Snippetz Issue 458

S

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

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SNIPPETZ IS ON THE LOOKOUT FOR

IDENTITY THIEVES

ISSUE 458 • AUGUST 9, 2010

by Deborah Stumpf “I know a baseball star who wouldn’t report the theft of his wife’s credit cards because the thief spends less than she does.”

- Joe Garagiola

A

lthough it’s been a hot topic in the news media; with plenty of law enforcement officers, banks and other financial institutions providing a wealth of information on the subject; fraud-related crimes, particularly identity theft, continue to be a huge concern for consumers.

The Federal Trade Commission estimates that each year about nine million Americans have their identities stolen.

A large portion of those Americans end up as victims of identity theft, which, according to the FTC, is a “theft that occurs when someone uses your personally identifying information like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.”

Identity Thieves... Continued on Page 2

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Those who commit identity theft are unscrupulous con artists and savvy thieves. The crime is not the average stolenpurse situation, where cash and credit cards are snatched for drugs or impulsive shopping. Identity theft thugs apply for credit cards, establish telephone accounts, rent a place to live, transfer money, to name a few fraudulent acts – all in the name of their victims. Because the ID thieves are masters at the game, the victims might not realize what has happened until they view the next credit card statement or they’re contacted by their bank or a collection company.

THE STORY OF A REAL THIEF By the time Shiva Brent Sharma was 20 years old, he had received well-above $150,000 in cash and merchandise as an identity thief. After investigators arrested him in 2006 for the third time, they had stopped counting Sharma’s take, according to a New York Times article written that same year.

Sharma – the first identity thief charged under the New York identity theft statute – served a prison term for his crimes and during his stay provided insight to law enforcement officers about the life of an identity thief.

His crime spree included gaining access to stolen credit cards online and changing the cardholder information and wiring money to himself. He also used false identities and learned how to create the perfect fake driver’s license.

And it’s not an 8-to-5 job – more like three hours or less.

He once made $20,000 in three hours.

Sharma studied computer programming at Brooklyn Tech,

a prominent high school in New York. In his earlier years, he downloaded MP3’s; and, as time went on, he began hanging out on Internet chat rooms that dealt with bootleg software. Later, he found sites that dealt in credit cards, banks and account numbers.

As he gained a strong knowledge of online commerce, Internet security and human nature through his Internetbased comrades in crime, Sharma used common-day methods to steal data – e-mail and phony Web sites. The robberies took place in his middle-class home in Queens, N.Y. Sharma began phishing – sending e-mails to entice people to give him their personal or financial information. He used a program for access to AOL e-mail addresses. Because AOL is popular for people new to e-mail, he stuck with it. He gathered almost 100,000 addresses from AOL and sent an e-mail telling recipients the AOL system had crashed and the billing information was deleted. Recipients then followed a link to a Web page to reconstruct their information.

The Web page mirrored AOL’s look and contained form fields, including Social Security numbers; birth dates; credit card numbers, expiration dates and banks; the mother’s maiden name, etc. All they had to do was complete the fields and use the “submit” button to send in the information – and guess who was at the other end of “submit?”

Sharma told investigators he had 250 to 300 responses.

Eventually, his expertise led him to more lavish operations. He became well known for cashing out stolen credit accounts through large wire transfers to himself.

Sharma knew he was committing a crime, but in his

Identity Thieves... Continued on Page 3

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Continued from Page 2 words, the lifestyle became “addictive” and “easy.” He admitted the temptation to go back to it when he is out of prison. And, while serving his term behind bars, Sharma won several scholastic awards from a school for inmates – one for Outstanding Achievement in Computer Technology.

IDENTITY THEFT CROSS-COUNTRY The Consumer Sentinel Network is an online database for consumer complaints available only to law enforcement. It was started in 1997 in response to fraud and identity theft claims.

Agencies like the Federal Trade Commission, the U.S. Postal Inspection Service and Better Business bureaus report complaints to the site, making them available to law officers for coordinating and enhancing investigations.

The CSN has received 5.4 million complaints from 2005 through 2009. The figures do not account for all crimes in the country related to fraud and identity theft.

The U.S. Census Bureau retains information on fraud based on the CSN. Between January and December 2009, the CSN received more than 1.3 million consumer complaints – sorted into 30 categories. Data for 2009:

Fraud • The CSN received 721,418 fraud-related complaints. Eighty-seven percent of those complaints included monetary damages of

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more than $1.7 billion. The median amount per victim was $399.

• Credit card fraud is on the rise. Forty percent of the consumers reported their credit cards were used for fraudulent purchases – an increase of 7 percentage points from 2007.

• The most popular method of fraud was e-mail (48 percent) and another 12 percent cited an Internet Web site. Only 10 percent reported that they had received phone calls initiating fraud.

• Colorado is the second highest per capita state reporting fraud and other related complaints. Nevada is No. 1.

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• Credit card theft was the most common way to steal an ID, followed by government documents/benefits, phone or utilities, employment, banks and loans.

• Florida has the highest per capita rate of reported identity theft complaints. Arizona follows with Texas as No. 3. Colorado was No. 9.

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• Of all complaints, identity theft was at the top. Third party and creditor debt collection came in second and Internet Services followed at No. 3.

• Fraudulent bank account debit was the No. 1 method of payment. Cash and cash advances, checks, credit cards, money orders, telephone bills and wire transfers followed.

• The highest percent of victims were in the 40-49 and 50-59 age groups (25 percent each).

• In relation to the top 50 metropolitan

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• Be cautious about opening any and all attachments from e-mails or downloading files, regardless of who sent them.

areas reporting fraudulent crime, Greeley, Colo., and northern neighbor Boulder were No. 3 and No. 4. Colorado Springs came in No. 11 and Fort Collins No. 13. Denver was No. 39. Mount Vernon, Wash., held the No. 1 spot. The information covers cities with populations over 100,000, and the rankings are based on the number of fraudulent-type complaints per 100,000 inhabitants.

• Greeley ranked ninth in reported identity-theft related crimes; Denver, No. 50.

• Colorado complaints regarding identity theft totaled 4,775 for 2009. The top five complaints: employment fraud, credit card fraud, government documents, phone or utilities and bank.

PHISHING – NOT A DAY ON THE RIVER Phishing is a popular scam where spam or pop-up messages are set up to lure personal or financial information from potential victims.

Avoiding phishing: • Don’t reply to e-mail or pop-up messages asking for financial information and don’t click on links in the messages or cut and paste a link to the Web browser.

• Don’t respond to e-mails that appear to be from legitimate businesses asking you to call a phone number to update an account or access a refund.

• Use anti-virus and anti-spyware software as well as a firewall – keep them updated.

• Don’t e-mail personal or financial information.

DON’T BE A VICTIM • Don’t carry your Social Security card in your wallet or write the number on your check. If the state in which you live uses the SS number as the ID on the driver’s license, ask to substitute another number. Do the same with your insurance policy.

• If you do need to provide your SS number, ask questions: Why and how will the company use the number; how do they protect your number and what happens if you don’t provide the number.

• Avoid dumpster divers: Shred receipts, credit applications – any important piece of paper that has any identifier about you.

To opt out of prescreened offers of credit via postal mail, call 1-888-567-8688. (It’s OK to provide your SS number, which they need.)

• Deposit outgoing mail that contains important information at the post office. Remove mail from your mailbox as soon as you can.

