms, a full range of legal services are provided, including but not limited to personal injury litigation, criminal, domestic relations, real estate, estate and probate, and business law (both transactional and litigation).

We Have The T-Shirt! Review (at no cost) your house value and debt with the experts TODAY.

SOCIAL SECURITY HAS A NEW ONLINE RETIREMENT APPLICATION. IT’S SO EASY!

ou can apply for retirement benefits from the comfort of your home or office at www. socialsecurity.gov. There’s no need to drive to your local Social Security office or wait for an appointment with a Social Security representative. You can complete the new online retirement application in as little as 15 minutes. Want to know more? Want to know how you can use this to help your clients, members or employees? Or maybe you’re ready to retire yourself? Either way, you can retire online. It’s so easy!

(719) 574-9500

You’re invited to participate in Social Security’s ﬁrst national webinar – Retire Online. It’s So Easy! Join Social Security for a demonstration of the new online application and a discussion of key features of the new application. The webinar will be hosted via www. socialsecurity.gov on January 29, 2009 at 2 pm EST. To RSVP for the webinar, please visit http://www.socialsecurity.gov/survey/retireonlinersvp.htm. I hope that you will be able to join us for our ﬁrst national webinar and I look forward to the opportunity to discuss this new initiative with you.

Shed New Light On Energy Savings! Use Compact Florescent Light Bulbs to help you save on your energy bill!

Interest rates are at an all time low and there is no cost or obligation associated with this review.

NEED HELP PAYING YOUR UTILITY BILL?

he Low-Income Energy Assistance Program (LEAP) is designed to help low-income households with winter home heating costs. It is not intended to pay the entire cost of home heating, but can help with a portion. Following are phone numbers for your conty LEAP ofﬁces. Applications are accepted from November 1 through April 30. For more information, visit the LEAP website at www.cdhs.state.co.us/leap or call 866-432-8435. El Paso – (719) 442-0007 Elbert – Primary (719)541-2369 Kiowa (303)621-3149 opt 0 Douglas – (303) 668-4825 ext. 5341 Lincoln – (719) 743-2404 Washington – (970) 345-2238 Pueblo – (719) 583-6160 Crowley – (719) 267-3546 Arapahoe – (303) 636-1130

CFLs use 1/4 the electricity of a tradiƟonal bulb. Save 75% or more on electricity!

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Do the Math, Save the Money - The average home has 20 sockets. If 10 bulbs in your home are 14 waƩ CFLs and 10 bulbs are 23 waƩ CFLs, your total house savings over the life of all 20 bulbs will equal $1230 based on 3 hours of usage a day! 719-775-2861 • 719-435-2283 • www.mvea.coop

Additional agencies:

emergency

assistance

Health & Human Service Information & Referral – call 2-1-1, (719) 955-0742 or (866)488-9742. Pikes Peak United Way – www.ppunitedway.org

Pikes Peak Community Action Agency Calhan Ofﬁce for eastern El Paso County – (719)347-2976 Toll Free (866)347-2976 Walt Fortman Center for Fountain area (719)382-8515 Northern Churches Cares (719)277-7470 Tri-Lakes Cares (719)481-4864 Salvation Army (719)382-1182 Silver Key (persons over 60) (719)632-1521 Army Emergency Relief (for military personnel) (719)526-4783 Douglas/Elbert County Task Force – Douglas/Elbert counties (303)688-1114 Colorado East Community Action Agency Lincoln/ Elbert counties (719)348-5303

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

Sports Quiz

By Chris Richcreek

1. LANGUAGE: What does the French phrase “entre nous” mean? 2. TELEVISION: What kind of “dinosaur” was the Flintsones’ family pet Dino? 3. AD SLOGANS: What product used the advertising slogan, “How do you spell relief?” 4. MYTHOLOGY: Who was the Greek goddess of the hearth and home? 5. GEOGRAPHY: In which city would you find the famous Trevi Fountain? 6. MUSIC: Which recording artist had a 1970s hit with the song “Crocodile Rock”? 7. LITERATURE: What was Dorothy Parker’s pseudonym? 8. RELIGION: Who is the patron saint of artists? 9. CHEMISTRY: What is the Periodic Table symbol for silver? 10. COMICS: What is the name of the military base where Beetle Bailey and his friends reside?

