Snippetz Issue 428

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SNIPPETZ GETS THE SKINNY ON FAD DIETS

by Deborah Stumpf

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ISSUE 428 • JANUARY 11, 2010 FIRST NATIONAL BANK MONUMENT

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“The only time to eat diet food is while you’re waiting for the steak to cook” -Julia Child

A

tkins, South Beach, the Zone, Scarsdale, the Grapefruit Diet … promises, promises, promises.

Fad diets – restricting certain foods and/or focusing on certain foods – has been around for centuries. Legend has it that William the Conqueror devised an alcohol-only diet in 1087. He died a year later after falling off his horse. Apparently the diet didn’t work since folks had to painstakingly try to find a casket to fit him.

SOME OLDIES WITHOUT GOODIES In 1829, Sylvester Graham, a minister, came up with the Graham Diet: caffeine-free drinks and vegetarian foods, supplemented with graham crackers.

In 1903, Horace Fletcher, a self-subscribed nutritionist, touted the best weight loss program as chewing one’s food at least 32 times.

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The Grapefruit Diet came along in the 1920s.

Take off Pounds Sensibly (TOPS), the first national weight loss program, began in 1948 – and is still strong today. Weight loss programs differ from fad diets in that the catch word here is “sensibly.”

In the 1960s, Dr. Herman Taller insisted that his Calories Don’t Count Diet dropped weight in no time – eat all the foods you want, just chase it with vegetable oil.

Larry E Stiltner Agency 481 Hwy 105 Suite 212 481-8382 Larry E(719) Stiltner AgencyBus Monument, 481 Hwy 105 SuiteCO 21280132 In the 1970s, there was the Last Chance Diet. It was (719) 481-8382 Bus ©1997 American Family Mutual Insurance Company and its Subsidiaries Monument, CO 80132 Home Office – Madison, WI 53783 all about fasts and liquid protein drinks. Rumor has www.amfam.com ©1997 American Family Mutual Insurance Company and its Subsidiaries NA-07497 Rev. 1/03 Home Office – Madison, WI 53783 www.amfam.com NA-07497 Rev. 1/03

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it there were 58 deaths linked to this diet or spinoffs of the diet.

Fad Diets ... Continued on Page 2

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SNIPPETZ GETS THE SKINNY ON FAD DIETS

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Fad Diets ... Continued from Page 1

MOST WHACKY FAD DIETS

Every fad diet has a gimmick, whether it promotes a carbohydrate-free regimen or eating biblical foods – the Hallelujah Diet encourages people to only eat foods, such as fruits and nuts, mentioned in Genesis 1.29.

There are so many fad diets out there, with new ones popping up all the time, that makes counting calories seem like a no-brainer compared to counting fad diets.

Some of them are downright ridiculous and hazardous to one’s health.

The whole diet industry has been “shrouded in myths and fairy tales since time immemorial as people argue over what is good for you,” said British professor Chris Hawkey.

TAKING THE FAT TO THE BANK… OR THAT’S THE WAY THE COOKIE CRUMBLES What’s good for you is arguable, but inarguable is the fact that the fad diet industry has made billions off those seeking a supposedly sure-fire, quick way to shed pounds.

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Dr. Sanford Siegel, who has specialty weight-loss clinics in Florida and one in Canada, made $12 million last year pushing his “Cookie Diet,” according to the New York Times. We’re not exactly talking Oreos or Mrs. Fields’ chocolate chip cookies. Siegel’s recipe is made up of oats, rice, whole wheat and bran – and only known to him and his wife. Followers purchase the cookies and lose weight by eating just one meal a day, supplemented with the six cookies throughout the day. Famous songsters Jennifer Hudson and Kelly Clarkson have helped secure those millions by endorsing the Cookie Diet.

Siegel expects to rake in $18 million in revenues for 2009.

The popularity of the Cookie Diet has spawned other cookie diets. Smart for Life sells a 35-day diet kit for $297, including six 105-calorie cookies a day. The Hollywood Cookie Diet consists of four 150-calorie cookies spread throughout each day (and a light dinner) – a box of cookies costs up to $20. Soypal Cookies is a popular Japanese cookie diet – only 22 calories each and $49 a box.

Smart for Life anticipates gross revenues of $82 to $95 million this year, up from $30 million in 2008. And the Hollywood Cookie Diet has grown 50 percent since it was cooked up three years ago.

In 2005, it was estimated that out of the 55 million Americans who went on a diet program, only 5 to 10 percent succeeded. But the diet industry has added a lot of weight to its bank account. In 2006, revenues were estimated to top $48 billion. Some say that today the industry is worth someone’s weight in gold – at $60 billion.

According to TNS Media Intelligence, three of the big hitters in the weight loss industry spent almost a half billion on TV and print advertising in 2008.

Check out some of these crazy but still popular diet fads.

The Cabbage Diet The promise: Lose 7 lbs. in seven days. Cabbage soup is the key to this diet. The recipe includes cabbage and a variety of vegetables flavored with broth, onion soup mix and tomato juice. The soup can be eaten any time, but other foods are restricted through a seven-day plan.

For example, day 1 eat only fruit, except a banana. Day 2 is all you want of fresh, raw or cooked veggies. No fruit. On Day 4 one can eat as many as eight bananas (and lose more weight by swinging from tree to tree).

And so on.

The Lemonade Diet The promise: Lose 8 lbs. in 10 days. This is a simple diet to follow. Just drink lemonade, and eat nothing.

But the lemonade is not the tasty, sugary summer thirst quencher we’re used to. The recipe for this lemonade calls for 2 oz. of fresh squeezed lemon, 2 oz. of maple syrup (organic is best), ¼ tsp. of cayenne pepper and 2 cups of water. Drink about 160 oz. per day. Yum. Along with the weight loss, you lose all of your energy.

But the energy is regained when food is reintroduced.

Be prepared to gain back all of the weight once food becomes a regular habit again. But, this “lemon” of a diet is supposed to increase one’s desire for healthy foods.

The Russian Air Force Diet Think of a Russian prison.

The promise: Follow this one for seven days and lose up to 18 lbs. in 13 days. Never eat more than 800 calories a day. Breakfast is a piece of toast and coffee, except the fifth day they allow 5 oz. of ham and carrots. Lunches and dinners are comprised of red meat, boiled eggs and boiled fish and small servings of vegetables or fruits.

Question: How do you follow this one for seven days and lose 18 lbs. in 13 days?

The 3-Day Diet The promise: Lose 10 lbs. in three days. This ultimate weight loss, fad diet is based on a combination of foods that are supposed to create a metabolic reaction to boost the fat-burning process. Introduced in 1985, this magi-

Fad Diets ... Continued on Page 3

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cal mixture has never been proven scientifically. It’s highly regimented – one morsel of food over the recommended amount and all is lost – or gained.

Day 1breakfast consists of black coffee or tea with 1 to 2 packets of Sweet & Low or Equal, ½ grapefruit or juice and 1 piece of toast with 1 tbs. of peanut butter. Lunch is ½ cup tuna with toast and more black coffee with Equal. Dinner is 3 oz lean meat or chicken, 1 cup green beans and 1 cup carrots, 1 apple and 1 cup vanilla ice cream. Day 2 breakfast is the same coffee combo, toast, 1 egg and ½ banana. Lunch is 1 cup cottage cheese or tuna and 8 saltine crackers. Dinner: 2 beef franks (high class hot dogs), 1 cup broccoli or cabbage, ½ cup carrots, ½ banana, ½ cup vanilla ice cream. Day 3 is just as boring with a few variations like cheddar cheese and melon.

Interspersing the 3-day diet with normal eating routines gets results. Even if it’s candy bars and pecan pie on the fourth day?

The Tapeworm Diet The promise: You CAN get rid of the worm, eventually.

