Snippetz Issue 420

All your protection under one roof.

©1997 American Family Mutual Insurance Company and its SubsidiariesHome Office – Madison, WI 53783

www.amfam.comNA-07497 Rev. 1/03

Larry E Stiltner Agency481 Hwy 105 Suite 212(719) 481-8382 BusMonument, CO 80132









Seashells by the Seashore... Continued on Page 2

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ISSUE 420 • NOVEMBER 16, 2009

I thought a thought.But the thought I thought

wasn’t the thoughtI thought I thought.

Admit it. How many times have you tried to say “Peter Piper picked a peck of pickled peppers” as fast as you

can three times…even as an adult? Tongue twisters are not just for kids. There’s nothing like a good twister to get everyone laughing. Kids love the silliness and adults love the challenge.

These thousand tricky tongue twisters trip thrill-ingly off the tongue.

TONGUE-TWISTERS OF LONG AGOIt is diffi cult to fi nd exactly when the tongue twister began, but long ago they were associated with magical powers. Those of the mystical per-suasion would recite tongue twisters while cast-ing spells or placing hexes on others. Some think that under certain conditions reciting tongue twisters can produce alternate states of aware-ness. It’s a stretch, but okay.

Tongue twisters have also been and are still used in speech therapy.

TRICKS OF THE TRADEAccording to the Oxford English Dictionary, a

tongue twister is “a sequence of words, often al-literative, diffi cult to articulate quickly.” And a battologism, a close relative of the tongue twist-er, is “a phrase or sentence built by (tiresome) repetition of the same words or sounds.”

A tongue twister can be as short as three or four words or contain several lines as in a poem. Most tongue twisters utilize both rhyme and repeti-tion in their structure. For example, She sells sea shells on the sea shore. The shells that she sells are sea shells I’m sure, uses sequences of sounds followed by the same sequences that have some of the sounds exchanged.

Betty Botter is another example of a hard to read twister:

Seashells by the Seashore... Continued from Page 1

Seashells by the Seashore... Continued on Page 3

2

THIS WEEK IN SNIPPETZ

Cover Story

ALL RIGHTS RESERVED © 2009PUBLISHED BY FUNDER ENLIGHTENING, INC.

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

(719) 487-0484email: [email protected]

NEXT WEEK IN SNIPPETZ

FEATURE ARTICLESStrange But True... 5

Moments In Time... 8

The Battle Won or Lost... Before It Begins... 18

Senior News Line... 19

STYLE 5Kim’s Korner... 5

HEALTH AND WELLNESS 9

SNIPPETZ BUSINESS DIRECTORY PAGE 10

Local Businesses on the Go!

PETS 10SAINT Adoptions

THE DINING GUIDE PAGES 11-13Patricia’s Café... 13

Vino-Bits... 13

PUZZLES, TRIVIA,ENTERTAINMENT 14-15

Trivia Test • Sports Quiz • Flash Back

Super Crossword • Weekly Sudoku

Couch Theater DVD Previews

Huey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

BUSINESS AND FINANCEPAGES 16-17

Financial Focus ... 16

It’s The Law: The Marriage Zone

by Christopher Meyer and Ruth Bolas... 17

Dollars and Sense... 17

CLASSIFIED PAGE 18GREAT BARGAINS - Find Your Treasure!

Business / Employment Opportunities

REAL ESTATERobin’s Rap... 19

New Homes... 20

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SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

SNIPPETZ TALKS TURKEY

SNIPPETZ AND SALLY SIMPLY SELLSEASHELLS BY THE SEASHORE

Betty Botter bought a bit of butterThe butter Betty Botter bought was a bit bitter

And made her batter bitter.But a bit of better butter makes better batter.So Betty Botter bought a bit of better butterMaking Betty Botter’s bitter batter better.

Leave it to Dr. Seuss to give us “Fox in Sox,” an entire book of tongue twisters.

A spoonerism is another type of twister that uses phrases and sounds that purposely cause the reader to mispronounce certain words as swear words. Since this is a family publication, you’ll have to look those up on your own.

NOT JUST FOR THE ENGLISHTongue twisters exist in every language, includ-ing sign language. In sign language, it is called a fi nger fumbler and one of the more well known is good blood, bad blood, considered both a tongue twister and a fi nger fumbler.

A shibboleth, according to the Oxford English Dictionary, is “a word or phrase used as a test for detecting foreigners, or persons from another district, by their pronunciation.” A more twisted trick indeed.

TONGUE OR BRAIN TWISTER?Just as no one knows exactly how the tongue twister got started, scientists do not know exactly what is involved in the phenomenon of tongue twisting. It is true that the tongue is the all im-portant organ in speech. We can’t say a coherent word without it, nor make sounds appropriately. Just try talking with your tongue pressed against the roof of your mouth with the tip against the back of your teeth. Cat got your tongue?

The brain, however, may just be the real master-mind behind correct speech. In 1982, researchers Ralph Haber and Lyn Haber conducted an exper-iment involving subjects silently reading known

tongue twisters. Their control group read normal sentences silently. The silent tongue twister read-ers took longer to read their prose than the non-twister readers, indicating that the brain indeed may be the prominent stumbling block.

THE TOUGHEST TWISTERThe Guinness World Records claims that the fol-lowing is the most diffi cult tongue twister in the English language. Who can even say this once?

The sixth sick sheikh’s sixth sheep’s sick.

THE SEEMINGLY SIMPLEIf you want to try your hand at these rhythmic wonders, try some easy ones fi rst, such as:

• Friendly fl eas and fi re fl ies• Pooped purple pelicans• Rubber baby-buggy bumpers• Black bug's blood• An ape hates grape cakes• Freshly-fried fl ying fi sh

NEXT STEPSIf you’ve mastered the simple, how about some-thing a little more challenging?

Here are a couple oldies but goodies:

Peter Piper picked a peck of pickled peppers. Did Peter Piper pick a peck of pickled peppers?If Peter Piper picked a peck of pickled peppers,

Where’s the peck of pickled peppersPeter Piper picked?

How much wood would a woodchuck chuck If a woodchuck could chuck wood?

He would chuck, he would,as much as he could,

And chuck as much as a woodchuck wouldIf a woodchuck could chuck wood

3

SNIPPETZ®


Seashells by the Seashore... Continued from Page 2

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canned can into an uncanned can?

Three sweet switched Swiss witches Watch three washed Swiss witch

Swatch watch switches. Which sweet switched Swiss witch watches

Which washed Swiss witchSwatch watch switch?

Brisk brave brigadiers brandishedbroad bright blades, blunderbusses,

and bludgeons -- Balancing them badly.

A bloke’s bike back brake block broke

Give me the gift of a grip top sock:a drip-drape, ship-shape tip-top sock.

Moses supposes his toeses are roses,but Moses supposes erroneously;

for nobody’s toeses are poses of roses,as Moses supposes his toeses to be.

THREE’S A CHARMThese must be said three times, as fast as pos-sible, to get the full effect:

• A box of mixed biscuits • Irish wristwatch • Knapsack straps • Three free throws • Tim, the thin twin tinsmith • Our oars or your oars? • Shredded Swiss cheese

ECLECTIC GIFTS CUSTOM FRAMINGGALLERY CENTER 366 SECOND STREET, SUITE BMONUMENT, CO 80132 www.bellaartandframe.com

P 719.487.7691 F 719.487.7410HOURS: Monday-Friday, 10 - 6pm Saturday-10 - 4pm

This week we have the privilege of displaying the awesome ceramic and clay works from Colorado springs ceramic artist Paul Dahlsten.

Also Thad Handrick has brought in his fi ve lines of beautiful and functional pottery.

Saturday, December 5th -- come meet our local talent and enjoy warm holiday treats. We will be featuring:

11am–12-pm: Internationally known artist, Joseph Bohler, autographing his featured prints!

1pm–3pm: Author and Illustrator, Al Hawkins, autographing his children’s books.

With only 38 days unti l Christmas, NOW IS THE TIME to get your picture framing done. Don’t put it off any longer!

