Issue 780

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For Advertising Call:

40,000 Readers Weekly

Of Douglas Douglas & & Elbert Elbert Counties Counties Of

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Issue 780 - August 6, 2012

The Neatest Little Paper Ever Read!®

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EAT YOUR GREENS!

by Patricia L. Cook

Just as “Popeye” from the cartoon of days gone by ate his spinach for strength, we should eat plenty of leafy green vegetables as part of our everyday diet. This Tidbits look at leafy greens that are good for you, just as your mother said!

• The National Cancer Institute reports, “foods rich in vitamins A and C have been associated with the reduced risk of certain cancers.” Many leafy green vegetables are excellent sources of these two vitamins as well as vitamins K and B, calcium, iron, fiber and more.

Greens are naturally low in sodium and calories. For example: a cup (0.2 l) of raw spinach has only 14 calories and a ½ cup (0.1 l) serving of cooked collards has only 38 calories. All greens are fat and cholesterol free.

• According to Jill Nussinow, registered dietician, culinary educator in Northern California and author of a very informative book, “The Veggie Queen,” “Greens are the No. 1 food you can eat regularly to improve your health.”

• Keep these in mind when eating greens: “Green is good.

Dark green is better. Organic dark leafy green is best.” If you grow your own — and they are easy to grow — you know how your vegetables have been treated.

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Interesting Stuff

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EAT YOUR GREENS! (continued): • Nussinow, in a webMD article, ranked the nutrition of the most widely eaten greens in the United States. The top 10 are: kale, collards, turnip greens, Swiss chard, spinach, mustard greens, broccoli, red and green leaf and romaine lettuces (altogether), cabbage, and iceberg lettuce.

• There are other nutritional greens not listed above that are widely available in North America.

The information available for all greens is immense. We’ll look at some interesting Tidbits for both highly and less popular greens.

• Even though it may sound incorrect, all greens are not green! Leafy green vegetables have much color variety, from the bluish-green of kale to the bright “Kelly” green of spinach, to the light, somewhat white of cabbage.

• There is even a black cabbage (Cavalo Nero), which is actually a very dark green that is also called Tuscan kale. It originated from the Tuscany region of Italy where it is grown in most vegetable gardens. Cavalo Nero is an essential ingredient in the very healthy signature soup of the region, ribollita.

• The Tuscan region of Italy is famous for many culinary things including the cooking term, “Florentine.” This term can be interpreted as the cooking style used in Florence, Italy, but has also come to describe the cuisine that includes spinach as an ingredient. Florentine cooking also uses fresh herbs like rosemary, basil, parsley and thyme.

Since Tuscany is close to the coast, Florentine cooking features seafood dishes as well as local boar, rabbit and beef from the regions’ white Chianina cattle. According to folklore, the association of spinach with Florence may have been because of Catherine de Medici, the Italian wife of King Henry II, who reigned in France from 1560-1563.

• Supposedly to honor her Italian roots, Queen Catherine introduced spinach to the Court of France and dubbed any dish containing spinach to be “Florentine.” Whether the story is true or not, Florentine is now synonymous with spinach in dishes such as Eggs Florentine, Oysters Florentine and more.

• To make for some confusing terminology, “Florentines” refer to a sweet, baked confection that contains no spinach! These Florentines are a European sweet served as a cake, bar or cookie. Sweet Florentines are a mixture of candied fruit, toasted nuts, honey and/or sugar and topped with a layer of melted chocolate.

• Moving away from sweets and back to greens, a green that has many names around the world is rapini or what is more commonly known as brocContinued on page 7

Tidbits of Douglas County 303-994-9683

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Tidbits® of Douglas & Elbert Counties 3

Cat Q & A Dr. James Olson - The Meow Doc

Strange Noises – Is Your Cat Afraid?

Some cats adapt to common and strange noises instantly and some cats can never adapt to these sounds. Trying to soothe your cat may not work and these sounds may be feared life long.

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Examples: Computers and printers can create fascination and fun for a curious feline. Turn on the printer and your cat may rush over to sit on it, lie on it and play with the paper as it comes out. Your cat may want to be your computer buddy every time the opportunity presents.

Whereas your other cat flees in terror when you do computer/printer things. Cats respond differently to sounds depending on their personality, experiences and their survival instincts. Some cats can learn to accept the noise and some cats cannot.

Cats respond to noise differently than dogs. Dogs use ‘escape behavior’ to run away and hide from thunder and fireworks (freaking out!) whereas cats are scared of unexpected household noises from dishwashers, vacuums, and construction work retreat and hide. Less often do cats get frightened by thunder and fireworks or they will find a safe place until the disturbance passes.

