Snippetz_Issue 460

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Larry E Stiltner Agency 481 Hwy 105 Suite 212 (719) 481-8382 Bus Monument, CO 80132 All your protection under one roof. ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 www.amfam.com NA-07497 Rev. 1/03 719-488-1400 www.monumentcoins.com [email protected] In the MONTEVERDE Center 325 2nd St. Suite U, Monument Co Bring this ad to receive an Extra 5% when we buy your Gold NOW OPEN MONUMENT COINS Buy • Sell • Trade…Coins, Gold & Silver WE BUY GOLD! GET 40% OR MORE IN CA$H FOR YOUR UNWANTED GOLD! Al Dobrick - 30 Years Exp by Deborah Stumpf S n I p p e S n I p p e t z ® t z OF NORTHERN EL PASO COUNTY & LARKSPUR Bargain Hunting... Continued on Page 2 15 Month Certificate of Deposit 1.507% APY* A SPECIAL BRAND OF ACCOUNTS Minimum Deposit $500.00 Penalty for Early Withdrawal *Rates subject to change *APY based on quarterly compounding Annual Percentage Yield as of June 18, 2010 FIRST NATIONAL BANK MONUMENT 581 Hwy 105 Member 719-481-0008 www.fnbmonument.com 11 Month Certificate of Deposit 1.22% APY* Minimum Deposit $500.00 Penalty for Early Withdrawal *Rates subject to change *APY based on quarterly compounding Annual Percentage Yield as of June 18, 2010 SNIPPETZ LOVES BARGAIN HUNTING FREE WEEKLY ISSUE 460 • AUGUST 23, 2010 always a better roof. GUARANTEED TUFF ROOF TM www.MyTuffRoof.com HAIL DAMAGE? FREE ESTIMATE CALL TODAY! 719-487-9000 J. Moran, Owner Rered USCG www.kingsdeergolfclub.com “One Man’s “Trash” is Another Man’s Treasure.” A ceramic kangaroo from the movie “Pulp Fic- tion” for $8, a half-carat diamond in a 14K leaf- shaped broach for $1, a sterling silver bowl for nothing – what do these items have in common? They were all found at thrift stores. Not exactly one man’s “trash.” The above-mentioned gems are rare finds, but thrift stores, resale shops and consignment stores offer the savvy shopper a smorgasbord of people’s throw- aways, from vintage clothing to antique furniture to bicycles. A HEYDAY Driven by a downbeat economy, thrift stores are looking good, even to some people once too snooty to be seen shopping for “leftovers.” The economic disaster of the 21st

description

FIRST NATIONAL BANK MONUMENT OF NORTHERN EL PASO COUNTY & LARKSPUR www.MyTuffRoof.com 581 Hwy 105 719-481-0008 ISSUE 460 • AUGUST 23, 2010 z z z z z z zz z zz z zz z zz z zz z zz z zz zz z zz z zz z zz z zz z zz z z All your protection under one roof. All your protection under one roof. GET 40% OR MORE IN CA$H FOR YOUR UNWANTED GOLD! 719-488-1400 All your protection under one roof. always a better roof. GUARANTEED ® by Deborah Stumpf Buy • Sell • Trade…Coins, Gold & Silver TM

Transcript of Snippetz_Issue 460

Page 1: Snippetz_Issue 460

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

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

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

719-488-1400www.monumentcoins.com

[email protected] the MONTEVERDE Center

325 2nd St. Suite U, Monument Co

Bring this ad to receive an Extra 5% when we buy your Gold

NOW OPEN

MONUMENT COINSBuy • Sell • Trade…Coins, Gold & Silver

WE BUY GOLD!GET 40% OR MORE IN CA$H FOR

YOUR UNWANTED GOLD!

Al Dobrick - 30 Years Exp

by Deborah Stumpf

SnIppeSnIppetz®

tznnInnnnnnnnnnnIIIIIIIIIpppppppppppppppp zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzOF NORTHERN EL PASO COUNTY & LARKSPUR

Bargain Hunting... Continued on Page 2

15 MonthCertifi cate of Deposit

1.507% APY*

A SPECIAL BRAND OFACCOUNTS

Minimum Deposit $500.00Penalty for Early Withdrawal*Rates subject to change*APY based on quarterly compoundingAnnual Percentage Yield as of June 18, 2010

FIRST NATIONALBANK MONUMENT

581 Hwy 105Member 719-481-0008

www.fnbmonument.com

11 MonthCertifi cate of Deposit

1.22% APY*Minimum Deposit $500.00Penalty for Early Withdrawal*Rates subject to change*APY based on quarterly compoundingAnnual Percentage Yield as of June 18, 2010

SNIPPETZ LOVESBARGAIN HUNTING

FREE WEEKLY

ISSUE 460 • AUGUST 23, 2010

always a better roof. GUARANTEEDTUFF ROOF

TM

www.MyTuffRoof.com

HAIL DAMAGE?FREE ESTIMATECALL TODAY!

719-487-9000 J. Moran, OwnerReti red USCG

www.kingsdeergolfclub.com

“One Man’s “Trash” is Another Man’s Treasure.”

A ceramic kangaroo from the movie “Pulp Fic-tion” for $8, a half-carat diamond in a 14K leaf-shaped broach for $1, a sterling silver bowl for

nothing – what do these items have in common?

They were all found at thrift stores. Not exactly one man’s “trash.”

The above-mentioned gems are rare fi nds, but thrift stores, resale shops and consignment stores offer the savvy shopper a smorgasbord of people’s throw-aways, from vintage clothing to antique furniture to bicycles.

A HEYDAYDriven by a downbeat economy, thrift stores are looking good, even to some people once too snooty to be seen shopping for “leftovers.” The economic disaster of the 21st

Page 2: Snippetz_Issue 460

Bargain Hunting... Continued from Page 1

2

719-271-8742Almost Everything Fixed

Around the House

Free Estimates / Satisfaction Guaranteed

Licensed and Insured

Specializing in your “To Do” List

THIS WEEK IN SNIPPETZ

ALL RIGHTS RESERVED © 2010PUBLISHED BY FUNDER ENLIGHTENING, INC.

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

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

www.snippetzonline.com

NEXT WEEK IN SNIPPETZ

FEATURE ARTICLESTai Yi - Feeling Stagnant

or Confused? ... 6

Strange But True... 7

Moments In Time... 8

Still Making a Difference... 11

Senior News Line... 17

STYLE 5Kim’s Korner - What to Consider When

Finishing Your Basement... 5

HEALTH AND WELLNESS 10To Your Good Health... 10

THE DINING GUIDE PAGES 12-13

The Kitchen Diva... 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)

REAL ESTATE 16Robyn’s Rap - 15 Home Remodeling

Projects... 16

CLASSIFIED PAGE 17GREAT BARGAINS - Find Your Treasure!

Business / Employment Opportunities

BUSINESS AND FINANCEPAGES 18-19

Financial Focus ... 18

It’s The Law: The Marriage Zone ... 19

COMMUNITY CALENDAR 19

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Bargain Hunting... Continued on Page 3

W H E N Q U A L I T Y C O U N T S W H E N Q U A L I T Y C O U N T S

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SNIPPETZ LOOKS TOTHE SKY: METEORS!

SNIPPETZ LOVESBARGAIN HUNTING

century has affected bottom lines nationwide and humbled many.

Members of the National Association of Resellers and Thrift Shops reported increases in sales in 2009. In the fourth quarter of 2009, 71.4 percent of resellers’ sales in-creased. Many realized an increase in inventory as well – 62.4 percent. The entire industry is seeing a 5 percent increase in stores each year.

ALL FOR CHARITYAlthough it’s not set in stone, the resale industry divides itself into three categories: the resale shop, the thrift shop and the consignment shop.

Thrift shops are usually run by nonprofi t organizations to raise money to fund their causes. Many are run indepen-dently of the organization and most operate through dona-tions.

Thrift stores benefi t the shopper and the cause.

The Salvation Army has had thrift stores for more than 100 years. Founder Gen. William Booth created the Household Salvage Brigade, a group of people designated to collect unwanted household items. Booth was a visionary for the recycling industry. “We all know what a number of articles there are which are not quite bad enough to be thrown into the dust head, and yet are no good to us,” Booth said.

There are more than 2,300 independently owned and op-erated Goodwill stores in the United States and Canada. Goodwill Industries reported that annual revenue from those stores is more than $2 billion. The majority of Good-will stores introduce more than 2,000 items every day to their inventory. Some of the Goodwill stores operate high-end boutiques and specialty stores that feature designer

clothes, jewelry, etc. And Goodwill Industries operates an online auction-based shopping opportunity, much like E-bay: www.shopgoodwill.com.

St. Vincent de Paul, a Catholic-run charity, opened its fi rst thrift store in 1958. As of June 2009, the organization op-erated 421 thrift stores in the U.S. In 2008, store revenues were more than $97 million.

Another high-profi le organization that focuses on thrift shops is Arc. The National Arc of the U.S. was founded in 1950 to advocate for people with developmental and intellectual disabilities and their families. The Arc has a large presence in Colorado, with 11 chapters and 18 thrift stores.

Habitat for Humanity; hospice, church and pet rescue or-ganizations are examples of other groups that establish thrift stores to advance their causes.

CONSIGNMENT & RESALE SHOPS People who bring their wares to consignment or buy-sell (resale) trade stores are paid in two ways. Most of the shops will price an item at about one-third of its retail value and give a percentage – anywhere from 25 to 50 percent – to the original owner.

