Snippetz Issue 576 by Funder Enlightening, Inc.

n Ip pe t z

™

WEEKLY MAGAZINE

FREE WEEKLY

SNIPPETZ DIALS UP A BIT OF

TELEPHONE TRIVIA by Deborah Stumpf

ISSUE 576 • NOVEMBER 12, 2012

“One ringy-dingy. Two ringy-dingies. A gracious good morning to you. Have I reached the party to whom I am speaking?” -Lily Tomlin as Ernestine the Phone Company Operator

emember the days of live telephone operators? It wasn’t that long ago that advanced technology made live operators obsolete and replaced them with those warm and fuzzy computers. It was Sept. 1, 1878 that the first female telephone operator, Emma M. Nutt, was hired by the Telephone Dispatch Company of Boston, Mass. Up until that time, teenage boys were hired as telephone operators which proved to be a poor decision made by the

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Telephone Trivia... Continued on Page 2

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SNIPPETZ WEEKLY MAGAZINE

THIS WEEK IN SNIPPETZ

Printing | Design | Direct Mail

FEATURE ARTICLES

Banners & Signs | Decals & Vehicle Wraps

Snippetz Dials Up a Bit of Telephone Trivia... 1 “How Will You Spend Your $20.91?” Senior News Line... 5 Moments In Time... 8 Strange But True... 9 “Zoom to Your Zenith” Your Weekly Kick in the Pants! by Ron Ross... 17 “How to Build a Great Linkedin Profile” Series 4, Article 13 Web Chat by Robyn... 18

HEALTH 6 “Hot Flashes Can Last Into the 70s” To Your Good Health... 6

make your vision a reality... 15706 Jackson Creek Parkway, Monument • 719.488.2544 • www.trilakesprinting.com

HOME AND GARDEN “Growing Herbs Indoors” Macie’s Garden... 7 “Firewood Tips” This Is A Hammer... 7

THE DINING GUIDE “Holiday Dining with Diabetes: Crispy Roasted Chicken” The Kitchen Diva... 9

PUZZLES, TRIVIA, ENTERTAINMENT

12-13

Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope)

COMMUNITY CALENDAR PAGE 15

CLASSIFIED

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GREAT BARGAINS Find Your Treasure! Business / Employment Opportunities

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even slightly late for work. They were also paid much less than the boys that worked as operators, only about $7 per week for 60 plus hours of work.

Telephone Trivia... Continued from Page 1 phone company. Apparently, boys were too boisterous, smoked excessively, played dice, participated in horseplay, used profane language amongst themselves and with the public, and were generally not inclined to provide good customer service!

THE TELEPHONE HAS COME A LONG WAY BABY Where would we be today without the telephone? We’ve gone from operators manually connecting talking parties by switchboard cables to outside cable to cordless phones, cell phones and fax machines.

Hiring Emma Nutt was a complete success for the Telephone Dispatch Company. So much so that by the end of her first day they hired her sister Stella and continued to hire women for the job. Emma loved her job so much that she stayed with it for 33 years.

Even though Alexander Graham Bell was credited with the invention of the telephone, Elisha Gray applied for the same patent on the exact same day – Feb. 14, 1876. Gray was only two hours later than Bell. She successfully built the electromagnet receiver in 1874, but it was Bell who designed a workable transmitter.

Over time the operators became so familiar with their customers that they were requested to provide wake-up calls, acted as timers when the cake needed to come out of the oven and provided babysitting services for a parent who could leave the house with the phone lying close by a crib.

On March 6, 1876, Bell called to his assistant in another room using his new device, “Come here, Watson, I want you.” The rest, as they say, is history beginning with the Bell Telephone Company, which later became AT&T. Elisha Gray founded Western Electric,

MA BELL

“Social Security?” In God We Trust... 19

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In order to entice young females to accept jobs as telephone operators, the phone company positioned itself as being protective of the young women who would come to work. Hence, the nickname “Ma Bell.” Only unmarried women between the ages of 17 and 26 were accepted for the job and were treated very much like children – they had to ask permission to go to the bathroom, take a break or even get a drink of water. They were punished for being

which became one of the Bell Telephone Company’s major competitors. Western Union was not to be left out of the competitive frenzy as it was already in the communications business with its telegraph system. All three companies’ systems were incompatible with each other while they competed in the communications business. In Great Britain, Thomas Edison received a patent for the receiver called the electro-motograph. This was a crank style phone that required continuous cranking to keep the line open. In 1880, Bell’s transmitter and Edison’s receiver were combined.

REACH OUT AND TOUCH SOMEONE Permanent outdoor telephone wiring covered only three miles when it was first strung in 1877, ushering in the beginning of the first commercial telephone service in Hartford, Conn. In 1883, the first telephone system, called an exchange, connecting two cities was between Boston and New York.

Telephone Trivia... Continued on Page 3

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www.shelterinsurance.com/michaelahlers Telephone Trivia... Continued from Page 2

In 1906, Dr. Lee De Forest began working on amplifying radio waves and installing ‘audions’ at points along the telephone wires to amplify sound waves. The Bell Company purchased the rights to his patents in 1913 and installed long distance service between New York and San Francisco. William Gray of Hartford, Conn. patented the first coin operated pay telephone in 1889. We see less and less of them in the 21st century given the emergence of the cellular telephone. The familiar rotary dial phones were replaced by the touch-tone system in 1941. Due to the expense of these phone systems, they were only used in a central switching office until the early 1960’s when they were finally introduced into home phone systems. This faster form of dialing was introduced to the public at the Seattle World’s Fair in 1962.

Cordless phones were introduced around 1980, but did not become popular until the 1990’s due to poor reception and sound quality. There were only 10 channels allowed by the FCC and a buyer was assigned one channel when purchasing the telephone. Once the telephone was hooked up at home, it would search for a base, which could easily be a neighbor’s. You could have a three-way conversation with neighbors who might be on the same frequency. You could also make long distance calls while using your neighbor’s base. Guess who got the bill for that? This might not be considered being a good neighbor. When the higher frequency 900 MHz phones were introduced, they cost nearly $500 each. It took until the year 2000 before one could purchase a cordless phone for under $100.

November 23-25, 2012 Josep Caballé-Domenech conductor with Ballet Idaho Tchaikovsky’s holiday masterpiece is the holiday tradition! Bring the whole family to see Clara, the Sugarplum Fairy, the Mouse King, and over 150 dancers!