Survival and genetics play a strong role in protecting the cat from harm. Some cats are genetically afraid of most things (such as a feral barn cat) and will never adjust to living with humans. Cats will retreat to a safe place and hide to survive.

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Pleasure noises: opening a tuna can will bring your cat running from a sound sleep, sounds of play with other cats and opening the refrigerator. Cats adapt to positive noises very quickly and will teach owners to repeat these actions by purring, meows and seeking attention. Cat train people!

If your cat is a scaredy cat, let your cat retreat and hide in a safe place of his choosing. Your cat will usually come out when enough time has passed and it is safe to come out. This behavior is natural and this is what happens to cats in the wild. Luring your cat out of hiding by treats or playing with a toy can help soothe the situation. Desensitization with repeated exposures to the noise at low levels and gradually increasing will help adjust your cat to the noise as being normal. Again, some cats will never adjust to certain noises.

A newer way of calming cats is by using pheromone collars. Pheromones can help calm cats and help your cat learn that strange noises are not harmful.

Dr. James K. Olson is "The Meow Doc", a nationally recognized veterinarian specializing exclusively in cats. Dr. Olson holds the title of Diplomate, Feline Specialty, from the American Board of Veterinary Practitioners. He is certified to practice nuclear medicine by the State of Colorado Department of Radiaton Safety. His practice is located in Castle Rock, Colorado. For more information please visit his comprehensive website: www.CatSpecialist.com

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We don’t deal with any other species! We’re able to handle nearly every cat in a quiet, calm manner – even if the cat is scared or angry. Not only does your cat not SEE dogs, but he or she won’t smell or hear them either, which helps get each visit off to a great start. From there, our experienced staff is able to “read” each cat, keeping the visit as stress-free as possible.

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For Advertising Call Tim (303)994-9683 4 Twenty Questions Tidbits® of Douglas & Elbert Counties

20 QUESTIONS

Baby boomer trend: asset-based long-term care insurance (Part 2 of 2) These products answer three big questions from consumers thinking about long-term care coverage, says Alyce Peterson, vice president of marketing services for Pacific Life, which introduced Pacific PremierCare in March: What if I need long-term care?

What if I never need it?

What if I get into this policy and it isn't really for me?

What's fueling the asset-based long-term care insurance trend?

Slome says today's low-interest rate environment might be fueling some of the demand.

Consumers can't earn much on cash they're reserving for emergencies, so they figure they might as well put it into an insurance policy that can provide long-term care benefits worth several times more than the original investment. Or, at the very least, it can provide money to heirs if they never need long-term care.

Combination policies have been around since the late 1980s, but they didn't take off until the mid- to late-2000s, when insurers enhanced and repackaged the products.

Lincoln Financial Group introduced MoneyGuard Reserve, a universal life policy, in 2005, marketing it as a "live, quit or die" solution with a streamlined application process. Applicants have to answer medical questions, but they don't have to undergo a life insurance medical exam or get blood tests.

Last year, Lincoln Financial rolled out MoneyGuard Reserve Plus, now available in most states. The new product did away with elimination periods, so you can collect long-term care benefits as soon as you qualify for them. It also lets you access long-term care when living abroad and provides an option for benefits to increase and keep up with inflation.

By the numbers: asset-based long-term care insurance scenario Here's an example of how it works: A 65-year-old nonsmoking man in good health pays a $50,000 premium for a policy to provide up to $180,000 of long-term care benefits. If he never needs long-term care, the policy pays a $56,021 death benefit to the beneficiary. If the insured decides he doesn't want the insurance, his $50,000 is returned upon policy surrender.

MoneyGuard sales were up 19 percent in the first quarter of this year over the same quarter in 2011, says Michael Hamilton, vice president of Lincoln Financial Group's MoneyGuard and Institutional Product Management.

Peterson says sales of Pacific PremierCare are exceeding expectations. The universal life policy provides two to eight years of long-term care benefits, and it offers inflation benefit options as well as a streamlined application process. A big selling point is the long-term care benefits are tax-free, Peterson says. A consumer who self-insured would have to pay taxes on money pulled out from a 401(k) account to pay for long-term care.

Slome says he expects overall sales of combination products to grow as more insurers enter the market, but he doesn't think the products will replace traditional long-term care insurance.

Combination policies are out of reach for folks who can't afford to part with a lot of cash all at once. He cautions that most combination products, unlike traditional long-term care insurance, don't include inflation protection, and some offer benefits for just two to three years. Still, he adds, "I think they're a very viable solution today for the right kind of person."

