Snippetz Issue 384 by Funder Enlightening, Inc.

n Ip pe t z NORTH & WEST

FREE WEEKLY

SNIPPETZ NEVER SLEEPS...

WE JUST DREAM! by Deborah Stumpf

ISSUE 384 • MARCH 9, 2009

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veryone dreams (most mammals and even some bird species!), but not everyone agrees on what dreams really are or what they mean. Dreams have been a topic of speculation, study and theory for centuries. It is fairly agreed upon by the experts that dreams occur only during REM (rapid eye movement) sleep when brain activity is similar to wakefulness. Nonetheless, dreams have been and probably will continue to be a topic of fascination for most of us.

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NEXT WEEK IN SNIPPETZ Snippetz Is Captivated By

PUBLISHED BY FUNDER ENLIGHTENING, INC.

George Wilkins - Publisher PO Box 789 Monument, CO, 80132

(719) 487-0484 email: snippetz01@gmail.com

C O U N T S

W H E N

Q U A L I T Y

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We Just Dream!... Continued on Page 3

W H E N

REAL ESTATE PAGES 23-24 Robyn’s Real Estate Rap... 23 Hot Properties In The Area

C O U N T S

Business / Employment Opportunities

The Chinese believed that the soul left the body during a dream and that one should never be

Q U A L I T Y

CLASSIFIED PAGE 22 GREAT BARGAINS - Find Your Treasure!

The father of psychoanalysis, Sigmund Freud began to study dreams as a way to understand personality. He believed that every thought and action was motivated by our unconscious minds. Fred described the mind as containing three Egyptians who had very vivid dreams were parts: 1) the id, which is the childlike part of us thought to be blessed and those who could in- that acts only on urges and desires; 2) the ego, terpret dreams, usually priests, were thought to which is the holder of our moral conscience; and have had the gift of interpretation bestowed upon 3) the superego, which is the great enforcer and keeps the id in check. Freud believed that dreams them by God. were the id’s opportunity to be free and express

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Between about 100 and 300 B.C., it was believed that dreams had the power to heal the sick and were often part of medical diagnosis and cure. Temples were built for the sick to sleep in so that they could be healed by using their dreams.

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BUSINESS AND FINANCE 17-19 Financial Focus ... 17 Dollars and Sense... 18 It’s The Law - The Marriage Zone... 18

By the early 19th century, not much attention was paid to dreams as it was thought that they During the Greek and Roman ages, dreams were came from some type of anxiety with no meana very significant part of life. People looked to ing behind them. their dreams to predict the future or to provide solutions to problems. Dreams were mostly thought of in a religious context as messages from ancestors or the gods.

Q U A L I T Y

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By the Middle Ages, people saw dreams as temptations from the devil.

W H E N

THE DINING GUIDE PAGES 13-15 The Kitchen Diva... 13 Gretchen’s Goodies... 14 Patricia’s Café... 15 • Vino-Bits... 15

DREAMS THROUGHOUT THE AGES

C O U N T S

SNIPPETZ BUSINESS DIRECTORY 12 The Place To Find Local Businesses on the Go!

awakened lest the soul would not be able to return to the body.

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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

We Just Dream!... Continued from Page 1

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might be a sign of anxiety, insecurity or feeling overwhelmed with either personal or work situations in your life. If you can’t hang on to something, then maybe you aren’t keeping up with things you think need to be done. Falling dreams may also signify insecurity and a fear of failing. mental schemas during the sleep process, and re- Flying dreams can be both positive and negatain only those that are adaptable while discard- tive. On the positive side, if you dream about flyitself, and the job of the superego was to keep the ing those that are maladaptive. ing you may really feel in control, on top of the id from remembering the more disturbing parts world and that you are unbeatable. It’s simply • Ernest L. Hartmann, M.D. believes dreaming empowering. However, if you have difficulties of dreams. is likened to a psychotherapeutic experience in with obstacles while flying, then you may have There have been many theories beyond Freud’s, that it allows the dreamer to make connections someone or something in your real life that is but according to a study recently published in about stressful and traumatic experiences in a inhibiting your success. If you feel fearful of the the Journal of Personality and Social Psychol- “safe place.” flying experience, then you may lack self-confiogy, people tend to agree with Freud in that their dence. dreams reveal hidden truths. The study also found • Through dreams we create new ideas that come that many people will make decisions based on from random thought mutations, although some Taking an exam suggests that you are not preinformation from dreams because they feel that are discarded by the mind as useless. pared for some challenge or are feeling anxious their dreams give them insight. about meeting the expectations of others. Test• Dreams may lower stress levels and regulate taking dreams can be about breaking your pencil mood. during an exam, forgetting to study or not being able to finish. We Just Dream!... Continued from Page 2

OTHER THOUGHTS ABOUT DREAMING

COMMON DREAM THEMES

Are you being chased? This is another common anxiety dream when you are trying to hide or run There are many theories surrounding the funcfrom something or someone that wants to hurt tion of dreams: you. Rather than confront the situation, you are There are many people who make a living out of running. If you want to delve deeper, depending • A clean up like a computer “defrag” that re- analyzing dreams. If interested in dream analy- on how much distance is between you and your sis, the first step is to write down as much of your ‘attacker,’ this could signify how close you are to moves junk from the brain. dream content as possible and as quickly as pos- this issue or whether it is becoming part of the • The fantasy involved in dreams satisﬁes the re- sible. We forget 50 percent of our dreams within distant past. five minutes of waking and 90 percent within 10 pressed parts of the mind. minutes. Yikes – where are my clothes? If you find your• Carl Jung, a Swiss psychologist, believed that self naked and feeling horrified about it in your dreaming is an interaction between the conscious Interested in analyzing your own dreams? Here dreams, it might mean that you are feeling vuland the subconscious mind and may balance or are some common dream themes and possible nerable and defenseless…or you are afraid of meanings. In most cases there are multiple po- making a fool of yourself. Now, if you love feelcompensate for our attitudes while awake. tential meanings. ing naked in your dreams, then you’ve got noth• Richard Coutts uses the term ‘emotional selection’ to describe the process by which we test If you find yourself falling in your dreams, it We Just Dream!... Continued on Page 4

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ing to hide and are a free spirit.

â&#x20AC;˘ Most of us dream in color but about 12 percent dream in black and Dreaming that your teeth fall out white, a number that has decreased could mean that you feel powerless since the 1960â&#x20AC;&#x2122;s. Another example and that you are not being heard by of the power of television and movothers. It can also mean that you ies? feel your appearance is not up to â&#x20AC;˘ A DĂŠjĂ vu experience is viewed by snuff or you fear getting old. some as the product of a previous dream experience that has been forgotten by the dreamer.

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EAT A BANANA, LOWER YOUR BLOOD PRESSURE

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â&#x20AC;˘ Blind people dream and can see images in their dreams if they became blind after birth. Those that were born blind also dream, but their dreams involve the other sensâ&#x20AC;˘ During a lifetime, a person spends es, such as smell, touch, sound and about six years dreaming or only emotions. two hours per night. â&#x20AC;˘ People who quit after many years â&#x20AC;˘ The majority of dreams last as of smoking report more vivid short as five minutes and as long as dreams. They also find that quitters will dream about smoking, causing 20 minutes. guilt and other negative emotions.

ould it really be that easy? It might not be the whole answer, but it could help. Those of us with hypertension have to restrict our diets to limit salt, or sodium. Dozens of clinical trials show that potassium, as found in bananas and many other foods, can bring about a better potassium-sodium balance. Lowered blood pressure can be the result in many cases, especially when combined with the other standards of high blood pressure treatment, such as increased exercise.

â&#x20AC;˘ It is thought that the body is par- â&#x20AC;˘ There is no dreaming during snoralyzed during REM sleep due to ing activity. suppression of neurotransmitters responsible for stimulating motor Until next week, we at Snippetz neurons. This condition is called wish you pleasant dreams! REM atonia.

The National Heart, Lung and Blood Institute, part of the National Institutes of Health, has a Web site full of information about high blood pressure and how to manage it, including a section on diet.

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this in the search box: high blood pressure DASH. That will bring you to a number of articles about lowering blood pressure with diet. What I appreciated in the pages on DASH (Dietary Approaches to Stop Hypertension) was the weekâ&#x20AC;&#x2122;s worth of menus, showing quantities to eat and indicating just how much sodium there is in each food. Thereâ&#x20AC;&#x2122;s even a section on getting started gradually on a DASH diet. On another page, a chart shows just how much potassium is in dozens of different foods. Potatoes, lima beans, almonds, tomatoes, yogurt, tuna -- theyâ&#x20AC;&#x2122;re all good sources of potassium.