1. Since 1970, name the pitcher who has won the most games in his first two full major-league seasons. 2. In 1993, Mike Piazza of the Los Angeles Dodgers set a record for most home runs by a rookie catcher, with 35. Whose mark did he break? 3. When Hines Ward set the Pittsburgh Steelers record in 2007 for most career touchdown receptions, whose record did he break? 4. John Calipari has coached two non-BCS schools to a NCAA men’s basketball Final Four. Name them. 5. How many seasons did NHL great Glenn Anderson tally 30 or more goals? 6. When was the last time before 2008 that both teams in soccer’s MLS Cup were making their debut in the championship? 7. Name the first bowler in PBA Tour history to win three consecutive majors.

1. Name the band best known for its instrumental “Green Onions.” 2. Which artist had seven out of nine songs on an album on the Top 10 hits list? 3. What’s the story behind Ricky Nelson’s “Garden Party”? 4. Which rock song got its title from a brand of deodorant? 5. Name the 1950s-era rocker who married his cousin. (c) 2009 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) we have moved the answers and solutions to the trivia and puzzles to the next page (21).

a rock star and a dizzying array of interlocking story lines and plot twists. Fans of “Snatch” and “Lock, Stock and Two Smoking Barrels” will deﬁnitely want in on this caper.

New DVD Releases for Week of Jan. 26, 2009 PICK OF THE WEEK “RocknRolla” -- Director Guy Ritchie returns to form with this high-octane British gangster romp. Starring Gerard (SPARTAAA!!!) Butler as a two-bit mook named One-Two who gets involved in a caper involving a Russian painting, a shady accountant (Thandie Newton), competing factions of the underground,

ALSO “The Secret Policeman’s Balls” -- For those who grew up in the ‘80s, “The Secret Policeman’s Balls” are legendary. These annual comedy and music shows raised millions for Amnesty International and showcased the cream of British comedy and some awesome musical performances. In this three-disc collection are ﬁve of the most famous balls, featuring performances by Monty Python, Billy Connolly, Rowan Atkinson (Mr. Bean/Blackadder), Hugh Laurie (“House, M.D.”), Peter Cook, Dudley Moore and others.

Some of the musical acts featured are a Who’s Who of ‘80s music: Peter Gabriel, Bob Geldof, Mark Knopfler, Sting and Phil Collins, to name just a few. “42nd Street Forever” Vol. 4 -- The “42nd Street Forever” series is one of my guilty pleasures. They’re compilations of movie trailers from schlocky, grindhouse films of the 1960s, ‘70s and ‘80s. From gore to bad sci-fi to blacksploitation and sex romps, every kind of low-budget, horrible film you can imagine is shown -- well, their trailers at least. And frankly, the trailers are, more often than not, better than the films themselves. FAMILY “Mary Poppins: 45th Anniversary Special Edition” -- If you already own a version of Mary Poppins, there really isn’t

anything “special” about this two-disc Disney release. It’s mostly being used as a promotional tool for the Broadway musical. But if you don’t have a copy of this Julie Andrews classic, then by all means snatch it up -- if only for Dick Van Dyke’s legendary horrible Cockney accent. Besides, Disney has a nasty habit of releasing home videos of its ﬁlms for a limited time and then pulling them off the shelves for years, so you never know when you’ll see it again. TV SERIES “Cheers” The Final Season “The Invaders” Second Season “The Love Boat” Season 2, Vol. 1 “Blossom” Seasons 1 and 2 “Meerkat Manor” Season 4 (c) 2009 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS

LIBRA (September 23 to October 22) You might feel obligated to help work out a dispute between family members. But this is one of those times when you should step aside and let them work out their problems on their own.

1. Privately, between us 2. Snorkasaurus 3. R-O-L-A-I-D-S 4. Hestia 5. Rome 6. Elton John 7. Constant Reader 8. St. Luke 9. Ag 10. Camp Swampy

JANUARY 26, 2009 ARIES (March 21 to April 19) Taking some time out of your usually busy social life could be just what you need to help you focus on putting those ﬁnishing touches on your plans for a possible career change.

SPORTS QUIZ ANSWERS 1. Dwight Gooden won 41 games in his ﬁrst two full seasons with the New York Mets (1984-85). 2. Matt Nokes of Detroit hit 32 homers in 1987. 3. John Stallworth, with 63 TD receptions. 4. UMass in 1996 and Memphis in 2008. 5. Nine seasons. 6. It was the ﬁrst year of the MLS (1996), when D.C. United and the Los Angeles Galaxy faced off in the final. 7. Norm Duke in 2008 (Denny’s World Championship, U.S. Open, PBA World Championship).