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MOVING ALONG The mobile telephone was installed in Telephone Trivia... Continued on Page 4

Friendship International Annual

CHRISTMAS TREE SALE Opens November 23

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15 years of providing the Tri-Lakes community with the best selection of quality Christmas trees! Also Featuring Fresh Wreaths - Garland - Boughs

Purchases make a difference in someone’s life. Each year a portion of proceeds goes to Tri-Lakes Cares. Thanks to local sponsors, trees are given to families in our community who would not otherwise be able to afford them. Thanks to the following sponsors: Cold Water Media Monument Cigars Monument Motors Our friends at McGuire Village Peak Roofing Team Pete Mills Allstate Agency Serranos Coffee Company Tri-Lakes Enterprises, LLC BUY EARLY!

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Telephone Trivia... Continued from Page 3 New York City police cars as early as 1924 and the first commercial service began in 1946 using radio frequencies. After the Federal Communications Commission (FCC) was created in 1934, it regulated radio frequencies and determined that only essential agencies were given frequency priority, such as emergency services. There was not much interest or competition in mobile technology due to the limits placed by the FCC. It wasn’t until 1978 that AT&T started testing a cell system which was based on an automatic switching system that would transfer a call from cell to cell as a vehicle moved. The demand for mobile/cellular service was so high that there were one million cell phone users by 1987.

In 2011, there reportedly were over 800 million smartphone users. What do people do on a smartphone? Well, just about everything. It would have been hard for many of us to imagine that one day we would be using our telephones to take photographs, surf the Internet, shop, play games, research job openings, read the newspaper and send text messages.

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104B Hwy. 105, Palmer Lake Eventually these two companies merged and shared systems and telephone lines. •

SOME RINGING FACTS •

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Emma Nutt, the first female telephone operator, had quite a sense of humor. She often said that she was thankful that her parents didn’t name her Imma.

•

AT&T choreographed a hostile takeover of Western Union Telegraph Company in 1911 by purchasing Western Union stock through one of its subsidiaries.

Mary Moore was one of the first voices of the Bell System recordings, followed by Jane Barbe who is now known as the “Telephone Lady.” Her voice announces busy circuits, disconnected numbers, etc. The first phone service was installed at the White house in 1878. Herbert Hoover was the first U.S. President to have a telephone on his desk. The emergency hotline to the Kremlin was established in 1984.

•

Thomas Edison coined the word “hello” in 1889. Until operators used hello, the telephone was answered “Yes” or “Well, are you there?” or “Number, please.”

•

“Hello, my name is…” In 1880 the first Telephone Operators Convention was held at Niagara Falls. The first “Hello” badges were used for operators attending the convention. • For $47.50 you could have a transatlantic wedding in 1933. The first recorded was with a bride in Sweden and a groom in Michigan.

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of 2.5 percent to 3 percent that’s taken place in 2012. It takes several months for that type of disaster to impact food prices. It says that for 2013, “inflation should be above the historical average for food categories such as cereals and bakery products, as well as other foods.”

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or 2013, Social Security recipients will get a whopping 1.7 percent increase in their monthly checks starting in January. Only a few times since 1975 has that rate of increase been so low. For a person who receives the average $1,230 per month, that increase will amount to $20.91 extra.

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The small increase is due to the Consumer Price Index, which Social Security adjustments are based on. The U.S. Department of Agriculture says the index increased just 1.7 percent overall in the fiscal year ended Sept. 30, 2012.

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The “experts” don’t shop at my grocery store. What they apparently haven’t seen is that store prices already are rising ... quickly. And that’s not all. Medical care has gone up 4 percent this year. Gas for the car rose 6 percent. Rents and utilities also have risen. Meanwhile there’s the coming rise in Medicare Part B. That cost comes out of your Social Security check before you even get it. It’s estimated that the additional cost each month will be in the $7 range -- one-third of the Social Security adjustment. When you run all the numbers, I think we’re already spending our average $20.91 increase. 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) 2012 King Features Synd., Inc.

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they are not used for their antidepressant action. It’s an example of medicines that have more than one function. Neurontin (gabapentin) is a seizure-control medicine that is also used for control of hot flashes. Hot flashes that have lasted as long as yours call for a consideration of conditions other than estrogen deprivation. An overactive thyroid gland, a hidden infection and two unusual tumors -- carcinoid and pheochromocytoma -- are examples of illnesses that produce symptoms similar to a hot flash. *** DEAR DR. DONOHUE: I am 84 years old. Recently I had a CT scan of my abdomen. It revealed multiple diverticula in the sigmoid colon. Will you please explain diverticulitis to me, and what I can expect from it? -- H.T.

Individualized treatment for: Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma

ANSWER: It’s said that 8 percent of women still have hot flashes into their 70s. Most women get over them in six months to five years after menopause. The drop in estrogen production that occurs with menopause affects a part of the brain that regulates body temperature. The brain’s thermostat is thrown out of whack, and the result is spells of sudden, uncomfortable warming with sweating. Let me give you the usual recommendations made for control of hot flashes. I’m pretty sure you must have tried them after more than 20 years of putting up with flashes. Dress in layers so that outer garments can be shed at the first inkling of a hot flash. That can keep it from becoming a full-blown one. Keep ice water on hand and drink it at the start of a flash. Cut back on caffeine. Slow, deep breathing at the onset of a flash is said to minimize it. Estrogen, which you have tried, is the most effective treatment for flashes. It should be taken in as low a dose as possible for the shortest time possible. Maybe a different estrogen preparation would work for you. Effexor and Lexapro, two antidepressants, have met with success in suppressing hot flashes for some women. Here

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HOT FLASHES CAN LAST INTO THE 70S DEAR DR. DONOHUE: Will you please tell me if there is something I can take to get rid of hot flashes? I am 74 and have them all the time. I sweat terribly. I have tried Estrace (female hormone), Estroblend (a dietary supplement) and black cohosh (an herbal remedy). -- M.B.

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ANSWER: You don’t have diverticulitis. You have diverticulosis -- small, pea-size protrusions of the colon lining on the outer surface of the colon. Between 50 percent and 80 percent of people your age have the same condition. Diverticulosis almost never causes pain. It hasn’t caused any trouble in your past. It’s most unlikely to cause you any trouble in the future.

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Diverticulitis is inflammation of diverticula. It happens to only a few people with diverticulosis. Fiber also will prevent inflammation from developing.

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The booklet on diverticulosis explains this common malady in detail. To order a copy, write: Dr. Donohue -- No. 502W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery.

