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Earthquakes... Continued on Page 2

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On May 16, in just 24 hours, scien-tists recorded 87 earthquakes – albeit small – in the United States.

Most of them occurred in California and Alaska. Three were at magnitude 3-plus and one was at magnitude 4.5-plus.

More than a million magnitude 2.0 to 2.9 earth-quakes occur each year worldwide. Thousands of 3 to 5.9 earthquakes occur annually, and it’s estimated that one earthquake of magnitude 8 or higher takes place in any given year.

On May 9, a small magnitude 3.9 earthquake was recorded in Colorado: 12 miles west of Trinidad; 22 miles northwest of Raton, N.M., 32 miles south of Walsenburg and 179 miles south of Denver.

Is the future on shaky ground?

Earthquakes...Continued from Page 1

2

ALL RIGHTS RESERVED © 2011

PUBLISHED BYFUNDER ENLIGHTENING, INC.

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

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

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Life Energy Flow Tai Yi“Loving Yourself”... 5

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Robyn’s Real Estate Rap... 6

Moments In Time... 8

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Earthquakes...Continued on Page 3

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WHAT’S MAKINGTHE EARTH MOVE?

When two blocks of the earth slip past each other in a sudden movement, they create a fault or fault plane.

The earth has four major layers: the in-ner and outer core, the mantle and the crust. The crust, which is at the top of the mantle, is comprised of a thin skin on the surface of the planet. The skin is made up of many pieces, which con-tinuously move – often sliding past and bumping into each other. The pieces are called tectonic plates; the edges of the plates are plate boundaries, which comprise many faults. Most of the earthquakes occur on the faults. The edges of the plates are rough, so they get stuck when the plate keeps mov-ing.

An earthquake starts below the earth’s surface – the location of it is called the hypocenter. Directly above the surface of the earth in the exact location is the epicenter. The largest earthquake is referred to as the main shock, but smaller earth-quakes – both foreshocks and after-shocks – often accompany an earth-quake. Aftershocks can continue for weeks, months; even years.

The measured value of an earthquake size is known as the magnitude, which doesn’t vary with the area or shaking movement of the earthquake. The in-tensity of an earthquake measures the shaking activity.

On March 11, a big portion of the Pa-cifi c Plate, which normally travels west under Japan at 3 inches per year, pushed forward up to 59 feet – the jolt caused the undersea upward, creating the magnitude 9 earthquake and the tsunami.

WHY THEGROUND SHAKES

When the edges of the faults are stuck

together as the rest of the block moves, the energy that would normally cause the blocks to slip past each other is stored. The force of the moving blocks overwhelms the friction of the jagged edges of the fault, releasing the edges and the stored energy. The energy ra-diates outward from the fault in many directions – this is referred to as seis-mic waves (like ripples on a pond). The waves shake the earth as they move through it, and when the waves reach the earth’s surface, they shake the ground and buildings, etc.

To record and measure earthquakes, Charles Richter developed the seismo-graph in 1935. Richter assigned each earthquake a number – from weak (1) to strong (7). The Richter scale is still used today.

THE CRYSTAL BALL Scientists and climatologists cannot predict an earthquake, and if it’s true that some animals and humans experi-

ence a “feeling” that an earthquake is about to happen, the experts are clue-less as to how or why.

But scientists understand fault lines and the earth’s movement. Here’s what they do know:

• During the past three million years, the average rate of motion across the San Andreas Fault Zone is about 2 inches a year, which is the same rate of growth for the human fi ngernail. If the rate continues at this pace, scien-tists predict that Los Angeles and San Francisco will be adjacent to one an-other in about 15 million years. The San Andreas Fault runs along the entire California coast.

• Each year, there are about 10,000 earthquakes in Southern California. Most of them are inconsequential and unnoticed.

SNIPPETZ FEELS THE EARTH MOVE:EARTHQUAKES

3

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Earthquakes... Continued from Page 2

Earthquakes...Continued on Page 4

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• The Wasatch Range in Utah, which runs north and south through the state, was produced by a series of earth-quakes (as all mountain ranges). The fault on the range is comprised of several segments, and each one is ca-pable of producing up to a magnitude 7.5 earthquake. During the past 6,000 years, there has been a magnitude 6.5-plus about once every 350 years on this range.

• Earthquakes can occur in the central area of the U.S. In 1811 and 1812, New Madrid, Mo., experienced three magni-tude 7.5 to 7.7 earthquakes.

• Florida and North Dakota experience fewer earthquakes than any other state.

• Alaska is the most earthquake-prone state and extremely seismically ac-tive. Alaska experiences a magnitude 7 earthquake almost every year, and a magnitude 8 or greater earthquake on average every 14 years.

• One of the most active plate bound-aries, with frequent earthquakes and eruptions, is around the massive Pacif-ic Plate, referred to as the Pacifi c Ring of Fire. Ninety percent of the world’s earthquakes occur in this area.

• Inside the Antarctica are ice-quakes, which are more frequent in Antarctica than earthquakes. The ice-quakes are small and occur within the ice sheet in-stead of the land underneath the ice.

• An earthquake can happen in cold, wet and rainy or hot weather. Earth-quakes do not produce a variance in weather patterns; thus, weather is never an indicator.

THE BIG ONESAt Home

• Colorado’s largest earthquake was a magnitude 6.6 that shook up Denver and the Front Range on Nov. 7, 1882. It caused damage in Denver, and experts said it was centered near Rocky Moun-tain National Park. The quake was felt in Salina, Kan., and Salt Lake City.

• The second-largest earthquake jarred Colorado a century later on Nov. 26, 1967. The magnitude 5.2 earthquake caused minor damage in suburban ar-eas northeast of Denver and was felt from the northwest in Laramie, Wyo., east to Goodland, Kan., and south to Pueblo.

• Several minor earthquakes have rat-tled Colorado throughout the years, and

most of the shocks have been centered west of the Rocky Mountain Front Range. But Colorado is considered a region of minor earthquake activity.

Nationwide/Worldwide

The largest earthquake in the U.S. oc-curred March 28, 1964. The magnitude 9.2 earthquake struck Prince William Sound in Alaska.

The three most recent big earthquakes in the U.S.:

• In December 2003, a magnitude 6.5 earthquake happened in San Simeon, Calif. The epicenter was near the Pa-cifi c Coast in central California. The earthquake did not rupture the surface, but it caused landslides and shaking. Two people were killed when a build-ing collapsed in nearby Paso Robles.

• In November 2002, the magnitude 7.9 Denali earthquake shook Alaska, generating numerous landslides and road closures. But structural damage was minimal, and there were few inju-ries and no deaths.

• In 1994, a magnitude 6.7 earthquake roiled the city of Northridge, located in the San Fernando Valley region in Southern California. The earthquake brought about more than 60 deaths, 5,000 injuries, left 25,000 people homeless; and caused $25 billion in damages.

The largest earthquake in the world was a magnitude 9.5 that ripped into Chile May 22, 1960.

Japan is probably the most seismic of all countries, but because it is larger than Japan, Indonesia has more total earthquakes.

MORE ONSHAKY GROUND

• The moon has quakes, too. Moon-quakes don’t occur as frequently and are usually smaller in magnitude than earthquakes. The moonquakes are re-lated to the tidal stresses associated with varying distances between Earth and the moon.