FLASH BACK ANSWERS 1. Booker T. and the MGs, one of the original Stax Records bands, released “Green Onions” in 1962. The song stayed on the Billboard Hot 100 list for 15 weeks. 2. Michael Jackson’s 1982 “Thriller” album contained seven hit songs, with the title song no doubt helped along by the video of the same name. 3. Nelson wrote “Garden Party” in 1972 after being booed off the stage at Madison Square Garden. In the song he says, “If memories are all I sang, I’d rather drive a truck.” 4. Nirvana’s alternative rock “Smells Like Teen Spirit” (1992) hit No. 1 during its 30 weeks on the charts. Writer Kurt Cobain claimed not to know that Teen Spirit was a deodorant. 5. Jerry Lee Lewis, known for his boogie-woogie style piano rock, married his cousin in 1957. She was 13 years old. The couple stayed married for 13 years and had two children.

TAURUS (April 20 to May 20) A misunderstanding about a colleague’s suggestions could create a delay in moving on with your proposal. But by week’s end, all the confusing points should finally be cleared up. GEMINI (May 21 to June 20) You might feel overwhelmed by all the tasks you suddenly have to take care of. But just say the magic word -- help! -- and you’ll soon find others rushing to offer much-needed assistance. CANCER (June 21 to July 22) Finishing a current project ahead of schedule leaves you free to deal with other upcoming situations, including a possible workplace change, as well as a demanding personal matter. LEO (July 23 to August 22) Turn that finetuned feline sensitivity radar up to high to help uncover any facts that could influence a decision you might be preparing to make. Devote the weekend to family activities. VIRGO (August 23 to September 22) A state of confusion is soon cleared up with explanations from the responsible parties. Don’t waste time chastising anyone. Instead, move forward with your plans.

SCORPIO (October 23 to November 21) Your ability to resolve an on-the-job problem without leaving too many ruffled feathers earns you kudos from co-workers. You also impress major decision-makers at your workplace. SAGITTARIUS (November 22 to December 21) Newly made and long-held friendships merge well, with possibly one exception. Take time to listen to the dissenter’s explanations. You could learn something important. CAPRICORN (December 22 to January 19) Be prepared to be flexible about your current travel plans. Although you don’t have to take them, at least consider suggestions from the experts in the travel business. AQUARIUS (January 20 to February 18) A problem with a recent financial transaction could lead to more problems later on unless you resolve it immediately. Get all the proof you need to support your position. PISCES (February 19 to March 20) Daydreaming makes it difficult to stay focused on what you need to do. But reality sets in by midweek, and you manage to get everything done in time for a relaxing weekend. BORN THIS WEEK: Your ability to reach out to those in need of spiritual comfort makes you a much-revered, much-loved person in your community. (c) 2009 King Features Synd., Inc.

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Snippetz Classified ads will run a minimum of five consecutive weeks unless otherwise arranged. Classified ads must be received no later than Wednesday before 12:00 pm in order to appear in the following weekâ&#x20AC;&#x2122;s issue. We reserve the right to refuse or edit ads for any reason deemed necessary. Ads must be submitted by E-mail or U.S. Mail E-mail: snippetz01@gmail.com or Funder Enlightening, Inc. PO Box 789 Monument, CO 80132

SNOW THROWER Troy-bilt, 5 HP, Two-Stage 21â&#x20AC;?, Electric Start, Tire Chains, Extra Belts, Very Dependable. $350 obo. 719-487-8555 PROPERTY MAINTENANCE Specializing in the upkeep of vacant and occupied homes. Donâ&#x20AC;&#x2122;t let your rental or investment properties become rundown. We can take care of all cleaning, trash removal, lawns and much more. Contact Lori at (719) 331-2945

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WANTED: PIANO PLAYER Experienced piano player wanted for regular sing-a-longs in our lounge. Must have expansive repertoire of current and standard popular songs. To audition, please call Debbie at PINZ 487-7469.

