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Ellis Island... Continued on Page 2

SNIPPETZ SAILS TO THE THRESHOLD FOR IMMIGRATION: ELLIS ISLAND

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“Remember, remember always that all of us, and you and I especially, are descended from immigrants and revolu-tionists.” - Franklin D. Roosevelt

One day after it opened Jan. 2, 1892, a 15-year-old Irish girl, Annie Moore, became the fi rst immigrant processed at Ellis Island. From

1892 to 1954, more than 12 million immigrants en-tered the U.S. through Ellis Island, a small island in the New York Harbor with the Statue of Liberty towering above. The historical entry way to the U.S. went from its original 3.3 acres to 27.5 acres over the course of its time.

FORT GIBSONWhen the island was just a spot of sand, barely visible dur-ing high tide, Native American tribes called it the Kioshk or Gull Island. When the Dutch and English arrived and discovered an abundance of oyster beds on the island, they named the area Oyster Island.

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Ellis Island...Continued from Page 1

2

ALL RIGHTS RESERVED © 2010

PUBLISHED BYFUNDER ENLIGHTENING, INC.

George Wilkins - PublisherPO Box 789 Monument, CO, 80132

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

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NEXT WEEKIN SNIPPETZ

FEATURE ARTICLES

Strange But True... 4

Tai Yi - “Being Thankful - part 2”... 5

Nick’s Sports Snippetz... 6

Moments In Time... 8

“Holidays Are No Time To Hibernate”Senior News Line... 12

REAL ESTATE“15 Ways to Add Curb Appeal Part 1 of 3”

Robyn’s Real Estate Rap... 7

COMMUNITY CALENDAR 9

SANTA’S SAVERSHOLIDAY SECTION

The Question of Santa Claus... 11

CLASSIFIED PAGE 12GREAT BARGAINSFind Your Treasure!

Business / Employment Opportunities

HEALTH“Coumadin Is Effective but

Bothersome Drug” - To Your Good Health... 13

THE DINING GUIDE“Fruitcake Gets the Respect if Deserves”

The Kitchen Diva... 15

PUZZLES, TRIVIA,ENTERTAINMENT 16-17

Trivia Test • Sports Quiz • Flash BackSuper Crossword • Weekly Sudoku

Couch Theater DVD PreviewsHuey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

BUSINESS, FINANCE & LAW“Consider Establishing a Business

Retirement Plan” - Financial Focus ... 18

“Business Plans: Recipe forBusiness Success” -

The Law According to Stevens... 19

“Getting A Handle on Holiday Debt”Dollars and Sense... 19

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Ellis Island...Continued on Page 3

THIS WEEKIN SNIPPETZ

SNIPPETZ APPRECIATESCHRISTMAS LITERATURE

Before Samuel Ellis bought the island in the 1770s, the island had been called by many different names. After Ellis died, it served multiple purposes. The island had been a site for hanging pirates, a harbor fort and an ammunition and ordinance de-pot known as Fort Gibson.

The latter was established when British fl eets found easy access to the New York Harbor, which they occupied during the Revolutionary War. In 1808, U.S. govern-ment offi cials had determined a need to de-fend coastal areas so they negotiated with the state of New York to purchase Ellis Is-land, where they set up a fort named after an offi cer by the name of Gibson, who was killed during the War of 1812.

EARLY MIGRATIONPrior to 1890, the states regulated immigra-tion as opposed to the federal government. A former New York fort – Castle Garden – had been serving as a major port of entry in New York for immigrants. But immigrants began arriving in droves during the latter half of the 19th century, sparking the larg-est mass of human migration in history. Castle Garden was not prepared to handle the growing number of people seeking freedom from Europe’s restrictive religious laws, poor economic conditions and politi-cal unrest. New York was simply unable to handle the hordes of immigrants.

The federal government put on its Super-man hat and to save the state of New York, built a new immigration station on Ellis Is-land. Under the auspices of President Ben-jamin Harris, the fi rst federally operated immigration station had been established.

Five years later, June 14, 1897, a fi re broke out on Ellis Island and burned the immi-gration station – made of Georgia pine – to the ground. No lives were lost, but immi-gration records dating back to 1855 were. The feds reconstructed the immigration station under the condition that all struc-tures would be fi reproof.

MONEY CANBUY HAPPINESS

It seems like the distinction between the wealthy and not so wealthy has deep roots. When they took over the ship, so to speak, the federal government adopted a policy that immigrants with fi rst or second class passenger status did not have to go through the inspection process at Ellis Island. In-

stead, those passengers were inspected on board the ship. The argument for the prac-tice was that a person who could afford a fi rst or second class ticket would be less likely to become a burden on the states. The affl uent, of course, would not frequent institutions or hospitals or become a chal-lenge to the legal system. The wealthy were welcomed with open arms.

But – if they were ill or had legal problems, they, too, were subjected to further inspec-tion at Ellis Island.

The “lower class” immigrants were the third class passengers. Referred to as “steerage,” third class passengers traveled in crowded and sometimes unsanitary con-ditions close to the bottom of the steam-ships. They weren’t privy to above-board accommodations, and many spent the jour-ney seasick in their bunks.

When the boats arrived in New York City, the fi rst and second class passengers passed through Customs at the docks and handily entered the U.S. Third class passengers were transported by ferry or barge to Ellis Island for medical and legal inspections.

The Ellis Island inspection process lasted from three to fi ve hours, if the new immi-grant was fairly healthy and their papers were in order.

Not everyone gained entry. Ellis Island had occasionally been referenced as the “Island of Tears” for those who had been turned away. Two percent of the immigrants were excluded from entering the U.S. mainly because they had a contagious disease or were likely to become a burden on society or an illegal contract laborer.

THE BEGINNINGOF THE END

In 1907, more people had migrated to the U.S. than at any other time. About 1.25 million immigrants were processed at Ellis Island that year. Between 1900 and 1915, the building industry boomed, trying to keep up with the infl ux of people.

When the U.S. became involved in World War 1, immigration to the U.S. signifi cant-ly decreased. Instead, Ellis Island became a sort of prison for suspected enemies who had been living throughout the U.S.

Between 1918 and 1919, the suspects or detainees were transferred to other U.S. locations so the U.S. Navy and the Army’s medical division could inspect immigrants on board the ships or docks. In 1920, El-lis Island returned to full operations as an immigrant receiving station, processing 225,206 immigrants that year.

From 1880 to 1924, migration to America was at its height. As the numbers soared, politicians and some of their constituents began demanding immigrant restrictions. If some think modern U.S. immigration laws are discriminating, the laws established in the 19th and 20th centuries were blatantly prejudice. The Chinese Exclusion Act, the Alien Contract Labor Law and a literacy test were instituted during that time. The passage of the Quota Law and the Na-

SNIPPETZ SAILS TO THE THRESHOLD FOR IMMIGRATION: ELLIS ISLAND

3

SNIPPETZ®


Ellis Island... Continued from Page 2

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tional Origins Act were percentage-based attempts to favor immigrants from cer-tain areas of Europe and exclude all non-European immigrants. It was believed that immigrants from northern and western Eu-rope, where many of the early settlers mi-grated from, were superior to immigrants from southern and eastern Europe.