Other stores give cash or store credit upfront.

Regardless of the method, one thing is required: the items must be in excellent condition.

FOR PROFITResale is big business in the U.S. According to the Na-tional Association of Resale and Thrift Shops, the industry has grown 7 percent a year in the last two. Including for-

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SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Bargain Hunting... Continued from Page 2

The place to turn for ShelterInsurance protection foryour auto, home, and life.

Michael D. Ahlers66 Second St. Ste. B P.O. Box 1212

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www.shelterinsurance.com Seek Shelter Today!

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Bargain Hunting...Continued on Page 4

JUSTIN PALMER481 Hwy 105 • Ste B - 188

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profi t and nonprofi t, more than 30,000 re-sale, consignment or thrift shops currently exist nationwide.

The Buffalo Exchange thrift store chain has been featured in magazines like “Wom-en’s Day.” The owners started with a 450-square-foot shop in 1974, and today they can boast 39 stores in 14 states, generating $60.5 million in 2009. Crossroads Trad-ing Co. operates 25 stores nationwide and earned more than $20 million.

Considering there are thousands of single-location shops, hundreds of chain thrift shops, franchises and nonprofi t thrift stores, the industry is gaining ground. Many of the consignment and resale stores partner with nonprofi t organizations, pur-chasing part or their entire inventory from their thrift shops.

THE SHOPPER

About 18 percent of Americans shop at thrift stores each year; 12 to 15 percent purchase at consignment shops. In com-parison, 11.4 percent of Americans shop in factory outlet malls, 19.6 percent in ap-parel stores and 21.3 percent in department stores.

Retail stores are going with the fl ow in to-day’s world and clumping together in cer-tain areas for the convenience of the shop-per – thrift store junkies just can’t resist checking them all out.

There is no particular profi le of the thrift store shopper; it’s all about saving money and the opportunity to buy quality items for lower prices. Many shoppers talk about the “thrill” of fi nding a “treasure” for 80 to 95 percent less than regular retail.

The resale shopper also sees the environ-mental value of thrift shops – a great way to support recycling.

Tips on resale shopping: Women’s Day

1. Scout a variety of areas for thrift stores. Check out college areas for trendy items, high-priced neighborhoods for classy piec-es and even travel a bit to the nearest major city. 2. When buying clothes, purchase familiar brands and always try them on. Same with appliances, etc. – familiar brands are best. 3. Know when to shop. Mondays are good because people clean out their closets and garages over the weekend. 4. Don’t hesitate if it’s something you real-ly want. Chances are if you walk away and come back later, the item will be gone. 5. Inspect the piece carefully, whether it’s clothes, furniture or appliances. 6. It’s where you can bargain. You can’t bargain with the sales person at Macy’s, but you can barter with a reseller. Maybe your treasure has been in the store for awhile or maybe there is just one scratch or a pulled thread.

More Tips from the Thrifters

Thrift store groupies know how to shop. Here are a few more tips from the die-hards. • Bring cash.• Leave kids at home. • Bring friends and make it a day out. • Think creatively about how to use the item. • Test things out – like toys and electron-ics. • Be patient and take your time looking around.

For Additional Information Call: 719-213-3323

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4

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Bargain Hunting... Continued from Page 3

6/30/10.

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THE FAKESWhen it’s too good to be true, it usually is. Counterfeit goods – reproductions, knock-offs, replicas, fakes – it’s big business. The U.S. Department of Commerce reports that losses to U.S. businesses from counterfeit products are estimated at $200 billion a year. Counterfeit goods can be dangerous, too. Replicas of children’s clothing might not be fl ame retardant. Counterfeit toys can be choking hazards to children.

How to spot a fake:

• Look for torn or scribbled out labels.• Beware of misspelled or altered product names.

• Check out changes in product content, color, smell or packaging. • Look for missing codes, trademarks or 800 numbers.

NO CHEAP DECORAs more thrift and consignment stores open throughout the country, the competi-tion breeds attention to details – about in-ventory and appearances. Resale stores are not dingy, badly lit, clustered little holes in the wall. Snappy storefronts, bright and in-viting interior lighting and colors, and cre-ative and organized displays have brought the resale store up to snuff to any retail store.

Happy Shopping!

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Page 5: Snippetz_Issue 460

5

SNIPPETZ®: STYLE & THE LOCAL SCOOP

Secret Window

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KIMS

KORNERby Kim Carson

Whether it’s extra bedroom space, a new den, a play-room or just a quiet spot to

call your own, fi nishing the basement is one of the greatest ways to improve cramped living. However, a basement has a few unique characteristics that must be considered to ensure that the space functions well for your needs.

First, be sure that you obtain all the proper permits to complete your proj-ect. Check with your local government center or online to fi nd out what is re-quired in your area. Most local city, county, and state requirements can be found online.

One of the most common problems with basement refi nishing ideas is the ceiling height. Many basement ceil-ings are lower than the average ceilings in your home. One way to help reduce this problem is to fi nish around your ductwork. Boxing (enclosing) around it allows you to have higher ceilings in the majority of your basement.

This solution works for some. Others may feel the boxed enclosures are an unattractive eye sore. Ductwork gener-ally takes up a lot of space on a base-ment ceiling. Re-ducting to accommo-date your basement fi nishing ideas is also an option but can be very costly. Using a vaulted ceiling also helps give the illusion of a taller space.

Here are somebasement fi nishing Ideas:

When purchasing carpeting for your new room, be sure to obtain good pad-

ding and go for thicker carpet. Your upstairs rooms generally have wood under the carpet. However, in your basement it will likely be concrete. Thus, the fl ooring upstairs is a little softer by nature. If your basement fl oor is concrete, adding a little extra cush-ion makes it more comfortable. If you choose hardwood fl oors, you may still want an extra layer of padding to help control moisture.

You’ll also want to consider the plumb-ing and electrical facilities in your basement. Make sure to provide easy access to areas that may need repairs later. These can be covered but you’ll need to make sure the covering can be removed without damaging adjoining materials. Again, boxing in with easy access openings is the method most commonly used.

A basement remodel is a major project. It is important to decide what you want before you fi nd a contractor to fi nish your basement. It will make the pro-cess fl ow more smoothly and help to ensure that the contractor understands your needs, style and desires before the project starts. This will also help you get both accurate pricing and a better estimate on the timeline of your project from your contractor.

For more information, visit:www.FlooringandDesignCenter.com

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Monument, CO - Crafty Laine has found its perfect home. On August 10th, Monu-ment welcomed its newest addition to the Historical District. Located at 273 Wash-ington Street, store owners Angie & Tobin McKearin opened Monument’s fi rst fabric boutique and sewing lounge.

Crafty Laine Fabric Boutique & Sewing Lounge offers a new and unique concept to traditional sewing. It caters to a younger generation of crafters and DIYers by offer-ing fabrics with colorful and modern de-signs, plus sewing lessons for those who didn’t learn the skill from their mothers or grandmothers. The class schedule, due to come out next week, will consist of classes for beginner and intermediate sewers and will incorporate a variety of techniques and skills giving students the knowledge they need to make their own handmade items.

MONUMENT ADDS NEW “LAINE” TO HISTORIC DISTRICT

The goal is to attract a younger generation to the classic art of sewing, but we hope that the unique fabrics, patterns and acces-sories will attract seasoned sewers as well. The Grand Opening was in conjunction with the August Art Hop

Contact InformationCrafty Laine Fabric Boutique

& Sewing LoungeAngie McKearin

273 Washington Street, Monument CO719-375-3961

Hours: Tuesday – Friday 10am – 6pm

Saturday 10am - 4pm Grand Opening August 19th 5pm – 8pm

[email protected]

Expert Hairstylist Emily Steinerhas moved her business to

Monumental Styles & Co.Book any TWO salon services now

earn 20% OFF your second service!(menti on this ad)

1445 Cipriani Loop (Hwy105 & Knollwood)719.487.8660

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6

SNIPPETZ®: THE LOCAL SCOOP

EMPOWERMENT THROUGH HEALING, LLC

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Tai Yi Energy Practitioner - Tami Urbanek

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Feeling stagnant and/or confused can lead to more than simply lack of focus, direction, and decision-

making. It can also lead to issues in the physical body with hormones, liver, and kidneys.

Our physical bodies are the last part of us that manifest diffi culties when something is out of balance. Before our physical bodies can display out of balance symptoms, our mind and emo-tions are out of balance. However, we live in a society where most people desire immediate satisfaction in the delay or “elimination” of symptoms. Those individuals will seek out others who can offer immediate satisfaction, while many times, seeking the cause of the symptoms does not occur. When the cause is not searched and resolved, the symptoms will only temporarily go away or sometimes, they manifest in a different part of the body.

A simple example of this is using med-icine for a headache. Some may or may not search the reason for the headache in order to resolve it while also seek-ing out a pain reliever. While taking a pain reliever gives the person some relief while searching the reason for a headache, taking a pain reliever only covers the pain; it does not remove the headache, nor does it resolve the reason for the headache. Is the headache due to dehydration, tension, lack of blood fl ow, tight neck muscles, a reaction to a food or drink? When one looks at the cause and removes/resolves it, the

TAI YIFEELING

STAGNANT ORCONFUSED?

headaches go away. In relation to feeling stagnant, when one wants to remove feeling stagnant, he or she needs to look at the cause. Many times, the cause is fear. Fear of the unknown, fear of healing, fear of what others will think, fear of breaking the ‘status quo.’ This feeling of being stagnant can lead to confusion and lack of focus or direction, but also it can create diffi culty in the hormones of the body and can create an issue of water retention as well as issues with the liver and kidneys.