• Be careful with the Internet. For information on how to avoid Internet fraud and protect your information, go to www.OnGuardOnline.gov.

• Avoid using obvious information as passwords, such as your birth date, the last four digits of your SS number, a series of consecutive numbers or a common dictionary word.

• Do not give out personal information on the phone. When using the Internet for purchases, verify that the site is legitimate by typing its URL in the address line – don’t cut and paste it.

• Protect your purse – be alert and aware.

• Store your important information in secure locations at your home.

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Tai Yi (pronounced Tie Yee) means supreme movement or balance in English and utilizes all the meridians within all parts of the body. These meridians are a part of the mental, emotional, astral, ethereal, spirit, and soul. These seven parts of our bodies can be researched online or in bookstores. Each part of the body carries a specific set of meridians.

A meridian can be described as a flow of energy in the body, similar to a water pipe. Meridians can become blocked, slow/sluggish, or it can be moving energy rapidly through the body. When meridians are not operating effectively, we feel it in our body. We may feel it in our mental, emotional, or physical areas. Our mind might feel overly cluttered and we may find difficulty in focusing or remembering information. Our emotions may be severe or we may feel nothing at all, as if numb. Our physical body may have arthritis, toxins, headaches, low immune system, lymphatic issues, spinal issues, fatigue, among other ailments. All of this is the result of issues with the meridians in the body.

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childhood, to name a few. If one were to have an issue with the pipes in a home, he or she would need to determine the cause first. Then treat the cause. If, for example, the draining water were moving sluggish, the person would want to determine if it is one item that is blocking the flow of water or if it is caused by build-up. Then treat the cause. Tai Yi treats the cause, not the symptom. Tai Yi will work with what caused the meridians to not function effectively. When one simply treats a symptom, the cause will not be resolved. One needs to work on the cause and then the symptom will dissipate.

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f you haven’t been in to visit Moxie, Monument’s newest boutique, you’ll definitely want to add it to your “to do list.” It’s a really fun, girly shop with something for every personality and occasion.

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ShawNa continued, “We have met so many new friends and gotten such great response and feedback that we are feeling really positive. Our son Luke says it’s the ‘most beautiful store in the world.’ Spoken like a true seven year old!”

ShawNa also has a Blessing Tree in the store. Anyone who donates a dollar or more, can write something that they are thankful for on a blessing card and hang it on the tree. All donations go to support Tri Lakes Cares. They are hoping to one day have a huge tree, covered in cards in the

Whether you are looking for the perfect gift, or just feel like spoiling yourself, we have something to fit every occasion and personality. Stop in and check out the collections by Mariposa, K Hall, Beth Quinn, Rabbit Moon, BlaBla, Patsy’s Candies, and many more.

10% OFF with this ad Located next door to 3-Margaritas 1761 Lake Woodmoor Drive 719-375-5438

ShawNa, Reed and Luke

middle of the store.

The Schotanus’ are very committed to providing excellent customer service and to making sure that your shopping experience is relaxing and enjoyable. Their goal is to continue to bring in fresh, unique collections and more local artist’s work.

They are also planning some fun workshops and events in the coming months.”

www.MoxieStyles.com

LEARNING THROUGH PLAY COME JOIN MISS YVONNE FOR FUN AND LEARNING

Moxie is open Monday through Saturday from 10-6.

• Infant Toddler

You can also visit their website at: www.MoxieStyles.com

• Arts and Crafts

• Pre-School

• Books - Storytime

• Pre-K

READY FOR A NEW LOOK? Extensions Great Cuts Hi-lites Low-lites

$25 OFF

• Trips - Library, Park, Hikes

Yvonne Shaw 719-481-0454 • 719-522-3424 • ymshaw1@aol.com

Expert Hair Stylists

• • • •

Qualifications: State Licensed Daycare, First Aid, CPR, AED, Medication Cert.,8 yrs. Pre-school - 3rd grade Sunday School Teacher, D-38 School Bus Driver - CDL License, Mother of 5 Grown Children.

• Before and After School

HAIR COLOR & PERMS

Gina Forero, B.M., M.S.

By Karey Owner/Stylist

New Clients Only

LOOKING FOR A FULL OR PART-TIME STYLIST WE HAVE AN IN-SHOP BARBER

The Juilliard School New York, NY

Walk-ins Welcome • (719) 481-3265

Piano Performance & Instruction BEGINNER to ADVANCED

251 North Front St. #5 , Monument next to the Coffee Cup Cafe

ginaforeropianostudio@yahoo.com

7

719-337-7742

QUALITY GOODS & SERVICES Double

J

DOG

Boarding Kennel

SAFE • CLEAN • SECURE County Line Rd. Double J

Walker Rd.

Black Forest Rd.

✪ Thompson Rd.

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Owners on Site - 24 Hour Supervision

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 125 Second St.

Historic Downtown Monument

719-481-0250 www.TrollbeadsTrail.com

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

By Appointment: 495-1774

THE PLACE FOR GREAT BIRTHDAY GIFTS FREE Gift Wrapping

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

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

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

Once you’ve tried our service, you’ll know why we’re called CUSTOMER’S CHOICE Call today for a FREE quote 487-9713 or 351-7476

PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ® POSSIBLE!

MOMENTS IN TIME THE HISTORY CHANNEL

• On Aug. 11, 1921, Alex Haley, author of “The Autobiography of Malcolm X” is born in Ithaca, N.Y. Haley’s next novel, “Roots” (1976), was a fictionalized account of his family’s history, traced through seven generations. The novel was translated into 37 languages and won a special Pulitzer Prize.

• On Aug. 10, 1937, the electric guitar was recognized by the United States Patent Office with the award of Patent No. 2,089.171 to G.D. Beauchamp for an instrument known as the Rickenbacker Frying Pan. • On Aug. 13, 1952, “Hound Dog” is recorded for the first time by rhythm-andblues singer Ellie Mae “Big Mama” Thornton, a native of Montgomery, Ala., who started her professional career in 1941 at the age of 14. Four years later, Elvis Presley also had a hit with the song.

• On Aug. 15, 1969, a press party to promote the building of a professional recording studio in the vicinity of Woodstock, N.Y., turns into the biggest music festival the world had ever seen. The outdoor con-

cert was expected to draw less than 5,000 people; instead, the Woodstock Music and Art Fair attracted a crowd of 500,000 over three days.

• On Aug. 9, 1974, Richard M. Nixon officially resigns as the 37th president. Minutes later, Vice President Gerald R. Ford was sworn in as the 38th president of the United States. After taking the oath of office, President Ford spoke to the nation in a television address, declaring, “My fellow Americans, our long national nightmare is over.”

• On Aug. 14, 1985, Michael Jackson takes control of the publishing rights to the vast majority of the Beatles’ catalog for $47 million, outbidding Paul McCartney himself. In the years that followed, the catalog -- estimated to be worth in excess of $1 billion -- allowed Jackson to remain solvent by serving as collateral for several enormous personal loans.

• On Aug. 12, 1990, fossil hunter Susan Hendrickson discovers three huge bones jutting out of a cliff near Faith, S.D. They turned out to be part of the largest Tyrannosaurus rex skeleton ever discovered, a 65 million-year-old specimen dubbed Sue, after its discoverer. (c) 2010 King Features Synd., Inc.

