snippetz issue 434

20
Larry E Stiltner Agency 481 Hwy 105 Suite 212 (719) 481-8382 Bus Monument, CO 80132 All your protection under one roof. ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 www.amfam.com NA-07497 Rev. 1/03 S n I p p e S n I p p e t z ® t z OF NORTHERN EL PASO COUNTY & LARKSPUR SNIPPETZ RECOGNIZES VOLUNTEERS: GIVING TO THE COMMUNITY Volunteers... Continued on Page 2 719-488-1400 www.monumentcoins.com [email protected] In the MONTEVERDE Center 325 2nd St. Suite U, Monument Co Bring this ad to receive an Extra 5% when we buy your Gold NOW OPEN MONUMENT COINS Buy • Sell • Trade…Coins, Gold & Silver Get TOP DOLLAR in CA$H for your OLD GOLD Jewelry! Host a Gold Party with your Friends, And Receive Extra Cash!!! Al Dobrick - 30 Years Exp 24 Month Certificate of Deposit 2.07% APY* A SPECIAL BRAND OF ACCOUNTS Minimum Deposit $500.00 Penalty for Early Withdrawal *Rates subject to change *APY based on quarterly compounding Annual Percentage Yield as of November 9, 2009 FIRST NATIONAL BANK MONUMENT 625 Hwy 105 Member 719-481-0008 11 Month Certificate of Deposit 1.22% APY* Minimum Deposit $500.00 Penalty for Early Withdrawal *Rates subject to change *APY based on quarterly compounding Annual Percentage Yield as of November 9, 2009 Janet Susan Terry 430 Beacon Lite Rd. #155, Monument (719) 481-6555 FUNDER ENLIGHTENING INC. FREE WEEKLY ISSUE 434 FEBRUARY 22, 2010 by Deborah Stumpf “Everyone can be great because anyone can serve. You don’t have to have a college degree to serve. You don’t even have to make your subject and your verb agree to serve... You only need a heart full of grace. A soul generated by love...” - Dr. Martin Luther King, Jr. Y ou see them in many places, from schools to hospitals to voting pre- cincts to animal shelters and at nat- ural disaster sites, and sometimes their presence is not so obvious. They run the gamut in age from children to seniors and come from all walks of life and all skills and education levels from clerks to engi- neers to presidents. They are volunteers. Millions of people are out there working in our communities for NO PAY. Who are they and why do they do it? Well, maybe it’s the fringe benefits.

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SNIPPETZ RECOGNIZES VOLUNTEERS: GIVING TO THE COMMUNITY

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Page 1: Snippetz Issue 434

All your protection under one roof.

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

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

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

All your protection under one roof.

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

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

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

All your protection under one roof.

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

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

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

SnIppeSnIppetz®

tznnInnnnnnnnnnnIIIIIIIIIpppppppppppppppp zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzOF NORTHERN EL PASO COUNTY & LARKSPUR

SNIPPETZ RECOGNIZES VOLUNTEERS: GIVING TO THE COMMUNITY

Volunteers... Continued on Page 2

719-488-1400www.monumentcoins.com

[email protected] the MONTEVERDE Center

325 2nd St. Suite U, Monument Co

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

NOW OPEN

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

Get TOP DOLLAR in CA$H

for your OLD GOLD Jewelry!Host a Gold Party with your Friends,

And Receive Extra Cash!!!

Al Dobrick - 30 Years Exp

24 MonthCertifi cate of Deposit

2.07% APY*

A SPECIAL BRAND OFACCOUNTS

Minimum Deposit $500.00Penalty for Early Withdrawal*Rates subject to change*APY based on quarterly compoundingAnnual Percentage Yield as of November 9, 2009

FIRST NATIONALBANK MONUMENT625 Hwy 105

Member 719-481-0008

11 MonthCertifi cate of Deposit

1.22% APY*Minimum Deposit $500.00Penalty for Early Withdrawal*Rates subject to change*APY based on quarterly compoundingAnnual Percentage Yield as of November 9, 2009

Janet Susan Terry

430 Beacon Lite Rd. #155, Monument(719) 481-6555

FUNDER ENLIGHTENING INC. • FREE WEEKLY • ISSUE 434 • FEBRUARY 22, 2010

by Deborah Stumpf

“Everyone can be great because anyone can serve. You don’t have to have a college degree to serve. You don’t even have to make your subject and your verb agree to serve... You only need a heart full of grace. A soul generated by love...”