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*** 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.

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leaves is often a sign that your herbs are getting too much water or aren’t receiving enough drainage. Finally, our dry winter air, especially in our homes, can also make it difficult for our herbs to flourish. Try setting your herbs on top of a tray full of pebbles and fill it with water. That way they can benefit from some humidity. That’s it! These three things really can make a huge difference in how your herbs perform!

GROWING HERBS INDOORS

here is absolutely nothing like having fresh herbs on hand to cook with. They can really make a dish special. Like fresh basil in a caprice salad or fresh thyme in chicken noodle soup! But buying fresh herbs at the store every time you need them can sure add up and growing your own can prove to be equally frustrating if your herbs aren’t happy. If you know how to make them happy however, you can have fresh herbs on hand anytime you need them and save a little money too. The first and most critical tip is providing the right light. Herbs need a substantial amount of light. At least eight hours of bright light is ideal, preferably from a south facing window. If your herbs start to look stretched out or their leaves are pale or falling off than you probably need to find a brighter spot. After all, what good is growing herbs if there aren’t any leaves to cook with? The other important, very important, factor is water. Isn’t it always? Make sure that you plant in a quality potting soil and use a pot with very good drainage. Yellowing

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the logs, allows it to dry quickly after a rain storm, and reduces the number of insects that take up residence in the stack, as well as discourages rodents from creating nests in it.

You can find a variety of fun herbs to try at your local garden center as plants or seed. Many perennial herbs like thyme, chives or mint can be divided in the fall and brought indoors. Many annual herbs can also be brought in for the winter like rosemary, basil, or pineapple sage. If you’ve never grown pineapple sage, try it! It smells amazing and you can make a really wonderful tea from its leaves. And if you notice after you’ve brought herbs indoors that they have acquired a few hitch hikers than spray them heavily with a mixture of soap and water. If you prefer a ready to use spray from your local garden center make sure it is organic and can be used on edibles.

FIREWOOD TIPS Q: Last year, we ordered a cord of firewood, but the weather was so warm that we barely used half of it in our fireplace. Is the remaining half still good to use this winter? -- Frank in Marlborough, Mass. A: Stored correctly, firewood can last for several seasons if need be, so your remaining half-cord should be fine for use this winter. It has continued to season and is probably much drier than it was last year, meaning it will likely catch and burn faster.

Aside from adding flavor to your favorite dishes herbs provide essential vitamins and minerals. Growing fresh herbs inside also provides your home with a fresh, warm feeling that only a living plant can bring.

Large amounts of firewood that will be stored through the winter and into the next cold season generally should be kept several feet from the house at minimum. The wood should be kept off the ground -- loaded on a pallet or a storage rack -- and stacked evenly. This creates good airflow between

Pineapple Sage Tea Bring water to boil and pour over ½ cup sage leaves Add lemon and honey to taste Steep for 20 minutes Bring mixture to boil once more and strain into tea cups

How much firewood you should purchase and store each year is entirely up to you. I’ve often passed homes in the Northeastern countryside that have several cords of neatly cut wood stacked underneath the crawlspace of outlying barns, sheds, or sometimes even the houses themselves. In suburban and urban areas, this is probably not acceptable to the neighbors or may violate local ordinances. Plan to have no more than two winters’ worth of firewood stacked near your house. The amount depends on how much you use your fireplace, and whether it is a necessity to warm the home or just a decorative element. HOME TIP: Order firewood from a source as close to your home as possible, to prevent pests -- particularly tree-killing insects -- moving from one area or region to another.

VOLUNTEER DRIVERS NEEDED To support those in need of transportation to and from necessary appointments in the Tri Lakes area.

Macie McCord

McCord’s Garden Center and Landscaping 780 Hwy 105 Palmer Lake, CO 80133

Please contact:

Tri Lakes Community Foundation, T59

719-246-6495

719-375-3573 7

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MOMENTS IN TIME THE HISTORY CHANNEL

put on â&#x20AC;&#x153;the same level as Jews and placed in concentration camps.â&#x20AC;? Himmler was determined to prosecute Nazism racial policies, which dictated the elimination of all races deemed â&#x20AC;&#x153;inferiorâ&#x20AC;? and â&#x20AC;&#x153;asocial.â&#x20AC;?

â&#x20AC;˘ On Nov. 12, 1864, Union Gen. William T. Sherman orders the business district of Atlanta destroyed before he embarks on his famous March to the Sea through Georgia to prevent the Confederates from recovering anything once the Yankees had abandoned it.

â&#x20AC;˘ On Nov. 13, 1953, a member of the Indiana Textbook Commission calls for the removal of references to the book â&#x20AC;&#x153;Robin Hoodâ&#x20AC;? from textbooks used by the stateâ&#x20AC;&#x2122;s schools. She claimed that Robin Hood was a communist because he robbed the rich and gave it to the poor.

â&#x20AC;˘ On Nov. 16, 1901, a low-slung car called the â&#x20AC;&#x153;Torpedo Racerâ&#x20AC;? -- basically a square platform on bicycle wheels -- breaks the world speed record for electric cars in Coney Island, N.Y., by going 1 mile down the straight dirt track in just 63 seconds. Thatâ&#x20AC;&#x2122;s about 57 mph. Today the world speed record for an electric vehicle is about 245 mph.

â&#x20AC;˘ On Nov. 17, 1968, the Oakland Raiders score two touchdowns in nine seconds to beat the New York Jets -- and no one sees it. In a debacle which would become known as â&#x20AC;&#x153;Heidi Bowl,â&#x20AC;? with just 65 seconds left to play, NBC broke away from the game to air its previously scheduled programming, the movie â&#x20AC;&#x153;Heidi.â&#x20AC;?

â&#x20AC;˘ On Nov. 14, 1914, in Constantinople, capital of the Ottoman Empire, the religious leader Sheikh-ul-Islam declares an Islamic holy war on behalf of the Ottoman government, urging his Muslim followers to take up arms against Britain, France, Russia, Serbia and Montenegro.

â&#x20AC;˘ On Nov. 18, 1987, a fire in a London subway station kills 30 commuters and injures scores of others. At the Kingâ&#x20AC;&#x2122;s Cross station in London, people began to smell smoke coming from beneath one of the stationâ&#x20AC;&#x2122;s escalators. It was later revealed that debris and grease had built up under the escalator.