' %

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If you have high blood pressure, ask your doctor if you will beneďŹ t from adding some potassium-rich foods $$" & $ $$" & ' ! & & to your diet. Donâ&#x20AC;&#x2122;t try to make ad !( % $ $ justments on your own, especially if $ $$" & & youâ&#x20AC;&#x2122;re on medication. Ask, because itâ&#x20AC;&#x2122;s possible to get too much potassium, too. As in all things, there needs to be a balance.

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

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Thought for the Day: “Whatever a man prays for, he prays for a miracle. Every prayer reduces itself to this: Great God, grant that twice two be not four.” -- Ivan Turgenev

•

• If someone were to ask you to name the sunniest spot on Earth, you might be tempted to answer “the Sahara Desert” or some other such exotic place. You would be wrong, though; that distinction belongs to a town right here in America. Out of the possible 4,456 daylight hours each year, the sun shines for an average of 4,050 in Yuma, Ariz. That means that there’s cloud cover or rain for only about 10 percent of the time there.

• During the 19th century, ﬁrst lady Lucy Hayes, wife of Rutherford B. Hayes, the 19th president of the United States, was widely known as “Lemonade Lucy.” It seems she was an ardent supporter of temperance and therefore didn’t allow alcohol to be served in the White House during her husband’s four years in ofﬁce.

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Storage: Renting from GTC eliminates the worry and concern of storing and space requirements for that exersaucer for the next 3 months before your grandson returns for his next visit. Cleaning: GTC makes sure all equipment and toys are cleaned and sanitized before they arrive at your home. Cost: Rentals for short visits is cost effective and remember those little ones grow very fast. Airlines generally charge a fee both coming and going for each of these items.

Another fun feature GTC has are our toy boxes. GTC toy boxes are GTC rents pre arrange packages, customized to the specific age and custom packages or individual items gender of your child. It is exciting as required. We rent them for a day, to explore Granny’s Toy Boxes a long weekend, a week or a month. when you are visiting a new place. Our equipment and toys are cleaned and sanitized before every delivery. If interested please contact us at GTC can also deliver, pick up and www.grannystravlingcloset.com or 1-877-466-2656 or 719-466-2656. set up if requested.

Pet & plant friendly, Kitchenettes, Breakfast, Internet, Coin Laundry

LOUNGE NOW OPEN

What are the advantages of renting over buying?

St. Patrick’s Day Party March 17th Food and Drink Specials ALL DAY!

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KIMS KORNER

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$300 OFF Your whole house stucco installation!

by Kim Carson

We could choose carpet. You can do wall-to-wall made from everything from nylon to wool to polyester to Oleﬁn. There are so many synthetics that give you so many choices. Remember also that choosing the right padding for your carpet is as important as choosing the right carpet. You could take a less expensive carpet, put a better padding under it and it’s going to wear better. Listen to the experts when it comes to adding the right padding for your carpeting. You can also choose area rugs that can be made from wool, silk and synthetics. They can be hand-knotted or they can be machine made. The prices run the full gamut of prices when you think about area rugs. I like to think about area rugs as an investment to last a long time. An area rug can be taken up and moved from room to room depending on the size. You can rotate it, giving your rug more wear. I generally buy a rug because I really like it, so if I were to move, I would want to take it with me. Therefore, I think of buying the best that I can afford to put on my ﬂoor. There are area rugs that will need padding under it. Check with the manufacturer to make sure you’ve got the right one and it will keep it from what we call “walking” or “crawling” on you, making it safer. You want to make sure that your

Now, how do you pick a good area rug? Many area rugs are patterned. When you think about patterns, use that term color connectors. If you have a family room that is painted shades of sage greens and golds and maybe some warm terra cottas, you would want to make sure that your area rug had at least two of those colors in that area rug and that will give it a connection relationship.

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

Area rugs are on what we call a horizontal plane of your room, whereas your furniture is on a vertical plane. People are afraid of putting too much pattern in a room, but if it’s your family room and you’ve got an area rug, your furniture is going to break it up. So, you’re just going to see snippets of your area rug because it’s on the horizontal plane. What you tend to see is more of the vertical plane of your room. The best thing to think about is color connecting it to your furnishings in your room.

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Now dark, rich colors create a cozy feeling that can help deﬁne a more intimate space like a conversation area in a living room. The area rug ties in the sofa, the loveseat, the chairs, the tables and creates unity to it, creating a more intimate feeling. Lighter colors can open up small spaces. When you coordinate it with the wall colors, it can make the room appear a little bit larger. People worry again about lighter colors and that they aren’t going to wear well. Buying higher quality is better because a good wool rug has natural lanolin in it. It’s protective; it’s the Scotch Guard of the area rug so you can still buy a light color and have a lot of wear on it. It’s not going to appear as dirty as a light color of a carpet like a nylon carpet would because of that protection.

(Excludes sale items) (expires 3/30/09)

et’s talk about our floors. We’ve got our walls covered now, so let’s go down to the floor. There are so many choices to be made on flooring and the choices just keep getting bigger all the time. They keep getting bigger for many reasons. That’s a pun that you’ll understand in a minute.

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High End Furniture

Women’s Clothing

Located in the Safeway Plaza

Home Decor

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488-1170

Name Brand Purses

info@redouxboutique.com

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NEED CASH? NEED FINANCIAL FREEDOM? NEED RATE STABILITY? Proudly Serving the Tri-Lakes Area and Colorado Springs

CALL US TODAY FOR YOUR FREE LOAN ANALYSIS

Ofﬁce: (719) 260-9847 • Kimberly Gilbertson: (719) 963-1196 • Selina Rodriguez: (719) 649-5953

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Next, Step 8 is Hard Accessories!

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Courtesy of Sally Morse

719-487-7767 www.FloorsandWindows.com

Like to know more?

ALL WINDOW COVERINGS 10% Specializing in: AND OFF Hardwood • Laminate • VinylDRAPES

Kim can be reached at 719-487-7767

Lighting • Blinds • Drapes • Shutters Carpet • Tile Countertops Area Rugs • Natural Stone

Ask About Our New Year Offer!

QUALITY GOODS & SERVICES Double

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SAFE • CLEAN • SECURE

Trollbeads Gift with $100 purchase

Saturday, March 28th 10 to 3pm

Santa Fe Trail Jewelry 719-481-0250 125 Second St.

Historic Downtown Monument

Hwy. 105

Walker Rd.

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Celebrating 1 year with

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every story has a bead™

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BOOK YOUR Hodgen Rd. HOLIDAY VACATIONS Convenient Location EARLY • Reasonable Rates • Catering to Special Diets • Large/Indoor Heated Runs & Other Needs • Elevated Dog Beds • Multi Pet Discounts for • Overnight/Long Term Pet Roommates

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481•1361

Unique Handcrafted Dollhouses & Accessories

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

for the Discriminating “Mini-Home Owner”

By Appointment: 495-1774

TRI-LAKES & GLENEAGLE WELCOMING

A CUT ABOVE DRYWALL When You Want It Done Right... The First Time!

Drywall Patches and Repair

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719-488-2119

PO Box 863 Monument, CO 80132

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

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• On March 15, 44 B.C., Julius Caesar, the “dictator for life” of the Roman Empire, is murdered by his own senators at a meeting in a hall next to Pompey’s Theatre. The conspiracy against Caesar encompassed as many as 60 noblemen, including Caesar’s own protege, Marcus Brutus. • On March 13, 1781, English astronomer William Hershel discovers Uranus, the seventh planet from the sun. Herschel’s discovery was the ﬁrst to be made by use of a telescope, which allowed Herschel to distinguish Uranus as a planet, not a star, as previous astronomers believed.

• On March 12, 1933, eight days after his inauguration, President Franklin D. Roosevelt gives his ﬁrst national radio address, or “ﬁreside chat,” broadcast directly from the White House. Roosevelt went on to deliver 30 more of these broadcasts between March 1933 and June 1944.

licize particularly dangerous fugitives. The creation of the program arose out of a wire-service news story in 1949 about the “toughest guys” the FBI wanted to capture. • On March 10, 1969, James Earl Ray pleads guilty to the assassination of civilrights leader Martin Luther King Jr. and is sentenced to 99 years in prison. During the 1990s, King’s widow and children spoke publicly in support of Ray and speculated

• On March 9, 1945, U.S. warplanes launch a new bombing offensive against Japan, dropping 2,000 tons of incendiary bombs on Tokyo and igniting the worst single ﬁrestorm in recorded history. Almost 16 square miles were incinerated, and between 80,000 and 130,000 Japanese civilians were killed.

about an assassination conspiracy involving the U.S. government and military. • On March 11, 1997, Paul McCartney, a former member of The Beatles, is knighted by Queen Elizabeth II for his “services to music.” The 54-year-old lad from Liverpool became Sir Paul in a centuries-old ceremony of pomp and solemnity at Buckingham Palace in central London. (c) 2009 King Features Synd., Inc.

finders keepers by Peggy Rima

“gifts from the heart” NEW ARRIVALS FOR SPRING!