Did anyone say “eewww-gross?” Basically, the person swallows a cyst, which is removed with medications 10 days later. Until that time, the parasite eats up a portion of the calories consumed. Besides the fact that it’s disgusting, tapeworm sales are banned in the U.S., and hosting a parasite is dangerous to one’s health.

IF IT’S TOO GOOD TO BE TRUE… In 2002, the Federal Trade Commission sued Texasbased Mark Nutritionals, a company that created Body Solutions Evening Weight Formula. Using this formula, the company guaranteed weight loss while you sleep, without having to change daytime diet or exercise habits. Mark Nutritionals advertised its product on more than 650 radio stations in 110 U.S. cities, with more than 700 endorsements. For many, the idea of losing weight while sleeping was literally a dream come true.

The FTC successfully closed the company’s doors, but not before it made $155 million in the three years they operated.

10 MYTHS THAT FAD DIETS PROMOTE • Skipping meals helps to lose weight – NOT. Actually, it’s best to eat at least five small meals a day.

• Carbohydrates cause weight gain. High-protein diet advocates love these scare tactics. Carbs are the body’s source of energy/fuel. There are, however, good and bad carbs – fruits, veggies, whole grains and cereals are examples of good carbs. A lack of carbs causes irritability and sluggishness.

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THE “DO’S AND DON’TS” OF HEALTHY EATING

• Losing weight is a chore. In truth, fad diets are a chore. They deprive you of foods and are hard to maintain. Losing weight is about balanced eating and moderation.

• Fat-free foods are calorie free. In actuality, many of the low-fat products are loaded with sugar.

• Absolutely no snacks: With five meals a day, there may not be a need to snack. But those who eat three traditional meals need to eat healthy snacks in between.

A smart snack can thwart overeating and maintain energy levels.

• Fat is bad. Healthy fats or essential fatty acids are required for good health. Nuts and oily fish are examples of the good fat.

• Cholesterol is bad. Cholesterol is a fatty substance that is made by the liver. There is good and bad cholesterol. Saturated fats like meat, cheese, cream and butter raise the LDL (low density lipoprotein) – or bad cholesterol, which delivers the bad “stuff” to the arteries.

HDL (high density lipoprotein) is the good cholesterol, which drives cholesterol away from the arteries.

• Dairy products are fattening. Dairy foods contain the hormone calcitriol, which conserves calcium for strong bones.

It also sends a message to fat cells to convert less sugar to fat and burn more body fat.

• • • • • • • • • • • • • •

Don’t skip meals.

Do keep track of eating habits.

Do drink plenty of water.

Do delay eating – distract yourself.

Do exercise.

Don’t eat while watching TV, working, driving.

Do eat in certain settings (kitchen table).

Do watch portion sizes.

Don’t forbid a particular food.

Do give yourself encouragement.

Don’t beat yourself up when you lapse.

Do think of eating as a lifestyle change.

Don’t weigh in more than once a week.

Do make healthy food choices.

Bottom line for a slimmer bottom: Pushing yourself away from the table – equals exercise and control.

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

During this economic downturn, there is a silver lining. The cost of material goods is lower now than it has been for years. The cost for labor has also been reduced significantly. The result for residential homeowners is the cost of remodeling is at an all-time low. If you remodel during this window of opportunity, you will realize a huge return on your investment. When our economy turns around, as it has several times before, the old adage “Buy Low, Sell High” can really apply to the value that will be added to your home.

                                         

Here is a list of the local contractors who work together to help you with all of your residential home repair and general remodeling. Everyone is licensed and insured, and together, we have over 275 years experience. We all promise top-quality workmanship, warrantied materials and first-class customer service.

The place to turn for Shelter

CONSTRUCTION

Michael D. Ahlers

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

Seek Shelter Today!

• The katydid hears sounds through special holes in its hind legs.

ARROW HAWK HEATING

New Construction, Remodeling, Furnace Replacement and Repair.

PH: 719-488-1991

PAINTING CONCRETE

• After many years of success in Hollywood, actor, director and screenwriter David Arquette tried his hand at professional wrestling, becoming World Championship Wrestling’s World Heavyweight Champion in 2000.

• Benjamin Franklin advocated for the turkey to be our national bird rather than the eagle. He argued that the turkey was a “bird of courage,” while the eagle was of “bad moral character” and didn’t “get his living honestly.”

PRO-TECH ROOFING SYSTEMS & SEAMLESS GUTTER Locally owned, specializing in all types of roofing and gutter installation.

All of our work is covered by a five year workmanship warranty with satisfaction guaranteed. References at your request.

PH: 719-473-9554 • FAX: 719-473-9555 • Email: protech4csi@live.com

HAVENS S&P CONCRETE CO.

PHIL HAVENS Flatwork: Commercial • Residential • Decorative PH:/FAX: 719-264-7742 • CELL: 719-310-8866

OCEAN CONSTRUCTION

A Wave of Excellent Carpentry Richard Harding • Insured Independent Contractor PH: 719-243-4075

EAGLE PLASTERING INC.

Professional Integrator in Hard Coat Stucco Systems, Drywall, Masonry and High Performance EIFS for Sustainable Construction.

PH: 719-227-7533 • FAX: 719-227-7530 • SALES: 719-227-7533 EXT-8009

BLACK DIAMOND EXCAVATION LLC. Skid Loader Work, Grading, Landscaping, Trenching Post Holes, Boulder Walls, Driveways.

JIM • PH: 719-459-0391

EXCAVATION

PLASTER / DRYWALL

• It’s not widely known that iconic American author Mark Twain was also an actor -- albeit briefly. He played himself in the 1907 film “A Curious Dream.”

Specializing in Residential and Commercial Repaints & Drywall Repair and Texture Matching. Professional, Friendly Staff Ready to Serve Your Needs. Serving Southern Colorado Since 1995.

PH: 719-593-8148 • FAX: 719-593-9352 • Email: rgpdinc@msn.com

CONSTRUCTION

• The ubiquitous holiday tune “Jingle Bells” was written in 1857 by James L. Pierpont, music director of a Unitarian church. It was written for a Thanksgiving performance, though, not for Christmas. Interestingly, it became the first song broadcast from space on Dec. 16, 1965, when Gemini 6 astronauts Tom Stafford and Wally Schirra used a smuggled harmonica and sleigh bells in a rendition for Mis-

We have serviced the Tri-Lakes Community, El Paso Country and Douglas County for 33 years in residential and commercial electrical installation and repair. PH: 719-481-3557

ROOFING

• The original Colonel Sanders earned a grand total of 5 cents for every chicken sold in his early stores.

PH: 719-488-2738 • FAX: 719-488-1676

ROBERT GLEN PAINTING & DRYWALL INC.

• During Prohibition, a bootlegger was so called because many smugglers of illicit alcohol stored their liquor in flasks hidden in the upper part of their boots.

• It was British author Douglas Adams, best known for writing the science-fiction comedy series “The Hitchhiker’s Guide to the Galaxy,” who made the following sage observation: “Human beings, who are almost unique in having the ability to learn from the experience of others, are also remarkable for their apparent disinclination to do so.”

Installation And Repair Of Plumbing, Gas Lines, Hot Water Heat.

HEATING

sion Control.

Samantha Weaver

MJB PLUMBING & HEATING INC.

DUKES ELECTRIC

ELECTRICAL

www.shelterinsurance.com

TRI-LAKES BUILDING CO. INC.

Commercial contractor licensed and insured. Commercial and residential construction and remodeling. Fine cabinetry and door and drawer repair in our local shop. Established in 1977. PH: 719-481-2671

PLUMBING

Insurance protection for your auto, home, and life.

***

Our Schedules are filling up quickly.

Thought for the Day: “I never hated a man enough to give him his diamonds back.”