- Dr. Martin Luther King, Jr.

You see them in many places, from schools to hospitals to voting pre-cincts to animal shelters and at nat-ural disaster sites, and sometimes

their presence is not so obvious. They run the gamut in age from children to seniors and come from all walks of life and all skills and education levels from clerks to engi-neers to presidents. They are volunteers. Millions of people are out there working in our communities for NO PAY. Who are they and why do they do it? Well, maybe it’s the fringe benefi ts.

Page 2: Snippetz Issue 434

SNIPPETZ RECOGNIZES VOLUNTEERS:

GIVING TO THE COMMUNITY

Volunteers... Continued from Page 1

2

719-271-8742Almost Everything Fixed

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THIS WEEK IN SNIPPETZ

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

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

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

NEXT WEEK IN SNIPPETZ

FEATURE ARTICLESJeff Burum’s Tax Advice... 5

Tai Yi - Lost Love... 6

Moments In Time... 8

Senior News Line... 12

Strange But True... 13

REAL ESTATE 9Robin’s Rap... 9

PET PAGE 9SAINT Animal Rescue

SNIPPETZ BUSINESS DIRECTORY PAGE 10

Local Businesses on the Go!

HEALTH AND WELLNESS 10-11Exposed: The Five Biggest Myths... 11

CLASSIFIED PAGE 13GREAT BARGAINS - Find Your Treasure!

Business / Employment Opportunities

THE DINING GUIDE PAGES 13-15Patricia’s Café... 15

Good Housekeeping One... 15

PUZZLES, TRIVIA,ENTERTAINMENT 16-17

Trivia Test • Sports Quiz • Flash Back

Super Crossword • Weekly Sudoku

Couch Theater DVD Previews

Huey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

BUSINESS AND FINANCEPAGES 18-19

Financial Focus ... 18

The Law According to Stevens ... 19

Dollars and Sense... 19

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

SNIPPETZ HAS GONE TO THE DOGS: THE IDITAROD RACE

Volunteers... Continued on Page 3

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

WH

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A COUNTRY BUILT ON VOLUNTEERISMVolunteerism isn’t just the latest trend in the United States. Certainly our last several presidents have encouraged citi-zens to serve others to help make the country stronger. But the volunteering spirit has been around since the colonies were forming. Historians document the helping spirit that came along with settling in the new land from the early colonial days to the pioneers as they moved across the west. There was no such thing as hiring someone in town to build the barn. The neighbors helped. They also helped with farming the land, getting through diffi cult diseases and anything else that needed to be done in the commu-nity.

OTHER NOTABLE VOLUNTEER FIRSTS:• The fi rst volunteer fi rehouse was started by Benjamin Franklin in 1736 and many fi re departments continue to operate under this volunteer system today.• The Revolutionary War brought together citizens to boycott against English products and raise money for the war.• During the 1830’s churches became more involved in outreach programs to help the poor and hungry, particu-larly through their youth membership.• The YMCA began in the mid 1800s on a college campus in Michigan.• The American Red Cross started in 1881.• United Way was founded in 1887, originally called Charity Organizations Society. It was founded by – and this is no joke – a rabbi, a priest and two ministers who wanted to work together to address Denver’s health and welfare issues.

It was the 20th century that saw the real boon in altruistic activity beyond churches and neighbors.

• By 1910 the Rotary Club was founded and by 1920 both the Lions and Kiwanis clubs were working within their communities. • The Great Depression brought soup kitchens to feed the hungry.• During the 1930s the Conservation Corp planted 3 mil-lion trees with the help of President Roosevelt.• During World War II, volunteerism was pervasive in helping servicemen and women and their families left back home.• In the 1960s, volunteerism took on a more activist role. The era was about more than peace, love and rock and roll; people were working against poverty, violence and inequality. Volunteerism was more of a movement against the status quo.

Twenty-fi rst century volunteerism has many faces – from good old fashioned helping and working in the commu-nity to activism for causes such as the environment, ani-mal rights and equal rights for everyone no matter race, religion, gender or sexual orientation.