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• On March 14, 1950, the Federal Bureau of Investigation institutes the “Ten Most Wanted Fugitives” list in an effort to pub-

Celebrating 9 Years in Palmer Lake • (719) 487-8020 • 91 Hwy. 105 • Palmer Lake

Â®

SNIPPETZ THE LOCAL SCOOP

4HE #HAMBER #ALENDAR OF %VENTS /NGOING 4HURSDAY -ORNINGS "USINESS .ETWORKING 'ROUP AM 4RI ,AKES "USINESS )NCUBATOR -ONTHLY ND 4UESDAY 'ENERAL "OARD -EETING PM $ISTRICT !DMINISTRATION "UILDING "IG 2ED *EFFERSON 3TREET ND 7EDNESDAY -EMBERSHIP #OMMITTEE PM 4HE #HAMBER OFl CE RD 4UESDAY !MBASSADOR #OMMITTEE PM 4HE #HAMBER OFl CE RD 4UESDAY "USINESS !FTER (OURS PM 6ARIOUS ,OCATIONS SEE WEBSITE FOR DETAILS 7EDNESDAY -ARCH -AXIMIZING 9OUR 7EBSITE 'ETTING -ORE "ANG FROM 9OUR WWW "UCK 0RESENTERS *EFF 7ALKER "ASEMENT 7EB 3ERVICES -ARK 2EES #YBER$OG -EDIA PM 4RI ,AKES "USINESS )NCUBATOR &2%% 2360 TO &OR MORE INFORMATION ON THESE EVENTS AND MORE GO TO WWW TRILAKESCHAMBER COM OR CALL THE #HAMBER AT (OW TO 2EACH 5S 4RI ,AKES #HAMBER OF #OMMERCE (WY s 0/ "OX -ONUMENT #/ WWW TRILAKESCHAMBER COM $AVID 4 6AN .ESS %XECUTIVE $IRECTOR DVANNESS TRILAKESCHAMBER COM +AREN 3TENSLAND /Fl CE -ANAGER KSTENSLAND TRILAKESCHAMBER COM *ANIS &RAZEE /Fl CE !DMINISTRATOR JFRAZEE TRILAKESCHAMBER COM

SNIPPETZ® HEALTH AND WELLNESS

HEALTH BULLETIN BEHAVIOR TIPS

eople who support you during your Diet Center Weight Loss program can contribute to your success by being more than just someone to turn to for encouragement. They can be someone to “report” to. Reporting to a Diet Center Counselor or friend can help you stay on track in several ways. One reason is that most people try harder to succeed when they do not want to disappoint someone else besides themselves. People you report to can also help you stay focused on small, achievable goals that contrib-

HOW TO WIGGLE OUT OF THE MUD

By Dr. Ron Ross

PREPARE FOR THE BOOM:

STRENGTHEN YOUR SELF CONTROL

eing out of control is exhilarating in the moment. Your blood pressure rises, your adrenaline rushes, your muscles tighten and words of anger and frustration come gushing out of your mouth. But the moment after the rush is over embarrassment sets in. You realize you looked like a monster, sounded like a tyrant, and acted like an idiot. You are ashamed of yourself. Lack of self-control takes its toll in other ways as well. Have you noticed that it is always easier to do something that is fun or exciting or mind-numbing rather than something that requires focus, thought, effort, time and worst of all, sacrifice? The fact is it’s much easier to eat too much or drink too much or spend too much or watch too much TV than it is to take control and make the head rule the heart. You are tested in this area every single day – even hour by hour. Your kids test you, your mate says just the wrong thing, your co-worker is snippy, your client is stubborn, the traffic is slow, the weather is nasty, the car needs fixed, the rent is due, and on and on the frustrations of life work at you until you finally ___________ (fill in the

ute to bigger goals. They may also see problem areas that you might have overlooked. There is an important aspect of having someone to report that should not be forgotten - that you maintain regular contact! Checking in often will help you build a good support relationship and give you more opportunities to keep moving forward. Reporting to someone will help strengthen your commitment to reach your weight loss goals. blank). Yet it need not be that way. One of the distinguishing characteristics humans have is the ability to engage our higher cognitive functions, our self-control, to resist temptations, delay gratification, choose appropriate responses, and forbear vindictiveness. So why is self-control so difficult? Because it’s much easier to let go, to yield to temptation, to pop a cork and respond from the gut than it is to manage your behavior with your mind. If you’re like me you need to strengthen your self-control. You need to give up the adrenaline rush for calm and exchange the high blood pressure for composure. When you live life in control you seldom have to deal with the sticky problems of your own making; you are no longer your own worst enemy. You’ll have no more embarrassing moments; you’ll shout no more hurtful words; you’ll no longer have to make those uncomfortable apologies. But how? Declare yourself a person who has self-control then act on it. Self-control begins in the mind. You must affirm you have it then you can start to use it. Next, begin putting a greater pause between the stimulus and your response. A millisecond pause can give your mind authority over your emotions and put you in control and save you from another embarrassing outburst. The first century Roman philosopher and statesman Seneca nailed it when he said, “Most powerful is he who has himself in his own power.” “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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•The Crossroads at Monument Shopping Center •

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

HOW FULL IS YOUR BUCKET?

ne of the most common health complaints these days is allergies. So common, many people don’t even recognize the many ways our bodies alert us to allergic reactions. Some of the common signs include: • • • • • • • • • • •

Sneezing Runny nose Itchy eyes Sinus congestion Asthma Heartburn Skin rashes Acne Itching Weight gain Fluid retention

Yet, the problem isn’t the pet dander, pollen, chemicals or spicy food. While these and other allergens are often singled out as the culprit, it’s actually the person—not the allergen. If it were the allergen, everyone would react! Clearly the problem must be the person’s ability to accommodate the allergen—which involves the nervous system. So, it’s no surprise that many people with allergies also have subluxation(s) that drain the body’s ability to adapt.

MEDICINES ALMOST ALWAYS CONTROL GOUT DEAR DR. DONOHUE: I have gout in my big toe, and it’s very, very painful. I have to walk in my socks. Are there any pills for gout? What food causes the pain? -- L.K. ANSWER: Gout results from too much uric acid in the blood.

Specialized Adult and Pediatric Allergy and Asthma Care Think of your body’s ability to accommodate physical, chemical and emotional distress as an empty bucket. Fill your bucket with the stress of poor nutrition, a lack of rest, a poor career choice, a stressful commute each day and other stressors and our bucket is ﬁlled to the brim. Along comes tree pollen season or you encounter a house cat and you start wheezing. Your bucket is overﬂowing! The pollen or the cat may get the blame, but only because your ability to adapt has been exhausted by other stressors. Do you know someone with allergies? Introduce them to chiropractic. Chiropractic isn’t a treatment for allergies, but perhaps we can help them increase their ability to adapt! The information in this article is provided solely for educational purposes and not as medical advice. Please consult a medical or health professional if you have questions about your health. No liability is accepted should you decide to self-treat or self-prescribe.

Now in Monument Enjoy the Beauty of Colorado Without the Sneeze or the Wheeze.