-- Zsa Zsa Gabor

CALL TODAY FOR AN APPOINTMENT!

(c) 2009 King Features Synd., Inc.

4

SNIPPETZ : STYLE & THE LOCAL SCOOP ®

HayCo L.L.C.

ASK US ABOUT We Bring the Showroom to You.® OUR FREE FINANCING!

Why run all over town?

366 Second St. Monument

For All Your Hay & Straw Needs!

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

719-487-7767 www.FlooringandDesignCenter.com

SmartStrand Carpetin: starting at $0.99sf Specializing Call today for your FREE Estimate Hardwood • Laminate • Vinyl

Specializing in Excellent Quality Horse Hay We Deliver

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

719-339-3525

KIMS BUILDING A Ask About Our New Year Off er!

KORNER CUSTOM HOME

Does someone you love have a mental illness?

Get Educated. Become Empowered.

by Kim Carson

Choosing to build your dream house is a ma- lots, not only with the cost of materials, but jor financial investment. Your home should in what it costs to provide hot water to each be your haven, providing both the func- room as well. A good place to start that tionality you need and the atmosphere you search is with your local Home Builders want at a price you can afford. To achieve Assocation (HBA). They will know most Second Street, Monument the house366 of your dreams take the time to of the best builders in your town and can plan and evaluate your specific wants and refer you to a couple. needs before you rush into choosing the final design for your new home.

Considering your daily routines and lifewww.FloorsandWindows.com style can help you make smart design choicExpires: 1/31/08 Present certificate tohome your Nationwide and WindowrathCoverings Designer prior your to placingcustom home plans. Where do Building athiscustom fromFloorscratch es for your order. Only one coupon per family. Offer good for window covering of equal or lesser value. er than choosing a pre-built home gives you you currently spend the majority of your the opportunity to create your own unique time? Do you find yourself constantly in retreat from the outside world. You’ll have the kitchen, family room, or living room? the opportunity to either create your own Do you need space for a home office? Are house plans or modify existing house plans you into fitness? An exercise room would to suit your tastes. Hiring a professional be perfect. Perhaps you want to turn your builder or architect can simplify the plan- master bedroom into your personal retreat. ning process and ensure that your new Whatever your preferences, make sure the home is exactly what you want. house plans you choose accommodates your lifestyle.

As you’re searching for house plans you’ll want to consider more than just the looks You’ll also want to consider the exterior of and layout of the rooms. You’ll want to your house plans in the same way. If you make sure that all the aspects of your home and your family spend a lot of time outreflect your personality and are thought- doors, you’ll want to make sure there are fully designed. For example, if the envi- plans for porches, decks, patios and other ronment and energy efficiency is important structures to give you the function and style to you, you’ll want to consider the layout you want outdoors as well as inside. of your heating and cooling system, your plumbing system, and your electrical sys- Choosing the architectural style of your tem so that is will be as streamlined, and home is an important consideration as you green, as possible. review house plans. Again, don’t just settle.

Make sure the choice you make suits your Using house plans that have all the hid- tastes and budget. den systems of your home strategically designed can save you money during the course of your home ownership. Finding a local builders to help plan these systems is always a smart choice. A professional builder will know tricks of the trade that Like to know more? many homeowners might not have considKim can be reached ered. For example, creating house plans that have the bathrooms and kitchen located in at 719-487-7767 close proximity to each other can save you

FREE

719.487.7767

FAMILY-TO-FAMILY EDUCATION PROGRAM

145429

(offered by the National Alliance on Mental Illness in Colorado Springs) (NAMI-CS)

Classes begin in February, 2010 in two Colorado Springs Locations Meeting once a week for 12 weeks from 6:30 p.m. – 9:00 p.m.

PROFESSIONAL INSTALLATION OF:

(Excludes sale items) (expires 1/31/10)

JUSTIN PALMER 481 Hwy 105 • Ste B - 188 Monument CO 80132

One (1) Item

JUST IN... OVER 200 NWT HOLIDAY/PARTY DRESSES FROM A HIGH-END RETAILER

20% OFF

Register Now: 473-8477

PORCELAIN • CERAMIC • NATURAL STONE • COMPLETE SHOWER REMODELS CUSTOM KITCHEN BACKSPLASHES • FLOORS • WALLS • COUNTERTOPS

High End Furniture

Women’s Clothing

Located in the Safeway Plaza

FREE ESTIMATES • COMMERCIAL / RESIDENTIAL

Home Decor

Jewelry

719-243-4817 • jp.trilakestile@yahoo.com

Prom Dresses

Name Brand Purses

488-1170

5

info@redouxboutique.com

SNIPPETZ : THE LOCAL SCOOP ®

S e n s e i o k r a A L l i l r i a nc T e e Th

THRIFT STORE The Tri-Lakes Senior Alliance reopens its improved

Thrift Store

Tuesday through Saturday - 10:00 am – 4:00 pm (719) 488-3495 For information, to volunteer, or to donate items, call the store during business hours.

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

Proceeds benefit the Tri-Lakes Senior Citizen Program

INCREDIBLE SAVINGS THINGS (OR WANT!) For information, to volunteer, orON to donate items, callYOU the storeNEED during business hours.

Proceeds benefit the Tri-Lakes Senior Citizen Program

SPORTING GOODS Bicycles, skis, heaters, coolers, golf clubs, camp chairs, back packs, roller skates

TOOLS Car jacks, sander, wrenches, hack saws, hand trucks, tire chains, snow shovels, tool boxes

Incredible savings on things you need (or want).

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

Sporting Goods – Bicycles, skis, heaters, coolers, FURNITURE

camp chairs, back packs, roller skates golf clubs, Desks, entertainment centers, file cabinets, tables, rocker, beds, collectibles Furniturecoffee – Desks, entertainment centers, file cabinets, coffee tables, rocker, beds, collectibles, APPLIANCES Appliances – Kitchen stove & oven, microwaves, Kitchen stove & oven, microwaves, vacuum cleaner, bread makers, clocks, clock-radios bread makers, juicers, clocks, clockcleaner,juicers, vacuum radios, Note: We can not acceptNOTE: electronics, clothes, shoes, CHILDREN ITEMS Children Items – Toys, games, bicycles, backWe can not accept electronics, purses, or child’s car seats.

Toys, games, bicycles, back-packs, strollers, clothes, shoes, purses packs, strollers,portable portable crib, crib or child’s car seats.

Tools – Car jacks, sander, wrenches, hack saws, hand Tri-Senior Alliance Thrift Store

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

6

SNIPPETZ : THE LOCAL SCOOP ®

EMPOWERMENT THROUGH HEALING, LLC

Monumental Styles & Co. Co-owners Arlene Nelson & Sandee Strand

Tai Yi Energy Practitioner - Tami Urbanek Under mental, emotional, or physical stress? Low immune system? Anxiety? Depression? Lack of focus?

Tai Yi means Supreme Movement and is an ancient form of Chinese energy work that is similar to acupuncture and can assist in many ailments.

719-641-2017 Making New Choices to Create a New Reality

FREE 30 MINUTE CONSULTATION WITH SESSION turbanek1@msn.com • www.empowermentthroughhealing.com • Monument, CO

TAI YI SEASONAL CHANGES Many are aware of SAD (Seasonal Affective Disorder) and other ailments that can be common in the winter season. With few hours of sunshine and even fewer hours of being outside in the sun, for many of us, we can feel the symptoms of low or sluggish energy levels and/or mild depression in some cases. Very easy ways to remedy this is to spend more time in the sun when possible (and when not at risk of extreme temperature exposure), exercise, adequate sleep, and making appropriate changes to the diet, as well as bringing in natural light into the home, office, and/or room.