SOME STATSThe numbers are astounding. According to the U.S. Bureau of Labor Statistics, as of September 2009, 63.4 million or a whopping 26.8 percent of the population volunteered at

least once for or through an organization during the prior 12-month period. • Women volunteer more than men across all educational levels and age groups. Just over 29 percent of women vol-unteer versus 23.3 percent of men.• The most likely age of volunteers is between 35 and 54. The rates are lowest at 18.8 percent in the early 20s group as well as those age 65 and older.• Married folks volunteer more than unmarried – 32.3 percent versus 20.6 percent respectively. And parents with children under the age of 18 volunteered at the rate of 34.4 percent versus 23.9 percent for the married without chil-dren group.• Those with higher levels of education volunteered more than those less educated, dispelling a common myth that volunteers are uneducated women or the neighborhood busybodies.• More employed people volunteered than unemployed – 29.7 percent as compared to 22.9 percent.

WHAT DO THEY DO?More from the U.S. Bureau of Labor Statistics:

• Older volunteers as well as less educated ones tend to volunteer for religious organizations. • Those with a higher level of education tend to volunteer for sports, hobby, cultural or arts organizations.• Not surprisingly, parents tend to volunteer for schools or scouting groups whereas those without children tend to volunteer for health organizations such as hospitals or so-cial community organizations.• Volunteer activities mostly center around fundraising, as well as food-related activities that involve collecting, preparing, distributing or serving. Men most likely vol-unteer for general labor, coaching or refereeing in sports

Page 3: Snippetz Issue 434

3

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Volunteers... Continued from Page 2

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activities as well as providing management assistance. Women’s activities also involve fundraising, activities involving food, and tutoring or teaching.

WHO SEEKS OUT WHOM?About 44 percent of volunteers were asked to help whereas about 41 percent sought out volunteer opportunities on their own.

NOW FOR THEFRINGE BENEFITS

Volunteering provides signifi cant health benefi ts:• Longer lifespan• Less depression• Better functional abilitiesOlder persons tend to experience more of the health benefi ts than younger volunteers, possibly because volunteering is a way to stay more active, which in turn increases life expectancy.

The nontangible benefi ts:• Stronger connections with others• Strengthening communities in which we live• Improving and changing the lives of oth-ers• Improving and changing the life of the volunteer• A sense of pride and satisfaction

BENEFITS FROM THE MOUSENeed a little incentive? In order to entice a million people to volunteer one day of service at any time over this year, Disney is offering a free day at a Disney Park as a reward. Not just a stroke of marketing genius, the Give a Day, Get a Disney Day program is a huge success and has already enticed 600,000 to sign up for the program as of Feb. 15.

The caveat is that the service must be per-formed for a Disney approved organization or activity. Some examples are Habitat for Humanity, animal shelters, Destination ImagiNation and hundreds more. Children are eligible if accompanied by a parent for their volunteer service, so the entire fam-

ily can earn a free day. To register and fi nd opportunities in a geographic area of your choice, visit their Web site at www.dis-neyparks.com. But hurry, the offer expires once the numbers hit 1 million or Dec. 15, 2010, whichever is sooner.

GOT AN HOUR?The benefi ts are there but where to start. Here are some ideas:• Schools, schools, schools. Schools have always needed volunteers, but with mas-sive budget cuts, they need even more help. And, stronger, healthier schools increase property values for everyone. Another fringe benefi t.• Libraries and the arts – facilities that al-ways need volunteers and provide much for the community in the way of services and more of those fringe benefi ts. • Hospitals and blood banks• Animal shelters• Food banks• Homeless shelters

STILL LOOKING?There are numerous Web sites that offer information about volunteer opportunities. One developed by President Obama and the First Lady in partnership with the Cor-poration for National and Community Ser-vice is United We Serve. Individuals and organizations can register their need for volunteers on the Web site at www.serve.gov, as well as fi nd service opportunities in the geographic and interest area of their choice.

The Points of Light Institute is an orga-nization which was formed in 1990 after President George H.W. Bush’s inaugural address in which he expressed his vision for “a thousand points of light” in service to the country and community. The orga-nization is nonpartisan as is Serve.gov and promotes volunteerism as well as acting as a source of volunteer opportunities.

No one could say it better than Margaret Mead: “Never doubt that a small group of thought-ful, committed citizens can change the world; indeed, it’s the only thing that ever has.”

Page 4: Snippetz Issue 434

4

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

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Page 5: Snippetz Issue 434

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JEFF BURUM’S ADVICE ON HOW TO TAKE

ADVANTAGE OF THE CURRENT NEW HOME

BUYER CREDIT

Monument, CO If you purchased a home in 2009 or early 2010, you may be eligible to claim the First-Time Homebuyer Credit, whether you are a fi rst-time homebuyer or a long-time resident purchasing a new home.