â&#x20AC;˘ On Nov. 15, 1943, Heinrich Himmler makes public an order that Gypsies are to be

SNIPPETZ WEEKLY MAGAZINE ®

Larkspur

It was not always such a posh locale, however; in 1920 the population was 674, and most of the land was given over to bean fields.

by Samantha Weaver

• It was Scotsman Bertie Charles Forbes, journalist and founder of Forbes magazine, who made the following sage observation: “There is more credit and satisfaction in being a first-rate truck driver than in being a tenth-rate executive.” • The prospectors of 1849 might not have realized it, but you’re more likely to find a 5-carat diamond than a 1-ounce nugget of gold.

• All joking aside, those who study such things say that natural blondes tend to have more difficulty driving than those whose hair is of a darker hue -- at night, anyway. The reason? Most natural blondes also have blue eyes, which aren’t as good as brown eyes at shielding out light. This means that blondes tend to be more easily blinded by the headlights of oncoming cars.

• Everybody dreams. Those who claim that they never have dreams just don’t remember them.

• Coffee beans are actually seeds. The fruit of the coffee tree is called a cherry and are said to be delicious. They spoil too quickly to be marketed effectively, though, so only the seeds are used.

Thought for the Day: “Any frontal attack on ignorance is bound to fail, because the masses are always ready to defend their most precious possession -- their ignorance.” -- Hendrik Willem van Loon

• Beverly Hills, Calif., is one of the most affluent areas of the country.

oliday dining and celebrations are a culinary challenge for most Americans, especially those with diet-related illnesses. While I’m not a diabetic, my family medical history provides a cautionary tale. The American Diabetes Association estimates that 23.6 million people in the U.S. have diabetes, but only 17.9 million people actually have been diagnosed. This means approximately 5.7 million people have diabetes and don’t know it. Because so many Americans -- in-

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• When a professional football player retires, there’s a 50-50 chance he’ll get divorced within a year.

• You might be surprised -- and, depending on your temperament, terrified -- to learn that bats can fly at speeds up to 60 mph. Some can even reach altitudes of 10,000 feet.

HOLIDAY DINING WITH DIABETES

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cluding my husband, mother, father, youngest sister and many other family members and friends are diabetics -- I decided to collect 150 of my favorite, healthy recipes and create “The Kitchen Diva’s Diabetic Cookbook: 150 Healthy, Delicious Recipes for Diabetics and Those Who Dine With Them.” Throughout “The Kitchen Diva’s Diabetic Cookbook,” I’ve prepared recipes suitable for a diabetic that also are satisfying for non-diabetics. I use these recipes when entertaining family and friends.

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Diabetes symptoms vary depending on how high the blood sugar is elevated. Some people, especially those with prediabetes or type 2 diabetes, may not experience symptoms initially. In type 1 diabetes, however, symptoms tend to come on quickly and be more severe. Although type 1 diabetes can develop at any age, it typically appears during childhood or adolescence. Type 2 diabetes, the most common type, can develop at any age and often is preventable.

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Continued on page 11

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Holiday Dining with Diabetes continued from page 9

Some of the signs and symptoms of type 1 and type 2 diabetes are increased thirst; frequent urination; extreme hunger; unexplained weight loss; the presence of ketones in the urine (ketones are a byproduct of the breakdown of muscle and fat, which happens when there’s not enough insulin); fatigue; blurred vision; slow-healing sores; mild high blood pressure; and frequent infections, such as gum or skin infections and vaginal or bladder infections. This recipe for Crispy Roasted Chicken is from “The Kitchen Diva’s Diabetic Cookbook.” It’s easy and delicious, and provides a healthy meal for diabetics and those who dine with them during the holidays ... and every day!

CRISPY ROASTED CHICKEN This is one of my family’s favorite chicken dishes. I usually prepare it for Sunday dinner after church and for holiday celebrations. Sprinkling the skin with baking powder helps draw out the moisture, so the skin gets crackling crisp in the oven. 1 (5 1/2 to 6 pound) whole chicken, or 5 pounds breast, drumsticks and thigh parts 1/2 tablespoon baking powder 1 tablespoon olive oil 2 tablespoons garlic powder 2 tablespoons poultry seasoning 1 teaspoon salt 1 teaspoons freshly ground black pepper 1 small onion, halved 1 lemon, halved 8 sprigs rosemary 4 cloves garlic cloves, smashed 2 teaspoons minced fresh thyme Cooking oil spray 1. Remove the neck, giblets and any pieces of fat inside of the bird. Rinse the bird with cold water inside and out. Remove any excess fat and leftover pin

feathers. Pat the chicken dry with paper towels. Sprinkle the chicken skin (breast side only) with the baking powder. Place the chicken on a roasting rack in a large baking pan and let it airdry in the refrigerator for 30 minutes. Pat the chicken dry with more paper towels.

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2. Spray a large baking pan with cooking-oil spray. Rub the olive oil all over the chicken. Turn the chicken breast side up, twist the wing tips and tuck them behind the bird. Sprinkle the chicken inside and out with the garlic powder, poultry seasoning, salt and pepper. Rub the spices inside and out of the bird, or if using parts, on both sides. Stuff the cavity with the onion, lemon, rosemary, garlic and thyme, or place aromatics under the chicken parts

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3. Preheat oven to 425 F. Place the chicken in the upper half of the oven and cook, uncovered, for 15 minutes to brown and crisp the skin. Lower the oven temperature to 350 F. Spray the chicken with the cooking-oil spray. Roast the chicken for an additional 35 to 40 minutes, or until the juices run clear when a thigh is pierced with a knife, or an instant-read thermometer inserted in the thigh and not touching bone registers 165 F.

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Angela Shelf Medearis is an awardwinning children’s author, culinary historian and the author of seven cookbooks. Her new cookbook is “The Kitchen Diva’s Diabetic Cookbook.” Her website is www.divapro.com. To see how-to videos, recipes and much, much more, Like Angela Shelf Medearis, The Kitchen Diva! on Facebook and go to Hulu.com. Recipes may not be reprinted without permission from Angela Shelf Medearis. Chalupa Supreme

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SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

Sports Quiz

By Marge Svenson

1. LANGUAGE: What is the meaning of the Latin prefix “demi”? 2. HISTORY: Who wrote the political book “The Prince” during the Renaissance? 3. ASTRONOMY: What phase of the moon is opposite of crescent? 4. LITERATURE: What was the real name of the author who assumed the pen name of George Orwell? 5. ART: What are the three primary colors? 6. MUSIC: What is indicated by the musical notation “estinto”? 7. GEOGRAPHY: What state lies directly east of Utah? 8. GENERAL KNOWLEDGE: What is the traditional birthstone for June?