After World War I ended in 1918, U.S. em-bassies were established all over the world. Potential immigrants to the U.S. applied in their home countries at American consul-ates, and medical inspections took place there as well. Ellis Island became a hub for war refugees and displaced persons. The island remained open through November 1954 as a holding place for enemy mer-chant seamen and eventually a training site for the U.S. Coast Guard.

LAST, BUT NOT LEASTIn 1954, Arne Peterssen, a Norwegian mer-chant seaman, was the last person to pass through Ellis Island.

In 1965, President Lyndon Johnson desig-nated Ellis Island as part of the Statue of Liberty National Monument. In 1984, Ellis Island went through a colossal restoration – $160 million worth, funded by donations.The Ellis Island Immigration Museum of-fers a variety of activities, from video doc-umentaries to free tours to reenactments of immigrant hearings.

Almost two million people visit the island every year.

ISLAND TRIVIA • When Samuel Ellis purchased the island in the 1770s, he built a tavern that catered

to local fi shermen.

• Ellis Island has always been considered a part of New York City, but about 80 percent of the island is in New Jersey.

• Some believe that offi cials at Ellis Island changed the names of immigrants entering the U.S. In reality, they tried to retain the original spelling of the immigrants’ last names.

• To add to the acreage at Ellis Island in its early years, landfi ll from New York City subway tunnels and other areas was used to create two new islands, which housed hos-pital administration, a hospital contagious disease ward and a psychiatric ward.

• Some of the steamship companies that played a huge role in the history of Ellis Is-land immigrants were the White Star, Red Star, Cunard and Hamburg-America.

• Recruiters offered contract labor agree-ments to potential immigrants and U.S. Railroad companies advertised inexpensive farm land. Hungarians, the Polish and Ital-ians were among the immigrants who went to coal mines or steel mills. The Greek people preferred textile mills.

• In 1907, the S.S. Baltic arrived at Ellis Island with 1,000 single female passengers looking for a husband. Many of the women immediately chose a husband and were married on the island.

• By 1910, about 70 percent of the Ellis Island immigrants were Europeans, but many came from Arab lands ruled by the Ottoman Empire. With the passage of the National Origins Act, Arab immigration ended in 1924 and resurged when the act was repealed in 1965.

• By 1932, during the Great Depression, more immigrants left the country than ar-rived.

• About one-half of today’s U.S. popula-tion has at least one ancestor who came through Ellis Island.

4

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• It was 20th-century British author and Anglican priest William Ralph Inge who made the following sage observation: “Events in the past may be roughly divided into those which probably never happened and those which do not matter.”

• Consider your age, then consider the following snippet: In the 1700s, the average human lifespan was about 30 years. Sobering thought, isn’t it?

• According to a survey conducted by the Pew Research Center, the home appliances Americans con-sider to be the most essential are clothes washers and dryers, fol-lowed by air conditioners. Obvi-ously, the majority of the survey’s respondents weren’t residents of Florida or Texas.

• Historians report that Napoleon Bonaparte, when he wasn’t busy

conquering, enjoyed ice skating. • If you’re frightened of bugs, you might not want to know the follow-ing snippet: There are 10 quintillion insects alive on the planet. • A study published in 2008 showed that the price of a pain medication had an effect on its effi cacy. In the study people were given placebo pills, some at the regular price and some at a discounted price. Those who paid full price for the medica-tion reported more relief than those who paid less. • Half of all cookies baked in the United States are of the chocolate-chip variety. • If you’re planning to be in the San Francisco area in June, you might want to plan a stop in the nearby town of Petaluma for the Sonoma-Marin Fair. This is where the com-petition to determine the world’s ugliest dog is held every year. In addition to earning bragging rights, the owner of the winning pooch is awarded a prize of $1,000.

***

Thought for the Day: “The most incomprehensible thing about the world is that it is at all comprehen-sible.” -- Albert Einstein

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Comparing self to others is a sure way to keep that false belief that one needs approval in order to live a full life. When one compares self to oth-ers, he or she continues the thought pattern of inadequacy. “I need to earn a certain income to be fulfi lled.” A person may silently say, “I need particular social status and material items to be approved within my fam-ily/social/professional unit.” These thought patterns continue a cycle of disempowerment, even to a point where it is no longer recognized.

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TAI YI-BEING THANKFUL

Part 2 of 2

knowingness, or an ability. Perhaps one has successfully set a relation-ship or professional boundary or has created a goal in life. It is important for the person to recognize what has been created in order to own it. When it is owned, no one and nothing can take it away.

In addition, one needs to own his or her pain that leads to a continua-tion of disempowerment in order to own the healing process. When it is not owned, it cannot be healed. Only the person who is in pain can heal it and as long as someone else ‘owns’ it, it cannot be healed. When blame or comparison of others is present, someone else owns the pain. When one consistently looks for reasons as to why something failed, was not owned, was not created, or why one is not good enough already, he or she can look at emotions of failure.

A Tai Yi treatment called Emotions of Failure can assist. ‘Emotions of failure’ is a pattern because the per-son has formed an addiction to fail-ure or the results of failure. ‘Life is a struggle’ keeps one in a high beta brain wave. The person always justi-fi es failure and blame. This treatment assists ones to become aware of emo-tions of failure and who continue to fail at whatever that one is attempt-ing to do or pretend to heal. This will bring into awareness the origin of a pattern and that one can experience a release.

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SportsSnippetz

byNick Yanez

There you are in the woods. You’ve been hiking for hours, traveled sev-eral miles, and the sun is falling

down, unable to further guide you through the tangle of trees and brush. You need wa-ter, but you hear not the trickle of a stream. As the day turns to dusk, you exceed de-nial, accepting the unfortunate fact that you are lost. Then, just at the very edge of the horizon, over the hill and past the val-ley, you see civilization. Adrenaline kicks in, and you’re running. No longer are you weary, no longer does the thirst consume your being. You arrive in a strange place, a village carved within the wilderness. It’s a place you don’t recognize; there are new faces, new names, and new concepts. There is so much to learn…

AMIDST NEW FACESFall sports have come to an end. For the Lewis-Palmer and Palmer Ridge, it comes bitter-sweet. Fall teams made improve-ments from last year, remaining in conten-tion well into the post-season. It’s good to see this happen. However, winter and spring sports linger, and that’s where both schools hope to grab a few State Titles. There are some new names to learn, as new star payers and power-house teams will surely rise.

Basketball season is in full swing, and Lewis-Palmer hopes to improve upon a dominating 21-6 record from last year. The team lost 64-52 to eventual State Cham-

pion Sierra, in the 4A Final Four last year. The Rangers have started their season at .500 early on. They appear balanced on both sides of the ball, and have an early player-to-watch in Josh Scott. He leads the team in Scor-ing, Steals, and Blocks (after leading the team with 41 last year) after the fi rst couple of games. Assists leader Tyler Owens hopes to help Scott, as the Rangers try to get over the hump in what should be an exciting season.

You can see Lewis-Palmer take on Pueblo West at home on Tuesday, December 14th, as well as a huge home grudge match lat-er this season against the defending State Champs on a Friday Night, February 11th. It will be Lewis-Palmers 3rd meeting with Sierra in the last 12 months. They haven’t beaten them since a decisive 74-52 victory on February 12th, 2009. Time for a little revenge?