8

®

SNIPPETZ : THE LOCAL SCOOP

Celebrate the Arts

1. Second Street Art Market and Wine Bar 366 Second Street “A” 719.488.2506 2. Monument Ride Center 366 Second Street “B” 719.488.5761 3. Nationwide Flooring and Design Center 366 Second Street “D” 719.488.9447 4. Bella Casa 155 Second Street 719.559.4133 5. Margo’s on the Alley 215 Chapala Plaza 719.487.1406 6. Prickly Pear 135 Second Street 719.531.7418 7. Santa Fe Trail Jewelry 125 Second Street 719.481.0250 8. Covered Treasures Bookstore Corner of Second and Washington 719.481.2665 9. Luna Hair Studio and Spa 267 Washington Street 719.358.7961 10. Paradise Ponds & Landscaping 213 Washington Street 719.481.2355

11. Bella Art & Frame 183 Washington Street 719.487.7691 12. BeXpressed 183 Washington Street 719.266.2338 13. Wisdom Tea House 65 Second Street 719.481.8822 14. La Casa Fiesta 230 Front Street 719.481.1234 15. The Love Shop 251 Front Street “13” 719.598.3348 16. Retrospect Dry Goods 251 Front Street “8” 719.487.8817 17. The Bead Corner 251 Front Street “4” 719.487.9900 18. PurpleMountain Jewelry 251 Front Street “4” 719.487.0444 19. Black Faced Sheep Home Décor 251 Front Street “2” 719.481.4182 20. Secret Window Fine Art Gallery and Floral Studio 47 Third Street 719.481.9600

Thursday, Aug 19

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.

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

9

SNIPPETZ® THE LOCAL SCOOP / HEALTH You probably didn’t know, though, that when he was born in Quebec he was named Gwyllyn Samuel Newton Ford.

The inspiration for his stage name was the town of Glenford, Canada.

• Those who study such things say that every day in the world, 62 square miles of land becomes desert.

By Samantha Weaver

• It was American actress and comedian Lily Tomlin who made the following sage observation: “Man invented language to satisfy his deep need to complain.”

• According to Henry Heimlich, the inventor of the abdominal thrust technique known as the Heimlich Maneuver, the food upon which people most commonly choke is peanut butter straight out of the jar.

• Astronauts on the International Space Station see the sun rise every 90 minutes.

• You’ve probably heard that Eskimos have 50 words for different types of snow, but you might not realize that their language doesn’t have a word for just plain snow.

• You might recall Glenn Ford, an actor from Hollywood’s Golden Era, from such films as “3:10 to Yuma,” “Blackboard Jungle” and “The Big Heat.”

• When groups of shrimp end up with too few males to sustain the population, some of the females turn into males.

• Michael Crichton is best known as an author and screenwriter, and most of his fans are aware of the fact that he was a medical doctor, as well. It’s interesting to note, however, that as an undergraduate student he majored in anthropology.

• If you’re like 80 percent of Americans, you will experience some kind of back trouble at least once in your lifetime.

• Businesswoman Mary Kay Ash, before she founded the Mary Kay Cosmetics empire, sold encyclopedias door-to-door. *** Thought for the Day: “To err is human, but to really foul things up you need a computer.” -- Paul Ehrlich (c) 2010 King Features Synd., Inc.

  Robyn Graham, LMT 212 N. Washington St., Suite A in the Chapala Bldg in Monument

719-216-4421 Specializing in SWEDISH & DEEP TISSUE MASSAGE Physical Benefits of Massage Therapy: - Increases circulation, boosting the flow of oxygen and energy-producing nutrients to your cells - Speeds elimination of metabolic waste and excess fluids from congested tissues, and reduces inflammation - Drains build-up of lactic acids caused by vigorous exercise - Relieves tension, stiffness and fatigue - Decreases muscle pain by releasing endorphins, your body’s natural pain killers - Reduces muscle spasms - Speeds healing of pulled muscle tissues and strained ligaments

- Increases joint flexibility and efficiency of movement by releasing tight muscles and stimulating the production of natural joint lubrication - Relieves tension-related headaches and eye strains - Calms the central nervous system - Balances and improves incorrect posture by releasing restrictions in muscles, joints and connective tissues - Assists in strengthening the immune system for disease prevention by relieving stress and increasing lymph flow - Facilitates circulation to internal organs - Treats secondary pain that can outlast the original cause (ie: headaches from eyestrain; low back pain from pregnancy)

10

Emotional & Mental Benefits of Massage Therapy: - Reduces effects of stress and anxiety, preventing burn-out and stress related diseases - Increases capacity for clearer thinking, alertness and ability to focus - Provides a relaxed state of awareness of mind-body connection and a sense of being unified and in harmony - Enhances self-image - Because of the stress reduction effects of massage, it is an excellent supportive therapy for people in counseling or treatment for addictions.

Massage as a Complement to Chiropractic Care: - Together with chiropractic care, massage facilitates the body’s natural healing process by keeping the body in proper alignment and ensuring a free flow of nerve impulses and circulation of fluids - Releases muscles and tendons to help prevent and correct subluxations of the vertebrae - Before a chiropractic treatment, massage warms, loosens and prepares the muscle tissues for an easier adjustment - After a chiropractic treatment, massage soothes and relaxes the muscles, allowing the adjustment to hold longer

SNIPPETZ® HEALTH AND WELLNESS

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

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Come into our location at 1737 Lake Woodmoor Drive (719) 487-1979

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

Individualized treatment for:

College students can enroll for $0.00 and $30.00 a month membership dues.

Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma

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DEAR DR. DONOHUE: I am confused about how much water to drink when exercising in hot weather. I learned that you should drink all the time during exercise, even when you aren’t thirsty. Now they tell me that drinking too much affects your brain and can cause death. What’s the story here? -- M.F. ANSWER: This has to be one of those “it depends” answers. How much water or any other fluid is needed in hot water depends on how hard is the exercise, how long you do it, how heavily you sweat, how hot it is and how acclimatized you are to heat. It takes two weeks to acclimatize to heat. After two weeks, less sodium and potassium are lost in sweat.

Formerly, the advice for fluids was to drink

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frequently even if you didn’t feel thirsty.

That’s overkill. You can let thirst be your guide most of the time. Older people have a somewhat blunted thirst sense, so they might have to remind themselves to drink in exceptionally hot weather.

IN HOT WEATHER, HOW MUCH WATER IS ENOUGH?

719-592-1365

To stay hydrated during heavy physical activity or exercise, drink 12 to 16 ounces of fluid three to four hours before exercise.

The fluid can be plain water. It’s also a good idea to take a salty snack before exercise -- pretzels, peanuts or crackers.

During activity, drink about every 20 minutes, as much as your thirst tells you.

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

gave me prescriptions for eardrops and pain medicine. She didn’t say much to me about this. She was in a hurry to see other patients. Will you explain to me what otitis externa is? -- P.P.

the pain leaves, or the infection can return.

I know what you mean about the doctor being busy. Managed care has doctors on such tight schedules that the doctor-patient relationship is often lost.

ANSWER: It’s an infection of the ear canal, that small tunnel (about 1 inch long) that runs from the external ear to the eardrum. It’s the place where wax forms. Infections of the canal come about for a variety of reasons. They always hurt, and they sometimes cause a foul drainage.