BUY ONE GET ONE FREE MONDAYS

Mondays 5:00–10:00PM

Every Monday, buy one entrée at regular price and

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WINE BARHAPPY HOUR

Monday through Friday 4:00–6:00PM

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HALF-PRICE BOTTLE NIGHTS

Wednesdays and Saturdays 6:00–10:00PM

Everything on our list, by the bottle,

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Thursdays 6:00–10:00PM

All of our half-plates

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Starting at 6:30PM Perfect music to accompany the

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bratwurst, beer bratwurst

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with simmered red

cabbage, german potato

salad and dipping sauces

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4

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Holiday Bling at the Barn

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Shop early for greatestChristmas selection!

November marks the 19th anniversary of National Adop-

tion Awareness month. For Monument residents Jim and Jennifer Cunningham, it is a meaningful time of year. Both were adopted as infants. Based on their be-lief in adoption, they began the process of international adoption from China in 2004. Unfortunately, their soon-to-be new son died of a heart defect before they could bring him home. Jim and Jennifer turned their loss into blessing, launching the Sea of Faces Foundation, an organization to fi nancially assist other adopting families.

“We were shocked by the adoption ex-penses and knew other families were in tremendous need,” said Jennifer, Sea of Faces Executive Director. In 2007, the foundation was recognized by the Con-gressional Coalition on Adoption with an “Angels in Adoption” award for their adoption advocacy. To date, this non-profi t has provided $50,000 in assistance to 29 families across the United States, to include the Karr family from Colorado Springs.

“Receiving a grant from Sea of Faces was a tremendous blessing and helped us offset some of the expenses to bring our daugh-ters home from Haiti,” said Tana Karr.

International and domestic adoptions have steadily declined since 2004, while the number of children in need of loving homes is on the rise. A recent UNICEF

MONUMENT FAMILY BUILDSADOPTION SUPPORT

report estimates 143 million orphans worldwide. At the end of 2007, the Adop-tion and Foster Care Analysis and Report-ing System estimated 783,000 children in United States foster care with more than 127,000 children available for adoption.

Decreases in international adoptions can be attributed to increasing costs and the current economy. Initial expenses are compounded by strict country require-ments, bureaucratic hurdles, and ex-pensive paperwork. The average cost of adoption for Sea of Faces applicants this past quarter was more than $29,000, with some surpassing $45,000. “Not every-one is called to adopt, but everyone can assist those who are,” said Cunningham. “For every family we help, nine others are turned away. That’s the most diffi cult part.”

For more information or to make a mean-ingful, tax-deductible donation, visit www.seaoffaces.org.

The Cunninghams holding a picture of their adopted son

5

SNIPPETZ®: STYLE & THE LOCAL SCOOP

Samantha Weaver

• Of particular interest in these troubled economic times, it was British humor columnist Katharine Elizabeth Whitehorn who made the following sage observation: “The easiest way for your children to learn about money is for you not to have any.”

• The fi sh known as the electric ray can produce a current strong enough to kill an adult human.

• If you are the parent of a young daughter, you are probably all too familiar with the Japanese export Hello Kitty. A new item has re-cently been added to the Hello Kit-ty line, but it is decidedly not for kids: The Super Hello Kitty Jewel doll is on the market for $150,000. To celebrate the 35th anniversary of the character, Sanrio (the maker of Hello Kitty), Swarovski (known for high-end crystals) and Japanese jewelry maker I.K. have created a 4-inch-tall Hello Kitty of platinum,

and studded the doll with 1,939 pieces of white topaz, 403 pink sapphires, eyes of black spinel and a nose of citrine. The whole thing is topped off with a one-carat dia-mond on its hair ribbon.

• The onion is actually a member of the lily family.

• The next time you have a little bit of food stuck in your teeth, con-sider this: More Americans choke on toothpicks than on any other ob-ject.

• In La Paz, Bolivia, you can fi nd one of the most unusual prisons in the world. At San Pedro Prison, inmates have to purchase their cells. Those who are well off fi nancially can buy private cells with bathrooms, televi-sion and kitchens. Those who are less lucky must share tiny rooms.

Thought for the Day:“We have in fact, two kinds of mo-rality, side by side: one which we preach, but do not practice, and an-other which we practice, but seldom preach.” - Bertrand Russell

(c) 2009 King Features Synd., Inc.

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Last week I wrote about exterior color tips. This week I want to focus on

common mistakes to avoid in selecting exterior paint colors. Ron Heard from CertaPro, points out the some common mistakes to avoid when selecting your exterior paint colors.

“Don’t assume that a colorful and imaginative color scheme will cost a great deal more for product and labor. Unless the scheme is a “painted lady” with numerous colors, this is rarely the case.

Avoid accent colors on unattractive elements such as gutters, downspouts, protruding garage doors, air conditioning units and unevenly placed windows. Paint these items the same as the main body color.

Don’t ignore the neighbors’ houses the color scheme you choose should

not clash with the neighbors’ houses. It then becomes a lose-lose situation. Choose a scheme that blends with the neighborhood or stands out in a suitable, unobtrusive manner.

Landscaping counts, consider trees that change color, fl owering shrubs and fl ower gardens when selecting colors for compatibility. Heavily wooded lots will make colors look darker due to shade and also camoufl age homes, so attention to detail is needed. Greens are not an ideal choice for this situation unless your goal is to hide the house in the trees.”

Next week we will cover the color placement for exteriors.

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6

SNIPPETZ®: THE LOCAL SCOOP

The Tri-Lakes Senior AllianceTHRIFTSTORE

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

For information, to volunteer, or to donate items, call the store during business hours.

Proceeds benefi t the Tri-Lakes Senior Citizen Program

SPORTING GOODSBicycles, skis, heaters, coolers,

golf clubs, camp chairs,back packs, roller skates

FURNITUREDesks, entertainment centers,

fi le cabinets, coffee tables, rocker, beds, collectibles

APPLIANCESKitchen stove & oven, microwaves, vacuum cleaner,

bread makers, juicers, clocks, clock-radios

CHILDREN ITEMSToys, games, bicycles, back-packs, strollers,

portable crib

The Tri-Lakes Senior Alliance reopens its improved

Thrift Store Tuesday through Saturday, 10:00 am–4:00 pm

719-488-3495

For information, to volunteer, or to donate items, call the store during business hours. Proceeds benefit the Tri-Lakes Senior Citizen Program

Incredible savings on things you need (or want). Sporting Goods – Bicycles, skis, heaters, coolers,

golf clubs, camp chairs, back packs, roller skates Furniture – Desks, entertainment centers, file

cabinets, coffee tables, rocker, beds, collectibles, Appliances – Kitchen stove & oven, microwaves,

vacuum cleaner, bread makers, juicers, clocks, clock-radios,

Children Items – Toys, games, bicycles, back-packs, strollers, portable crib,

Tools – Car jacks, sander, wrenches, hack saws, hand

trucks, tire chains, snow shovels, tool boxes Furnishings - Chandeliers, ceiling fans, table

lamps, floor lamps, knick-knacks, baskets, tables, pictures, suit cases

Books – Over 2,000 paper-backs, hard-backs, collector books – All subjects

Tri-Senior Alliance Thrift Store

Unit No. 9 behind the West End Center 755 Highway 105

Palmer Lake, Colorado 488-3495

Note: We can not accept electronics, clothes, shoes, purses, or child’s car seats.

INCREDIBLE SAVINGS ON THINGS YOU NEED (OR WANT!)

TOOLSCar jacks, sander, wrenches, hack saws, hand trucks,

tire chains, snow shovels, tool boxes

FURNISHINGSChandeliers, ceiling fans, table lamps, fl oor lamps, knick-knacks, baskets, tables, pictures, suit cases

BOOKSOver 2,000 paper-backs, hard-backs, collector

books – All subjects

NOTE:We can not accept electronics,

clothes, shoes, pursesor child’s car seats.

