Snippetz issue 672

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ISSUE 672

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SEPTEMBER 15, 2014

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WEEKLY MAGAZINE

SNIPPETZ TAKES A STROLL THROUGH THE GARDEN: “WHAT’S WITH THE GNOMES?”

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“Call them what you want. Garden gnomes. Lawn ornaments. Little evil outdoor statuary hell-bent on world domination. It doesn’t matter. What does matter is that, right now, they’re hiding in plain sight, pretending to be symbols of merriment and good will.”

– Chuck Sambuchino, author

A

lthough it seems unlikely that garden gnomes aren’t just statues that people put in their yards but rather little demons plotting our demise, they are still very curious creatures.

Small, silly and sort of creepy, garden gnomes can definitely give you cause to ponder: what’s the point? Who came up with the idea of making some funky little man (or woman) that sits in your yard and does nothing more than make people do a double-take when they walk by? Sure, they can

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Garden Gnomes... Continued on Page 2

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SNIPPETZ™ WEEKLY MAGAZINE

THIS WEEK IN SNIPPETZ

Printing | Design | Direct Mail Banners & Signs | Decals & Vehicle Wraps

make your vision a reality...

Snippetz Takes A Stroll Through The Garden: “What’s With The Gnomes?”... 1

15706 Jackson Creek Parkway, Monument • 719.488.2544 • www.trilakesprinting.com

“Poisoned Health” Life Energy Flow Tai Yi

by Tami Urbanek... 4

and is on display at Lamport Hall.

Garden Gnomes...

Continued from Page 1

“Colorado Off-Road The Adventure Series” Series 7, Article 20 Web Chat by Robyn... 4 “Panic, Procrastinate, Pull Through” Melina’s High School Journal... 5 “Yoga Boosts Memory” Senior News Line... 8 “Acquire Confidence: Part 11 Perceive A Better You” Your Weekly Kick in the Pants!

by Dr. Ron Ross... 8 Moments in Time... 11 Strange But True... 13 “Money Talk” Nick Snips by Nick Yanez... 14

But even as the gnomes’ popularity increased, events like World War II hit the industry particularly hard and many of the newer companies that came on the scene to make the gnomes found they couldn’t keep their doors open. While they can still be found today, the quality is not what it used to be, thanks to cheap labor and materials used to massproduce them.

make you smile, what with their huge pointy hats and their sometimes ridiculous poses. But is that it? And what’s with the other lawn ornaments out there. Pink flamingos . . . really?

What’s the point of those? They don’t seem whimsical and cute. They seem strangely out of place, especially in colorful Colorado. Questions like these prompted us at Snippetz to dig up the dirt on these lawn ornaments . . . and here’s what we’ve found!

WHAT ABOUT THE FLAMINGO?

HUMBLE GNOME BEGINNINGS

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GREAT BARGAINS Find Your Treasure!

Business / Employment Opportunities THE BUSINESS DIRECTORY

The Place to Find Local Businesses on the Go!... 9 HEALTH AND WELLNESS

“Weight Gain Isn’t Inevitable With Age” To Your Good Health .... 10 PUZZLES, TRIVIA, ENTERTAINMENT 12-13

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“The Rules of Money” In God We Trust... 15

Snippetz

The pink flamingo is a much more recent development than the gnome. And it probably comes as no surprise that it was created right here in the United States.

It might surprise you that the birds were not created somewhere tropical-esque, like Florida or Hawaii. Nope, they were created in Leominster, Massachusetts in 1957. The town itself claims to be the Plastics Capital of the World.

Since at least the Renaissance, and possibly earlier, people have been creating statues to place in their gardens. By the late 1700s, porcelain “house dwarfs” were being crafted and enjoyed popularity through the 1800s. Around that same time, wooden gnome statues were being carved in Switzerland, however it remains a bit unclear who actually created the first gnome. Some believe it was a pair of ceramic workers from Dresden, Germany who supposedly had the gnomes on their shelves in the early 1840s. Others claim they got their start a bit later, in the German town of Gräfenroda, also known for its high-quality ceramics.

For some reason, Union Products wanted someone to create a plastic flamingo for them. They hired Don Featherstone, a sculptor from an art school nearby and for his second assignment, he had to

Terracotta versions of the gnomes were created by a German sculptor and potter named Philip Griebel who said his gnomes were based on local myths about a gnome’s willingness to tend their gardens at night. In fact, his descendants were some of the last German producers to make the little creatures.

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Featherstone said that the popularity of the birds grew following the cookiecutter subdivisions that sprouted up after World War II. As a way to distinguish their house from their neighbors’ houses, people could plant a flamingo in their yard. The trend caught on and in 1996, Featherstone was awarded with the Ig Nobel Prize for Art. Union Products no longer holds the copyright for the plastic molds used to create the original Featherstone flamingos. Cado Manufacturing purchased the copyrights and the entire Union Products product line, including their pink flamingo.

There are many plastic flamingo creators out there but the “official” Featherstone pink flamingo will often include his signature near the underside on the back of Garden Gnomes...

Continued on Page 3

Patricia Synatschk Silva, FIC Financial Advisor patricia.synatschk@thrivent.com Thrivent.com/fr/patricia.synatschk 9137 E Mineral Cir Ste 100 Englewood, CO 80112

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make the now-iconic ornament. Because he had nothing to reference to create the figure, Featherstone dug through some old National Geographic magazines until he found a photo spread that he used to create the model, which took about two weeks to complete.

Origins debate aside, garden gnomes grew in popularity and soon they could be found all throughout Germany, France and England. In 1847, Sir Charles Isham of England happened upon the creatures and brought 21 terracotta gnomes back from a trip to Germany. He placed them throughout the gardens around his home, Lamport Hall in Northamptonshire. Of those 21 original gnomes, only one is still around today. He is known as “Lampy”

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FLAMINGO SNIPPETZ

the bird. Those “official” birds were sold in pairs, one with its head up and the other with its head down, as if feeding.

• In 2009, the Common Council for Madison, Wisconsin designated the plastic pink flamingo as the city’s official bird.

GNOME PRANKS Not surprisingly, garden gnomes have become the proverbial butt of the joke.

Pranksters have started finding interesting ways to play a joke on the people who have gnomes in their gardens. Sometimes, they will actually steal the gnomes and take them on a trip, then photograph the gnome in front of national monuments or iconic tourist locations.

One such group of pranksters refers to themselves as the Garden Gnome Liberation Front, based out of France. They have been known to steal gnomes on a grand scale and then relocate them in a wooded area. They say they are releasing the gnomes into the wild. In another instance, they strung up dozens of gnomes from a bridge and left a note claiming the gnomes had committed suicide to escape their lives of servitude.

FLAMINGO PRANKS The interesting thing about flamingo pranks in comparison to gnome pranks is that most flamingo pranks involve putting far too many flamingos in a place, rather than taking them away. One famous instance was in 1979 and was performed by the Pail and Shovel Party, a group that eventually took control of the Wisconsin Student Association at the University of Wisconsin – Madison. They covered Bascom Hill with 1008 plastic flamingos on the morning of the first day of classes for the year.

• There are more plastic pink flamingos in the United States than real ones.