Individualized treatment for: Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma Including Allergy Injections At the Medical Center next to Safeway

Zyloprim (allopurinol) turns off the production of uric acid and prevents gout attacks. Benemid (probenecid) 719 • 488 • 8789 facilitates the excretion of uric acid into the urine. It, too, prevents attacks. Uric acid is a byproduct of daily Diet was the sole treatment of gout cell chemistry. When the uric-acid in the bad old days. Organ meats level rises, crystals of it penetrate -- liver, brain, sweetbreads and kidthe joint. The joint swells, the skin neys -- are foods to avoid. Gravies over it turns red, and the joint feels are not good for those with gout. warm. It hurts beyond words. Early Beer should be restricted. Bing on, gout comes in attacks, with the cherries can bring the blood level of intervals between attacks being free uric acid down. of pain. As time passes, the joint can hurt all the time. The joint at The gout pamphlet deals with this the base of the big toe is often the topic in greater detail. Readers first joint affected, but it might not can obtain a copy by writing: Dr. be the only joint. The heel, ankle, Donohue, No. 302W, Box 536475, knee, fingers, wrists and elbows Orlando, FL 32853-6475. Enclose also can be targets. a check or money order for $4.75 Doctors make the diagnosis of gout U.S./$6 Canada with the recipient’s by examining the affected joint and printed name and address. Please finding a high blood uric acid. The allow four weeks for delivery. most telling evidence lies in looking at joint fluid through a microscope *** and seeing uric-acid crystals. DEAR DR. DONOHUE: I have Are you positive it is gout that you wax buildup in my ear. The doctor have? Many conditions cause swol- told me that. He didn’t tell me what len, painful joints. to do for it. Will you? -- A.C. For acute gout attacks, nonsteroidal anti-inflammatory medicines like ANSWER: Warm some baby oil or Indocin work well. Another time- mineral oil. Put one or two drops in honored gout medicine is colchi- one ear and let it remain there for 10 cine. If neither of these works, cor- minutes. This will soften the wax. tisone drugs come to the rescue. Next, using a rubber-bulb syringe To set up an appointment call Dr. Christy at

719-592-1365 www.csallergy.com

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

found in drugstores, gently ﬂush the ear with warm water. Tilt the head to drain the water out of the ear, and the wax should come out with it. If it doesn’t, repeat the procedure. Don’t do this procedure if you have a hole in your eardrum or an infection of the ear canal. If this procedure is too much to handle, have the doctor do it. *** DEAR DR. DONOHUE: Sometimes you hear that people who have a heart or liver transplant take on the personality of the person who donated the organ. Is this true or not? -- N.N. ANSWER: That’s fantasy, stuff of ﬁctional literature. It doesn’t happen. *** Dr. Donohue regrets that he is unable to answer individual letters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475. (c) 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 CYLINDER HEAD SERVICE Valve Jobs Seats • Guides Surfacing Foreign • Domestic • Gas • Diesel

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

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

FENCING LAW FENCE CO. 20 YRS experience building and repairing all types of fence FREE ESTIMATES 719-520-5538 lawfenceco@yahoo.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

INSURANCE

LEATHER GOODS

PET GROOMING

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

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

KARAOKE

MORTGAGE

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 Email: spotlightersentertainment@gmail.com

HOME DECOR

LANDSCAPING

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

COLORADO CUSTOM ROCK LANDSCAPING INC. Licensed and insured Serving the Front Range area for over 30 yrs. Commercial & residential landscaping services ccrlandscaping.com Call for a FREE Estimate! 719.598.6871

1ST METROPOLITAN MORTGAGE Jerry Case & Daniel Shepard 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.

719-314-1320 www.nostresshomeloans.com 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

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

PAINTING CertaPro Painters Residential And Light-Commercial Interiors, Exteriors And Decks

(719) 475-1616 www.certapro.com Painting • Passion • Professionalism

LPHS BOWLING SOCIAL AT PINZ

he Lewis Palmer High School After-Prom Party Committee will host a Bowling Social at PINZ Bowling Center this Friday, March 13.

and may purchased by contacting Michelle Aguero at 719-332-3838 or micagu2@comcast. net. The Committee welcomes donations of any amount at any time.

The fun begins at 6 pm with two games of bowling and a Mexican fajita buffet. During the bowling portion of the evening, items available for purchase through the silent auction will be on display. Then, at 8 pm, move on into the Lounge and dance to the music of favorite local band Monument Hill until Midnight. Proceeds from this event are used to fund the after-prom party at LPHS and a portion of the monies raised this year will be used as seed money for the new Palmer Ridge High School to develop their own after-prom program. The after-prom party provides a safe and fun place for our local teenagers to carry out their postprom festivities in a fun and, more importantly, safe environment. Gloria McCartan and Al Palmonari, owners of PINZ, are “pleased that the Committee selected PINZ to host this very worthwhile event” and encourage all members of the Tri-Lakes community to extend whatever support they can – whether by attending the event or making donations to the committee of either cash or items for the silent auction. Tickets cost $75 per couple or $37.50 per single

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

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

REMODELING 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.

For a FREE consultation/estimate call: 719-359-6855

ROOFING CAMPBELL ROOFING INC. Serving Colorado Since 1984 Licensed and Insured Member of BBB and Chamber 430 Beacon Lite Rd., Ste 110 719-573-9395 PRIME ROOFING, INC. Your local Monument Roofer 24 Years of Experience working for you Licensed and Insured Member of the BBB Call: 719-599-4020

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

SNIPPETZ DINING GUIDE

75 Hwy 105 Palmer Lake 719-481-2222

er Lake

Palm inter In

Tuesda y “C We wil oupon Crazy l honor ” any res y ta urant’s Sunda v a ” lid cou ke pon Eat Ca chase m e h T r “Let the pu Wedne ert with ee s sd s e d “ tr M n Free e an Vs. ay of an Fo All you can ea od” t La y $11.95 sagna Monda iana” ig Parm t “Pick a n or Eggplan Thursd e k ay ic h C “ A m or Veal, $9.95 4 Cour e Dinner” se mea l fo $34.95 r two valid o

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ROTISSERIE CHICKEN TO THE RESCUE!

love using rotisserie chickens in my recipes when I’m pressed for time. Rotisserie chickens are reasonably priced, convenient, come seasoned in a variety of ways and can be transformed into a multitude of quick and easy main-dish meals. Best of all, if you purchase a plain, roasted chicken, you can use the bones to make a rich, homemade chicken stock or enhance the flavors of pre-packaged stocks or broths, so nothing goes to waste. Most rotisserie chickens are large enough to serve at least four people as a main course. Or, you can pull the meat from the bones and use it in recipes that call for pre-cooked chicken. Shredded chicken can be used in recipes from salads, sandwiches and soups to enchiladas or chicken pot pies. Using a pre-cooked chicken gives you the opportunity to explore new and unusual recipes that would ordinarily take a lot of time to prepare. This recipe for Speedy Mediterranean Chicken is ready in just 30 minutes and imparts all the exotic spices and flavors of the traditional recipe. A rotisserie chicken seasoned with lemon pepper is perfect for this dish. The flavors used in this recipe are reminiscent of an exotic Moroccan tagine.

Open Nightly at 4:30

A tagine is both a type of heavy clay pot with a domed lid and the dish that is cooked in it. Tagines are typically found in the North African cuisines of Morocco. Most Moroccan tagines combine lamb, chicken or beef with a variety of ingredients and seasonings, including citrus fruits, nuts, honey and pungent spices. This recipe blends spicy salsa and curry powder and adds a hint of sweetness by incorporating honey and raisins with spectacular results. Toasting the curry powder in the oil ﬁrst gives the dish an authentic taste and brings out the ﬂavors of the spice. Serve with hot cooked couscous or rice to make the most of the savory sauce that envelops the chicken.

AVAILABLE FOR PRIVATE PARTIES AND CATERING

SPEEDY MEDITERRANEAN CHICKEN 1 tablespoon olive or vegetable oil 2 teaspoons curry powder 1 jar (16 ounces) chunky salsa 1/2 cup sliced green olives 1/4 cup golden raisins 1/4 cup honey 1 deli rotisserie chicken (2 to 2 1/2 pounds), cut into 6 to 8 pieces, skin removed if desired 1. In 12-inch nonstick skillet, heat oil over medium heat. Stir in curry powder. Cook over medium heat 1 minute, stirring constantly. 2. Stir in remaining ingredients except chicken. Add chicken; turn to coat. 3. Cover; cook over medium-high heat 5 to 6 minutes, turning chicken occasionally, until sauce is bubbly and chicken is thoroughly heated. Makes 4 servings. (Recipe provided courtesy

Photo courtesy of Betty Crocker

of Betty Crocker: www.bettycrocker. com/recipes) Angela Shelf Medearis is an awardwinning children’s author, culinary historian and the author of ﬁve cookbooks. Her latest cookbook, “The New African-American Kitchen,” is in

bookstores now. She’s known as The Kitchen Diva and is the executive producer and host of “The Kitchen Diva!” television cooking show. Visit her Web site at www.divapro.com. (c) 2009 King Features Synd., Inc.

SNIPPETZ

DINING GUIDE

2 tablespoons brown sugar 1/4 cup coarsely chopped raisins 1 tablespoon melted butter

GOODIES

RETCHEN’S

Coffee Cup Café reputation

Sift together the sifted ﬂour, baking powder, salt, and sugar.