EXPERT REMODELING For kitchens, baths, additions, basements, decks and more. I am local, licensed and insured. 30+ years in the business. Dennis or Marilyn: 481-8828 / c: 510-2538

2 BEDROOM APARTMENT FOR RENT No smoking. No pets. Shared utilities. Quiet and secluded. Must See! $800/mo 719-481-3458

PALMER LAKE OFFICE / STORE FOR RENT 400 sq. ft.. $425 per mo. + Utilities 719-481-2671

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On 12 acres, 1 mile south west of Monument City Limits. Barn with power, water and locking tack room. Easy access to National Forest trails. Feeding twice daily in winter, once daily in summer. Winter $300/mo, Summer $200/ mo. Call Rick: 481-6660

WILL TRADE WORK I Will trade work for a 4x4 pickup truck. Framing, tile, drywall, paint, maint. 719 487 7559

TUTOR

CERTIFIED SPECIAL ED TEACHER 10 yrs. exp. Students grade 1-6: reading, writing, language arts. Math through grade 5. My home or yours. Flexible hours - nights and weekends. Only $25 per hour. Call: 599-8867 or cell: 650-0001

EXECUTIVE HOME FOR RENT IN KINGâ&#x20AC;&#x2122;S DEER 6,400 sq. ft. 7 bedrooms, 7 baths. 6 car garage. Contact Gene: 719-491-9634

RED ROCK RANCH HILLTOP HOME 3 Br, 3 Ba, Large, 2 Car Garage, Fireplace, New Hot Tub, Dog Kennel. Postcard views of Front Range. Trees, 1 Acre, Passive Solar, All Appliances. D-38 Schools, beautiful neighborhood bordered by National Forest. $1,650 mo. Call Rick 460-0234

MEETINGS & EVENTS Do you need a place for your group to meet or to hold an event? We have lots of space for groups from 2-150 people. Food, beverage and entertainment services also available. VERY reasonable rates â&#x20AC;&#x201C; in some cases there is no charge for meeting space. Call Debbie at PINZ 487-7469 for more info. SERVICES

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MOUNTAIN VIEW HOME FOR RENT Monument - 3 bed/3 full baths, 1.5 acres w/privacy & MTN VIEWS! Fenced back yard - dogs OK, central A/C, 2 car garage, ďŹ nished walk-out basement. Only $1,650/ mo. Call Keith (303) 888-6655, go to http://denver.craigslist.org/ apa/926476325.html

LOOKING FOR GREAT CHILD CARE? Try Imagination Destination Learning Center. Ages 3+ (Preschool / Pre-K) Mon-Fri 7AM6PM. Lunch and snacks provided. Experienced teacher. Low Ratio! Daily themes and activities. Call: Kathy Webb 719-487-8104

CONGRATULATIONS FIRST ANNUAL TRI-LAKES JOHNNY CHRISTISON CARES ELECTRONICS ON YOUR RETIREMENT! RECYCLING EVENT!

NEW PALMER LAKE HOUSE FOR RENT 2,600 sq. ft., 3 bd./ 3 ba., 2 car gar. In-ďŹ&#x201A;oor radiant heat. 2 great rooms. Many more amenities. $1,250/mo. + deposit & utilities. 719-481-2513

MONUMENT 2BR APT. Newly remodeled, garden level, excellent area ALL utilities PAID exc. Elec. NO pets or smoking. $680 mo. Rick or Joanne. (719) 488-8558

BEAUTIFUL SELF-CONTAINED 1-BEDROOM APT For rent in rural Monument, walkin-closet, 800 sq ft - $650/mo. more info at www.nyagregorďŹ&#x201A;eron.net/4rent.html#apt or call Paul or Nya at 719 487 3113

EXECUTIVE HOME FOR RENT OR LEASE W/OPTION TO BUY IN PALMER LAKE 4 bedroom/3 bath. Fenced yard and 3 car garage. (970) 901-5062

FOR RENT: 2 SPACIOUS RENTALS!! MONUMENT Two year old townhome available furnished or unfurnished. 4 bedrooms/4 baths/1 car garage. 1860 sf. Fireplace, views, A/C. Furnished: $1500/mo Unfurnished: $1250.00 Minimum 9 month lease. Pets considered.

MONUMENT Two year old townhome available furnished or unfurnished. 2 master suites,/3baths/2 car garage. 1560 sf. Fireplace. Furnished: $1400/mo Unfurnished: $1200/mo Minimum 9 month lease. Pets considered.

CALL MICHAEL 719-338-7028

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ADIRONDACK ENTERPRISES, LLC.