• Following the release of John Waters’ movie “Pink Flamingo” the ornaments took on the role of the most classic example of tacky lawn art.

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• Many homeowners associations have banned ornaments like the plastic pink flamingo and the garden gnome because they believe the decorations actually cause a decrease in property values.

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• Lampy the Gnome is insured for about $2 million.

• Male gnomes are typically portrayed with red hats.

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• Gnomes are sometimes placed on barn’s rafters to keep an eye on the animals kept their.

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• Swiss bankers are sometimes called “Gnomes of Zurich” which is actually a derogatory term referring to their secrecy in business dealings.

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• Gnomes have been banned from the Royal Horticulture Society Chelsea Flower Show in England.

• Gnomes come in three categories: worker gnomes who carry tools; leisure gnomes who carry pipes or just look relaxed; and cultural gnomes who carry musical instruments.

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SNIPPETZ™ WEEKLY MAGAZINE employees and former giant biotech companies. Currently, Colorado will be allowed to vote on GM labeling and Peru has implemented a 10-year ban on GM crops.

POISONED HEALTH

S

ome things in life have become much easier or convenient due to technology. Through the use of cellular phones, we are always able to attempt to call someone on the go or have a flashlight using the flashlight application. Through the use of the Internet, we can easily research something on a moment’s notice and 24 hours a day. But is all technology beneficial to us?

Currently, there are two major biotech companies. One of those companies is the largest and most profitable. It uses technology to change or adapt our food.

The company’s promise is that the technology will be used to feed the world and make agriculture more convenient.

That convenience comes in being able to spray crops with an abundance of weed killer without killing the crop. It also makes the crops aluminum resistant.

When people eat a lot of processed foods (most contain soy and corn) and processed sugar, the body begins collecting toxins from those foods. Over a period of time, the person can experience many different health issues aside from weight gain. For this to change, one can receive the Tai Yi treatment Poisoned Health.

For those who desire to change their diet, this treatment can benefit the physical

Scientists of biotech companies are working on combining genes from one species to another species for the sake of convenience. For example, some scientists are combining genes of a rat with the genes of lettuce and the genes of a toad with the genes of a potato. Sounds a bit Sci-Fi, but then, 50 years ago, cellular phones and digital tablets that we currently use seemed Sci-Fi.

body by assisting it to release the toxins quicker. This treatment will assist the intestines in releasing toxins more easily and reduce the likelihood of developing a disease from impacted intestines.

The person receiving this treatment can expect to feel a toxin release over a few to several days and begin feeling lighter and more at ease.

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More commonly, soybeans are genetically modified to resist weed killer. That allows the farmer to heavily spray the soybean crops. Approximately, 90% of our soybeans are genetically modified (GM), 85% of our corn is GM, 70% of our wheat and cotton are GM. By changing the genetics of the foods, what does it due to human’s genetic structure over a period of time? It begins to alter it and the human body collects and reacts to the toxins.

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SNIPPETZ™ WEEKLY MAGAZINE

Melina’s High School Journal

by Melina Kingsley

PANIC, PROCRASTINATE, PULL THROUGH

A

s someone whose schedule includes 2 AP classes, 1 honors course, and 2 above grade level courses, I know as well as any that difficult classes come with a hefty workload. The question is where do you find all the time to do everything you need, as well as have a little fun. Personally I don’t have any time management skills so I wind up with as little as 2 hours of sleep as I cram, procrastinate, and work my tail feathers off to get my homework done.

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Other people, like sophomore Jonathan Olds find time by setting a certain amount of hours for each item on his to do list. “I usually have an hour for myself and then spend between two and four hours doing homework before relaxing,” says Olds. “Balancing a social life is easy in the modern era,” says Andrew Elstad.

“Being able to text or Skype is very helpful when it comes to juggling homework, to after school events and so on.” Whether you’re irresponsible and procrastinate like me, or find time in your day for everything that needs to be done it’s important that you get things done on time.

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As far as events you shouldn’t procrastinate on this week, there’s the Community Engagement Meeting (formerly known as Principal’s Coffee) from 9:30 to 10:30 this Wednesday as well as a home football game on Friday at 7:00 against Vista Ridge.

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Palmer Lake Art Group Presents

The 41st ANNUAL CHRISTMAS ARTS & CRAFTS FAIR Palmer Lake Town Hall 66 Lower Glenway St Just off Hwy. 105 in Historic Palmer Lake Friday, Oct 3 from 10 a.m. to 7 p.m.

Saturday, Oct 4 from 9 a.m. to 5 p.m.

Sunday, Oct 5 from 10 a.m. to 4 p.m.

ADMISSION IS FREE! This juried show is limited to approximately 40 exhibitors, of which only original work by the entrants is accepted.

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Proceeds are used to fund art scholarships for District 38 high school students 5

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SNIPPETZ™ WEEKLY MAGAZINE pants who did only stretching and toning instead of yoga didn’t have the same cognitive performance results.

YOGA BOOSTS MEMORY

Y

oga is thought of as an umbrella term for various forms of the discipline, but some kinds of yoga are said to be better for seniors than others.

A study done by the University of Illinois focused on Hatha yoga, which uses specific poses with flowing movements, meditation and breathing. Researchers divided seniors ranging from 55 to 79 years of age into two groups. One group did the specific Hatha yoga steps, and the other did toning and stretching.

There are, however, dozens of other forms of yoga for seniors to explore, and classes are popping up everywhere, as well as for tai chi and qigong.

After taking yoga, tai chi and qigong classes, here is my assessment: Yoga (any kind) involves painful poses, some on the floor. Tai chi is done standing up, but poses are complicated. Qigong has gentle, flowing movements done standing up. All of them offer benefits for strength, flexibility, balance, stress reduction -- and memory, in my estimation.

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Your best bet is to find a yoga, tai chi or qigong class specifically for seniors, perhaps one that’s taught by your local senior center or hospital. Ask questions in advance.

If you have a computer, go online to search yoga, tai chi and qigong individually. Check videos and watch the poses. Think about which type The results: Those who took the is right for you. You’ll get a benefit yoga classes three times a week for from all of them. eight weeks had better information recall (faster and more accurate), as well as mental flexibility. They Matilda Charles regrets that she cannot personally answer reader questions, but will incorpoexperienced “significant improve- rate them into her column whenever possible. ments in working memory capac- Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853ity.”

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PART 11:

PERCEIVE A BETTER YOU

By Ron Ross

H

ow you perceive yourself will contribute to or detract from your success and happiness in life.

Most people call this self-esteem. They suggest you need a vision of your life as you would like it to be so you can move toward success. They are right; however, consider with me another word-phrase to substitute for “vision.” The word-phrase I prefer is “self-perception”, a concept with greater depth of meaning than vision, selfesteem or self-confidence.

What does it mean “to perceive”?

According to Dictionary.com “perceive” means “to become aware of, to know, or identify by means of the senses.” And the second definition is, “to recognize, discern, envision or understand.” Its origin is in a Latin word (percipere) which means to “obtain, gather, seize entirely, take possession of,” also, figuratively, “to

Assisted Living Independent Living Adult Family Homes grasp with the mind, learn, comprehend,” literally “to take entirely.”

You see why I like this word?