251 Front St, Monument, 488-0663 www.coffeecupmonument.com

Open 7 Days a Week

Cut in shortening and butter until mixture resembles meal. Add grated orange peel. Add beaten eggs, milk, and 1/2 cup chopped raisins. Stir just until blended.

by Gretchen Gire Anthony of Bodhicitta Bakery

A Second Cup location 13860 Gleneagle Dr, Gleneagle, 481-6446

INDIVIDUAL RAISIN COFFEE CAKES

Spoon into muffin tin lined with paper muffin cups. Fill cups about 2/3 full. Blend together the filling ingredients; heat slightly to soften over low heat or in microwave.

Yields 6-8 2 cups sifted all-purpose ﬂour 1 tablespoon baking powder 1 teaspoon salt 2/3 cup sugar 1/4 cup shortening 1/4 cup butter 2 teaspoons grated orange peel 2 eggs, beaten 2/3 cup milk 1/2 cup chopped raisins

Order any burger in the house and get your second burger, “The All-American Classic” for just $1.99! Valid Wednesdays 5pm - close. Must order a beverage with each burger. Dine-In Only. Not valid with any other specials, discounts or promos.

www.bodhicittabakery.com

BODHICITTA BAKERY PIZZA NIGHT 780 Hwy. 105 • Suite B Palmer Lake

Full Serve Menu d All D ay!

$3.99

Two eggs cooked to order served with golden hashbrowns, your choice of bacon, sausage links or sausage patty and your choice of toast, biscuit, pancakes or French toast. Valid Mon. – Fri. 6am-9am. Must order a beverage with each special. Dine-In Only. Not valid with any other specials, discounts or promos. No substitutions.

Summer Car & Motorcycle Shows

May 24th & July 26th

2for1 F 3 - 5PM

your purchase of $20.00 or more on

719-487-1555

Wednesday wow! Early Riser $1.99 Burger Night Breakfast

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SERVING Breakfast • Lunch • Dinner

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Bake at 425° 20 to 25 minutes. Serve hot.

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Open 7 Days a Week

Drop a spoonful of ﬁlling on each coffee cake; swirl through the batter with a knife.

Gretchen Gire Anthony Bodhicitta Bakery - 487-1555

Raisin Filling: 1/2 cup peanut butter

6:30 am - 3:00 pm

Buy one entree at regular price and receive your second entree of equal or lesser value FREE! Must order a beverage with each entrée. Dine-In Only. Not valid with any other specials, discounts or promos.

Friday 5:00pm - 7:00pm

“Pizza Made To Order”

SNIPPETZ DINING GUIDE ®

PATRICIA’S CAFÉ CHICKEN CORDON BLEU

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine “TRY OUR SPECIALS TUESDAY THROUGH THURSDAY!” Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm 4 Hwy. 105 • Palmer Lake

719-481-3244

website: http://www.bellapanini.com

Dine In or Take Out Highway 105 & Primrose St.

Steaks

❁

Shrimp ❁ Chicken

❁

Burgers ❁ Burritos

Our Famous Reubens

KIDS EAT FREE THURSDAYS 4 ea 2 oz 4 sl 2 ea 1 Tbs ½c to taste ½c 4 Tbs

Chicken Breasts Ham Swiss Cheese Eggs Milk Flour Salt & Pepper Breadcrumbs Butter

1. Pound chicken breast to ¼” thick. 2. Place a ¼ of the ham in the center of each chicken breast with a slice of cheese. 3. Roll chicken breast to incase the ham and cheese. 4. Mix eggs and milk in a shallow bowl. 5. Place flour in a separate bowl. 6. Place breadcrumbs with salt and pepper in another bowl. 7. Dip each breast into the ﬂour then egg mix and then into the breadcrumbs.

8. Place into a heated skillet with butter and cook until golden brown on both sides and cheese is melted.

hicken Cordon Bleu is one of those things we have each probably experienced at some type of banquet it the 80’s and thought it was pretty cool. …Or at least I did because I grew up here when the only restaurants in town were Village Inn, Dairy Queen and the Mug on the Hill so I hadn’t really eaten too many complex things that had fancy names. But over all the flavors are really good together and you can change things up a little with a different type of cheese or meat for that matter. Bacon and cheddar are one combination or cream cheese and spinach might be another. Here I have it sliced and in a sandwich with some great bread along with some Dijon mustard and lettuce, tomato and onion.

(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

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 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

A VARIETY OF VARIETIES

nowflakes and fingerprints aren’t the only examples of Nature’s infinite variety. Within the genus Vitis and the species vinifera, you find as many as 10,000 varieties of wine grapes. If wine from every one of these varieties were commercially available and you drank the wine of a different variety every single day, you would need more than 27 years to experience them all! All sorts of attributes distinguish one grape variety from the next. These attributes fall into two categories: personality traits and performance factors. Personality traits are the characteristics of the fruit itself---its flavor, for example. Performance factors refer to how the grapevine grows, how its fruit ripens, and how quickly it can get from 0 to 60 miles per hour.

BAYOU BARBQ 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 PETS ®

PLAYFUL AND LOVING

Chyanns’ Pet Care SPECIAL NAILS • EARS • ANAL $20 (REGULARLY $8 EACH)

Gentle handling, clean, fun for you, and your pet! Grooming with TLC since 1983 • Scissoring, Big Dogs, Cats GIFT CERTIFICATES AVAILABLE • Special Expires April 30, 2009 Cheryl Rogers - Owner/Operator 79 4th Street (4th & Washington) Monument

Paws Corner By Sam Mazzotta

FORECLOSURES TAKE TOLL ON OWNERS AND PETS

lease take a moment to meet Callie. Callie is a 10 month old female cat. She is spayed and has her shots. Callie is a sweet girl. We do not know if Callie gets along with dogs or other cats. She has a beautiful face and half of a moustache. She is mainly white with golden brown spots. Callie is an inside cat. She loves to play and loves people.

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.

If you are interested in adopting Callie into your heart and home please call SAINT Animal Rescue located in Calhan. Our phone number is 5413099 but you might need to use the 719 area code.

“Thousands of years ago, cats were worshipped as gods. Cats have never forgotten this.” - Anonymous

Please visit our website at saintanimalrescue.org and as always thank you for caring.

DEAR DESPERATE: The foreclosure crisis has created another crisis in its wake: pets being abandoned by owners who are no longer able to care for them due to ﬁnancial difﬁculties, because pets are not allowed in the residences they must rent or other factors. Shelters are near or at capacity in the best of times, and these times are certainly not the best. However, you should continue to try and contact local no-kill shel-

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

B r i g h t

DEAR PAW’S CORNER: I have a cousin who needs help finding a good home for her three dogs. Her house is being foreclosed on, and she is struggling to find a place to live on a limited income. She has no car, her telephone will only call locally and her computer is on the blink. We contacted the no-kill shelters in our area, but none of them has ever responded. Where else can we find help? -- Desperate in Desert Hot Springs, Calif.

I d e a

Save Energy. Save Money.

Mountain View Electric Association 16

(719) 488-9474 chyrog1@msn.com

ters. If you can call beyond the local area, become your cousin’s advocate and call shelters for her daily until someone responds. Another avenue is to advertise in the local circular that the dogs are available. However, do not say that the dogs are free to a good home. There are reasons for this, which unfortunately I don’t have room to list in today’s column. Instead, ask for an amount that will cover veterinary and transportation costs for each dog. Insist upon meeting the potential owners. More information on giving up a pet can be found at: http://www. northbay-canine.org/lastresort2-txt.htm. Because these solutions are iffy at best, your cousin must try and keep the dogs if at all possible. Can you or a family member take in one or more of the dogs? Can you help your cousin ﬁnd affordable housing that also takes pets? Helping a family member through this sort of crisis isn’t easy, and you’re a champ for stepping up. Don’t give up on ﬁnding either a good home for the dogs or a place where your cousin can keep them.

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.

SNIPPETZ® BUSINESS AND FINANCE

FINANCIAL FOCUS

IS YOUR BROKER GIVING YOU

CREATE A STRATEGY FOR MATURING CDS

THE COLD SHOULDER? At Edward Jones, the level of service you receive depends on your personal needs and preferences, not on the size of your investment portfolio. If you’d like to experience exceptional personal service, consider Edward Jones. We offer solutions for all your financial needs. Get to know us. Call today to schedule a free portfolio review. Adam R Grayson Financial Advisor .

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

www.edwardjones.com

Member SIPC

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A BETTER PLACE TO DRIVE.

Your Choice Auto® Insurance. Deductible Rewards, Accident Forgiveness and more. Sound Good? Call me today.

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For all your packing & shipping and printing needs.