For more information on these combination polices, contact Don Meyer of Associates Health Group at 303-794-9101 or don@ahghealth.com.

Brought to you by

Answers: 1. Toto 2. Armistice Day in honor of World War 1 veterans 3. Sake 4. Rolls Royce 5. 3000 6. True 7. Basketball 8. Five to seven gallons 9. Wool 10. Denmark 11. The Bible says he was 120 years old 12. Montana 13. Pillbox 14. Piano 15. Dirty snow 16. Yes. Did it work? 17. Salt Lake City gets an average of 17” more snow than Fairbanks 18. The White House 19. A herb that stimulates the immune system 20. True

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Sudoku Made Possible By

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1. What was the name of the dog in The Wizard of Oz? 2. What was the original name of the holiday we call Veterans Day? 3. What do you call the Japanese wine made from rice?

4. The statuette The Spirit of Ecstasy sits atop every hood of what automobile?

5. Guess how many islands are in the Bahamas chain of islands in the Caribbean: 3000, 300, or 30.

6. True or false: If you place a minute amount of liquor on a scorpion, it will instantly go mad and sting itself to death.

7. Which sport is the most popular among college women: basketball, tennis, or swimming?

8. How many gallons of water does the average toilet hold?

9. If you sheared an alpaca what would you get?

10. Copenhagen is the capital city of what country?

11. How old was Moses when he died? 1. 60, 2. 120, or 3. 160 12. Which is bigger, the state of Montana or the Italy?

13. What style of hat was made famous by Jacqueline Kennedy when she wore it to her husbands inauguration as President of the United States in 1961?

14. What instrument did the entertainer Liberace play?

15. Which melts faster, dirty snow or clean snow?

16. We all know that seeing someone yawn makes us want to yawn as well. But what about reading about yawning? Does that make you want to yawn as well?

17. Which city gets more snow: Salt Lake City, Utah or Fairbanks, Alaska?

18. What was the biggest house in the United States before the Civil War? 19. What is Echinacea?

20. True or false: Girl crickets can’t chirp.

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Scott McQueen is the owner of Pinetree Jewelers, Parker’s oldest jewelry store established in 1976. It is located at 11028 S. Pikes Peak Drive in Parker. For more information on gemstones or jewelry of any kind call 303.841.2666

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Scott McQueen Tsavorite gets its name from the worldfamous Tsavo National Park located in Kenya where only a few mines yield the shining green garnet. In 1967 Campbell R. Bridges, a British geologist was searching for gemstones in Tanzania (East Africa) when he came across some peculiar potato-like nodules of rock. After examining them he realized he had discovered green grossularite, a mineral that belongs to the colorful garnet group. He was impressed at the extraordinary color and superior clarity but the tremendous forces of nature over millions of years had damaged most of the crystals so badly that there were only grains or fragments to be found.

Bridges postulated that the geologic seam bearing the gemstones might continue across the border into Kenya. He was right, and in 1971 he discovered tsavorite in neighboring Kenya. Here Bridges was able to register officially and begin to mine the deposit, but Africa would prove a challenge. To protect him self from wild animals he lived in a tree house, and to keep his gemstones from being stolen he used a python to watch over them. Now, thanks to Campbell Bridges, you can purchase vivid green tsavorite at a reasonable price and you won’t have to worry about the python.

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THIS IS A HAMMER

By Samantha Mazzotta Shower Head a Leaky Mess Q: I have one of those flexible sprayer shower heads that you can lift from its holder and use. Whenever I turn on the shower, water squirts from the part where the holder attaches to the water pipe, and also runs from the end of the hose where it attaches to the shower head. Do I need to replace it or can I fix this? -- Lorelei D., Atlanta A: Check the shower head attachment points for any visible damage first. A visibly cracked hose or plastic attachment piece often means the entire unit needs to be replaced. However, if you can’t see any damage, you may be able to fix this with just the twist of an adjustable wrench.

To avoid damaging or scratching the connector nut -- which attaches the shower unit to the inlet pipe (sometimes called a goose-neck pipe) -- wrap a soft rag around the nut. Use an adjustable wrench that can fit comfortably around the connector nut, and gently turn the nut clockwise just slightly -- one-quarter turn at most. Unwrap the rag from around the connector nut and turn on the shower to see if the leak has diminished or stopped. If it needs more adjustment, replace the rag and gently turn the connector nut another quarterturn.

Keep in mind that turning the connector too tight may make the leak worse; that’s one reason to make such small incremental adjustments. Another reason is to avoid damaging the connector nut or the seal.