• A tsunami and a tidal wave are activi-ties of their own. A tidal wave is caused by the gravitational interactions among the sun, moon and Earth. A tsunami is a sea wave caused by an underwater

4

SNIPPETZ® WEEKLY MAGAZINE

By Samantha Weaver

• It was British author Douglas Ad-ams, best known for his “Hitchhik-er’s Guide to the Galaxy” novels, who made the following sage obser-vation: “Anyone who is capable of getting themselves made President should on no account be allowed to do the job.”

• In the African nation of Sudan, a traditional wedding includes a cer-emony known as “sungkem,” in which the bride and groom kiss the knees of their parents.

• “Casablanca,” starring Humphrey Bogart and Ingrid Bergman, is one

of the most beloved movies of all time, frequently being listed at or

near the top of lists of the best fi lms ever made. However, shortly after its release in November 1942, The New Yorker rated it only “pretty tol-erable.”

• Connoisseurs of frog legs claim that you should leave the toes on when frying -- they’re good for picking your teeth after eating.

• The deepest hole ever drilled by humans reached a whopping depth of 7.62 miles. The project, known as the Kola Superdeep Borehole, was undertaken in Russia for the purpose of scientifi c research.

• At any given time, about two-thirds of the earth’s surface is covered by clouds.

• American author, abolitionist, nat-uralist, historian and philosopher Henry David Thoreau died on May 6, 1862, of complications of tuber-culosis. Those who were with him during his fi nal moments say his last words were “moose” and “Indian.”

• The tiny nation of San Marino, which is entirely encircled by Ita-ly, is the world’s oldest surviving sovereign state and constitutional republic. It was founded by a stone-cutter in the year 301, and the con-stitution was enacted in 1600 -- the world’s oldest still in effect.

***

Thought for the Day:

“There’s no secret about success. Did you ever know a successful man who didn’t tell you about it?” -- Kin Hubbard

(c) 2011 King Features Synd., Inc.

Earthquakes...Continued from Page 3

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earthquake or landslide – normally triggered by an earthquake but not always – which displaces the water.

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Real Estate InvestmentTips for Beginners

Take it from someone who hasdone Real Estate Investing,Fix-and-Flips, and owed RentalProperties.....you will lose yourshorts if you don’t know whatyou’re doing!

Right now, with interest ratessteady, lots of homes on themarket, and gobs of rentersflooding the market, many peo-ple are considering investingin rental properties.

You may be able to earn agood sum of money in realestate investing, but it's vital toknow what you're doing beforeyou put your money down on aproperty.

When you first start out, therisk of investing in a realestate property is muchgreater. Before you call yourlender and your Realtor to buythat first property, here aresome tips to get you started.

• Educate YourselfYou may know the basics, butthis is a major investment. Youdefinitely want to know whatyou're doing. There are lots ofbooks, websites and seminarsthat will give you a wide range ofreal estate knowledge. Be cau-tious of seminars that charge you$800 - $1500! I fell for that one!Those types of seminars giveyou a lot of hype, unrealistic sta-tistics and usually just want youto sign up for more classes. Youmay actually be able to inexpen-sively purchase real estateinvestment books and materialsthrough Amazon from other peo-ple who have taken the expen-sive seminars. Check your localwebsites, newspapers and mag

azines for people who are doingspeaking appearances. Thereare a lot of factors that most peo-ple don't think about. Makingone mistake, like forgetting tofactor in the right amount ofrehab costs, or rental vacancyrates, can take you from a prof-itable investment to a disastervery quickly.

• Build ContactsReal estate investing isn't thebest thing to do alone, especiallywhen you first started out. If youattend a seminar, build up yourrelationship with people there.Contacts in the real estate fieldare invaluable. They can helpyou find properties, get betterloans, help you with remodeling,and help you sell the property. Itmight also be a good idea to geta partner for your first invest-ment. In addition to gaining thebenefits of their experience, you'llalso be risking less money. Talkto friends and family who havedone real estate investing in thepast.

• Define Your GoalsAre you planning to rent out yourproperty, or will you fix and flip it?How much money do you havefor renovating? You'll find havingan investment plan clearlydefined will bring you greatercomfort.

• Study Your MarketWhen it comes time to purchasea property, study the propertyvalues in your area and the mort-gage rates. By learning all aboutthe market, you can gauge howmuch of a return you can expect,and determine which property isa worth while investment.

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Michael has served as Interim Executive Director for the past six months, and after a compre-

hensive search by the Board of Directors, he has been engaged as the permanent di-rector.

Maddox, who for decades has always been involved in the arts in one form or another, brings a lot of experience to the position. debi Story Maddox, his wife of 41 years, is a prolifi c oil painter whose paintings have been displayed in galler-ies and museums throughout the U.S. He and debi have also authored fi ve books, including two poetry publications.

As an event coordinator, Michael orga-nized and promoted major events at ma-jor venues, including Madison Square Garden, the Washington Monument, and the Shrine Auditorium in Los Angeles. He has also organized and promoted sta-dium events in foreign nations.

For 14 years, Maddox and his wife served as directors of Project Peace on Earth, a nonprofi t artists retreat near Dallas, TX. While there, they organized and hosted major music and arts festivals, many of which were 3 – 5 days in length and fea-tured more than 100 musical groups.

He also booked many bands at Dallas venues. At the Starplex Amphitheatre, Maddox booked opening acts and side

stages for touring groups such as James Taylor; Emerson, Lake, & Palmer; Tom Petty; Dan Fogelberg; Crosby, Stills, & Nash; and the Benson & Hedges Blues Festival, just to name a few.

Last year, Maddox’s Asylum Moon Agency, helped organize the fi rst ever Concert on the Lawn at the Fine Arts Center in Colorado Springs. The con-cert featured legendary folk singer Arlo Guthrie.

Michael also hosted a popular Colo-rado Springs radio program. His inter-view guests included John Tesh; Olivia Newton-John; Don Brewer (Grand Funk Railroad); Dan Peek (America); Carl Palmer (Emerson, Lake, & Palmer); Tina Wesson (2nd year winner of CBS-TV’s “Survivor” program); and Dallas Jen-kins (Jenkins Entertainment, producer of Hallmark TV fi lms).

Maddox was presented a Telly Award as Executive Producer of an award-winning television special broadcast in major markets. He has also been an interview guest on various radio and television pro-grams.The TLCA will continue to showcase local and national artists and sculptors, book talented musicians and bands, and schedule high-quality theatrical and comedy presentations.

TRI-LAKES CENTER FOR THE ARTS IS PLEASEDTO ANNOUNCE DR MICHAEL L. MADDOX

HAS BEEN NAMED EXECUTIVE DIRECTOR

8

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• On May 23, 1701, at London’s Execution Dock, British privateer William Kidd, pop-ularly known as Captain Kidd, is hanged for fi ve charges of piracy and one charge of murdering a crewman. A colorful Kidd legend included reports of lost buried trea-sure that fortune seekers have pursued for centuries.

• On May 24, 1883, after 14 years and 27 deaths while being constructed, the Brook-lyn Bridge in New York is opened, the largest suspension bridge ever built to that date.