*** 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.

Be sure to use the eardrops -- which, I’m sure, are antibiotic drops -- for as long as the prescription says to. Don’t stop when

If your activity lasts longer than two or three hours and if you sweat heavily, then you have to pay attention to your salt intake. Marathon runners taught us this. A few marathoners died from drinking only water during hot-weather races. Doing so lowers body sodium. That’s hyponatremia, and it can be serious. Headache, vomiting, swollen ankles and feet, fatigue far out of the fatigue usually felt and disorientation are some of the signs of hyponatremia.

Sports drinks with sodium in them can prevent hyponatremia. You can make your own replacement fluid by adding 1 tablespoon sugar, 1/8 teaspoon salt and 1 tablespoon orange juice to an almost-filled 8-ounce glass of water. You have to make enough to last for the whole exercise session. *** DEAR DR. DONOHUE: My right ear began to throb so bad that I had to see a doctor. She said I have otitis externa, and

11

(c) 2010 North America Synd., Inc. All Rights Reserved

NOW OPE N!

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Locally operated Disclaimer : Monument Marketplace GNC only. One time use only. Available at Monument Marketplace GNC. Cannot be combined with any other offer or in conjunction with GNC Gold Card discount. Excludes hot buy items. One coupon per person. Coupon must be presented at time of purchase. Valid through October 31, 2010.

SNIPPETZ : REAL ESTATE ®

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.

Tim Buxton In practice for over 20 years Extensive courtroom experience Served 11 years in the United States Air Force as a Judge Advocate General

Article by Robyn Graham Keller Williams Real Estate, LLC

What’s been Selling in the Tri-Lakes Area?

Sommer Luther In practice for over 6 years.

Board Member – Colorado Trial Lawyers Association

L

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.

Complete Sold Stats - July 2010 AUTO ACCIDENTS

Thank you “Reader Mike” for your request for more home information on each home. I realize we’re all wondering what our homes are worth in this crazy economic time. If any of you would like a free Market Analysis of your home, please feel free to email me your address and pertinent information.

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

PREMISESLIBRARY LIABILITY OF ALL PAST ARTICLES:

www.SpringsRealtyTalk.com Slipfurther and Fall information, please feel free to call For Constructi on Defect Robyn Graham at Keller Williams Real Estate 719-216-4421 Negligent Care or email Homes@RobynGraham.com

PERSONAL INJURY Bike Accident Dog Bites Pedestrian Accidents Wrongful Death

MEDICAL MALPRACTICE

n

Misdiagnosis Birth Trauma Inappropriate Treatment Negligent Procedure

0 Colorado Springs Injury Law Office

n his your on.

1230 Tenderfoot Hill Road, Suite 305 Colorado Springs, Colorado 80906 Phone: (719) 471-2104 Fax: (888) 543-0928 Email: ColoradoSprings@BuxtonLuther.com

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

Denver Injury Law Office 7375 East Orchard, Suite 300 Greenwood Village, Colorado 80111 Phone: (800) 435-0586 Fax: (888) 543-0928 Email: Denver@BuxtonLuther.com

Contact The Injury Law Office of Buxton & Luther, P.C. for a free case evaluation

12

SNIPPETZ

SNIPPETZÂŽ CLASSIFIED 6 LINES â&#x20AC;˘ Only $5 A Week (minimum 5 weeks)

Call: 719-487-0484 ÂŽ

Snippetz Classified ads will run a minimum of five consecutive weeks unless otherwise arranged. Classified ads must be received no later than Wednesday before 12:00 pm in order to appear in the following weekâ&#x20AC;&#x2122;s issue. We reserve the right to refuse or edit ads for any reason deemed necessary.

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

HELP WANTED

FURNITURE FOR SALE All in like-new condition: Glass top dining room table and chairs; dining room china hutch; dual-recliner sectional sofa; large executive desk; conference table & chairs; full-size bed and matching dresser â&#x20AC;&#x201C; antique; queen-size mattress, box spring, metal frame & more. Email: movingeast2010@gmail.com for more info & pics.

HELP WANTED PINZ is looking for new front desk and cafĂŠ staff. Applicants must be high school graduates and able to work nights. Prior short order cooking experience is recommended for the cafĂŠ position; prior customer service and/or retail experience is recommended for the front desk position.

Please stop by to fill out an application.

PINZ 855 Highway 105 Palmer Lake.

GARAGE SALE

GARAGE SALE Moving to East Coast, gotta sell. Sat & Sun 8/14 & 8/15. 10:00 AM â&#x20AC;&#x201C; 5:00 PM both days. PLEASE do not come before 10:00 AM. Furniture, books, DVDs, pictures, other household goods. 233 Upper Glenway, Palmer Lake. Email: movingeast2010@gmail.com for more info.

HOUSE for RENT

EXPERIENCED COOKS NEEDED Please apply in person @ Coffee Cup CafĂŠ 251 Front St. Monument PART-TIME KENNEL HELP German Shepherd Breeder 10-15 Hours Per Week $9.50 Per Hour Looking for Person to Commit Long Term (303) 660-9000

FULL-TIME EXPERIENCED HAIR STYLIST WANTED In Monument Call Expectations Salon (719) 488-9203

LOOKING FOR HOME TO RENT Two adult, responsible women with dog and cat.

2 bedroom / 2 bath / 2 car garage.

Some storage space. Privacy / Acreage a plus. On or near Palmer Divide Ave. or east of Monument and Palmer Lake.

JoAnn (303) 814-7215 joanneisom@aol.com or Phyllis (303) 710-0962 phyllislbrown@aol.com

NEWER STUCCO RANCHER IN MONUMENT! 3 bedrooms / 2 baths / 2 car gar.

Open kitchen & living room. Skylight, vaulted ceilings, ceiling fans. Backyard opens to open space. $199,000 Call Chip - (719) 291-1836

AFFORDABLE HORSE BOARDING Boarding available on 12 acres west of Monument. Barn, locked tack room, pasture and grass hay. $200 summer, $300 winter. Maximum of 4 horses boarded.

Call Rick on 481-6660

ible and drugs. Once you reach amount, the doughnut hole kicks in, and thereâ&#x20AC;&#x2122;s no more help until you pay $4,550 out of pocket. Then your coverage starts again.

Once you hit that amount, the government will send you a check for $250 in about six weeks.

D

The Medicare coverage gap works like this: You must spend $2,830 for your deduct-

Thankfully, this amount is going to go up.

Until 2020, the Affordable Care Act dictates that the doughnut hole will get smaller and smaller until it disappears. And soon those who get Medicare and who are in the doughnut hole will be able to get a 50 percent discount on certain medications.

Meanwhile, if youâ&#x20AC;&#x2122;re in the doughnut hole, there are a few ways to get help. Ask your doctor if you can switch to generics. Find out if any drug companies are offering help

AUTO SALES

h9OUR (OMETOWN !UTO $EALERv

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RETURN ON YOUR MONEY You are invitedâ&#x20AC;Ś.

To join us for our next â&#x20AC;&#x153;freeâ&#x20AC;? seminar. â&#x20AC;&#x153;Market Mover Tradingâ&#x20AC;?

Date: August 25th, 2010 Time: 6:00PM Place: Tri Lakes Business Incubator Located West of I25 and south of Baptist Road at 14960 Woodcarver Road Colorado Springs, CO, 80921

PALMER LAKE HOUSE FOR RENT 4 Bedrooms, 2 Baths. Large Back Yard.

