Snippetz Issue 410

S

n Ip pe t z OF NORTHERN EL PASO COUNTY & LARKSPUR

z

®

FREE WEEKLY

SNIPPETZ GETS THE INSIDE

SCOOP ON NEWSPAPERS

by Deborah Stumpf

ISSUE 410 • SEPTEMBER 7, 2009 FIRST NATIONAL BANK MONUMENT

625 Hwy 105 Member

719-481-0008

30 Month Certificate of Deposit

2.25%

“Were it left to me to decide whether we should have a government without newspapers, or newspapers without a government, I should not hesitate a moment to prefer the latter.”

-Thomas Jefferson, 1787

All your protection under one roof.

All your protection under one roof.

Larry E Stiltner Agency All your protection 481 Hwy 105 Suite 212 under one roof.

(719) 481-8382 Bus Monument, CO 80132

©1997 American Family Mutual Insurance Company and its Subsidiaries

C

ertainly, some would agree with Thomas Jefferson that they prefer newspapers over government, and some might banish both. Arguably for some, government is still “strong,” while the newspaper business has lost ground, mainly because of the Internet and cable news outlets. But the newspaper industry has certainly had its heyday. The industry has been an iconic force for people in search of information about everything from Hollywood scandals to government cover ups to baseball scores.

Larry E Stiltner Agency Home Office – Madison, WI 53783 www.amfam.com 481 Hwy 105 Suite 212 NA-07497 Rev. 1/03 (719) 481-8382 Bus Larry E Stiltner Agency Monument, 481 Hwy 105 SuiteCO 21280132 Print media has been the source of mass communication (719) 481-8382 Bus ©1997 American Family Mutual Insurance Company and its Subsidiaries Monument, CO 80132 Home Office – Madison, WI 53783 for centuries. Julius Caesar established the Roman Acta www.amfam.com Diurna in 59 B.C., which served to inform people about ©1997 American Family Mutual Insurance Company and its Subsidiaries NA-07497 Rev. 1/03 Home Office – Madison, WI 53783 political and social happenings. The information was writwww.amfam.com ten on large white boards and displayed in popular areas NA-07497 Rev. 1/03

AROUND THE WORLD IN PRINT

The Scoop on Newspapers... Continued on Page 2

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SNIPPETZ GETS THE INSIDE SCOOP ON NEWSPAPERS

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THIS WEEK IN SNIPPETZ Cover Story

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The Scoop on Newspapers... Continued from Page 1

STYLE PAGE 6 Kims Korner

like the Roman Baths.

SNIPPETZ BUSINESS DIRECTORY PAGE 10 Local Businesses on the Go!

PETS 10 SAINT Adoptions Paws Corner

THE DINING GUIDE PAGES 11-13 The Kitchen Diva... 11 Good Housekeeping 1 and 2 ...12 Patricia’s Café... • Vino-Bits...

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PUZZLES, TRIVIA, ENTERTAINMENT 22-23 Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope)

BUSINESS AND FINANCE PAGES 24-26 Financial Focus ... 24 The Law According To Stevens... 25 Dollars and Sense... 25

REAL ESTATE New Homes... 27 Robin’s Rap... 28

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Centuries later in 1447, Johann Gutenberg of Germany invented the first printing press, which redefined the practice of using news sheets, newsletters and pamphlets to distribute information to the public. The Gutenberg Museum in Mainz, Germany, is home to the first printing press.

Newspapers began appearing more frequently in the 17th century. The first newspaper on record and the first preserved – Relation – was launched in Germany in 1605.

Western European countries were at the forefront of the industry during those early years: France started the Gazette in 1631; England – the London Gazette in 1665. Domestic issues, for the most part, didn’t make the news. Instead, the English reported on the problems associated with the French military and the French papers covered the latest British royalty scandal.

DEBUT OF NEWSPAPERS IN AMERICA In 1690, the first newspaper in the U.S. appeared in Boston, Mass. However, Publick Occurrences was soon taken off the market because it went public without any authority. The publisher was arrested and all copies were destroyed, except for one – discovered in the British Library in 1845.

The Boston News-Letter surfaced in 1704. Postmaster John Campbell started the newspaper, which was subsidized by the colonial government. Despite government support, the newspaper had limited circulation.

In the 1720s, Philadelphia and New York City launched newspapers. By the Revolutionary War, about two dozen newspapers were established in various colonies. Massachusetts, New York and Pennsylvania were the centers of printing in America for many years. It is said that the early newspapers in America heavily influenced public opinion regarding full political independence from England.

By the end of the war in 1783, 43 newspapers were in print throughout the nation. The Bill of Rights, established in 1791, guaranteed freedom of the press and the newspaper industry gained momentum.

THE EVOLVING U.S. PAPERS ALL RIGHTS RESERVED © 2009 PUBLISHED BY FUNDER ENLIGHTENING, INC.

George Wilkins - Publisher PO Box 789

Monument, CO, 80132

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

In 1814, 346 newspapers were in print and by the 1830s advances in printing and paper production technology spawned a newspaper that could be sold for 1 cent per copy, making it available to people other than the wealthy.

The Industrial Revolution brought rapid change to the burgeoning newspaper industry. Huge printing presses arrived in the 1850s, producing 10,000 newspapers per hour. As the photograph came into play, so did pictures in the newspapers. The 1880 U.S. census reported 11,314 newspapers in print that year.

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By 1910, newspapers began to look like the modern-day version: bold headlines, illustrations, funny pages and sporting events.

YELLOW JOURNALISM A few publishers and writers in the beginning of the newspaper industry interpreted freedom of speech with abandonment. Lawyers would have their own heyday if today’s newspapers mirrored the libelous content of the past. Fact checking and accuracy were not the modern-day mantras of newspapers. Political rivals battled it out in newspapers, with an “anything goes” attitude.

Eventually, newspapers began reporting real news and discarded the lies and half-truths. But the growth of newspapers led to fierce competition, and publishers again began taking liberties with the facts to entice readers.

Historians believe that “yellow journalism” began in 1895 with a rivalry between Joseph Pulitzer, publisher of The New York World, and William Randolph Hearst, The New York Journal publisher.

A 19th century cartoonist, Robert Outcault, worked for The New York World until Hearst persuaded him to work for his New York Journal; thus, began their rivalry and “yellow journalism.” Outcault was nicknamed the “Yellow Kid” and comic strips used a yellow ink to prevent smears; thus, the name.

Yellow journalism is basically skewed facts and stories and sensationalism. Publishers used eye-catching headlines to grab readers’ attention, and often exaggerated events and relied on unnamed sources. The practice included over dramatizing the news and scandal-mongering. Biased news articles prevailed as well.

Although circulation eventually declined in the 1900s at newspapers known for yellow journalism, some say the practice never faded. Instead, newspapers absorbed yellow journalism with a continuation of catchy headlines, editorial sections, political cartoons, special interest sections and intrusive reporting.

NEWSPAPER CONSOLIDATION Ironically, many independent newspapers have realized greater success in the past few years. Independent community newspapers have come full circle. Once swallowed up by consolidation, they came back on the scene in the 20th century and have realized greater successes as larger newspapers crash because of high costs and a declining subscription base.

Readers today often get their national and world news from the T.V. or the Internet but turn to community newspapers for what’s happening locally.

In the early 1950s, family owned newspapers dominated the industry in the U.S. By 1980, newspaper families had

The Scoop on Newspapers... Continued on Page 3

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SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR

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Molding sale while supplies last: One of my suppliers--Roma Molding-- is discontinuing (unfortunately!) the beautiful Monticello line which I call ECLECTIC GIFTS CUSTOM FRAMING “Colorado Aspen Rustic” but fortunate for us we can acquire this molding GALLERY CENTER 366 SECOND STREET, SUITE B while supplies last at 50% off. So, if you’ve been waiting for a great sale, here MONUMENT, CO 80132 www.bellaartandframe.com P 719.487.7691 F 719.487.7410 it is. Now is the time for you to enjoy your art in this beautiful frame.

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(719) 481-1981 The Scoop on Newspapers... Continued from Page 2 given way to newspaper conglomerates.

Media scholar Elizabeth Neiva wrote an essay in 1995 citing three factors that had a domino effect on newspaper consolidation.

First, advances in electronic typesetting – photocomposition – reduced the need for skilled printer.

Publishers could hire clerical help at much less than the cost of an experienced printer. Second, unions came in to protect their skilled printers but eventually lost their foothold through court battles and waning employee support. With new technology lowering production costs, newspapers began making the big bucks. The third and perhaps the most significant factor to the demise of the family owned newspaper was the IRS. As newspaper profits soared, the IRS created a dilemma for family owned newspapers. The IRS began appraising newspapers on market value instead of book value (assets), and heirs to the newspaper business struggled to meet their estate tax obligations.

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Between 1960 and 1980, 57 different family owned newspapers sold out to one person: Paul Miller of Gannett. When Paul Miller succeeded Frank Gannett as president of Gannett, Miller vigorously pursued other newspapers. Miller was one of the first executives to take his paper public, and by 1971, he was buying a newspaper company every three weeks. In 1979, Gannett had acquired 79 newspapers.

The larger newspaper companies like The New York World went public, too, and newspaper acquisitions cranked up. By 1971, 170 newspaper groups owned two-thirds of the nation’s 1,700 daily newspapers. By the end of the 1970s, independent newspapers were just about history.

TODAY’S TOP 10 U.S. NEWSPAPERS BY CIRCULATION 1.

2.

3.

4.

5.

6.

USA Today – owned by the Gannett Co. The Wall Street Journal – owner, News Corp.

The New York Times – owned by the New York Times Co. Los Angeles Times – owner, the Tribune Co. The Washington Post – owner, the Washington Post Co. Daily News (New York) – Daily News – owner

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The Scoop on Newspapers... Continued on Page 4

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Call 719-488-2124 www.TLWC.net The Scoop on Newspapers

the paper, lifted more than 100 passages and quotes from other, uncredited sources and billed the newspaper for thousands of dollars for translators and assistants that they say they never received.”

ous articles.

Continued from Page 3

7. Houston Chronicle – owner, Hearst Corp.

8. Chicago Tribune – owned by the Tribune Co. 9. New York Post – News Corp., owner 10. The Arizona Republic (Phoenix) – Gannett Co., owner The Denver Post came in at No. 11 – it is owned by the Media News Group

PLAGIARISM IN JOURNALISM…OR… WHERE DID THAT COME FROM? Maybe one could get away with fabricating stories in the early days of the industry, but there’s a label for that today – plagiarism – and reporters get fired for it.

Jayson Blair of The New York Times was a master at plagiarizing and using fiction as fact. He resigned in May 2003, after he couldn’t prove that he plagiarized a story previously written by reporter Macarena Hernandez for the Antonio Express-News.

The New York Times had plenty of warnings about Blair’s shoddy practices and questionable stories. He had been criticized extensively for numer-

After Blair resigned, a full investigation of his four years at The New York Times revealed a slew of suspect articles such as the following two:

While at USA Today, Kelley was a Pulitzer Prize finalist.

• In a piece on military wards and the wounded, Blair gave a full account of his personal interview with four soldiers in a naval hospital. Turns out he had never been in the hospital and had interviewed just one soldier by phone.

He even made up stories about their injuries.

THE CRYSTAL BALL In his book “The Vanishing Newspaper,” Philip Meyer calculated that 2043 will mark the end of the newspaper, as future generations get their news electronically.

• Blair wrote an article on a church pastor from Cleveland and had never been inside the church and had only interviewed the pastor on the phone. He stole quotes from a Cleveland newspaper and the New York Daily News and copied almost verbatim from a previous article in the Washington Post.