PATIENCE IS A VIRTUEAs the Schools get set to go on break, the athletic program takes its rest. Other than basketball, no other sport is currently being played by either school. Upon returning from the holidays, the schools will begin Ice Hockey (defending a State Champi-onship), Swimming/Dive (also defending champs), Baseball, and Girls Soccer. All the teams look promising, and should be watched down the stretch. But for now the student-athletes rest, and therefore, so will we; but rather rest in a jungle of faces un-known, we nestle in our homes, with our loved ones, in all familiar places… have a Happy Holidays everyone.

Look for The Year in Review edition of Sports Snippetz on December 27th.

If you have any questions, comments, or ideas for Sports Snippetz, contact Nick anytime at [email protected]

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Monument, CO, December 8, 2010: Dur-ing the weekly Senior Meals luncheon which is sponsored by Tri-Lakes Health Advocacy Partnership, HAP Board presi-dent, Mark Ennis, announced the receipt of a $5,000 Mountain View Electric Associa-tion Operation Round-Up grant. Ennis re-marked, “The MVEA grant is provided to support these weekly meals and is hugely important for HAP because it ensures our ability to continue this weekly program of providing nutritious, low-cost meals to nearly 40 area seniors.” Dave Betzler, the HAP Board director who wrote the MVEA grant application thanked MVEA’s Opera-tion Round-Up coordinator, Judith Kinsel

“...for being such a positive advocate of this community support grant program.”

Ennis, who is also president of Access Construction, added that the MVEA grant comes to HAP after a surprising twist. He related the story of a “Good Samaritan” who intervened when the check suddenly disappeared. “In our recent offi ce reloca-tion, the $5,000 MVEA check blew out of a vehicle in the Air Academy Credit Union parking lot. It took several days for me to realize I could not fi nd the check. I called MVEA to explain what happened and sheepishly explained to Judith Kinsel that I had lost their much-needed check to HAP. Judith replied, “Oh good; it’s not a problem.” Mark continued, “I was very pleasantly dumb-struck and asked why it is ‘good.’ Judith explained that a Good Samaritan, Joe Dowdy of Monument, had

found the check in the parking lot and mailed it back to her at MVEA and she had just received it.” Mark concluded the story, “I immediately drove out to MVEA, got the check a second time—and yes, I im-mediately deposited it.” As a postscript, the MVEA Board sent a gift certifi cate to Joe Dowdy, the “Good Samaritan.”

The Health Advocacy Partnership’s Senior Meals program is a partnership with Lew-is-Palmer School District 38, and is sup-ported by volunteers from the Tri-Lakes United Methodist Church. The weekly luncheon for senior citizens is offered ev-ery Wednesday at 11:30 AM in Monument at the School District 38 Administration building. It is one of several community health and wellness programs sponsored by HAP.

Mountain View Electric Association’s

Operation Round-Up was formed to as-sist non-profi t organizations, communities with special needs and individuals who have suffered from personal disasters such as a fi re, tornado or medical emergencies.Tri-Lakes Health Advocacy Partnership was established in 1996 as a non-profi t organization serving Monument, Palmer Lake, Woodmoor, Gleneagle, and unincor-porated areas of north El Paso County. The mission of HAP is to improve the health and well-being of the Tri-Lakes communi-ty through community based services and support.


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Join us December 18th 10-4pm for ourChristmas Sale & Free Gift Wrapping

Article by Robyn GrahamKeller Williams

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15 Ways to Add Curb AppealPart 1 of 3

LIBRARY OF ALL PAST ARTICLES: www.SpringsRealtyTalk.comFor further information, please feel free to call Robyn Graham at Keller

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Assume most buyers have novisualization skills. Often buyerswon't take a second look at ahouse if the first look doesn'tappeal to them. Home buyerswho can visualize changes, andare prepared to make them,expect you to reduce the price ofthe house to compensate for thework they plan to do. SO, addingCurb Appeal can ultimately earnyou much more profit from yourhome sale.

If money is tight (as it is withmany folks in this economy),you'll find that there's a solutionto most problems-one that letsyou stay within your budget.Make a grand entryMolding acts like an architecturaleyeliner when applied to thesides and top of the doorway.Notice how the white door casingmakes this door pop.Create symmetrySymmetry is not only pleasing tothe eye, it's also the simplest toarrange. Symmetrical composi-tions of light fixtures and front-door accents create welcomingentryways.Dress up the front doorYour home's front entry is the

focal point of its curb appeal.Make a statement by givingyour front door a blast of colorwith paint or by installing acustom wood door. Clean offany dirty spots around theknob, and use metal polish onthe door fixtures. Your entryshould also reflect the home'sinterior, so choose a swag ora wreath that reflects yourpersonal style.Replace old hardwareReplace a plain doorknobhardware with somethingmore attractive. If new hard-ware is beyond your budget,repaint or stain the door andpolish the hardware?House numbers, the entrydoor lockset, a wall-mountedmailbox, and an overheadlight fixture are all elementsthat can add style and interestto your home's exterior. Makesure these items match orcompliment each other. Oiled-bronze finishes suit traditionalhomes, while brushed nickelsuits the more contemporary.

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• On Dec. 19, 1732, Benjamin Franklin of Philadelphia fi rst publishes “Poor Rich-ard’s Almanack.” The book, fi lled with proverbs preaching industry and prudence, was published continuously for 25 years and became one of the most popular publi-cations in colonial America, selling an av-erage of 10,000 copies a year.

• On Dec. 17, 1843, Charles Dickens’ classic story “A Christmas Carol” is pub-lished. When Dickens’ father was thrown into debtors’ prison in 1824, 12-year-old Charles was sent to work in a factory. The miserable treatment of children and the in-stitution of the debtors’ jail became topics of several of Dickens’ novels.

• On Dec. 18, 1886, the often-controversial baseball legend Ty Cobb is born in Nar-rows, Ga. In 1911, he led the league in eight offensive categories, including bat-ting (.420), slugging percentage (.621), hits (248), doubles (47), triples (24), runs (147), RBI (144) and steals (83), and won the fi rst American League MVP award.

• On Dec. 13, 1915, detective novelist Ken-neth Millar, better known by his nom de plume Ross Macdonald, was born in Los Gatos, Calif. He wrote 24 mystery novels, 20 of them featuring detective Lew Archer, who fi rst appeared in “The Moving Target” (1949).

• On Dec. 14, 1977, the fi lm “Saturday Night Fever” had its world premiere at Mann’s Chinese Theater in Los Angeles. Four No. 1 pop hits were launched by the movie’s landmark soundtrack album, in-cluding “How Deep Is Your Love.”

• On Dec. 15, 1944, legendary band-leader Glenn Miller (also a captain in the U.S Army Air Force) disappears over the English Channel en route to France for a congratulatory performance for American troops who had recently helped to liberate Paris. The wreckage of Miller’s plane was never found.

• On Dec. 16, 1989, federal Judge Robert Vance is instantly killed by a powerful ex-plosion after opening a package mailed to his house near Birmingham, Ala. In June 1991, a federal jury convicted Walter Le-Roy Moody on charges related to the bombings and sentenced him to seven life terms plus 400 years in prison.