If you notice cracks or other damage to the shower unit, in most cases you’ll need to replace the entire unit (except for some more expensive shower heads, which often offer replacement parts from the manufacturer). To replace the unit, head to the home-improvement store and pick out a shower head of your choice, along with some Teflon tape.

Back home, turn off the water feed to the shower. If you can’t find the nearest shutoff valve, turn off water to the house.

Unscrew the old shower sprayer unit from the inlet pipe, using your pliers and turning counterclockwise to loosen and remove it. Clean away any old sealant, tape or gunky buildup from the threads of the inlet pipe.

Unwrap the new shower unit and take a look at the connection and accompanying hardware. Connectors that come with a rubber washer generally need to be tightly screwed on using your pliers; connectors that don’t generally just need to be hand-tightened.

Now, take your new Teflon tape. Wrap it carefully around the threads of the inlet pipe, creating a single layer around the threads from the end of the pipe to just below the end of the threads. (The tape will push upward when you screw on the new shower head, so leave a bit of space.) Press the tape into the threads with your fingers.

Carefully line up the connector of the new shower unit with the pipe and screw on, turning clockwise. Use your hand to tighten the connection; if you need to tighten more, protect the finish of the connector by wrapping a rag around it and tighten in small increments using pliers. Turn on water to the shower to test the connection, adjusting slightly if needed until the connection no longer leaks.

HOME TIP: Don’t have a set of pliers that fit your pipes? Look for channel locking pliers, which can open to a range of widths to fit varying widths of pipe.

Send your questions or tips to ask@thisisahammer.com, or write This Is a Hammer, c/o King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475.

Tidbits Information

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7

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Bankruptcy Basics (part 3)

Prior to filing a petition for bankruptcy, you are now required to complete a course and obtain a certificate of completion. The class is called Credit Counseling. While the thought of such a class is typically not pleasant, the actual course is relatively short and generally of some value.

The credit counseling course can be completed in a variety of different formats: over the phone, in person, or on the internet. The cost for credit counseling varies, depending on the company you go through, typically costing less than $50.00.

After you actually file for bankruptcy, there is a follow up course that must be completed: financial management. The secondary course can be completed in the same format as the first course.

GOLF AND COUNTRY CLUB 331 Players Club Drive Castle Rock, CO 80104

For more information call: 303-660-2200

Protect your home or business

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FORUM QUESTION: “I filed a Chapter 7 bankruptcy before. Tough times have put me in a bad spot and I need to file again. When can I file?”

-You must wait 8 years from the date you last filed for Chapter 7 until you can file another Chapter 7; you are eligible to file for Chapter 13 relief 4 years after you filed for Chapter 7.

The foregoing information is not intended to be, and should not be, construed as specific legal advice.

Please see our ad on page 1 of Tidbits.

April Norton, Esq. Norton Law, P.C. 9896 Rosemont Ave., Ste. 103 Lone Tree, CO 80124 Telephone: (303) 202-0303

Quality Service on all Foreign and Domestic Vehicles “Your Hometown Service Center” 303-841-8000 10270 S. Dransfeldt Rd.Quality #400 Service on all Foreign Parker, CO 80134 and Domestic Vehicles FAX: 303-841-8050 gregsautorepair.com

303-841-8000 10270 S Dransfeldt Rd #400 Parker, CO 80134 gregsautorepair.com

Family Owned and Operated Small Business

ASE CERTIFIED MASTER TECHNICIAN WITH OVER 23 YEARS EXPERIENCE

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For Advertising Call Tim (303)994-9683 8 Ask The Dentist

Tidbits® of Douglas & Elbert Counties

Dustin Lynn Bodily Staci Marie Foster ZACHARY TAYLOR MERRILL LUCAS LUCAS JOHN JOHN GRAY GRAY 32 years old 23 years old 23 YEARS OLD 21 21 years years old old 6’3” 180 lbs 5’5” 140 lbs.

5’6” 135 LBS 6’2” 6’2” 175 175 lbs lbs Blonde hair, Blue eyes Blonde hair, Green eyes BLONDE HAIR, BLUE EYES Blonde Blonde hair, hair, Blue Blue Eyes Eyes LKA: Castle Rock, CO LKA: Littleton, CO LKA: LITTLETON, CO LKA: LKA: Castle Castle Rock, Rock, CO CO Charges: Harassment Charges: Fraud, Unauthorized CHARGES: INTENT TO COMMIT TRESPASS, Charges: Charges: 11 & & 2nd 2nd warrant/ warrant/ Burglary Burglary use of a Financial 2ND WARRANT DRIVING WHILE ABILITY of of Building, Building, 3rd 3rd warrant/ warrant/ Transaction Device IMPAIRED, 3RD WARRANT FALSE REPORTING Burglary Burglary of of Dwelling, Dwelling, Theft Theft TAKE NO ACTION TO APPREHEND THESE PEOPLE YOURSELF! For immediate action call 303.660.7500 or your local law enforcement agency. To provide information & remain anonymous, call the Douglas County Sheriff’s warrant tip line at: 303.660.7574, email warrants@dcsheriff.net or leave a tip online at www.dcsheriff.net

Ask the Dentist

All your protection under one roof.