Here are seven things the IRS wants you to know about claiming the credit:

• You must buy(Not Refi nance) – or enter into a binding contract to buy – a principal residence located in the United States on or before April 30, 2010. If you enter into a binding contract by April 30, 2010, you must close on the home on or before June 30, 2010.

• To be considered a fi rst-time homebuyer, you and your spouse – if you are married – must not have jointly or separately owned another principal residence during the three years prior to the date of purchase.

• To be considered a long-time resident homebuyer you and your spouse – if you are married – must have lived in the same principal residence for any consecutive fi ve-year period during the eight-year

period that ended on the date the new home is purchased. Additionally, your settlement date must be after November 6, 2009.

• The maximum credit for a fi rst-time homebuyer is $8,000. The maximum credit for a long-time resident homebuyer is $6,500.

• You must fi le a paper return and attach Form 5405, First-Time Homebuyer Credit and Repayment of the Credit with additional documents to verify the purchase. Therefore, if you claim the credit you will not be able to fi le electronically.

• New homebuyers must attach a copy of a properly executed settlement statement used to complete such purchase. Buyers of a newly constructed home, where a settlement statement is not available, must attach a copy of the dated certifi cate of occupancy. Mobile home purchasers who are unable to get a settlement statement must attach a copy of the retail sales contract.

• If you are a long-time resident claiming the credit, the IRS recommends that you also attach any documentation covering the fi ve-consecutive-year period, including Form 1098, Mortgage Interest Statement or substitute mortgage interest statements, property tax records or homeowner’s insurance records.

For more information about these rules including details about documentation and other eligibility requirements visit IRS.gov/recovery.

Jeff Burum, CPA, MBA, MA, IAR has 22 years of experience in income and estate tax planning. He is an independent, Investment Advisor Representative and provides comprehensive fi nancial services for businesses and individuals through his brokers The Leaders Group, Inc. and TLG Advisors, Inc. He is a former instructor of individual, corporate, partnership, estate and trust taxation, and an Assistant

Professor of accounting and taxation at Colorado Technical University. He is also the former Chief of Budget at the United States Air Force Academy where he managed a $300M operating budget, past President of the Colorado Springs Chapter of the Colorado Society of Public Accountants, a Desert Storm/Desert Shield Veteran, and a 1984 Air Force Academy graduate. Jeff opened his second offi ce in Monument, CO in November, 2009.

For additional informationplease call:

(719) 488-5637

Page 6: Snippetz Issue 434

6

SNIPPETZ®: THE LOCAL SCOOP

EMPOWERMENT THROUGH HEALING, LLC

[email protected] • www.empowermentthroughhealing.com • Monument, CO

Tai Yi Energy Practitioner - Tami Urbanek

Under mental, emotional, or physical stress? Low immune system? Anxiety? Depression? Lack of focus?

Tai Yi means Supreme Movement and is an ancient form of Chinese energy work that is similar to acupuncture and can assist in many ailments.

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Love is a powerful motivator and can become painful for some of us. Many people

grew up with loving parents, but some did not. Some had parents who tried to love, but were perhaps not taught love themselves by their own parents. As a child, we either learn

TAI YI - LOST LOVEhow to love by example and by how we were treated as a child, or we were taught that love is painful and should be avoided. If a child was taught that love is painful, whether that teaching was straight-forward or more by example, then the child often times grows into an adult who does not understand how to attract love or loving relationships.

The symptoms of this would be an adult who makes the statement, “I want love”, but that person may push away opportunities for love or may sabotage what could have become a healthy relationship. The person’s symptoms would also be a lot of self-judgment, self-criticism, self-doubt, and self-sabotage. These symptoms create pain again and again. The person may recognize the symptoms and may try to stop the symptoms, but to no avail. Be-cause, it has become such a pattern, but also, one does not heal an issue by working on the symptom, one heals an issue by working on the is-sue. In this case, the person has not been taught unconditional love and therefore may not recognize it or have any for her or himself.

One needs to carry unconditional self-love (not arrogance or ego) to attract it. Like energy attracts like energy. A Tai Yi (pronounced Tie Yee) exercise that addresses this is-sue is Lost Love. Lost Love is for people who have forgotten how to love and they push away and mis-interpret ‘taking care of’ for love. Most people do not understand that ‘love’ energy of heart chakra is gold. Gold light is highest vibra-tional light-no gold light that can be duplicated that matches actual gold light.