When one identifi es that fear has cre-ated the feeling of being stagnant, he or she can work on understanding the cause of the fear. Some individuals are passive and decide to stay in the status quo instead of seeking out assistance in healing and fi nding joy in life. Many people decide that staying passive is easier because becoming proactive might ‘rock the boat’ within a family unit or a work setting. Actually, stay-

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ing passive makes life more diffi cult, but some individuals’ perceptions are misguided or they are so familiar with passivity, that anything different is too much of a risk. The result becomes…staying stagnant and creating diffi cul-ties in the body.

When one chooses to become proactive instead of passive and look at the issue, the Tai Yi treatment, Moon Energy, can assist that person. Moon Energy for Females or Males works with the person and allows for deep emotions to surface. When deep emotions and feel-ings surface and worked with, they as-

sist the physical body. This treatment sends energy to the parts of the body that do not allow hormones to fl ow. It also assists with the clearing of retain-ing water and works with the liver and the kidneys.

Tami Urbanek

For more Tai Yi exercises andTai Yi History, visit:

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End of Summer Art Sales

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3 Events Featuring Local ArtistsAnker Bergin, Michael Couillard, Kevin Johnson,

J Clark Wider, and Mariya Zvonkovich

September 3, 4 & 5Labor Day Weekend End of Summer Bash! Live Music

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Page 7: Snippetz_Issue 460

SNIPPETZ®: THE LOCAL SCOOP

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THANK YOU! From all of us at “The Enchanted

Florist.” We have had such a tre-mendous and positive response

from our wonderful neighbors and friends within our community, I just had to tell everyone Thank You.

I have truly been amazed as the custom-ers walk through our doors just to let us know how much they appreciate us re-opening their community fl orist. Many have told us that this had been their one stop fl orist for over 20 years because of the convenience of the location and they had been extremely disappointed when the shop closed last December.

Much of my former business was work-ing with clientele as a location special-ist in California to fi nd the right area for specialized businesses, so I realized this

shop and it’s location had great potential and needed to be re-opened.

I feel that a fl orist is a type of community service and should always have a warm and inviting atmosphere and that’s what we are all about, serving our neighbor-hood.

I remember as a child walking into our local fl orist and I especially remember the lady who owned it, she was such a charm, and always took the time to make everyone feel welcome. I just loved go-ing into her shop even just to say hello. That’s what we want for our shop, even if you just stop in to say hello. We want to be the best at everything we do and especially in welcoming our neighbor-hood into our shop. Thanks so much for your welcomed support. Love & Prayers, Tammy Rene’ Crawford, (Owner) “The Enchanted Florist”.

By Samantha Weaver

• It was American drama critic and au-thor John Mason Brown who made the following sage observation: “Reason-ing with a child is fi ne if you can reach the child’s reason without destroying your own.”

• The fi rst Wal-Mart was located in the town of Rogers, Ark. When it opened in 1962, it had a total of 16,000 square feet of space. Today, there are Wal-Mart Supercenters all over the Unit-ed States, and they measure at least 100,000 square feet and can range up to 220,000 square feet.

• The original Maytag company was known for making horse-drawn bug-gies rather than appliances.

• The word “pretzel” comes from the Latin word for “little reward.”

• Researchers at Johns Hopkins Univer-sity and the University of Pennsylvania conducted a joint study on Americans’ weight. They concluded that if current

trends continue, 86 percent of adults in this country will be obese by 2030.

• Before H. Ross Perot became a suc-cessful businessman -- and had a brief, somewhat less successful career as a politician -- he broke horses for a liv-ing.

• Statistics show that three out of four married women over the age of 50 are on their second marriage. In the same age range, fi ve out of six men are in the same marital situation.

• Firefl ies start to glow in order to at-tract a mate, and they die soon after fi nding one.

• Experienced boot makers reportedly can get three pairs of the footwear out of a single ostrich hide.

• When you sneeze, the air leaves your mouth at approximately 100 mph.

***

Thought for the Day: “Anybody who has listened to certain kinds of music, or read certain kinds of poetry, or heard certain kinds of performances on the concertina, will admit that even suicide has its brighter aspects.” -- Stephen Leacock

(c) 2010 King Features Synd., Inc.

Page 8: Snippetz_Issue 460

8

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• On Aug. 24, 1814, during the War of 1812 between the United States and England, British troops enter Washington, D.C., and burn the White House in retaliation for an American attack two years earlier on the city of York in Ontario, Canada.

• On Aug. 27, 1883, the most powerful volcanic eruption in recorded history oc-curs on Krakatau, an uninhabited volcanic island located west of Sumatra in Indone-sia. Heard 3,000 miles away, the explo-sions threw 5 cubic miles of earth 50 miles into the air, created 120-foot tsunamis and killed 36,000 people.

• On Aug. 23, 1902, pioneering cookbook author Fannie Farmer, who changed the way Americans prepare food by advocat-ing the use of standardized measurements in recipes, opens Miss Farmer’s School of Cookery in Boston. Farmer later educated medical professionals about the importance of proper nutrition for the sick.

• On Aug. 25, 1939, “The Wizard of Oz,” which will become one of the best-

loved movies in history, opens in theaters. Though the scenes in Kansas were shot in traditional black and white, Oz appears in vivid Technicolor, a relatively new fi lm process at the time.

• On Aug. 29, 1945, President Harry Tru-man authorizes the Navy to seize control of and operate petroleum refi neries to coun-teract strikes by oil workers. Oil, gas and chemical workers had worked hard during the war to meet production demands and now wanted to return to a 40-hour work-week. They resented the amount of money oil-industry CEOs were making off of their labor while they simultaneously threatened to lower workers’ wages after the war.

• On Aug. 26, 1959, the British Motor Cor-poration launches its newest car, the small, affordable -- at a price tag of less than $800 -- Mark I Mini. Although only 10 feet long, the Mini could sit four adults and had a trunk big enough for luggage.

• On Aug. 28, 1988, an air show involving military jets at the Ramstein Air Base in Germany turns tragic when three jets col-lide in mid-air and fall into the crowd of 100,000 spectators. Sixty-nine people died and hundreds more were injured.

(c) 2010 King Features Synd., Inc.

MOMENTS IN TIMETHE HISTORY CHANNEL

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Page 9: Snippetz_Issue 460

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Page 10: Snippetz_Issue 460

10

SNIPPETZ® HEALTH AND WELLNESS

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FUNGUS, NOT SUNCAUSES SUNSPOTS

DEAR DR. DONOHUE: What causes sunspots? They appear even when we have not been exposed to the sun. -- Anon.

ANSWER: The sun has nothing to do with sunspots. A fungus is their cause. The fun-gus depigments patches of skin so they are lighter than the surrounding skin. The sun comes into play only because it darkens the surrounding skin and the spots stand out like a sore thumb.

Selenium sulfi de and fungal medicines like Lotrimin, Naftin and Tinactin can usually dislodge the fungus. The depigmented skin stays light for quite some time, and people believe the medicines have not worked. In time, pigmentation returns.

***DEAR DR. DONOHUE: I am 76. I am the fi fth of eight boys. Three had the shingles. Our parents are gone. I want to

get the shingles vaccine, but was told by friends that you cannot get the shot if you did not have chickenpox. I don’t remember whether I had chickenpox. -- P.

DEAR DR. DONOHUE: I recovered from shingles a few years ago. After hear-ing many horror stories about shingles, I wonder if I should consider getting the vac-cine to prevent another outbreak. -- J.V.

ANSWER: Almost every older American has been infected with the chickenpox virus, whether or not they can remember having had the illness. That indicates that almost all older Americans still harbor the chickenpox virus in their nerve cells. In later years, the virus escapes from nerve cells and travels down the nerve to the skin, where it brings about an outbreak of shingles. Therefore, all older people qual-ify for the shingles vaccine, regardless of their ability to remember having had chick-enpox.

Authorities recommend that those who have had a shingles outbreak get the vac-cine. It is true that a shingles outbreak af-fords some protection against a second out-break, but return visits from the shingles virus do occur, so, J.V., you qualify for the vaccine.

Shingles is a painful experience, and the pain can last long after the rash has gone. The shingles booklet explains this common problem and how it’s treated. To obtain a copy, write: Dr. Donohue -- No. 1201W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipi-ent’s printed name and address. Please al-

low four weeks for delivery.***

DEAR DR. DONOHUE: I am sick and tired about all this exercise talk. What proof exists that it is such a health boon? I am not into exercise, have never been into it and probably will never be into it. Can you say with a straight face that proof really exists that exercise extends life? -- R.R.

ANSWER: Yes, I can. And I can do so with a straight face. The studies that show exercise improves health are too numerous to cite. A recent study showed that men (although no women were included in the study, I am sure it applies equally to them) who increased the intensity and frequency

of physical exercise had their mortality cut in half from a control group that did not exercise. Consistent exercise bestows the same health benefi ts that come from not smoking.

***Dr. Donohue regrets that he is unable to an-swer individual letters, but he will incorpo-rate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475.

(c) 2010 North America Synd., Inc.

All Rights Reserved

Page 11: Snippetz_Issue 460

11

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STILL MAKING A DIFFERENCE

As the song goes, “old soldiers never die”, however, this old soldier has far from faded away. With a

distinguished military career as a soldier and as a marine, followed by an equally distinguished career as an artist, Jim Wider isn’t done yet. From his studio in northern Colorado Springs, he continues to make a difference, and has even infl uenced the lives of current Fort Carson soldiers in a number of ways. In addition he is involved with promoting the arts and black culture in Colorado. His studio gallery is a wonderful display of the proud history of African Americans and is a visit well worth making.