NOVEMBER SPECIALS:STOREWIDE SALE - 20% OFF

DESKS - 50% OFF

DECEMBER:SANTA CLAUS VISITSDECEMBER 19 - 1-3PM

7

SNIPPETZ®: THE LOCAL SCOOP

CRAFTERS WANTED!

Saturday, Dec. 5th and Sunday, Dec. 6th

For info & packet: www.monumenthillsertoma.orgor call 719-278-8393 or 719-651-1946

For the 4th AnnualNorth Pole Craft Show!

Tri-LakesCRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!CRAFTERS WANTED!

Lewis Palmer Middle School • 1776 Woodmoor Dr.Saturday 10:00 am - 4:00 pmSunday 11:00 am - 4:00 pm

Admission: NONPERISHABLE CANNED ANDDRY GOODS (Benefits Tri-Lakes Cares )

Sponsored by: Monument Hill Sertoma

For more information call:Bill (719) 278-8393 or Bonnie (719) 651-1946

Lots of Crafters!

WE ARE STILL LOOKING FOR MORE CRAFTERS!

The Tri-Lakes Senior AllianceTHRIFTSTORE

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

For information, to volunteer, or to donate items, call the store during business hours.

Proceeds benefi t the Tri-Lakes Senior Citizen Program

SPORTING GOODSBicycles, skis, heaters, coolers,

golf clubs, camp chairs,back packs, roller skates

FURNITUREDesks, entertainment centers,

fi le cabinets, coffee tables, rocker, beds, collectibles

APPLIANCESKitchen stove & oven, microwaves, vacuum cleaner,

bread makers, juicers, clocks, clock-radios

CHILDREN ITEMSToys, games, bicycles, back-packs, strollers,

portable crib

The Tri-Lakes Senior Alliance reopens its improved

Thrift Store Tuesday through Saturday, 10:00 am–4:00 pm

719-488-3495

For information, to volunteer, or to donate items, call the store during business hours. Proceeds benefit the Tri-Lakes Senior Citizen Program

Incredible savings on things you need (or want). Sporting Goods – Bicycles, skis, heaters, coolers,

golf clubs, camp chairs, back packs, roller skates Furniture – Desks, entertainment centers, file

cabinets, coffee tables, rocker, beds, collectibles, Appliances – Kitchen stove & oven, microwaves,

vacuum cleaner, bread makers, juicers, clocks, clock-radios,

Children Items – Toys, games, bicycles, back-packs, strollers, portable crib,

Tools – Car jacks, sander, wrenches, hack saws, hand

trucks, tire chains, snow shovels, tool boxes Furnishings - Chandeliers, ceiling fans, table

lamps, floor lamps, knick-knacks, baskets, tables, pictures, suit cases

Books – Over 2,000 paper-backs, hard-backs, collector books – All subjects

Tri-Senior Alliance Thrift Store

Unit No. 9 behind the West End Center 755 Highway 105

Palmer Lake, Colorado 488-3495

Note: We can not accept electronics, clothes, shoes, purses, or child’s car seats.

INCREDIBLE SAVINGS ON THINGS YOU NEED (OR WANT!)

TOOLSCar jacks, sander, wrenches, hack saws, hand trucks,

tire chains, snow shovels, tool boxes

FURNISHINGSChandeliers, ceiling fans, table lamps, fl oor lamps, knick-knacks, baskets, tables, pictures, suit cases

BOOKSOver 2,000 paper-backs, hard-backs, collector

books – All subjects

NOTE:We can not accept electronics,

clothes, shoes, pursesor child’s car seats.

NOVEMBER SPECIALS:STOREWIDE SALE - 20% OFF

DESKS - 50% OFF

DECEMBER:SANTA CLAUS VISITSDECEMBER 19 - 1-3PM

Tri-Lakes Center for the Arts 304 Hwy 105 Palmer Lake, CO 80133 719-481-0475 www.trilakesarts.org

Gift Wrapping

Tri-Lakes Center for the Arts Presents

The SecondAnnual

Holiday Extravaganza &

Pictures with Santa!

Re�e�ments

Demos

Drawings for prizes Saturday Nov. 28th Noon - 5 pm

Fine ArtOne-of-a-kind Gifts

and

GiftShop

Sale!

12 - 2 pm

Studio Open House

Come see us before the Town of Palmer Lake Chili Supper and Star Lighting

An abundance of wares by a multitude of local artists

By Claude�e Beding�eld

HOLIDAYEXTRAVAGANZA

MONUMENT, CO - The MOMS Club® – Colorado Springs North Chapter will be hosting a Holiday Extravaganza on Saturday, December 5, 2009, from 9:00 am to 2:00 pm. This event will be held at the Sundance Mountain Lodge, 1865 Woodmoor Drive, Monument, Colorado.

Local crafters and artisans will be exhibiting and selling their hand-made goods. Plus, fa-vorite local home-based businesses (such as Mary Kay, Arbonne, Avon, Pampered Chef, Discovery Toys, Entertaining at Home, Us-borne Books, TomBoy Tools, Creative Mem-ories, Stampin Up, Lemongrass Spa, Taste-fully Simple, Silpada, lia Sophia, and many more) will be participating in this year’s event. Over 35 exhibitors are participating. Additionally, shoppers can take home some baked holiday goodies and try their luck at our incredible raffl e. This is an event not to be missed.

The MOMS Club® hosts this Holiday Extrav-aganza to raise money to benefi t local causes. Last year’s event raised approximately $400 which was donated to Tri-Lakes Cares. The profi ts from this year’s event will be donated to Tri-Lakes Cares, as well as the Mike King Family Fund.

Admission for this event is $2.00, ages 10 and older. Admission is FREE to those who bring a new or gently worn coat (with work-ing closures and no stains or rips) for our One Warm Coat drive. Children’s, Women’s and Men’s coats will all be accepted. You will receive a donor receipt for your taxes. The donated coats will be distributed to those in need in our community. Admission is free to children 10 and younger.

MOMS Club® (MOMS Offering Moms Sup-port) is an international non-profi t organiza-tion and a 501(c)(3) publicly-supported char-ity registered with the IRS. MOMS Club® is a support group for mothers who stay at home with their children, including those who work part-time but are home with their children during the day. To receive more in-formation about the MOMS Club® – Colo-rado Springs North Chapter visit our website at www.cosnorthmomsclub.com.

To learn more about this press release, please contact Tamara Baxter at 719-510-9814 or [email protected].

8

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• On Nov. 22, 1718, Edward Teach, also known as Blackbeard, is killed off North Carolina’s Outer Banks during a bloody battle with the British navy. Teach was the most infamous pirate of his day, win-ning the popular name of Blackbeard for his long, dark beard, which he was said to light on fi re during battles to intimidate his enemies.

• On Nov. 17, 1869, the Suez Canal, con-necting the Mediterranean and the Red seas, is inaugurated. When it opened, the Suez Canal was only 25 feet deep. Ma-

jor improvements began in 1876, and today an average of 50 ships navigate the canal daily, carrying more than 300 mil-lion tons of goods a year.

• On Nov. 16, 1907, Indian Territory and Oklahoma Territory collectively enter the

United States as Oklahoma, the 46th state. The name “Oklahoma” is derived from the Choctaw Indian words okla, meaning “people,” and humma, meaning “red.”

• On Nov. 20, 1945, in Nuremberg, Ger-many, 24 high-ranking Nazis go on trial for atrocities committed during World War II. The Nuremberg Trials were con-ducted by an international tribunal, and charges ranged from crimes against peace, to crimes of war, to crimes against human-ity.

• On Nov. 19, 1969, Brazilian soccer great Pele scores his 1,000th professional goal in a game, against Vasco da Gama in Rio de Janeiro’s Maracana stadium. Born Ed-son Arantes do Nascimento in Tres Cora-cos, Brazil, in 1940, Pele scored 1,282 goals in 1,363 games during his career.

• On Nov. 18, 1978, People’s Temple leader Jim Jones leads hundreds of his fol-lowers in a mass murder-suicide at their agricultural commune in remote north-western Guyana. U.S. Congressman Leo

Ryan, who had traveled to Jonestown to investigate, was murdered the day before as he attempted to leave.