By Chris Richcreek

1. Who hit the most major-league home runs during the decade of the 1940s? 2. Two Minnesota Twins pitchers had 20-win seasons during the 1990s. Name them. 3. Who holds the NFL mark for most field goals in a season, and how many? 4. When was the last time before 2011-12 that the Indiana Hoosiers men’s basketball team started a season 10-0? 5. Name the only NHL team other than Edmonton (2010-12) to have the No. 1 overall draft pick three consecutive seasons.

9. MEASUREMENTS: The watt, a unit of electrical power, was named for what famous inventor?

6. Which was the first country to win back-to-back Euro titles in men’s soccer along with a World Cup in between.

10. ETIQUETTE: Properly speaking, who should host a wedding shower for a bride?

7. Who were the world heavyweight boxing champions before and after Rocky Marciano’s 1952-56 reign?

1. Who were Boyce and Hart? 2. Name the group that wrote and released “The Letter.” 3. Which artist got a start with a band called Steel Mill? 4. Name the female artist who was born Anna Mae Bullock. 5. Identify this song lyric: “Take your silver spoon and dig your grave.” (c) 2012 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) you can find the answers and solutions to the trivia and puzzles to the next page (13).

By Sam Struckhoff

New DVD Releases for Week of November 12, 2012 PICKS OF THE WEEK “Brave” (PG) -- Pixar’s latest release goes into a mythical Scottish setting to tell the story of a headstrong, red-haired lass. Merida (voiced by Kelly MacDonald), is a princess who doesn’t want to do the whole princess thing. Merida tries to thwart her own arranged marriage. When that doesn’t work, she tries to use dangerous magic to change her fate. While “Brave” has its strong points, it falls short of Pixar’s greatest hits. The pacing

can get on your nerves, for example. The tone can get a little dark. It’s not enough to scare the kiddos or keep them from enjoying the tale. It’s a pleasant departure from the typical princess story with a good helping of slapstick comedy and amazing visuals. “Savages” (R) -- Oliver Stone directs this summertime crime epic about a trio of pretty, young marijuana moguls who go to war with the big bad Baja Cartel. Chon (Taylor Kitsch, short-haired handsome dude) and Ben (Aaron Johnson, longhaired handsome dude) are living large in Laguna Beach with their shared squeeze, Ophelia (Blake Lively, vacant-looking blonde). Brutal drug lord, Elena (Selma Hayek) wants a piece of their pot profits, so she sends in her minion, Lado (Benicio Del Toro.) Stone knows how to keep you watching. Hayek’s evil narco-empress is chilling and

also very hot. However, Lively was given voice-over duty, and her voice and the things she says soon become tiresome. You may wish you didn’t want to keep watching. “The Watch” (PG-13) -- Four suburban guys (Vince Vaughn, Ben Stiller, Jonah Hill and Richard Ayoade) looking for an excuse to hang out form a neighborhood watch and wind up in a showdown with alien invaders. It’s a simply silly concept that could pass or fail based on the comedic riffing of the stars. It’s a fail. The jokes are lazy, the script is tedious. Whether it was the acting or the direction, the funny men just aren’t at their best. There’s no room for wit or originality to blossom when the script is overflowing with anatomy jokes. “Pixar Short Films Collection 2” -- As much as Pixar has a great record with feature films, it also knows how to put a lot of heart and art into a featurette. This collec-

tion of animated shorts includes “La Luna,” “Day and Night” and “Presto.” Each one is about five minutes of high-quality animation. The shorts were released with major Pixar films, but this collection puts them on one disc and adds value. The collection also includes older shorts from Pixar’s animators and creative directors, as well as information about how they got their start.

TV RELEASES “Teenage Mutant Ninja Turtles: The Complete Classic Series Collection” “Doctor Who: Series Seven -- Part One” “Lost Girl: Season Two” “Duck Dynasty: Season 1” “Friends: The Complete Series” [Blu-ray] “Dance Moms: Season 2, Volume 1” (c) 2012 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS

LIBRA (September 23 to October 22) Your attempt at mediating disputes might meet some opposition at first. But once you’re shown to be fair and impartial, resistance soon gives way to cooperation.

1. Half 2. Niccolo Machiavelli 3. Gibbous 4. Eric Arthur Blair 5. Red, yellow and blue 6. So soft that it can hardly be heard 7. Colorado 8. Pearl 9. James Watt 10. A friend of the bride

NOVEMBER 12, 2012

ARIES (March 21 to April 19) Your work requires increased effort during the next few days. But it all will pay off down the line. Things ease up in time for weekend fun with family and/or friends.

SPORTS QUIZ ANSWERS 1. Ted Williams, with 234. Johnny Mize was second, with 217. 2. Scott Erickson (1991) and Brad Radke (1997). 3. San Francisco’s David Akers had 44 in 2011. 4. It was 1989-90.

TAURUS (April 20 to May 20) Your genuine concern for others could prompt you to promise more than you can deliver. It’s best to modify your plans now, before you wind up overcommitted later. GEMINI (May 21 to June 20) A situation that seems simple at first glance needs a more thorough assessment before you give it your OK. Dig deeper for information that might be hidden from view.

5. The Quebec Nordiques (1989-91). 6. Spain (2008-12). 7. Jersey Joe Walcott before, Floyd Patterson after.

FLASH BACK ANSWERS 1. Tommy Boyce and Bobby Hart produced hits for many major groups in the 1960s, but were best known for the songs they wrote for The Monkees. The duo created more than 300 compositions and sold 42 million records. 2. The Box Tops. The first line of the song, “Give me a ticket for an aeroplane,” was a throwaway mentioned by the father of a bandmember. “The Letter” was a No. 1 hit in 1967 and later covered by Joe Cocker. 3. Bruce Springsteen. Some members of Steel Mill ended up in Springsteen’s E Street Band in 1972. 4. Tina Turner. She met future husband Ike Turner when he was playing in St. Louis. Tina grabbed the mic, and it wasn’t long before the Ike & Tina Turner Revue was born. 5. “Gold Dust Woman,” by Fleetwood Mac, written and sung by Stevie Nicks. The 1977 song was originally cut as a B-side to “You Make Loving Fun.”