Q: Does Gum Disease Cause Heart Attacks?

A: Yes…….and strokes, low birth weight babies.

Recent research proves a definite link between gum disease, heart disease, stroke, and pre-term low birth weight babies.

Timothy G Brown, Agent

734 Wilcox Street #100 Castle Rock, CO 80104 (720) 733-2584 KUB1373-Equestrian Combo ADBLDR 1/4/07 3:12 PM Page 1 Company and its Subsidiaries www.timothybrownagency.com American Family Mutual Insurance American Family Insurance Company

Good oral health is more than just having an attractive smile; it can have a definite relationship to your overall health, lifestyle, and longevity. The Academy of General Dentistry (AGD) reports that more than 90 percent of all systemic diseases can be manifest in abnormal oral health.

Home Office — Madison, WI 53783 amfam.com © 2009 07497 — Rev. 2/09

Q: How do I know if I have Gum Disease?

A: Warning signs of gum disease include: • Stinky breath • Puffy, red, sore gums that may bleed when brushing or flossing • Loose teeth • Changes in the way the bite fits or feels • Receding gums exposing the root surfaces Q: Is gum disease contagious?

A: Yes! The bad bugs (“bacteria”) that cause gum disease are readily passed from one person to another.

(Be sure to “think before you kiss”!)

Gum disease (Periodontal Disease) is an infection in the gums and bone supporting the teeth, caused by specific bacteria. These bacteria organize into a sticky, creamy, stinky substance (plaque) that sticks tenaciously around the teeth and gums. Gum disease can advance for years without detection or pain.

Damage to the supporting bone is irreversible.

The best cure is prevention before it happens or stopping gum disease in its tracks before major damage and tooth loss occur, and before you pass it to your “significant other”.

See your dentist and dental Cindy Rose hygienist and be sure to ask those important questions above – or call our office for a FREE Periodontal check-up and exam.

If you any dental questions, please give Dr. Burgner a call at 720-870-9500, or consult the website: www.

ParkerLumineers.com

Dr Burgner has served on the Fellowship Examination Committee of the Academy of General Dentistry (AGD), and received national recognition awards from that 30,000 member organizaation. He has also been recognized in the local magazine 5280. He practices General Family and Cosmetic Dentistry in Parker, Colorado.

Powerful and playful.

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The RTV900 has a powerful 21.6 HP diesel engine and 3-range variable hydrostatic transmission (VHT) to handle everything else.

Steel Tractor, Inc. 9479 Bandley Dr. Fountain, CO 80817 (719) 392-9292

www.kubota.com Please see our ad on page 2 of Tidbits 720-870-9500 10470 S Progress Way #100 Parker, CO 80134

'Kubota Tractor Corporation, 2007

KUB1373 - 2007 Equestrian Combo - NATL ADBUILDER - 7.5 x 10 - 4c - 1-2-07

Classified Page

Help Wanted

Jobs

THE OCEAN Corp. 10840 Rockley Road, Houston, Texas 77099 Train for a new Career. *Underwater Welder.

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WANTS TO purchase minerals and other oil & gas interests.

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Business Directory

Castle Rock & Highlands Ranch

Parker & Franktown Areas

Attorneys Morse & Associates........................................303-300-6684 www.MorseBankruptcy.com Basement Finishing Seller Construction, Inc..................................303-514-7701 www.SellerConstruction.com Cat Specialists The Cat Specialist...........................................303-663-2287 612 Atchison Way, Castle Rock Churches Center for Spiritual Living..............................720-851-0265 2301 Woodlands Blvd, Castle Rock Diesel Repair Shop Douglas County Diesel...................................303-660-9986 1221 Caprice Dr, Castle Rock Drill Seeding Almar Farms....................................................303-805-9469 Environmental Services AAMREX.......................................................303-883-3750 Farm & Ranch Supply Circle B Farm & Ranch...................................719-481-6161 773-B Hwy 105 Palmer Lake HayCo.............................................................719-339-3525 Field Mowing Almar Farms...................................................303-805-9469 Gutters JPE Contractors...............................................303-663-8118 200 S Wilcox St., Castle Rock Home Services Colorado Carpet Steamers...............................720-237-0931 www.coloradocarpetsteamers.com Mr. Appliance...................................................303-688-5233 www.mrappliance.com/douglascnty Hydroponics Stores Big Bloomz Hydro..........................................303-688-0599 1011 Caprice Dr, Castle Rock Natural Wellness Pharmacies ITC Compounding...........................................303-663-4224 651 Topeka Way #600, Castle Rock Piano Teacher Nancy “Bubbles” Horvath...............................720-344-4107 NancyHorvath@comcast.net Youth Sports DC Dolphins Basketball, Baseball, Cheer, Football, Softball, Volleyball................................................303-688-4011 www.DC-Dolphins.org