• On Nov. 21, 1980, more than 350 million people around the world tune in to televi-sion’s popular primetime drama “Dallas” to fi nd out who shot J.R. Ewing, the char-acter fans loved to hate. The episode iden-tifi ed Kristin Shepard, J.R.’s wife’s sister and his former mistress, as the culprit.


THE PLACE FOR GREATBIRTHDAY GIFTS

FREE Gift Wrapping

Unique HandcraftedDollhouses & Accessories

for the Discriminating “Mini-Home Owner”

Both stores conveniently located at274 Washington Street, Historic Monument

481•1361

A CUT ABOVEDRYWALL

When You Want It Done Right...The First Time!

Drywall Patches,

Repair andTexturing

• No Job Too Small• Free Estimates

• Reasonable Rates• 25 Years of Experience

Call Mark Today!

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

HUGE SALE!!

finders keepersby Peggy Rima

NEW FALL ARRIVALS!Incredible Jewelry Unique Gifts Local Art

Pottery & Candles Colorado Jams, Salsas & Honey

“gifts from the heart”

Celebrating 9 Years in Palmer Lake • (719) 487-8020 • 91 Hwy. 105 • Palmer Lake

PO Box 863Monument, CO 80132

Barbara Oakley719-488-2119

TRI-LAKES &GLENEAGLEWELCOMING

9

SNIPPETZ® HEALTH AND WELLNESS

Bonnie B. Baswell, M.D.Eric L. Caplan, M.D.

Heather F. Fink, PA-C

Specialized Adult and Pediatric

Allergy and Asthma Care

Now in Monument

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

Individualizedtreatment for:

Nasal AllergiesChronic Sinusitis

Food AllergyHives

EczemaAsthma

Including Allergy Injections

719-592-1365www.csallergy.com

550 Highway 105Monument, CO 80132Wednesday Afternoons

At the Medical Centernext to Safeway

Give the Gift of Health!Enrollment

All New Members Receive a FREE Social Membership at the

Buy Gift Card for OFF ~ a Savings!

10

SNIPPETZ BUSINESS DIRECTORYTHE PLACE TO FIND LOCALBUSINESSES ON THE GO!

A PLUS PLATINUMCARPET AND TILE CARE

Steam truck mount extraction.$15 OFF SPECIAL!

719-440-9148or 719-339-2708

FLOORS

FINANCIAL

COLORADO NATIONALBANK

581 Hwy. 105719-488-4309

Your Key to Commercial andPersonal Banking

INSURANCE

AMERICAN FAMILY INSURANCELarry E Stiltner Agency481 Hwy 105 Suite 212

719-481-8382 Bus.Monument, CO [email protected]

AUTOMOTIVE

MAXX POWER LLCSpecializing in

Diesel Performance(719) 488-0943

www.maxxpowertrucks.com

RICHARD PETERSON 719-481-1868R. Peterson Construction, LLC

Licensed & InsuredCustom Homes ✷ Detached

Garages ✷ Basement [email protected]

CONSTRUCTION HOME DECOR

MARGO’S ON THE ALLEY“For You and Your Home”

215 Chapala Plaza719-487-1406

www.margosonthealley.com

VILLA DECORPolish Pottery

Home & Garden Accents868 Hwy 105, Palmer Lake, CO 80133

Mon - Sat, 10AM - 6PMPhone: 719-481-1981

SPECIALIZED CARPENTRYLocal, Personal & Affordable. Remod-el your house or fi nish your basement. More than 25 years of experience in

fi ne carpentry, remodeling & construc-tion. Licensed, bonded & insured.In-house design and engineering.

For a FREE consultation/estimate call: 719-359-6855

REMODELING

TLC COMPUTER REPAIRSales and Service

PC Recycling Center303 B Hwy 105 / Monument

Across from the 7-11719-302-2937

COMPUTER

TWO TIMERS FINE CONSIGN“Smart, Savvy and Green”Women‘s and Children’s

Monument Plaza719-484-0300

www.twotimers.net

CONSIGNMENT

PET GROOMING

DIRTY DOG GROOMING481 Hwy 105 #206

Monument, COWe aim to rid this townof all them “Dirty Dogs.”

719-481-2968

COUNTRY CRITTERS UPTOWNGentle ProfessionalAll Breed Grooming

Serving The Tri-Lakes AreaWest End Center

719-481-0220MORTGAGE

1ST METROPOLITAN MORTGAGEJerry Case & Daniel Shepard

Owners of your local Sears Store. We are fully licensed on all of the following products, VA, FHA, conventional loans, Reverse Mortgages and we can help

with any and all mortgage needs.Call us today for a FREE credit report.

719-314-1320www.nostresshomeloans.com

HEATWAVESTANNING SALON

481 Hwy. 105 Ste. 210Monument, CO 80132

719-488-8884(behind Taco Bell)

TANNING

CYLINDER HEAD SERVICEValve Jobs

Seats • GuidesSurfacing

Foreign • Domestic • Gas • DieselRup Engines 719-205-3010

KARAOKE

SPOTLIGHTERS ENTERTAINMENT Hollywood-style Karaoke

We keep everything fun and make everyone sound like a pro with our professional sound system and mixing experience. We are avail-able for private parties, weddings, etc. or come check us out at PINZ everyThursday from 9pm - 1am

719-231-2946Email: [email protected]

REAL ESTATE

TINA PETERSON ABR-GRI-ePRORemax Advantage Realty

719-460-7614Are You Looking to

Buy or Sell?www.ColoradoHomesMarket.com

FENCING

LAW FENCE CO. 20 YRS experience building

and repairing all types of fence FREE ESTIMATES

719-520-5538 [email protected]

LANDSCAPING

COLORADO CUSTOM ROCK LANDSCAPING INC.Licensed and insured

Serving the Front Range area for over 30 yrs.Commercial & residential landscaping services

ccrlandscaping.comCall for a FREE Estimate! 719.598.6871

PAINTING

CertaPro PaintersResidential And Light-Commercial

Interiors, Exteriors And Decks(719) 475-1616www.certapro.com

Painting • Passion • Professionalism

ROOFING

CAMPBELL ROOFING INC.Serving Colorado Since 1984

Licensed and InsuredMember of BBB and Chamber430 Beacon Lite Rd., Ste 110

719-573-9395

PRIME ROOFING, INC.Your local Monument Roofer

24 Years of Experience working for youLicensed and InsuredMember of the BBB Call: 719-599-4020

ACCOUNTANT

THE WALSH COMPANY430 Beacon Lite Road #155 Monument 481-6555 - [email protected]

Individual and Business Tax Returns. Payroll, bookkeeping and fi nancial

statement accounting services.

This cutie pie is Annie. She is 9 weeks old. She has just arrived at SAINT Animal

Rescue so I really don’t know much about her personality yet. She does have beautiful markings and is mostly white with some grayish/brown markings. She has an almost like mask on her face.

If you think Annie would fi t into your loving family and you would like to adopt him, please call SAINT Animal Rescue located in Calhan. Our phone number is 541-3099 but you might need to use the 719 area code. Annie should stay indoors and not be allowed to be an outside cat.

It is always a challenge when adopting a new pet. SAINT Animal Rescue asks the adopter to give the animal a reasonable amount of time to adjust to it’s new family and environment. This is so very important to your new family member as well as your existing family members.

Please visit our website at saintanimalrescue.org and as always thank you for caring.

FUN FACTS ABOUT CATS!

Did you know the nose pad of a cat is ridged in a pattern that is unique, just like the fi ngerprint of a human?

A cat’s heart beats twice as fast as a human heart, at 110 to 140 beats per minute?

It’s a fact that 25% of cat owners blow dry their cats hair after a bath?

WHAT ACUTIE

PIE!

Healing TouchTherapeutic MassageRobyn Graham, LMT212 N. Washington St.Suite A, Monument719-216-4421

First time use only please

off

Regular Pricing: $65 - 1 hr $85 - 1 1/2 hr $105 - 2 hr

Specializing in Deep Tissue Swedish Massage!