Whether Meyer is right on remains to be seen, but the industry has taken many hits over the past few years. Advertising revenues have thwarted the newspaper business, causing massive layoffs. Newspaper revenue dropped 16.6 percent in 2008 from the previous

Today, Blair is a life coach in Virginia!

Jack Kelley had been the “golden boy” at USA Today for many years until his colleagues began investigating his practices. The story that leveled him involved an article about Yugoslavia and documents he said he had seen about killings and ethnic cleansings in Kosovar. The story was completely fabricated and led to an all-out investigation of Kelley. According to the “NewsHour,” Website of Jim Lehrer; USA Today determined that Kelley “made up all or part of 20 stories that appeared in

J A D E

year to $37.8 billion, according to the Newspaper Association of America.

An article in the “Economist” referred to the Web site www.craigslist.com, which offers free classifieds, as one factor that has “done more than anything to destroy newspapers’ income.”

The industry has lost 18 percent of its employees between 1990 and 2004, and the numbers continue to rise.

Bloggers, nonprofit news organizations and an uncanny number of media outlets have all contributed to the demise of newspapers.

In 1998, 59.8 percent of adults read newspapers; the percentage dropped to 48.4 in 2007.

If it continues at that pace, the newspaper industry could be long gone before 2043. All except for Snippetz, of course.

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• It was British novelist Norman Douglas who made the following sage observation: “You can tell the ideals of a nation by its advertisements.”

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• Those who study such things say that a crack in breaking glass travels at more than 3,000 miles per hour.

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• This may not come as a surprise, but studies of university students show that those who major in education drink the least liquor, while business administration majors drink the most.

Mon – Fri 9:30am – 7pm

• From the “Yes, There Is a Word for It” file: A crith is a unit of measure denoting the weight of a liter of hydrogen.

Saturday Sunday 9am – 6pm 11am – 4pm

• The famed cable cars in San Francisco are the only U.S. national monument that is mobile.

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• The year 1828 was a sad one for winemakers. For unknown reasons, 80 percent of the bottles of champagne bottled that year exploded.

• Add to the list of surprising items you can buy in vending machines in Japan: batteries, umbrellas, soccer balls, live bait, French fries and ties.

• Dead bodies can be a lucrative business: Medical schools and research institutions will pay more than $200,000 for one.

• You might be surprised to learn that Jane Austen’s novel “Pride and Prejudice” was originally titled “First Impressions.”

veloping a method for calculating eclipses and devising a way to measure the rings of Saturn.

• Sir Christopher Wren, the man who designed the famous London landmark St. Paul’s Cathedral, was an astronomer, not an architect. His other achievements included de-

Thought for the Day: “It is easier

***

to lead men to combat, stirring up their passion, than to restrain them and direct them toward the patient labors of peace.”

-- Andre Gide (c) 2009 King Features Synd., Inc.

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did this article last year, but with the recent recall of hundreds of thousands of window coverings in the last few weeks, I thought it was the appropriate time to reprint this article as the safety of our children and even pets are well worth going through this check list!

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Today’s parents have a million things on their minds. Safety in the home, although considered vital, is sometimes overlooked.

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1. Proximity to windows: Furniture should not be placed near windows. Do accessible windows have safety guards? Are bushes planted beneath windows to break an accidental fall?

2. Furniture & Bedding: Do cribs meet current safety standards? Does the crib’s mattress fit snuggly? Does it have safety bumpers?

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3. Lead Paint: If the house was built prior to 1978, it could have lead based paint.

4. Meds & Chemicals: Medicines, household cleaners, matches and lighters need to be out of reach.

5. Stairways & Floors: Are safety gates at the top and bottom of every staircase? Are area rugs secure?

6. Sharp Edges & Lids: Are soft bumpers on the corners and sharp edges of furniture?

Do toilet seats have safety locks?

7. Alarms: Are fire, smoke and carbon monoxide alarms on every floor?

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8. Water & Electrical: Set the thermostat of your hot water heater no higher than 120 degrees Fahrenheit to reduce the chance of scalding. Do all electrical outlets have covers?

9. Emergency Game Plan: Can your children recite their address and phone number? Do they have a fire escape plan?

Are emergency numbers posted for easy reference? Where is the First Aid kit?

10. Window Coverings: Is every window covering in your home designed with child safety in mind? Are there exposed loops that are not secured with a tension devise?

Do window coverings have safety stops and are they properly positioned? If it is a stock blind, was the length of the product properly shortened? There are some good products out there that offer smart safety choices one of them being the Hunter Douglas products that have LiteRise, PowerRise, and Ultra-Glide operating systems which were designed specifically with child safety in mind.

Want to learn more? You can learn more by picking up a Child Safety brochure which includes Twenty-three actions to take now. These are located at a number of Window Coverings stores located in El Paso County. To find out where visit www.

FlooringandDesignCenter.com, or call 487-7767 and request a guide be mailed to you.

Like to know more?

Kim can be reached at 719-487-7767

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While looking over their knick-knack table (“You can have anything on the table for only 10¢ each”), and fiddling with a broken camera tripod (“Oh, I suppose I could let you have it for only five dollars”), Jeff came up to me and whispered, “Ron, do you know anyone who can use a waterbed?”

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GARAGE SALE TACTICS ur neighbors (Jeff & Marie) had a garage sale yesterday. The wife and I ambled over to see what goodies they had that we couldn’t live without. Fortunately, there was no treasure in their trash so we went home empty handed.

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He glanced over his shoulder to see if his wife was listening and he said, “Marie wants the darn thing out of the basement because it was the bed my first wife and I slept in for three years. She thinks I keep it to…”

“Oh, I see.” I interrupted with understanding. “No, Jeff, I don’t need a water bed, but thanks anyway.”

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whispering?”

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“I didn’t know people were still sleeping on them,” I mused.

“Well I have one in my basement and Marie is pretty upset that I’ve kept it. I could let it go for only fifty bucks.”

Our Schedules are filling up quickly.

I looked at him with a question mark on my face, “Gosh, Ron,” he whined, “I paid $650 for it a few years ago.” He was still whispering.

CALL TODAY FOR AN APPOINTMENT!

I whispered back, “Jeff, why are you

7

Like Jeff and Marie, you may be thinking of having a garage sale before summer is over. If you are, then here are some tactics that will help make your sale more successful: First of all, remember that some bargains aren’t bargains no matter how cheap they are. It doesn’t matter that you paid $2300 for your Macintosh 512K computer some time in the last century it’s not worth $89.

Heck, it’s not worth 89 cents. And don’t try the “it’s an antique” sales pitch. It is not an antique - it’s obsolete. The same goes for those 8-track tapes, your old bowling ball, and the 2006 calendar from Jamaica (But it has such pretty pictures on it!).

Another thing - separate your stuff into men’s, women’s, and children’s stuff.

I don’t like to look through a box of miscellaneous hardware and have to fight off a bunch of dusty Avon bottles.

Also, while I’m poking around your stuff, don’t stare at me like you recognize me from America’s Most Wanted. I’m not the guy. I’m just someone with too little money and too much time.

Jeff called a few minutes ago “You know that water bed I was telling you about? I couldn’t sell the stupid thing, so I cut it up and made shelves out of it. Marie is a lot happier and now we have a place to put all the junk we didn’t sell.”

© 2009 Ronald D. Ross Feedback: Dr.Ross@comcast.net For more information about Dr. Ross visit www.MileHighMotivator.com

QUALITY GOODS & SERVICES 

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barded by the British during the War of 1812.

• On Sept. 7, 1776, during the Revolutionary War, the American wooden submersible craft Turtle attempts to attach a time bomb to the hull of British Admiral Richard Howe’s flagship, Eagle, in New York Harbor. It was the first use of a submarine in warfare.

• On Sept. 13, 1814, Francis Scott Key pens a poem, which later is set to music and in 1931 becomes America’s national anthem, “The Star-Spangled Banner.”

The poem, originally titled “The Defence of Fort McHenry,” was written after Key witnessed the Maryland fort being bom-

Correctional Facility near Buffalo, N.Y. Later that day, state police retook most of the prison, but 1,281 convicts occupied an exercise field called D Yard, where they held 39 prison guards and employees hostage for four days.

• On Sept. 12, 1940, near Montignac, France, a collection of prehistoric cave paintings are discovered by four teenagers who stumble upon the ancient artwork in a cavern.

The 15,000- to 17,000-year-old paintings consist mostly of animal representations.

• On Sept. 11, 1985, Cincinnati Reds player/manager Pete Rose gets the 4,192nd hit of his career, breaking Ty Cobb’s majorleague record for career hits. Rose retired as a player during the 1986 season, but remained in his position as Reds manager

until Aug. 24, 1989, when he was banned from baseball for life for gambling on Reds games.

• On Sept. 10, 1993, David Duchovny and Gillian Anderson first team up in the debut of “The X-Files.” Duchovny played FBI agent Fox Mulder -- nicknamed “Spooky” because of his belief in aliens and supernatural phenomena -- and Anderson played Dana Scully, a skeptical doctor. (c) 2009 King Features Synd., Inc.

finders keepers

• On Sept. 8, 1953, Continental Trailways offered the first transcontinental express bus service in the U.S. The 3,154-mile ride from New York City to San Francisco lasted 88 hours and 50 minutes, of which 77 hours was riding time. The cost was $56.70.

by Peggy Rima

“gifts from the heart”

NEW FALL ARRIVALS!

Incredible Jewelry Unique Gifts Local Art Pottery & Candles Colorado Jams, Salsas & Honey

• On Sept. 9, 1971, prisoners riot and seize control of the maximum-security Attica

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

8

SNIPPETZ® THE LOCAL SCOOP

Celebrate the Arts

2-Watts Creative Center A “Hands-On” Art Studio

1. Second Street Art Market and Wine Bar 366 Second Street “A” 719.488.2506

11. Paradise Ponds and Landscaping 213 Washington Street 719.481.2355

2. Bella Art & Frame 366 Second Street “B” 719.487.7691

11. Holiday Fantasies 183 Washington Street 719.622.6633

3. Nationwide Flooring and Design Center 366 Second Street “D” 719.488.9447

12. Wisdom Tea House 65 Second Street 719.481.8822

4. 2-Watts Creative Center 245 Jefferson Street 719.488.0889 5. Bella Casa 155 Second Street 719.559.4133 6. Margo’s on the Alley 215 Chapala Plaza 719.487.1406

13. La Casa Fiesta 230 Front Street 719.481.1234 14. The Love Shop 251 Front Street “13” 719.598.3348

Thursday, Sept 17 www.monumentarthop.org The third Thursday of each month, May through September, the galleries, restaurants and boutiques of historic downtown Monument stay open until 8:00PM* for a celebration featuring art openings, great food, live music and other adult-oriented special events.

15. Prickly Pear 251 Front Street “8” 719.531.7418

7. The Candy Box ‘n Gallery 135 Second Street 719.481.3720

16. The Bead Corner/Heart and Hand Marketplace 251 Front Street “4” 719.487.9900

8. Santa Fe Trail Jewelry 125 Second Street 719.481.0250

17. Purple Mountain Jewelry 251 Front Street “4” 719.487.0444

9. Covered Treasures Bookstore 18. Winter | Helmich Gallery Corner of Second and Washington 47 Third Street 719.481.2665 719.488.1063 | 719.488.0448

HISTORIC DOWNTOWN MONUMENT~ Interstate 25~ Exit #161 *Most of the art openings and other special events are scheduled from 5 to 8 PM. Sponsored by:

MARKETING & DESIGN

ArtHopSnippetzAdSept.indd 1

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6/8/09 10:31:10 AM

THE PLACE TO FIND LOCAL BUSINESSES ON THE GO!