Banks Champion Bank..............................................303-840-8484 16790 Centre Ct, Parker Cabinetry & Kitchen’s Brin Custom Cabinets....................................303-688-6743 Cell.................................................................303-304-6838 Cash for Cars & Trucks Chunky’s Towing............................................720-560-6763 Computers Onsite Computer..............................................303-909-3553 Customepc@gmail.com Diesel Repair Shop Diesel Repair and Performance......................303-841-6527 6250 E Pine Lane, Parker Drill Seeding Almar Farms...................................................303-805-9469 Farm & Ranch Supply Circle B Farm & Ranch...................................719-481-6161 773-B Hwy 105 Palmer Lake HayCo.............................................................719-339-3525 Field Mowing Almar Farms....................................................303-805-9469 Financial Edward Jones/Cindy Rose..............................303.688.2127 2195 N Highway 83 #23 - Franktown, CO 80116 Firewood Franktown Firewood.......................................303-660-0072 Gymnastics A+ Athletics....................................................303-953-7320 7104 S Dillon Ct, Centennial Home Services Colorado Carpet Steamers...............................720-237-0931 www.coloradocarpetsteamers.com Mr. Appliance...................................................303-688-5233 www.mrappliance.com/douglascnty Horse Riding Lessons Pony Play........................................................720-851-4925 Jewelry Stores Pinetree Jewelers.............................................303-841-2666 11028 S Pikes Peak Dr, Parker Natural Wellness Pharmacies Brown’s Compounding....................................303-805-9543 10259 S Parker Rd., Parker Real Estate Coldwell Bankers, Pius Schenker...................303-921-1749 www.piusrealestate.com

Cindy

ALL DRY Fire Damage Restoration specializes in restoration of any salvageable building materials by HEPA vacuuming, cleaning to remove soot & odors, disposal of any unsalvageable materials, and drying of any water damaged materials.

Call (504)952-3030 & we will address your needs promptly. http:// alldrywaterdamage.com katrinadamage@yahoo. com

9

Classified

Education

Misc

Tidbits® of Douglas & Elbert Counties

For Advertising Call Tim (303)994-9683

All investments carry risk.

But, as an investor, one of the biggest risks you face is that of not achieving your long-term goals, such as enjoying a comfortable retirement and remaining financially independent throughout your life. To help reach your objectives, you need to own a variety of investment vehicles — and each carries its own type of risk.

If you spread your investment dollars among vehicles that carry different types of risk, you may increase your chances of owning some investments that do well, even if, at the same time, Cindy Rose you own others that aren’t. As a result, you may be able to reduce the overall level of volatility in your portfolio. (Keep in mind, though, that diversification can’t guarantee a profit or protect against all losses.)

To diversify your risk factors, you first need to recognize them.

Here are some of the most common types of investment risk: Market risk — This is the type of risk that everyone thinks about — the risk that you could lose principal if the value of your investment drops and does not recover before you sell it. All investments are subject to market risk. You can help lessen this risk by owning a wide variety of investments from different industries and even different countries.

Inflation (purchasing power) risk — If you own a fixed-rate investment, such as a Certificate of Deposit (CD), that pays an interest rate below the current rate of inflation, you are incurring purchasing power risk. Fixed-income investments can help provide reliable income streams, but you also need to consider investments with growth potential to help work toward your longterm goals.

Interest-rate risk — Bonds and other fixed-income investments are subject to interest-rate risk. If you own a bond that pays 4% interest, and newly issued bonds pay 5%, it would be difficult to sell your bond for full price. So if you wanted to sell it prior to maturity, you might have to offer it at a discount to the original price. However, if you hold your bonds to maturity, you can expect to receive return of your principal provided the bond does not default.

Default risk — Bonds, along with some more complex investments, such as options, are subject to default risk. If a company issues a bond that you’ve bought and that company runs into severe financial difficulties, or even goes bankrupt, it may default on its bonds, leaving you holding the bag. You can help protect against this risk by sticking with “investment-grade” bonds — those that receive high ratings from independent rating agencies such as Standard & Poor’s or Moody’s.