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NEW HOURS DROP OFF YOUR PACKAGES FAST SERVICE!! MON. - FRI: 7:30AM - 6:00PM SATURDAY: 9:00AM - 4:00PM

Provided by Adam Grayson of EdwardJones Investments

ome things, like fine wines, get better with age. But a certificate of deposit (CD) is not one of them. If you have a maturing CD, you need to decide what to do with it — and the earlier you make this decision, the better off you’ll be. So if you’ve got one or more CDs coming due in the next few months, start planning now. Of course, if you had a specific goal for a maturing CD — such as a college tuition payment — your decision has already been made. But if you’ve purchased a CD for another reason, you’ll have to choose whether to renew it or invest the proceeds elsewhere. If you bought the CD for the income it provides, you may want to renew it. If prevailing interest rates are the same, or higher, than the rate on your maturing CD, you can purchase a new CD without worrying about reducing your income stream. But if rates have fallen, you may have a dilemma: How can you reproduce the income you received from your now-matured CD? Here are a few alternatives to consider: Purchase a bond that pays a higher rate. Instead of buying another CD, you could possibly purchase another fixed-income instrument, such as a bond, that pays a higher interest rate. Be aware, though, that if you find a bond that pays a higher rate, you may be taking on more risk, so make sure any bond you purchase is considered “investment grade quality” by the independent rating agencies.

Buy a longer-term CD. Generally speaking, you can get a higher interest rate when you purchase a longer-term CD. Your money will be locked up for a longer period of time, but it will help provide you with a more stable income stream over time. Create a fixed-income “ladder.” To combat interest-rate concerns, you might want to build a fixed-income “ladder” by buying several CDs or bonds with varying maturities — short-term, intermediate-term and long-term. When market rates are low, you’ll still have your longerterm vehicles earning higher interest rates. And when market interest rates are high, you can reinvest the maturing short-term bonds and CDs at the higher rates. Thus far, we’ve talked about replacing a maturing CD to protect your income stream. But if you bought a CD for another purpose — such as removing some of your money from a volatile stock market — then the CD’s maturity gives you a chance to re-evaluate your investment strategy. As you know, 2008 was a tough year for the stock market, so, at the time, diverting some of your money to a CD might have seemed smart. But history tells us that even the worst bear markets don’t last forever, and that the biggest gains in a rally often occur at the early stages. Consequently, you may want to take this opportunity to “rebalance” your portfolio, and, if appropriate for your individual situation, look for ways to invest the proceeds of your CD into quality equities or other securities. By planning ahead, you won’t feel rushed to make a hasty decision when your CD matures or, even worse, be tempted to spend the money and have little to show for it. Your maturing CD can help you achieve your financial goals — if you give it a chance. 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

FOR SALE OR LEASE IN HIGH PINES

 Printing  Passport Photos  Copies  Faxes  Notary

Former Model Detached, Ranch Patio Home

4 beds, 3 baths, FP in great room. Slab granite, Gas Range, Walnut Cabinets, 5 pc. master bath. Fin. Lower Level. Wet bar. 2 car garage. Extras! Call to view. Mike 719-761-5720 or Barbi 719-205-1881

Phone: (719) 488-9898 • Fax: (719) 488-0988 481 Hwy. 105, Suite B • Monument, CO 80132 • Monument Plaza

$349,900 OBO or $1850 per month

SNIPPETZ BUSINESS AND FINANCE

that go out of business and don’t pay off liens.

DON’T GET SNOOKERED

BUYING A USED CAR

uying a used car doesn’t have to be an anxiety-ridden experience, but it does require diligence on your part to make sure of what you’re getting. Here are some things to watch out for if you’re in the market to buy a used car:

• Learn to identify vehicles that have been in a wreck. Watch the airbag light. It should come on when you start the car and then go out. If it doesn’t, the airbag might have been deployed. Try out all the moveable parts, like doors and trunk. Be sure they align. Check the paint in the daylight and look closely at trim and the edges of chrome. Peel back rubber seals. Take the car to a mechanic to be checked. • Learn to identify vehicles that have been in a flood. Check the interior carefully. Does everything match the way it should or have some parts (seats, carpet) been replaced? Does everything work? Air bag lights, radio, window locks? Turn on the heater and see if there is a mildew smell. Check under the dash for wires that are no longer flexible. Arrange to have the car put on a lift and check the undercarriage with a flashlight and

• Buy from a licensed dealer. While you can get a good deal from an individual seller, you have more protections and recourse with a dealer.

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

It can be worth your while to go online and find a site that will, for a fee, check the history of the car you want to buy. You could discover that the car has had multiple owners (a red flag), was in an accident and had a salvage title until it was rebuilt, was used as a rental vehicle or was auctioned off. While not foolproof, those reports can be valuable in giving you the history of a vehicle. 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.

IT’S THE LAW!

• Look at the title. A number of cases have been reported where a buyer will purchase a car, expecting that the dealer has taken care of any original loan, only to discover later that there’s a lien on the car and the bank wants its money. This is becoming more of a problem with small dealers

Lisa Welch Stevens

small handheld mirror to see areas that might have been missed in cleaning.

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

THE MARRIAGE ZONE: MANDATORY FINANCIAL DISCLOSURE

manner. If, for example, your income changes after you have provided your mandatory disclosures, you have to inform the other party of the change and provide documentation as well. It is important to note that the parties are not limited to the information covered by the mandatory disclosure requirement. The parties are free to request additional information regarding the other party’s financial situation. For example, parties commonly request bank and financial account information covering years prior to filing the petition.

What happens if you fail to provide the mandatory ﬁnancial disclosures? If you fail to provide the information and you have the ability to obtain it, the Court will impose appropriate sanctions. Don’t even think about trying to hide any assets. The other party will eventually discover it, your credibility will be irreparably damaged, and your case will suffer.

f you are thinking about getting a divorce or legal separation and you are concerned about whether the other party will provide you with financial information or how much information you’re going to have to provide to the other party, you must understand that Court rules require mandatory financial disclosure. As a practical Remember that in the marriage zone, the rules matter, this means that you cannot hide or fail require that the parties and the Court have the to disclose information regarding your financial best financial information available in order that situation. the parties and the Court can make the best decisions possible based on that information. Each party has an affirmative obligation to provide the other party with a sworn financial stateThis article is for informational purposes and ment that includes all the information regarding does not constitute legal advice concerning your your accounts and expenses. You also have an case. affirmative obligation to provide supporting information such as income documentation, tax returns, credit card statements, and bank and financial account information. “Affirmative obligation” means that you are required to provide the information without the other party having Chris Meyer is an attorney practicing family law to ask for it. The Court will require that you ex- in Monument. Chris’ law practice is limited to change the mandatory financial disclosures prior domestic relations cases. Chris has been practo the initial status conference, that usually is ticing law since 1977. He is a former prosecuscheduled within 40 days of the petition being tor and is licensed to practice law in Colorado, filed. Florida, California and Wisconsin. Chris can be contacted at 719-488-9395. Chris’s website You are under a continuing duty to supplement (www.cmeyerlaw.com) has additional divorce or amend your financial disclosures in a timely and family law information.

SNIPPETZ BUSINESS AND FINANCE

ACCLAIMED FILM PRODUCER, DIRECTOR Looking for that special belt buckle? BOB GARNER TO SPEAK AT TEEN TECH WEEK Over 500 in stock at Crafty Cow Leatherworks!

onument resident shares lessons learned from his work for Walt Disney, CBS and others. Pikes Peak Library District will present a program by ﬁlm producer and director Bob Garner during the library’s Teen Tech Week (March 9-14).

2506 W. Colorado Ave. • In the heart of Old Colorado City

Garner’s Hollywood career spanned 30 plus years as writer, producer, director and executive producer for CBS, The Walt Disney Studios and others. He recently produced and directed the highly acclaimed Disney Treasures DVD/TV special, hosted by Julie Andrews, featuring George Lucas and John Lasseter of PIXAR.

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 presentation is for students in grades 6-12 and their parents, and will be held March 14 at 2 p.m. in the East Teen Center, 5550 N. Union Blvd. In his program, “Connecting the Dots,” Garner will give hope, encouragement, and motivation to help students realize their passion and interest for any field. Garner draws from Walt Disney’s philosophy, coaching students on how to use relationships, confidence, and attitude to achieve goals.

Been There • Done That

Other events for Teen Tech Week at PPLD include:

We Have The T-Shirt!

Showing of movie Transformers (2007) March 9 at 6:30 p.m., East Teen Center

Review (at no cost) your house value and debt with the experts TODAY.