• On May 27, 1894, Dashiell Hammett, author of “The Maltese Falcon,” is born in Maryland. He worked as a Pinkerton de-tective for eight years and turned his expe-riences into fi ction. The novel was fi lmed three times: once in 1931; again in 1936 under the title “Satan Met a Lady,” starring Bette Davis; and fi nally in 1941, starring Humphrey Bogart.

• On May 26, 1927, the fi nal and 15 mil-lionth Model T Ford rolls out of the fac-

tory, on the offi cial last day of production. Introduced in October 1908, the Model T -- also known as the “Tin Lizzie” -- got about 13 to 21 miles per gallon of gasoline and could travel up to 45 mph.

• On May 29, 1953, Edmund Hillary of New Zealand and Tenzing Norgay, a Sher-pa of Nepal, become the fi rst explorers to reach the summit of Mount Everest, the highest point on earth. At 29,035 feet above sea level, the low-oxygen summit of Ever-est reaches two-thirds of the way through the air of earth’s atmosphere -- at about the cruising altitude of jet airliners.

• On May 25, 1977, George Lucas’ block-buster movie “Star Wars” opens in Ameri-can theaters. With its groundbreaking special effects, “Star Wars” was soon a bona-fi de pop culture phenomenon, spawn-ing fi ve more feature fi lms, fi ve TV series and an entire industry’s worth of comic books, toys and video games.

• On May 28, 1983, Irene Cara’s song “Flashdance (What a Feeling)”, from the “Flashdance” movie soundtrack, goes to the top of the U.S. pop charts. The song helped propel the relatively low-budget fi lm to the No. 3 spot on the total box-of-fi ce revenue list for the year.


THE PLACE FOR GREATBIRTHDAY GIFTS

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Both stores conveniently located at274 Washington Street, Historic Monument

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SERVICES

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Individual and Business Tax Returns. Payroll, Bookkeeping & Financial Statement Accounting Services

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DETECTINGALZHEIMER’S INEARLIEST STAGE

Researchers are moving ahead in their quest for a treatment for Alzheimer’s disease. For the fi rst

time since 1984, they’ve come out with a new set of guidelines.

It used to be that there was no diagnosis of Alzheimer’s until the patient experi-enced complete dementia. Two years ago, researchers from around the world came together to pool all their information and to rethink how they’ve approached the care of those with Alzheimer’s, as well as learn new ways to diagnose it sooner.

From those efforts, researchers have been able to identify three specifi c stages of the disease: preclinical (brain changes that can show up as much as 10 years in advance), mild cognitive impairment (some mental declines that the patient and others can notice) and Alzheimer’s dementia. Mild cognitive impairment

doesn’t always become Alzheimer’s.

The new guidelines allow for a diagno-sis much earlier, before there are even symptoms, when treatment might still be effective. The earlier diagnoses can make use of physical changes (biomark-ers) seen in brain scans, spinal fl uids and blood proteins.

This doesn’t mean they’ve found a cure for Alzheimer’s, but it does mean that re-searchers can use the new information to help fi nd a cure, or at least a treatment. At this point, researchers will focus, in clini-cal trials, on the “preclinical” biomarkers to try to determine which are specifi c to the development of Alzheimer’s and how they change.

By learning just how early the fi rst steps of Alzheimer’s show up, researchers can develop drugs that will slow the progress of the disease at a much earlier point.

For more information on Alzheimer’s disease and a close look at the new guide-lines, go to the Alzheimer’s Association website at www.alz.org or call them at 800-272-3900.

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


SNIPPETZ®

CLASSIFIED

6 LINES Only $5 A Week (minimum 5 weeks)

Call: 719-487-0484

Snippetz® Classifi ed ads will run a minimum of fi ve consecutive weeks unless otherwise arranged. Classifi ed ads must be received no later than Wednesday before 12:00 pm in order to appear 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

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10

SNIPPETZ® HEALTH AND WELLNESS

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

Lisa Brownworth, N.P.

Specialized Adult and Pediatric

Allergy and Asthma Care

Now in Monument

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

Individualizedtreatment for:

Nasal AllergiesChronic Sinusitis

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EczemaAsthma

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719-592-1365www.csallergy.com

550 Highway 105Monument, CO 80132Wednesday Afternoons

At the Medical Centernext to Safeway

DIVERTICULOSIS COMMONWITH AGE

DEAR DR. DONOHUE: Will you write about diverticulosis? I was twice hospitalized for it and had to stay there 12 days in all. When I left, they didn’t give me any diet or medicines. I saw my primary doctor later, who didn’t think I had diverticulosis because they didn’t do much for me. Some tell me that you don’t have to stay on a diet or take medicine. Is that so? -- N.F.

ANSWER: A diverticulum is a tiny pouch formed by the colon lining that has been pushed through the muscular colon wall. Its size varies from 0.2 to 0.4 inches (5 to 10 mm) in diameter, about the size of a small pea. Diver-ticulosis indicates that the colon has sprouted many diverticula. It’s most of-ten silent. Close to one-third of adults at 60 years of age have it. By age 80, two-thirds have it.

Diverticulosis is found in countries where grains are refi ned. Refi ned grains have lost their outer coat, the bran. Bran was, at one time, the principal source of fi ber. Fiber keeps stool soft and easily pushed through the digestive tract. With too little fi ber, the colon has to exert great force to move undigested food along. That force is responsible for pushing the colon lining through the colon wall to form a diverticulum on its outer surface.

When you were hospitalized, you had diverticulitis -- infl ammation of diver-ticulum. The neck of diverticula be-

came clogged with bacteria and pieces of hard stool. The diverticula swelled. For mild symptoms, people can be treated at home by going on a liquid diet and taking antibiotics. For more severe involvement, people are hospi-talized and fed intravenously and given intravenous antibiotics.

Now that your diverticulitis has calmed down, the only diet you need follow is one with plenty of fi ber -- 30 to 35 grams a day. Fruits, vegetables and whole grains are fi ber sources. Many cereals are fi lled with fi ber: Fiber One, All-Bran, Shredded Wheat and cooked oatmeal are examples. You do not have to take any medicines.

The booklet on diverticulosis covers this topic in detail. Readers can ob-tain a copy by writing: Dr. Donohue -- No. 502W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Can-ada with the recipient’s printed name and address. Please allow four weeks for delivery.

***DEAR DR. DONOHUE: I will turn 65 shortly. My health is just fi ne. I am out and active. I do odd jobs like con-struction and hauling. Some friends want me to see a doctor just for a phys-ical because I haven’t been to one in 35 years. Why should I? All is OK with me. Is it true that 80 percent of men don’t go to doctors? -- C.F.

ANSWER: You’re getting on in years. Bad things happen with aging. You don’t want to be surprised by a heart attack, a stroke or a cancer that has grown so big that it can’t be treated, do you? Those are some of the reasons you should see a doctor. I like your fi ghting spirit.

I don’t believe that 80 percent of men never see a doctor.

***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) 2011 North America Synd., Inc.All Rights Reserved

Robyn Graham, RMT 719-216-4421 Email: [email protected]

Website: www.HealingTouch-MassageTherapy.com

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Call today for a FREE quote

487-9713 or 351-7476

ONCE YOU’VETRIED OUR SERVICE,YOU’LL KNOW WHY

WE’RE CALLEDCUSTOMER’S CHOICE!