Liquidity risk — Some investments, like real estate, are harder to sell than others. Thus, real estate is considered more “illiquid” than many common investments.

Make sure you understand what type of risk is associated with every investment you own. And try to avoid “overloading” your portfolio with too many investments with the same type of risks.

Doing so will not result in a totally smooth journey through the investment world — but it may help eliminate some of the “bumps” along the way.

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

Cindy Rose, Financial Advisor Edward Jones 2195 N Highway 83 #23 - Franktown, CO 80116 303.688-2127 Member SIPC

10 Church & Community

Tidbits® of Douglas & Elbert Counties

For Advertising Call Tim (303)994-9683

Affordable Health Insurance

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Rates are illustrative only. Actual rates subject to full medical underwriting.

Looking for a New Beginning?

Join Us A Friendly Place to Worship

Are you on a Spiritual Path?

LET’S JOURNEY TOGETHER

new beginning community church

Center for Spiritual Living

10550 S Progress Way & Longs Way Parker, CO 80134 Phone: 720-495-2949

Sunday School for All Ages Coffee and Fellowship Praise and Worship Service Wed Evening Youth Fellowhsip

of Castle Rock Sunday 10 a.m.

Location: Castle Rock Recreation Center 2301 Woodlands Blvd Castle Rock CO 80104 www.CRCSL.org

9:00AM 10:00AM 10:30AM 7:00PM

720-851-0265

Free Woman’s Hormone Seminar * Weight Gain? * Constant Fatigue/Poor Sleep Pattern? * Lack Of Sexual Drive? * Mood Swings? * PMS It could be hormone deficiencies or severe thyroid dysfunction.

There is help for you!

Join us for a Free Women’s Hormone Seminar and receive information on our hormone analysis testing, detoxification strategies and hormone replacement therapy. A simple saliva test can help our specialists develop a treatment plan that is custom tailored to you!

For more information or to RSVP call today!

303-663-4224

651 Topeka Way, Suite 600 • Castle Rock • 80109 • www.itcpharmacy.com

Make an effort to live a green lifestyle and grow some green in your pocket, too. This month, break old habits and take a step away from energy-waste to energy-smart.

“By maintaining your appliances regularly, you can extend the life of your investment and save energy,” said Ken Hutson, owner of Mr. Appliance of Douglas County. “The harder an appliance has to work to do its job, the more energy it consumes in the process, which puts a strain on the appliance, the environment and on your energy bills.”

Follow these simple 10 tips from Mr. Appliance to make your appliances not only benefit planet earth, but also your pocketbook.

1. Give your refrigerator some breathing room by keeping the appliance at least two or three inches away from the wall. Place your refrigerator away from direct sunlight and appliances that produce heat to make your refrigerator run more efficiently.

2. Do you crave a midnight snack, but can’t decide what to eat? Keep your fridge full, not only to satisfy all of your midnight munchies, but also to help the fridge save energy after recovery from the door being open.

3. Check and care for the rubber seals surrounding the inside of your fridge by using mild soap twice a year to help prevent cracked and torn seals. Use your money to test the seals by placing a dollar bill halfway inside the refrigerator door. If the dollar pulls out easily, then your losing money in more than one way and it may be time to replace the rubber seals.

4. If you notice your food cooking unevenly or it is taking longer than before, it may be time to replace cracked or torn door seals that can allow up to 20% of heat to escape.

5. When cooking up your favorite meal, turn off electric burners two to three minutes before you finish cooking and let the residual heat sauté the rest to perfection.

6. Save yourself a step by planning out your cooking schedule to only bake in the oven instead of preheating. Sometimes there is no need to preheat if the food requires more than an hour in the oven.

7. When tidying up your kitchen don’t forget about your electric and gas burners. Clean burners allow for a more efficient use of energy.

8. Save up to 20 gallons of water by hand -scraping your dishes, instead of running water for your prerinse.

9. Give your dishes a breath of fresh air by turning your dishwasher setting to air-dry or open the dishwasher after the rinse cycle.

10. Give your dishwasher a wash of its own by running an empty cycle with a citric acid-based cleaner. The cleaner will remove soap and calcium build-up that makes your dishwasher work harder than it has to.

Follow these do-it-yourself energy efficient tips periodically by adding them to your family calendar. To help prolong the life of your appliances, combine these tips with regular visits from your local appliance repair professional.

Through the use of simple maintenance tasks you can extend the life of your appliances, your bank account and most importantly, our planet.