Some are not aware, however, that for every season there are guidelines that are beneficial to follow. When we follow the guidelines, we can experience a shift in how we are responding to the natural changes of the earth and in essence benefiting from those changes.

People can benefit in the winter by following these guidelines: eating root vegetables, adding warming spices, deep stretching, not over-exercising, and deep reflection. Winter is a time of reflection and determining energy levels for new projects a person may take on in the spring and/or summer. It is a

time to look at one’s level of passion for life and for work. Spring is a good time for beginning new projects, rather than winter.

It is very important to drink plenty of water during winter and one can benefit from adding a bit of lemon juice to the water to aid in absorption. In addition, if one is drinking, what seems like plenty of water, and is not feeling the effects of hydration, try adding a bit (one teaspoon) of apple cider vinegar to one glass of 8 ounces of water. This will assist. Also, avoiding refined sugar when possible will greatly benefit. Eating too much sugar can dehydrate the body and dehydration can, and usually will, effect depression.

Our Salon features Perfecta, the professional color line which is natural and ammonia free - long lasting color with brilliant shine!

Hwy 105 at Knollwood • 1445 Cipriani Loop Ask for Arlene or Sandee Your Cut and Color Specialists

(719) 487-8660

A Tai Yi (pronounced Tie Yee) exercise/treatment that can help with winter and the other three seasons is Earth Core Balance. Earth Core Balance is for assisting in balancing the body with the earth changes. It will also assist in feeling passion. Passion is critical to creating new changes in life and creating new projects in work. Americans, as a whole, lack in feeling of passion, whereas, Europeans typically feel more passion. Ones’ level of passion is usually associated with their level of joy.

PEAK GRILL SERVES THOSE WHO SERVED!

Tami Urbanek For more information on Tai Yi, Tai Yi History, and Tai Yi exercises/treatments, visit: www.empowermentthroughhealing.com

O

n Dec. 7th Pearl Harbor Day ,the Peak Grill on Centennial Blvd.in Colorado Springs ,gave out 75 free meals to WWII and Korean War veterans. Veterans came from all over to meet and have a free breakfast or a free lunch.

COMPLETE BOOKKEEPING & PAYROLL SERVICES

Owned and Operated Since 2003

• Accounts Receivable / Payable • Preparation of Sales & Use Tax Reports • Payroll Service Including: • Distribute Payroll Checks • Prepare and File Payroll • W-2s and 1099s • Quickbooks® Training • IRS Clean-up

The many Veterans that braved the cold and freezing weather on Monday Dec. 7th,came out and had a great meal talked ,laughed and renewed old friendships and made quite a few new

HOME: 719-488-2308 • CELL: 719-331-3003 • EMAIL: bldoyle1@comcast.net

Planning is your best protection against the unexpected

Auto • Home • Life • Commercial All Your Recreational Vehicles David Prejean 1840 Deer Creek Rd Suite 103C Monument www.farmersagent.com/dprejean • dprejean@farmersagent.com

719•434•7031

7

ones. These great guys deserve our undying gratitude for a sacrifice we will never fully understand or comprehend.

Our thanks go out to the owners of the Peak Grill, Randy and Nancy Bolen, 75 free meals in this economy is a really big deal. The Peak will be offering another one in June ,on D Day and one in August, on VJ Day. The Peak would like to invite all WWII /Korean War Veterans for a get together every/2nd Tuesday of each month/ at 11am, and is offering all Veterans a discount of $7 when purchasing 2 meals.

This is a great way to keep in contact with one another. For more info.please call the Peak Grill at 719- 260-6905

QUALITY GOODS & SERVICES Double

J

DOG

Boarding Kennel

SAFE • CLEAN • SECURE

HAPPY HOLIDAYS!

Shop early for best selection.

719-481-0250 125 Second St. Historic Downtown Monument

Black Forest Rd.

Thompson Rd.

Hwy. 83

THE PLACE FOR GREAT Line Rd. to be spiritual be- BIRTHDAY GIFTS Guardian AngelsCounty are thought Owners on Site Double ings that are “assigned” to protect and assist FREE Gift Wrapping - 24 Hour - people here on Earth. We✪allJ have one or more Walker Rd. Hwy. 105 Supervision with us at all times.

BOOK YOUR Hodgen Rd. HOLIDAY VACATIONS Convenient Location EARLY • Reasonable Rates • Catering to Special Diets • Large/Indoor Heated Runs & Other Needs • Elevated Dog Beds • Multi Pet Discounts for • Overnight/Long Term Pet Roommates Judi & Jeff Havens - Owners 6470 Walker Road • Colorado Springs

By Appointment: 495-1774

NOW OPEN MONDAYS!

Both stores conveniently located at 274 Washington Street, Historic Monument

481•1361

Unique Handcrafted Dollhouses & Accessories

for the Discriminating “Mini-Home Owner”

A CUT ABOVE DRYWALL When You Want It Done Right...

The First Time!

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

Drywall Patches, Repair and Texturing

• No Job Too Small • Free Estimates • Reasonable Rates • 25 Years of Experience Call Mark Today!

Home: 719-481-0509 Cell: 719-237-9277

PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ POSSIBLE! ®

Large-scale distribution of alcoholic beverages and organized crime flourished anyway.

• On Jan. 12, 1888, the so-called Schoolchildren’s Blizzard kills 235 people, many of them children on their way home from school, across the Northwest Plains region of the United States.

The storm came with no warning, and the temperature fell nearly 100 degrees F. in just 24 hours.

• On Jan. 16, 1919, the 18th Amendment to the U.S. Constitution, prohibiting the “manufacture, sale, or transportation of intoxicating liquors for beverage purposes,” is ratified and becomes law.

• On Jan. 11, 1949, on Connecticut Avenue in Washington, D.C., the cornerstone is laid at the first mosque of note in the United States. The Islamic Center was complete with a 160-foot minaret from which prayers were to be announced.

craft carrier USS Enterprise, the first-ever nuclear-powered aircraft carrier, kills 27 people in Pearl Harbor, Hawaii. A rocket accidentally detonated, destroying 15 planes and injuring more than 300 people.

• On Jan. 15, 1974, the first episode of “Happy Days” airs, portraying the comic antics of 1950s Milwaukee high-school student Richie Cunningham and his pal Potsie Webber. A minor character, super-cool biker Arthur “the Fonz” Fonzarelli, soon came to be the show’s central character.

• On Jan. 17, 1950, 11 men steal more than $2 million from the Brinks Armored Car depot in Boston. It was almost the perfect crime, as the culprits weren’t caught until January 1956, just days before the statute of limitations for the theft expired. Only a small part of the money was ever recovered; the rest is fabled to be hidden in the hills north of Grand Rapids, Minn.

• On Jan. 13, 1982, an Air Florida Boeing 727 plunges into the Potomac River in Washington, D.C., killing 78 people. The crash was caused by bad weather and the pilot’s failure to ask for de-icing after the plane sat on the runway for 45 minutes. Worse, he failed to turn on the plane’s own de-icing system.

• On Jan. 14, 1969, an explosion aboard the air-

(c) 2010 King Features Synd., Inc.

8

SNIPPETZ® HEALTH AND WELLNESS

IMAGINE…

…Waking Up in the Morning Looking in the Mirror and Being

EXCITED

Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Kathy Warner, PA-C

About the Reflection You Saw…

IMAGINE No More!

Specialized Adult and Pediatric Allergy and Asthma Care

Introducing 1728 Lake Woodmoor Drive

Now in Monument

Just Behind People’s Bank In the Woodmoor Center

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

A New Year’s Solution and So Much More!

481-9021

Individualized treatment for:

New Personal Training Packages More Group Exercise Classes New! Virtual Reality Spinning Room Ski Conditioning, Zumba, Yoga and More!