Family Room, Living Room Dining Room/ Den Combo. New Paint & Carpet Walk to Elementary School $1150/month - 719-660-2914

HORSE BOARDING

id you receive a $250 check from the government? Chances are that means youâ&#x20AC;&#x2122;re in the no-manâ&#x20AC;&#x2122;s land of the doughnut hole -- also called the Medicare Part D coverage gap -- along with the 300,000 others who also received the check. The money is to help with drug costs.

LEARN HOW TO GET A BETTER

HOUSE FOR RENT IN PALMER LAKE 3 bedrooms / 1 3/4 baths. Family room, wood stove, deck, fenced yard.

Pets welcome. $1,000/mo. Available August 1st.

(719) 648-9462

HOUSE for SALE

ARE YOU DUE A $250 CHECK?

CLASSIFIED

Peter D. Bille

WANTED TO RENT

FOR SALE

CRAFTING SALE Sat & Sun 7/31 & 8/1. 10:00 AM â&#x20AC;&#x201C; 5:00 PM both days. PLEASE do not come before 10:00 AM. Hundreds of Stampinâ&#x20AC;&#x2122; Up! stamp sets from 1998 through 2006, paper, inks, Creative Memories scrapbooking supplies, much more. Gotta sell â&#x20AC;&#x201C; moving back East. 233 Upper Glenway, Palmer Lake. Email: movingeast2010@ gmail.com for more info.

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

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Market Moving Traders

GETTING A BETTER RATE OF RETURN

A

s we all know, interest rates are at or near an all time low. I am not talking about the rate you can borrow money at. I am talking about the rate that banks and other financial institutions are paying you. Return rates for interest bearing checking accounts average under 2 tenths of a percent (0.2%), while savings accounts average under 1% and the one year CD rate is under 1.5%. These rates are not even keeping up with inďŹ&#x201A;ation, which is currently averaging over 2% for 2010. Add (or withdraw) the income tax you will pay on these gains and you stand to make little or next to nothing on your money.

Here at Market Mover Trading (MMT) we teach people how to get a higher rate of return on the money they have in these types of accounts. We are not brokers or financial advisors. We are a group of investors that trade on specific economic news. We trade for only a few minutes per day and only when we know there is going to be a movement in the market.

Most people have a reason for why they are not currently invested in the stock market on their own. They have tried and lost.

They know or heard of someone that was a trader who lost everything. They do not understand how the stock market works and it scares them.

with the cost of your drug at the Patient Assistance Program. Put that name in the search box at www.medicare.gov. Also check the state program. If your income is very low, call Social Security at 1-800772-1213 for help programs.

Beware the scammers, as usual. Theyâ&#x20AC;&#x2122;re trying to convince seniors that the check wonâ&#x20AC;&#x2122;t arrive without an application, which the scammers will fill out for a fee. Meanwhile, theyâ&#x20AC;&#x2122;ll ask for your personal information, bank account number and Social

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The one thing we know for sure with the stock market is that it is going to move up or down. So at any given time you can invest and have a 50/50 chance of making money. At MMT we teach strategies on how to enter the market at the correct time to make a profit whether the market is moving up or down.

So please join us for a complete overview of what MMT has to offer. The seminar is free and there is no obligation on your part. We provide the information in a very relaxed atmosphere. We do not employ strong arm sales tactics and you will not be pushed to make a decision during or after our presentation.

Our next Seminar is Wednesday August 25th at 6:00PM. We will meet at the Tri Lakes Business Incubator located just West of I-25 and south of Baptist Road at: 14960 Woodcarver Road Colorado Springs, CO, 80921 Please RSVP to peter@marketmovingtraders.com We look forward to seeing you there.

Check us out on the web www.marketmovingtraders.com

Security number. Donâ&#x20AC;&#x2122;t fall for it. If anyone approaches you with this offer, report them. Call 1-800-633-4227 (the Medicare number) as well as your local police.

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) 2010 King Features Synd., Inc.

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13

At Market Mover Trading we teach people to become traders and help them take the guess work out of trading. We work off of data and statistical analysis to come up with highly probable outcomes.

719.488.6729 707 County Line Rd. Palmer Lake, CO

Specializing in SUBARU Repairs

SNIPPETZ

®

DINING GUIDE

Family Owned and Operated

Catch all your MLB Games Here!

Live Music Every Tuesdays And Saturdays Open Mic Night Wednesdays 23 Craft Beers on Tap!

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OFFERING AN EXPANDED GLUTEN FREE MENU!

Another Pint

DINE ON OUR PATIO THIS EVENING

American Ale House

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Weekday Special

$2.99 Breakfast!

Great Value and Specail Changes Daily!

Active Duty / Retired Military Discount

Mon thru Fri @ Both Locations!

OPEN 4:30PM - 9:00PM • CLOSED TUESDAY

Casual Dining - Family Atmosphere

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

AVAILABLE FOR PRIVATE PARTIES, WEDDING AND REHEARSAL DINNERS

99¢ Sliders!

at Both Locations!

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Buy one Lunch or Dinner Entree

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SNIPPETZ DINING GUIDE ®

THE FIRST ANNUAL "RIDE THE DIVIDE" POKER RUN A SUCCESS!

M

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine

otorcycles and more motorcycles!

There were plenty of them. Rosie’s Diner along with “R” Rockyard, Tri Lakes Printing, S&S Storage, Wheel Works, First National Bank and many other sponsors put on their first annual “Ride the Divide” poker run with all proceeds benefiting a local charity.

GLUTEN FREE - Pizza, Pasta, Sauces

This first year, the riders were happy to present a check for $1,576.00 dollars to Tri Lakes Cares.

Riders came from as far away as Missouri and Kansas to take part in this inaugral event and enjoy some of Colorado’s wonderful scenery along the 262 mile ride which started at Rosie’s and ran to Penrose, Salida, Buena Vista, Green Mountain Falls and ended in Palmer Lake.

website: http://www.bellapanini.com

This event is only going to get bigger and better next year.

Guess who’s celebrating their 10 year anniversary? You guessed right Daddy-O, Rosie’s Diner! Rosie’s has served our community well since opening it’s doors in 2000. Whether it be mom’s home made meatloaf, mouth-watering burgers or a delicious hand made milk shake – the true Americana diner experience is felt here and Rosie’s has something for everyone!

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

Serving Anne & Mann’s Gourmet Ice Cream

Local owners, A.B. and Anne Tellez are planning a big celebration for Rosie’s 10 year anniversary on Sunday, August 22nd with their second car show of the summer, featuring live rock n roll music by our local Monument band “Reckless”, Elvis and Marilyn appearances, balloon animals and face painting for the kids, “Big Daddy’s” famous hot dog eating contest (winner takes $100 cash), hulla-hoop contest (winner takes $50 cash), or just hanging out and enjoying some really cool rides!

So make plans to attend this great celebration of our local eatery and have some fun with the family.

Shakes • Malts • Cones • Sundaes • Banana Splits Root Beer Floats • Chicago Style Hot Dogs Bratwurst • Soups • Chili HOURS: 7 DAYS A WEEK: 10:00AM - 10:00PM 24 Hwy. 105 in Palmer Lake

Rock House Ice Cream

488-6917

www.rockhouseicecream.com

A HERO, A CHAMPION

By Nick Yanez

www.eatatrosies.com

SERVING Breakfast • Lunch • Dinner

Car Show #2 August 22nd

“10 Year Anniversary”

411 Hwy. 105 • Monument, CO 80132

(719) 481-3287

I

magine for a moment you are trapped in a net; a big net. Your feet are tangled in the rope, and your body is hanging hopelessly in the air. Eventually the villain who captured you will appear, and it is certain that your demise will soon follow. You start breathing heavy, panicking. Then of course, you use your slightly loose arms to search your pockets. Maybe you’ll have a knife, a set of keys, or anything with a sharp edge that could help you saw your way to freedom. Of course, you have no such luck. All you have in your pocket is a silly rubber band.