People want to hold onto external experience when they think of love. This exercise is for ones who want to feel and understand their ability to love, to really understand the dif-ference between taking care of and love. People place blocks to deny same thing they say they want and go in a different direction. Mass consciousness is denial of love. True essence of love is not fully un-derstood. Those who have tendency to push away opportunities and are not aware are ones good for this ex-ercise.

In ones’ mind/emotions there will have markers and once they reach that marker, they prepare for next level. Some markers are presented once only-some are presented mul-tiple times.

Tami Urbanek

For more Tai Yi exercises andTai Yi History, visit:

www.empowermentthroughhealing.com

Page 7: Snippetz Issue 434

SNIPPETZ®: THE LOCAL SCOOP

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Page 8: Snippetz Issue 434

8

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• On Feb. 24, 1786, Wilhelm Karl Grimm, the younger of the two Brothers Grimm, is born in Germany. Grimm’s Fairy Tales were produced in several volumes between 1812 and 1822. Tales in the Grimm collec-tion include “Hansel and Gretel,” “Snow White” and “Little Red Riding Hood.”

• On Feb. 27, 1827, a group of students dance through the streets of New Orleans, marking the beginning of the city’s famous Mardi Gras celebrations. Inspired by their experiences studying in Paris, the students donned masks and jester costumes and staged their own Fat Tuesday festivities.

• On Feb. 25, 1870, Hiram Rhoades Rev-els, a Republican from Natchez, Miss., is sworn into the U.S. Senate, becom-ing the fi rst African-American ever to sit in Congress. During the Civil War, Revels, a college-educated

minister, helped form black army regi-ments for the Union cause.

• On Feb. 28, 1932, the last Ford Model A is produced. The Model A boasted a peppy 40-horsepower, four-cylinder engine with a self-starting mechanism. The Model A had a base price of $460. Five million Model A’s rolled onto American highways between 1927 and 1932.

• On Feb. 23, 1954, a group of children from Arsenal Elementary School in Pitts-burgh, receive the fi rst injections of the new polio vaccine developed by Dr. Jonas

Salk. A later version of the polio vaccine, developed by Albert Sabin, was swallowed instead of injected.

• On Feb. 26, 1972, a dam collapses in West Virginia, fl ooding a valley and killing 118 people. Tailings, the byproduct of coal mining, was the cause, as the material is unstable when dumped on hills. The Buf-falo Mining Company, which was respon-sible for the tailings, was forced to pay $30 million in damages.

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• On Feb. 22, 1980, the underdog U.S. hockey team, made up of college players, defeats the four-time defending gold-med-al winning Soviet team at the XIII Olympic Winter Games in Lake Placid, N.Y. Two days later, the Americans defeated Finland 4-2 to clinch the hockey gold.

(c) 2010 King Features Synd., Inc.

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Page 9: Snippetz Issue 434

9

SNIPPETZ®: PET PAGE / REAL ESTATE

LOTS OF PERSONALITY!

Robyn GrahamCDPE, ABR, GRI, QSC, CLHMS, CDPE

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Homeowners…Protect Your Home!

18 Things Your Burglar Won't Tell You

8. I also love it when your alarmcompany neglects to install an alarmon the windows on the second floor.

9. If it's raining or snowing, and youforget to lock your house, under-stand this: I don't take a day offbecause of bad weather.

10. I always knock first. If youanswer, I'll ask for directions some-where or offer to clean your gutters.I can have a business cards madefor anything. If you don't answerwhen I knock, I try the door.Occasionally, I hit the jackpot andwalk right in.

11. Do you really think I won't look inyour sock drawer? I always checkdresser drawers, the bedside table,and the medicine cabinet. You knowthough, I almost never go into kids'rooms.

12. You're right, I won't have enoughtime to break into that safe whereyou keep your valuables. But if it'snot bolted down, I'll take it with me.

13. I don't go into homes with TV orradio noise. Some people even buya $35 device that works on a timerand simulates the flickering glow ofa real television. (Find it atfaketv.com.)

14. I also watch dark homes, solamps around the house on timerswould deter me.

15. The two things I hate most: louddogs and nosy neighbors.

LIBRARY OF ALLPAST ARTICLES:

www.SpringsRealtyTalk.com

For further information, please feel free to call

Robyn Graham at Keller Williams Real Estate

719-216-4421 or [email protected]

16. I'll break a window to get in, evenif it makes a little noise. If your neigh-bor hears one loud sound, he'll stopwhat he's doing and wait to hear itagain. If he doesn't hear it again, he'lljust go back to what he was doing.It's human nature.