It is much better to know yourself, to understand yourself, to seize entirely and take possession of yourself than it is to have a vision which may be more a flight of fancy than a realistic assessment of whom you are and why you are here!

Let’s take a closer look at how selfperception helps you.

Perception starts with reality.

Self-perception helps you clarify your present status. You can never go anywhere significant until you know where you are right now. You may dream about becoming a millionaire in one year or starting a business in six months, but unless you have a clear understanding of where you are right now you’ll never know what the next step to your success should be. Vision starts with imagination, desire, or fantasy; self-perception starts with reality.

Perception adds specifics to your view of self and your view of your future. An honest perception of yourself requires you to set specific goals that lead you to achieve your purpose. When I was a young man, God called me to be a missionary to

Understanding Senior Care Options

Have you ever wondered what Medicare covers versus what you pay privately?

Understanding the available payment options and obligations for Elder Care Services is critical.

• Free expert policy review • Understand your claim

ACQUIRE CONFIDENCE

Long-Term Care Insurance is a valuable tool to protect your family’s assets. If your loved one has purchased a policy, the next step is to understand and strategize how to best utilize the policy.

The Veterans Aid & Attendance Pension provides wartime veterans and their surviving spouses with tax-free financial aid for senior care needs.

LONG TERM CARE INSURANCE

(c) 2014 King Features Synd., Inc.

Long Term Care Insurance Comprehension

Personal Care Meal Preparation Medication Reminders Laundry Transportation Services Exercise Assistance Light Housekeeping Companionship

CALL FOR A COMPLIMENTARY LONG TERM CARE ASSESSMENT

(719) 377•9121 www.AmadaSeniorCare.com/ColoradoSprings Africa. The call caused some significant changes in the lives of my young family and me. The reality was I could leave for Africa only if I had certain credentials and sufficient financial support. We were told the financial support and proper documents could take up to two years to organize. Everything had to be in place before we stepped foot on an airplane to fulfill the call. Our vision was to be missionaries. Our perception told us some very specific things had to be done to realize the vision.

Perception keeps you focused on the next thing while vision can keep you way far out in the sweet by-and-by.

Perception keeps you moving forward toward your goal, and keeps asking the question: What needs to be done next.

Vision makes you feel good; perception requires you think, plan and execute.

Honest, clear self-perception will

8

lead you to a better you. It will reveal your real strengths, your finest assets, your most valuable resources, and your greatest worth. It will show you who you are and why you are hear and then empower you to action.

Self-perception is more comprehensive, more powerful and more life-impacting than self-image or selfesteem. How do you perceive yourself?

Think about it.

To read all of Dr. Ross’ columns visit RonRossToday.com. Subscribe to his weekly newsletter and receive your free copy of Acquire Confidence, a compilation of Acquire Confidence columns. ©2014 Ron Ross

BUSINESS DIRECTORY ACCOUNTING

COMPUTER SERVICES

GUTTER PROTECTION

Watson CPA Group

TLC COMPUTER REPAIR

GUTTER HELMET

Tax Prep, Consultation Bookkeeping, Payroll Competitive Flat Rates 719-387-9800 www.watsoncpagroup.com BOOKKEEPING BY BOBBI INC Complete Bookkeeping Services Payroll Services • IRS Cleanup Quick Books Training & Setup bldoyle1@comcast.net 488-2308 or cell 331-3003

AGRITAINMENT C2 ALPACAS, INC.

Come Learn and Interact with, Alpacas, Llamas, Angora Goats Learn what we do with all their fiber.

Located in Beautiful Black Forest Open Sat & Sun 10am-4pm (719) 339-5229 Please call first 10825 Hardy Rd. 80908

We Fix, Build and Sell PC’s We Repair Macs Too! Recycle With Us! Call 719-302-2937 or e-mail joeys@tlccomputerrepair.com

COUNSELING PSYCHOTHERAPIST MA

MOUNTAIN AIR SALON & BARBERSHOP IN SHOP BARBER

EQUINE FACILITATED COUNSELING

HEALTH & WELLNESS

Trauma • PTSD • Anger • Depression Relationships • Personal Growth Gentle Healing Techniques Laurel Boyer, MA, LPC 719-210-0668 laurel@gypsywindranch.com

DECKS

BEE FRESH CARPET & AIR DUCT CLEANING Certified, Bonded and Insured SPECIALS OFFERS AVAILABLE CALL FOR YOUR FREE QUOTE TODAY! (719) 488-0632 beefreshcarpet@gmail.com

JTY CONSTRUCTION Custom Decks • Deck Repairs Additions • Remodels • Basements (719) 491-9695 Local • 30 Years Experience Superior Quality • Affordable • LIC

ANTIQUES/COLLECTABLES

DENTAL PLANS

KEEPSAKES UNLIMITED

SAVE 25-80% ON ALL DENTAL SERVICES!!

ART & FRAME BELLA ART & FRAME Custom Framing & Art Gallery Local Artisans Art & Gifts 183 Washington St. * Monument 719-487-7691 www.BellaArtandFrame.com

AUTO REPAIR JJ TRACKS TIRE & AUTO Servicing The Tri-Lakes Area For Over 26 Years 279 N. Beacon Lite Rd. Monument 719-481-4393 www.jjtracks.com

FACINELLI MOTORS Import Repair Specialists SUBARU TOYOTA HONDA 707 County Line Road Palmer Lake 719-488-6729

AUTO SALES MonumentMotors.com 50 Used Subarus! 1995-2013 Great Prices-Warranty Available Outback, Forester, Legacy Impreza and Tribeca Dealer: 719-481-9900

BOOKKEEPING BOOKKEEPING BY BOBBI INC Complete Bookkeeping Services Payroll Services • IRS Cleanup Quick Books Training & Setup bldoyle1@comcast.net 488-2308 or cell 331-3003

BOOKS & GIFTS The Open Door Books & Gifts Books ◆ Jewelry ◆ Incense ◆ Oils ◆ Crystals Greeting Cards ◆ Ltd. Edition Figurines Reiki ◆ Readings ◆ Minister Svc inc Weddings 719.487.9076 251 Front St, Suite 8 - Monument, CO

CAREGIVER / NANNY Let Me Help You Simplify Your Life Assistance with meal preparation, housekeeping, transportation, shopping and errand running.

Offering companionship, exceptional personal care, recreational activities and crafts.

Day and evening. Excellent references.

Reasonable rates. Please call 719-322-6736

CLEANING SERVICE Summer Creek Cleaning, LLC

All of Tri-Lakes and Colorado Springs Call for a FREE Estimate Courtney 720-838-9372 or Allandra 719-304-6000 HOLIDAY SPECIALS AVAILABLE!