SNIPPETZ BUSINESS DIRECTORY CONSIGNMENT

THE WALSH COMPANY 430 Beacon Lite Road #155 Monument 481-6555 - walshtaxco@aol.com Individual and Business Tax Returns.

Payroll, bookkeeping and financial statement accounting services.

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

AUTOMOTIVE

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

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

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

COMPUTER

FINANCIAL

TLC COMPUTER REPAIR Sales and Service PC Recycling Center 303 B Hwy 105 / Monument Across from the 7-11 719-302-2937

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

KARAOKE

FLOORS

ACCOUNTANT

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 everyThursday from 9pm - 1am 719-231-2946

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

www.certapro.com Painting • Passion • Professionalism

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

719-481-2968

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

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

MORTGAGE 1ST METROPOLITAN MORTGAGE Jerry Case & Daniel Shepard

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

By Sam Mazzotta

“Children and dogs are as necessary to the welfare of the country as Wall Street and the railroads.”

-Harry S. Truman

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)

Paws Corner

A year or so ago he was lost and no one claimed him. We put him up for adoption and he was adopted. He was given back to SAINT Animal Rescue because his owner has allergies now and can no longer keep him. Sandy has one brown eye and one blue. He is part Golden Retriever and something else and we aren’t sure what.

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

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

TINA PETERSON ABR-GRI-ePRO Remax Advantage Realty 719-460-7614 Are You Looking to Buy or Sell? www.ColoradoHomesMarket.com

719-314-1320 www.nostresshomeloans.com

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able 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.

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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.

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lease take a moment to meet one awesome dog! Sandy! He is about 4 years old.

If you think you would like to bring Sandy 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. It is always a challenge when adopting a new pet. SAINT Animal Rescue asks the adopter to give the animal a reason-

(719) 475-1616

LANDSCAPING

ONE AWESOME DOG!

He is a pretty large dog and loves to play and loves people! I don’t think Sandy would be good in a home with small children only because he isn’t aware of his size, older children would be fine. Sandy is horribly afraid of thunder and will pant and pace the floor until he no longer hears thunder.

Sandy loves to run and will, if outside in a yard, when thunder sounds run and run, he is that afraid of the noise.

He needs a high secure fence but is not to be left outside. Sandy wants to be with people and loves to give kisses. He is a very sweet boy.

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

REMODELING

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LONELY GUINEA PIG NEEDS NEW PLAYMATE DEAR PAW’S CORNER: I recently lost one of my guinea pigs, “Rosie.” Ever since then, my other guinea pig, “Tulip,” has seemed to take it very hard. She stays in her igloo and doesn’t get up a lot. I’d like to get a new guinea pig so she won’t be lonely. Is this a good idea?

If I get a young guinea pig, would Tulip act motherly toward it or attack it? -- Elise, via e-mail DEAR ELISE: First, I’m so sorry to hear about Rosie. Guinea pigs tend to do best living in pairs, so I agree with you that Tulip is probably experiencing some depression right now at the loss of her companion.

10

Introducing a new guinea pig may be all right in Tulip’s case. Female cavies accept new companions more readily than males, which generally have to be introduced when they’re both young. I can’t say whether introducing a very young female cavy companion will work better than introducing an adult cavy to Tulip -- but adult cavies tend to be very individualistic. Go with your instincts, and observe both guinea pigs closely as they interact. Happy cavies generally make clucking or “wheek” sounds, or purr. Teeth clacking, posturing or yawning can indicate aggressiveness.

In any case, make sure Tulip continues to get the nutrients she needs while she adjusts to the loss of Rosie. She must eat daily, so if she hasn’t eaten in 24 hours, contact her veterinarian for guidance -- she may need to be brought in so the vet can introduce nutrients quickly.

Send your tips, questions and comments to Paw’s 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.

BLUEBERRY TORTILLA ROLLUPS This is a delicious after-school snack or a wonderful family dessert. You can double the recipe for the Blueberry Cream Cheese Spread and use it on bagels, waffles or toast for a quick breakfast.

8 burrito-size flour tortillas (about 8 inches) To make the Blueberry Cream Cheese Spread: 1/2 cup blueberries, washed 4 ounces low-fat cream cheese 2 tablespoons honey or agave nectar 1/2 teaspoon ground cinnamon 1/2 teaspoon ground nutmeg 1/2 teaspoon vanilla

Kids need to eat fruit every day to be sure they’re getting enough vitamins and fiber. With blueberries in the fridge or freezer, providing healthful fruit treats for your family is easy. Blueberries never need to be chopped, peeled, cored or stemmed -- just rinse, and they’re ready to enjoy as a quick snack or recipe ingredient. By serving your family fruit-filled breakfasts, snacks and desserts, you’re also helping them develop good eating habits that can last a lifetime.

Here are some quick ways to use blueberries for your child’s breakfast or after-school snack that are also fun for the whole family. These simple suggestions are as easy to make as they are to eat -- so even the youngest chefs in the family can help out: • Put a blueberry smile on your child’s pancakes or waffles.

• Add blueberries to a peanut butter sandwich and call it a PB&B. • For a tasty take-along snack or lunchbox treat, mix dried blueberries, your child’s favorite cereal and some mini pretzels in a zip-top bag.

• In a glass, layer blueberries, yogurt and crushed cereal or graham crackers to make a quick and easy parfait.

• Make True-Blue Ice Cubes: Fill an ice-cube tray with blueberry juice and add a few blueberries. After freezing, add the dark-blue cubes to orange juice or lemonade.

In this week’s recipe for Blueberry Tortilla Rollups, agave nectar is suggested to sweeten the berries and to make this recipe a healthy, low-fat snack or

Chinese Restaurant Delicious Traditional Chinese Food

J

asmine Garden is the perfect place if you are looking for high quality, healthy and tasty Chinese food without the high prices.

Our customers enjoy our food and service because we are friendly and prepare delicious Chinese dishes using only the best and most fresh ingredients, served in generous portions, so you can be sure to leave full and satisfied.

Stop in and try our delicious food. You can dine-in or take-out your food to enjoy it in your home or office.

LUNCH SPECIALS Served with Soup, Egg Roll, Fried or Steamed Rice and Fortune Cookie

Voted

“Best of the Springs”

11:00AM - 3:00PM

Colorado Springs Gazette

DINE-IN • TAKE-OUT Open 6 Days a Week

25

(Closed Mondays)

Tuesday - Thursday: Friday & Saturday: Sunday:

11:00am - 9:00pm 11:00am - 9:30pm 11:00am - 9:00pm

1425 Cipriani Loop, Monument, CO Tel: (719) 481-0769 •(719) 481-1845

To make the Blueberry Sauce: 1/2 cup blueberries, washed 1 cup low-fat vanilla yogurt 1 tablespoon honey or agave nectar 1 teaspoon fresh lemon juice 1/2 teaspoon vanilla Place blueberries in a medium-sized bowl. Add the yogurt, honey or nectar, lemon juice and vanilla. Using a potato masher or large spoon, crush the blueberries and blend them into the rest of the ingredients to make a sauce.

To assemble the tortilla wraps: Wrap the tortillas in a food-safe paper towel. Sprinkle the towel with a few drops of water on both sides. Place the wrapped tortillas in the microwave and cook on high for 10 to 15 seconds until the tortillas are soft and pliable. Keep the tortillas in the paper towels to keep warm.

Spread the cream-cheese mixture evenly over the warm tortilla, stopping 1/4 inch before the edge. Place two heaping tablespoons of the blueberry sauce on top of the cream-cheese mixture.

Roll the tortilla up and cut in half on an angle. Spread another heaping tablespoon of the blueberry sauce over the tortilla wrap. Serve immediately. *** Angela Shelf Medearis is 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. The Kitchen Diva! is brought to you by Eggland’s Best Eggs, www.egglandsbest.com.

11

N

S

Cipriani Loop

www.eatatrosies.com

SERVING Breakfast • Lunch • Dinner

PRIME RIB ON FRIDAY NIGHTS 5PM - 9PM

$

10

.99

411 Hwy. 105 • Monument, CO 80132

(719) 481-3287

(c) 2009 King Features Synd., Inc.

105

Jackson Creek Parkway

Combine blueberries, cream cheese, honey or agave nectar, cinnamon, nutmeg and vanilla in a medium bowl.

Blend well.

Jasmine Garden

r.

dessert. Agave nectar comes from the agave plant and is a delicious and safe alternative to table sugar. This nectar does not contain processing chemicals.

Even better, because it is sweeter than table sugar, less is needed in your recipes and meals. It can be most useful for people who are diabetic, have insulin resistance (Type II, non-insulin dependant) or are simply watching their carbohydrate intake.

ood D

BLUEBERRIES ADD FUN TO AFTER-SCHOOL SNACKS

DINING GUIDE

®

Knollw

SNIPPETZ

SNIPPETZ Casual Cuisine for the Whole Family

A Second Cup

®

DINING GUIDE

ALL YOU CAN EAT

CRAB

EVERY THURSDAY NIGHT

LIVE MUSIC

EVERY SATURDAY NIGHT CHECK OUR WEBSITE FOR DETAILS

13860 Gleneagle Dr., Gleneagle

481-6446 www.asecondcup.net Open 7 Days a Week 6:00am - 9:00pm Enjoy our covered patio, with a beautiful view of Pikes Peak

GOOD HOUSEKEEPING ONE

FRUIT BOWL WITH MINT AND LIME 1 cup sugar 2 cups loosely packed fresh mint leaves and stems, coarsely chopped 2 limes 1/2 large (about 10 pounds) seedless watermelon 2 medium (about 3 pounds each) cantaloupes 1 large (5 pounds) honeydew melon 1. Prepare syrup: In 2-quart saucepan, heat sugar and 1 cup water to boiling over high heat; boil 5 minutes or until syrup thickens slightly. Remove saucepan from heat; stir in mint. Refrigerate syrup about 2 hours or until well chilled.

COFFEE CUP CAFÉ TEMPORARILY CLOSED Due to fire damage. It will be 3-6 months before we can reopen. Please support our other location, A Second Cup, and continue to support other local Tri-Lakes businesses while we work to reopen.

Thank you, Wendy & Jeremy Diggins

tract as much liquid as possible. Stir in lime peel and juice. If not using syrup right away, cover and refrigerate up to 1 week. Makes about 2 cups.

4. Prepare fruit: With large spoon, scoop out watermelon flesh and transfer to medium bowl. Reserve watermelon shell. Cut watermelon into bitesize pieces, discarding seeds, if any.

Place watermelon in very large bowl.

Remove rinds from cantaloupes and honeydew; cut flesh into bite-size pieces and add to watermelon in bowl. If not serving fruit right away, cover fruit and shell separately with plastic wrap and refrigerate up to 4 hours.

3. Drain syrup through sieve into small bowl, gently pressing with spoon to ex-

(c) 2009 Hearst Communications, Inc. All rights reserved

GOOD HOUSEKEEPING TWO

tic bag; reserve remaining pineapple mixture for grilling. Add drumsticks to bag, turning to coat. Let stand at room temperature 15 minutes.