CANCER (June 21 to July 22) Careful: Right now, things might not be quite what they appear. Even the intuitive Crab could misread the signs. Get some solid facts before you act on your suspicions. LEO (July 23 to August 22) Your energy levels are high, allowing you to complete those unfinished tasks before you take on a new project. A social invitation could come from an unlikely source. VIRGO (August 23 to September 22) You might think you’re helping, but unless you’re asked for a critique, don’t give it. If you are asked, watch what you say. Your words should be helpful, not hurtful.

SCORPIO (October 23 to November 21) Go ahead. Reward yourself for helping settle a disturbing workplace situation. On another note: A personal relationship might be moving to a higher level. SAGITTARIUS (November 22 to December 21) A sudden change of heart by a colleague might create some momentary uncertainty. But stay with your original decision and, if necessary, defend it. CAPRICORN (December 22 to January 19) Rely on a combination of your sharp instincts along with some really intense informationgathering to help you make a possibly lifechanging decision. AQUARIUS (January 20 to February 18) Instead of worrying if that new person in your life will stay or leave, spend all that energy on strengthening your relationship so it becomes walk-out resistant. PISCES (February 19 to March 20) A sudden financial dry spell could reduce your cash flow almost to a trickle. But by conserving more and spending less, you’ll get through the crunch in good shape. BORN THIS WEEK: Your ability to keep secrets makes you the perfect confidante for friends, family and co-workers.

SNIPPETZ WEEKLY MAGAZINE ®

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ARE YOU READY FOR WINTER? HERE ARE A FEW SERVICES THAT CAN MAKE THIS WINTER EASIER FOR YOU! “NOW IS THE TIME” TO HAVE YOUR CHIMNEY CLEANED

THERE’S A NEW PATCH IN TOWN! R&R’s Small Engine Plus is your small engine repair shop conveniently located in downtown Monument. We offer Tune-ups/repairs on Snow blowers, ATV’s, Plows, Chainsaws, Blowers, Mowers, Augers, Generators. If it has an engine, BIG or small, we ﬁx it all! We also sharpen chains. We service ALL Commercial & Residential equipment. Plan ahead, and get your tune-up/repairs on all your winter equipment. We also offer Pickup and Delivery. Come by and see us, or give us a call!

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You are taking a chance of having a chimney fire.

ith the coming of winter • A dirty chimney will reduce stove efficiency by up to 15%. snow also comes very If the carbon build up is heavy, cold weather, that brings this may be the least of your to mind warm fires in the fireplace worries. or wood stove. It should also bring to mind the need to heat your home with safety. If you are not sure your chimney Cleaning your chimney is just as needs cleaning, call us for a free esimportant as any other part of wood timate. or coal heating safety. If you are SOOT BUSTERS not sure your chimney needs to be CHIMNEY SWEEPS cleaned, take a few minutes to in(719) 488-2718 spect it. Look up your chimney, and check to see if the walls are flaky or furry

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SNIPPETZ WEEKLY MAGAZINE ®

ONE MAN’S OPINION ON HOLIDAY SONGS By Nicholas James Yanez

he time of caroling is coming. The ads, the gift idea’s, the family visits, the ham and turkey and gravy, the pumpkin pie, the candy canes, the Christmas lights; the madness! Yes, jut ignoring it all for another month is one option. But, wouldn’t you rather be prepared? Suck it up chump, the Holiday Season is officially here. It’s time to start making your plans. Pinz Bowling Center is an easy way to skip the stress of party planning. This year, your holiday party is set to be the best one; and you’ll do almost none of the work. Just give Pinz a call at (719) 4877469. You can pick your buffet option, reserve a room, snag a couple of lanes, pre-order pizza, tell the bar to be ready, and demand that fun be had! Whether it be for your

Company, Family, Friends, Sports Team, College Buddies, or Underground Cult; Pinz has everything you’ll need to please your group of partiers. We’ll keep the full and we’ll keep it fun. You just sit back and enjoy the sweet compliments of a party well thrown. Now that we’re done talking about that: Let’s discuss the prospect of caroling. It’s a group of people wearing festive sweaters and such, who sing lovely songs to (sometimes not so lovely) people around town. Who invented this concept? Must one be able to sing well to be a caroler? I missed my golden opportunity to carol on October 31st – I thought this would be hilarious. Now that Halloween has passed, I see no caroling in my future. But I want to encourage others to take the plunge. For all carolers out there - please feel welcome to parade through the Tri-Lakes area (even Pinz Bowling Center) and try to brighten the world with your song. Music makes the spirit dance people. I Support carolers dang it, and I’ll have it be known to the world! Now, stop reading this nonsense and pick up the phone, you have a holiday party to book.

THE PALMER LAKE HISTORICAL SOCIETY PRESENTS

a Restoration Specialist with Douglas County, Jerry is an accomplished gunsmith and has restored or built many firearms from both the past as well as the present.

“EARLY WEAPONS IN THE COLORADO TERRITORY”

As explorers, trappers, and Mountain Men moved westward into the Rocky Mountains and adjacent areas, their survival depended on reliable and accurate weapons. Jerry and Johnny will display and discuss several firearms that were used by these individuals for protection, obtaining food, and providing a source of income. They will also display and describe various powder horns and discuss the contents of the “possibles” bag, carried by every rifleman.

he Palmer Lake Historical Society invites the public on Thursday, November 15, 2012, at 7:00 P.M. to the Palmer Lake Town Hall, 28 Valley Crescent, Palmer Lake, CO 80133, as Jerry Wlodarek and Johnny Mulligan present an informative evening about the weapons that opened the early west, the men who built them, and the men who used them. In addition to being

This event is free and refreshments will be served after the presentation. Visit us at www.palmerdividehistory.org.