HAIR SALONS

MARY SENOUR Marriage • Family • Adolescents Substance Abuse • Body Image Coping Skills • Coaching 236 N. Washington, Monument CO Email: senour71@gmail.com Phone: 719-331-4312

AIR DUCT & CARPET CLEANING

251 Front St. #12 Monument CO 80132 719-487-1647 / 719-243-1066 Tues. - Sat. 10:00AM-5:00PM www.keepsakes-unlimited.com

The First, The Best, The #1 TRIPLE LIFETIME WARRANTY Owned by Kirt Byerly of “Around The House” Call today for the Permanent Solution 719.495.2673 www.gutterhelmet.com

PROGRAMS START AT $19.95 PER MO. LOCAL DOCTORS AVAILABLE. CALL ED 719-930-5583 HTTP://WWW.MYBENEFITSPLUS.COM/EWH

DOG GROOMING CHYANNS’ PET CARE Grooming with TLC Since 1983 Fun - Calm - Clean - Environment 79 4th St. (4th & Washington) Monument 719-488-9474 Cheryl Rogers - Owner Operator

FARMERS MARKET HWY 83 FARMERS MARKET 15570 State Hwy. 83 Colorado Springs, CO 80921 THURSDAYS 4-8pm (719) 217-6452 Colorado Local / Organic Crafters Welcome!

FINANCIAL ADVISORS THRIVENT FINANCIAL

Patricia Synatschk Silva, FIC

Financial Advisor patricia.synatschk@thrivent.com Thrivent.com/fr/patricia.synatschk

Color Specialist / Mens Grooming 251 N Front St. Monument, CO 719-481-3265 www.mountainairsalon.com

PALMER LAKE WELLNESS CENTER

Great Products • Great People Great Selection • Great Prices Mon-Sun 9-7 719-488-9900 850 Commercial Lane - Palmer Lake

ARBOR DERMATOLOGY Accepting New Patients Randal Kumm, MD 9480 Briar Village Pt. Suite 100 CALL TODAY! 719-623-2104 Online booking available at www.arborderm.com

HYPNOTHERAPY

Weight-Release • Quit Smoking Reduce Fear, Stress or Anxiety Improve your life balance & goals Laurel Boyer, LPC, CHT / 719-210-0668 laurel@gypsywindranch.com

HOME IMPROVEMENTS & REPAIR Licensed and Insured Rated “A” with BBB Senior and Military Discounts Also Custom Decor’ Sewing FROM HOUSE TO HOME, LLC.

719.650.5353

INTERIOR DESIGN

PHOTOGRAPHY

SPRINKLER BLOWOUTS

HYDRO-GARDENING

DESIGN WISE INTERIORS

Wm. J. O’Connor, Photography

SPRINKLER SYSTEM BLOW-OUTS

MAJESTIC HYDRO GARDENING

“Growing Your Way” with excellent products from some of the most trusted names in the Hydroponic and Gardening industries such as: Fox Farm, House & Garden, Botanicare, Sunleaves, Happy Frog and many more.

I cater to all gardeners, if I don’t have it, I can get it.

So come on in and check the store out, and see what’s “growing” on.

860 Hwy 105, Palmer Lake, CO 719-323-0022 Bring this ad in and get 5% OFF purchase

Cell: 713-530-2277

INSURANCE

GARAGE DOORS

AMERICAN FAMILY INSURANCE

Connecting faith & finances for good.™

TRI-LAKES GARAGE DOORS SALES • SERVICE • INSTALLATION - FREE ESTIMATES Jim Hatley - Local Owner www.TriLakesGarageDoors.com 719-488-2220

OVERHEAD DOOR REPAIR TODAY! $35 OFF Service Coupon Broken Springs, New Doors Openers, Remotes www.academyoverheaddoor.com 719-481-2549

GLASS SHOPS SERVICE GLASS Auto - Shower Doors - Mirrors Thermo-Pane & Table Tops FREE QUOTES 719-481-3701 341 Front St. #4 Monument, CO 80132

GRANITE INTERNATIONAL STONEWORKS GRANITE COUNTERTOPS Over 25 Granite Colors in Stock!

Starting at $36 per sq. ft.

719-488-3180 200 County Line Rd. Palmer Lake

GUITAR LESSONS Beginner thru Advanced Learn any style from an Award winning Guitarist Convenient location and hours to fit your schedule Call Joe @ 719/ 487- 8826 Monument CALL TODAY!

Interior Design / Décor Consults • Remodels • Drapery Flooring • Upholstery 719-963-7438 www.designwisecolorado.com

JEWELRY PURPLE MOUNTAIN JEWELRY Fine jewelry-custom designjewelry repair-watch batteries.

47 Third Street, Monument, CO 719-487-0444 www.purplemountainjewelry.com

SUSAN HELMICH FINE JEWELRY Designer Collections ~ Custom Since 1972 Repair-Gemstones-Restoration Gold Buying or Credit 719-488-0448 13710 Struthers Road, #120

Larry E Stiltner Agency 481 Hwy 105 Suite 212 719-481-8382 Monument, CO 80132

MAILBOX SERVICES

ALLSTATE INSURANCE

The UPS Store®

24 Hour Access-Mail Forwarding Package Receiving 590 Highway 105 Safeway Shopping Center 719-487-1730 www.theupsstorelocal.com/3693

PETE MILLS AGENCY Next to Starbucks - Monument 719-484-0220 Get a Quote and Get a $10 Gift Card

SHELTER INSURANCE

OFFICE SPACE

We’re Your Shield, We’re Your Shelter!

Michael D. Ahlers 66 Second St. St. B, Monument 719-481-2550 www.shelterinsurance.com/michaelahlers

Affordable 150-3500 sq. feet Low Cost Business Workshops

DAVE PREJEAN 1840 Deer Creek Rd., Suite 103C Monument, CO 80132 719-434-7031 • 719-492-8274 dprejean@farmersagent.com

AFFORDABLE STOR-MOR

719-337-7742

Sizes from 5’ x 5’ to 12.5” x 32.5’ Peakview Blvd & Highway 105 Now Expanding to Meet Your Storage Needs!

719-481-2860

ginaforeropianostudio@yahoo.com www. ginaforeropiano.org

TAX PREPARATION

PRINTING

Watson CPA Group

The Juilliard School • New York, NY PIANO INSTRUCTION BEGINNER TO ADVANCED

TRI-LAKES PRINTING Printing - Design - Direct Mail 15706 Jackson Creek Pkwy.

Monument, CO 80132 719-488-2544 www.trilakesprinting.com

The UPS Store®

Banners-Business Cards Flyers-Postcards 590 Highway 105 Safeway Shopping Center 719-487-1730 www.theupsstorelocal.com/3693

REAL ESTATE 360 TOURS

Most Individual tax returns for $150 to $325. Includes state, small biz, rentals 719-387-9800 www.watsoncpagroup.com

THE WALSH COMPANY Enrolled Agent Tax Specialist Personal • Corporate • LLC • Trust 430 Beacon Lite Rd. #155 Monument, CO 80132 719-481-8951

THRIFT SHOPS HANGERS THRIFT SHOP Benefiting Tri-Lakes Cares 245 Jefferson St. Monument, CO 80132 719-488-2300 Open Mon-Sat 9AM - 5PM

SHIPPING

Serving Our Community Since 1979

Larkspur Outdoor Maintenance

The UPS Store®

PHOTOGRAPHY KIRKLAND PHOTOGRAPHY & DESIGN *FAMILY *COMMERCIAL *EVENTS *HIGH SCHOOL SENIORS *MODELS 719-487-1779 Hwy. 105, Palmer Lake, CO www.KirklandPhotography.com

9

GINA FORERO, B.M., M.S.