Huge Selection of Free Weights and Machines Expanded Hours for Early Birds and Late Night Exercisers Low Monthly Rates – We’ll Match or Beat Any Local Competitor!

Join Now $0 Enrollment

Intro Package Personal Training 3 Sessions for $99

Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma Including Allergy Injections

New Jumpstart Weight Loss Package Includes FREE Nutrition Profile

At the Medical Center next to Safeway

719-592-1365 www.csallergy.com 550 Highway 105 Monument, CO 80132 Wednesday Afternoons

   Buy a  of  and     

30, 60 or 90 minute Massage Gift Certificates!

PKG of 5 1/2 hr : 1 hr :

(reg $40 ea)

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1 1/2 hr :

(reg $85 ea)

PKG of 10

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

719-216-4421 www.HealingTouch-MassageTherapy.com 9

SNIPPETZ BUSINESS DIRECTORY ACCOUNTANT 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.

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

AUTOMOTIVE CYLINDER HEAD SERVICE Valve Jobs Seats • Guides Surfacing Foreign • Domestic • Gas • Diesel

Rup Engines 719-205-3010

THE PLACE TO FIND LOCAL BUSINESSES ON THE GO!

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

Tim Buxton

ROOFING

LANDSCAPING 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

Buxton & Luther, P.C. is an experienced and respected personal injury law firm dedicated to protecting the rights of persons injured due to the negligence of others.

Residential And Light-Commercial Interiors, Exteriors And Decks

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

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et the experienced Denver & Colorado Springs personal injury attorneys of Buxton & Luther examine your case and explain your options. You do not have to face your injury or your financial worries alone. Allow the team of attorneys at Buxton & Luther to be on your side.

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

AUTO ACCIDENTS Car Crash Injuries Hit and Run Commercial Vehicles Motorcycle Wrecks Insurance Disputes

PREMISES LIABILITY Slip and Fall Construction Defect Negligent Care

PERSONAL INJURY Bike Accident Dog Bites Pedestrian Accidents Wrongful Death

MEDICAL MALPRACTICE Misdiagnosis Birth Trauma Inappropriate Treatment Negligent Procedure

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10

SNIPPETZ

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LOCAL SCOOP / DINING GUIDE

READY FOR A NEW LOOK?

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Looking for a special way to celebrate your child‛s birthday?

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PIKES PEAK ICE CREAM & GELATO

Owner/Stylist

481 Highway 105, Unit # 208 Monument, CO 80132 Tel: (719) 313-9484 http://www.PikesPeakIceCream.com CLOSED ON MONDAYS

New Clients Only

Weekly drawing for a FREE HAIRCUT with this ad (New Clients Only)

Walk-ins Welcome • (719) 481-3265 251 North Front St. #5 , Monument next to the Coffee Cup Cafe

PINZ WELCOMES SENIOR BOWLERS EVERY TUESDAY

S

ince it’s opening in August of 2007, PINZ (in conjunction with the Tri-Lakes Senior Citizens program) has hosted a group of senior bowlers every Tuesday afternoon at Noon. Over the past 2½ years, the group has grown from 4-6 bowlers a week to 8-16 bowlers each week.

The session is open to everyone 55 years of age or older. There is no regular commitment involved so anyone can come every week or whenever they can.

The seniors bowl 3 games each week at

a cost of $1.50 per game. PINZ also offers its daily café special to the senior bowlers for a reduced cost of $4.50 – a $2.00 savings over the regular price.

If you are interested in bowling as part of the seniors group, just come any Tuesday at 12:00 noon. The group welcomes new members at any time and you don’t have be a member of the TriLakes Senior Alliance to participate.

WEDNESDAY

THURSDAY

SENIOR TUESDAY

CARRY OUT WEDNESDAY

FREE WAFFLE CONE

Seniors get an ice cream or gelato for

50% OFF

Buy One - Get One FREE on pints or quarts of ice cream or gelato

With an ice cream or gelato purchase

FRIDAY

SATURDAY

SUNDAY

EARLY BIRD SPECIAL

FREE COFFEE SATURDAY

All ice cream or gelato cones sold before 2PM are 25% OFF

Free coffee with any bakery purchase

CAFFE LATTES AND CAPPUCCINOS

(limit one per person)

Our gelato and ice cream is handmade every day in our store with the freshest, locally sourced ingredients and our gelato ingredients are imported from Italy.

Date: January 6, 2010 What: Free Family-to-Family Class

For more information, call Deb at PINZ, 719-487-7469.

When: February, 2010 Who: Offered by the National Alliance on Mental Illness in Colorado Springs (NAMI-CS)

HOURS OF OPERATIONS

719-481-1345

Monday - Friday 7:30 am - 8pm

Coupon must be presented

11

Contact: Kathy Brandt, 686-1347 or cell, 332-2458

O

nce again, the Colorado Springs National Alliance on Mental Illness is offering it’s FREE 12 week class for families and friends with mentally ill loved ones.

The classes cover the major mental illnesses (schizophrenia, bipolar disorder, schizoaffective disorder, anxiety disorder, obsessive compulsive disorder, PTSD); review medications; teach self-care, empathy, problem solving, and communication skills; discuss recovery and advocacy.

In the Monument Marketplace south of Blockbuster and east of The Home Depot

Call about our wholesale pricing, catering and free deliveries.

1

$

FREE 12 WEEK CLASS FOR FAMILIES AND FRIENDS WITH MENTALLY ILL LOVED ONES

15932 Jackson Creek Pkwy. Monument, CO

- Let us cater your next event -

Your child and guests will make their own ice cream. One delicious learning experience!

TUESDAY

We cater holiday parties, offer fundraising opportunities for schools, sports teams and civic groups and now have holiday ice cream cakes and gelato pies.

L to R: Joe Ratcliff, Dick Allen, Barbara Brown, Sharon McCormick, Lou Green, Gus Shiank, Bob Mikulich, Everette McCormick, Travis Coleman, Gary Coleman, Rich Anest and Josef Berktold

WE HAVE IT!!

Saturday - Sunday 8am - 8pm

Classes begin in February, 2010, meeting every Tuesday for 12 weeks from 6:30 p.m. – 9:00 p.m. Class in North Colorado Springs begins Feb. 2; Class Downtown begins Feb. 9.

For information or to register call the NAMI Office: 473-8477

SNIPPETZ

®

DINING GUIDE

Early Bird Special

$2.99 Breakfast!

2 Eggs, Bacon or Sausage, Country Fries & Toast

Mon thru Fri Before 9am @ Both Locations!

Coffee Cup Café 251 Front Street, Monument 80132 (719) 488-0663 www.coffeecupmonument.com Now open starting at 6 am - 3 pm 7 days a week!

JANUARY SPECIALS EE R F K A E BR OUR FROM Y S” “CHAIN

All you can eat crab legs every Thursday after 5 pm @ Second Cup

$15.99 Crab Legs

r wo-Fe Try a T endent t ndep at an I ed restauran n ow ocally

Now offering NFL Sunday Ticket @ A Second Cup with Happy Hour Specials All Day Sundays and Mondays!

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for two $19.95 st courses f six fir ick 1 o

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Wednesday Night Poker!

First Game @ 7:00pm Second Game @ 10:00pm

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Open at 4:30 Wed-Mon • CLOSED TUESDAY

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20 Micro Brews on Tap!

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SERVING Breakfast • Lunch • Dinner

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12

SNIPPETZ DINING GUIDE ®

PATRICIA’S CAFÉ OLD FASHIONED COLE SLAW

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine GLUTEN FREE Pizza, Pasta, Sauces Now Available Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm 4 Hwy. 105 • Palmer Lake

719-481-3244

website: http://www.bellapanini.com

Serving Anne & Mann’s Gourmet Ice Cream

24 Hwy. 105 in Palmer Lake

½ head Shredded Green Cabbage ½ c Shredded Carrots ½ c Mayonnaise 4 tsp Dill Pickle Juice 1 Tbs Sugar ¼ tsp Kosher Salt 1.