17. To you, leaving that window openjust a crack during the day is a way tolet in a little fresh air. To me, it's aninvitation.

18. I love it when you announce yourvacation on your Facebook page. It'seasier than you think for me to lookup your address.

Sources: Convicted burglars inNorth Carolina, Oregon, California,and Kentucky; security consultantChris McGoey, who runs crimedoc-tor.com; and Richard T. Wright, acriminology professor at theUniversity of Missouri-St. Louis,who interviewed 105 burglars forhis book Burglars on the Job.

5. I've been watching for thosenewspapers piling up on the drive-way so I know when you're out oftown. And I like to leave pizza flyersin your front door to see how long ittakes you to remove it.

6. I like it when it snows while you'reout of town. If you get a neighbor tocreate car and foot tracks into thehouse I wouldn't know you're gone.

7. I love it when I can see youralarm pad from a window. Then Ican see if your alarm is on or not.I'm not complaining, but why wouldyou pay all that money for a fancyalarm system and leave your housewithout setting it?

1. Of course I look familiar. I washere just last week cleaning yourcarpets, painting your shutters, ordelivering your new refrigerator.

2. Sometimes, I carry a clipboard.Sometimes, I dress like a lawn guyand carry a rake. I do my best tonever, ever look like a crook.

3. Hey, thanks for letting me use thebathroom when I was working inyour yard last week. While I was inthere, I unlatched the back windowto make my return a little easier.

4. Those yard toys your kids leaveout always make me wonder whattype of gaming system they have.

CARMENPlease take a Moment to meet Carmen. Carmen is an Aussie Shepherd/Boxer mix. She is 14 months old and is the sweetest gal you’ll meet! Carmen has one blue eye and one brown. She loves people! Gets along well with children. She has no problem with being in the company of other dogs or cats. Carmen also knows many commands and can walk on a treadmill for inside exercise. She is crate trained, loves to play Frisbee and catch!

Carmen is spayed and is up to date on all her shots. Her family is a military and has to say a tearful goodbye to her.

TIPSThis young lady is Tips and she is 6 months old. She is an Aussie/Border Collie and loves to play! She is from a home that has many other dogs and does well with them but will need that special one on one att enti on and training. We are not sure how Tips is with children and we are not sure how she’ll do with cats.

Tips has a lot of herding insti ncts in her so care must be taken in a home with children. A home with older children would be best for a happy relati onship.

If you think Carmen or Tips would fi t into your loving family and you would like to adopt either of them, please call SAINT Animal Rescue located in Calhan. Our phone number is 541-3099 but you might need to use the 719 area code.

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

Please visit our website at saintanimalrescue.org

and as always thank you for caring.

Page 10: Snippetz Issue 434

10

SNIPPETZBUSINESS DIRECTORY

THE PLACE TOFIND LOCAL

BUSINESSES ON THE GO!

INSURANCE

AMERICAN FAMILY INSURANCELarry E Stiltner Agency481 Hwy 105 Suite 212

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AUTOMOTIVE

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

FENCING

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and repairing all types of fence FREE ESTIMATES

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LANDSCAPING

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PAINTING

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ROOFING

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ACCOUNTANT

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Page 11: Snippetz Issue 434

11

SNIPPETZ® HEALTH AND WELLNESS

Bonnie B. Baswell, M.D.Eric L. Caplan, M.D.Kathy Warner, PA-C

Specialized Adult and Pediatric

Allergy and Asthma Care

Now in Monument

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

Individualizedtreatment for:

Nasal AllergiesChronic Sinusitis

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550 Highway 105Monument, CO 80132Wednesday Afternoons

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•!&':+%•%B+"4-2"%•%3./54C.5.10.%•%37.#"+/"D.@%E.)0'1+/%B)+"1"1: •!F.":2,%G'00%E+#$+:.0%•!HA7+1@.@%9'()0%•!+1@%I(#2%I').J%"#$%!&'()!*++,-++.!/.01)!•!22234)56783+.9!