1 can (8 ounces) crushed pineapple in unsweetened pineapple juice 1/4 cup (packed) brown sugar 3 tablespoons soy sauce 1 tablespoon (grated) fresh ginger, peeled 1 clove garlic, crushed with press 12 (about 4 pounds) chicken drumsticks, skin removed 1. In blender, puree pineapple with its juice and remaining ingredients except drumsticks. Spoon 1/2 cup pineapple mixture into large self-sealing plas-

y Sunda er” pp u S y “Sunda ked Ravioli, a, Ba Lasagn anicotti M $10.95 y Monda iana” Parmig t “Pick a n or Eggplan e k ic h C Veal, $9.95

Tuesd “Coupo ay n Craz y” We wil l h onor an restaur y ant’s va lid cou pon Wedne s d ay “Man V s. Food All you ” can ea t Lasag na $11.95 Thu “Thirsty rsday 33 Thu r 1/3 OF sday” F all bott led win e

Open Nightly at 4:30

PATIO NOW OPEN! AVAILABLE FOR PRIVATE PARTIES AND CATERING

• Each serving: About 75 calories, 10mg sodium, 19g total carbohydrate, 1g dietary fiber, 1g protein.

For thousands of triple-tested recipes, visit our Web site at www.goodhousekeeping. com/recipefinder/.

A quick marinade adds a sweet and tangy glaze to grilled skinless drumsticks -- a favorite with everyone in the family.

ra La Zinga als eci p S y l i a D

5. Just before serving, toss fruit with syrup and spoon into reserved shell.

2. Meanwhile, from limes, grate 2 teaspoons peel and squeeze 1/4 cup juice.

POLYNESIAN DRUMSTICKS

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2. Remove drumsticks from bag; discard bag with marinade. Place drumsticks on grill over medium heat and cook 15 minutes, turning over once.

Cook drumsticks 10 to 15 minutes longer, or until drumsticks are golden and juices run clear when thickest part is pierced with tip of knife, brushing twice with reserved pineapple mixture and turning occasionally. Serves 4.

COME ON IN AND WATCH THE BRONCOS AND ROCKIES!

NOW CATERING!

• Each serving: About 260 calories, 8g total fat (2g saturated), 123mg cholesterol, 385mg sodium, 8g total carbohydrate, 38g protein.

For thousands of triple-tested recipes, visit our Web site at www.goodhousekeeping. com/recipefinder/. (c) 2009 Hearst Communications, Inc. All rights reserved

OUR PATIO IS STILL OPEN!!

12

SNIPPETZ DINING GUIDE ®

PATRICIA’S CAFÉ POLENTA

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

BINGO! Saturdays at 6:15 BREAKFAST SUNDAY 8:30-10:30am Biscuit & Gravy $1.95 ALL DAY Sunday 1c 3c 1 tsp ½ tsp ½ tsp 1 dash ½c

Corn Meal (course) Water Salt Onion Powder Garlic Powder Tabasco Parmesan Cheese

1. Bring water to a boil with and slowly add the corn meal.

2. Reduce heat to a low simmer and continue stirring.

3. When the mixture becomes thick, add in rest of the ingredients and mix well.

4. Remove from heat and pour into an 8” x 8” oiled pan.

5. Let cool.

A

fter the polenta has cooled it can be left in the refrigerator for future use. Cut it into squares and grill it with a little oil for a side or cut it into thinner pieces and fry it in oil until it is golden brown.

It can then be used like a crostini. Top it off with some meat and cheese or some grilled vegetables.

At one time polenta was a staple for northern Italy. It was used in place of pasta or rice. Try it with a simple red sauce and chicken or dress it up with crispy bacon and rosemary as a side for a steak. You can replace the Parmesan cheese with any other type of cheese such as a blue or Gorgonzola cheese. For those of you that can’t do dairy just leave out the cheese. Chicken stock can be used in place of the water and spices. If you want to add other ingredients add them in at the time of the cheese.

It is a great alternative for those of you that can’t do wheat because of the gluten.

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

“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

PRINCELY PINOT Pinot Noir [PEE-no NWA], the great grape of Burgundy, is a touchy variety. Pinot Noir is lighter in color than Cabernet or Merlot wine. It has relatively high alcohol, medium-to high acidity, and medium to-low tannin (although oak barrels can contribute additional tannin to the wine). Its flavors and aromas can be very fruity-often like a melange of red berries-or earthy and woodsy, depending o how it’s grown and/or vinified. Try it with lamb or pasta dishes.

13

8668

Serving Anne & Mann’s Gourmet Ice Cream

24 Hwy. 105 in Palmer Lake

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

BACK TO SCHOOL HOURS Sunday - Thursday 10AM - 9PM / Friday & Saturday 10AM - 10PM Beginning September 14 we will be closed on Mondays!

Rock House Ice Cream

Vino-Bits

481-TOOT

Sunday through Thursday 11:00 - 3:30 Friday and Saturday 11:00 - 8:00

488-6917

BAYOU BARBQ CAJUN & BARBQ Fare Dine-in or Take-out

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

WEDNESDAY IS CATFISH DAY! COME SEE GUITARIST MIGUEL NADAL PERFORM LIVE EVERY WEDNESDAY 6 TO 8PM

481 Hwy. 105, Suite G • Monument, CO

(719) 488-2799

Website: BAYOUBARBQ.COM

ÂŽ

SNIPPETZ CLASSIFIED / LOCAL SCOOP

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

ROOMS for RENT

719-481-1361 or 719-488-0083

Call: 719-487-0484 ÂŽ

Snippetz Classified ads will run a minimum of ďŹ ve consecutive weeks unless otherwise arranged. Classified ads must be received no later than Wednesday before 12:00 pm in order to appear in the following week’s issue. We reserve the right to refuse or edit ads for any reason deemed necessary.

Ads must be submitted by E-mail or U.S. Mail E-mail: snippetz01@gmail.com or Funder Enlightening, Inc. PO Box 789 Monument, CO 80132 Visa / Mastercard / Check

HELP WANTED

HELP WANTED

WE ARE LOOKING FOR SOMEONE TO LIVE WITH US RENT FREE and help us with some light housekeeping, meal preparation and some child transportation. The children are older, but our work and travel commitments can keep us from being able to juggle all the schedules. We have plenty of room and have had au pairs for years, but we don’t need anyone full time anymore. We primarily need help in the after school through dinner hours. We live in Monument. If you are interested, please call Jennifer or Bart at 719 487 2851.

HELP WANTED Hangers, Your Thrift Shop benefitting Tri-Lakes Cares, is looking for Enthusiastic and reliable volunteers to help customers and Inventory items for Saturdays and some p.m. weekdays.

Fun environment! Call Sandy at 488-2300 for more information.

Attention!!

ROOM FOR RENT All utilities and washer & dryer furnished. Month to month lease.

Rent $385. No pets or smoking (or smoking pets!)

APARTMENTS for RENT

Lovely, sunny 1300 sq foot walk out apartment with private entrance and patio in a home on 2.5 acres in tress, 5 minutes to I25. Full kitchen, new carpet and paint, walk in closet and storage room. Cable, high speed internet and all utilities included. Perfect for the person who wants to live in a comfortable home, without home maintenance. A must see. Nonsmoking. $990/month Call 719-488-1466 for more information.

FOR SALE

LIKE NEW! 3br/2ba 1404 sq.ft. manufactured home on lge lot MM Park.New ref.& neutral carpet, cer. tile in kit,utility &entry.W/D, DW, 2 storage sheds. $44,500 Call owner 488-0986 to see!

SERVICES

AFFORDABLE HORSE BOARDING

FREEDOM PATHWAYS Helping the path of others.

Housekeeping, doctor appointments, run errands, over night care, meal planning. Local references.

CPR Certified & Med Certification.

Call JoAnne at 719-494-8124

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

Your electric bill could double if Congress passes proposed legislation.

We need your help! Senators are drafting climate change legislation NOW. This legislation should be:

3 Fair.

3 Affordable.

3 Achievable.

Climate change legislation needs to recognize regional differences in how electricity is produced.

Your cards will be hand delivered to Senators Mark Udall and Michael Bennet

719-775-2861 719-495-2283 www.mvea.coop

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

Michael D. Ahlers

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

BACK TO SCHOOL SPECIAL!!

15% OFF

www.shelterinsurance.com

NAIL & FACIAL SERVICES

BY YVETTE

Continuous Education to Better Serve You

481-3094

h9OUR (OMETOWN !UTO $EALERv

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

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

YOU MAY NOT BE ADVERTISING!

481 Hwy 105, Suite A Monument Plaza Center

AUTO SALES

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

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

SUBARUS!

Seek Shelter Today!

IF YOU’RE NOT ADVERTISING IN SNIPPETZ...

Haircuts by one of our GREAT STYLIST: Bonnie, Jamie, Tara, Kristina and Jamie S.

* Our Staff is Redken Trained *

Climate change goals must be realistic to ensure long-term success.

1. Look at your September 2009 Colorado Country Life Magazine.

2. Sign and Return the postage paid post card inserted in the magazine (even if you have done so in the past).

Open Monday to Saturday • Appointment Recommended Walk-Ins Welcome

50% OFF

electricity affordable for all Americans.

PLEASE:

Your Professional family Salon

HAIRCUT

Any climate change plan must keep

AUTO REPAIR

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

AUTO REPAIR

$7.00 OFF ANY

OIL CHANGE

WITH THIS COUPON

MONUMENT • SAFEWAY CENTER • 488-2299

14

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

Specializing in SUBARU Repairs

SNIPPETZ : THE LOCAL SCOOP ®

Front Street Square THE LOVE SHOP...

Where you love to shop Suite 13 - 719•598•3348 Official Vera Bradley and Pandora Dealer

It’s Happening On The Square!

Robinson Construction is doing an excellent job rebuilding the Coffee Cup Cafe.

The cafe should be open soon!

During the restaurant and road construction, don’t forget Front St. Square’s other fine businesses are open and ready to serve you!

THE COFFEE CUP CAFÉ Suite 6 - 719•488•0663

Restaurant temporarily closed due to fire damage. Please support our other location, a Second Cup and continue to support other local Tri-lakes businesses while we work to reopen.

Thank you, Wendy and Jeremy Diggins

GREAT SPACE AVAILABLE

This Month’s Focus THEAPEUTIC MASSAGE THERAPY

Suite 11-C 719-488-2250

Theapeutic Massage Therapy: Who’s Got Your Back? Yoga Posture and Breathing Technique Workshop for discomfort September 26, 1-3 p.m. 488-2250 The Bead Corner, Heart and Hand Marketplace: Knitting classes by master knitter Barb Dedecker.

Clean and comfortable environment. Health and wellness workshops. Aromamassage - Mountain Air Salon: Experienced stylist wanted. Booth rental Couples. Swedish, Deep Tissue and Sports. salon.481-3265 Ask for Karey.

SPACE AVAILABLE Suite 8 Great space, great rates.

1,000 SF, 1200 SF or 2200SF of prime retail space.

Call John 488-8194

Love Shop: Sept 17-19 Pandora Gift with Purchase receive a free lobster clasp bracelet with your purchase of $100.00 or more.

One Stop Cleaners: Now selling super soft mink blankets. Winter is coming, stop in to see and feel the softness. Long wearing.

BLUE SAGE MERCHANT Suite 11-B 719•488•1822

Let us sell for you in the world’s largest auction site - Tri-Lakes only E Bay drop off store

MOUNTAIN AIR SALON THEAPEUTIC

Suite 5 719•481•3265

SPACE AVAILABLE

Under new management of Karey Ennor.

Barber cuts by Meredith, highlights, state of the art color, updos and contemporary cuts.

Hair extensions.

MASSAGE THERAPY

ONE STOP CLEANERS Suite 11-A 719•488•3851 Your Dry Cleaning and Alterations Headquarters.

THE BEAD CORNER RICHARDS CHIROPRACTIC Suite 10 719•481•3121 We put the pieces back together!