Jim Wider’s military career began with the 11th Airborne Division in 1954, and he saw service in Augsburg and Kitzingen Germany. It was during these years, ironically, that he fi rst had the opportunity to visit an art museum. As a black child growing up in the south, these opportunities just weren’t there. So, while assigned to Germany, he made a trip to Paris and toured the Louvre—the world’s premier art museum fi lled with the works of the masters. Now that’s starting out at the top! It drove a point home though. Why had he missed the chance to nurture his passion for art as a child? Since then he has been about the business of helping children discover the arts and his gallery is rich with such opportunities. Mr. Wider also served as an infantryman with the USMC during his twenty years of duty, as a part of a number of Far East and Mediterranean cruises, serving in Korea, Okinawa and Japan. Rounding out the remainder of his military service in armor, he was stationed at Fort Carson under combined arms, 4th Infantry Division, before he retired in 1975.

Upon retirement, Mr. Wider, who had produced a fair amount of art as a soldier overseas, opened up his Southwinds Fine Art Gallery. The Southwinds Gallery was located on Weber in downtown Colorado Springs, as well as outside the west gate at Peterson Field on Powers, before arriving at its current location at 16575 Roller Coaster Road (corner of Roller Coaster Road and Baptist Road) on the edge of the Black Forest. From those locations, Mr. Wider’s art has enriched the lives of the soldiers and airmen that have walked out the gates of Fort Carson and Peterson AFB and into his studio.

Mr. Wider is a seasoned artist who creates from his childhood memories of the south, a genre of art that is unique to the Colorado Springs. His art captures the heart and is both visually and emotionally provocative. Somehow avoiding the enormous pressures of the changing trends and infl uences all artists face, he follows his own course, pulling images from his memories and from folklore.

His interest in art began as a young boy, scratching drawings in the dirt with a stick in Columbia, South Carolina. “That’s all we had. My family was too poor for me to have even pencils and paper, never mind canvas, brushes and paint.” “Perhaps this is the foundation for Jim’s heart in helping others get started, as well as Jim’s passion for helping children of all colors experience the arts early in life,” ponders local artist and newcomer to Southwinds Fine Art, Michael Couillard. As Mr. Wider grew, so did his talent and the selection of art as his life’s work. Concluding his formative years with a BFA degree from the University of Southern Colorado, he selected scenic Colorado Springs to live in and brought to the area a beautiful gallery right in our own backyard.

As a painter and gallery owner Mr. Wider publicizes and markets his own work, and

his work is represented in many private collections. Collectors of his original paintings and limited edition prints include Kenya’s Ambassador to the United States, show host and actress Oprah Winfrey, actress Esther Rolle, actress Maria Gibbs, General Colin Powell, basketball super start Grant Hill, activist Dick Gregory, football Hall-of-Famer “Mean” Joe Green, actor Hal Williams, and many other art lovers. In 1994, Mr. Wider was one of ten artists invited to participate in the African American Art Festival (celebrating contemporary African American artists from 1980 to 1994) at the highly prestigious National Arts Club in New York City. In addition, Mr. Wider is well known for his contributions to our culture and community. Because of his selfl ess role in educating our community about the arts and his involvement with youth, Mr. Wider was recognized in the Congressional Record of the 110th Congress by the Honorable Douglas Lamborn and is listed in the premier edition of Who’s Who Among Blacks in Colorado Springs. Jim Wider’s realism in the marketplace complements his own personal view of art. Whether or not you walk out of the gallery with a piece of Mr. Wider’s art, there’s no doubt you’ll walk out with a memory, with your life enriched by the experience.

Mr. Wider has opened up the Southwinds gallery to other local artists, including artist SFC Kevin Johnson of the HHC, 43rd Sustainment Brigade. Similar to Mr. Wider’s story, SFC Johnson is now nearing retirement after 20 years of Army service, and is about to embark on a career in art. Having “done art all my life”, SFC Johnson is excited about the prospects of becoming a professional artist himself. Currently attending DeVry University in Multimedia Art, SFC Johnson is currently doing an internship with ARG! Cartoon Animation Studio, a small Colorado Springs animation studio that specializes in classic 2D character animation. SFC Johnson’s art is largely done on the computer and he is part of a new generation of artists in this way. Grateful for his association with Mr. Wider, he now has a place not only to display his own work, but he’s found a soldier-to- soldier mentor who is invested in helping him succeed. Jim Wider’s vision is to pass on some of the elements of his success to aspiring artists and to have Southwinds become a local art hangout on the north end of the Springs. The vision is exciting and promises great things for the future, both for these artists, as well as for the Colorado Springs and Fort Carson communities.

If you’re intrigued by this man who, having served his country, is now serving humanity, or are just interested in experiencing the culture through art, consider making yourself a guest of Southwinds. You’ll encounter a rich story in every painting and your life will be enriched by meeting Jim Wider, an artist, fellow soldier, and brother. Make sure you look for his numerous Buffalo Soldier paintings while you’re at it. Also in the works are events centered around the celebration of the life of Dr. Martin Luther King on the weekend of January 15 through 17. In addition Mr. Wider would like to see the studio gallery become a fi eld trip for students, as well as adults who want to fi nd out more about the black culture, during Black History Month in February. Stay tuned for more information as plans develop. In the meantime, please consider a summer visit during one of the events below. Also watch the Snippetz for a future article featuring the other local artists at Southwinds Fine Art.

Summer Events at Southwinds: These events are designed to be family friendly fun events where you can get away, get a bite to eat (free food!!) and take in some great art. You might also take in some fun music. There is one last event remaining: End of Summer Bash on Labor Day Weekend (September 3, 4 and 5; 10 am to 8 pm daily). Come experience an open gallery, live music, door prizes and free refreshments served throughout the day. For additional information, call: 719-481-6157.

Page 12: Snippetz_Issue 460

12

SNIPPETZ® DINING GUIDE

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Page 13: Snippetz_Issue 460

13

SNIPPETZ® DINING GUIDE

Pizza • Pasta • LasagnaSalads • Sandwiches

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

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SUN. - THUR. : 11:00AM - 9:00PMFRI. & SAT. : 10:00AM - 10:00PM

CAMPFIRECUISINE

Camping! Just the word evokes many feelings. If you already love it, you might fondly remember trips of the past -- recreation with friends and fam-

ily, or quiet time communing with nature. If you’re new to it, you might be excited about the mysterious forest or vast ocean vistas you’ll see.

A recent survey by the Outdoor Foundation, a non-profi t group that promotes outdoor activities, indicates camping popularity rose 7.4 percent in 2008 after a decline the year before. Overnight backpacking grew by 8.5 percent, the group reports.

“People are returning to simpler lifestyles -- the ‘less is more’ ethic,” says the foundation’s Christine Fanning. “And everyone is searching for vacations that fi t with to-day’s economy.”Typically, National Forest campground fees go for $10 to $15 per night. Here are some tips for tent campers cour-tesy of KOA Kampgrounds: --New tent? Practice setting it up in the backyard before going on a trip. --Invest in good sleeping equipment. Choose air mattress-es, cots or sleeping bags that will give you adequate rest so you can get the most out of your daytime activities.

--Stay dry: • Use a ground cloth under your tent as protection from rips and moisture.

• Use the rain fl y, even if the sky looks clear.• To prevent rain from leaking into your tent, apply a seam sealant to the inside and outside of all exposed tent seams.

--Keep your tent clean: • A whisk broom is handy for sweeping out dirt and leaves. • Place an indoor/outdoor rug in front of your tent entrance for dirty shoes. • Bring duct tape for quick repairs of small tears, splin-tered tent poles and the like.

If you love the great outdoors, but prefer the creature com-forts of home, camping also has kept up with the times. You can select high-end campsites featuring lodges that rival an urban hotel, complete with Wi-Fi and concierge services.

One thing that hasn’t changed about camping is the joy of a tasty meal prepared on an open fi re. These recipes for Campfi re Stir-Fry and Pineapple Surprise are quick and easy, and the fl avors are enhanced by enjoying the meal in the great outdoors!

CAMPFIRE STIR-FRY

You can use cubes of beef or chicken and your favorite se-lection of vegetables (including drained canned or frozen vegetables) in this simple recipe.

8 chicken or beef sausages6 small new potatoes, thinly sliced2 small summer squashes cut into rounds2 large carrots cut into 2-inch pieces2 cloves garlic, mashed and peeled1 stalk celery, diced 1 medium onion, thinly sliced3 tablespoons vegetable oil 1 1/2 tablespoons poultry seasoning or Italian seasoning1 teaspoon salt1 teaspoon black pepper

Put all of the ingredients into a 13-by-9-inch baking pan

The Kitchen Divaby Angela Shelf Medearis

(a disposable aluminum pan works fi ne) or a large cast-iron skillet. Drizzle the ingredients with the oil. Sprinkle on the seasonings. Mix everything together until coated with the oil and spices. Place over medium coals for 30 to 40 minutes, stirring occasionally, until the sausages are cooked through and the potatoes are tender.