Healing TouchTherapeuticMassageRobyn Graham, LMT212 N. Washington St., Suite Ain the Chapala Bldg in Monument

For Information and MASSAGE PRODUCTS:www.HealingTouch-MassageTherapy.com

719-216-442110off

10off

10off10 off

11

SNIPPETZ® THE LOCAL SCOOP

FREE HOMEWORK HELPGRADES 2-10

Mondays, Thursdays

6:30 - 7:30

MountainCommunityMennonite

Church

375 Hwy 105Palmer Lake

719-481-3155

6:30 - 7:30

Provided by: Mountain Community Mennonite Church

and Monument Community Presbyterian Church

Auriel Essence Day Spa is now.....

Tue & Thur 9-6 Wed, Fri & Sat 9-4Sun & Mon Closed

Auriel Essence Skin Care236 Washington St #3 • Monument, CO 80132

719.375.8831

S A V E

15%

Auriel Essence proudly uses, and retails Sanitas skin

care products. Sanitas is a internal,

and external pharmaceutical system. These products are

formulated, and manufactured right

here locally, in Boulder, Colorado.Offers Expires: Nov. 30th

FALL SPECIALTreat yourself to a delicious Pumpkin body scrub, and Pumpkin enzyme mask! These products are wonderful, and smell amazing! They are guaranteed to get rid of dull dry skin, leaving you feeling soft, and smooth. Your skin will be glowing, and you will leave feeling relaxed, and re-vitalized! Special price $105 for both treatments, Regular price $130

ROOM FOR RENT: $300.00for massage, or nails. locatedin North Chapala building. Internet, and phone included.

Call for more info. 719-375-8831

THETRI-LAKES

TEAMATTENTION:

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

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

CONS

TRUC

TION PLUMBING

ELEC

TRIC

AL

TRI-LAKES BUILDING CO. INC.Commercial contractor licensed and insured. Commercial and residential

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

MJB PLUMBING & HEATING INC.Installation And Repair Of Plumbing, Gas Lines, Hot Water Heat.

PH: 719-488-2738 • FAX: 719-488-1676

HEATING

DUKES ELECTRICWe have serviced the Tri-Lakes Community, El Paso Country and

Douglas County for 33 years in residential and commercial electrical installation and repair. PH: 719-481-3557

ARROW HAWK HEATINGNew Construction, Remodeling, Furnace Replacement and Repair.

PH: 719-488-1991

PRO-TECH ROOFING SYSTEMS & SEAMLESS GUTTERLocally owned, specializing in all types of roofi ng and gutter installation.

All of our work is covered by a fi ve year workmanship warranty withsatisfaction guaranteed. References at your request.

PH: 719-473-9554 • FAX: 719-473-9555 • Email: [email protected]

HAVENS S&P CONCRETE CO.PHIL HAVENS

Flatwork: Commercial • Residential • DecorativePH:/FAX: 719-264-7742 • CELL: 719-310-8866

OCEAN CONSTRUCTIONA Wave of Excellent Carpentry

Richard Harding • Insured Independent ContractorPH: 719-243-4075

ROBERT GLEN PAINTING & DRYWALL INC.Specializing in Residential and Commercial Repaints & Drywall Repairand Texture Matching. Professional, Friendly Staff Ready to Serve Your

Needs. Serving Southern Colorado Since 1995. PH: 719-593-8148 • FAX: 719-593-9352 • Email: [email protected]

EAGLE PLASTERING INC.Professional Integrator in Hard Coat Stucco Systems, Drywall,

Masonry and High Performance EIFS for Sustainable Construction.PH: 719-227-7533 • FAX: 719-227-7530 • SALES: 719-227-7533 EXT-8009

BLACK DIAMOND EXCAVATION LLC.Skid Loader Work, Grading, Landscaping, Trenching

Post Holes, Boulder Walls, Driveways. JIM • PH: 719-459-0391

PAIN

TING ROOFING

CONC

RETE

PLAS

TER /

DRYW

ALL

CONSTRUCTIONEXCAVATION

Our Schedules are fi lling up quickly.CALL TODAY FOR AN APPOINTMENT!

12

SNIPPETZ® DINING GUIDE

AVAILABLE FOR PRIVATEPARTIES AND CATERING

75 Hwy 105 Palmer Lake719-481-2222

Open Nightly at 4:30

La Zingara

Daily Specials

Sunday

“Sunday Supper”

Lasagna, Baked Ravioli,

Manicotti

$10.95

Monday

“Pick a Parmigiana”

Veal, Chicken or Eggplant

$9.95

Tuesday“Coupon Crazy”We will honor anyrestaurant’s valid couponWednesday“Man Vs. Food”All you can eat Lasagna$11.95Thursday“Thirsty 33 Thursday”1/3 OFFall bottled wine

PATIO NOW OPEN!

OUR PATIO IS STILL OPEN!!

NOWCATERING!CATERING!CATERING!COME ON IN

AND WATCHTHE BRONCOSAND ROCKIES!

11/30/09

www.eatatrosies.com

SERVINGBreakfast • Lunch • Dinner

THE BRONCOSAND ROCKIES!PRIME RIB

ON FRIDAY NIGHTS5PM - 9PM

$ 10.99

411 Hwy. 105 • Monument, CO 80132(719) 481-3287

Coffee Cup Café251 Front Street, Monument 80132 (719) 488-0663 www.coffeecupmonument.com

Now open starting at 6 am - 3 pm 7 days a week!

A Second Cup13860 Gleneagle Dr, Colorado Springs 80921 (719) 481-6446 www.asecondcup.net

Open starting at 6 am - 9 pm 7 days a week!

Your Local Ale House!20 Micro Brews on Tap!

Now offering NFL Sunday Ticket @ A Second Cup with

Happy Hour Specials All DaySundays and Mondays!

Early Bird Special

$2.99 Breakfast!2 Eggs, Bacon or Sausage, Country Fries & Toast

@ Both Locations!Mon thru Fri Before 9am

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

$15.99 Crab Legs

Wednesday Night Poker!First Game @ 7:00pm

Second Game @ 10:00pm

13

SNIPPETZ® DINING GUIDE

Pizza • Pasta • LasagnaSalads • Sandwiches

Beer • Wine

Tuesday - Friday 5 - 9 pmSaturday 11:30 am - 9 pm

4 Hwy. 105 • Palmer Lake719-481-3244

website: http://www.bellapanini.com

GLUTEN FREEPizza, Pasta, Sauces

Now Available

Highway 105 & Primrose St.

Dine In or

TakeOut

Steaks ❁ Shrimp ❁ Chicken ❁ Burgers ❁ Burritos

Our Famous ReubensBINGO! Saturdays at 6:15

SENIORS EAT FREE Mon, Tue & Wed(buy one adult entree, get one senior meal free)

BREAKFAST SUNDAY 8:30-10:30amBiscuit & Gravy $1.95 ALL DAY Sunday

Sunday through Thursday 11:00 - 3:30Friday and Saturday 11:00 - 8:00

481-TOOT 8 6 6 8

488-3019or www.thewineseller.net

“Real Wine for Real People”Simply the best, most thoughtful selection

of wine under $20 anywhere.Check out our eclectic microbeer

and spirits selection too!

Public wine tastings held monthly.Sign up for our e-newsletter to find out when.

Located on Hwy 105between Palmer Lake & Monument.

Hours: Tuesday - Saturday 11am to 6pm.

Vino-BitsWine Appreciation

& Tasting Tips

brought to youby

Dirk atThe Wine Seller

PATRICIA’S CAFÉ

These Unique and Delicious Recipes are presented to you by Pat McClelland - owner of

Bella Panini in Palmer Lake and Bayou BarBQ in Monument

Check out their websites: http://www.bellapanini.com and www.bayoubarbq.com

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

Bratwurst • Soups • Chili

24 Hwy. 105 in Palmer Lake

HOURSCall 488-6917 for current hours

Closed on Mondays!

Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

CAJUN & BARBQFare

Dine-in or Take-outTuesday - Saturday 11:00am - 8:00pm

481 Hwy. 105, Suite G • Monument, CO(719) 488-2799

Website: BAYOUBARBQ.COM

BAYOUBARBQ

WEDNESDAY IS CATFISH DAY!COME SEE GUITARIST MIGUEL NADAL PERFORM LIVE EVERY WEDNESDAY 6 TO 8PM

CHEESY ROAST BEEF SANDWICH

1 ea 6” Round Roll

2 Tbs Olive Oil

2 oz Sliced Onions

4 oz Thinly Sliced Roast Beef

3 oz American cheese

to taste Ground Black Pepper

1. Heat olive oil in a skillet and add onions.

2. Sautee until soft.

3. Add the roast beef mixing with onions un-

til hot.

4. Stir in the cheese and pepper.

5. Cover and remove from heat.

6. Let sit until cheese is melted.

7. Mix and place on roll.

The better the quality of roast beef the better the sandwich. I like to start with very pink roast beef because it will

stay moist. But, if it isn’t tender to start with after cooking it, it will be like leather. Adding sliced tomato will give it a fresher fl avor and texture. If you like a bit if spice, add some roasted jalapenos or Anaheim green chilies. A little sour cream will give it a richer fl avor.

Be creative, have fun and enjoy!!!

MY CORK IS STUCK

Every once in a while, you’ll come across a really tight cork that doesn’t want to budge. Try run-

ning the top of the bottle under warm water for a minute or two, or wrapping a towel around it to create friction. Either one of these actions usually loosens the cork enough for you to remove it.

14


Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. LITERATURE: What is the liter-ary device called alliteration?2. MATH: What is the Arabic equivalent of the Roman numer-als MMDLVII?3. TELEVISION: What comic book superhero is either mentioned or represented in many episodes of the “Seinfeld” sitcom series?4. INVENTIONS: Who is credited with inventing the electric razor?5. MOVIES: What was Forrest Gump’s home state?6. MUSIC: What rock group per-formed the song “Pride (In the Name of Love)”?7. CHEMISTRY: What is the sym-bol for the element magnesium?8. GEOGRAPHY: What modern European country was called Lus-itania in Roman times?9. LANGUAGE: In Latin names for the days of the week, what planet is represented by Wednesday?10. ANIMAL WORLD: Which insect can sting only once?

1. Name the last pitcher before San Diego’s Jake Peavy in 2007 to be a unanimous choice for the Na-tional League Cy Young Award.2. Entering 2009, only one fran-chise had been swept in three World Series. Name it.3. Who holds the NFL mark for most playoff wins in one year by a combination of fi rst-time head coach and rookie quarterback?4. Name the only Oklahoma Soon-ers men’s basketball player to be named fi rst-team All-American as a freshman, sophomore and junior.5. Only two players in NHL history have tallied 50-goal seasons in each of their fi rst eight years in the league. Name them.6. How many times was bowler Mark Roth named PBA Player of the Year?7. Who had the most knockouts in his pro heavyweight boxing career: Muhammad Ali, George Foreman or Joe Frazier?


SNIPPETZ® PUZZLES AND TRIVIA

1. Name the singer/songwrit-er who did “Slow Turning,” “Is Anybody There?” and “Feels Like Rain.”2. What was English rocker Billy Idol’s fi rst U.S. Hot 100 No. 1 hit?3. In what year did Twisted Sister produce its fi rst al-bum? What was the album called?4. What is B.B. King’s real name?5. The Temptations were fi rst known by what name? 6. Name the rock band that had No. 1 hits with “Heart of Glass,” “Call Me”and “The Tide Is High.”

New DVD Releases forWeek of November 16, 2009

PICKS OF THE WEEKStar Trek -- In one fell swoop -- and the help of a hackneyed time-travel plot device -- director J.J. Abrams erases fi ve decades of Trek canon. And because this “reboot” grossed eleventy-billion-trillion dollars, we can count on at least another decade of swish-pans, lens-fl ares and the angry blog-ging of disgruntled Trekkies nit-picking every frame.

Since this is a Major DVD Release Event, there are numerous editions and packag-ings to choose from. I’ll be commenting on the two-disc edition, since it’ll be the one most fans will probably buy. However, it’s worth noting that if you are a huge fan of the fi lm, there is a limited-edition Blu-Ray boxed set with three discs and a massive metal replica of the Enterprise that weighs over a pound. The Replica Gift set retails for $130.

Hokay, back to the two-disc pack. In addi-tion to the fi lm, there is a commentary track with J.J. Abrams, the writers and produc-ers; a documentary on the production and a gag reel. On disc two is a digital copy of the fi lm, a lot of deleted scenes, featurettes about casting, the musical score, alien cre-ation and more behind-the-scenes peeks.

“Gone With The Wind 70th Anniversary

Ultimate Collector’s Edition” -- This col-lection contains fi ve DVDs, a CD sound-track, a hardcover 52-page book of photo-graphs and production art, 10 art prints and a reproduction of the original 1939 program all lovingly crammed into velvet box.

With a retail price of $70, the question is, “Is it worth it?” The answer is: If you don’t already own, say, the four-disc special edi-tion that came out a while back, then yes it is. If you’ve already bought that edition there really isn’t much new here in terms of content. The only new feature is a docu-mentary hosted by Kenneth Branagh with the unimaginative and obviously made-by-some-marketing wonk-title: “Warner Bros. Home Entertainment Presents 1939: Hol-lywood’s Greatest Year.”

So, if you’re a big fan of the fi lm and don’t yet own a copy, this is a great set to own.

It’s remastered for hi-def TVs, has eight hours of extras and let’s not forget that nifty velvet box. Or if you know someone who’s a fan, this would make an awesome Christmas gift.

TV SERIES“Farscape” The Complete Series

“It’s Always Sunny in Philadelphia” It’s A Very Sunny Christmas“7th Heaven” Season Nine

“Rome” The Complete Series“The Sopranos” The Complete Series “Scrubs” The Complete Eighth Season

“Drawn Together” The Complete Series “Andy Barker, P.I.”

The Complete Series (c) 2009 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) we have moved the answers and solutions to the trivia and puzzles to the next page (15).


15

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions NOVEMBER 16, 2009

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. John Hiatt. The songs were on his ninth album “Slow Turning,” released in 1988.2. “Mony Mony” in 1987. It was originally done in 1968 by Tommy James and The Shondells.3. “Under the Blade” in 1982. It reached only No. 125 on the charts.4. Riley B. King. His fi rst No. 1 R&B single was “Three O’Clock Blues” in 1951.5. The Elgins. Their fi rst U.S. No. 1 pop hit was “My Girl” in 1965. The next four songs rose to No. 1 on the R&B charts only, as group began to refi ne its target audience.6. Blondie. The band was inducted into the Rock and Roll Hall of Fame in 2006.

1. Use of a repeated consonant, usually at the beginning of a word

2. 2,5573. Superman

4. Jacob Schick5. Alabama

6. U27. Mg

8. Portugal9. Mercury (Dies Mercurii)

10. Honeybee

1. Arizona’s Randy Johnson in 2002.2. The New York Yankees (1922, ‘63 and ‘76). 3. Coach John Harbaugh and quarterback Joe Flacco of the Baltimore Ravens won two playoff games at the end of the 2008 season.4. Wayman Tisdale (1983-’85).5. Wayne Gretzky (1980-’87) and Mike Bossy (1978-’85).6. Four times -- 1977-’79, ‘84.7. Foreman had 68; Ali had 37; Frazier had 27.

ARIES (March 21 to April 19) A long-sought workplace change could be happen-ing soon. Consider reworking your ideas and preparing a presentation just in case. A personal relationship takes a new turn.

TAURUS (April 20 to May 20) Your per-suasiveness doesn’t really start to kick in until midweek. By then, you can count on having more supporters in your camp, in-cluding some you doubted would ever join you.