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EXPOSED: THE FIVE BIGGEST WEIGHT LOSS AND

FITNESS MYTHS THAT KEEP YOU

FROM LOSING THE WEIGHT YOU HAVE ALWAYS DREAMED

OF…

WEIGHT LOSS AND FITNESS MYTH #1: Dieting will eliminate fat. Your body cannot discriminate between intentional calorie deprivation and starva-tion. When you dramatically reduce calo-rie intake, the body shifts into a protective mode by slowing down the metabolism and holding onto fat as an energy source while burning muscle mass (a preferred fuel source) to meet the energy demands of the body. Yes, you will lose weight in the beginning of the diet, but it won’t be fat loss unless you combine exercise. Additionally, harsh diets slow down your metabolism to a crawl, in turn, fat loss slows down to a crawl and causes a re-bound effect to set in. A rebound effect is analogous to yo-yo effect. The body responds to the initial metabolic drop by increasing the rate it stores body fat while decreasing the rate it burns body fat. You’ll end up fatter than you were before the diet began! WEIGHT LOSS AND FITNESS MYTH #2: Pills, Powers and Shakes make you Skinny. Fat burners, diet pills, metabolic boosters – you know who gets the most out of these products? The manufacturers and sellers who are mak-ing millions of dollars on these products at your expense. Many of which can be dangerous to your health. Don’t believe me? The next time you see and advertise-ment in a magazine or a commercial on TV for a magic diet pill, listen to the DIS-CLAIMERS AND WARNINGS that ac-company the product. They may promise weight loss, but will they be detrimental to your health and well-being at the same time? Dieting in any form that denies your body of essential nutrients needed to function effi ciently will not produce last-ing results. When you stop the diet, you will inevitably regain all the weight you lost – PLUS SOME.

WEIGHT LOSS AND FITNESS MYTH #3: Aerobic Exercise Burns the Most Fat. I see women who spend 4 days per week, 40 minutes or more at a time, on a stair-stepper, treadmill or bicycle that don’t lose weight. I know of men who run six miles a day and still have rolls of fat around their mid section. What’s the

catch? Aerobic exercise (cardiovascular activity) must be sustained at a certain in-tensity in order to prompt substantial fat loss, and it must be accompanied by re-sistance training in order to maintain lean tissue and prompt an increase in metabolic burning. Muscle mass burns, at rest, ap-proximately 35 to 50 calories per pound of muscle / per day. Fat mass, at rest, burns no extra calories. If you really want to lose weight and burn fat quickly, combine strength training with aerobic workouts. The results will be amazing!

WEIGHT LOSS AND FITNESS MYTH #4: Weight Training Doesn’t Burn Fat. This myth came about when people started monitoring the calories they burned with each exercise session. The cardiovascular activities always came in fi rst – thus, people assumed weight train-ing wasn’t burning fat. Nothing could be further from the truth! What people didn’t look at were the lasting effects on metabolism that each weight training ses-sion had. Muscle, being an active tissue, has the ability to keep on burning calories long after the weight training session is over. The more muscle mass you have, the greater the calorie burn. How do you get more muscle mass? Start lifting weights!

WEIGHT LOSS AND FITNESS MYTH #5: Tummy Trimmers and Ab Rollers Can Spot Reduce the Mid Section. All over the country people are falling for infomercials touting muscle-specifi c exer-cises for a fl at belly. You cannot reduce the size of your waist by working the abdomi-nal muscles alone. Nor can you reduce the size of your hips and thighs by working your hips and thigh muscles alone. The only way to sculpt the body is by combin-ing a precise program of supportive nutri-tion, adequate resistance training and the right balance of cardiovascular activity. If it sounds hard, it’s not. It’s just hard to cut through all the misinformation and total nonsense being shoved down your throat by companies attempting to further line their pockets at your expense.

So What is the Ultimate Secret to Success-fully and Rapidly Achieve Your Weight Loss and Fitness Goals?

Join me next week when I reveal the Five Secrets that Helped Me Reach My Fitness and Weight Loss Goals – or call / email me Today for a FREE Fitness Consulta-tion. The only thing you have to lose is Weight!

By: Susan Iverson, M.S.Certi fi ed Advanced Personal Trainer

Sports Nutriti on andWeight Management Consultant

Fitness Professional for Over 25 Years!Owner – REPS Personal Training

and Fitness - (719) 481-9021

Page 12: Snippetz Issue 434

12

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

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CUSTOM HOME FOR RENTOff County Line Rd. 6 bedrooms / 4 baths, 3 car garage. $2250/mo. Short or long term lease. Pets OK. Owner/Agent. Call Jim: Stiltner Realty - 719-964-3526

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BUSINESSOPPORTUNITIES

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Are you ready to go out on your own and make more money? Mountain Air Salon in Monumentis looking for stylists. Best rent in town. Group health insurance available. 2 weeks FREE rent!