CAMPFIRE PINEAPPLE UPSIDE-DOWN CAKES

8 glazed doughnuts (day-old work fi ne)8 pineapple rings1 stick (8 teaspoons) butter8 Maraschino cherries with syrup8 teaspoons brown sugar

1. Prepare eight (8-inch) squares of alu-minum foil (one square per doughnut). Place 1/2 of a pat of butter in the center of the foil. Place 1 pineapple ring on top of the butter and 1 doughnut on top of the

pineapple. Add 1 teaspoon of the brown sugar inside each doughnut hole. Add the remaining 1/2 of the pat of butter on top of the brown sugar. Top each doughnut with 1 Maraschino cherry and a teaspoon of the syrup.2. Bring the sides of foil over the top of the dessert and twist the ends of the foil to-gether to close tightly. Place the doughnut packets on the coolest part of the campfi re grill and cook over low heat, 5 to 7 min-utes, until the butter and brown sugar have melted.

***Angela Shelf Medearis is an award-win-ning children’s author, culinary historian and the author of six cookbooks. Her new cookbook is “The New African-American Kitchen.” She is known as The Kitchen Diva and is the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Visit her Web site at www.divapro.com.

(c) 2010 King Features Synd., Inc.

www.eatatrosies.com

SERVINGBreakfast • Lunch • Dinner

1. Prepare eight (8-inch) squares of alu-minum foil (one square per doughnut). Place 1/2 of a pat of butter in the center of the foil. Place 1 pineapple ring on top of the butter and 1 doughnut on top of the PRIME RIB

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Suite 103C Monument719•434•7031

Page 14: Snippetz_Issue 460

14

(c) 2010 King Features Synd., Inc.

Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. GEOGRAPHY: What is the capital of Arkansas?

2. LITERATURE: Who wrote the novel “Captains Courageous”?

3. MOVIES: Who plays the title char-acter in “Nanny McPhee”?

4. ANATOMY: The temporal bone would be found in what part of the human body?

5. MEASUREMENTS: How long is a cubit?

6. ASTRONOMY: Which planet in our solar system is closest in size to Earth?

7. MUSIC: What is a doxology?

8. INVENTIONS: Who invented Vel-cro?

9. LANGUAGE: What does the phrase “a skeleton in the closet” mean?

10. ADVERTISEMENTS: What kind of product did the animated character Toucan Sam sell?

1. In 1936, Brooklyn catcher Babe Phelps hit .367, but was second in the race for the N.L. batting title. Which future Baseball Hall of Famer beat him out?2. Entering 2010, how many consecu-tive major-league seasons had Seat-tle’s Ichiro Suzuki collected at least 200 hits?3. True or false: Brett Favre has had two losing seasons as a starting quarterback in the NFL.4. Two Big Ten players won the John Wooden Award during the 1990s as the top male college basketball play-er. One was Glenn Robinson of Purdue (1994). Who was the other one? 5. In 2010, Buffalo’s Lindy Ruff moved into third place on the list of most games coached with one NHL fran-chise (984). Who are the top two on the list? 6. Name the fi rst U.S. woman to win a world title in the luge.7. Which golfer holds the PGA record for most consecutive tournaments won?

(c) 2010 King Features Synd., Inc.

SNIPPETZ® PUZZLES AND TRIVIA

1. What group released “Great Gig in the Sky” in 1973? Bonus for knowing the name of the al-bum.2. Which Backstreet Boys song was on the “Princess Diaries” soundtrack?3. Name the drummer who lost an arm in an accident. What band is he with?4. Which Simon and Garfunkel song was in the soundtrack for “The Graduate”? What was the year?5. Who released “Angry Eyes,” and when?6. Name the group that released “Carry On Wayward Son” and “Dust in the Wind.”

New DVD Releases forWeek of August 23, 2010

PICKS OF THE WEEK

There aren’t any major movie releases this week, but Boy Howdy are there some awesome TV series boxed sets

coming out.

Lost: The Complete Sixth & Final Season/Lost: The Complete Collection (Unrated) -- Two huuuuge releases for Losties this week: The fi nal season’s boxed set and a massive,

goody-laden collection of the complete se-ries.

The Season 6 set is just about what you’d ex-pect: All the episodes, audio commentaries, bloopers, deleted scenes, a couple of supple-mental featurettes, plus the much-hyped coda featuring the adventures of Hugo and Ben Li-nus after the events of the fi nale as they take on the job of being caretakers of the island.

“The Complete Collection” is more than just a boxed set of all six seasons. It’s 38 discs (one of which contains all-new never-before-seen content); more than 30 hours of bonus material; plus, a replica of the island, episode guide, an ankh, black light and a playable Senet game with black and white stones.

The packaging of “The Complete Collec-tion” is simply awesome. Of course, Awe-some comes at a price, so expect to pony up anywhere from $150 to $230.

Pawn Stars: Season Two (Unrated) -- Just

about everyone has their reality-show guilty pleasure. Some folks get their kicks with the guidos on the “Jersey Shore,” but for my money, I’ll take Las Vegas and the Harrison clan.

The History Channel’s “Pawn Stars” is the perfect storm of kitsch, white-trash drama and High Weirdness. It’s like “Antiques Roadshow” made a baby with the gang from “American Chopper.”

Every Monday night, a parade of desperate individuals enter the Harrisons’ pawn shop. Some have odd or interesting stuff to sell, like an antique barber chair or a rare coin or pinball machine, or vintage Army fl ame-thrower. Others bring in things -- like the leg-endary Taj Mahal Treasure -- that make you ask, “Why are these idiots trying to sell this at a pawn shop instead of auctioning it off at Christies?”

It’s this bizarre mix of the mundane, odd

and outright mind-blowingly ridiculous that makes “Pawn Stars” one of the most enter-taining reality shows on TV. The Season Two set contains all 32 episodes and some bonus footage.

MORE TV SERIES“The Simpsons”

The Complete Thirteenth Season“Flight of the Conchords” The Complete Collection

“90210” The Complete Second Season“Gossip Girl” The Complete Third Season

“NCIS: Season Seven”“Ghost Hunters International”

Season 1, Part 2 “Yoo Hoo Mrs. Goldberg”

“The Patty Duke Show” Season Three“Ax Men” The Complete Season 3

“Ancient Aliens” The Complete Season 1“Gangland” Complete Season 5

(c) 2010 King Features Synd., Inc.

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

(c) 2010 King Features Synd., Inc.

Page 15: Snippetz_Issue 460

15

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions

AUGUST 23, 2010

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. Pink Floyd. The song appeared on “The Dark Side of the Moon,” the English group’s eighth al-bum. It hit No. 1 in the U.S., but reached only No. 2 in the U.K.2. “What Makes You Different (Makes You Beauti-ful)”3. Rick Allen of Def Leppard lost his arm in 1984 when he was thrown from a car. He was able to continue drumming with the use of custom-built drum kits. 4. “Mrs. Robinson.” The movie was released 1967, the song came out as a single in 1968, and it earned a Grammy for Record of the Year in 1969.5. Loggins and Messina in 1976. It appeared on their “The Best of Friends” album, along with “House at Pooh Corner.”6. Kansas, in 1976 and 1977.

1. Little Rock2. Rudyard Kipling

3. Emma Thompson4. The skull

5. The length of a forearm6. Venus

7. Hymn of praise8. George de Mestral

9. A scandal that is kept secret10. Kellogg’s Froot Loops

1. Paul “Big Poison” Waner hit .373 that year.2. Nine entering 2010.3. False. He has had only one losing season (4-12 in 2005).4. Calbert Cheaney of Indiana in 1993.5. Al Arbour of the New York Islanders (1,500 games) and Billy Reay of Chicago (1,012).6. Erin Hamlin, in 2009.7. Byron Nelson won 11 in a row in 1945.

ARIES (March 21 to April 19) A relaxed mood early in the week could give way to high-temperature disputes. The Aries Lamb should resist being pulled into heated quar-rels that could really singe your wool.

TAURUS (April 20 to May 20) Satisfy that practical obligation fi rst, then you can feel free to indulge in your creative endeavors. Also, check for hidden or overlooked areas where repairs might be long overdue.

GEMINI (May 21 to June 20) Home is still the Twins’ major focus this week. But outside matters begin to take on added importance, especially those involving possible career moves. Stay alert for signs of change.

CANCER (June 21 to July 22) A travel plan might need to undergo some considerable adjustment because of unexpected changes. Keep an open mind and let the facts guide you on how you want to handle this.

LEO (July 23 to August 22) Playing cat and mouse with a matter you don’t really want to tackle wastes time, energy and, most impor-tant, an opportunity. Ask someone with expe-rience to help you get started.

VIRGO (August 23 to September 22) A shift in policy might not please you, but before you put up a “No Go” wall of resistance, ex-amine the circumstances. You might be quite pleasantly surprised by what you fi nd.

LIBRA (September 23 to October 22) Yes-terday’s critiques about your methods might have already evolved into today’s praise for your achievements. Good for you. Now go on and continue to build on your credibility.

SCORPIO (October 23 to November 21) An occasional temperamental fl are-up might oc-cur as you continue to help get things back to normal. Stay with it. You should soon get some idea of where to take things next.

SAGITTARIUS (November 22 to December 21) A negative reaction to what you believe was a well-deserved request might mean that you need to reconsider your position and make changes accordingly.

CAPRICORN (December 22 to January 19) There’s always room for someone new at the Sea Goat’s table. And the someone new this week could bring a message you’ve been waiting a long time to hear.

AQUARIUS (January 20 to February 18) A pile-on of personal matters this week might seem too overwhelming to deal with. But handling them on a one-by-one basis could have you out from under it by the weekend.