Move-Outs Construction Cleanup

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Help Support the Palmer LakeRocket’s Red Glare

Fundraiser

JOIN OUR FIREWORKS EXTRAVAGANZAat Pinz Bowling Center on June 4th!

THE FUN begins at11:00 am to 1:00 am

Activities include:*Garden tractor pull(Bring your garden tractor)

*Lots of kids Activities*Bowling*LiveMusic*Native American Dancing*Barbeque*Silent auction*Car show*Live auction*and somuchmore…For Information call:Al@ 719 440 1105 orPinz@ 719 487 7469

Remember, your donations help make our 4th of July

The Biggest Small Town Fireworks in America!

12

SNIPPETZ® DINING GUIDE

www.eatatrosies.com

SERVINGBreakfast • Lunch • Dinner

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

2ND LOCATIONOPENING THIS SUMMER!

SHOPS AT VOYAGER11550 Ridgeline Dr.

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(Corner of Voyager and Ridgeline Dr.)

HAPPY HOURDaily

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HAPPY HAPPY HOURHOURDaily

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BUY ONE LUNCH OR DINNER ENTREE

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Please present coupon at time of order. One coupon per table only! Exp. 6/2/11 Snippetz

30 MINUTE CALL AHEAD SEATING!

481-1234230 Front Street • Monument, CO

www/lacasafiesta.net

PATIONOW OPEN!

75 Hwy 105 Palmer Lake719-481-2222

www.lazingarapalmerlake.com

OPEN 4:30PM - 9:00PM • CLOSED TUESDAY

Casual Dining - Family Atmosphere

www.lazingarapalmerlake.com

AVAILABLE FOR PRIVATE PARTIES, WEDDING, REHEARSAL DINNERS AND OFFSITE CATERING

Family Ownedand Operated

PLANNING A GRADUATION PARTY?DON’T DELAY... MAKE YOUR RESERVATIONS NOW!!

Dinner for 2 for $22

Offer good 4:30pm to 6:00pm forDine-In Only on Monday, Wednesday &

Thursday. Can not be used in combination with any other coupon or discounts

WE WILL BE OPEN TUESDAY - MAY 24TH TO BETTER SERVE FRIENDS AND FAMILY

OF THE 2011 AIR FORCE ACADEMY GRADUATES!CALL NOW TO MAKE YOUR

RESERVATIONS FOR GRADUATION WEEK

251 Front Street, Monument 6 am - 3 pm 7 days a week!

www.coffeecupmonument.com(719) 488-0663

Another PintAmerican Ale House

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www.asecondcup.net(719) 481-6446 33 Micro Brews

On Draft!

$0.98 PBR PintsOn Wednesdays!

13

SNIPPETZ® DINING GUIDE

Pizza • Pasta • LasagnaSalads • Sandwiches

Beer • Wine

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

4 Hwy. 105 • Palmer Lake719-481-3244

website: http://www.bellapanini.com

GLUTEN FREE - Pizza, Pasta, SaucesTry Our Specials

Tuesday through Thursday!

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

Bratwurst • Soups • Chili

24 Hwy. 105 in Palmer Lake

OPEN TUESDAY THROUGH SUNDAY11:00AM - 8:30PM

Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

FIRE UPTHE GRILL!

As the days get warmer and the holidays (and rela-tives) descend upon us, it’s time to grill outdoors. Take time to properly prepare your grill before us-

ing it. Here are some tips that will ensure that your grill is clean, safe and ready to use:

• If you haven’t used your grill in a while, give it a good spring cleaning. Scour the grate with a wire brush. Save future cleaning time by using a nonstick cooking spray to prevent food from sticking to the grill.

• Keep safety in mind. Place your grill in a well-ventilated, level area and away from overhangs, deck railings and shrubs. Use long-handled tongs and fl ame-retardant mitts to protect your hands.

• Preheat your grill. You can estimate the approximate tem-perature by counting how many seconds you can hold your hands 4 inches above the coals. If you can hold your hands in place for four seconds, your grill is at medium heat or

about 300 to 350 F. If you can hold your hands in place for less than two seconds, you have a hot grill at about 375 F.

• Be sure to bring a clean plate and clean utensils to the grill to collect the food. If you use the same plate that held the raw meat, you could be adding some unwanted “secret ingredients” to your meal. Salmonella, E. coli and other bacteria are unwanted guests at your party and often are spread by cross contamination.

• Use a food thermometer every time you grill. Don’t trust color as an indicator of doneness. According to a study conducted by the U.S. Department of Agriculture, one out of every four burgers turns brown before reaching a safe internal temperature. Insert the thermometer in the thick-est part of the meat, away from fat and bone. Clean your food thermometer well after use because a dirty thermom-

eter can cross-contaminate other foods.

FOR SAFETY, COOK TO THESE SAFE MINIMUM INTERNAL

TEMPERATURES RECOMMENDED BY THE USDA:

Chicken breast: 165o F

Hamburgers: 160o F

Steak (medium rare): 145o F

Pork: 160o F

You can reduce grilling time by starting the cooking process inside. For example, you can use a microwave oven to thaw meat and partially cook it, as long as the food is placed on a preheated grill immediately.Don’t reuse marinade. If you use a mari-nade to tenderize or add fl avor to foods, reserve some of the marinade that didn’t touch the meat in a separate bowl to use as a dipping sauce.

Meat, poultry and fi sh aren’t the only foods that can be grilled. Try grilled fruit or grilled vegetables, whether directly on the grill or in a foil packet. This recipe for Grilled Apple Cake dessert can be prepared in a foil packet on the grill and served over slices of store-bought pound cake. So fi re up the grill and enjoy!

GRILLEDAPPLE CAKE

3 cups peeled and sliced apple, or 2 (20 ounce) cans sliced apples1/2 cup butter, melted, divided1 tablespoon lemon juice1/2 teaspoon ground cinnamon

2 tablespoons brown sugar1 small loaf-style pound cake, sliced into 6 to 8 piecesWhipped cream for topping

1. In a small bowl, mix together butter, lemon juice, cinnamon and brown sugar. Place sliced apples on a large piece of heavy-duty aluminum foil. Top with butter mixture. Fold edges of foil to seal. Grill on low to medium heat for 20 to 30 minutes until tender.

2. Brush pound cake with butter on one side. Place the buttered side down on the grill for 2 to 3 minutes to warm and cre-ate grill marks. Place a slice of the cake, grill marked side up, on individual serving plates. Spoon the apples and any juice over the pound cake. Top with a tablespoon of whipped cream. Serve warm. Makes 6 to 8 servings.

(Tips courtesy of Julie Garden-Robinson, Ph.D., L.R.D., North Dakota State Univer-sity Extension Service)

***

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. Medearis is an award-winning children’s author, culinary histo-rian and the author of seven cookbooks, including “The New African-American Kitchen” and her new cookbook, “The Kitchen Diva Cooks!” Visit her website at

www.divapro.com.