251 Front St. In the heart of Downtown Monument 15

HEART & HAND MARKETPLACE

Suite 4 719•487•9900 All new class schedule starting in August!

SNIPPETZ : THE LOCAL SCOOP ®

SENIOR NEWS LINE

by Matilda Charles

SPINAL CEMENT NOT ALL IT’S CRACKED UP TO BE

Y

ears ago, doctors came up with a new technique to fix fractured vertebrae in the spine caused by osteoporosis: They injected medical-grade “cement” into the area, which stabilized the fracture site and relieved pain.

It was a good idea. “Percutaneous vertebroplasty” was done on thousands of patients over the years, but only now has there been a study to see if the treatment is effective. Unfortunately, it turns out that the procedure doesn’t work quite as well as planned.

Patients were tested at the one-week, one-month, three-month and sixmonth marks after the procedure. To get good results, a double-blind study was used. Some patients were given a “fake treatment” and only thought they had had the cement injected.

Patients were able to get up within a few hours and experience less or even no pain, but the results showed that those who did and did not have the procedure had the same outcome.

Those receiving the treatment didn’t get better results than those who didn’t have the treatment, in terms of pain and ability to function. The conclusion was that there’s no real benefit to the treatment -- but there are risks.

The risks are fairly serious, especially since the procedure doesn’t appear to work any better than other treatments. The “cement” can leak, which means it likely can migrate elsewhere in the body. There is risk of infection.

And worse, there’s a possible risk of more fractures because the cement stabilized the fracture in the position it was already in.

Now being tested is a “balloon” that is injected between the vertebrae, which will allow the space between vertebrae to be put back in its original position before the “cement” is injected. This will hopefully take care of the risk of additional fractures at the same site.

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.

SOCIAL SECURITY’S 800 NUMBER: A HISTORY OF SERVICE

By Rose Fortune Social Security Public Affairs Specialist in Colorado Springs

T

oday, most adults in America carry a cell phone. If they don’t, they probably have a landline phone at home. Although millions of people go online each year and take advantage of our convenient services at www.socialsecurity.gov, we still offer a full range of services over the telephone too.

That’s an important thing to remember when you need to do business with Social Security. You can conduct many business transactions with our automated telephone services 24/7.

Simply dial 1-800-772-1213. And by calling that same number, you can talk with a Social Security representative from 7 a.m. to 7 p.m., Monday to Friday.

Our toll-free 800 number service, which marked its 20th anniversary late last year, has now answered over a billion phone calls. Yes, that’s billion with a ‘b!’ And this year alone Social Security will handle more than 60 million calls.

Our phones are busiest early in the week and early in the month, so if your business can wait, it’s best to call at other times. Also, whenever you call, have your Social Security number handy.

Bilingual representatives are available to assist our non-English speaking members of the public.

Do you have a Social Security question or problem and cannot call during normal business hours? Recorded information and many automated services are available 24 hours a day — including weekends and holidays.

16

Callers can use these automated services to report a change of address or telephone number, start or change direct deposit of benefits, request a proof of income letter or a replacement Medicare card, and order some of our most popular public information pamphlets.

Of course, if you have a computer, you may find that the information and services offered online are even more convenient at www.socialsecurity.gov.

While you’re online, you can read more about our toll free phone service at www.socialsecurity.gov/pgm/services.htm.

But if you don’t have a computer or prefer to do business over the phone, we invite you to call us. Social Security is never more than a phone all away: 1-800-772-1213 (TTY 1-800325-0778).

SNIPPETZ® HEALTH AND WELLNESS

FOUR CLUBS, ONE UNBEATABLE PRICE! WE’RE FIT TO CELEBRATE AND SO ARE YOU! We’re celebrating the GRAND RE-OPENING of the Anytime Fitness in Monument, the area’s only exclusive 24 hour, co-ed, non-intimidating fitness club. Come in during our celebration and enjoy our GRAND RE-OPENING OFFERS!

WOODMOOR PINES CELEBRATING 40 YEARS

Golf Marathon Woodmoor Pines September 14 - 20

GRAND RE-OPENING

CELEBRATION!!

SATURDAY, SEPT. 19TH • 9:00AM - 5:00PM

All the golf you can play in a day!

Join us for food, refreshments and fun! We look forward to meeting you!

100 who enroll receive... $0 enrollment!

PLUS... Two Months Free!

Only $60/Day*

First

&

All golfers are welcome to attend.

First 100 new members only! Some restrictions apply.

ALL NEW MEMBERS receive a free...

Social membership at the Woodmoor Pines Golf and Country Club!

Call today to book your reservation.

719-884-7243

Some restrictions apply.

*Marathon fees can be applied to membership initiation fee.

24-HOUR, CO-ED FITNESS • SECURE, COMFORTABLE, CLEAN NATIONWIDE ACCESS TO ALL ANYTIME FITNESS CLUBS • CUTTING-EDGE CARDIO EQUIPMENT TOP-OF-THE-LINE STRENGTH EQUIPMENT • 24 HOUR TANNING • AND MUCH MORE!

For information on membership, contact Chris DeCicco at 719-481-2272 ext. 402. www.woodmoorpinesgcc.com

719-487-1979 • www.anytimefitness.com tness.

1737 Lake Woodmoor Dr. • Monument, CO 80132

ANYTIME FITNESS ANNOUNCES NEW OWNERSHIP OF THE MONUMENT COLORADO

A

nytime Fitness, the world’s largest and fastest growing 24-hour co-ed fitness franchise, is pleased to announce the new owners of the Monument Anytime Fitness Club. The new owners, Dane and Tina Matthew are hosting a grand re-opening celebration on September 12 from 9 AM to 5 PM at the Anytime Fitness Center located at 1737 Lake Woodmoor Dr in Monument.

With 24/7 access, Anytime Fitness offers convenient and affordable exercise. At Anytime Fitness, members can workout any time of the day or night, every day of the year. They use a security-access key to enter the club, 24-hours a day. Once inside, members have full use of state-ofthe-art strength training and cardiovascular equipment. Anytime Fitness also offers 24hour tanning and membership reciprocity among its clubs, which allows members to use any of the 1000+ clubs that are currently open in the United States, Canada, and Australia.

The layout of the Monument club is designed for quick and effective exercise. The equipment options at Anytime Fitness include circuit and cross-training machines, free weights, stationary bicycles, and treadmills. The Matthews take over ownership of the center on September first and are prepared to make significant improve-

ments to the facility. They have already ordered new tanning beds and are planning to upgrade the interior of the club. Matthew said “the private showers and dressing areas will get a make-over as well as the interior paint scheme.”

To celebrate its grand re-opening, Anytime Fitness is offering new membership specials that according to Matthew “make the price of getting fit, less then the price of a bottle of soda a day.” The Matthews hope to attract 500 new members to the club. Toward this goal, Matthew is already working with other local businesses to coordinate efforts and offer new members unique incentives. According to Matthew all new Anytime Fitness members at his club, will also receive a free social membership at the Woodmoor Pines Golf and Country Club.

The Matthews are very enthusiastic about opening this new club in Monument. Dane is a recently retired Air Force Officer with 20-years of experience running base fitness centers and community recreational activities. “The convenience and affordability of Anytime Fitness can’t be beat,” said Matthew. “Choosing this club makes it easy for members to stay committed to their fitness goals.”

“Anytime Fitness clubs are pared down to the essentials necessary for a great work-

out,” said Matthew. “Where we don’t cut corners is in our personal service and commitment to our members. We are excited to be in Monument, and it’s our goal to become an active member of the community,” continued Matthew.

Club tours will be available during the grand opening celebration. Membership information is available at the club, by calling (719) 487-1979 or (719) 216-6129, or visiting the club, and at www.anytimefitness.com.

ABOUT ANYTIME FITNESS Open 24 hours a day, 365 days a year, Anytime Fitness prides itself on providing its more than 600,000 members with convenient and affordable fitness options in friendly, well-maintained facilities which

17

feature top-quality exercise equipment.

State-of-the-art security and surveillance systems ensure member safety at the clubs, even during unstaffed hours. Anytime Fitness expects to achieve system-wide sales in excess of $150 million in 2009. Recent accolades: Mpls./St. Paul Business Journal ranked Anytime Fitness #1 on its “Fast 50” list of the fastest-growing private companies in Minnesota for 2008. The National Minority Franchising Initiative named Anytime Fitness among its “Top 50 Franchises for Minorities” (November, 2008).

Entrepreneur magazine (January, 2009) ranked Anytime Fitness the 9th fastestgrowing franchise of any type in America (up from 12th last year), and Franchise Times magazine ranked Anytime Fitness 35th on its “Fast 55” list of new franchises.

For more information about Anytime Fitness, or to find the club nearest you, visit www.anytimefitness.com.

SNIPPETZ® HEALTH AND WELLNESS

ARE YOU BORED WITH YOUR CURRENT WORKOUT? ARE YOU GETTING THE RESULTS YOU WANT? ARE YOU READY TO TRY SOMETHING DIFFERENT?

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

BOB BADER, NSCA- CPT SPECIALIZES IN FUNCTIONAL TRAINING This training combines weight training and cardio into one workout so you get the results you want faster!

Contact Bob for a free consultation:

719-232-4386

Specialized Adult and Pediatric

Real World Personal Training offers affordable co-ed group classes and one-on-one personal training.

Allergy and Asthma Care

Just pay for training!

No membership fees!

Now in Monument

Conveniently located at 755 Hwy. 105, Unit 12, behind the West End Center in Palmer Lake the contraction of airway muscles. They also prevent the production of thick mucus.

It can take up to four weeks before the effect of these medicines is appreciated.

Inhaled cortisone doesn’t cause the serious side effects that prolonged use of oral and injectable cortisone can. Your health isn’t going to be in danger from its use. Your health is going to improve with its use. You might not have to use it for life.

ASTHMA CAN APPEAR AT ANY AGE DEAR DR. DONOHUE: I am 47, and my doctor tells me I have asthma. Is that possible? I thought it was a children’s disease.

One of the medicines the doctor put me on is a cortisone-type inhaler. This has me scared silly. I don’t want to stay on a cortisone medicine for life. I have heard it does too many bad things. What do you have to say about this? -- M.L. ANSWER: Asthma can make an appearance at any age. The incidence of it peaks between the ages of 4 and 10, and again in the 40s. It’s not only a childhood illness.

During an asthma attack, the airways (bronchi) narrow because the muscles wrapped around them go into spasm. That makes it hard for air to get into and out of the lungs. Added to the airway constriction is an outpouring of thick mucus within the airways, another obstruction to the flow of air through these passages.

For an acute asthma attack, medicines that relax the muscles wrapped around the airways are used, most often delivered via an inhaler. The onset of action of these medicines is quick, but their duration is only about four to six hours. So it is also important to administer to asthmatics medicines that last longer.

Inhaled cortisone medicines are such drugs, and they’re essential for asthma control.

They soothe irritated airways and prevent

The asthma booklet gives a detailed explanation of this common condition and its treatment. Readers can obtain a copy by writing: Dr. Donohue -- No. 602W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery.

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

719-592-1365 www.csallergy.com

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

*** DEAR DR. DONOHUE: Enclosed is an ad for vitamin B-4. Is it as good as the ad says? -- L.F. ANSWER: Sometime in the past, scientists thought there was a vitamin B-4 whose lack was responsible for slow growth in animals. It was called adenine. Adenine is real, but it’s not a vitamin. It’s the building material for DNA and RNA. It’s found in many foods. You don’t need a supplement of it.

ON THE NORTH END OF COLORADO SPRINGS

***

ANSWER: Many people believe that deodorants and antiperspirants are harmful.