PISCES (February 19 to March 20) A friend might need your good advice regarding a matter. Be supportive. But unless you can be absolutely sure you have all the facts, be careful about any suggestions you might be asked to offer.

BORN THIS WEEK: Few things make you happier than bringing people together and helping to forge new friendships.

(c) 2010 King Features Synd., Inc.

Page 16: Snippetz_Issue 460

16

Article by Robyn GrahamKeller Williams

Real Estate, LLC

Top 15 Home Remodeling ProjectsFor Best Rate of Return

Part 2 of 3

LIBRARY OF ALL PAST ARTICLES:www.SpringsRealtyTalk.com

For further information, please feel free to call Robyn Graham at Keller Williams Real Estate 719-216-4421

or email [email protected]

simple pattern costs about$11,000. At resale, you'll getabout $10,000 of that back, arecoup rate of 90 percent.

One simple but effectivetrick -- add eye-appeal withdecorative planters on thefront porch, patio and decks.

Run-down stairs loweryour profit margin, so makesure porch railings are safeand attractive.

#9 Basement RemodelAverage return at resale:90.1 percent

The average basementremodel costs just over$51,051 and returns $46,010,so you'll recoup about 90 per-cent of the cost.

What do you get for$51,051? A 20 x 30 entertain-ing area with wet bar, a 5x8bath, recessed lighting and alaminate floor.

#10 ReplacementWindowsAverage return at resale:89.6 percent

Replacing ten 3x5 ft. win-dows runs about $9,700. Onaverage nationally, you'll getback $8,700 when you sell, arecoup rate of nearly 90 per-cent.

For hot climates, there'slow-e glass that reflects heat.And for maximum efficiency,add argon gas inside the paneto prevent heat and cold trans-ference within the window.

#6 Major BathroomRemodelAverage return at resale:93.2 percent

A major bathroom remodelinvolves expanding an existing5-by-7-foot bathroom, relocat-ing and replacing the tub andtoilet and adding designersinks and faucets, a linen clos-et, lighting, a ceramic tile floorand exhaust fan for a cost of$26,052, which brings in$24,286 at resale.

#7 Major KitchenRemodelAverage return at resale:91 percent

A complete kitchen remod-el in a midrange home aver-ages $43,862 and returns$39,920 at resale. That pricebuys 30 ft. of cabinets, anisland, laminate countertops,stainless sink, wall oven, cooktop, vinyl flooring and appli-ances.

If your home's value risesand your kitchen's finishesdon't, do a major remodelrather than small fix-ups.Budget 10 to 15 percent ofyour home's value remodelingthe kitchen.

#8 Deck, Patio or PorchAdditionAverage return at resale:90.3 percent

Adding a 16x20 ft. pres-sure-treated wood deck with a

[email protected]

www.RobynGraham.com

WOW Views in Woodmoor!18345 White Fawn $299,9004 Bedrm, 3 Bath, 2 Car 2351 Sq Ft

Best Buy in Monument!18180 Briarhaven Ct $214,5004 Bedrm, 2 Bath, 2 Car 2880 Sq Ft

Absolutely Breathtaking !750 Bowstring $494,900

5 Bedrm, 5 Bath, 3 Car 5599 Sq Ft

Investors! 1st Time Buyers!Golden Condo by School of Mines!2 Bdrm, 1 Bth, 1 Prkg Sp $73,900

To see MLS Info and Virtual Tours for these Listings:

www.MyListingOnline.com

Pool, Tennis, Security and More!1094 Fontmore Rd #A $194,9003 Bedrm, 2 Bath, 1 Carport 1400 Sq Ft

Frank Lloyd Wright Style Home!2806 N. Tejon $145,225

2 Bedroom 1 Bath 1 Car Garage

SECOND ANNUAL INDIAN ARTS MARKET AND POWWOW

Join the City of Woodland Park as it presents the Second Annual Indian Arts Market and Powwow in beauti-

ful Memorial Park in downtown Woodland Park. Last year’s event was the fi rst pow-wow held in Woodland Park in 30 years and was a great start to what will become an annual event. This year 20 Nation-ally known Native artists and craftsmen have been invited to showcase their jew-elry, artwork, traditional-style fl utes, pot-tery, woven horsehair baskets, silverwork, and more. The event will feature Native drums and dancers, a live birds of prey exhibit by Hawkquest, and a live wolf in-teractive display by the Rocky Mountain Wildlife Foundation. Of course there will be plenty of Native American food, includ-ing fry bread, Indian tacos, buffalo burgers, roasted corn, and more.

This will be a great event for the entire fam-ily and an opportunity to experience and learn about Native culture and traditions. For more information visit: http://www.WoodlandIndianMarketandPowwow.com.

This family event is free. Bring your own chairs and blankets. Please leave pets at home - birds of prey and wolves will be on the grounds. Also, drugs and alcohol are prohibited.

When: Saturday, September 4, 2010, from 9:00 AM to 5:00 PM. Grand Entry at Noon.

Where: Memorial Park just off Route 24 in Downtown Woodland Park, Colorado.

SNIPPETZ® REAL ESTATE / THE LOCAL SCOOP

TRI-LAKES CENTER FOR THE ARTS PRESENTS SONGWRITING

WORKSHOPS

The Tri-Lakes Center for the Arts (TLCA) will host beginning and in-termediate songwriting workshops

on Saturday morning August 28th.. These workshops will be presented by award win-ning artists and songwriters Jamie-Sue Seal and John Latini. Both Seal and Latini have achieved considerable commercial success for their music and songwriting talents. Both workshops include one-on-one time with each student. Absolutely no musical experience or ability is required for the be-ginning workshop.Beginning Songwriting with Jamie-Sue Seal: Jamie-Sue Seal’s music has received commercial and non-commercial airplay on more than 300 radio stations nationally, and her song ‘Homeward Bound’ was used in an HGTV television commercial.Intermediate Songwriting and Guitar Clinic with John Latini: John Latini is the recipient of songwriting awards in Michigan, North Carolina and Texas. A two-time champion in the Detroit Blues Challenge, he is often lauded for his energetic and captivating per-formances. His music knowledge, skills, and friendly approach make him a workshop leader favorite in the Midwest.Workshop cost is $25 per session. Reserva-tions can be made thru TLCA at 719-481-0475. Payment can be made by calling TLCA (719-481-0475), thru PayPal at www.trilakesarts.org, or at the door. For details and information call 719-481-0475 or visit our website at www.trilakesarts.org.

WHEN: Saturday, August 28th, 2010, at 8:00 AM. Doors open at 7:45AM.

WHERE: Tri-Lakes Center for the Arts is located at 304 Colorado Highway 105, Palmer Lake, CO 80133.

Page 17: Snippetz_Issue 460

17

SNIPPETZ® CLASSIFIED

Would you want to know years in advance that you have Al-zheimer’s disease in your fu-

ture?It’s a huge question, and getting an answer could soon become a real possibility. Sci-entists are now developing ways to pre-diagnose Alzheimer’s, as much as 10 years

PRE-DIAGNOSINGALZEIMER’S DISEASE

in advance, and they’re setting out guide-lines on just how it can be done. Following these guidelines, they say, doctors will be able not only to diagnose, but also estimate what stage the patient currently is in.Scientists predict that the minute these guidelines go into effect, the number of di-agnoses of Alzheimer’s could increase two to three times.One of the tests in the guidelines is a PET scan of the brain, where amyloid plaques, if they are there, will show up. The other is a test of spinal-fl uid proteins. These two tests, along with the standard cognitive tests, are a big step from the current meth-od of diagnosing Alzheimer’s: autopsy af-ter death.The drug manufacturers, of course, are all for it. The instant there’s a pre-Alzheimer’s diagnosis, they stand to make money --

SNIPPETZ®

CLASSIFIED6 LINES • Only $5 A Week

(minimum 5 weeks)

Call: 719-487-0484Snippetz

® Classifi ed ads will run a minimum of fi ve consecutive weeks unless otherwise ar-ranged. Classifi ed ads must be received no later than Wednesday before 12:00 pm in order to ap-pear in the following week’s issue. We reserve the right to refuse or edit ads for any reason deemed necessary.

Ads must be submitted by E-mail or U.S. Mail

E-mail: [email protected]

or

Funder Enlightening, Inc.PO Box 789

Monument, CO 80132

Visa / Mastercard / Check

HELP WANTED

HELP WANTEDPINZ is looking for new front desk and café staff. Applicants must be high school graduates and able to work nights. Prior short order cooking experience is recom-mended for the café position; prior cus-tomer service and/or retail experience is recommended for the front desk position. Please stop by to fi ll out an application.

PINZ 855 Highway 105 Palmer Lake.

EXPERIENCED COOKS NEEDEDPlease apply in person

@ Coffee Cup Café

251 Front St. Monument

QualityImport Service

Specializing inSUBARU Repairs

719.488.6729707 County Line Rd.

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there are a number of drugs in production they’d like to try.The Food and Drug Administration is be-ing cautious about those drugs, however. It wants proof that the drugs work, which will be diffi cult to determine quickly, as Alzheimer’s moves slowly over years.There’s still hope, of course, of stopping any pre-Alzheimer’s in its tracks. Research extracted from the long-term Framingham Heart Study (since 1948) indicates that exercise can go a long way to cutting the risk of Alzheimer’s. Another recent study revealed that a diet with adequate vitamin

HORSE BOARDING

AFFORDABLE HORSE BOARDINGBoarding available on 12 acres west of Monument. Barn, locked tack room, pas-ture and grass hay. $200 summer, $300 winter. Maximum of 4 horses boarded.Call Rick on 481-6660

HOUSE for RENT

HOUSE FOR RENT IN PALMER LAKE3 bedrooms / 1 3/4 baths. Family room,

wood stove, deck, fenced yard.Pets welcome.