GEMINI (May 21 to June 20) Your work-load is still high, but -- good news! -- you should start to see daylight by the week’s end. Reserve the weekend for fun and games with friends and loved ones. You deserve it.

CANCER (June 21 to July 22) Regard-less of how frustrating things are, keep that “Crab” under control. A cutting comment you might think is apt right now will leave others hurting for a long time to come.

LEO (July 23 to August 22) Be more sen-sitive to the emotions of loved ones who might feel left out while you’re stalking that new opportunity. Be sure to make it up to them this weekend. A nice surprise could be waiting.

VIRGO (August 23 to September 22) The gregarious Virgo rarely has a problem making new friends. But repairing frayed relationships doesn’t come easily. Still, if it’s what you want to do, you’ll fi nd a way. Good luck.

LIBRA (September 23 to October 22) A misunderstanding with a partner or spouse needs to be worked out before it turns into something really nasty. Forget about your pride for now and make that fi rst healing move.

SCORPIO (October 23 to November 21) Communication dominates the week. Work out any misunderstandings with co-work-ers. Also get back in touch with old friends and those family members you rarely see.

SAGITTARIUS (November 22 to Decem-ber 21) As busy as your week is, make time for someone who feels shut out of your life. Your act of kindness could later prove to be more signifi cant than you might have realized.

CAPRICORN (December 22 to Janu-ary 19) Congratulations. Your busy work-week leads to some very satisfying results. Sports and sporting events are high on your weekend activities aspect. Enjoy them with family and friends.

AQUARIUS (January 20 to February 18) Your generosity of spirit reaches out once again to someone who needs reassurance. There might be problems, but keeping that line of communication open eventually pays off.

PISCES (February 19 to March 20) You are among the truth-seekers in the uni-verse, so don’t be surprised to fi nd your-self caught up in a new pursuit of facts to counter what you believe is an insidious exercise in lying.

BORN THIS WEEK: You believe in loyalty and in keeping secrets. All things considered, you would probably make a perfect secret agent.


16

SNIPPETZ® BUSINESS AND FINANCE

For additional information, contact:

Adam Grayson755 Hwy.105, Ste M-4 • Palmer Lake, CO

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FINANCIAL FOCUS

HAVE YOU BUILT

YOUR INVESTMENT

PYRAMID?Provided by Adam Grayson

of EdwardJones Investments

Of the “Seven Wonders of the Ancient World,” the only one still in existence is the Great Pyramid

of Giza. This tells you something about the strength of the pyramid structure, but it also suggests that the pyramid may be a good metaphor for other endeavors that you wish to endure — such as your investment strategy.

In fact, by creating an appropriate “investment pyramid,” you could address your key fi nancial needs and goals. What might this pyramid look like? Consider the following “layers”:

• Cash and cash equivalents — The “base” of your pyramid should consist of cash and cash equivalents — short-term investment vehicles that are highly liquid. Without suffi cient cash available, the rest of your pyramid could crumble because you might be forced to liquidate longer-term investments to pay for short-term or emergency needs.

• Income — The next level up of your pyramid might contain income-oriented investments, such as bonds and Certifi cates of Deposit (CDs). While these investments may not offer sizable rates of return, they can offer reliable income.

• Growth and income — The middle layer of your pyramid should include investments, such as dividend-paying stocks, that offer the potential for both growth and income. (Keep in mind, though, that companies are not obligated to pay dividends and can reduce or eliminate them at any time.)

• Growth — The second layer from the top of your pyramid is reserved for growth-oriented investments, such as the stocks of

companies whose earnings are expected to grow at an above average rate, relative to the rest of the fi nancial market. As you’ll note, though, the key word is “expected,” because growth stocks can, and do, produce negative returns as well as positive ones.

• Aggressive — At the very top of your pyramid are the most aggressive investments. While these investments may offer the highest growth potential, they also usually carry the greatest risk level.

Your total investment mix may include investments from every part of the pyramid, but how much should go into each layer? There’s no one right answer for everyone. In fi lling out your investment pyramid, you’ll need to consider your risk tolerance, time horizon, short- and long-term goals and other factors. So, if you are a fairly conservative investor, you might place fewer investment dollars in the “aggressive” layer than someone who was willing to take more chances in exchange for potentially higher returns.

However, the various weightings within your investment pyramid will likely change over time. As you near retirement, for example, you may want to move some — but certainly not all — of your investments from the “growth” layer to the “growth and income” or “income” layers.

An investment professional can help you review your evolving family and fi nancial situations and make recommendations on what changes you may need to make to your pyramid.

Pyramids last a long time. And if you build and maintain your investment pyramid with care, you can keep it working effi ciently for many years to come.

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

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6 p.m.

Bella PaniniPalmer Lake, CO

To Kathy Williams at 481-4964

Dinner will be served.

You’re Invited...

Your family, friends and favorite organizations hold a special place in your heart. That’s why you’ve helped them in the past and probably want to continue doing so for years to come.

Join us for our free Charitable Gifting seminar to learn more about:

• What assets you can gift and when• How to maximize the benefi ts of your gift for both yourself and the recipient.• How to incorporate charitable gifting into your estate plan.

Dinner will be served.

Date: Tuesday, December 15, 2009

Time: 6:00 p.m.

Location: Bella Panini - Palmer Lake, CO

RSVP: to: Kathy Williams at 481-4964

17

SNIPPETZ® BUSINESS AND FINANCE

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

❖ Transactional (Contract) Services

Lisa Welch StevensAttorney at Law, P.C.

Admitted to Colorado State Barand U.S. Federal Bar for the

District of Colorado

Member: Colorado & El Paso County Bar Association

719.488.9395lisa@lwslawfi rm.com • www.lwslawfi rm.com

Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200Colorado Springs,

CO 80921(719)488-9395

DIVORCE / FAMILYLAW

Experienced - AffordableConvenient

Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

BETTER MONEY HABITS ADD UP

TO SAVINGSDon’t wait until the end of December to do a year-end fi nancial review. This is a good time to begin developing new habits that will help you save money next year. Here are some ideas:

Utility bills: If you had a goal this year of re-ducing your utility expenses by always turning off lights and lowering the thermostat, did you do it? If your savings weren’t what you expected because you didn’t always follow through, set a goal for next year. Notch the thermostat down a degree or two and turn off lights you’re not using

until it becomes an easy habit.

Cell phones: If you’re on a monthly plan that gives you a certain number of minutes for a set price, chances are you use up those minutes be-cause they’re there. You can save money, how-ever, by changing to an inexpensive phone with pre-paid minutes that you refi ll as needed. Your cell phone usage is likely to go down when you consider that each call is costing you a nickel or a dime per minute. The initial savings: no monthly bill. Additional savings: fewer minutes used.

Grocery coupons: You have to do the work -- cut them out of the paper, plan meals around items that are covered by the coupons -- but there is se-rious money to be saved using grocery coupons. Investigate online coupon sites, too. (Generate a throwaway e-mail address for those sites re-quiring that you sign up.) Check with your local store before you present them with printed cou-pons. Some stores won’t take them. Pay atten-tion to expiration dates. Rule of thumb: Don’t be

tempted to buy food your family won’t eat just because it looks like a good deal.

Sales fl yers, ads and Internet comparison: Get in the habit of looking at the fl yers and ads in the newspaper. Compare any intended purchases to what you fi nd online. Plus, a local store with a Web site might list specials that never show up in a print ad.

Think used: Check thrift shops for merchandise in good condition. You can fi nd clothing, furni-ture, tools, books, children’s games, housewares and much more at very low prices. Take some steps now, and you’ll be positioned to start the New Year with better money-saving habits.

David Uffi ngton regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to [email protected].


By Christopher C. Meyer and Ruth Bolas, © November 2009

What happens when you are getting divorced and your house is worth less than the loans associated with it? Is a short sale a potential

solution?

A signifi cant number of people who purchased or re-fi nanced homes in the last few years are upside down in their homes. They owe more on the house than it is worth. In a divorce, the assets and debts are going to be divided between the parties. If the house sells for a net loss, that debt is going to be divided between the par-ties. Is there some way to avoid or minimize this debt without foreclosure or bankruptcy?