I’m not one of them. Armpits don’t breathe.

The lungs do.

LOCATED IN THE BEAUTIFUL NEW NORTHGATE RETAIL PLAZA

Your husband can wash under the arms before and after exercising. Skin bacteria cause the odor, not sweating.

SPECIAL GRAND OPENING RATES AVAILABLE

DEAR DR. DONOHUE: When my 68year-old husband exercises, he smells like rotten onions. He claims that deodorants and antiperspirants are harmful. He says you need to let your armpits breathe. I say he’s wrong. -- Anon.

FOR THE FIRST 100 MEMBERS

HURRY, THIS OFFER WON’T LAST LONG!!

*** 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

C

ome enjoy this brand new gym with brand new equipment from state of the art cardio machines to just off the line precor strength machines to a large selection of free weights then lay back and enjoy our brand new tanning bed for more info or to get started - call us @

719-499-3845

Located On The South East Corner Of Northgate Blvd And Voyager Parkway

18

SNIPPETZ® HEALTH & THE LOCAL SCOOP The Winter – Helmich Gallery will host a book signing

Marian Volk

for a very special friend and author, Tom Shanley,

HEAVEN’S FAVORITE

Permanent Hair Removal, Skin Care, & Massage

25 Years Exp. Certified Massage Therapist Certified Electrologist Licensed Esthetician

Book1, Ascent: The Rise of Chinggis Khan Book 2, Dominion: Dawn of the Mongol Empire

3113 Gladiola Dr. • Colorado Springs, CO 80907 • (719) 634-7284

BEHAVIOR TIP OF THE WEEK RELAX AND LISTEN TO YOUR BODY

P

eople who struggle with eating problems often find it difficult to relax. They may be too preoccupied trying to stay busy to avoid what their body is feeling; such as hunger pangs, fear, depression, stress, anger, etc. Learning to relax allows you to tune into your body. When you are relaxed, you are more aware of any unpleasant emotional and physical feelings. You should also have a clearer picture of how to deal with them appropriately.

Ignoring unpleasant feelings just causes them to build up to the point where you may cope with them by practicing unhealthy eating behaviors. For example,

ignoring feelings of hunger can cause you to overeat at your next meal. Or, ignoring an issue that made you angry might cause you to turn to food to calm you down. When instead, you should just relax.

Relaxation can give your mind and body a break from the stress of daily life so you can think clearly and positively. For example, instead of reaching for that gallon of ice cream when your friend upsets you; relax with a warm bath or listen to soothing music. While you begin to feel better, you may think of a good way to discuss the situation with your friend and clear things up.

Relaxation can become a substitute for or help prevent unhealthy eating behaviors, so that you can make progress with your weight loss.

Visit www.heavensfavorite.com

Robyn Graham, LMT

212 N. Washington St., Suite A in the Chapala Bldg in Monument For Information and Massage Products: www.HealingTouch-MassageTherapy.com

719-216-4421 off

Healing Touch

off

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

719-216-4421

Good Thru August 31, 2009

First time use only please

Available at The Winter-Helmich Gallery

$15.95 each volume

Start reading now and look forward to an evening with Tom Shanley - author, adventurer and storyteller.

Thursday, September 17, 2009 5:00 p.m. - 8:00 p.m.

47 Third Street, Monument, Colorado

Call Diet Center® for a free consultation (719 488-3564) and let us show you how being at your goal weight doesn’t cost, it saves.

Healing Touch Therapeutic Massage

off

In September of 2005, Tom Shanley and my husband Donovan Anderson embarked on a historical journey through Mongolia where Tom began his research for this novel. Led by a special team of educators, historians, archeologists and translators, they traced the early years of Temujin that ultimately led to his ascent as the supreme leader. They were completely immersed in a Mongolian lifestyle that remains almost unchanged since the time of Chinggis Khan. Tom returned to Mongolia several times to complete his research and development of this remarkable novel.

(I promise I won’t serve airag!)

THE COLORADO SPRINGS DIVERSITY FORUM IS PRESENTING A WORKSHOP, “10 KEY ELEMENTS OF BUILDING A SUSTAINABLE DIVERSITY PROGRAM.” Tuesday, September 22 1 - 2:30 p.m.

It will be held in the Cuchara Room, Memorial Health System Administrative Center, 2420 E. Pikes Peak, Colorado Springs, CO , and hosted by Bill Anstee, Senior Director of Diversity for the Healthcare Market Segment, Sodexo Biography: Presenter Biography Bill Anstee, Senior Director of Diversity for the Healthcare Market Segment has been with Sodexho and its affiliates for more than 20 years. Anstee’s career has spanned all of the company’s divisions and includes operations, human resources, recruiting, and diversity work. As Senior Director of Diversity, he is responsible for creating and implementing various diversity related strategies and ensuring

TRI-LAKES & GLENEAGLE WELCOMING

off

Relieve your Pain and Call Today!!!

Specializing in

Deep Tissue Swedish Massage!

19

the Healthcare diversity strategy coincides with the overall corporate program. He is a member of The Pennsylvania State University’s College of Human Development Diversity Board and is active in the National Society of Minorities in Hospitality recruiting programs for the company. Anstee is an inaugural board member of the Asian Health Care Leaders Association. He has also served on The Tressler Lutheran Services Board, Widner University Advisory Board, Delaware State University Hospitality Board, and has been active with the HBCU Consortium and The United Way’s Loaned Executive program. Anstee holds a bachelor’s degree from The Pennsylvania State University in Hotel, Restaurant, and Institutional Management and a minor in Individual Family Studies and Counseling.

Cost: FREE

Barbara Oakley 719-488-2119 PO Box 863 Monument, CO 80132

SNIPPETZ : THE LOCAL SCOOP ®

S e n s e ior Allia k a L i r T n e c h e T

REOPENS ITS IMPROVED The Tri-Lakes Senior Alliance reopens its improved THRIFT STORE

Thrift Store

Tuesday through Saturday 10:00 am – 4:00 pm (719)Saturday, 488-3495 Tuesday through 10:00 am–4:00 pm

719-488-3495

For information, to volunteer, or to donate items, call the store during business hours.

Proceeds benefit the Senior Citizen For information, to volunteer, or toTri-Lakes donate items, call the store Program during business hours.

Proceeds benefit the Tri-Lakes Senior Citizen Program

INCREDIBLE SAVINGS ON THINGS YOU NEED (OR WANT!) SPORTING GOODS Bicycles, skis, heaters, coolers, golf clubs, camp chairs, Sportingback Goods – Bicycles, skis, heaters, coolers, packs, roller skates

TOOLS (orhack want)saws, hand trucks, Car jacks, sander, wrenches, tire chains, snow shovels, tool boxes

Incredible savings on things you need

.

trucks, tire chains, snow shovels, tool boxes Furnishings - Chandeliers, ceiling fans, table FURNISHINGS floor lamps, knick-knacks, baskets, lamps, Chandeliers, ceiling fans, table lamps, floortables, lamps, knick-knacks, baskets, pictures, suit cases tables, pictures, suit cases Books – Over 2,000 paper-backs, hard-backs, BOOKS subjects collector books – All

golf clubs, camp chairs, back packs, roller skates FURNITURE Furniture – Desks, entertainment centers, file Desks, entertainment centers, coffee tables, beds, collectibles, cabinets,coffee file cabinets, tables,rocker, rocker, beds, collectibles Appliances – Kitchen stove & oven, microwaves, , bread makers, juicers, clocks, clockvacuum cleanerAPPLIANCES Over 2,000 paper-backs, hard-backs, collector Kitchen stove & oven, microwaves, vacuum cleaner, radios,makers, juicers, clocks, clock-radios books – All subjects bread Note: We can not accept electronics, clothes, shoes, Children Items – Toys, games, bicycles, backpurses, or child’s car seats.

NOTE: packs, strollers, portable crib, CHILDREN ITEMS We can not accept electronics, Toys, games, bicycles, back-packs, strollers, clothes, shoes, purses Tools – Car jacks, sander, wrenches, hack saws, hand portable crib

or child’s car seats.

Tri-Senior Alliance Thrift Store

Unit No. 9 behind the West End Center 755 Highway 105 Palmer Lake, Colorado 488-3495

20

SNIPPETZ : THE LOCAL SCOOP ®

PYRAMID

For Sale by Owner: 880 Beacon Lite #3 Ready to move in tomorrow!

ROOFING

Fresh, light and welcoming!

Completely painted with new neutral carpet & ceramic tile x x x x x x x

x

YOU MAY HAVE

3 br/2 ba; 1404 sq. ft.

New ref. w. icemaker DW, washer & dryer Skylights in kitchen & baths 2 lockable storage sheds Large front deck Master bath has garden tub, shower, double sinks Walk-in closet in Master

ROOF DAMAGE

FROM HAIL OR WIND! We specialize in handling wind and hail insurance claims and work with ALL insurance companies

Priced at only $44,500.

Possible bank financing with approved credit. Owner may carry with 25% down & approved credit. To see, phone:

• New Roofs

488-0986

• Roof Repairs

HOMEWORK HELP CLUB IS LAUNCHED!

M

ountain Community Mennonite Church (MCMC) and Monument Community Presbyterian Church (MCPC) are excited about the start of our new tutoring program called the Homework Help Club (HCC). This program initially will be for grades 2-10th grade, individually and in small groups, on Monday and Thursday evenings from 6:30 – 7:30 p.m. beginning September 21st. As the program grows, we plan to divide the grade levels accordingly and evaluate whether extended hours or additional evenings are warranted.

Monument Community Presbyterian Church has had a tutoring program one night a week in the past and we are combining our efforts, expertise, and volunteers. The Flying Colors program will be merged into the HCC. We are looking forward together with excitement and appreciation to MCPC. The Homework Help Club is located at the Mountain Community Mennonite Church at 375 Hwy 105, Palmer Lake, approximately one mile west from I-25.

We have received a grant to fund our program and have acquired computers.

We are not seeking financial assistance at this time.

We need assistance in getting the

• Gutters and Siding

word out of this free service. If you have a child or know of any child that would benefit from the HCC, please call Mountain Community Mennonite Church at 481-3155.

Our current volunteer staff includes present and past teachers of all grade levels and other dedicated adults. We do perform background checks on all volunteers.

We are anticipating our program will grow quickly and be in need of more volunteers than our group can provide.

If you enjoy working with children, have past teaching experience, can listen to a child read, can help a child with flashcards or spelling words, we would appreciate your help. Please call Mountain Community Mennonite Church at 481-3155.

Volunteer commitments can be arranged to meet your desires and schedule.

Volunteer Orientation will be September 10, 2009 at 6:30 at MCMC. Please call to indicate you will be present. If you are unable to attend the orientation and would like to volunteer, again please call and we will arrange a time that is convenient for you.

• Residential and Commercial

Licensed & Insured

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250 OFF

of COMPLETE ROOF REPLACEMENT

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(719) 375-8055

Terri Inloes 481-2973 Teresa Barnes 488-0029 Chris Bailey 481-1579

21

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

1. GEOGRAPHY: The island of Jersey is part of which larger group of islands?

Sports Quiz

By Chris Richcreek

10. LITERATURE: What is an onomatopoeia?

1. Who was the last player to lead the American League in hits, runs and total bases for a season?

2. For each of three seasons (1991-93), Atlanta Braves pitcher Tom Glavine shared the National League lead for victories with another pitcher. Name the other pitchers.

3. Who holds the NFL record for most interceptions thrown by a quarterback in a season?

4. How many consecutive seasons has the Utah State men’s basketball team won at least 23 games and gone to a postseason tournament?