Video Workshop Shoot a mini-production and learn how to upload it to YouTube. (Registration required through ppld.org’s events calendar.) March 10 from 6 - 8 p.m., East Library, East Teen Center Photo Workshop Take a photo with a green screen and upload it to Photoshop elements to add fun backgrounds and edit the photo. March 11 from 6 - 8 p.m., East Library, East Teen Center

(719) 574-9500

Break It Down, Build It Up Take apart old computers and other pieces of technology and put them back together in new and interesting ways. March 13 from 3 - 5 p.m., East Teen Center

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

“COLORADO KIDS HAVE TALENT”

HITS THE ROAD TO LOCAL SCHOOLS!

olorado Kids Have lots of talent, and the Colorado Springs Children’s Chorale is excited to have a part in helping young people who love to sing and perform develop their talents. Rather than waiting for these kids to come to them, the Children’s Chorale is taking their music to area kids with a series of four-day music festivals in the schools at Queen Palmer (October), Wideﬁeld (February), Bristol (March) & Chamberlin (April) Elementary schools, and in the Eastern Plains area at Calhan (February) and Peyton (April) schools. They will also present a 1-day workshop in Woodland Park, and have presented workshops at Mesa Ridge High School and Panorama Middle School. The Children’s Chorale also participates in the organization of the District 11 Elementary Music Festival, which will be held on April 11 at Mitchell High School, with 13 schools participating.

Have Realtors told you NO WAY? Call the experts at

(719) 460-5570

UPCOMING MUSIC FESTIVAL WEEK SCHEDULE March 9 – 11: Bristol Elementary CONCERT: March 12, 6:30 P.M. at Bristol Elementary March 30 – April 3: Eastern Plains (Peyton Elem) CONCERT: April 2, evening at Peyton Elementary April 15: Woodland Park CONCERT: April 15, evening at Columbine Elementary, Woodland Park April 27 – 30: Chamberlin Elementary CONCERT: April 30, 4:30 pm, Chamberlin Elementary

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

Sports Quiz

By Chris Richcreek

1. MEDICAL TERMS: What would a patient with alopecia be lacking? 2. LITERATURE: Which of Shakespeare’s plays featured a character named Caliban? 3. U.S. STATES: Which four states within the United States are referred to as commonwealths? 4. ARCHITECTURE: Where would a reredos be found? 5. LANGUAGE: From which two words is the term “cyborg” derived? 6. MYTHOLOGY: In American Indian mythology, which creature can cause thunder and lightning? 7. TELEVISION: What was the name of the concierge in “Gilmore Girls”? 8. MOVIES: What was the name of Harrison Ford’s spacecraft in “Star Wars”? 9. ENTERTAINERS: Singer Olivia Newton-John came to the United States from which country? 10. FAMOUS QUOTATIONS: Who once said, “I couldn’t wait for success, so I went ahead without it.”

1. When Tony La Russa became the St. Louis Cardinals’ all-time winningest manager in 2007, whose mark did he surpass? 2. Who holds the record for highest batting average for a career in NCAA Division I baseball? 3. Only two NFL coaches have guided their teams to at least nine consecutive playoff appearances. Name them. 4. When did Jim Calhoun begin his career as the head men’s basketball coach at the University of Connecticut? 5. Only two countries have won the women’s World Hockey Championship since it began in 1990. Name them. 6. Name the last midfielder before Carli Lloyd in 2008 to win U.S. Soccer’s award for top female athlete of the year. 7. Who won the first Iditarod sleddog race in 1973?

1. Name the two singers who cut the song “Baby, You’ve Got What It Takes” as a duet in 1960. 2. What was the first album released by Nine Inch Nails? 3. Which quartet wrote and sang “At the Hop” in 1958? 4. What’s the source of the name of the band Iron Maiden? 5. Which Neil Sedaka tune reached No. 1 both as a fast pop song and a mellow ballad. 6. What was Steppenwolf’s biggest hit? (Think: road trip) (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).

the classic song, “When You Wish Upon A Star.”

New DVD Releases for Week of Mar. 9, 2009 PICK OF THE WEEK

“Pinocchio 70th Anniversary Platinum Edition” -- “Pinocchio” is one of the greatest animated ﬁlms of all time, and this twodisc set is a must-have for any animation -- or Disney -- fan’s library. This story of the adventures of a marionette that longs to be a real live boy marks the debut of Jiminy Cricket, the narrator of the tale and Pinocchio’s conscience, and the singer of

The collection’s special features include: audio commentary, a sing-along feature, a behind-the-scenes featurette on the making of “Pinocchio,” deleted scenes (including an alternate ending), deleted songs, games and a lot more.

ALSO THIS WEEK

“Rachel Getting Married” -- Director Jonathan Demme (“Silence of the Lambs”) assembles a top-notch cast for this compelling ensemble piece. Anne Hathaway stars as Kym, a young woman who is in rehab but returns to her family’s Connecticut home for her sister’s wedding. Kym’s presence serves as a catalyst for unveiling some buried family issues. “Transporter 3” - Jason Statham returns as

The Transporter, whose mission is to drive a Russian woman named Valentina across Europe. The hitch? They are fitted with explosive bracelets that will blow them up if they stray more than 75 feet from the car. The action sequences and fight choreography in this film are awesome. One of the best action movies of 2008. “Synecdoche New York” -- This movie is just ... just ... weird. And wonderful. This is the directorial debut of Charlie Kaufman, the guy who wrote “Being John Malkovich” and “Eternal Sunshine of the Spotless Mind,” so if you’ve seen those movies, you kind of know what you’re in for. The movie stars Philip Seymour Hoffman as a guy whose wife has left him, so he becomes obsessed with creating a theatrical production that will mirror all of New York City. He builds the set in a giant warehouse and begins to cast the production with dop-

pelgangers of himself, his ex-wife, his new girlfriend and well, everybody else. After a while the production gets to a point of such surreality that the doubles now require people to play THEM. Then things get weirder. And yet, somehow, Kaufman is able to take this swirling mass of interconnected storylines and resolve the whole shebang by the end of the movie. TV SERIES “South Park” The Complete Twelfth Season “The Girls Next Door” Seasons 1-4 “Get Smart” Season 2 “Family Ties” The Fifth Season “Caroline in the City” The Second Season “The Starter Wife” Season 1 (c) 2009 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

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Answers & Solutions

TRIVIA TEST ANSWERS

LIBRA (September 23 to October 22) You might be upset at having your objectivity questioned in the handling of a dispute. But it would be wise to re-examine your feelings to make sure you’re being fair with both sides.

1. Hair (baldness) 2. “The Tempest” 3. Kentucky, Massachusetts, Pennsylvania and Virginia. 4. An ornamental screen or wall behind an altar 5. Cybernetic organism 6. Thunderbird 7. Michel 8. The Millennium Falcon 9. Australia 10. Jonathan Winters

MARCH 9, 2009 ARIES (March 21 to April 19) Your efforts in behalf of a colleague do not go unnoticed, let alone unappreciated. Meanwhile, arrange to spend more time investigating that troubling fact you recently uncovered.

SPORTS QUIZ ANSWERS 1. Red Schoendienst won 1,041 games for the Cardinals (1965-76, ‘80, ‘90). 2. Rickie Weeks hit .465 during his college career at Southern University. 3. Tony Dungy and Tom Landry each had at least nine consecutive seasons of making the playoffs. 4. It was 1986. 5. Canada has won nine titles, and the U.S. two. 6. Shannon MacMillan in 2002. 7. Dick Wilmarth.

FLASH BACK ANSWERS 1. Brook Benton and Dinah Washington. They also recorded the hit “A Rockin’ Good Way” in 1960. 2. The ﬁrst album was “Pretty Hate Machine” in 1989. Nine Inch Nails, a solo underground performer, was born Trent Reznor. 3. Danny and the Juniors had their main success with “Hop,” but only minor success with their next song, “Rock and Roll Is Here To Stay.” 4. An Iron Maiden was a medieval torture device, in keeping with the band’s over-the-top heavy-metal music. 5. “Breaking Up Is Hard to Do” was ﬁrst released in 1962 and soared to the No. 1 spot on Billboard’s Hot 100. The song was released again in 1975, this time as a ballad. It also went to No. 1, but on the Adult Contemporary chart. 6. “Born To Be Wild” hit the charts in 1968, but became even more popular after it was used in the movie “Easy Rider” the following year.