9


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BUSINESS NETWORK INTERNATIONAL (BNI)Every Wednesday

Inn at Palmer DivideWhy not join the Showcase Chapter of Business Network international right here in your own Tri-lakes region? BNI is the largest “Givers Gain” business networking associa-tion in the world. This chapter routinely passes more than $1/4 million plus business within its’ members and we’re growing. Only one of a “type” of business permitted so you and your business have a monopoly! Your “reach” for giving and receiving business can extend to the whole of Colorado and since we are so active, well organized and positive you can be assured of success! Call either Present Dr Kathy Yuhasz BA, DC, LAc. 719-594-9700 or PR Coordinator Roberta Brunner CCHt., 719-321-9600 to fi nd out if your business qualifi es and for an invite to a breakfast meeting on Wednesdays at the Inn at Palmer Divide.

FAME! - FIBER ARTS MONDAY EVENINGSEvery Monday Evening - 6pm - 9pm

Speedtrap Coffee Bar,84 Hwy. 105, Palmer LakeKNITTING, CROCHETING, WEAVING,QUILTING, RUG HOOKING, ETC. Opportunity to work on projects, learn and share new ideas and techniques. EVERYONE WEL-COME! Info: Cindy Allen, 481-2020

SANTA CLAUS AT RETROSPECT DRY GOODSRetrospect Dry Goods in Front Street Square

Historic Downtown MonumentSaturday, Dec. 11th - Friday, Dec. 17th

Saturday, Dec. 18th - 1:00pm to 5:00pmCome sit on Santa’s lap and tell him your wish for Christ-mas morning in a nostalgic setting at Retrospect Dry Goods! Professional photographer, and treats for the kids.

2ND ANNUAL GLENEAGLE FESTIVAL OF LIGHTS HAY RIDESaturday, Dec. 11th 5PM - 8PM

Gleneagle Golf Club 345 Mission Hill Way 488-0900Sponsored by Gleneagle Golf Club, Gleneagle Women’s Club, Boy Scout Troop 194, Gleneagle Civic Association & Gleneagle Sertoma. All homes bordering the golf course have been asked to decorate, if needed with the help of Troop 194, the backs of their homes. On Dec. 11th we will take folks around on trailers fi lled with hay to see the beauty. (weather permitting) Last year was just beautiful, almost magical with music & lights. There will be a light chili supper in the club house, the bar will be open for drinks, coffee & hot chocolate and Gleneagle Women’s Club will donate dozens & dozens of baked cookies to the event. Santa will be roaming around for those who may want to talk a minute.

TRI-LAKES CENTER FOR THE ARTS CONCERT SERIES PRESENTS A BLUES CHRISTMAS

Saturday, December 11, 2010, at 7:00 pm. Doors open at 6:00 pm. Tri-Lakes Center for the Arts is located at304 Highway 105, Palmer Lake, CO 80133.

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The Tri-Lakes Center for the Arts (TLCA) concert series invites you to another great performance in the intimate concert setting of the Center for the Arts. This concert, fea-turing two of the area’s outstanding blues bands, is a ben-efi t for TLCA and Tri-Lakes Cares. Admission is $10.00 and two canned goods. Purchase at TLCA (719-481-0475) in Palmer Lake, thru PayPal at www.trilakesarts.org, or at the door. For concert and purchase information call 719-481-0475 or visit our website at www.trilakesarts.org. Pinecrest Event Center’s world famous barbecue will be available, as well as a cash bar.

77TH ANNUAL YULE LOG HUNTSunday, December 12th 2010 1:00 P.M

Palmer Lake Town Hall

BLOOD DRIVEWednesday, December 15th 9:00am-1:00pm

Lewis-Palmer Middle School GymnasiumTo schedule an appointment call Tom Barrett at 488-4776; walk-ins welcome

HOLIDAY CONCERTDec. 17, 2010 - Location: The Pinery

Musical selections performed by an ensemble from the Colorado Youth Symphony Orchestra. BONUS: Continued sale of the Tri-Lakes Women’s Club’s Classic Colorado Col-lection 2010 ornament. The artist will be present. RSVP: Charlie Ann Hayes, [email protected], 481-9693 or Maureen Kral, [email protected], 282-0164. Mem-bership is open to all women living in School District 38 and the luncheons are open to all current TLWC members and their guests. The club sponsors the Wine and Roses event November 5th, and the Pine Forest Antique and Garden Show and Sale April 30th-May1st. Proceeds from these events benefi t local nonprofi t groups. Visit www.tlwc.net or contact Judy Crusius, [email protected], 481-1994; or Barb Dienes, [email protected], 487-7392.

LET’S GET UP AND DANCE!Friday, Jan. 21, 2011 - The Pinery

No sitting this one out. Put on your dancing shoes and join Marc and Helen Sabin, line dance instructors from the United States Air Force Academy, for a line dancing demonstration and lesson. The Pinery has lots of room to maneuver and the best part about line dancing - no partner needed! RSVP: Charlie Ann Hayes, [email protected], 481-9693 or Maureen Kral, [email protected], 282-0164. Membership is open to all women living in School District 38 and the luncheons are open to all cur-rent TLWC members and their guests. The club sponsors the Wine and Roses event November 5th, and the Pine Forest Antique and Garden Show and Sale April 30th-May1st. Proceeds from these events benefi t local non-profi t groups. Visit www.tlwc.net or contact Judy Crusius, [email protected], 481-1994; or Barb Dienes, [email protected], 487-7392.

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I am 8 years old. Some of my friends say there is no Santa Claus. Papa says, “If you see it in The Sun, it’s so.”

Please tell me the truth, is there a Santa Claus?

— Virginia O’Hanlon

“Virginia, your little friends are wrong. They have been affected by the scepticism of a sceptical age. They do not believe except for what they see. They think that nothing can be which is not com-prehensible by their little minds. All minds, Virginia, whether they be men’s or children’s, are little. In this great universe of ours, man is a mere insect, an ant, in his intellect as compared with

continued on Page 11...

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the boundless world about him, as measured by the intelligence capable of grasping the whole of truth and knowledge.

“Yes, Virginia,there is a Santa Claus.

“He exists as certainly as love and generosity and devotion exist, and you know that they abound and give to your life its highest beauty and joy. Alas! how dreary would be the world if there were no Santa Claus! It would be as dreary as if there were no Virgin-ias. There would be no childlike faith then, no poetry, no romance to make tolerable this existence. We should have no enjoyment, except in sense and sight. The ex-ternal light with which childhood fills the world would be extin-guished.

“Not believe in Santa Claus! You might as well not believe in fair-ies. You might get your papa to hire men to watch in all the chim-neys on Christmas eve to catch Santa Claus, but even if you did not see Santa Claus coming down, what would that prove? Nobody sees Santa Claus, but that is no sign that there is no Santa Claus. The most real things in the world

are those that neither children nor men can see. Did you ever see fairies dancing on the lawn? Of course not, but that’s no proof that they are not there. Nobody can conceive or imagine all the won-ders there are unseen and unsee-able in the world.

“You tear apart the baby’s rattle and see what makes the noise in-side, but there is a veil covering the unseen world which not the strongest man, nor even the united strength of all the strongest men that ever lived could tear apart.