STORAGE

OUTDOOR MAINTENANCE

www.LarkspurMaintenance.com

ELIZABETH BRYSON 15706 Jackson Creek Pkwy. 100 Monument Marketplace 719-481-0600 ebryson@farmersagent.com

PIANO INSTRUCTION

Please call Kevin:

719-499-3738

TILE INSTALLATION

719-235-2837 20% OFF First Service

FARMERS INSURANCE

251 Front St., Monument oconnor.william.j@gmail.com www. wmjoconnor.com

POST HOLE AUGGERING

CALL FOR FREE ESTIMATES

14960 Woodcarver Road info@woodcarverproperties.com 719-481-4877 x-100

Clean-ups - Lawns/Gardening - Gutter Cleaning Dump Runs - Mitigation - Power Washing

FARMERS INSURANCE

303-842-3535

Proven to Sell Homes Fast!

VPiX + Facebook = SOLD Single Page Websites - Just $99.

For REALTORS or For Sale by Owner Visit VirtualToursofColorado.com or call (719) 645-9940

Woodcarver Properties and Tri-Lakes Business Incubator

MONUMENT INSURANCE High End - Auto, Home, Life & Retirement Income Solutions Patrick Daugharty - LUTCF 719-650-7002 call me today Independent - Trusted

Studio and Location Portraits People, Pets, Horses, Harleys

Packing-Shipping Boxes-Freight 590 Highway 105 Safeway Shopping Center 719-487-1730 www.theupsstorelocal.com/3693

SMALL ENGINE PLUS R&R SMALL ENGINE PLUS LLC All Makes/Models-Snowblowers Mowers - Trimmers - Chainsaws ATV’s, Motorcycles, Snowmobiles FULL SERVICE - 719-481-3333 632 W. Hwy. 105 , Palmer Lake, CO

T.A.C. TILE FREE ESTIMATE! Installation • Remodels • Repairs

719-491-8912

www.tactileandstone.com

Snippetz Business Directory gives you great exporsure at an affordable rate!

719.487.0484 VISIT www.snippetzonline.com

SNIPPETZ™ HEALTH AND WELLNESS

SKIN PROBLEMS? NO PROBLEM! Medical And Surgical Dermatology For The Whole Family

SKIN CONDITIONS WE TREAT Dr. Kumm treats conditions of the skin, hair and nails including the following:

• Skin Cancer

including basal cell carcinoma, squamous cell carcinoma and melanoma

• Acne • Birthmarks • Boils • Allergic Contact • Rashes • Alopecia/Hairloss

Randal Kumm, M.D.

• Atopic Dermatitis/

• Molluscum

• Benign growths • Cysts

• Oral growths and conditions not involving the teeth

• Dermatitis

• Psoriasis

• Eczema

• Scabies

• Folliculitis

• Seborrheic

Eczema

• Fungal infections

Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Lisa Brownworth, N.P.

Contagiosum

Specialized Adult and Pediatric Allergy and Asthma Care

Dermatitis

• Hives

• Shingles

• Keloids

• Warts

Now in Monument

• Moles

We are currently accepting new patients.

Arbor Dermatology is conveniently located off Briargate Parkway at 9480 Briar Village Point Suite 100 (across from Briargate Branch Library)

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

719-623-2104

for an appointment today!

Online booking available at www.arborderm.com

Individualized treatment for:

*** DEAR DR. ROACH: My friend had skin cancer on her nose, and her doctor treated it by cutting it off. My friend said she has had many, and her doctor always cuts them off. I had skin cancer about 20 years ago.

My doctor gave me Efudex cream, which worked on my skin cancers, but did nothing to my healthy skin. Why in the world aren’t today’s skin-cancer doctors prescribing Efudex? It’s so great. -- D.P.

WEIGHT GAIN ISN’T INEVITABLE WITH AGE DEAR DR. ROACH: I’m a woman and will be 59 in a month. I’m in excellent health. I’ve worked out seriously with weight-bearing exercises for nearly 30 years. I have great muscle tone, and I believe I am height/weight proportional (5 feet, 2 inches tall, weigh 130 pounds).

Is it inevitable that women gain weight as they age? Is it possible to maintain weight past menopause? I have slowly gained five pounds in the past year, and I’ve developed a little bulge under my navel. I’ve increased my cardio workout to lose weight, while continuing my weight-lifting regimen. I seem to be getting results slowly but surely.

But that bulge is still there. Should I just learn to live with it? -- D.H. ANSWER: Many women would be very envious of your good health and even your current weight and waistline numbers.

However, in your case, it is healthiest to continue at the same weight you have been all your life. Also, abdominal fat is the most metabolically active fat, and the one most likely to increase your risk of heart disease.

It’s not inevitable that you’ll gain weight.

Both men and women tend to slow down a bit metabolically as we age. Unless exercise increases or food intake decreases, you are at risk for weight gain. Highly processed, starchy foods may increase your risk of weight gain.

Slow but sure results definitely are best, so keep at it and don’t get frustrated.

ANSWER: I don’t have enough information to say what the best treatment is for your friend. For the most common skin cancer, basal cell carcinoma, both surgery and 5-fluorouracil (Efudex) are very effective, around 95 percent effective or more.

However, authorities recommend particular care with Efudex around the eyes, lips and nose, and in these cases surgery may be both more effective and better tolerated.

If the cancer was a squamous cell cancer, Efudex is sometimes used, but surgery tends to be preferred. *** DEAR DR. ROACH: What can you tell me about prurigo nodularis? Is there a cure? -- N.R. ANSWER: “Prurigo” is from the Latin word for “itching,” and so prurigo nodularis is a chronic skin condition of itchy nodules, most commonly on the outsides of the arms and legs. The itching can be quite severe. Because prurigo nodularis sometimes is associated with systemic medical disease, the dermatologist normally will look for kidney and liver problems and chronic infections.

Unfortunately, there is not a cure. Most people get relief from steroids, and ointments tend to be more powerful than the cream form. Placing a bandage on top further increases effectiveness. Injection of steroids can be done by an expert, usually a dermatologist.

*** Dr. Roach regrets that he is unable to answer individual letters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475. (c) 2014 North America Synd., Inc. All Rights Reserved

Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma

719-592-1365 www.csallergy.com

Including Allergy Injections

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

At the Medical Center next to Safeway

PALMER LAKE WELLNESS CENTER TRI-LAKES PREMIER ALTERNATIVE MEDICINE CENTER

OFFERING THE FINEST QUALITY AND LOWEST PRICES! We have re-designed the Palmer Lake Wellness Center to provide our clients with our very best!

THE LOWEST PRICES IN TOWN

First time customers

Receive 10% OFF with this ad!

(sales tax included)

$12 $35 $65 $115 $200

Grams 1/8 1/4 1/2 ozs

719-488-9900 PALMER LAKE WELLNESS CENTER

850 Commercial Lane, Palmer Lake, CO (Take I-25 to Hwy. 105 (Monument Exit #161 then north 1.1 miles) Monday - Friday 9AM-7PM / Saturday & Sunday 10AM-6PM

10

QUALITY GOODS & SERVICES Double

J

DOG

Boarding Kennel

SAFE • CLEAN • SECURE Walker Rd.

Hodgen Rd.

Convenient Location

Black Forest Rd.

Hwy. 105

Double J

âœŞ Thompson Rd.