TAURUS (April 20 to May 20) Devoting a lot of time to a current career move means having less time for those in your private life. But once you explain the circumstances, they should understand and be supportive. GEMINI (May 21 to June 20) Organizing your many duties in order of importance should help you get through them pretty quickly. Additional information puts that still-to-be-made decision in a new light. CANCER (June 21 to July 22) Lingering bad feelings over a recent misunderstanding should fade as reconciliation efforts continue. Meanwhile, vacation plans might need to be revised because of new developments. LEO (July 23 to August 22) Love dominates the Lion’s heart this week, with Cupid shooting arrows at single Leos and Leonas looking for romance. Partnered pairs also enjoy strengthened relationships. VIRGO (August 23 to September 22) “Getting To Know You” should be the single Virgo’s theme song as you and that special person discover more about one another. That workplace situation needs looking into.

SCORPIO (October 23 to November 21) A family dispute creates mixed feelings about how you hope it will be ultimately resolved. Best advice: Stay out of it and let the involved parties work it through by themselves. SAGITTARIUS (November 22 to December 21) Making an effort to smooth over even the smallest obstacles now will go a long way to assuring that things run smoothly once you’re set to move on with your plans. CAPRICORN (December 22 to January 19) A challenge to your authority can be upsetting, but your longtime supporters want you to defend your position so you can win over even your most adamant detractors. AQUARIUS (January 20 to February 18) Being unable to get involved in a friend’s problem calls for an honest approach. Provide explanations, not excuses. Another friend might be able to offer support for your decision. PISCES (February 19 to March 20) You ﬁnd yourself swimming in circles, looking for some way to get back on a straight course. But things get easier once you’re able to refocus your energies. BORN THIS WEEK: You’re known for your charm and your wisdom, and there’s no one who wouldn’t want you to be part of his or her life. (c) 2009 King Features Synd., Inc.

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FOR SALE

SNOW THROWER Troy-bilt, 5 HP, Two-Stage 21â&#x20AC;?, Electric Start, Tire Chains, Extra Belts, Very Dependable. $350 obo. 719-487-8555

IN HOME GYM Marcy Equipment. Good Condition. $150 Call: 719-481-3378

FOR SALE Used washer and and new gas dryer - $200. Stock Isusu rims with one mounted tire and running board w/extras. $175 719-481-2513

FOR SALE Windshield, 1957 Ford car, good shape, few scratches, no cracks, $75 â&#x20AC;˘ Hubcaps, 1977 Ford 4X4 Pickup, OE, 15â&#x20AC;? very good, $25 â&#x20AC;˘ Grill Guard/Push Bar for pickup, $50 â&#x20AC;˘ Car towing trailer hitch with receiver, Draw-Tite, $75 719-599-7526

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

SERVICES

REAL ESTATE

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

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

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

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

HELP WANTED

STYLIST WANTED With established clientele. Booth rent. Full time / Part time 719-338-9423 LEAD GRAPHIC DESIGNER* Job Description: We seek an experienced graphic designer who is capable of working collaboratively and individually on projects ranging from company identity to complete advertising campaigns. The ideal candidate is proďŹ cient with Adobe InDesign, Photoshop, and Illustrator for design work as well as photo editing skills. The candidate must be comfortable working with clients, meeting deadlines, and multi-tasking. Additional skill in Adobe Dreamweaver and Flash for web design is preferred but not required. We have a fun team, so we are looking for someone who is upbeat and friendly. Call 4871779 email resume to: renee@ kirklandphotography.com

AFFORDABLE HORSE BOARDING

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

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 Dyan Underhill, MHA, MAEd Doctoral Candidate, Higher Education Independent Education Consultant Tutoring-SAT Prep-College Applications-Career/College Prep Call for your appointments today! 719.313.1999 (First session 50% discount)

WOODMOOR HOUSESHARE Large MBR with pvt bath for $600/ mo. Another bedroom avail with shared bath for $450/mo. Utilities to be shared. Non smokers please and no pets. Avail immed. Call 481 5701.

FOR RENT IN RED ROCK RANCH 2-Bdrm, 1-bath for rent avail now. $700/mon includes utilities,cable,HS internet in Red Rock subdivision. Kitchen and laundry facilities available. CAll 719-352-6779 or 719-487-7691.

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

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.

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

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

AVOIDING FORECLOSUREKEEP YOUR HOME!

most lending institutions are not anxious to foreclose. It’s a lastditch effort to recover their money and minimize their losses, and it’s an incredible hassle. Most lenders would rather avoid it, if possible. There are multiple sources for help. Most lenders will be happy to hear that their clients are going to try to keep their home rather than just await a foreclosure.

There are hidden difﬁculties that will arise if foreclosure occurs:

Different mortgage program. Talk to a loan ofﬁcer about the possibility of reﬁnancing your mortgage to a more affordable program.

Finding a new home. It is not better to let the foreclosure happen, because after a person loses their home, they will still need to find a new place to live. All too often, the price they will need to pay in rent will be almost as high if not higher than their current mortgage payment. Remember: The owner of the property needs to make his mortgage payment, too, so he’s going to charge a rental payment that’s higher than his mortgage costs. Deficiency judgment. When the bank sells the home as a Foreclosure, it is very common for the amount to be insufficient to cover the remainder of the mortgage. When the property has been damaged, or market values have dropped, the owner may end up with a bill in the tens of thousands for the difference. Despite what many people think,

You’ll Know Why We’re Called...

Housing Counseling Agency. The US Department of Housing and Urban Development maintains a list of HUDapproved counseling agencies. Call (800) 569-4287 to ﬁnd the agency nearest you. FHA-Insurance fund. FHA borrowers may qualify to have HUD make a one-time payment to bring their mortgage current. See www.hud.gov/ foreclosure for more information on the requirements to qualify.

ew things are as devastating as losing your home. Sadly, it’s not always inevitable. In many cases the foreclosure could’ve been avoided with some outside help.

Once You’ve Tried Our Service,

Special Forbearance. Many borrowers can qualify for a new payment structure if they’ve had an increase in their costof-living, such as unexpected medical expenses, or a decrease in wages. This payment structure will allow the owner to repay the lender in a given time frame.

CUSTOMER’S CHOICE Call today for a FREE quote 487-9713 or 351-7476 2009 MVEA Board Nominations Now Open Three directors will be elected to Mountain View Electric Association’s (MVEA) Board of Directors this year from the following districts:

This article was written with the help of Anne Tomlinson, Sr. Loan Ofﬁcer at WR Starkey Mortgage (An Equal Opportunity Lender). For further questions, please call Anne Tomlinson at (720) 273-3232 or (720) 489-0712. Or call Robyn Graham at RE/MAX Properties, Inc. (719) 216-4421. For Additional Information, email questions to Homes@Robyn Graham.com -- please put “Real Estate Rap” in the subject line. Or call 719-216-4421 or 888-481-8641 Toll Free

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

• District 4 • District 6

Limon, Karval, Genoa and surrounding areas (incumbent Joe Martin) Calhan, Peyton, a portion of Black Forest and surrounding areas (incumbent Milt Mathis) Falcon, Cimmaron Hills, a portion of Black Forest and surrounding areas (incumbent Barry Springer)

If you, or someone you know, is interested in being a candidate, please contact a member of the nominating committee. A candidate must be an MVEA member and reside in the district where there is a vacancy. Before applying, please contact either MVEA ofce at 719-775-2861 or 719-4952283 to verify your district. Candidate information must be turned into the committee by 5:30 p.m., Monday, April 20, 2009. A member may also petition for nomination. Petitions are available at either MVEA ofce or online at www.mvea.coop. Petitions must be signed by 15 members of MVEA residing in the district where there is a vacancy. It must be returned to either MVEA ofce by 5:30 p.m., Monday, April 27, 2009. An application must also be completed for either the verbal nomination or petition. The application can also be found on MVEA’s web site or you may pick one up at either ofce. If you have questions, please contact a member of the nominating committee.

Nominating Committee: District 1 Michael Bass PO Box 86 Limon, CO 80828 719-775-2683

Michael D. Ahlers

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

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District 4 Byrel Woolsey PO Box 126 Calhan, CO 80808 719-347-2750

District 6 Timothy Troxel 12015 Sylvan Meadows Dr. Colo. Spgs., CO 80908 719-495-2853

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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.

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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

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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

3B, 3B, 2C South Co. Springs $168,000 www.3582Venice.info

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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

Has Mother-in-Law Quarters ! 4B, 3B, 2C, 2.5 Acres Monument $425,000 www.3545Sunstar.com

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‘98 Parade of Homes Winner ! 5B, 5B, 3C, 3 Acres N. Blk Forest $829,900 www.20175Wissler.com

C 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

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.)

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1999 John Laing Home ! 4 Bed, 4 Bath, 2 Car Monument $259,000 www.17070Foxcross.com

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