Formerly B&E Filling Station Restaurant

25 Highway 105, Palmer LakeDinner Tuesday – Saturday 5-9 pm / Sunday 4-8 pm

Breakfast Saturday and Sunday 8am-1pm

For reservations, visit our website atwww.folieadeuxdining.com or call 719-481-4780

can use a microwave oven to thaw meat and partially cook it, as long as the food is placed on a preheated grill immediately.Don’t reuse marinade. If you use a mari-nade to tenderize or add fl avor to foods, reserve some of the marinade that didn’t touch the meat in a separate bowl to use as a dipping sauce.

Meat, poultry and fi sh aren’t the only foods that can be grilled. Try grilled fruit or grilled vegetables, whether directly on the grill or in a foil packet. This recipe for Grilled Apple Cake dessert can be prepared in a foil packet on the grill and served over slices of store-bought pound cake. So fi re up the grill and enjoy!

Casual

Elegant

Dining

TO CELEBRATETHE USAFA

GRADUATIONSWE OFFER

15% offfor all

cadets and their

familiesduring the

month of may

GRADUATION GROUPS OF 7 OR

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481-4780

14


Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. GOVERNMENT: What do FICA tax-es pay for?

2. LANGUAGE: What is a wunder-kind?

3. HISTORY: To what royal house did England’s King Henry VIII belong?

4. U.S. STATES: What is Hawaii’s state fl ower?

5. ANATOMY: In what part of the body is the sternum located?

6. MEASUREMENTS: On what type of scale are wind forces measured?

7. ROYAL TITLES: How should one ad-dress a duke in greeting?

8. GEOGRAPHY: What U.S. city is known as the “City of Brotherly Love”?

9. LITERATURE: What is doggerel?

10. MEDICINE: Who is credited with discovering the polio vaccine?

1. Who is the only major-league player to catch two perfect games?2. Name the two players other than Jose Canseco and Mark McGwire to hit 40-plus homers in a season for the Oakland Athlet-ics. 3. How many national titles has the University of Miami, Fla., foot-ball team won?4. Who holds the New Orleans Hornets franchise record for most career coaching wins? 5. The Philadelphia Flyers lost 8-7 to Tampa Bay in an NHL game in 2010. Against what other team in franchise history did the Flyers lose despite scoring seven goals? 6. Name the last Alaskan Native champion of the Iditarod Trail Sled Dog Race before John Baker in 2011. 7. Who was the last American golfer to be named LPGA Player of the Year?


SNIPPETZ® PUZZLES AND TRIVIA

1. What was The Ealing Club, and why was it famous?

2. Which group released “Blitzkrieg Bop”?

3. Which artist penned a book entitled “In His Own Write,” and when?

4. Name the group Joan Jett started long before The Blackhearts.

5. Who released “Never Gonna Give You Up” and when?

6. What do “One Fine Day,” “Sh-Boom,” “Stagger Lee” and “Da Doo Ron Ron” have in common?

New DVD Releases forWeek of May 24, 2011

PICKS OF THE WEEK“I Am Number Four” (PG-13) -- John Smith (Alex Pettyfer) is a teenager from an-other world who has powers and abilities far beyond those of mortal man. Raised by a hu-man in a small Midwestern town, John falls in love with the cutest girl in school, but the romance is cut short when he discovers that there are others like him and a gang of boun-ty hunters are out to kill him and his kind one-by-one, and in numerical order. John is number four.

“Gnomeo & Juliet” (G) -- The director of “Shrek 2,” producer Elton John and Walt Disney Studios present a new take on Shake-speare’s immortal story of two star-crossed lovers in this animated family fi lm. Gnomeo (James McAvoy) and Juliet (Emily Blunt) are different colored garden gnomes who live on opposite sides of a backyard fence. Lured by a beautiful orchid, the two meet and imme-diately fall in love. Their forbidden romance sparks a war between the two families. Will the two young lovers ever fi nd Happiness? Well, it’s a Disney movie, rated G, so do the math.

“The Royal Wedding: William and Cathe-rine” (Unrated) -- With this commemorative DVD of the BBC’s coverage of the Wedding of the Century, you can relive all the pomp and pageantry over and over again. Sigh at the beautiful gown. Smile at the adorable fl ower girls and pageboys. And laugh at the hats. Oh, those hats!

“The Great Dictator: The Criterion Col-lection” (G) -- Charlie Chaplin’s classic sat-ire of Adolf Hitler is now available in a com-pletely remastered high-def, Blu-ray format. Special features include: commentary by Chaplin historians Dan Kamin and Hooman Mehran; the documentary “The Tramp and the Dictator,” narrated by Kenneth Branagh; on-set color footage shot by Chaplin’s broth-er Sidney; a booklet featuring an essay about the fi lm, plus a 1940 article by Chaplin dis-cussing the fi lm.“Public Speaking” (Unrated) -- Originally shown on HBO, director Martin Scorsese presents a portrait of the life of satirist, jour-nalist and gay-rights activist Fran Lebowitz, author of “Metropolitan Life” and “Social Studies.” Intercutting between archival foot-age from the 1970s, interviews with friends and admirers, and Lebowitz’s speaking en-gagements, Scorsese weaves an intimate tap-estry of the life of one of New York City’s great writers.

TV SHOWS

“Kids In the Hall, The” Complete Series DVD Megaset

“Transformers” The Complete Series “Childrens Hospital”

Complete First & Second Seasons“Ice Road Truckers Deadliest Roads”

Season 1“Trailer Park Boys” Seasons 1-7

“The Kids in the Hall: Death Comes to Town”

“Melissa & Joey: Season One, Part One”“Mickey Mouse Clubhouse:Mickey’s Great Outdoors”

“Rick Steves’ Europe: All 90 Shows”“Jon Lovitz Presents”

“The Best of The Dean MartinVariety Show”

“Nova: Japan’s Killer Quake”“Brad Meltzer’s Decoded” Season 1

“Samurai Champloo” The Complete Series(c) 2011 King Features Synd., Inc.

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


15

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. Ealing was a jazz and R&B club in London. Brian Jones, Keith Richards and Mick Jagger met there for the fi rst time in 1962 -- the birth of the Rolling Stones.2. The Ramones, in 1976. The record didn’t even chart, but was No. 92 on Rolling Stone magazine’s 500 Greatest Songs of All Time.3. John Lennon, in 1964. The book is still in print.4. The Runaways, a girl group Jett founded in 1975. Their big hit was “Cherry Bomb” in 1976.5. Rick Astley, in 1987, on his debut album, “When-ever You Need Somebody.” The song shot to No. 1 in 25 countries. Astley retired (at the age of 27) but came back in 2010 with “Lights Out.”6. They were dropped (!!) from the 2010 update of Rolling Stone’s 500 Greatest Songs List.

1. Social Security2. A prodigy

3. Tudor4. Yellow hibiscus

5. Chest6. Beaufort Scale

7. Your grace8. Philadelphia

9. Crudely written poetry10. Albert Sabin

1. Ron Hassey caught perfect games by Cleveland’s Len Barker (1981) and Montreal’s Dennis Martinez (1991). 2. Reggie Jackson hit 47 in 1969, and Jason Giambi hit 43 in 2000.3. Five times - 1983, ‘87, ‘89, ‘91 and 2001.4. Paul Silas, with 208 regular-season victories.5. Hartford beat Philadelphia 9-7 in 1984.6. It was Jerry Riley, in 1976.7. Beth Daniel, in 1994.