BOOK YOUR HOLIDAY VACATIONS EARLY

When You Want It Done Right...

The First Time!

THE PLACE FOR GREAT BIRTHDAY GIFTS FREE Gift Wrapping

County Line Rd.

Hwy. 83

Owners on Site - 24 Hour Supervision

A CUT ABOVE DRYWALL

• Reasonable Rates • Catering to Special Diets • Large/Indoor Heated Runs & Other Needs • Elevated Dog Beds • Multi Pet Discounts for • Overnight/Long Term Pet Roommates

• No Job Too Small • Free Estimates • Reasonable Rates • 25 Years of Experience

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

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

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

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

SUBARUS!

Mon - Sat 11AM - 5PM -

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

for the Discriminating “Mini-Home Owner�

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Unique Handcrafted Dollhouses & Accessories

Cell: 719-237-9277

h9OUR (OMETOWN !UTO $EALERv

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Both stores conveniently located at 274 Washington Street, Historic Monument

Call Mark Today!

By Appointment: 495-1774

MONUMENT’S ONLY TOY STORE!

Drywall Patches, Repair and Texturing

MONUMENT • SAFEWAY CENTER • 488-2299

707 County Line Rd. Palmer Lake, CO

Specializing in SUBARU Repairs

PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ™ POSSIBLE! TRI-LAKES & GLENEAGLE WELCOMING

snippetzonline.com

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

MOMENTS IN TIME THE HISTORY CHANNEL

• On Sept. 17, 1884, Judge Allen disposes of 13 criminal cases on his docket in only six minutes. A defendant in Oakland, California’s criminal court did not stand much of a chance of gaining an acquittal. In a 40year period, only 1 defendant in 100 was acquitted. • On Sept. 16, 1932, in his cell near Bombay, Mohandas Karamchand Gandhi begins a hunger strike in protest of the British government’s decision to separate India’s electoral system by caste. Gandhi worked all his life to spread his own brand of passive resistance. • On Sept. 15, 1954, the famous picture of Marilyn Monroe, laughing as her skirt is blown up by the blast from a subway vent, is shot. The scene infuriated her husband, Joe DiMaggio, and the couple divorced shortly afterward. • On Sept. 21, 1968, Jeannie C. Riley is the first woman to top the Country and Pop charts simultaneously. “Harper Val-

ley P.T.A.â€? was her first professional demo, which was released as a single. Eventually Riley became a born-again Christian and refused to perform her biggest career hit. • On Sept. 20, 1975, the Bay City Rollers make their U.S. debut on “Saturday Night Liveâ€? with Howard Cosell. The Rollers already were an enormous phenomenon in the U.K., where their every move was greeted by the kind of hysteria not seen since the height of Beatlemania. • On Sept. 18, 1981, the 20,000-car parking lot at Canada’s West Edmonton Mall makes the Guinness Book of World Records as the largest parking lot in the world. The West Edmonton Mall’s parking-lot record will soon be broken. In Dubai, a 40,000-space parking lot is under construction at a shopping center. • On Sept. 19, 1995, a manifesto by the Unabomber is published by The New York Times and Washington Post in the hope that someone will recognize the person who, for 17 years, killed and maimed innocent people by sending homemade bombs through the mail. David Kaczynski linked the writing style to that of his older brother Ted, who was later convicted of the attacks and sentenced to life in prison without parole. c) 2014 King Features Synd., Inc.

The washing machine doesn’t do the laundry.

Power does.

Power works tirelessly around the house. It helps us do the things we need to do -- and lets us do the things we want to do. Mountain View Electric Association is working hard to make sure that your power is reliable, affordable and responsible. With their power supplier, Tri-State, Mountain View Electric is helping homeowners, farmers and ranchers, and businesses use SRZHU DV HI¿ FLHQWO\ DV SRVVLEOH ,Q GRLQJ VR PHPEHUV of electric co-ops save money and make better use of resources. Learn more at PowerWorksForYou.coop. www.mvea.coop ‡ Like us on

11

facebook.com/MVEAInc

SNIPPETZ™ PUZZLES AND TRIVIA

TRIVIA TEST

By Fifi Rodriguez

1. COMICS: What was the name of Calvin’s neighborhood friend and classmate in “Calvin & Hobbes”?

2. LANGUAGE: What does “draconian” mean?

3. GEOGRAPHY: On what continent does the Atacama desert lie?

4. GENERAL KNOWLEDGE: What famous 19th-century author and humorist had only an elementary-school education?

5. ADVERTISING SLOGANS: What product is “the snack that smiles back”?

6. LITERATURE: What Southern author often wrote novels set in the fictional “Yoknapatawpha County”?

7. MUSIC: What was the name of Buddy Holly’s band?

8. FOOD & DRINK: What vegetable is used in making sauerkraut?

SPORTS QUIZ

By Chris Richcreek

1. When was the last time before 2013 that the Cleveland Indians, Kansas City Royals and Pittsburgh Pirates all had a winning record in the same year?

2. Name the last starting pitcher to win the N.L. Most Valuable Player award.

3. Who holds the NFL record for most career touchdown passes by a nonquarterback?

4. Which two coaches won an NCAA Division I men’s basketball national title in their final collegiate game?

5. When was the last time the Carolina Hurricanes won a game in Detroit before 2014?

9. TELEVISION: What was Marge Simpson’s maiden name on the sitcom “The Simpsons”?

6. In what year did Greece’s men’s soccer team make its first World Cup appearance?

10. HISTORY: In what U.S. city was the Republican National Convention held in 1968?

7. What was the last filly to win horse racing’s Preakness Stakes?

(c) 2014 King Features Synd., Inc.

(c) 2014 King Features Synd., Inc.

FLASHBACK

BIBLE TRIVIA

1. What was the original title of the 1959 hit “Does Your Chewing Gum Lose Its Flavour (On the Bedpost Overnight?)”?

1. Is the book of Acts in the Old or New Testament or neither?

By Mick Harper

2. Which girl group had a hit with “Stop!

In The Name of Love”?

3. George McCrae had one No. 1 hit.

Can you name it?

4. What group released “You Could Have Been a Lady”?

5. Name the song that contains this lyric: “What a field day for the heat, Ten thousand people in the street, Singing songs and carrying signs, Mostly say, hooray for our side.” (c) 2014 King Features Synd., Inc.

By Wilson Casey

2. What companion of Paul was commended for his holy-scripture knowledge since childhood? Timothy, Linus, Trophimus, Jude 3. From 1 John 4, “He that loveth not, knowest not God; for God is ...”? Honor, Love, Everlasting, Comfort 4. What king unwittingly signed a decree causing Daniel to be thrown into the lions’ den? Elah, Jabin, Darius, Agag 5. Because he was standing on holy ground, what did God tell Moses to remove? Cloak, Hat, Shoes, Armor 6. In Judges 16, who said, “Let me die with the Philistines”? Samson, Micah, Delilah, Manoah (c) 2014 King Features Synd., Inc.

BIBLE TRIVIA

TRIVIA TEST 1. Susie

1. It was 1979.

2. Extremely harsh or cruel

1) New

3. South America

2) Timothy 3) Love

4. Mark Twain

4) Darius

5. Goldfish

5) Shoes

6. William Faulkner

THIS WEEKS Answers & Solutions

SPORTS QUIZ

6) Samson

7. The Crickets 8. Cabbage

Comments? More Trivia?