$1,000/mo. Available August 1st.(719) 648-9462

D can cut the risk of Alzheimer’s. (Re-searchers aren’t sure, however, if vitamin D supplements will work.)For Alzheimer’s information, go online to the Alzheimer’s Association at www.alz.org or call its help line at 1-800-272-3900.

Matilda Charles regrets that she cannot person-ally answer reader questions, but will incorpo-rate 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].

(c) 2010 King Features Synd., Inc.

PALMER LAKE HOUSE FOR RENT4 Bedrooms, 2 Baths. Large Back Yard.Family Room, Living Room Dining Room/

Den Combo. New Paint & CarpetWalk to Elementary School

$1150/month - 719-660-2914

FOR SALE

FURNITURE FOR SALEAll in like-new condition: Glass top dining room table and chairs; dining room china hutch; dual-recliner sectional sofa; large executive desk; conference table & chairs; full-size bed and matching dresser – an-tique; queen-size mattress, box spring, metal frame & more. Email: [email protected] for more info & pics.

PART-TIME KENNEL HELP German Shepherd Breeder

10-15 Hours Per Week $9.50 Per Hour

Looking for Personto Commit Long Term (303) 660-9000

NEWER STUCCO RANCHERIN MONUMENT!

3 bedrooms / 2 baths / 2 car gar. Open kitchen & living room. Skylight,vaulted ceilings, ceiling fans. Backyard

opens to open space. $199,000Call Chip - (719) 291-1836

LEARN HOW TO GET A BETTER

RETURN ON YOUR MONEY

Peter D. Bille 719-338-5178 Independent Trader [email protected] www.marketmovingtraders.com

You are invited…. To join us for our next “free” seminar.

“Market Mover Trading”

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

Market Moving Traders

KARAOKE MACHINEwith CDs for sale $30

2 GAMEBOYSfor sale - $15 each

(719) 440-7572

HOUSE for SALE

BEAUTIFUL HOME FOR SALE

189,900 in the great neighborhood of Wag-on Trails. 3br.3b. 2132 area size. new el-

ementary school as well as pool, and tennis court in neighborhood. 13miles from both

airforce bases.1000 off listing price to active duty military. call Darren @ 659-4000.

THE NEXTGREAT MOMENT

By Nick Yanez

The moment is everything. In 2001 it was a backup quarterback named Tom Brady upsetting the great-

est show on turf. In 2006 it was the Colts coming from 21-3 to beat the Patriots; and Peyton Manning going on to earn his fi rst ring. In 2008 David Tyree made “The Hel-met Catch”. And last year it was an old vet-eran named Brett Favre trying to recapture the spirit of his youth, but throwing it away into the arms of a sinful Saint. Every year there is a big play, a great game, and a new champion. You can listen to the pundits talk about back-to-back titles, and three win seasons, but there’s only one way to fi nd out what will happen. Watch it.

There’s no better place than Rodz Bar & Grill. So kick it off this Sunday, August 29th, when the Denver Broncos take on the Pittsburgh Steelers in the most pivotal of Preseason games. See the starters match-up with one of the NFL’s best teams in the fi rst half. The second half will feature new Denver quarterback Tim Tebow. Will the most dominate college player of all time transition into the NFL? We will surely fi nd out.

Then the season kicks off September 12th when the Broncos take on the Jacksonville Jaguars. Get your football fi x. Rodz carries Sunday Ticket, so you can see every play of every game. It also features Broncos foot-ball every week on the biggest screen in the Tri-lakes area. There are activities and prizes to keep your football season fresh.

Don’t miss the passion, the stories, and the violence. Don’t miss the big plays and the classic games. Don’t miss the breakout stars and the wily veterans. Don’t miss the moments; they might just pass you by.

For more information on Rodz Bar & Grill’s Football fi lled Sunday, give us a call at (719) 487-7469.

THE MOMS CLUB®

Colorado Springs North Chapter will be hosting a Membership Drive/Ice Cream social on Wednseday, September 1, 2010, from 9:30 am to 11:00 pm at Fox Run Park, Come join us for Ice Cream and a morning of fun at the Park. We welcome mothers of all ages in the north Colorado Springs and Black Forest area.To RSVP - please contact Kim L. @ 719.488.9665 or check us out @www.cos-northmomsclub.com.

HOUSE for SALE

SPACIOUS LOT FOR SALEOver 1/2 acre corner lot in Monument’s

Hight Pines. Beautiful 3600 views atthe foot of Bald Mountain. Adjacent to thousands of acres of Colorado Natural

Preserve. Easy access to I-25 and FREX.Call Bill at (520) 834-7812

[email protected]

Page 18: Snippetz_Issue 460

18

SNIPPETZ® BUSINESS AND FINANCE

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

How to GenerateRetirement Income

— during Retirement Provided by Adam Grayson

of EdwardJones Investments

Like most people, you probably save and invest throughout your working years so that you’ll be

able to afford a comfortable retirement. Once you retire, you’ll want to focus on strategies to help you make the most of your retirement income — and you might want to become familiar with these ideas well before you retire.

Basically, you’ll have some “must do” moves and some “think about doing” moves. Let’s take a look at the “must do” ones fi rst:

Take the right amount of distributions from retirement plans. Once you turn 59½, you may be able to take penalty-free withdrawals, or distributions, from some of your retirement accounts, such as your traditional IRA and 401(k). But once you turn 70½, you generally must start taking distributions from these accounts. Your required minimum distribution, or RMD, is based on the previous year’s balance in your retire-ment plan and life expectancy tables. You can take more than the minimum, but you’ll want to make sure you don’t take so much that you outlive your sav-ings.

Maximize your Social Security ben-efi ts. You can start collecting Social Security as early as 62, but if you wait until your “full” retirement age, which will probably be around 66, your monthly checks will be larger. And if you wait until after your full retirement age before you start collecting ben-efi ts, your checks can be even larger, though they’ll “top off” when you turn 70. What should you do? Start taking the money as early as possible or delay payments, waiting for bigger paydays? There’s no one right answer for every-one. To get the maximum benefi ts from Social Security, you’ll need to factor in your health status, family history of longevity and other sources of retire-ment income.

Now let’s consider two moves that you may think about doing during your re-tirement years:

Purchase income-producing invest-ments. Outside your IRA and 401(k), you may have other investment ac-counts, and inside these accounts, you’ll need a portfolio that can produce income for your retirement years. You may choose to own some investment-grade bonds and certifi cates of deposit (CDs), both of which can help provide you with regular interest payments at relatively low risk to your principal. However, these investments may not help you stay ahead of infl ation, which, over a long retirement, can seriously erode your purchasing power.

Consequently, you also may want to consider dividend-producing stocks. Some of these stocks have paid, and even increased, their dividends for many years in a row, giving you a chance to obtain rising income. (Keep in mind, though, that stocks may lower or discontinue dividends at any time, and an investment in stocks will fl uctu-ate with changes in market conditions and may be worth more or less than the original investment when sold.)

Go back to work. In your retirement years, you may decide to work part time, do some consulting or even open your own business. Of course, the more earned income you take in, the less money you’ll probably need to with-draw from your investments and re-tirement accounts. However, if you’ve started collecting Social Security, any earned income you receive before your “full” retirement age will likely cause you to lose some of your benefi ts. Once you reach full retirement age, you can keep all your benefi ts, no matter how much you earn.

Keep these strategies in mind as you near retirement. They may well come in handy.

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

Check out MVEA’s redesigned website!

Some of our new features are: Search Engine Community Calendar Writable Forms FAQs

You can also sign for additional services, pay your bill online, visit the Kid’s Corner and get the latest news

about your cooperative.

So, pay us a visit at www.mvea.coop!

MVEA has a new look!

719-495-2283 • 719-775-28611-800-388-9881

LEARN ABOUT THE MARKET WITH A FREE CUP OF COFFEE.

You’re invited ...to join us at our next coffee club meeting.

Discussing current updates on the market and the economyin a relaxed, informal setting is a great way to get to knowone another. Plus, the coffee’s on us.

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

Date:Time:Place:

www.edwardjones.com Member SIPC

Adam R Grayson, AAMS®Financial Advisor.

755 Hwy 105Suite M-4Palmer Lake, CO 80133719-481-4964

August 19, 2010

9:00 a.m.Serranos Coffee Shop, 582 Highway 105, Monument, Colorado

September 16, 2010

Page 19: Snippetz_Issue 460

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SNIPPETZ® BUSINESS / COMMUNITY CALENDAR

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

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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 - Affordable - Convenient

Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

VALUE

Monument Art HopThird Thursdays of each month May through September 5:00 - 8:00 pm

The galleries, restaurants and boutiques of historic downtown Monument stay open until 8:00pm for a celebration featuring art openings and other special events. Visit www.monumentarthop.org for more information includ-ing monthly shows and events.