2.

Combine ingredients and mix well.

Chill.

T

his is a salad from the Dutch. I use pickle juice because it has lots of flavor especially if you use a pickle with a strong garlic flavor. If you wanted to change it up a bit you could add some

broccoli and/or onion.

Cabbage is one of those veggies that are very good for you. It is high in B & C vitamins. It is very low in calories and works well as a blood purifier. It is good for skin problems, ulcers, asthma, diabetes and your kidneys. Mayonnaise has been associated with reducing the chances of cancer in women. Carrots of course are high in beta-carotene, which is great for the eyes and works as an antioxidant.

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

CLOSED FOR THE SEASON WE WILL REOPEN IN MARCH Please Stay Tuned for the Announcement!!

Rock House Ice Cream

488-6917

“Real Wine for Real People” 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

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.

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

Vino-Bits Wine Appreciation & Tasting Tips

brought to you by Dirk at The Wine Seller

THE EYES HAVE IT

T

488-3019

or www.thewineseller.net is often compared to ruby and garnet, topaz and gold.

The color you see can give you clues to help assess the wine’s age and body. Try to decide precisely which shade of red or white it is and whether it will stain the tablecloth permanently if you tilt the glass too far. Look at the wine in your tilted glass and just notice how dark or how pale it is and what color it is. Brighter more purple tones indicate younger red wines while a more brickish-red color indicates an older wine.

he first step in your wine appreciation quest is visual. Fill the glass about one-third full, never more than half-full. Pick it up by the stem.

Observe its color and appearance. No other liquid is Conversely, darker more golden whites usually as vivid and variegated, or reflects light with such joy indicate an older wine while a lighter more brilliant pale yellow indicates a younger white. and finesse. There’s good reason wine’s appearance

13

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

1. ANATOMY: What is the common name for dentition?

Sports Quiz

By Chris Richcreek

10. MEASUREMENTS: What is the metric equivalent of 1 quart?

1. What major-league player reached 100 career home runs in the fewest games?

2. When was the last time a major-league player stole 100-plus bases in a season?

3. Name the last time before the 2008 season (Arizona) that the NFL had a team with nine regularseason victories reach the Super Bowl?

4. When did the University of Kansas men’s basketball team win its first NCAA Tournament title?

5. Who was the last player from the Toronto Maple Leafs to win the Hart Trophy as the NHL’s Most Valuable Player?

6. Name the first woman to win a Sports Car Club of America national championship.

7. Who was the last mother to win a Grand Slam title in tennis before Kim Clijsters at the 2009 U.S. Open?

(c) 2010 King Features Synd., Inc.

(c) 2010 King Features Synd., Inc.

2. LITERATURE: Who wrote “The Hound of the Baskervilles”?

3. ADVERTISING: What product was sold with the slogan, “Put a tiger in your tank”?

4. GEOGRAPHY: Which two major Canadian cities are situated on the St. Lawrence River?

5. PSYCHOLOGY: What kind of fear is represented in heliophobia?

6. MOVIES: “A little pig goes a long way” was the slogan for which movie?

7. LANGUAGE: What does the diacritical mark “breve” indicate?

8. HISTORY: Which was the first of the 13 original United States to be admitted to the union?

9. MUSIC: What musical artist and band had a hit with the song “Last Dance with Mary Jane”?

1. The Elegants were best known for one particular song. Name the song and the year it was a hit.

2. Who sang “Do That to Me One More Time,” and when?

3. Name the Australian band that did “Who Can It Be Now? 4. Where is Right Said Fred from? What song are they best known for?

5. Name the Shelley Fabares hit of 1962.

6. Name the group responsible for bringing to television songs such as “Last Train to Clarksville,” “Pleasant Valley Sunday” and “Daydream Believer.” (c) 2010 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 (15).

New DVD Releases for Week of January 11, 2010 PICKS OF THE WEEK

This week features the release of three great films that either didn’t make it to your local multiplex or, if they did, didn’t stay there very long.

“Big Fan” -- Patton Oswalt is best known for his outrageously funny stand-up comedy and as the voice of Remy the Rat in “Ratatouille.” In “Big Fan,” Oswalt proves

that he is capable of doing complex, dramatic character work -- and his performance in this movie is brilliant.

Oswalt plays a dude named Paul, who works as a ticket-taker in a parking garage, is 35 years old and still lives at home with his mother. But most of all, Paul is an obsessive New York Giants fan. When a chance meeting with the team’s star player leads to Paul getting viscously beaten by the player, Paul’s world crumbles and he must make a choice: Does he allow the police to prosecute the man (meaning a losing season for Paul’s beloved team?) or does he come up with a deluded plan that Just Might Work? Watch and find out.

“Moon” -- I thought “District 9” was the best science-fiction movie of 2009; but coming in a close second is “Moon,” directed by David Bowie’s son, Duncan Jones.

“Moon” stars Sam Rockwell as Sam Bell, a poor schlub pulling a three-year stint on

the moon maintaining an automated mining station. The three years without human contact is beginning to wear him down, and he misses his wife and little daughter terribly.

One day while on a routine inspection of one of the harvesters, Sam makes a disturbing and dangerous discovery that leads him to question his sanity -- and a lot more.

tension at such a high level, there are moments when you actually feel like you’re with the guys on a mission. The acting is outstanding, and most of all, this isn’t one of those preachy movies about the war (pro or con). It’s just a gripping story about men doing a dangerous job -- and how that mission affects them. “The Hurt Locker” is one of the best films of 2009. Check it out.

“The Hurt Locker” -- Jeremy Renner stars as Staff Sergeant James, the leader of a bomb disposal unit stationed in Iraq. James is an adrenaline junkie, and his gung-ho, reckless attitude toward the job has the members of his team so worried about whether he’s going to get them killed, they actually consider fragging him.

Director Kathryn Bigelow does a masterful job of directing this film. Despite the shaky-cam cinematography that seems almost compulsory nowadays for films like this, she manages to keep the emotional

“Top Gear” The Complete Season 11 “Top Gear” The Complete Season 12 “Jon and Kate Plus Ei8ht: Season 5 -Big Changes” “The Simpsons” The Complete Twentieth Season “ER” The Complete Twelfth Season “Robin Hood” Season Three “Becker” The Third Season

14

TV SERIES

(c) 2010 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS 1. Cutting teeth 2. Arthur Conan Doyle 3. Esso gasoline 4. Montreal and Quebec 5. Fear of the sun 6. “Babe” 7. A short vowel 8. Delaware 9. Tom Petty and the Heartbreakers 10. 1 liter (1.057 quarts)

JANUARY 11, 2010

ARIES (March 21 to April 19) That lowerthan-acceptable performance you’re getting from others in your group might be the result of miscommunication. If so, correct it before serious problems arise later on.

SPORTS QUIZ ANSWERS 1. Ryan Howard of the Philadelphia Phillies, who did it in 325 games (2004-07).

2. St. Louis’s Vince Coleman had 109 in 1987.

3. The Los Angeles Rams in 1979.

4. It was 1952.

5. Ted Kennedy in 1955.

6. Donna Mae Mims in 1963.

7. Evonne Goolagong Cawley at Wimbledon in 1980.

FLASH BACK ANSWERS

1. The doo-wop group had a hit with “Little Star” in 1958. The Elegants still tour.

2. The Captain and Tennille (Daryl Dragon and Toni Tennille) had a hit with the song in 1979.

3. Men At Work, in 1981.

4. Right Said Fred is an English band that did, among other songs, “I’m Too Sexy” in 1992.

5. “Johnny Angel.” Fabares appeared in three Elvis movies and has had a long television career, including nearly 200 episodes of “Coach.”