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FOOD

AND

FUN

MUSIC AND VENDROS

MAY 23, 2011

ARIES (March 21 to April 19) Home con-ditions still demand attention. Also, keep an open mind about a sudden question of trust involving a close friend. All the facts are not yet in.

TAURUS (April 20 to May 20) With sum-mer just around the corner, travel begins to dominate your sign. Make plans carefully to avoid potential problems in the fi rst half of June.

GEMINI (May 21 to June 20) A romantic Libra sets a challenge that your “sensible” side might question, but your idealistic self fi nds the prospect too intriguing to resist. The choice is yours.

CANCER (June 21 to July 22) Those tense times in your personal life are just about over. Concentrate on reaffi rming relation-ships. Your love of travel opens a surprising new opportunity.

LEO (July 23 to August 22) The Big Cat usually loves to be in the center of things. But this week it might be wiser to watch and learn from the sidelines. A Pisces wants to make you purr.

VIRGO (August 23 to September 22) “New” is your watchword this week. Be open to new ideas, both on the job and in your personal life. A romantic Aries or Sagittarian beckons.

LIBRA (September 23 to October 22) Some diffi cult family decisions have to be faced, but be sure to get more facts be-fore you act. Be careful not to neglect your health during this trying time.

SCORPIO (October 23 to November 21) You still need to support a loved one through a diffi cult time. Meanwhile, things continue to work out to your benefi t in the workplace.

SAGITTARIUS (November 22 to Decem-ber 21) Aspects continue to favor expand-ing social opportunities. A Gemini reaches out to offer a chance for re-establishing a once-close relationship.

CAPRICORN (December 22 to January 19) There’s a potential for misunderstand-ing in both your job and your personal life. A full explanation of your intentions helps smooth things over.

AQUARIUS (January 20 to February 18) You might be feeling restless on the job, but delay making any major moves until all the facts are in. A Scorpio has a surprising revelation.

PISCES (February 19 to March 20) Your business sense works to your advantage as you sort through the possibilities that are opening up. A Libra is Cupid’s best bet for your romantic prospects.

BORN THIS WEEK: You have a gift for being open-minded about people. This helps you make friends easily. You do very well in public service.


16

SNIPPETZ®: COMMUNITY CALENDAR

ART HOP INHISTORIC DOWNTOWN MONUMENT

May 19, June 16, July 21, August 18 & September 15

The third Thursday of each month, May through September, the galleries, restaurants and bou-tiques of Historic Downtown Monument stay open from 5:00pm to 8:00pm for a celebration featuring art openings, great food, live music and other spe-cial events. Participating merchants are located on Second Street, Jefferson Street, Washington Street and Front Street : Bella Art & Frame, Bella Casa, Covered Treasures Bookstore, Crafty Laine Fab-ric Boutique & Sewing Lounge, Create A Memory Studio, Gloss, La Casa Fiesta Mexican Restaurant & Cantina, Luna Hair Studio and Spa, Margo’s on the Alley, Nationwide Flooring and Design Center, Prickly Pear, Retrospect Dry Goods, Santa Fe Trail Jewelry, The Bead Corner / Heart and Hand Mar-ketplace, The Love Shop, The Vintage Merchants, and Wisdom Tea House. Please save your receipts from all your purchases during Art Hop. There will be a drawing of a gift basket collected from the Art Hop Merchants at the Chili Cook-Off on September 17th. For more information, please visit: www.monu-mentarthop.org.

TRI-LAKES AMERICAN LEGION POST 9-11 MONTHLY MEETINGS

The Depot Restaurant in Palmer Lake (Post Home)First Tuesday of each Month 6:30 PM/8:00 PM

The American Legion Post 9-11 and Auxiliary serves the Veterans and community of the Tri-Lakes area of Colorado’s Front Range. Post meetings are held the fi rst Tuesday of every month at the Post Home (11 Primrose St., Palmer Lake, CO 80133) starting at 6:30 PM. Auxiliary Unit meeting are held on the sec-ond Tuesday of every month at 6:30 PM at the Post Home. For information about the post and events call 481-8668 or see the Post web site: http://www.americanlegiontrilakespost911.com/

FRONT RANGE TRADING POSTVaries monthly-Visit website for more details

frontrangetradingpost.com1st & 3rd Sunday of each month 2:00-4:00 pm

The Front Range Trading Post is a twice monthly swap event. The main idea is that we are stepping outside of the cash economy and mutually “gifting” things to each other in a way that turns whatever we have in abundance into a diversity of goodness and good will. The swap is free and open to all. If you want to participate you will need to bring something to trade.

LOCAL HOST FAMILIES NEEDEDFOR EXCHANGE STUDENTS

Colorado - Now through Aug. 31, 2011ASSE International Student Exchange Program is seeking host families for the 2011-2012 school year, for international high school boys and girls. These students are 15 to 18 years of age, and are com-ing to this area for the upcoming high school year or semester. These personable and academically selected exchange students are conversant in Eng-lish, bright, curious and anxious to learn about this country through living as part of a family, attending high school and sharing their own culture and lan-guage with their newly adopted host family.Persons interested in obtaining more information about becoming a host family should call (800)733-2773 or Area Coordinator Joy Saultman at (406)868-8553.

INTERQUEST ROTARY CLUB MEETINGLiberty Heights at Northgate, 12105 Ambassador

Dr, COS 80962Thursday Afternoon’s 4:46PM till 6:01PM

Guest welcome! Come join us for our weekly meet-ing with fellowship, food, and great speakers. We meet on the 2nd fl oor of main building weekly. We’re a small part of Rotary international, 1.3 million men and women worldwide serving our local area, our state and our world by giving Service Above Self.”www.rotary.org. Contact Scott Allen 719.338.7939 or [email protected] for more details.

CONCERTS IN THE PARK INHISTORIC DOWNTOWN MONUMENT

Wednesday’s, June 8th through July 27th 7-9pm

SNIPPETZ COMMUNITY CALENDARwww.fepublications.com

This is the tenth year the Historic Monument Mer-chants Assocation (HMMA) is bringing live music

to downtown Monument. This year the Concerts in the Park schedule has expanded to include EIGHT

shows! The free Summer Concert Series kicks off June 8 and runs through July 27. All concerts are from 7:00 to 9:00pm. Bring your own chair or

blanket and enjoy food, fun and great music for the whole family! Sponsored by the

Historic Monument Merchants Association.For more information, please visit:

www.monumentmerchants.com/Concerts.htm

BOWL FOR THE CURE - Pinz Bowling CenterJune 5th, 2011 - 9 am; Noon and 3 PM squads

Pikes Peak USBC, Bowling Association, along with the Susan G. Komen Southeastern Colorado Affi liate are Co-Hosting this event at Pinz Bowling Center on the above date. It is open to everyone: Families, Frends, neighbors as well as Local bowl-ers (no age limit), to raise funds for The Bowl for the Cure Foundation. There are entry forms at Pinz as well as at www.springsbowling.com. Help us Strike out Breast Cancer! Drawing for sponosor donations, one ticket for every participant.