A short sale may be the perfect solution. Although it is not ‘short’ in duration, the short sale process involves a lender taking less or ‘short’ of what they are owed. In most circumstances there are two loans – a fi rst and a second. To facilitate a short sale, the realtor would work with the lenders to negotiate acceptance of a less-er amount than what is owed. For example:

1st Mortgage $200,000 2nd Mortgage $50,000 Market Value $210,000

If the home could be sold for $210,000, then the fi rst lender in this example could be paid in full and the sec-ond would have to accept a loss. Keep in mind this example does not include the costs associated with the transaction including commissions, title work, tax pro-rations, and closing fees (that are all paid by the lenders, not the home owners).

If the property were foreclosed on, the second lender would get nothing, so better to accept a loss and recover some money in a short sale versus nothing in a fore-

closure. Even where a mortgage holder in fi rst position needs to accept less than what they are owed they typically will because in most foreclo-sures they will end up taking the property back for later sale as a bank-owned property. Banks make money by making loans – not by owning real estate.

Residual risk in a foreclosure or short sale is that the lender(s) could pursue a judgment for the ‘defi ciency’ or amount still owed after the short sale or foreclosure, but this is not the general practice. In short sales, lenders used to issue a 1099 to the home owners for the defi ciency, but now, with new legislation, in most situations the defi ciency is not considered taxable income to the sellers/homeowners.

The lender’s motivation to accept a short sale is to get money quickly from the sale and avoid the expense of a foreclosure sale. The homeowners’ motivation is to avoid the adverse effect of a foreclosure on their credit ratings. When homeowners can demonstrate a legiti-mate hardship such as divorce, fi nancial problems, loss of job, or health problems, lenders are very likely to work with them to facilitate a short sale.

If you struggling fi nancially and you are upside down in your house, you may be able to avoid foreclosure with a short sale. A short sale is a complicated transaction and it can take a long time, but the credit damage is signifi -cantly less than that resulting from a foreclosure.

A short sale can be an effective damage control device for homeowners, but it requires patience and expertise. Keep this in mind if you are trying to minimize your losses as you exit from the marriage zone.

This article is for informational purposes only and does not constitute legal advice about your case.

Chris Meyer is an attorney practicing family law in Northern El Paso County. Chris’ law practice is limited to domestic relations cases. Chris has been practicing law since 1977. He is a former prosecutor and is li-censed to practice law in Colorado, Florida, California and Wisconsin. Chris can be contacted at 719-488-9395. Chris’s website www.cmeyerlaw.com has addi-tional divorce and family law information and many other articles.

Ruth Bolas is a licensed Real Estate Broker with Keller Williams and is also an attorney. She grew up in the Monument area and serves the Front Range specializ-ing in working with buyers as well as home sales and short sales. Ruth Bolas can be reached at [email protected] or 719-488-3026 or 303-437-6010.

THE MARRIAGE ZONE:SHORT SALE OF THE MARITAL HOME

position needs to accept less than what they are owed they typically will because in most foreclo-sures they will end up taking the property back for later sale as a bank-owned property. Banks make money by making loans – not by owning real estate.

Residual risk in a foreclosure or short sale is that the lender(s) could pursue a judgment for the ‘defi ciency’ or amount still owed after the short

IT’STHELAW!

by Christopher C. Meyer,Attorney at Law, P.C.

18

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SENIORNEWS LINE

by Matilda Charles

YET ANOTHERREASONTO USE

COMPUTERS

I recently wrote about how to get help with the computer, and mentioned some of the benefi ts,

one of which is e-mail and chat-ting with family and friends. Now there’s a study out that gives anoth-er benefi t: Computer use by seniors helps to keep depression at bay.

The Phoenix Center in Washington, D.C., recently issued a policy paper that claims that Internet use by se-niors reduces depression by 20 per-cent. It says computers help seniors stay in contact with “sources of so-cial support when face-to-face in-teraction becomes more diffi cult.”

Not to be picky, but being a senior isn’t the only reason one might have diffi culty having face-to-face inter-action. Anyone who lives in a cold climate where the snow will be up to the windowsills by January could have a problem getting out. Those without a car who live in areas with-out good mass transit could have a

problem, too.

Still, one has to appreciate the ef-fort. They’re trying to help us -- I think. Here’s how it works, accord-ing to the study:

The American Recovery and Rein-vestment Act of 2009 aims to spend more than $7.2 billion toward mak-ing the Internet more available to ev-eryone. The Phoenix study revealed that only 42 percent of seniors age 65 and older use the Internet. It computed the annual overall cost of depression -- $100 billion per year -- and concluded that there is a dollar benefi t to bringing seniors onboard with broadband Internet service.

So we appear to be a good place to spend some of that reinvestment money.

If you’d like to read the study, go to the Phoenix Center’s Web site (www.phoenix-center.org) and click on “Internet Use and Depres-sion Among the Elderly.”

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to [email protected].


Article by Robyn GrahamKeller Williams

Real Estate, LLC

$8000 Tax Credit for First-TimeHome-Buyers Extended!

As part of this year's Economic Stimulus Package,Legislation has extended the $8000 Tax Credit

for First-Time Home-Buyers

First-time buyers, who are in theprocess of closing now, don't haveto worry about re-qualifying for the$8,000 tax credit if they do end upclosing after the Nov. 30 deadline.

The new legislation also increasesthe income limit for couples withincome up to $225,000 and$125,000 for single filers. (A $55,000increase above the current level.)

The legislation does set forth severalprovision including, limiting eligibilityfor existing homeowners to homesworth $800,000 or less, as well asmaking both credits available onlyfor primary residences, not secondhomes or investment properties.

The tax credit is also set to beextended for another year for mili-tary personnel serving outside of theUnited States until June 30, 2011.

To help guard against fraud, buyersare required to attach documentationof purchase to their tax return.

The original first-time homebuyer taxcredit jump-started the housing mar-ket, driving home sales to the high-est level in more than two years.The National Association REAL-TORS® reported sales jumped 9.4percent to a seasonally adjustedannual rate of 5.57 million units inSeptember and are 9.2 percenthigher than the 5.10 million-unitpace in September 2008.

NAR (National Assoc. of Realtors)has recorded that 1.4 million first-

LIBRARY OF ALLPAST ARTICLES:

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For further information,

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Robyn Graham at

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time homebuyers have qualified forthe program so far. They estimatedthat 350,000 of these buyers wouldnot have been able to purchasewithout the $8000 tax refund, whichmany buyers apply to their downpayment (through special programswith their lenders).

Home sales are a bit like Dominoes.Once one dominoe falls, the nextmust, then the next, and so forth.When bringing First Time Home-Buyers into the market, the Sellersof those homes are then able tomove up to a larger home. Eachtime purchasing a larger home fortheir growing families, and then ulti-mately downsizing for their retire-ment. And before you know it, theeconomy has equalized once again.

Hopefully this time we have learnedour lesson! Don't purchase a homefor which you can't afford the pay-ments! Only buy what you need. Andpurchase when the prices are low.

that close before July 1, 2010. Just asbefore, the credit will be $4,000 ifmarried and filing separate.

Those of you who already own ahome are now eligible for a tax creditand the purchase of a new home,under the new legislation. The $6,500maximum credit will be available toexisting homeowners who have livedin their current residence for five ofthe prior eight years. This means thatif a buyer owned a home for 5 yearsbut has rented for the last 3 years,they are eligible.

Last week, after the Senate gave itsfinal and fully supportive approval onthe homebuyer tax credit extension,the House of Representatives votedoverwhelmingly (98 to 0) to pass thelegislation, sending the tax credit toPresident Obama who's final sign-offon Friday made it official. The legisla-tion will take effect November 7,2009.

The $8,000 first-time home-buyer taxcredit, which was schedule to expireNov. 30, 2009, will be extended forcontracts signed before May 1, 2010

202020

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Snippetz Issue 420

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