BUT WAIT! You aim the rubber band at the empty can of beer the lame henchman left on a table. The can is lying right next to the button that is the key to your release.

You take aim. Pull back. You shake, but then collect yourself and steady your hand. You release a perfectly shot rubber band, knocking the can into the button and dropping the

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net. You are free. Free to save the world!

Where would one learn such important life skills? Well, I’m glad I asked for you. You can practice your ‘rubber band shooting at beer can’ skills (along with other important talents essential to your existence) on Sunday, August 15th at Rodz Bar & Grill (Located at Pinz) from 12pm-4pm. Yes, it’s the Pinz Barlympics, where inspiration and aptitude will fill the tavern air. YOU could be one of several “athletes” participating in skill competitions such as stacking apples, and fishing a lamp shade over your head blindfolded. There will be an assortment of treasures for the winning contestants; and there’s plenty of ‘shwag’ to go around.

The Barlympics take place this Sunday on the patio. There will be fruitful competition and free hot dogs for bar patrons. Don’t miss your chance to a hero; a champion; and an inspiration. Be a “Barlympic Athlete”.

For more information on the Barlympics, the gravity of the event, or the list of nations competing in the global phenomenon, contact Pinz at (719) 487-7469

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

1. ADVERTISEMENTS: What was the name of the finicky eater in the Nine Lives cat-food commercials?

2. LITERATURE: Who is the author of the best-seller “Roots”?

3. TELEVISION: What was the setting for the “I Dream of Jeannie” TV show?

4. GEOGRAPHY: What was the Netherlands’ basic currency before it adopted the euro?

5. ABBREVIATED TITLES: What is an M.P.?

6. ARCHITECTURE: Who designed St. Paul’s Cathedral in London?

7. HOLIDAYS: What holiday is celebrated on July 14?

8. MOVIES: In “Forrest Gump,” what was the nickname of Forrest’s best friend in the Army?

Sports Quiz

By Chris Richcreek

1. Sparky Anderson was the first manager to win a World Series with both an A.L. and an N.L. team. Name the teams and the years.

2. In 2008, Mike Mussina became the oldest major-league pitcher to win 20 games in a season for the first time.

How old was he?

3. Who is the only two-time winner of The Associated Press’ NFL Comeback Player of the Year Award?

4. Which two teams hold the NCAA mark in men’s basketball for consecutive conference victories?

5. When was the last time before the 2009-10 NHL season that the Chicago Blackhawks won a division title?

6. Name two of the three drivers to be in both the Indy 500 and the Co-

9. ASTRONOMY: What is the first planet beyond Saturn in our solar system?

ca-Cola 600 in the same day.

10. MEASUREMENTS: What does the Mercalli Scale measure?

record for most wins by a doubles

(c) 2010 King Features Synd., Inc.

(c) 2010 King Features Synd., Inc.

7. Entering 2010, who held the ATP combination?

1. Name the girl group that had a No. 1 hit with “Will You Still Love Me Tomorrow?”

2. “Standing in the Shadows of Love” was a hit for which group?

3. Name the artist who was in both Megadeth and Metallica.

4. Who released “Walk Like an Egyptian,” and when?

5. Who is Robert Thomas Velline, and how did he get his start?

6. Who had a hit with “Da Ya Think I’m Sexy?” What was the year? (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 (17).

Special features include nearly an hour of deleted footage and two commentary tracks: A new track with Terry Zwigoff, and a commentary track from 2006 with Roger Ebert and Zwigoff.

New DVD Releases for Week of August 9, 2010 PICKS OF THE WEEK “Crumb” (Criterion Collection) (Unrated) -- Director Terry Zwigoff’s documentary of underground comics legend Robert Crumb is like a geek’s “Grey Gardens.” Not only is this a brilliantly loving portrait of a man who almost singlehandly created the underground comics movement, it is also a moving insight into Crumb’s bizarre and troubled family.

It’s worth mentioning that one of Crumb’s closest friends, comics artist Harvey Pekar died on July 12 and also was the subject of the magnificent documentary/biopic: “American Splendor,” which stars Paul Giamatti as Pekar. Even if you aren’t a comics fan, you simply must watch these films. They are more than just a rundown of the artists’ works, they are great movies in their own right.

“Max Headroom: The Complete Series” (Unrated) -- Finally! The ground-breaking, cult cyberpunk series from the 1980s is now on DVD. Both seasons, all 14 episodes, digitally remastered. Matt Frewer stars as Edison Carter, an investigative journalist in a dystopian near-future where television networks control every aspect of civilization -- including the

government. While investigating a network’s subversive scheme to control society using Blipverts (1-second commercials), Carter’s consciousness is uploaded to a computer, creating the manic, rogue element known as Max Headroom.

“Max Headroom” was a show ahead of its time and was no match in the ratings against powerhouses like “Dallas” and “Miami Vice,” so it was canceled after a few episodes of its second season.

WORTH A RENTAL “Date Night” (PG-13) -- Steve Carell and Tina Fey star in this uneven farce about a New Jersey couple who hope to add a little spark to their ho-hum marriage by having a date night in the city, but wind up being mistaken for another couple who are blackmailing a crooked politician. So, what could’ve been a hilarious film about a couple dealing

16

with all the frustrations that go with trying to get around New York (a la “The Out-ofTowners”), we get a ridiculous, unbelievable chase movie that makes absolutely no sense.

What saves “Date Night” are the performances by Fey and Carell. Their chemistry and comedic timing elevate a poor script and make the film watchable. I wouldn’t recommend this DVD as something you’d want in your collection, but it’s worth a rental.

TV SERIES “Adam-12” Season Five “Numb3rs” The Complete Series “Raw: The Beginning” The Best of Seasons 1 & 2 “Trauma” Season One “Minder” Season Three (c) 2010 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

LIBRA (September 23 to October 22) Your sense of humor can brighten any dark period, and your laughter can dispel those gray clouds swirling around you. The weekend presents a surprising but welcome change.

TRIVIA TEST ANSWERS 1. Morris 2. Alex Haley 3. Cocoa Beach, Florida 4. The guilder 5. Member of Parliament 6. Sir Christopher Wren 7. Bastille Day 8. Bubba 9. Uranus 10. Intensity of earthquakes

AUGUST 9, 2010 ARIES (March 21 to April 19) Avoid adding to the tension around you. Even a well-meant reaction against something you perceive as unfair could be misunderstood. Let things calm down, and then talk about it.

SPORTS QUIZ ANSWERS 1. The Cincinnati Reds (1975, ‘76) and the Detroit Tigers (‘84).

2. He was 39.

3. Quarterback Chad Pennington (2006, 2008).

4. Kentucky (1945-50) and Memphis (2006-10), both with 64.

5. The Blackhawks won the Norris Division crown in the 1992-93 season.

6. John Andretti, Robby Gordon and Tony Stewart.

7. Todd Woodbridge and Mark Woodforde, with 61.

FLASH BACK ANSWERS 1. The Shirelles, in 1961. The song was covered by many others, including Lesley Gore, Neil Diamond and Roberta Flack.