PALMER LAKE ART GROUP’S 2011SPRING ART SHOW AND SALE

Tri- Lakes Center for the Arts304 Highway 105 in Palmer Lake, CO

June 7 - 25, 2011Daily 12 - 4pm, Sat 10 - 4pm, closed Sunday &

Monday. Opening reception 5pm - 8pmPalmer Lake Art Group’s 2011 Spring Art Show and Sale: Opening Reception: Friday: June 10, 5 – 8pm, with hors d’oeuvres, live music & cash bar and silent auction scholarship fundraiser. This annual judged event will feature original art only by members of the Palmer Lake Art Group: paintings, sculptures, photography, fi ber art, and more. Join us for an in-spiring evening with beautiful art, live music, and an opportunity to participate in the Silent Auction. Palmer Lake Art Group is a non-profi t organization established over 40 years ago. Proceeds from this event will be used to fund scholarships for TriLake area students. See www.palmerlakeartgroup.com website for more information.

TRI-LAKES CRUISERS BENEFIT CAR SHOWSunday, June 12, 2011

Over 200 cars line the streets for a spectacular event held the second Sunday of June.

Over thirty-nine trophies are given away at this show that runs from 10:00am to 3:00pm

in historic downtown Monument.

TRI-LAKES NETWORKING TEAM“TNT Unites Women to Build Relationships,

Achieve Success and Improve Our Community”Presents: “The Onederful You”

June 14th 6:30 to 9 pm“Colorado Mountain Brewery”11202 Rampart Hills View, CS

www.trilakesnetworkingteam.com

AMERICAN LEGION POST 9-11FLAG RETIREMENT CEREMONY

The Depot Restaurant in Palmer Lake (Post Home)June 14 2011 - 7 PM/8PM

The Tri-Lakes American Legion Post 9-11 will con-duct a Flag Retirement Ceremony on Flag Day at 7PM at the Post Home (Depot Restaurant) in Palm-er Lake. This is an opportunity to properly dispose of old and tattered fl ags. It is not necessary to at-tend the ceremony as fl ags may be dropped off at any time in advance at the Depot Restaurant. This is a community service with no charge.

FINALLY SUMMER SOULSTICESaturday, June 18, 10:00am to 2:00pm

The Historic Monument Merchants’ Association is excited to present the Third AnnualFinally Summer Soulstice Celebration! Finally Sum-mer Soulstice is an all-day eventfeaturing live music, activities for kids and adults alike, and other special events. For moreinformation, please visit www.monumentmerchants.com/SummerSoulstice.htm

TO SUBMIT YOUR EVENT - GO TO:http://snippetzonline.com/submit-an-event.html

MONUMENT FOURTH OF JULY PARADE& STREET FAIR - PALMER LAKE FIREWORKS DISPLAYThis year the annual parade will be held Monday, July 4. The fi reworks over Palmer Lake will take

place the evening of Monday, July 4.

HIS BRAND OF EL PASO RODEO BIBLE CAMPLatio Trails Heritage Centre,

13710 Halleluiah Trail, Elbert, CO 80106July 10-13, 2011 12:00 PM

July 10 to 12:00 PM July 13Sponsored by the Fellowship of Christian Cowboys and is a unique blend of bibical teaching and rodeo instruction by professional instructors in Barrels/

Poles, Saddlebronc, Bull Riding, Team Roping, Goat Tying, Western Horsemanship, Trick Riding, Bare-back, Breakaway Roping, and Calf Roping for ages 9-18. Cost is $190/camper and meals are provided. Campers sleep overnight with Team Counselors and have a fun and informative 3 days!!! Contact: Mike Sigler (719) 499-5577

PICNIC IN THE PINES Fundraiser for BENET HILL MONASTERY

3190 Benet Lane Colorado Springs, Co 80921-1509Sat, JULY 16, 2010 10:30 AM-2:30 PM

Barbecue (all you can eat) and Roasted Pig, Games for all ages, Nature walks, Music. $25.00 per per-son or $100.00 per family. Please let us know if you are interested and we will send you Posters, Flyers for Bulletins, or e-blast. FOR MORE INFORMA-TION AND REGISTRATION PLEASE VISIT THE WEBSITE www.benethillmonastery.org

TEAM SCHNEIDER BECOMES CERTIFIEDPATH2BUY COACHES

Team Schneider of Cherry Creek Mortgage Company is proud to announce that they have become

certifi ed Path2Buy coaches.

Grant Schneider of Cherry Creek Mortgage said, “We want to help people get ready for their home purchase through a new innovative program called Path2Buy. Using this program we will analyze your client’s ability to purchase a home. If they don’t qualify now we will develop a Plan to put them on the Path2Buy. This program is FREE to everyone courtesy of Team Schneider.”

“There are many renters who want to become a homeowner and others who lost their home in the past and they’re not sure they can ever qualify to own a home again,” said Alice Schneider of Cherry Creek Mortgage. “Our Path2Buy coaching system will guide potential buyers through the process of identifying and resolving the issues that are holding them back from making that home purchase. This is not always a quick fi x. It’s a process that can take months and sometimes years to get them in a home. Our free face to face consultation will help these potential home buyers identify their fi nancial strengths and weaknesses.

The Path2Buy program has identifi ed 7 ½ Reasons why the real estate market is stagnant.

1. Job Security/Insecurity - We’ll identify the factors that are causing them concern. In some cases, the problem can be resolved quickly. In other cases, they just may need to weather the current economic conditions.

2. Down Payment - We will help determine the amount that is needed for a down payment on a home. We will give them a plan towards saving for the down payment.

3. Credit - The world of credit is very complex today. We will guide them through the steps necessary to maximize their credit profi le and credit score. Many times they just need to know the rules of the credit game in order to make improvements.

4. Debt to Income Ratio Guidelines - If

their current debt is too high, we’ll help develop a plan to bring their debt under control.

5. Debt to Income Comfort Zone - In this direct deposit and debit card world, we know how hard it is to save. We have created a program similar to the old Christmas club and Layaway programs from years past. We consider their personal comfort level so that they feel secure long after their closing.

6. Misinformation - We also know that other obstacles keep people from moving forward with a home purchase. Today’s newspapers, television and internet are full of misinformation. There is certainly no shortage of “experts” spewing wrong information. We’ll teach them how to recognize fact vs. fi ction.

7. Mobility/Liquidity - We realize that people are concerned about job relocation and being able to sell their home quickly and for a profi t. We will work through these concerns with them.

7.5 Waiting for the Bottom – We will never know when the housing market hits bottom until it already starts moving back up. With the risk of rates potentially increasing, we will show them why now may be the best time to buy.

Whether it’s in 5 months or 5 years they owe it to themselves and their family to get the plan that will put them on the Path2Buy. They will leave with a customized plan that shows them how to save more, cleanup their credit issues, and reduce their monthly debt. Along with the plan, they will also receive OUR commitment to ongoing assistance to help them stay on their Path2Buy.

For more info on the Path2Buy program, please contact Cherry Creek Mortgage – Team Schneider today at (719) 433-7651.

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FREEwww.fepublications.com

17


18

SNIPPETZ® BUSINESS, FINANCE & LAW

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

“MUNIS” CAN STILL WORK FOR

YOU - EVEN IN TOUGH TIMES

Provided by Adam Graysonof EdwardJones Investments

No matter where you live, the chances are good that a state or local government near you

may be having some diffi culty in bal-ancing its budget. As a citizen, you’re probably concerned about how this situation will affect your life and your community. But as an investor, you may also wonder how this might affect any municipal bonds you own. Fortunately, the outlook might be brighter than you think.