Visit www.TriviaGuy.com

9. Bouvier 10. Miami Beach, Fla.

2. St. Louis’ Bob Gibson, in 1968.

3. Frank Gifford, with 14.

4. UCLA’s John Wooden (1975) and Marquette’s Al McGuire (‘77).

5. It was November of 1989, when the franchise was located in Hartford.

6. It was 1994.

7. Rachel Alexandra, in 2009.

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FLASH BACK 1. “Does the Spearmint Lose Its Flavor on the Bedpost Overnight?” The original was released in 1924. The newer cover version had to be changed because “Spearmint” was a registered trademark.

2. The Supremes, in 1965.

The song was nominated for a Grammy but lost to “Flowers on the Wall” by the Statler Brothers.

3. “Rock Your Baby,” in 1974.

4. April Wine, in 1971.

5. “For What It’s Worth,” released by the Buffalo Springfield in 1967. The song was in response to a community curfew imposed on young music fans, who then demonstrated in downtown Los Angeles.

This was the first of the Sunset Strip curfew riots (also called the “hippie riots”) where police and youth clashed.

SNIPPETZ™ COMICS AND ENTERTAINMENT ous, as bear detectives seem somewhat improbable.)

• A lightning bolt is five times hotter than the surface of the sun.

HUEY’S PAGE

by Samantha Weaver

• It was notorious Irish writer (and noted wit) Oscar Wilde who made the following sage observation: “Some cause happiness wherever they go; others, whenever they go.”

• Something to think about before you make your next call: Those who study such things say that cellphones harbor more bacteria than the toilet handles in a public restroom.

• The first private bathrooms on record date back to 8,000 B.C. Archaeologists on the Scottish island of Orkney have found the remains of stone huts built on a drainage system that emptied into a nearby stream.

• If you’ve ever seen bears groggily emerge from hibernation in the springtime, you probably won’t be surprised to learn that a group of them is collectively known as a sloth of bears. (They’re also sometimes called a sleuth of bears, though the reasons for that are not obvi-

• In the 1950s it was possible to buy a child’s atomic laboratory set. The U-238 Atomic Energy Set, marketed by the A.C. Gilbert Company, included low-level radioactive sources, uranium-bearing ore and a radiation gauge.

• When you’re standing outside in a hard rain, the raindrops are hitting you at about 20 mph.

• Every family has that one member who is hopelessly lazy, finding any excuse to avoid exerting effort. If you’d like to expand your vocabulary -- and avoid internecine squabbles -- you can call him or her a scobberlotcher.

• Your funny bone isn’t actually a bone; it’s a nerve. *** Thought for the Day: “I can write better than anybody who can write faster, and I can write faster than anybody who can write better.”

-- A.J. Liebling (c) 2014 King Features Synd., Inc.

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SNIPPETZ COMMUNITY CALENDAR To submit your event: http://snippetzonline.com/submit-an-event.html

ITALIAN CLUB MONTHLY MEETING 702 S. Tejon Colorado Springs 1st Tues. of every month 6:30pm/8:00pm If you love family, socializing and culture, then membership in Sons of Italy is right for you.

Membership is open to men and women.

More information at www.sonsofitalypp.com

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.

VFW LADIES AUXILIARY MONTHLY MEETING Sundance Mountain Lodge Carson Room 3rd Wednesday of the Month 6:30 pm. For more information contact Kathy Carlson - carlsonmkc@aol.com.

719-488-1902

VFW MEETING Sundance Mountain Lodge Carson Room 3rd Tuesday of the Month 6pm.

For more information contact Jerry Lollar at Eagleeye1946@hotmail.com. 719-264-1941

KARAOKE FRIDAYS Oakley’s Cafe & Bistro Every Friday 8:30pm Karaoke with JR’s Ultimate Entertainment every Friday starting at 8:30pm. Karaoke and music til midnight.

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.

LITTLE LOG KITCHEN, BREAKING BREAD WITH THE COMMUNITY Please join us for a FREE MEAL, the third Saturday of each month. We start serving at Noon. 133 High Street, Palmer Lake, CO

GLENEAGLE SERTOMA CLUB MEETING Luncheon meeting every Wed. 11:45 a.m.

Liberty Heights 12105 Ambassador Drive, (off Voyager Blvd in Col Springs). We offer interesting speakers and programs. Everyone is welcome. Info: Call Garrett Barton at 4335396 or Bill Bristol at 481-3366 or visit www.gleneaglesertoma.org.

BINGO American Legion post 9-11 at The Depot Primrose St. - Palmer Lake Every Saturday Night 7:00PM 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

HWY 83 FARMERS MARKET Starting June 26, Thursdays 4 pm - 8 pm through October.

15570 SH 83, C.S. 80921. Colorado Local natural and organic. Crafters welcome No participation fee - by donation.

For more information call 719-217-6452 or 719-302-3938.

PALMER LAKE ART GROUP PRESENTS 41ST ANNUAL CHRISTMAS ARTS & CRAFTS FAIR October 3-5, 2014 At Palmer Lake Town Hall 66 Lower Glenway St. Palmer Lake, CO 80133 FREE event!

Friday, Oct 3rd, 10AM – 7PM Saturday, Oct 4th, 9AM - 5PM Sunday, Oct 5th 10AM – 4PM All original works for purchase by the vendors – fiber art, paintings, jewelry, fabric items, pottery, woodcraft, decorative painting, wall art & much more! Proceeds fund art scholarships for District 38 high school students! For more info

Nick Snips

MONEY TALK

by Nick Yanez

I

t’s been 6 years now since I graduated high school. In a lot of ways it feels like longer; in other ways, much shorter. But that’s how these things go. One of the more notable decisions I made coming out of school was to not go back. Most teens from this area are destined for college before they even enter high school. Some are more suited for trade schools than universities, but feel pressured into a more “legitimate” degree. This has caused a great national complication.

Last week, in a survey conducted by CNN, it was revealed that over 40 million Americans have

Lisa Welch Stevens Attorney at Law, P.C.

Admitted to Colorado State Bar and U.S. Federal Bar for the District of Colorado

visit our website –www.palmerlakeartgroup. com or contact Margarete Seagraves 719-2296623 or seagml@compdsn.com

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Business Formation

INVESTMENT BASICS at the Monument Hill Country Club OCTOBER 16th 5:30PM - 7:30PM 2 complimentary drinks & FREE appetizers!

Please RSVP: Ashley@monumenthillcc.com

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Business Planning

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Intellectual Property

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Employment Law

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Mergers and Acquisitions

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6TH ANNUAL VIKING FAIR -a community cultural event OCTOBER 25, Sat.--- 9 AM to 2 PM Arts, Collectibles, Crafts, Food, Fun, Handwork, Music, Raffles, Unique Gifts, Vendors VIKING HALL--1045 Ford Street, Colorado Springs 80915 (n. off Galley, east of Powers) no entry fee - BREAKFAST served 9-11 AM for $8---please MAKE RESERVATIONS with Millie at 597-0381 PROCEEDS FOR CHARITIES INFORMATION--please phone 351-3554 (Eunice) or 596-6159 (Ruth)

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Member: Colorado & El Paso County Bar Association

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REVAMPING OUR PRODUCT LINE!!