Only faith, poetry, love, romance, can push aside that curtain and view and picture the supernal beauty and glory beyond. Is it all real? Ah, Virginia, in all this world there is nothing else real and abid-ing.

“No Santa Claus? Thank God he lives and lives forever. A thousand years from now, Virginia, nay, 10 times 10,000 years from now, he will continue to make glad the heart of childhood.

“Merry Christmas

and a Happy New Year!”

12

SNIPPETZ® CLASSIFIED / HEALTH

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Lack of nearby relatives to share the holiday joy, cold weather, lack of money to attend special events, memories of happier times ... all of these and more can make us just want to hibernate through the season.

But we need to get out and be among others, especially now!

Grab your calendar and a pen. Look through the newspaper and see what events catch your eye, especially the free ones such as holiday-theme concerts and art shows. Mark them on your calendar.

Call the senior center and ask what’s going on there this month. Put those

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events on your calendar. If they’re holding a special holiday meal, sign up. Better yet, volunteer to help cook or set up, too. You’ll meet lots of people, some you might wish to see again after the holidays.

Is a local group doing a toy drive? Call them and volunteer to help sort toys into age-appropriate groups. (For a real eye-opener when it comes to gratitude, try to be there the day the parents come to pick up the box-es of gifts for their children.)

Call the hospital’s volunteer offi ce and ask if it’s holding a special party for children who are patients. Can you help pass out cookies or gifts? Fill in for a non-medical position when people are on vacation, such as answering the phones at the front

desk?Do you see the pattern here? The idea is to fi ll your calendar with places to go and things to do at least three days a week, if not more, and they all involve doing things to help and be with others.

But beware: After the holidays you might be asked to volunteer on a per-manent basis!

Matilda Charles regrets that she can-not personally answer reader ques-tions, 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].


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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

APARTMENT for RENT

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550 Highway 105Monument, CO 80132Wednesday Afternoons

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COUMADIN ISEFFECTIVE BUT

BOTHERSOME DRUGDEAR DR. DONOHUE: For the past eight months, I have had a heart rhythm problem. I am on Coumadin. One day I forgot I had taken it and took another dose. My blood test showed that I had taken far too much. You wrote about ablation being a treatment for rhythm problems. Would it benefi t me, and could I go off Coumadin? -- W.K.

ANSWER: I’m sure your rhythm problem is atrial fi brillation, a common and serious heartbeat disturbance where the heart beats rapidly and irregularly. One consequence is a drop-off in the amount of blood pumped by the heart. The second, and the more dangerous consequence, is the formation of clots in the upper heart chambers be-cause blood in those chambers isn’t mov-ing -- stagnant blood forms clots. Clots in the heart can be swept into the circulation and to the brain, where they block a brain artery. The result is a stroke. Coumadin prevents those clots from forming.

Many times, the goal in treating atrial fi -brillation is only to slow the heart so that it pumps out an adequate blood supply.

Are there other ways of dealing with this rhythm problem? Yes. Ablation is one. It involves eliminating the heart tissue gen-erating the abnormal rhythm. It’s done by inserting a thin tube that’s outfi tted to de-liver radio waves to the specifi c heart sites from which the abnormal beating arises. Does it sound simple to you? It isn’t. It’s very intensive work, and requires special training. Generally, ablation is restricted to those younger than you, but not always.

I’m on your side when it comes to taking Coumadin. It’s a bothersome drug, requir-ing frequent blood tests to be sure that enough drug is taken but not too much. Too much poses the danger of bleeding.

Talk with your doctor about having a con-sultation for ablation. The doctor might side with you, or tell you that you’re not a candidate for the procedure. At least you’ll have the satisfaction of having tried.

The booklet on heartbeat abnormalities, in-cluding atrial fi brillation, discusses them, their signifi cance and their treatment. Readers can obtain a copy by writing: Dr. Donohue -- No. 107W, Box 536475, Or-lando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery.

***

DEAR DR. DONOHUE: I think my hus-band is an alcoholic. He drinks far too much. He’s not abusive, but his consump-tion of alcohol is more than a six-pack of beer a day, and sometimes whiskey. He usually falls asleep in a chair. My sister tells me the cage test can diagnose alco-holism. What is it, and where can he get it

done? He won’t talk about these things to me. -- C.L.

ANSWER: It’s not a lab test. It’s four questions. They are: 1. Have you ever felt the need to cut down on your drinking? 2. Are you annoyed when people criticize your drinking? 3. Do you ever feel guilty about your drinking? 4. Have you ever tak-en a drink fi rst thing in the morning as an eye-opener?

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M-F 10-7, Sat 10-5, Sun by Appt

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JOIN US FOR OUR FIRST ANNUAL HOLIDAY PARTYFriday, December 17th 4:20PM- 9:00PM

Live Music, Food, Giveaways and Gift s!

MILE HIGH HOLISTICS

Two “yes” answers indicate alcoholism. It’s a simple but reliable test.

***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

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SNIPPETZ® DINING GUIDE

Coffee Cup Café251 Front Street, Monument 6 am - 3 pm 7 days a week!

www.coffeecupmonument.com(719) 488-0663

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Tues - Sun : 11:00AM - 5:00PMClosed Monday

15

FRUITCAKE GETS THERESPECT IT DESERVES

Mary Beth Frezon is the founder of The Society for the Protection and Preservation of Fruitcake. Her love for fruitcake is so passionate that she

not only created the society, she has a webpage devoted to the much-maligned dessert. Here’s her advice to closet fruitcake lovers, and a recipe for Easy Fruit Cake that just might make you want to become a member of her club!

Who are you, and what do you do when you’re not de-fending fruitcake?I’m just a person who likes fruitcake and makes it on a regular basis and enjoys the communication possible on the web. When I’m not making and promoting fruitcake, I make quilts and I mess around with web stuff and Macs. I like baking bread and other things. And of course I sa-vor a good fruitcake with a good beverage on cold winter nights.

Why did you found the society, and when?The society was founded sometime around 1999. I was working for a webpage hosting company and must have mentioned to my co-workers that it was the weekend to make fruitcake. Much abuse and derision followed. What could I do but create a webpage in response? I added some links to other pages and my own recipe, and suddenly peo-ple were asking for recipes and wanting more info.

What’s the purpose of the society?The society’s goal is to protect and preserve fruitcake, not in the pouring on more brandy or rum type of preservation, but in the ‘spread the gospel’ way. By providing informa-tion and links about fruitcake, it’s hoped we can provide safe haven for fruitcake lovers and some encouragement for others to give it a try.

What’s the correct response when someone makes fun of me for liking fruitcake?Perhaps the best response is to offer the person a slice of good fruitcake. Or you could try not sharing your fruitcake with them -- sometimes we want what we cannot have, after all.

What’s the correct response when someone gives me a fruitcake as a gift?Unless it’s the sort of fruitcake you get for $1 each at your local Stop and Shop, you should be honored by the gift.

Slice thin, serve with a good beverage and enjoy, prefer-ably on a cold winter night.

What’s all the interest in fruitcake, and why should I care?I think there’s a lot of interest because of the disparity be-tween corny fruitcake jokes and serious fruitcake fanciers. It’s easy to take potshots at fruitcakes. It’s not so easy to make good ones.