5. Two NHL players are tied with the most 50-goal seasons (nine).

Name them.

6. Name the only current NASCAR Cup track where Jeff Gordon has not won a race.

7. Who was the last reigning Wimbledon’s men’s singles tennis champion not to attempt to defend his crown before Rafael Nadal in 2009?

(c) 2009 King Features Synd., Inc.

(c) 2009 King Features Synd., Inc.

2. RELIGION: Who is the patron saint for mountain climbers?

3. PSYCHOLOGY: Someone who has tonitrophobia might be terrified during a storm. What kind of fear would this phobia sufferer have?

4. TOYS: What was the name of the British version of America’s “G.I. Joe”?

5. LITERATURE: Who wrote the novel “The Quiet American”?

6. MYTHOLOGY: In Greek mythology, who slew the Minotaur?

7. MUSIC: “The Last Waltz” was a documentary of the final concert of which rock group?

8. MOVIES: What is the only animal that Jim Carrey’s “Ace Ventura” character is afraid of?

9. GENERAL KNOWLEDGE: What is considered to be the largest library in the world?

1. Which Aretha Franklin song has the title spelled in the lyrics? Name the year the song came out.

2. Who was “You’re So Vain” written about?

3. Which group sang “We’re an American Band” and when?

4. Name the singer who was at one time with the group Culture Club. (Hint: He just got out of prison, where he served time for assault.)

5. How did Guns N’ Roses get its name?

6. Who sang “Before I Let You Go”? (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 (23).

New DVD Releases for Week of September 7, 2009 PICKS OF THE WEEK “Crank 2: High Voltage” -- When it comes to choosing the greatest action star of this decade, some may argue in favor of Muay Thai expert Tony “Ong Bak” Jaa (“Oh, look at me, I can knock out an elephant with one kick”), but for my money, poundfor-pound, the undisputed champ of action flicks is Jason Statham.

Statham’s movies are so vulgar, the vio-

lence so ridiculously over-the-top, that I just sit there, mouth agape, wondering what combination of alcohol, crystal meth and presumably some form of fish paralyzer the writers were on when they came up with some of this stuff.

Which brings us to “Crank 2: High Voltage,” the super-charged sequel to 2006’s “Crank.” The film begins where the previous movie ended, with Chev Chelios (Statham) falling out of a helicopter to his death. Or so we were led to believe. Chelios wakes up to find himself surrounded

by Chinese doctors, and they’re performing open-heart surgery on him -- while he watches! The Chinese surgeon puts out a cigarette on Chev’s heart and then installs an artificial heart runs on power supplied by a battery belt.

When Chev wakes up again, he finds out that the Chinese gangster buddies of the dude he killed in the first movie are plan-

ning to harvest his organs; so Chev escapes and goes on the hunt to find his heart.

Problem is, he needs to keep the batteries charged or his artificial heart will stop.

“Important Things With Demetri Martin” Season One -- This is one of the more entertaining shows to come out of Comedy Central in a long time. Using a mix of stand-up and sketches, Demetri Martin uses his gentle, silly and almost child-like view of the world to tackle such Universal Themes as ... chairs and games and other stuff.

“The Office” Season 5 -- “The Office” is one of those shows (like “30 Rock”) that I never watch when it’s on the TV. I wait till the entire season comes out and then hunker down for a weekend and watch the entire season in one go. So, I can’t tell you about this set because I haven’t seen it yet.

22

No spoilers, people!

TV SERIES “Parks & Recreation” Season One “Fringe” The Complete First Season “Worst Week” The Complete Series “The No. 1 Ladies’ Detective Agency” The Complete First Season “Criminal Minds” The Complete Fourth Season “Harper’s Island” The DVD Edition “Mr. Belvedere” Season Three “One Foot in the Grave” The Complete Series (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 still might want to do more investigating before taking on a new commitment. Later would not be the time to try to fill in any crucial gaps in what you need to know about it.

1. Channel Islands 2. St. Bernard 3. Fear of thunder 4. Action Man 5. Graham Greene 6. Theseus 7. The Band 8. Bats 9. The Library of Congress 10. The imitation of natural sounds by words, like “meow” or “roar.”

SEPTEMBER 7, 2009

SPORTS QUIZ ANSWERS 1. Carl Yastrzemski in 1967.

2. John Smiley (20 wins, 1991), Greg Maddux (20, 1992) and John Burkett (22, 1993).

3. George Blanda had 42 interceptions in 1962.

4. Ten consecutive seasons (1999-2000 through 2008-09).

5. Wayne Gretzky and Mike Bossy.

6. Homestead-Miami.

7. Goran Ivanisevic in 2002.

FLASH BACK ANSWERS 1. “Respect” became a hit for Franklin in 1967, but it was originally done by Otis Redding in 1965.

2. Writer and singer Carly Simon has never publicly revealed who she wrote it about, but the man’s name supposedly contains the letters “A,” “E” and “R.” 3. Grand Funk Railroad in 1973.

4. Boy George, born George Alan O’Dowd. He’ll be wearing an ankle bracelet for a while.

5. They took the names of the bands Hollywood Rose and L.A. Guns when members of the two groups combined into one.

6. R&B group BLACKstreet, on its 1994 debut album of the same name. The album also included “Booti Call” and “No Diggity.”

ARIES (March 21 to April 19) Changing your mind doesn’t come easily for Lambs, who place a high value on commitment.

But new facts could emerge that might persuade you to rethink your situation.

TAURUS (April 20 to May 20) This is a good time to put that fine Bovine’s eye for beauty to work in redecorating your home or workplace. And don’t forget to indulge yourself in some personal time as well.

GEMINI (May 21 to June 20) Your sense of loyalty to someone who asks for your help is commendable. But make sure there are no information gaps that should be filled in before you move too far too quickly.

CANCER (June 21 to July 22) Don’t let difficult people raise the Crab’s ire levels this week. Avoid them if you can. If not, resist telling them off, even if you think they deserve it. Things improve by week’s end.

LEO (July 23 to August 22) Your suspicions about a colleague might be on the mark. But you also could be misreading the signals you believe you’re getting. Do some discreet checking before jumping to conclusions.

VIRGO (August 23 to September 22) Take some time out from your many tasks and see if someone might be trying to reach out to you. You could be surprised to learn who it is and why you might want to reciprocate.

23

SCORPIO (October 23 to November 21) A new opportunity should be carefully studied. It might offer some of the things you’ve been looking for. Or it could contain new possibilities you never considered. Check it out.

SAGITTARIUS (November 22 to December 21) You might have to work harder this week to get people to listen to what you have to say. But if you stay with it, you could start to get your message out to many by the week’s end.

CAPRICORN (December 22 to January 19) Although family matters again take up a big chunk of the Goat’s time, the week also offers a chance to explore a new career move you’d been contemplating for a while.

AQUARIUS (January 20 to February 18) Applying your practicality (what does it offer me?) and your creativity (how can I improve on it?) could provide sound reasons for seriously considering that new offer.

PISCES (February 19 to March 20) The single set will find that keeping their romantic aspirations on high gives Cupid a better target to aim at. Paired Pisces will find that this week helps reinforce their relationships.

BORN THIS WEEK: You believe in encouraging others to demand the best from themselves. You would be a fine sports coach, as well as an enlightened teacher.

(c) 2009 King Features Synd., Inc.

SNIPPETZ® BUSINESS AND FINANCE

FINANCIAL FOCUS

A SEMINAR FOR EVERYONE WHO

KEEP YOUR

ISN’T A FAN OF TAXES

MONEY WORKING

You’re Invited ...

HARD FOR YOU

Tax time doesn’t have to be something you dread. When you own tax-free investments, you get to keep more of what you earn instead of signing it over to the IRS.

Provided by Adam Grayson of EdwardJones Investments

To learn how certain investments can deliver tax-free income and possibly keep you in a lower tax bracket, join us for our free Tax-free Investing seminar. It’s your opportunity to find bonds and funds designed to help you get ahead without the government holding you back.

L

abor Day is upon us. We honor the contributions of working men and women — in other words, people just like you. Of course, it doesn’t have to be Labor Day for you to be aware that you work hard for your money — and you’d like to know that your money is working just as hard for you.

These bonds and funds may be subject to state, local or the alternative minimum tax (AMT).

Prospectuses are available for any of the mutual funds offered. The prospectus contains more complete information including fees, charges and expenses as well as other important information that should be carefully considered. Your financial advisor can provide you with a prospectus which should be read carefully before you invest or send money.

How can you keep your money employed?

Consider these suggestions: Keep your money working for the future.

The financial markets have been through some difficult times over the past two years. As a result, many people pulled money from their investments and stuck it in savings accounts — some of which paid around one percent interest — or Treasury securities —, which may have paid even less. While the need to feel “secure” is understandable, it can also be detrimental to long-term financial goals, such as a comfortable retirement.

To help achieve these goals, try to own an array of quality investments that are appropriate for your specific objectives, risk tolerance and time horizon.

Seating is limited, so reserve your place today.

Refreshment Dinner will beoptions served.

Date ................. Tuesday, September 29, 2009 Time ................. 6 p.m.

Location....... Bella Panini Restaurant, Palmer Lake, CO

Adam R Grayson Financial Advisor .

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

www.edwardjones.com

Member SIPC

Don’t interrupt your money while it’s working. You want your investments working to help you achieve your long-term goals. But this work can be interrupted by short-term needs, such as expensive car repairs, large doctor’s bills or costly new appliances. To avoid dipping into your investments — and thereby reducing their growth potential — to pay for these needs, you’ll want to establish an emergency fund containing six to 12 months’ worth of living expenses, kept in a liquid account. Also,

IT’S TIME TO MAKE THE WORLD

A BETTER PLACE TO DRIVE.

Have your money work for you — not your creditors. Too much debt — specifically, too much of the wrong types of debt — is both a cause and a consequence of the economic malaise we’ve experienced.

Try to reduce or consolidate your debts.

For example, despite all the talk about a “credit freeze,” many reputable lenders are eager to help qualified borrowers refinance their mortgages. And since mortgage rates are still low, a refinance could free up hundreds of dollars per month for you — money that you could put to work investing for your long-term goals.

Make it easier for your money to work harder. By making these moves, you can help your money work harder for you.

For starters, defer enough of your salary into your 401(k) or other employersponsored retirement plan to earn the employer’s match, if one is offered.

Here’s another step to consider: Reinvest any dividends you may receive from your investments back into those investments.

You probably won’t miss the money because you never actually had it in your pocket, and by automatically reinvesting dividends, you’ll increase the number of shares you own.

Labor Day can be an enjoyable respite for you — but try not to let your money take a day off.

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

THE LOCAL WAY TO GIVE BLOOD

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

719.481.4740 Joslin Nagle

1850 Woodmoor Dr., Ste. 105 Monument JoslinNagle@allstate.com

O

n Tuesday, September 15 from 3-7 p.m., the Tri-Lakes Health Advocacy Partnership (HAP) is sponsoring a Tri-Lakes Community Blood Drive. It will be at Tri-Lakes Cares on 235 Jefferson Street in Monument. “We wanted to provide a close, convenient way for this area’s residents to donate blood” says Jackie Sward, RN, HAP’s Faith Community Nurse. “There is a constant need to replenish the blood supply in order to save lives.”

Feature is optional and subject to terms and conditions. Available in select states now and in most states by 1/31/06 (subject to regulatory approval where required).Allstate Fire and Casualty Insurance Company: Northbrook, IL. © 2007 Allstate Insurance Company

“Your Lender Next Door”

NEED CASH? NEED FINANCIAL FREEDOM? NEED RATE STABILITY? CALL US TODAY FOR YOUR FREE LOAN ANALYSIS

if you know you’re going to need a large amount of money within the next few years — perhaps for college tuition, a wedding or a long vacation — you may want to remove some of your investments from the ups-and-downs of the financial markets and place the money in vehicles that can protect your principal.