We’re in the process of making major changes, including business hours, opening only on Fridays and Saturdays, revamping our inventory line.

HOLIDAY BOUTIQUE St. Peter Catholic School 124 First St. Monument November 15, 2014 9:00am-3:00pm Please join your neighbors for an enjoyable shopping day, on Saturday, November 15th from 9:00 a.m. - 3:00 p.m., at St. Peter Catholic School in Monument. You’ll find a variety of handmade items to suit your pleasure. Attendees walked away with full shopping bags last year.

You can enjoy bake sale items, too. There will also be breakfast and lunch available. This fun shopping event will take place in the school gymnasium. Please join us for a great selection of jewelry, home and gift items.

FREE ADMISSION!

MAJOR DISCOUNTS ON OUR CURRENT INVENTORY! We will be focusing on boutique items including Tyr Tactical, Nightforce

Fri:10-6 / Sat:10-5 optics, Crossbreed holsters, Zev Glocks, 481 Highway 105 Suite “E” Monument, CO

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outstanding student loan debt. Not only is that number staggering, it’s also growing. In 2008, the very year I graduated, the number of Americans with outstanding student loan debt stood at 29 million. The average debt has also increased by $6,000. Though with tuitions constantly rising, that comes as no surprise.

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school aren’t afraid of student loans because getting a loan is necessary and normal in American culture.

You have to get a car loan. You have to get a home loan. And now, you have to get a student loan.

WHY HAVE WE BUILT There is good and bad with this. The good is that more people OUR LIVES AROUND are getting degrees than ever before.

BORROWING? Obviously, the bad is that many of these young folks are force into jobs There is a new wave of fiirrelevant to their degree, paying off nancial living coming. It involves a loan that didn’t help them reach avoiding credit cards and saving their career ambitions. money. Instead of borrowing money from the bank to start your small So what am I getting at here? business, you borrow from your Is this an indictment on Universi- savings account. I know this isn’t ties? Is it just a young writer pump- possible or logical for many people. ing up his decision to skip school? It is a great option for some folks Not entirely. though. To actually accomplish such a task would require working This is more a criticism on and building something slowly but America’s credit system. The only surely. In the amount of time somegood thing about student loan debt one can get a degree, they can also is that people can build up good build something of significant value credit by paying off the loans quick- that can lead to a better life. But I ly and efficiently. But it goes the understand that’s rare. other way for those who can’t make the payments. We have based our I’m not trying to tell teens entire society around credit agen- to give up on pursuing a degree. cies deciding who is and isn’t trust- I’m not even saying building credit worthy. Young kids exiting high is bad. All I’m pointing out is that 14

the old way of basing everything off borrowing is coming to an end. I’m saying that the most important thing is that kids pursue their dreams – whether that requires a college degree or riding a bus through Europe for a year. Success is defined differently by everyone. Maybe some people are proud of their crippling debt, but I’d bet against it.

So if there are any dreamers of a certain age out there reading this I have a message: Only take on a debt you know you can return.

Don’t take it because you feel like you have to. And most importantly - do you. Finances shouldn’t define who you are as a person. It shouldn’t be a central figure in the hearts of your friends, family, and descendants once you’ve passed.

Most of all, your finances shouldn’t hold you back from doing whatever it is that you love. Don’t let them.

Feel free to send Nick an email anytime about his weekly column, or any leads you have for underreported stories he could write about, to NickSnipsMail@Gmail.com

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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

THE RULES OF MONEY

Q

uickly now, which would you rather have at the end of 31 days – a million dollars or a penny that has been doubled each and every day? If you are like most people you would have chosen the $1 million. Unfortunately, like most people you would have chosen poorly. That humble penny, doubling every day, would have grown to over $10 million -$10,737,418.24 to be exact. Don’t believe me? Do the math. One cent becomes two, two becomes four, four becomes eight, eight sixteen and on it goes until 5 million becomes 10 million. That is the power of compounded interest, a power that is often overlooked and grossly misunderstood when we talk about money.

Here are a few other rules of money that are oftentimes overlooked.

IS IT A NEED OR IS IT A WANT How we choose to spend our money is a choice. By understanding the difference between what is really needed and what it is we want we can avoid becoming a victim of circumstance. Our financial needs are really quite simple, food, shelter and clothing. Everything else is merely a want; however, our wants can be endless. Too often I find that many have put themselves in an unnecessary position of hardship (read debt) because they failed to realize the difference between what is needed and what is wanted. By making the choice to live well within your means you can put yourself in the position of financial control. And that is a strong financial place to be.

THE ENDLESS SEARCH FOR MORE It is only natural to want a better life.

A raise at work or a new position may well make it possible to get a nicer home or a better car. Unfortunately, for too many, it becomes far too easy to presume on the future – that those raises and promotions will continue – and establish a lifestyle based upon those assumptions. When the raises and promotions don’t come they oftentimes put themselves in the position where debt is used to satisfy their expectations.

Thus creating a lifestyle, based upon

debt, that can lead to financial ruin. It is better to find happiness somewhere other than in our possessions.

EVERY OPTION HAS COSTS By understanding the opportunity costs of our financial choices and making the time to understand those choices we can make better financial decisions.

Every time we choose to spend money we are making a choice. We are giving up other opportunities in order to fulfill a current need or want. Is it better to buy new furniture or set aside the money for the kid’s college education?

I don’t know the answer. That is your choice. But I do know it is better to be in control of your decisions than to allow circumstances, or worse, short term wants to drive your choices.

SUNKEN COST MYTH We have all been in situations where we have incurred expenses that can never be recovered. Whether it be a car that needs a new motor, an investment that only goes South or something else that seems to require an endless stream of money. The sunken cost myth is just that, a myth, a belief that somehow if we only invest more time, more money or more effort we can recover what has been promised. That is a fallacy.

Don’t throw good money after bad. In investing, I find too often investors will hold onto an investment and even invest more with the hopes that they will at some point at least break even. The cost unfortunately was lost opportunity and better use of resources. Make your decision to invest your time, your money, or your talents based upon the facts today and not upon your choices made yesterday.

Honoring God with Your Financial Blessings CHUCK MAHER CFP PO Box 39 Monument, CO 80132

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

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

out that education, not a lot of time was spent on how to manage money and use it effectively. Make the time to learn how to make sound financial choices. In the long-term you’ll be glad you did.

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) 4810549.

“…I know indeed how to live in humble circumstances; I know how to live with abundance…I have strength for everything through him who empowers me.” Philippians4:12-13

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

28 YEARS

RISK With every financial choice comes risk, especially when we make the decision to invest. When we accept a greater risk with our investments it is reasonable to expect a potentially greater return. If you choose to invest in US government bonds you can expect a high degree of safety and a very low return on your investment. When you invest in a US corporation you have the opportunity for a much higher return, however, that return carries with it the risk of losing some or even all of your investment. I would encourage you to avoid investments that promise high guaranteed returns with little or no risk. There ain’t no such thing as a free lunch.

Sadly money does not come with operating instructions. For most of us a lot of time was spent on learning how to make money. Unfortunately, through-

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