What is that green stuff in fruitcakes anyway?There are two things that are green in fruitcakes. One is the bright green maraschino cherries that are often used, especially as decorations on top. I don’t blame you for be-ing leery of those -- they are a color seriously not found in nature.The other is citron, which is a paler green (and is seen in the society logo). This is a naturally occurring fruit that has been candied as a means of preserving it. Citron is a family of fruit that includes the etrog, used in Jewish Suk-kot, or Feast of Tabernacles.

EASY FRUIT CAKE(Makes 2 cakes)

1 (16 ounce) bag mini marshmallows1 pound candied cherries1 pound pecan pieces1 pound walnut pieces1 (16 ounce) package fl aked coconut1 cup crushed graham crackers 1 cup crushed vanilla wafers1 cup raisins1 (14.5 ounce) can sweetened condensed milk

1. Combine the marshmallows, cherries, pecans, walnuts, coconut, graham crackers, vanilla wafers and raisins. Mix well to combine. Add in the condensed milk. Blend in thoroughly.2. Press the cake with your hands into 2 waxed paper-lined loaf pans. Chill the cakes for 8 hours. Cut into thin slices.

Angela Shelf Medearis is known as The Kitchen Diva! She’s the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Her newest inspi-rational book is “10 Ingredients for a Joyous Life and a Peaceful Home -- A Spiritual Memoir,” co-written with Pastor Salem Robinson, Jr., www.dunnsmemorial.com. Visit her Web site at www.divapro.com.


MONUMENT’S LOCAL PACKAND SHIP GETS A FACELIFT

AND A NEW OUTLOOK

Leigh & Angie Wilde purchased the store in August af-ter its unexpected closing in July.

<Snippetz> What made you decide to purchase the 1st

Class Pack & Ship?<Wilde> The store has been at this location for almost 18 years – it seemed a reasonable and worthwhile invest-ment.

<Snippetz> Why the name change?<Wilde> Sometimes change is a good thing. We were cleaning and updating pretty much everything. We wanted people to know that with a new owner there would also be a new experience – changing the name seem an appropri-ate way to convey that.

<Snippetz> What services do you offer?<Wilde> We can ship local to worldwide with FedEx, USPS & DHL. We carry books and rolls of stamps and provide notary public services. We offer faxing, copying and offi ce supplies as well as printing services such as business cards and banners. We also provide gift wrap-ping and greeting cards for those special occasions.

<Snippetz> Are you a part of a franchise?<Wilde> No, we are an independent, locally owned busi-ness. We have no franchise fees and no corporate offi ce dictating pricing. We do not have the type of overhead that other stores may have. This means we can keep our costs lower than the competition and can pass that savings on to our customers.

<Snippetz> Is it too late to ship for Christmas?<Wilde> No, but the end of the “cheap” shipping window is quickly approaching. You can ship as late as Thursday, December 23rd and still be on time, but it will cost a great deal more than if you ship by the 15th.

THIS ‘AINT LEGO WORLD, BUT WE CAN

STILL HAVE FUN!By Nick Yanez

It is scary to think that the kid in the corner killing invisible ninjas with a plastic hockey stick may one day be president. Or that the girl next door,

who chooses to wear cowboy boots parachute pants and mouse ears, in twenty years, could run a company. But the simple fact of it is that the youth are our future. They will run the universe. Hopefully not in the same way they run fi ctional Lego universes, or mankind is in grave danger. But forget what may be a devastating fu-ture; kid’s today just need to have fun. If they have fun, they’ll have a good attitude, and attitude goes a long

way. Of course, fun is best served safe, and with a good dose of life lessons. What’s a fun, safe, life-learning ex-perience your child can have? They can bowl.

Pinz Bowling Center will begin its Youth League on January 15th. It ends the 14th of May, and the awards ceremony will be the 23rd of the same month. That’s fi ve months of fun for your child. On top of that, bowling is a non-violent sport your child can play, teaching him/her competitiveness, as well as good sportsmanship. Best of all, kids of all ages can play it, and continue to get better. Pinz also offers coaching for kids who want to be at their best. It’s an activity that will 1) get your kid involved in something, 2) Allow your kid to makes some new friends, and 3) won’t put you out too much money. To sign your kid up, or ask any questions about the Pinz Youth League, call Pinz at 487-7469. Who knows, maybe your kid will be on the next champion-ship team, or the MVP of the league. Honors like that can really get a kid going, and even motivate them, for what’s sure to be, a very promising future.

16


Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. GEOGRAPHY: Where is the Alamo lo-cated?

2. TELEVISION: What was the name of the father on “The Brady Bunch”?

3. U.S. STATES: Which state was the fi rst, by law, to give women the right to vote?

4. ENTERTAINERS: Where did Elvis Pres-ley die?

5. ANATOMY: Where are the triceps mus-cles located?

6. ART: Which impressionist painter cre-ated a series of famous works of his gar-den at Giverny?

7. U.S. PRESIDENTS: In which branch of the military did Gerald Ford serve during World War II?

8. HISTORY: How many people died as a result of the Boston Massacre in 1770?

9. CARTOONS: In the animated series, where did Yogi Bear live?

10. LANGUAGE: What is a sobriquet?

1. When Kansas City’s Zack Greinke led the American League with a 2.16 ERA in 2009, it was the lowest A.L. leader since 2000. Who had a lower ERA then?

2. Three major leaguers have won the Sporting News Player of the Year award in back-to-back years. Name two of them.

3. When Tom Brady became the New Eng-land Patriots’ all-time passing yardage leader in 2009, which signal-caller did he supplant?

4. Name the last time before 2010 that Northern Iowa’s men’s basketball team won a game in the NCAA Tournament.

5. Who was the last NHL player before Detroit’s Johan Franzen in 2010 to have a six-point playoff game?

6. In 2010, Jamie McMurray became the second NASCAR Cup driver to win both poles in the same season at California’s Auto Club Speedway. Who was the fi rst?

7. Name the last French tennis player to win the French Open men’s singles title, and what year did he do it?


SNIPPETZ® PUZZLES AND TRIVIA

1. Whatever happened to rock-and-roll pioneer Eddie Cochran?

2. What was the fi rst U.S. No. 1 single Paul McCartney had with his new band Wings?

3. Who released “Margari-taville,” and when?

4. When and where did the rock musical “Hair” fi rst open?

5. Who is known as “The Red Rocker”?

6. Who released “Why Should I Cry For You,” and when?

New DVD Releases forWeek of December 13, 2010

PICKS OF THE WEEK“Inception” (PG-13) -- Director Chris-topher Nolan (“Memento,” “The Dark Knight”) has crafted one of the most origi-nal and talked about fi lms of year -- if not the decade. Leonardo DiCaprio stars as Dom Cobb, an industrial spy who can en-ter the dreams of his clients’ competitors and steal their ideas. A Japanese magnate named Saito (Ken Watanabe) hires Cobb to do something different: Instead of extract-ing ideas, he wants Cobb to implant an idea

into the subconscious of a rival business-man (Cillian Murphy) -- a process called “inception.”With the aid of his partner (Joseph Gordon-Levitt), an architecture student (Ellen Page), a chemist (Dileep Rao) and a forger (Tom Hardy), Cobb enters a series of dreams and dreams-within-dreams to pull off the caper. A series of spectacular special-effects se-quences will simply take your breath away. “Inception” is one of those rare science-fi ction fi lms like “2001” -- one that is not only visually compelling, but smartly writ-ten and intellectually stimulating.