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SNIPPETZ® REAL ESTATE with your total pay off. There are “hardship” qualiﬁcations (such as job loss, relocation, divorce) that you must meet before you are eligible for a short sale. Once the property is listed and a “short” offer is accepted by the bank, a “short sale” closing occurs.

Need a high quality leather belt at a reasonable price? Crafty Cow Leatherworks’ craftsmen have decades of experience. 2506 W. Colorado Ave. • In the heart of Old Colorado City

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Article by Robyn Graham RE/MAX Properties, Inc. Your El Paso County Certified Distressed Property Expert!

DON’T LOSE YOUR HOME IN FORECLOSURE! Explaining Your Options!

ecause of today’s economy, every day more people are slipping closer to the threat of foreclosure. If this is you, or someone you know……Do Not Freeze Up! There are options, and I am going to explain some of them here.

If a Short Sale is handled properly, this process should take 60 to 90 days. Your bank will hold off on the foreclosure if we get an acceptable offer on the house! It is imperative that a qualiﬁed real estate agent who is a Certiﬁed Distressed Property Expert be hired to list the home and represent the buyer in order for the extensive paperwork and negotiations with the lender to be done properly! Here are the facts about Short Sales vs Foreclosures: • Credit History: Foreclosures remain on your record for 10 years or more. A Short Sale is not reported on your credit history. • Credit Scores are lowered: Short Sale - as little as 50 pts. Foreclosure - 250 to over 300 pts.

• Waiting period before you may be eligible for a Fannie Mae First of all, the bank does not backed Mortgage for your Primary want to own your home through Residence: Short Sale - 2 years a foreclosure! They are not in Foreclosure - 5 years. the business of re-selling homes, therefore they will work with you….. • Interest Rates on future loans are but there is a timeline involved and affected if you Foreclose, but not if you must be educated on what to do you have a Short Sale. and who to talk to. • Employment Consequences for “Paying up or Moving out” is not Foreclosures (that are not affected your only option. Potential solutions by Short Sales): In jobs that may be: require Security Clearances, your position will be terminated! Also, • Negotiating a modification of the current and future employment loan. can be challenged, reassigned or terminated! • Refinancing the loan. • ALL Foreclosures incur a • Listing the home through an agent Deficiency Judgment, and yet for a possible “short sale.” you may be able to negotiate with the lender to release or lower the If you have first talked to the current Deficiency Judgment in the case of lender and are not able to negotiate a Short Sale. a modification of your loan, and you have also spoken with that lender For more information about the or another lender to see if your Short Sale Process, go to www. situation qualifies to refinance the CertDPE.com. loan, and you are still hitting a brick wall, we need to talk about doing a Be sure to always consult your Short Sale. accountant and/or your real estate attorney for details regarding A Short Sale occurs when the current how your options will affect your value of a home is less than the particular situation. amount owed on the property. You must combine the amount owed on For Additional Information, email questions to the loan (including late fees, etc.), Homes@Robyn Graham.com -- please put the closing costs and the real estate “Real Estate Rap” in the subject line. Or call 719-216-4421 commissions in order to come up or 888-481-8641 Toll Free

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Elbert Rancher $479,900 Gorgeous 4/3/3, 3,676 sq ft, built ‘02, 5.0 acres, large new barn

HELPING YOU WITH YOUR PURCHASE

Specializing in residential, commercial, land and investment properties, we provide representation at no cost to you when purchasing a home, new or pre-owned. We also have access to a large international relocation network for those moving out of state. Put our top negotiating skills to work for you, call us at 719-238-9973.

North Gleneagle Ranch $329,000 Bright, sunny 4/3/2 built 1999 w/ 3,328 sq ft, A/C, tile. Finished LL with work/craft room.

WORKING HARD TO SELL YOUR HOME

We provide one of the best marketing packages for your home, using strong online exposure in the most popular real estate websites combines with traditional print advertisement. Call us for your free market analysis and take the first steps in selling your home, call us at 719-238-9973. Don’t forget to ask about our virtual tour packages.

PROPERTY MANAGEMENT SERVICES

Briargate 2-Story

Covering Monument, Palmer Lake and Colorado Springs, we offer services including: rental listings, full service property management, and will help you find a rental. Call us at 719-238-9973.

Woodmoor 2-Story $460,000

$311,500

5/4/2, 3,072 sq ft, Great ﬂoorplan, location!