The Original Monument Farmer’s MarketSaturday - Monument Plaza - 6/26 thru 10/2

Sunday - Palmer Lake - 7/4 thru 10/3

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

Gateway Presbyterian Church - 731 Castle Road, Colorado Springs, CO 80904CALLING YOUTH HANDBELL RINGERS! Children in grades 5-12 who have experience ringing in a handbell choir and love to perform are invited to audi-tion for the 2010-2011 Pikes Peak Youth Ringers advanced and intermediate groups. The 15-minute open audition includes sight reading music and a short interview. Auditions are done as solos, but are open for anyone to ob-serve. Reservations are required. Location: Gateway Presbyterian Church Time: 4:00-8:00 p.m. Date: August 24 and August 26 Information: Susan Hedgpeth, (719) 233-2668; [email protected]

Wonderland Ranch Music SeriesAugust 28th - 11am to 7pm

Wonderland Ranch - Black Forest - Hodgen/VolmerCeltic/Scottish Music Festival. Wonderland Ranch is an old time private 30 acre park. Wonderlandranch.com

2010 Annual Golf ClassicEisenhower Blue Course at the USAFA

Friday, September 3, 2010 - 7 am - Registration, 8 am startThis annual event is a great opportunity to enjoy a wonderful Colorado golf venue, make new friends and renew old acquaintances. Some of our foursomes have been participating for years. It is also a great way to show your appreciation and spend the day with your key clients. The course is an 18-hole facility that features 7,301 yards of golf from the l! ongest tees for a par of 72. The course rating is 74.2 and it has a slope rating of 137. The registration fee this year is only $125 per person and includes your green fees, range balls, golf cart, lunch, golf shirts, goodie bag, prizes, and more! Download your registration form from the Chambers homepage or stop by the Chamber offi ce. Deadline for registration is August 27. Come out and enjoy a day of golf at the USAFA Blue Course.

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

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

Open House. Tri Lakes Women’s ClubThursday, September 9 - 4pm to 7pm

At the Tri Lakes Center for the Arts, 305 Hwy 105, Palmer Lake. Join us to learn about our organization, our fund-raising efforts and our many contribu-tions to the community. Wine and snacks will be provided. Call 719-650-1397.

Children’s Music/Family DaySeptember 11th - 10am to 4pm

Wonderland Ranch - Black Forest - Hodgen/VolmerLive children’s musical entertainment/workshops/games and story teller. wonderlandranch.com

All American Glass, Pottery & More Show & SaleDouglas County Events Center 500 Fairgrounds Rd., Castle Rock, CO

September 11th & 12th -10:00 Am - 4:00 PM34 of the very best antique dealers from many states plus Authors of renown Glassware Books, Randy & Debbie Coe, Show features American made home decor, glass, dinnerware and pottery of previous years spanning pre-depression, depression era, mid-century and modernism periods.Hourly door prize certifi cates, antique glass reference l! ibrary, glass identifi cation. Douglas County Events Center - 500 Fairgrounds Rd, Castle Rock, CO (Exit 181) Sept 11 & 12th 10:00AM - 4:00PM Admission $4 Free Parking

Tri Lakes Networking Team (TNT) is a dynamic women’s group September 14 - El Padrino Restaurant - 6:30 to 9pm

13425 Voyager Pkwy, Colorado Springs (719) 487-2727 “Asking For Business” Workshop / Cost: Whatever you decide to drink or eat.Join us for an evening of great food, fellowship and fun! Go to www.meetup.com/trilakesnetworkingteam to register!

HMMA Annual Chili Cook-Off and TastingSaturday, September 18

Get out your secret chili recipe, chop some chilies and fi re up the stove! Cook a pot of chili and enter the annual HMMA Chili Cook-off. Food ven-dors, music and fun for the entire family! An annual event that benefi ts lo-cal causes including the beautifi cation of Historic Downtown Monument and Tri-Lakes Cares, the Chili Cook-Off and Tasting is one of Monument’s most popular events. Community Chili Teams will Shoot It Out for Awards and Prizes. Your vote will determine the People’s Choice Awards. Chili Tasting and Baked Spuds are available along with cold craft beer from Bristol Brew-ing and HOT live music. This year the Chili Cook-off takes place at the cor-ner of Second and Front Streets in Historic Downtown Monument. For more information, please contact [email protected] Do You Dish Out a Mean Chili? Take a group of your favorite friends, co-workers, club members, relatives, poker buddies, sewing circles, etc., and mix well. Add your groups’ knowledge of the best darn chili this side of the Palmer Divide. Stir contents in Historic Downtown Monument. Entry fee is $35 per team. Call Vicki Mynhier at 719.460.4179 for more information.

Women’s Breakfast Event - Choosing To Be BeautifulSaturday, September 18 - 8:00 a.m. – 12:00 noon

Tri-Lakes Incubator - 14960 Woodcarver Rd., MonumentHow your whole image affects your attitude. Tips for dressing and acces-sorizing with style/Strategies for speaking with confi dence/Color and make-up tips to enhance your natural beauty/ How you can exude confi dence and poise/Secrets of lasting, true beautyTickets: $25.00 includes a full breakfast / $30.00 after September 8thRegistration: Online at www.CrossingYourBridge.com

Alzheimer’s Association Memory WalkAmerica the Beauti ful Park, Colorado Springs

Saturday, 9/18/2010 - 7:30am/12:00pmThe Alzheimer’s Association Memory Walk® is a 5K walk and is the nation’s largest event to raise awareness and funds for Alzheimer care, support and research - and it calls on volunteers of all ages to become champions in the fi ght against Alzheimer’s. By teaming up with the Alzheimer’s Association, you can walk with a purpose - and move us closer to a world without Alzheime! r’s. Together, we can MOVE a nation! If you’re the kind of person who’s not going to sit on the sidelines when there’s a chance to change the future, then you’re the person we need. Please register now at www.alz.org/co. Event Check-in: 7:30 am Memory Walk: 9:00 am Contact: Karen Burghart at 719.266.8773 or [email protected]

Peak Ranch Alpacas - National Alpaca Farm DaySaturday - September 25 -19850 Beacon Lite Rd., MonumentWith Contemporary Jazz Artists DOTSERO! (719-232-8509)

SnippetzCOMMUNITYCALENDAR

COMMUNITY EVENTS

www.snippetzonline.com

The part of the loan that is forgiven must be on a mortgage on a principal residence. Sorry, vacation homes and invest-ment properties do not qualify.

The amount of the mortgage debt that is forgiven can only relate to the purchase or improvement of the principal resi-dence. If you refi nanced your home to pay off credit cards, purchase a car, etc., that amount that is forgiven won’t qual-ify and will likely become taxable income to you.

The maximum amount of the phantom (debt forgiven) in-come that can be excluded is $1,000,000 for a single taxpay-er and $2,000,000 for joint fi lers. You have our sympathy if you need to exclude more than this.

You must take care that the appropriate forms are issued after the transaction.

In most instances you don’t have to worry about all these requirements if you are insolvent or bankrupt. Insolvent means your debts exceed your assets or you are unable to pay your debts as they become due. Most folks contemplat-ing a short sale are probably insolvent. However, even if you are solvent, you can take advantage of this opportunity to get out from under your over-leveraged home without painful tax consequences, but you must meet the require-ments. Of course, the better your fi nancial condition, the harder it will be for you to convince your lender to approve a short sale.

Short sales typically result in no taxable income to you if you meet all the requirements, or you are insolvent or bank-rupt. However, short sales are complicated transactions and can result in horrendous tax consequences for the unwary homeowner or person considering this option for in invest-

By Christopher C. Meyer, Ruth Bolas, and Kristina Kesselring © 2010

Recent disturbing statistics show that 30 % of the homes in our area are worth less than what is owed on the loans on those homes! Ruth Bolas and I wrote

a previous article about real estate short sales that you can fi nd on the Snippetz website archive. We thought it would be helpful to expand on the short-sale subject by comment-ing on tax consequences, so we brought in our tax expert, Kristina Kesselring, CPA.

Whether you are involved in a divorce, or are just struggling to keep up with your monthly house payments, if you are thinking about a short sale as a way to get out from under your house and the mortgage, you must be aware of possible tax consequences.

It used to be that the amount of the loan that was forgiven in a short sale became taxable income to the seller. Talk about adding insult to injury! If John and Mary sold their house for $50,000 less than the mortgage amount, they would get an IRS form 1099 from the lender showing that they re-ceived $50,000 in income from the transaction! The amount of the debt forgiven (not paid back) was taxable income to the borrower.

Thanks to the anemic state of the economy, recent legisla-tion and regulations eliminate the tax on this phantom in-come. The catch is that certain requirements apply.

SHORT SALE OF THE HOME – TAX CONSEQUENCES

Hodgen Road and Roller Coaster Road. 719 481-6157. More details cal! l Michael Couillard 719 651-7722

At the Tri Lakes Center for the Arts, 305 Hwy 105, Palmer Lake. Join us to learn about our organization, our fund-raising efforts and our many contribu-tions to the community. Wine and snacks will be provided. Call 719-650-1397.

The part of the loan that is forgiven must be on a mortgage

IT’STHELAW!

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

ment property. At a minimum, you should consult with a real estate broker who has expertise in these transactions as well as a tax expert.

A short sale can be an effective damage control device for homeowners, but it requires patience, knowledge, and ex-pertise.

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 licensed to practice law in Colorado, Florida, California and Wisconsin. Chris can be contacted at 719-488-9395. Chris’s website www.cmeyer-law.com has additional divorce and family law information and many other articles.

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

Kristina Kesselring is a licensed Certifi ed Public Accoun-tant in the state of Colorado. She has more than 15 years experience in small to mid-sized business accounting and management. She specializes in tax debt negotiation, bank-ruptcy and divorce accounting, business planning and taxa-tion. Kristina Kesselring can be reached at [email protected] or 719-290-9871.

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