For recipes, appliance and energy tips follow us on Twitter @ MRADouglasCnty, like us on Facebook at http://www. facebook.com/MrApplianceDouglasCounty and follow our boards on Pinterest at www.pinterest.com/MrApplianceCorp.

Book a call online at www.mrappliance.com/douglascnty or call 303-688-5233

Friday, August 10th Doors Open at 6 p.m.

About Mr. Appliance®: Mr. Appliance® is North America’s largest appliance repair franchise system. Established in 1996, its franchises feature full service residential and commercial appliance maintenance and repair.

Recognized by Entrepreneur magazine’s Franchise 500, Top 101 Home-Based Franchises and ranked Top Home Repair Franchise System, Mr. Appliance® has 130 locations throughout the United States and Canada. Mr. Appliance® is a subsidiary of The Dwyer Group, Inc. For more information, visit www.mrappliance.com.

Please see our ad on page 6 of Tidbits!

Moments in Time

For Advertising Call Tim (303)994-9683

GOT PRAYERS? WRITE THEM DOWN AND SEND THEM WITH YOUR ONE DOLLAR GIFT TO

PRAYERS INC. PO BOX 260182 LAKEWOOD CO 80226

Tidbits® of Douglas & Elbert Counties 11

Living in Love...

Abounding in Faith...

Manifesting THE BLESSING...

“VICTORY IN THE WORD” CONFERENCE!

WE WANT TO PRAY WITH YOU WWW.PRAYERS-INC.COM

Make Plans Now to Attend!

August 9-12, 2012 Faith Life Fellowship 17 S. Gilbert Street Castle Rock, CO 80104 303-688-1888 www.FaithLifeFellowship.us

¥ On Aug. 24, 79, after centuries of dormancy, Mount Vesuvius erupts in southern Italy, burying the Roman cities of Pompeii and Herculaneum. In the 18th century, the cities were rediscovered and excavated, providing an unprecedented archaeological record of the everyday life of an ancient civilization. ¥ On Aug. 25, 1835, the first in a series of six articles announcing the supposed discovery of life on the moon appears in the New York Sun newspaper. The hoax articles offered vivid description: enormous amethyst crystals and lush vegetation, as well as animals such as unicorns, two-legged beavers and furry, winged humanoids resembling bats. ¥ On Aug. 23, 1902, pioneering cookbook author Fannie Farmer, who changed the way Americans prepare food by advocating the use of standardized measurements in recipes, opens Miss Farmer’s School of Cookery in Boston. ¥ On Aug. 20, 1920, the owners of four Ohio League teams -- the Akron Pros, Canton Bulldogs, Cleveland Indians and Dayton Triangles -- meet to form a new professional football league. Football star Jim Thorpe was nominated as president of the new league. ¥ On Aug. 21, 1959, President Dwight Eisenhower signs a proclamation admitting Hawaii into the Union as the 50th state. The president also issued an order for an American flag featuring 50 stars arranged in staggered rows. ¥ On Aug. 22, 1962, President Charles De Gaulle of France survives one of several assassination attempts against him thanks to the superior handling performance of the presidential automobile, the Citroen DS 19.

During the attack, a hail of 140 bullets shattered the car’s rear window and punctured all four of its tires. ¥ On Aug. 26, 1974, Charles Lindbergh, the first man to accomplish a solo nonstop flight across the Atlantic Ocean in 1927, dies in Maui, Hawaii, at the age of 72.

To reduce weight on the plane during his famous flight, everything that was not essential was left out: radio, gas gauge, night-flying lights, navigation equipment and parachute.

I BUY OLD OR USED GUITARS & AMPS Accepting Applications for Technician & Detail Department!

We can buy any musical instrument Amplifiers, Guitars, Violins Trumpets, Drums & PA Systems Call 303-667-4397

For Advertising Call Tim (303)994-9683 Laugh Lines

Laugh Lines!

Confused The wife left a note on the fridge . . . . . . . .

"It's not working!! I can't take it anymore!! I've gone to stay at my Mothers!"

I opened the fridge, the light came on and the beer was still cold . . . . . .

What the heck is she talking about?!!

Tidbits® of Douglas & Elbert Counties 12

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A COWBOY TOMBSTONE: Here are the Five Rules for Men to Follow for a Happy Life that Russell J. Larsen had inscribed on his headstone in Logan, Utah. He died not knowing that he would win the 'Coolest Headstone' contest.

FIVE RULES FOR MEN TO FOLLOW FOR A HAPPY LIFE:

2. It's important to have a woman who can make you laugh.

3. It's important to have a woman who you can trust, and doesn't lie to you.

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