6. The Monkees, who were brought together to star in a television series about a rock ‘n’ roll band. The show ran from 1966-1968.

TAURUS (April 20 to May 20) An unexpected situation could call for a change of plans. If so, you might feel that this is unfair. But it’s best to make the needed adjustments now. There’ll be time later for rescheduling.

GEMINI (May 21 to June 20) The new year brings opportunities you might want to look into. Some might be more interesting than others. But take time to look at all of them before you make any decisions.

CANCER (June 21 to July 22) It’s a good idea to be careful about expenses until you’ve worked out that pesky financial problem. You might find it advisable to get some solid advice on how to proceed.

LEO (July 23 to August 22) Romance looms large over the Leonine aspect. Single Lions looking for love should find Cupid very cooperative. Paired Cats can expect a renewed closeness in their relationships.

VIRGO (August 23 to September 22) Making contact with a former colleague might not be high on your list of priorities.

But it could pay off personally as well as professionally. Avoid bringing up any negatives about the past.

15

LIBRA (September 23 to October 22) A personal relationship could face added stress because of a situation involving someone close to both of you. Be supportive and, above all, try to avoid playing the blame game.

SCORPIO (October 23 to November 21) You might well find some lingering uncertainties about a decision. If so, take that as a warning that you might not be ready to make that move yet. More study would be in order.

SAGITTARIUS (November 22 to December 21) Music is a dominant theme for Sagittarians right now, and it should remind you to make a greater effort to restore some much-needed harmony in that very special relationship.

CAPRICORN (December 22 to January 19) Although family matters might demand much of the Sea Goat’s attention this week, you’ll want to try to make time to handle those all-important workplace situations as well.

AQUARIUS (January 20 to February 18) A recurring unresolved issue might need to be revisited before you can move forward.

Consider asking someone familiar with the situation to act as an impartial counselor.

PISCES (February 19 to March 20) Ignore pressure to make a decision. Keeping your options open is still the wisest course, at least until you’re sure you’ve learned all you need to know about the matter at hand.

BORN THIS WEEK: You’re capable of great loyalty to those around you, which is one reason you can count on devotion from friends and family. (c) 2010 King Features Synd., Inc.

SNIPPETZ® BUSINESS AND FINANCE MKD-3358-A-FL MAR 2008

LEARN COMMON-SENSE

FINANCIAL FOCUS FINANCIAL MOVES FOR THE NEWLY

RULES FOR COMMON STOCKS.

SINGLE Provided by Adam Grayson of EdwardJones Investments

W

e can’t always escape the sad events in our lives — but we still need to carry on. Obviously, for a married person, a divorce or the death of a spouse is a traumatic event. But if either event happens to you, you’ll need to make some financial moves to keep your life on track.

Investing in stocks can be easier than you think. The key is understanding long-term strategies for success. That’s what Investing can Jones’ be easierupcoming than you think.

The key is you can learninatstocks Edward seminar. understanding long-term strategies for success. That’s what you The Take Stock in the Market seminar will explain can learn at Edward Jones’ free upcoming seminar. basic stock terminology, as well as time-proven strategies created to help reach goals. Better yet, the Theyou Take Stockyour in thefinancial Market seminar will explain basicprostock gram takes only an hour, which makes sense in itself. terminology, as well as time-proven strategies created to help reach financial goals. Better yet, the takes Learnyou some newyour strategies for investing in stocks.

Callprogram to reserve your only an hour, which makes sense in itself. space today.

One step you’ll need to take is to examine your income stream. Will you be able to collect alimony or life insurance proceeds? If so, you’ll want to factor these proceeds into your overall financial strategy. And if you’re employed, and you don’t have disability income insurance, you may want to consider it, because if you should become sick or injured and cannot work, you could face difficult times. Your employer may offer a short-term disability policy as an employee benefit, but it might not be sufficient, so you may need to consider adding additional disability coverage on your own.

Date: Tuesday, January 26, 2009 Time: 6:00 p.m.

January 26, 2010 Date: Tuesday, 6:00 p.m.

Time: Location: Bella Panini - Palmer Lake, CO Location: Bella Panini - Palmer Lake, CO RSVP: to: Kathy Williams at 481-4964 January 20,at2010 to Kathy Williams 481-4964 by 1/20/10 R.S.V.P.:by

Learn some new strategies for investing in stocks. Call to Dinnerreserve will be served. your space today.

Adam R Grayson Financial Advisor .

Dinner will be served.

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

www.edwardjones.com

Of course, even as you consider your cash flow needs for the present, you’ll still have to plan for your future — including your retirement. When you were married, you may not have been contributing as much as you could afford to your 401(k), particularly if your spouse was fully funding his or her retirement plan.

And if your spouse had an IRA, you might not have felt the need for one, too.

But now that you’re solely in charge of your own financial destiny, you’ll need to consider putting as much as you can possibly afford into your 401(k) or other

Member SIPC

IT’S TIME TO MAKE THE WORLD

A BETTER PLACE

employer-sponsored retirement plan, along with your IRA. Because a 401(k) and an IRA offer significant tax benefits, they are great vehicles in which to save for retirement, so you should consider taking full advantage of them.

And speaking of your 401(k), IRA and other investment accounts, you may now need to change the beneficiary designations. These designations may even supersede the instructions on your will, so it’s important to keep them current.

Apart from taking these steps, what else should you do to make sure you position yourself to meet your own goals? For one thing, you may need to review your overall investment mix, both inside and outside your retirement accounts.

When you were married, you and your spouse may have established a portfolio based on a combination of your risk tolerances and time horizons. But now you’ll need to determine if your existing asset allocation truly reflects your needs, preferences and aspirations. A professional financial advisor can help, so if you don’t already work with one, now might be a good time to start.

One final suggestion: If you have children at home, make sure your life insurance coverage is sufficient. You’ll want to help make sure your children will be provided for, should anything happen to you.

There’s no sugarcoating the pain and difficulties that can accompany the loss of a spouse through death or divorce.

But by making the right financial moves, you can help make life a little easier for yourself and your loved ones.

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

TO DRIVE.

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WE EATHER THE ECONOMY.

“Your Lender Next Door”

NEED CASH? NEED FINANCIAL FREEDOM?

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

16

®

SNIPPETZ BUSINESS AND FINANCE

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

SCAMMERS GET CREATIVE

S

cammers never go away. They just get more creative in their methods of getting you to part with your money. Here’s a sampling of current scams to watch out for: --Scareware: Scam software that gets into your computer and makes you believe your machine has a virus. You’ll be notified with an urgent popup screen that says you need to download certain anti-virus software immediately or your computer will be in danger. The real danger is that you’ll fall for it and download (and pay for) the suggested software to fix the nonexistent problem.

--Foreign lotteries: If you get a call saying you’ve won a foreign lottery, hang up. One, you likely didn’t

THE LAW ACCORDING TO STEVENS

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

NEITHER A BORROWER NOR A LENDER BY: AT LEAST, NOT UNLESS YOU TAKE SOME PRECAUTIONS © Lisa Welch Stevens, Esq., January, 2009

W

e have all heard the warning to “neither a borrower nor a lender be”; we have also heard that the best way to lose a friend is to borrow from or lend to that friend. And, with respect to family members, the consequences of borrowing or lending money can be even more serious. The reality is, no matter on how good terms you are at the time the money is borrowed or lent, things can change. But, of course, you love your son, who wants to borrow money to start a business. You love your sister, who desperately needs money to pay doctor bills. So you have two options: (1) be prepared to consider the loan a gift, and never to see a penny of it again; or (2) put the loan in writing, with security promised for repayment.