“Despicable Me” (PG) -- The best ani-mated fi lm of the year is, hands-down, “Toy Story 3,” but coming in a very close second is “Despicable Me,” a rollicking slapstick comedy starring the voices of Steve Carell, Jason Segel, Russell Brand and Julie An-drews. Gru (Carell) is the world’s greatest su-

pervillain -- until a young upstart named Vector (Segal) steals the Great Pyramid of Giza, dropping Gru to No. 2 on the list. To regain the top spot, Gru must steal Vector’s shrink ray so that he can shrink the moon. To do that, he must enlist the help of three cookie-selling orphan girls and a squad of blobby, inept minions (who steal every scene they’re in). Despite the hackneyed trope of the Importance of Family, “Despi-cable Me,” is one of the funniest fi lms of the year and a treat for kids and adults.

“The Other Guys” (Unrated) -- Will Fer-rell and Mark Wahlberg star in this hilarious send-up of buddy-cop movies. Ferrell plays a clueless police accountant with a hot wife (Eva Mendes) whose beauty he is totally oblivious to. Wahlberg is a super-cop wan-nabe who is banished to desk duty after ac-cidentally shooting a member of the New York Yankees. After the city’s famous duo of super cops (Samuel L. Jackson & Dwayne

“The Rock” Johnson) die in the line of duty, Ferrell and Wahlberg use the opportunity to take on a case involving a billionaire Wall Street crook (Steve Coogan). The gags in this fi lm come at you so fast and furious, you’ll be out of breath from laughing. “The Other Guys” is defi nitely worth a watch.

TV SERIES“The IT Crowd” Complete Fourth Season“The Honeymooners Christmas Special”

“24” The Complete Series“Married ... With Children”

The Complete Series “Robert Klein: Unfair and Unbalanced”

“Leave It to Beaver” Season Five “Trailer Park Boys Say Goodnight”

“Army Wives” Complete Fourth Season “24” The Complete Eighth Season

“Hawaii Five-0” Tenth Season“Gunsmoke” Fourth Season V.2


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 (17).


17

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions DECEMBER 13, 2010

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. Cochran died in a taxi cab crash in 1960 while on tour in the United Kingdom. He was 21. His hits included “C’mon Everybody” and “Summertime Blues.”

2. “My Love” in 1973. The song only reached No. 9 on the U.K. charts.

3. Jimmy Buffet, on his 1977 “Changes in Latitudes, Changes in Attitudes” album.

4. April 29, 1968, in New York City at the Biltmore The-atre. The show ran for 1,750 performances, while ad-ditional shows opened at different locations around the world.

5. Sammy Hagar, originally with the band Van Halen in 1985. Via his association with Van Halen, Hagar was in-ducted into the Rock and Roll Hall of Fame in 2007. His most recent band is Chickenfoot.

6. Sting, in 1991 on “The Soul Cages” album.

1. San Antonio, Texas2. Mike Brady

3. Wyoming, in 18694. At his estate, Graceland, in Memphis, Tenn.

5. Upper arm6. Monet7. Navy8. Five

9. Jellystone Park10. A nickname

1. Boston’s Pedro Martinez, with a 1.74 ERA.2. Ted Williams (1941-42), Joe Morgan (1975-76) and Albert Pujols (2008-09).3. Drew Bledsoe, who had 29,657 yards.4. It was 1990, when the Panthers beat Mis-souri.5. St. Louis’ Geoff Courtnall, in 1998.6. Kurt Busch, in 2006.7. Yannick Noah, in 1983.

ARIES (March 21 to April 19) At this time you might want to resist that otherwise ad-mirable Aries penchant for getting to the heart of a matter quickly. Keep in mind that a delicate situation calls for patience.

TAURUS (April 20 to May 20) Your as-pects favor more diplomacy and fewer di-rect confrontations when dealing with a re-lationship problem. Avoiding hurt feelings can help in your search for the truth.

GEMINI (May 21 to June 20) Positive as-pects are strong this week. Although you might still have to deal with some prob-lems caused by a recent period of turmoil, you are making progress, and that’s what counts.

CANCER (June 21 to July 22) A family matter could benefi t from your counsel. But don’t come into it unless invited, and don’t stay if you feel uneasy. Just remem-ber to reassure one and all that you’ll be there for them.

LEO (July 23 to August 22) As the truth about an ongoing situation emerges, you could fi nd that you were right to defer judgment before you had all the facts. Now would be a good time to move on to other matters.

VIRGO (August 23 to September 22) Your plans to take control of a personal situation because you feel you are best qualifi ed could create resentment. Best to hear what everyone else involved in the matter has to say about it.

LIBRA (September 23 to October 22) Un-covering some surprising background facts about that ongoing personal matter could make you reconsider the extent of your in-volvement. A neutral family member offers advice.

SCORPIO (October 23 to November 21) Religious or spiritual themes start to domi-nate your aspect this week. This can serve as a counterweight to the mounting effects of the season’s growing commercializa-tion.

SAGITTARIUS (November 22 to Decem-ber 21) Taking on that recent challenge im-pressed a lot of important decision-makers. Meanwhile, proceed with your holiday plans, and don’t forget to include you-know-who in them.

CAPRICORN (December 22 to January 19) Disagreeing with an opinion you can’t accept could be dicey, and your motives might be questioned. Best to wait to mount a challenge until you have support for your position.

AQUARIUS (January 20 to February 18) Getting involved in helping others in this increasingly hectic period not only makes the generous Aquarian feel good, but you could also gain a more substantive benefi t from your actions.

PISCES (February 19 to March 20) The Piscean way of thinking clearly and objec-tively helps you resolve a complex situa-tion without creating any ill will. Don’t be surprised if your counsel is requested on another matter.

BORN THIS WEEK: You have a way of persuading people to look at the positive possibilities that make up any choices they might face.


Check us out on Facebook - PINZ Bowling Center Or on the Web - www.pinzbowling.com

RODZ is located inside PINZ The Premier Family Entertainment Center in the Tri-Lakes Area

855 Hwy 105, Palmer Lake 80133 (719)487-PINZ (7469)

18

SNIPPETZ® BUSINESS, FINANCE & LAW

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

CONSIDERESTABLISHING

A BUSINESSRETIREMENT

PLAN

Provided by Adam Graysonof EdwardJones Investments

If you’re self-employed or you own a business, you’ve got a lot to think about: attracting new

customers, maintaining cash fl ow, upgrading equipment and facilities — the list goes on and on. Yet, as busy as you are today, you can’t for-get about tomorrow — which means you need to have a solid retirement plan in place.

All retirement plans offer some features in common, such as tax-de-ferred growth of earnings. So how can you pick the plan that’s right for you? You’ll need to consider your business’ annual income, number of employees and other factors. Fortu-nately, you have some good plans from which to choose.