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Tri-Lakes HAP-py Feet Foot Care Clinic Tri-Lakes Senior Center Second Wednesday of each Month

To schedule an appointment, call Bob at the Visiting Nurse Association on Tuesday through Thursday between 9 and 4, at 719 577-4448. LIONS CLUB MEETING 1st Thursday of the Month 6:00PM-8:30PM MONUMENT HILL COUNTRY CLUB Beginning September 6th. Tri-Lakes has Lions on the 1st Thursday of each month! Your family can make help enrich lives for our El Paso County families and people around the world. Please contact MReichal@aol.com 719-313-0688 for club details. We Serve. TRADITIONAL Lutefisk and Meatball DINNER Saturday, November 10 At Viking Hall, 1045 Ford Street, Colorado Springs Seatings at 2PM and 6PM Cost is $18 for adult members, $20 for nonmembers, $8 for ages 5-12 Also, for sale in lobby---herring, lingonberries, lutefisk, baked goods, gift items For reservations, please phone Virginia at 719-650-7029 QUICK BOOKS BASICS FOR YOUR BUSINESS 11/13/12 10-11am Tri-Lakes Business Incubator 14960 Woodcarver Rd, Co Springs, CO 80921 / Fee: $10.00 Registration Required www.trilakesbi.org Come learn about Quick Books and how it can work for you and your business! · Helps you avoid issues with Uncle Sam · Straightforward and easy to learn · Compatible with many types of software · Cost effective

4TH ANNUAL BREAKAWAY HOCKEY EVENT DINNER, MUSIC, DESSERT, SILENT AND LIVE AUCTIONS Friday, November 16th 6pm - Midnight Sundance Mountain Lodge 1865 Woodmoor Drive Tickets $25/person, includes dinner and auctions $10/person, includes silent, live and dessert auctions Payable to LP Hockey Proceeds to Benefit LP District 38 Hockey Team For tickets contact Sarah at 3511074. RAMPART HIGH SCHOOL’S CHRISTMAS CUPBOARD BAZAAR EVENT Rampart High School 8250 Lexington Drive Colorado Springs, 80920 Nov 17, 2012 9am/4pm Get a head start on your holiday shopping at Rampart High School’s annual Christmas Cupboard Bazaar! HUGE selection of unique HANDMADE ITEMS from 150 vendors!!! Delicious concession stand! FREE admission! It’s the BEST craft fair in town! (No strollers Please) SCANDINAVIAN CHRISTMAS TEA Saturday, December 1 at 2PM At Viking Hall, 1045 Ford Street (off Galley, east of Powers) Featuring homemade holiday treats with holiday tea Program and door prizes Cost is $14 Seating limited Please phone June at 599-3235 for reservations

7th ANNUAL NORTH POLE AT TRI-LAKES ARTS AND CRAFTS FAIR Dec 1st and 2nd, 2012 10AM to 4PM Grace Best School 66 Jefferson Street Downtown Monument Admission: Nonperishable food items or cash donations. Visit with Santa 1PM both days! Sponsored by Monument HIll Kiwanis Club. for more information contact: Barb at 719-495-7666 or barb@2bara.com 4th Annual Gleneagle Festival Of Lights & Hayride Dec. 8th 2012, 5pm to 8 pm Bring the whole family for a hayride through the golf course to view the beautiful light displays while singing carols with friends & neighbors. Hayride tour is only $2.00; 4 & under ride for free. Free cookies donated by the Gleneagle Women’s Club. Hot beverges will be available. Questions - call Rick Evelo Gleneage Golf Club, 488-0900. JULEBORD CHRISTMAS PARTY Sunday, December 16 At Viking Hall, 1045 Ford Street, Colorado Springs Social time at 2:30PM and Julebord at 3PM Assorted salads, breads, lefse, meat and cheese trays, seafood, roast pork, vegetables, assorted Norse desserts. Caroling around the Christmas tree and a visit from Santa. Cost is $17 for members, $19 for non-members and $7 for children 5-12. For reservations, please phone Cleo at 719-598-1982 prior to December 12. Seating is limited

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when I was about two-thirds of the way through this series I changed the name from “Prepare for the Boom” to “Kick in the Pants.”

ZOOM TO YOUR ZENITH

By Ron Ross

his is the last of a series of columns originally titled “Prepare for the Boom.” When I began the series almost a year ago I was anticipating an economic boom that I thought would naturally follow the bust of the last few years. I posited that those who were the best prepared for the break upward would receive the greatest benefits from the boom. That’s why each week I wrote about things you and I need to do to be ready when the bust turns into boom. By most standards and despite promises of hope and change, what went down is still going down. About the only things that are going up are fore-

closures, bankruptcies, prices and unemployment. Some pundits think we’re going to have to wait a long time for the boom. I hope they are wrong and I know you do too.

it’s what you can do for yourself, your family and your community. Answer these questions: Who are you, really? What great longings still linger in your heart? What significant yet perhaps repressed aspirations seek fulfillment? Find the answers and you will find your real strength. And trust me when I tell you that neither your answers nor your strength will be found in some government tax break, benefit or bailout. Neither will they be found by winning the lottery or getting a surprise legacy from an unknown recently deceased wealthy uncle.

In the meantime, there’s not a whole lot you can do to bring about immediate change to the national economic predicament we are in. So if there’s going to be any boom in your little world, you’re going to have to make it happen yourself. Fortunately, most intelligent people don’t sit on their butts and wait for the government to come and rescue them. They figure the best thing the government can do is to get out of their way and let them work and solve their problems them- Your strength, your riches and your selves. destiny are already written on your heart. You must bailout yourself, solve It’s like this: Any boom starts within your own problems, confront your the individual, within your own heart own obstacles and in the process creand mind. You begin by looking deep ate your own legacy. In many ways, within your own soul for that’s where my friend, you’re on your own so your true strength is found. It’s not stop whining and get after it – whatwhat the government can do for you; ever for you “it” is. And that is why

Here’s the point about you that I am trying to make: You never know what you can accomplish until you test yourself and you never know the measure of your strength until your strength is tested. Right now – this is the season of testing. Over the next few months and years you will find out what you are made of. And that is good. For once you find the real you, once you develop your own internal spiritual muscles, you’ll be ready for the boom and you will zoom to your zenith. So this week’s “Kick in the Pants” is this: Make your own boom happen. I know you can. I know you will. And quietly in the background of your soul, I hope you’ll hear me cheering you on to your personal destiny. If you would like a compilation of the 41 columns in this series in the form of an e-book, send me an email and request the same. I will send it to you as soon as it is ready - no charge. Email me at Dr.Ross@RonRossToday.com.