Proudly Serving the Tri-Lakes Area and Colorado Springs

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

Every minute of every day, someone needs blood. That blood can only come from a volunteer donor, a

24

person like you who makes the choice to donate. When you make a blood donation, you join a very select group. According to the American Red Cross, only 3 out of every 100 people in America donate blood.

Please join a group of dedicated citizens and take the time to donate.

You don’t need an appointment... just walk in. The blood drives will take place every eight weeks. The last blood drive in 2009 will be Tuesday, November 17 and they will continue throughout next year. For more information, please call Jackie Sward, RN, 481-4864, x23

®

SNIPPETZ BUSINESS AND FINANCE to completing a form will.

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

THE LAW ACCORDING TO STEVENS

by Lisa Welch Stevens, Attorney at Law P.C.

PROBATE IN COLORADO: NOT NECESSARILY TO BE FEARED © February, 2008, Lisa Welch Stevens, Esq.

O

ne consequence of the fact that some residents of El Paso County are originally from out of state is that many believe that probate is to be avoided at all costs, as being time-consuming and extremely expensive. Many then expend a great deal of money on elaborate estate planning devices in order to avoid probate. However, unless one is among the very small percentage of individuals with a fairly large estate, such devices may be, from a purely practical point of view, unnecessary, and may in fact cost more than the actual costs of probating an estate under a standard will or will and trust arrangement.

In Colorado, probate may be either formal or informal. If a decedent has executed a formal, “selfproved” will, their estate may be probated through the informal process. Pursuant to Colorado Revised Statutes §15-11-504, a self-proved will is a will that includes certain acknowledgments by the testator (the person whose will it is), and affidavits of at least two witnesses, made before a notary public and certified by that notary public under his or her seal, substantially in the form set forth in that statute.

If a will is drafted by and executed under the supervision of a licensed Colorado attorney, it will undoubtedly meet all the requirements necessary to be self-proving. Form wills used to not be recognized at all under Colorado law; today they are, but they are likely not to be self-proving. In addition, they are usually based upon the laws of states other than Colorado, and may not meet Colorado statutory requirements. If an individual does not wish to retain an attorney to draft a self-proved will, a fully-handwritten, properly executed and witnessed “holographic” will may actually be a better alternative

LOAN MODIFICATIONS HELP OWNERS KEEP HOMES

I

f you’re having trouble keeping up with your mortgage payments, the Home Affordable Modification Program might be able to help.

HAMP was designed to help millions of homeowners keep their homes by lowering the mortgage payment. Billions of dollars were earmarked and nearly 40 “mortgage servicer” companies, or middlemen, signed up to participate. They cover the vast majority of mortgage loans in the country.

However, HAMP, which was started in March 2009, hasn’t made much progress in helping homeowners.

The Treasury Department’s first monthly report on the program showed that only a small percent of eli-

gible homeowners have had any relief.

Part of the blame for the poor showing in modifying those millions of eligible loans falls on the homeowners. Delays in taking action, wishful thinking, lack of knowledge about the programs and frustration over the many required steps have kept too many homeowners from applying.

Here are some of the requirements: • Your existing loan must have been taken out prior to January 1, 2009.

• You could be eligible for loan modification if your mortgage payment (including principal, interest, taxes, insurance and homeowner’s association dues) is more than 31 percent of your gross monthly income.

• You must live in the home as your principal place of residence.

• You must pass a hardship test and indicate why you need help.

You’ll next need to complete a Trial Modification: prove that you can make the new reduced payments for three months. If you’re in default or bankruptcy, or even if foreclosure has been started, you likely can

25

Informal probate can be handled by most educated, reasonably intelligent individuals themselves, using forms and instructions available at the website of the Colorado State Judicial Branch, http://www.courts. state.co.us/, avoiding any attorney’s fees or any costs other than the filing fees with the probate court for the county in which the decedent was resident at the time of his death. Currently, the filing fee is only $149.00, with an additional fee of $15.00 for lodging the original will with the court. Unlike other states, the State of Colorado does not charge a percentage of the total value of the probate estate as its fee. In addition, for certain “small estates”, the fee can be even lower.

In informal probate, the will is lodged with the probate court, together with an original, certified copy of the death certificate of the decedent. A petition form for Informal Probate and Appointment of Personal Representative is filled out and filed, together with form “orders” granting the informal probate and appointing the personal representative and renunciations by any other individuals with a legal claim to be named personal representative, and Letters Testamentary are issued authorizing the personal representative to act on behalf of the decedent’s estate. After that, once the estate has been distributed and its creditors notified and satisfied, forms are completed and filed to close the estate.

If the decedent left no formal, “self-proved” will, formal testacy proceedings (“formal probate”) may be necessary to determine whether the decedent did in fact leave a legally valid will. Formal testacy proceedings are a type of litigation, and can be extremely difficult to prosecute without the assistance of an attorney, with the consequent legal fees for that assistance.

This is intended as only an extremely brief overview, in order to correct misconceptions that probate in Colorado is something to be feared and avoided at all costs. The actual factual circumstances of any individual’s circumstances may differ from the norm, and this information may not necessarily be applicable to any given individual in particular. Please consult your attorney regarding your particular situation.

This article is not intended to offer legal advice, but for general informational purposes only.

For additional information contact, Lisa Welch Stevens, Attorney at Law P.C. Representing Colorado Businesses and Business Owners 719.488.9395

be helped, as the foreclosure will be suspended during the trial modification.

For more information, go online to the Making Home Affordable site [makinghomeaffordable.gov]. It also has a list of mortgage servicers for the Home Affordable Modification program. Check to see if yours is on the list.

If you need help, it’s there. The process can be irritating and long, but in the end you could keep your house and enjoy a stable interest rate.

If you’ve missed one or more payments, but don’t qualify for HAMP, you can talk for free to a HUD counselor at 1-888-995-HOPE (4673) to explore your other options. If a company insists that you pay a fee for loan modification counseling, it could be a scam.

David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 328536475, or send e-mail to columnreply@gmail.com. (c) 2009 King Features Synd., Inc.

®

SNIPPETZ BUSINESS AND FINANCE

4UESDAY 3EPTEMBER

-R "IGGS %VENT #ENTER -ARK $ABLING "LVD &ROM ) .ORTH OR 3OUTH TAKE EXIT 2OCKRIMMON EXIT AND TURN RIGHT .ORTH ONTO -ARK $ABLING -R "IGGS %VENT #ENTER IS LOCATED MILE ON THE RIGHT HAND SIDE

AM PM &YQP #VTJOFTT "GUFS )PVST QN

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7JTJU XXX USJMBLFTDIBNCFS DPN PS DBMM 26

SNIPPETZ NEW HOMES ®

IT’S ONLY A BUYERS MARKET IF YOU BUY! Stiltner Realty And MasterBilt Homes Offer A Home Buying Experience Unlike Any Other You’ve Ever Experienced MasterBilt Homes, Inc. For Your

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THE SANCTUARY AT GREENLAND PRESERVE

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tour of open homes THE TREASURE FALLS at GREENLAND PRESERVE

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features....

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USE OUR FINE TRADE PARTNERS FOR YOUR CONSTRUCTION AND REMODELING NEEDS Visit us at FIRST RATE www.masterbilt.com ELECTRICAL SERVICES, INC. or call 719.964.3526 email: jimstiltner@msn.com

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SNIPPETZ REAL ESTATE 05209_bw LOGO SHELL 112807.FH11 ®

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Luxury Living in Woodmoor !

Tuscan Home in Wissler Ranch!

6 Bedroom 4 Bath 3 Car Garage Large Corner Lot; Incredible Views of Pikes Peak from Master Bedroom! Walk to Woodmoor Country Club; Gas Log Frplc; Radiant Floor Heat; Crown Molding; 6 Panel Solid Doors; Pella Windows; Hardwood Floors; Granite Countertops; Jetted Tub; Wet Bar; Hot Tub; Auto Sprinklers

5 Bedroom 5 Bath 3 Car Garage 3 Acres; Private Forest Setting; '98 Parade of Homes Winner; Huge Stone Frplc Wall; 2 Story Wood Beam Clngs; Butternut Woodwork; Granite & Stone tile; Romantic Master Suite w/ Private Sitting area & Frplc; Jetted Tub; WalkOut Bsmnt; Family Rm w/ Frplc & Wet Bar; Workout Rm/ Theater; A/C; Alarm

$540,000 www.19450indian.com

Woodmoor 2-Story $375,000 5/4/2, 3,588 sq. ft, Backs to open Space!

Erindale Rancher

$412,750

4/3/2, 3,047 sq ft, Immaculate & Private

$739,900 www.20175wissler.com

First Time Home Buyers!

Call me to find out how you can receive up to $8000 from the government just for buying a Home before December ‘09!

Forest View Estates $649,000

Shiloh Pines $675,000

Unbelieveable 5/5/7, 4,446 sq ft, 2.9 acres. Must See!

6/5/3, 6,300 sq. ft, Gorgeous cul-de-sac lot near NF!

Jackson Creek 2-Story $469,900

Robyn Graham CDPE, ABR, GRI, QSC, CLHMS, CDPE

4/4/3, 4,217’ Upgrades Galore!

719-216-4421

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Briargate 2-Story $279,900 4/3/2, 3,171 sq ft, Great Yard & Location

Composite

This means making payments regularly and on time.

Shop around for Loan Rates Not all Lenders offer the same programs. Some great places to start are the bank where you have your checking and savings, the bank where you have your car loan, and local and big name banks and brokers in your home town.

Avoid the on-line lenders, and I'll tell you why. You don't have a "person" you are dealing with when going to an online lender. More times than not, you are left frustrated and hanging at the last minute at the closing table with no one on the on-line 800# that acts like they know who you are and what is going on. Trust me on this one.

Article by Robyn Graham Keller Williams Real Estate, LLC

How to Get a Low Home Loan Rate Monitor your Credit Score The best rates go to borrowers with FICO Credit Scores of 720 or higher, who have been with the same employer for at least two years, and have money for a down payment. For example, if a $100,000 30 year loan costs a consumer with a 750 to 850 FICO Score only 4.77% and $523 per month, a consumer with a 620 to 639 FICO Score will pay 6.36%

and $623 per month for the exact same loan.

The reason for the difference in payment amount is that a consumer with a 780 FICO Score has the odds of 576 to 1 that they will become 90 days delinquent on their loan, and a consumer with a 585 FICO Score has the odds of 2 to 1 that they will become 90 days delinquent.

If your credit rating is low, work to raise your credit score before applying for a loan.

Comparing Apples to Apples ALWAYS get a Good Faith Estimate from the lenders you are interviewing. Application fees, processing fees, etc. have to be disclosed on this document. One lender may give you a better rate, but charge points and fees that

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make your payment higher than another lender who charges a higher rate.

To Pay Points, or Not to Pay Points?

Paying an origination fee or points upfront can result in a lower mortgage rate. However, you'd still need to do the math to see if it's worth it in the long term. If you don't plan on staying in the house for more than a few years, paying points might end up costing you.

Provide a Down Payment With a higher down payment, of course you end up borrowing less money. For those who want to keep their debt low, why not add an extra several thousand dollars to your down payment? It will save you quite a lot of money in interest fees over the life of your mortgage.

For further information, please feel free to call Robyn Graham at Keller Williams Real Estate 719-216-4421 or email Homes@RobynGraham.com