2. The Four Tops in 1966. Though the song made Rolling Stone magazine’s list of 500 greatest songs, it never climbed higher than No. 6 on the charts.

3. Dave Mustaine was a guitarist and songwriter in both groups.

4. The Bangles, in 1986.

5. Bobby Vee. He was asked to fill in at the last minute on that fateful day (Feb. 3, 1959) when Ritchie Valens, Buddy Holly and The Big Bopper were killed in a plane crash on the way to their next gig.

6. Rod Stewart, in 1978.

TAURUS (April 20 to May 20) It’s a good time for romance for unattached Bovines, and a good time for reinforcing the bonds between partners. Children’s needs are important during the latter part of the week.

GEMINI (May 21 to June 20) A compliment from a surprising source sends you wafting way up into the clouds, where -- sorry to say -- your view of what’s going on is obscured.

Come on down and face some reality.

CANCER (June 21 to July 22) Even a family-loving person like you sometimes can feel you’re at the end of the line with contentious kinfolk. But things can work out. Remember that it’s better to talk than walk.

LEO (July 23 to August 22) A job-related move might hold more positive surprises than you’d expected. Go into it with confidence, and look for all the advantages it offers. Then decide what you’ll do with what you find.

VIRGO (August 23 to September 22) Driving yourself too hard to get something done on a deadline you set up can backfire. Ease into a more realistic finish date, and add more breaks to your work schedule.

17

SCORPIO (October 23 to November 21) Be careful about the words you use, especially in touchy situations. The old Chinese saying that the spoken word is silver, but the unspoken gold could well apply here.

SAGITTARIUS (November 22 to December 21) Some facts could emerge to shed light on unresolved past problems. What you learn also might help explain why a once-warm relationship suddenly cooled down.

CAPRICORN (December 22 to January 19) Don’t let your pride get in the way of checking into what could be a great new opportunity. Get the facts first, and worry about procedure and protocol later.

AQUARIUS (January 20 to February 18) A health problem in the family might have other relatives assuming that, as before, you’ll take over the health-care duties. Surprise them and insist they share in the caretaking.

PISCES (February 19 to March 20) A series of changes can be unsettling, but in the long run, it can pay off with new perspectives on what you plan to do. Keep your mind open to the possibilities that might well lie ahead.

BORN THIS WEEK: You might be under a “royal” sign, but you have a wonderful way of embracing everyone as an equal.

(c) 2010 King Features Synd., Inc.

SNIPPETZÂŽ BUSINESS AND FINANCE

LEARN ABOUT THE MARKET WITH

FINANCIAL FOCUS TOD Agreement Can Reduce Hassles for Heirs

A FREE CUP OF COFFEE.

Provided by Adam Grayson of EdwardJones Investments

A Youâ&#x20AC;&#x2122;re invited ... to join us at our next coffee club meeting.

Discussing current updates on the market and the economy in a relaxed, informal setting is a great way to get to know one another. Plus, the coffeeâ&#x20AC;&#x2122;s on us.

Please join us at the next meeting of our coffee club and bring a friend.

Date: August 19, 2010 Time: 9:00 a.m.

Place: Serranos Coffee Shop, 582 Highway 105, Monument, Colorado Adam R Grayson, AAMSÂŽ Financial Advisor .

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

www.edwardjones.com

Member SIPC

mong the reasons you work hard all your life may be so you can leave something to your children, grandchildren or other family members. So, naturally, youâ&#x20AC;&#x2122;d like to make it as easy as possible for your heirs to take possession of those assets you want them to have.

And thatâ&#x20AC;&#x2122;s why you may want to consider establishing a Transfer on Death (TOD) agreement on certain accounts.

Once youâ&#x20AC;&#x2122;ve established a TOD agreement for your account, ownership of the assets held in that account pass directly to the designated beneficiaries, bypassing probate. Why is this important? Because probate has three major drawbacks: Itâ&#x20AC;&#x2122;s time-consuming. If your estate has to go through the probate process, it could easily take a year or more for your assets to be distributed to your heirs.

Itâ&#x20AC;&#x2122;s expensive. Attorney and court fees could devour up to 5% of your estateâ&#x20AC;&#x2122;s value â&#x20AC;&#x201D; which means fewer assets going to your loved ones.

Itâ&#x20AC;&#x2122;s public. The probate process is open to everyone. This means anyone can obtain a copy of your will, the names and contact information for your heirs, the inventory of assets and other documents filed as part of the probate proceeding.

As you can see, youâ&#x20AC;&#x2122;ve got some good reasons to avoid probate â&#x20AC;&#x201D; and a TOD agreement can help. Of course, a TOD agreement canâ&#x20AC;&#x2122;t meet all your estate-planning needs. While it may be particularly useful in helping you bequeath specific financial assets, such as stocks, bonds and other assets held in your brokerage accounts, it canâ&#x20AC;&#x2122;t help you deal with

And thatâ&#x20AC;&#x2122;s why you also may want to consider creating other estate-planning tools, such as a revocable living trust. Similar to a TOD agreement, a revocable living trust allows you to leave assets to your heirs without going through probate. Furthermore, when you set up a revocable living trust, you can control your assets during your lifetime and determine how they will eventually be distributed to your heirs. You could, for example, have money distributed to your children or grandchildren in installments, over a period of years. Many people like having this ability, especially if they are unsure of the money management skills or maturity level of their heirs. Plus, a properly established revocable living trust will carry out your wishes if you become incapacitated. Be sure to consult with your legal advisor to see if a revocable living trust is appropriate for you.

While a TOD agreement canâ&#x20AC;&#x2122;t take the place of all estate-planning tools, it can complement them. And a TOD agreement offers another feature that can prove valuable: ďŹ&#x201A;exibility. Specifically, you can revoke or modify your TOD agreement at any time in response to changes in your life or family circumstances.

To determine if a TOD agreement is appropriate for your needs, contact your tax advisor or legal professional.

Itâ&#x20AC;&#x2122;s taken you many years to accumulate your assets, so take some time to help ensure they end up where you want them to go.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, its employees and financial advisors do not provide tax or legal advice. Please consult with your qualified professional regarding your situation.

For additional information, contact:

Adam Grayson 755 Hwy.105, Ste M-4 â&#x20AC;˘ Palmer Lake, CO

719-481-4964

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SNIPPETZ BUSINESS / COMMUNITY CALENDAR

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Monument Art Hop Third Thursdays of each month May through September 5:00 - 8:00 pm The galleries, restaurants and boutiques of historic downtown Monument stay open until 8:00pm for a celebration featuring art openings and other special events. Visit www.monumentarthop.org for more information including monthly shows and events.

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

719.488.9395

The Original Monument Farmer’s Market Wednesday - Liberty Hts. - 6/23-10/6 Saturday - Monument Plaza - 6/26 thru 10/2 Sunday - Palmer Lake - 7/4 thru 10/3 Special Events At Peak Ranch Alpacas (719) 232-8509 - 19850 Beacon Lite Rd/Monument Events For The Whole Family *Alpaca Tours*Fiber Demos*Alpaca Boutique*10-4pm* September 25th- National Alpaca Farm Day With Contemporary Jazz Artists DOTSERO!

lisa@lwslawfirm.com • www.lwslawfirm.com

DIVORCE / FAMILY LAW

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Fight Like A Girl - Women’s Self Defense Freedom School of Martial Arts / August 21 - 9am - 12pm A New Approach to Self - Defense for Women! Ages 13 and up. Perfect for girls on their way back to high school or college! $40 Visit www.sabrinafrankenberg.com for more details. Call or email us with any questions!