7/4/3 with 4,041 sq ft. Yes, 7 bedrooms! Great yard & deck.

JOIN THE CENTURY 21 HOLT REALTY TEAM

With two locations to choose from, one in North Academy and the other on 8th Street. We have you covered. We offer no desk fees, 100% commission plans, one-on-one training, Global Referral Network, online training resources and more! Join our team or Real Estate professionals, Call Alberto at 719-238-9974.

Call 719-238-9973 to view any of these Great Properties!

CALL FOR A FREE LIST OF FORECLOSED HOMES

ELK CREEK RANCH 2-Story $359,900

4/3/2, 3,198 sq ft, 5 Acres, Immaculate! ��

Black Forest Custom built quality 2X6 construction. Lots of natural light in this home! Located in quiet treed neighborhood within cul de sac. Area features riding trails & ponds. and 2.5 acres of serenity in the trees ready for your horses! MLS #570532 $370,000

Great Turn of the Century Home With tons of ambiance. Desirable downtown area walking distance to trails & park. Completely renovated kitchen w/ all new stainless appliances. Hardwood ﬂoors on main ﬂoor and upper level. MLS #507572 $179,000

Composite

Investment Opportunities! 3 Consecutive Commercial Properties Downtown! www.SouthWeberStreet.info

‘98 Parade of Homes Winner !

Constitution Hills

5 Acres Homesite in Hawk Ridge With unobstructed Pikes Peak and front range VIEWS! Perfect lot for walk out lower level. Soil and Perc tests available. MLS #435721 $199,000

Clean and well maintained 2,562 sf home. 3 bedrooms on the main level including master bedroom w/ private bath. Great open living & dining areas w/ vaulted ceiling and gas fp. Fantastic tiered and landscaped back yard w/ patios. Finished basement w/ large rec rm. and additional bedroom & full bath for guests. Great location close to all! MLS #470296 $207,000

5B, 5B, 3C, 3 Acres N. Blk Forest $864,900 www.20175Wissler.com

514 So. Weber St. (at Cimmaron) Zoned C6, Duplex, 4 Bdrm, 2 Bath Needs Cosmetic Work $247,000

Elegant Home in Wagon Trails N/E This 3BR, 2.5BA, 3CAR home includes stucco exterior, central air, master suite and more. Access to community pool and tennis! MLS #527855 $264,900

Large Lot With Lots of Possibilities Charming 4BR, 2BA Bi-level home with a large fenced-in yard. Home includes renovated bathroom with marble-like tub suround, new sink and faucets. large family room. Kitchen walks out to wood deck. All appliances stay including washer, dryer and stainless refrigerator. MLS #467930 $189,500

Condo in Southeast - Great Rental ! 2 Bed, 2 Bath, 2 Pk Spc Co. Spr. $85,000 www.2322Lexington.com

518 So. Weber St. (at Cimmaron) Zoned C6, Possible Retail or Offices w/ 3 Bdrm Upstairs

Lots of Custom Tile Work 5BR, 3BA home in Village Seven area features a kitchen with granite tile counters, travertine backsplash, hickory cabinetry, wood ﬂooring and more. Lots of custom tile work throughout. The yard is a gardeners delight with covered deck covered, grape vines and shed. Great location walking dist to trails, parks and community pool! MLS #504552 $229,000

Elaine Alberto del Toro

Needs Rehab Work $256,880 Fantastic Find in Palmer Lake! 4 bedroom / 2 bathroom / 1,505 sq ft Great rancher situated on a nice level lot with mountain views. Bright and open with vaulted ceilings, vinyl windows and a deck off the master bedroom. Fully fenced back yard and a covered front porch make this home one worth seeing MLS #423842 $199,900 (Rent for $1,000/mo.)

I am a Distressed Property Expert! - If you are a Buyer looking for a Real Estate Deal, CALL ME!

- If you are a Homeowner and

Each Office Is Independently Owned And Operated.

522 So. Weber St. (at Cimmaron) Lot Zoned C6 (current lease) $237,120

are facing Foreclosure, call me to talk about your Options!

Robyn Graham

Alberto 719-238-9974 adeltoro@twest.com

CDPE, ABR, GRI, QSC, CLHMS

719-216-4421

Elaine 719-238-9973 edeltoro@c21holtrealty.com

Search Entire MLS: www.CoSpringsMLS.com 24