Of course, taken to the extreme, the fi nancial challenges of some state and local governments could conceivably affect their ability to fulfi ll the pay-ment obligations on their municipal bonds. But investment-grade quality municipal bond default rates histori-cally have been very low, especially when compared to those of corporate bonds. And municipalities are cutting spending, eliminating nonessential programs and, in some cases, raising taxes or fees. In short, they are taking steps that, while potentially painful to residents, are likely to help them continue making timely payments of interest and principal on their munic-ipal bond obligations. Furthermore, municipalities must still fund various projects, and even one bond payment default could impact their future abil-ity to borrow money in the form of new municipal bonds.

So are munis right for you? The an-swer depends on your situation — your goals, need for investment in-come, current investment mix, risk tolerance and so on. But if you want to receive interest payments that are exempt from federal taxes, you may well be interested in exploring mu-nicipal bonds. Keep in mind, though, that municipal bonds may be subject to state and local taxes and the alter-

native minimum tax (AMT).

In addition, you’ll want to be familiar with “taxable-equivalent yield.” Typi-cally, municipal bonds pay an interest rate that’s lower than those paid by taxable bonds. Since this interest is free from federal taxes, however, the rate may not be as low as it appears. The taxable-equivalent yield mea-sures the rate you’d have to earn on a taxable bond to match the income from a tax-exempt municipal bond. And the higher your tax bracket, the higher your taxable-equivalent yield.Suppose that you’re in the 35% mar-ginal tax bracket, and you are consid-ering a tax-exempt municipal bond with a 3.33% yield. You simply divide 3.33% (0.0333 in decimal form) by 1 minus 0.35 (your tax bracket), which would give you 0.0512, or 5.12%. In this tax bracket, a muni with a 3.33% yield is equivalent to a taxable bond with a 5.12% yield. (This example is for illustration purposes only.)

Keep in mind that, before investing in bonds, you should understand the risks involved, including interest rate risk, credit risk and market risk. Bond investments are subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease, and you can lose principal value if the in-vestment is sold prior to maturity. So it’s best to discuss municipal bonds with your fi nancial and tax advisors.

By adding quality municipal bonds to your portfolio, you can show faith in your municipality, your investment dollars can help support worthwhile projects in your area, and you re-ceive a steady source of tax-exempt income.

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

Edward Jones, its employees and fi -nancial advisors cannot provide tax or legal advice. Please consult your attorney or qualifi ed tax advisor re-garding your situation.

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

Thursday, June 16, 2011

SNIPPETZ® BUSINESS, FINANCE & LAW

19

❖ 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

MORTGAGE SCAMTARGETS DESPERATE

HOMEOWNERS

Leave it to the scammers to fi nd a way around the law. In this case, they’ve dis-covered a way to separate desperate hom-

eowners from their money in a new wrinkle on mortgage scams.

Homeowners across the country have been re-ceiving letters in the mail about mortgage “mass joinder” lawsuits. These letters promise to bring

mortgage companies to their knees in courts of law and to get mortgages modifi ed, bringing re-lief to the homeowners who are on the verge of foreclosure. These letters are personalized with the name of the homeowner and the mortgage company, as well as the amount of the loan. They claim to be able to stop foreclosures, get pay-ments reduced and even get compensation.

Naturally, huge upfront fees are demanded -- $5,000 in most cases.

Last fall, the Federal Trade Commission tried to address consumer mortgage scams with the Mortgage Assistance Relief Services Rule.

The new ruling says that 1) companies cannot demand fees until the homeowner has in hand a document from the lender that outlines an ac-ceptable written offer; 2) the company must tell the homeowner what happens if they stop pay-ing the mortgage; 3) consumers must be told that they don’t have to accept any offers (and don’t have to pay the fees if they reject any offer the company has negotiated); 4) the fee has to be disclosed, and 5) the company must disclose that it’s not part of the government.

Attorneys are exempt from the rule if they prac-tice law, have a license in the state where the consumer lives or the property is, and comply with their state laws. Additionally, they have to put fees paid to them in a special client account.The scammers’ workaround of the new ruling? They’re not actually offering mortgage modifi -cation help. They’re only offering to sue, using attorneys, and they’re doing it on an hourly ba-sis.

If you’re fi nding it hard to pay your mortgage, contact your lender fi rst. They don’t want your house back. Most of them want only to help you fi nd a way to pay the debt and will try to work something out.

If you receive one of those mass joinder letters, let your local Better Business Bureau and the FTC know so they’re aware that the companies are working in your area.

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

6475, or send e-mail to [email protected].


Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200

Colorado Springs, CO 80921

(719)488-9395

DIVORCE / FAMILYLAW

Experienced - Affordable - Convenient

Please visit our comprehensivewebsite for divorce information:

www.cmeyerlaw.com

VALUE

Call for appointment • FREE initial consultation

THE LAWACCORDINGTO STEVENS

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

BUSINESS CONTRACTS:

THE ESSENTIALS© July 2005, Lisa Welch Stevens, Esq.

When entering into an agreement, the surest way to avoid disputes is to put the terms in writing. At a small claims trial I tried

last month the judge put it best: “We all know why we are here. It’s why we’re always here. Nobody put anything in writing.” Many small business people are reluctant to ask for a written agreement, thinking it unnecessary, or that it implies a distrust of the other party. I can assure you: written agreements avoid disputes, and provide a type of “insurance” against deals gone bad.

Obviously, the ideal situation is to have an attorney draft the contract, tailored to your situation. However, not all small business people want to do that. There are form agreements available in business supply stores, over the Internet, in form books, etc. You can try adapting such forms to your situation. However, it is important to be careful: not all form agreements comply with Colorado law, and not all forms are well-drafted. You can also write up your agreement yourself; something is better than nothing.

As a checklist, here are some provisions

that should be included:

• Names of the parties, and types of entities;• Effective date, and termination date if any;• Purpose of the agreement;• Representations, warranties, guarantees, defi nitions;• Performances and payments required of the parties;• Events of default or breach;• Remedies for default or breach;• Releases and indemnifi cations;• Disclaimers;• Merger clause;• Choice of law provision;• Jurisdiction and venue clause;• Survival clause;• Attorney’s Fees clause;• Waiver of Breach clause;• Severability clause;• Provisions for contract to bind heirs, successors and assigns;• Notice clause;• Interpretation clause;• Signatures.

It is not distrustful to ask others to sign a contract – it is the professional way to run your business. A written contract makes all parties secure in the terms of their agreement, and saves money in the long run, through avoiding costly litigation and lost relationships because of bad feelings. Anyone unwilling to sign a fair, simple contract is probably not someone you want to be doing business anyway – it is sign of potential problems down the road. As always, consult your legal advisor regarding your specifi c situation.

This article is intended for general informational purposes only, and does not constitute the proffer of legal advice. As always, consult your legal advi-sor regarding the facts of your particular situation.

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

Representing Colorado Businessesand Business Owners

719.488.9395

202020


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