719.237.8842 Rosie’s 10 Year Anniversary Car Show Sunday, August 22nd at Rosie’s Diner - 411 Hwy. 105, Monument

13540 Northgate Estates Dr., #200

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

2010-2011 Pikes Peak Youth Ringers auditions August 24 and August 26 - 4 p.m. to 8 p.m.

Gateway Presbyterian Church - 731 Castle Road, Colorado Springs, CO 80904 CALLING YOUTH HANDBELL RINGERS! Children in grades 5-12 who have experience ringing in a handbell choir and love to perform are invited to audition for the 2010-2011 Pikes Peak Youth Ringers advanced and intermediate groups. The 15-minute open audition includes sight reading music and a short interview. Auditions are done as solos, but are open for anyone to observe. Reservations are required. Location: Gateway Presbyterian Church Time: 4:00-8:00 p.m. Date: August 24 and August 26 Information: Susan Hedgpeth, (719) 233-2668; youth@pikespeakringers.com Wonderland Ranch Music Series August 28th - 11am to 7pm Wonderland Ranch - Black Forest - Hodgen/Volmer Celtic/Scottish Music Festival.

Wonderland Ranch is an old time private 30 acre park. Wonderlandranch.com

BNI - BUSINESS NETWORK INTERNATIONAL IS PROUD TO ANNOUNCE...

The local Tri Lakes Chapter passed nearly $1/2 million worth of business between their members last year...and we’re growing. Why not join the Showcase Chapter of this BNI right here in your own Tri-lakes region? BNI is the largest “Givers Gain” business networking association in the world. Only one of a “type” of business permitted so you and your business has a monopoly! Your “reach” for giving and receiving referrals and business can extend to the whole of Colorado through BNI and since we are so active, well organized and positive you can be assured of success! Call Roberta Brunner 719 321 9600 to find out if your business qualifies and for an invite to our breakfast meeting on Wednesdays at the Inn at Palmer Divide, at the edge of Palmer Lake

Labor Day Weekend End of Summer Bash Southwinds Fine Art Studio Gallery, 16575 Roller Coaster Road

J A D E

HIGH SCHOOL MUSICAL A PRODUCTION FOR THE ENTIRE FAMILY

(August 1, 2010--Colorado Springs, CO)--Looking for some good, clean fun for the entire family? Or a great back-to-school event for the kiddos? Well, look no further! The Front Range Theatre Company and TriLakes Center for the Arts are proud to present HIGH SCHOOL MUSICAL from August 26 through August 29 at Tri-Lakes Center for the Arts.

Planning is your best protection against the unexpected Featuring superb local acAuto • Home • Life • Commercial tors, High School Musical is a modern adaptation of RoAll Your Recreational Vehicles meo & Juliet, and revolves David Prejean around two high school 1840 Deer Creek Rd juniors from rival cliques – Troy Bolton captain of the Suite 103C Monument basketball team, and Gawww.farmersagent.com/dprejean • dprejean@farmersagent.com

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Children’s Music/Family Day September 11th - 10am to 4pm Wonderland Ranch - Black Forest - Hodgen/Volmer Live children’s musical entertainment/workshops/games and story teller. wonderlandranch.com HMMA Annual Chili Cook-Off and Tasting Saturday, September 18 Get out your secret chili recipe, chop some chilies and fire up the stove!

Cook a pot of chili and enter the annual HMMA Chili Cook-off. Food vendors, music and fun for the entire family! An annual event that benefits local causes including the beautification of Historic Downtown Monument and Tri-Lakes Cares, the Chili Cook-Off and Tasting is one of Monument’s most popular events. Community Chili Teams will Shoot It Out for Awards and Prizes. Your vote will determine the People’s Choice Awards. Chili Tasting and Baked Spuds are available along with cold craft beer from Bristol Brewing and HOT live music. This year the Chili Cookoff takes place at the corner of Second and Front Streets in Historic Downtown Monument. For more information, please contact vmynhier@ townofmonument.net Do You Dish Out a Mean Chili? Take a group of your favorite friends, co-workers, club members, relatives, poker buddies, sewing circles, etc., and mix well. Add your groups’ knowledge of the best darn chili this side of the Palmer Divide. Stir contents in Historic Downtown Monument. Entry fee is $35 per team. Call Vicki Mynhier at 719.460.4179 for more information.

Palmer Lake Art Group’s 37th Annual Christmas Arts and Crafts Fair Historic Palmer Lake Town Hall in Palmer Lake Saturday, Oct 2 and Sunday, Oct 3 Saturday 9am to 5pm and Sunday 10 a.m. to 4 p.m.

This free-admission event will be located in the quaint 72 year-old Palmer Lake Town Hall, across from the Village Green, just off Highway 105 in Palmer Lake, Colorado. The Palmer Lake Art Group Annual Christmas Crafts Fair is a must do! To quote one distinguished guest “It’s a! s if I entered a Norman Rockwell painting!” The juried show assures high quality and has earned the annual event an excellent reputation. A wide variety of items available for purchase will include pottery, glass, wood, jewelry, basketry, fiber art, paintings, and fabric items plus a wide selection of baked goods. Proceeds are used to fund art scholarships for Tri-Lakes area students.

EVENT PLANNING

FRONT RANGE THEATRE COMPANY PRESENTS

719•434•7031

September 3, 4, 5 - 10 am to 8 pm This is a come one, come all family event with free food, LIVE MUSIC, fun and door prizes. We will be serving hot dogs and brats during each day. Come on out and enjoy a day of art while also satisfying your hunger. Southwinds Fine Art, 16575 Roller Coaster Road, corner of Baptist/Hodgen Road and Roller Coaster Road. 719 481-6157. More details cal! l Michael Couillard 719 651-7722

• Birthdays • Graduations • Weddings • Anniversaries • Retirement

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

Whole Party Planning or Just a Little Help Resources Reasonable Rates References

237-0796 • 440-9489 briella Montez, a beautiful and shy transfer student who excels in math and science. Together, they try out for the lead parts in their high school musical, and as a result, divide the school. Despite other students’ attempts to thwart their dreams, Troy and Gabriella resist peer pressure and rivalry, inspiring others along the way not to “stick to the status quo”.

Tickets are $12 for students/seniors and $15 for adults and can be purchased at www.crplayers.org or www.trilakesarts.org. You may also call The Front Range Theatre company at 303.814.7740 or Tri-Lakes Center for the Arts at 719.481.0475. Show times are listed on the websites.

The Front Range Theatre Company is a nonprofit organization that offers high-quality live theatre by and for adults, seniors and youths, as well as summer camps for youths between the ages of 10-18. Front Range Theatre Company performs throughout El Paso County and parts of Douglas County. For more information go to: www. crplayers.org.

Tri-Lakes Center for the Arts creates community partnerships for demonstrating, teaching, exhibiting and promoting the arts and humanities. The center is an advocate for artistic growth in our community. We offer programs that benefit residents, business owners, students, artists, art lovers and all who are inspired by the arts.

Tri-Lakes Center for the Arts is located at 304 Hwy 105 in Palmer Lake. For more information, go to: www.trilakesarts.org

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