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How to Build a Great Linkedin Profile

• Computer Repair & Troubleshooting • Data Recovery & Hard Drive Rescue

Series 4, Article 13

LinkedIn is an online resume of who you are, and who you've ever been. It gives you the keys to controlling your online identity. Have you Googled yourself lately? You never know what may come up. LinkedIn profiles rise to the top of search results, letting you control the first impression people get when searching for you online. The Steps: Step 1: Go to www.LinkedIn.com and fill in the blanks for a new profile. Use your common email address as a secondary and use your business email for your primary (you don't want business contacts to find you at your college email address at ilovespringbreak89@hotmail.com), but you need to have an email on file that you will always be able to access. Step 2: Upload your picture. Many people will not accept connection invitations if they do not see a picture. They may not recognize the name among the hundreds they met at a recent convention without a picture. The picture should be appropriate for business. LinkedIn pictures don't have to be overly formal, but they do need to be something better than your best at-the-gym picture. Step 3: Add a tag, or a description to your name if you have a very common name. I have a very common name, so I add "Leadership Expert" after my name. It sounds a bit pretentious (I was uncomfortable doing that until a friend of mine told me that there were thousands of Mary Kellys out there (thanks Mom and Dad) and he couldn't find me), so I added the tag to my last name and voila! My connections increased because my friends and contacts found me. Step 4: Use your resume and background to build great content. Fill in the blanks of your education and work experience. Be interesting. Bullets for your summary are a great way to provide concise, eye-catching information. Side note: I don't recommend starting with a video. Two reasons: 1) it takes time to load, and most people won't wait; 2) unless you are very interesting (like Henry Kissinger) or very funny (like The O'Shea Report ), no one wants to spend that time watching you introduce yourself. Step 5: Get some high-quality recommendations. Go to the recommendations tab at the top and ask some of your trusted colleagues for recommendations specific to you as a professional. For example, comments such as "Mary is great!" or "Mary was wonderful!" sound nice, but they do not describe what I do, or the value I

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provide to a business client. "Mary provided timely economic expertise and leadership advice that allowed us to increase productivity immediately. Mary's advice saved us $567,000 for the year" is a much stronger recommendation. Ask your recommenders to focus on the results you provide. If you are a roofer, ask customers to describe your GREAT service as a roofer. "Ken's prompt response and accurate estimate was indicative of the fast, quality work that his company provided. He and his team were on time, polite, and trustworthy. They got the job done on time and under budget." Step 6: Join groups of your peers. In the upper right corner is a search box. To the left of that are options with an arrow. Click on the groups and then search for your business interests, your alumni organizations, and your business peers. Join groups to allow you to connect with the other members of those groups. Increase your interaction in LinkedIn groups and get to know what others are doing in your field. Step 7: Join the groups that your clients join. This allows you to understand the concerns of your customer base, and then you can provide solutions in the group discussion areas, which increases both your presence and your credibility. Step 8: Use the applications. My favorites are the book list and the slideshare functions. The book list lets you type in the name of a book, select the book's cover, and make comments about the book. I also like this function to feature some of my favorite authors and friends. The slideshare function is an easy upload for large presentation. This lets people share presentations and notes that otherwise might be too large to email. There is also a travel application that lets your network know where you are going, leading to simple coordination and more opportunities for meetings. Step 9: Be the expert. Use the answers function in the upper right box. Click on answers, and type in your topic of expertise. When the questions appear, provide an answer and include your website. You become a known subject matter expert and others get the benefit of your wisdom. Step 10: Enjoy your online connections! Thanks to social media, we can connect with people all over the world. LinkedIn is a terrific way to find lost friends and to stay in touch with new ones. Source: Mary Kelly, PhD improves profit growth. More articles and information are at www.ProductiveLeaders.com

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Find all past articles at www.WebChatbyRobyn.com This article is provided by Robyn Graham, Owner of WebsitesByRobyn.com

SNIPPETZ WEEKLY MAGAZINE ®

LIVING GOD’S GIFTS bringing Christ into your financial life

INVESTING FROM A BIBLICAL PERSPECTIVE

by Chuck Maher, CFP®

...BRING CHRIST INTO OUR FINANCIAL LIVES

SOCIAL SECURITY?

s more and more people are approaching retirement age, the issues surrounding Social Security benefits are becoming an increasing concern. In my financial planning practice I am receiving many questions relating to Social Security. Here are some of the most common questions and my thoughts.

WILL SOCIAL SECURITY BE THERE WHEN I RETIRE? The most recent government-issued projections indicate Social Security funding will run out by 2033. However, that does not mean that in 20 years Social Security will be gone. It is in fact the point where revenues will not be adequate to meet 100% of the promised benefits established by law. At that point, unless Congress intervenes, the Social Security Administration estimates benefits will need to be cut by 22% and could decline from there.

SHOULD I START RETIREMENT BENEFITS AS SOON AS I’M ELIGIBLE? The minimum age Social Security

retirement benefits can be started is 62. Today, for a variety of reasons, an increasing number of retirees are electing to begin benefits at that early age. But it does pay to wait. For each year benefits are postponed after full retirement, currently age 66, benefits are increased by 8%. For those who can wait until at age 70 that would be an increase in benefits of nearly 35%.

WILL I BE ABLE TO LIVE COMFORTABLY ON SOCIAL SECURITY?

Honoring God with Your Financial Blessings CHUCK MAHER CFP

Phone: 719-481-0549 Cell: 303-748-6352 Toll Free: 800-873-9705

PO Box 39 Monument, CO 80132

chuck@chuckmahercfp.com www.chuckmahercfp.com Securities oﬀered through and supervised by Wilbanks Securities, Inc. Member FINRA & SIPC 4334 NW Expressway, Suite 222 Oklahoma City, OK 73116 405-842-0202 Fee Based Wilbanks Securities Advisory

pone starting benefits.

Social Security is not nor has it ever been a complete source for retirement income. The average monthly benefit being paid to a retired worker is $1,242. So unless you have a pension or savings to supplement Social Security, you may find that you will need to greatly reduce your lifestyle to get by with just Social Security retirement income.

WILL I BE ELIGIBLE FOR MEDICARE WHEN I START SOCIAL SECURITY BENEFITS?

The choices surrounding the decision to begin Social Security retirement income are complex and often times come with unintended consequences. I would encourage you seek out competent advice from a professional specializing in retirement planning before you decide. “For lack of guidance a people falls; security lies in many counselors.” Proverbs 12:14

Unless you have been receiving Social Security disability benefits for are least 2 years you are not eligible for Medicare until age 65. Many of those who have started retirement income at age 62 have found that they have been woefully underprepared for the high cost of health insurance. Yet another reason to post-

Chuck Maher is a Certified Financial PlannerTM practitioner specializing in Christian values based financial planning and investing. He can be reached at chuck@chuckmahercfp.com, locally at (719) 481-0549. Securities offered through and supervised by Wilbanks Securities, Inc. Member FINRA SIPC 4334 NW Expressway, Suite 222 Oklahoma City, OK 73116-1515 (405)842-0202 Fee Based through Wilbanks Securities Advisory

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