Here are a few to consider:

Owner-only 401(k) — If you are self-employed with no employees other than your spouse or a partner, the Owner-only 401(k) may be an option for you. Also known as an individual 401(k), an owner-only 401(k) offers you many of the same advantages of a traditional 401(k): a range of investment options, tax-deductible contributions and tax-deferred earnings growth. You may even be able to choose a Roth op-tion for your owner-only 401(k), which allows you to make after-tax

contributions that have the oppor-tunity to grow tax-free. For 2010, you can contribute up to $16,500 as a deferral, and total contributions cannot exceed $49,000 or $54,500 if you’re 50 or older. But you must plan ahead to take advantage of this plan for 2010 because it will need to be set up prior to Dec. 31, 2010.

SEP IRA — If you have just a few employees or are self-employed with no employees, you may want to consider a SEP IRA. For the 2010 tax year, you can put in the lesser of $49,000 or 25 percent of your compensation, which is capped at a maximum of $245,000. You fund the plan with tax-deductible contri-butions, and you must cover all eli-gible employees — at a minimum, those who are at least 21 and have been with your company for three out of the immediately preceding fi ve years. (Employees themselves cannot contribute.) Keep in mind, though, that the percentage of com-pensation contributed to a SEP IRA must be the same for you and your employees. If you don’t get a plan set up prior to year-end, the SEP IRA is the only plan that you can set up and fund, up until your tax fi ling deadline, to get a 2010 tax de-duction.

Solo defi ned benefi t plan — Gen-erally speaking, this plan, which is similar to a traditional pension plan, may be suitable for you if you have relatively high earnings and can af-ford to take advantage of the high contribution limits, which are deter-mined by an actuarial calculation. Your contributions are tax deduct-ible.

In choosing a retirement plan, you may want to consult with your tax adviser. But don’t wait any longer to get started. The future will be here soon enough — so you’ll want to be prepared for it.

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

10 - $1,000 MVEA

-

Applications must be received by January 15, 2011.

SCHOLARSHIPS AVAILABLE

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

Thursday, December 16, 2010

9:00 a.m.Serrano's Coffee Shop - Monument, CO

19

SNIPPETZ® BUSINESS, FINANCE & LAW

❖ 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 - Affordable - Convenient

Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

VALUETHE LAW

ACCORDINGTO STEVENS

by Lisa Welch Stevens,Attorney at Law P.C.

BUSINESS PLANS:RECIPE FOR

BUSINESS SUCCESS!© November, 2010, Lisa Welch Stevens, Esq.

Do you need a business plan for your business? What is a business plan? Is a business plan for new businesses only?

Any business seeking fi nancing, a loan, or a line of credit, will be required by a potential investor, bank, or other lender to provide a copy of its business plan, before any fi nance application will be consid-ered. So yes, if you intend to seek fi nancing you need a business plan.

However, a business plan is not simply a tool for a third party to inform itself before it can decide whether to provide you with fi nancing. A well-thought out, well-drafted business plan, a plan reviewed and consulted by the business owner on a regular basis, can provide the business owner with a recipe for business success. Many a business with a good concept has failed due to lack of execution: a business plan sets forth your plan of execution.

A business plan is not just for new business-es, either. Any business will benefi t from formulating such a plan, whether it is experiencing diffi culties, or booming success. The business plan sets forth where you are, where you want to be, and how you will get there.

What IS a business plan? Most plans are comprised of the following sections, depending upon the nature of the business itself:

• Name and Contact Information;

• Business Description (Type, Mission, Fo-cus);

• Industry and Market Description;

• Company History;

• Company Products or Services;

• Marketing Plans;

• Management Team Biographies;

• Funding (Needed and History);

• Financial Statements;

• Financial Projections.

It is actually the formulation and drafting of the busi-ness plan that is the most helpful to the business own-er. Specify the types of goods and/or services your business will provide. Identify your target custom-ers/clients. Identify your competitors. Identify and set forth how your business will differentiate itself from the competition. Identify how you will market your business to potential customers, and set forth a plan of action. Identify the key players in your busi-ness, their strengths and weaknesses, and apportion responsibilities accordingly. Analyze your fi nancials, and resources available to your business. Identify resources you need, but do not have. Analyze your industry and local marketplace, and determine likeli-hood of success. Determine your overhead costs of operation, and project revenues needed to cover those costs. Simply the process of thinking through all of this will increase your chances of business success.

Drafting a business plan may seem daunting, but there are resources available to help you. Books such as those in the “Dummy” series (such as Small Business

Kit for Dummies), can be very helpful. Many such books are available not only at bookstores, but on-line and at the public library. The Pikes Peak Library District, for example, has a librarian who specializes in assisting business owners. Organizations such as SCORE, the Small Business Administration, and the Technology Incubator at the University of Colorado at Colorado Springs can also be helpful. Finally, cer-tain accountants, business coaches, attorneys, and business advisors can be retained to assist in drafting your business plan.

Many business owners focus only on providing the good or service which is the “subject matter” of their business (e.g., painting residential exteriors), and not on marketing their business or running the business as a business; they then wonder why they fail. By planning from the beginning, you increase the odds of your business surviving and even succeeding. Cre-ate your recipe, then follow it. Review it regularly and, if needed, adjust it. Know your business, under-stand your business, and success is far more likely.

This article is intended for general informational pur-poses only, and does not constitute the proffer of le-gal advice. Consult your legal advisor regarding your particular situation.

For additional information contact,Lisa Welch Stevens, Attorney at Law P.C.

Representing Colorado Businessesand Business Owners

719.488.9395

GETTING A HANDLE ON HOLIDAY DEBT

Overheard in a mall when a weary child asked his package-laden mother: “Mom, can we stop shopping yet?” Smart kid.

Is your holiday shopping completed? Did you stick to your budget and use saved cash, or are you afraid to look at the stack of credit-card receipts you’ve ac-cumulated?

If you’ve reached the end of your budgeted money, yes ... you can stop shopping. Don’t buy another thing, even if you see a super sale.

If you used credit cards because you didn’t save in advance, you’ll need a plan of attack to pay off the balance.

Your fi rst step will be to determine whether your credit-card purchases put your balance over 50 per-cent of your available credit. Going over that 50 per-cent amount can impact your credit score long term. If that has happened, do everything you can to im-mediately bring the balance below that 50 percent. Consider taking out a lower interest loan, perhaps at a credit union, to pay off the entire balance. If you’re expecting a tax refund and haven’t paid off the credit card by the time the check arrives, use it fi rst to pay off the debt.

If you’ve stayed under that 50 percent amount, break the balance into three payments and pay it off quick-ly. If you can’t clear the balance in three payments, at least make more than the minimum payment. There’s a place on your credit report that indicates whether you make more than the minimum payments, and that helps your credit score.

If your credit card statement after the holidays offers you a month of no payment, send a payment anyway. The interest meter never stops running, and the cost of your gifts will continue to rise.

If you haven’t started your shopping yet, reconsider how much you’ll spend. Decide whether it’s possible to go all-cash this year, perhaps by not sending gifts to people outside your immediate family.

Idea: Start a Christmas Club account at your bank or credit union for next year. Every month you’ll de-posit a set amount, and by the next shopping season all of your holiday money will be waiting for you. The interest paid will be minimal, but you’ll have the satisfaction of having no credit-card debt after the holidays.

David Uffi ngton regrets that he cannot personally an-swer 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].


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