I myself (before I became an attorney), loaned thousands of dollars on several occasions to my sister, a single mother with four children from three different husbands. She was employed, but living in Las Vegas, and had a bad habit of gambling away the rent money on slots (yes, this is really true!). Every time she was threatened with eviction, she came to me for money and, of course, I could not permit her small children to become homeless, so I lent her the money. Of course she promised to pay it back, and I believed she would do so. And, of course, she never did. (She did, thankfully, move away from Las Vegas, the children grew up and moved out, and so problem solved and no more loans requested). I needed that money back (three children in college at once), and my husband was not pleased not to be repaid, but we decided, in the interests of family peace, to chalk it up as a very nice gift to her and to let it go. Lesson learned – we took out loans to pay for our children’s college.

However, let’s assume you really can’t afford to do as we did. Get it in writing, signed. I know, I know – you don’t want to insult or alienate your friend or family member by putting things in writing, or requiring security for repayment. However, after twelve years of practicing law, and based upon my own personal experience, I can tell

enter the lottery, and two, you surely didn’t give them your phone number. The scam comes in when you’re told that you need to pay fees in advance for various reasons.

--Charity scams: Anytime there’s a disaster, the scammers will hit you up for donations to help the victims. Many people would genuinely like to help, but beware who you give your dollars to. The more emotional the request for money, the more likely it is to be a scam. Stick with the big names such as the Red Cross or The Salvation Army if you want to respond to a disaster.

--Auctions: Foreclosed properties and seized cars have big scam potential. The ads make it sound like you can pick up a house for only a few thousand dollars or a vehicle for a few hundred. The scam comes when you’re asked to buy a guide to all the foreclosed properties and seized vehicles in your area. The guides

17

you that putting things in writing preserves relationships in the long run. Everyone knows going in what is expected of them; if there are disputes, you can consult the writing; and resentment over perceived “changes” in terms of the deal are avoided. In addition, depending upon the amount at issue, you can avoid having to pay gift taxes to the IRS. Have the borrower sign a promissory note (a note promising to pay). You can get forms off the internet, have a lawyer draft it, or buy forms at an office supply store. Bradford Publishing (www.bradfordpublishing. com) is a wonderful source for legal forms, and instruction manuals on how to use them. You also can go to the library and copy out of a legal form book. Make sure the note is signed by the borrower, and make sure it includes, at a minimum, the following: • Name of Lender, and address; • Name of Borrower, and address; • Date of loan, and due date; • Amount of money lent (the principal); • Rate of interest, if any, to be charged, and whether it is simple interest, etc.; • Date and frequency of payments (whether monthly, weekly, or completion of payment of entire amount required on or before a certain date; • Late payment provisions; • A grant by the borrower to the lender of a security interest in some sort of collateral to secure payment (for example, in their house).

You may also wish to require the borrower to have a spouse, parent, etc. sign as a personal guarantor of payment.

If you are requiring the borrower to give you a security interest in real or personal property to secure payment of the loan, it is best to also have the borrower execute a separate security agreement as well. You can the record the security agreement against real property, with the county clerk & recorder in the county where the real property is located (do this as soon as possible for priority over other creditors). If the security interest is in a vehicle or certain other types of personal property, you can record a UCC filing against that personal property with the office of the secretary of state of the state in which title to that personal property is located.

You are not insulting the borrower by doing these things; you are treating them with respect. You are being professional. You are helping them to learn how to deal with the real world. And you are protecting yourself. No one can take advantage of you unless you let them do so. And, if worse comes to worse, you can enforce the loan in court.

This article is intended for informational purposes only, and does not constitute the provision of legal advice. As always, consult your legal advisor regarding your particular situation.

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

aren’t cheap. If you give them your credit-card number, you’ve given them free license to charge more things to your card. To explore genuine foreclosed properties, start with the government’s Housing and Urban Development Web site at www.hud.gov.

--Census: The 2010 Census has plenty of opportunities for scams, and some have already surfaced. At this point, census takers are verifying addresses only.

If someone appears at your door saying they’re from the Census and asking for information that includes your Social Security number or bank information, it’s a scam. Also beware of e-mail supposedly from the Census: You will not be contacted that way.

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.

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The average age of the person receiving the care is 66 to 69 years.

Caregiver duties generally fall under the category of “Activities of Daily Living,” such as dressing, getting in and out of bed, bathing and eating.

A fair number of caregivers (66 percent) have some help from unpaid sources, but most don’t use paid assistance. This has a lot to do with income too, as skilled care (or even someone to come in to clean) carries a high price tag. A full 70 percent of caregivers also work at a job.

caregiver lives with the recipient, scale. that goes up to almost 40 hours a If you’re a caregiver, look for help, week. especially if you’ve done it for a Most have been taking care of some- number of years. Go online to the one for four years, and this is where Eldercare Locator (www.eldercare. the health concerns of the caregiver gov) or call 1-800-677-1116. Also can come into play. While the ma- see Caring (www.caring.com) for jority of caregivers say their health information on caring for parents. is good at present, the length of time There’s more use of the Internet spent taking care of someone takes Matilda Charles regrets that she cannot now than there was just a few years a toll. Caregiving for more than five personally answer reader questions, but ago, and more than half of caregiv- years or for more than 20 hours a will incorporate them into her column ers report going online for informa- week seems to be the cutoff where whenever possible. Write to her in care of tion on treatment, services, facilities good health can begin to decline. King Features Weekly Service, P.O. Box and doctors.

When it comes to emotional stress, 536475, Orlando, FL 32853-6475, or send one-third of caregivers say their e-mail to columnreply@gmail.com.

Caregivers spend around 20 hours stress level is a four on a one-to-five (c) 2010 King Features Synd., Inc. a week providing direct care. If the

Have safe portable space heaters available.

Wrap water pipes in insulation or layers of old newspapers to keep from freezing.

Let faucets drip a little to avoid freezing.

Know how to shut off water valves.

Article by Robyn Graham Keller Williams Real Estate, LLC

Let It Snow! But first...

Some Winter Safety Tips Preparing your home and property for cold weather conditions can reduce some of the effects caused by winter's weather challenges. The following measures can be effective in dealing with the effects of severe winter weather: Have your snow removal equipment serviced and ready for action.

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Have rock salt on hand to melt ice on walkways.

Make sure your walls and attic are properly insulated.

Caulk and weather-strip doors and windows.

Install storm windows or cover windows with plastic from the inside.

Have an ample supply of wood if you have a fireplace.

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In case the power goes out, have disaster supplies on hand such as a flashlight & battery-operated radio (and extra batteries), a first aid kit and extra blankets & sleeping bags.

Preparing your vehicle for the winter season is one of the most important keys to safe winter driving. Have a mechanic check the following items

on your car before the temperatures drop: Battery Antifreeze Ignition system Thermostat Lights Flashing hazard lights Exhaust system Heater Brakes Defroster Oil level Tires/tread Wipers and windshield washer fluid Be sure to keep a windshield scraper, a small broom for ice and snow removal, and a flashlight with extra batteries inside your vehicle. And maintain at least a half tank of gas at all times during the winter season.

LIBRARY OF ALL PAST ARTICLES: www.SpringsRealtyTalk.com For further information, please feel free to call Robyn Graham at Keller Williams Real Estate 719-216-4421 or email Homes@RobynGraham.com

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Jeff Burum CPA, MBA, LLC 16055 Old Forest Pt. Ste 300 Monument, CO 80132 (719) 488-5637 Ph (719) 488-5651 FAX www.JeffBurum.com Please call for a free 30 min consultation jbcpa_co@hotmail.com

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Securities,insurance, and annuities offered through The Leaders Group, Inc; Investment advisory services offered through TLG Advisors, Inc. Member SIPC/FINRA

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