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You can’t open the newspaper or turn on the television nowa-days without reading or hear-

ing about cell phones causing brain cancer. One state is even about to re-quire that warnings be placed on the phones. It’s almost enough to make you stop using them.

There have been multiple studies around the world with confl icting and contradictory results. Can cell phones cause brain cancer? The jury is still out.

On the other side of the coin, there are some very good reasons for seniors to have a cell phone, not the least of which is being able to contact someone if there’s an emergency when you’re out driving.

If you’re running late for an appoint-ment, isn’t it easier to pick up your

cell phone and call than to drive up and down the street looking for a pay phone? And what if you need direc-tions?

Now we fi nd that there might be a plus to cell phone use: The phones might protect against Alzheimer’s disease. A study done with mice by the University of South Florida’s Alzheimer’s Disease Research Center indicates that expo-sure to the electromagnetic waves of cell phones might even reverse memory problems. Those waves, it seems, break apart the brain plaque accumulation that is part of Alzheimer’s disease. Not only that, but in the study, the memory levels of normal mice increased.

Researchers wonder if exposure to electromagnetic fi elds could actually be a treatment for Alzheimer’s in hu-mans, and they are currently working on that.

Still, there’s nothing that says you have to talk on the cell phone all the time. And now, with this new Alzheimer’s research, maybe there’s a reason to keep the phone.

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].

(c) 2010 King Features Synd., Inc.

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Page 13: Snippetz Issue 434

13

SNIPPETZ® LOCAL SCOOP / DINING GUIDE

Samantha Weaver

• It was Fran ois VI, duc de La Roche-foucauld and prince de Marcillac, a noted 17th-century French author and memoirist, who made the following sage observation: “Few are agreeable in con-versation, because each thinks more of what he intends to say than of what oth-ers are saying, and listens no more when he himself has a chance to speak.”

• Rutherford B. Hayes, the country’s 19th president, was the fi rst to install a phone in the White House.

• It was 1948 when the fi rst vinyl mu-sical recording was made. The piece of music so immortalized was Tchiak-ovsky’s “Nutcracker Suite.”

• Although we tend to think of the bikini as a modern fashion innovation, two-piece bathing suits can be seen in mu-rals in the ancient city of Pompeii.

• According to Romanian tradition, a sure-fi re hangover remedy is tripe soup. In Poland, drinking sour pickle juice

is supposed to cure the morning-after agonies. And if you’re in Germany, you should try the local remedy: pickled her-ring.

• The shortest street on record can be found in the small town of Wick, Scot-land. Ebenezer Place is a mere 6 feet, 9 inches long.

• Do you suffer from pogonophobia? If so, you probably have some issues with Santa. Pogonophobia is a fear of beards.

• If you’re like most Americans, you’ve stolen from your employer -- though probably not much. It seems that 58 per-cent of your fellow citizens admit to tak-ing offi ce supplies for personal use.

• The Hundred Years’ War actually lasted 116 years.

• Albert Einstein’s fi nal words are lost to history. He spoke his last words in his birth tongue, German, and it seems that the nurse who was attending him during his last moments spoke only English.

***Thought for the Day: “The most wast-ed of all days is one without laughter.” -- E.E. Cummings

(c) 2010 King Features Synd., Inc.

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• Albert Einstein’s fi nal words are lost to history. He spoke his last words in his birth tongue, German, and it seems that the nurse who was attending him during

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(Includes Beverage)

Breakfast ItemsServed All Day & Night

HAPPY HOURS4PM - 7PM / MONDAY - FRIDAY

Draft Beers $2.50 - $3.50Wines (All Wines $1.00 OFF During Happy Hours)

Liquors (All Single Shot Well Drinks) $2.50Margaritas (Home made Pre-mix) $2.00

OPEN 7 DAYS A WEEK!Mon-Sat - 10:00AM - 10:00PM

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PRIVATE ROOMSeats up to 44

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HOLD YOUR COMPANY,CLUB OR FAMILY

LUNCHEONS/DINNERS HERE!

OFF SITE CATERINGAvailable for your events

Go to: www.ericsmonumentgrille.comfor additi onal informati on

(719) 594-43001455 Cipriani Loop

Monument, Co 80132

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Ice Cream Makerfor a Day

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htt p://www.PikesPeakIceCream.comOPEN 7 DAYS A WEEK!

We cater holiday parti es,off er fundraising opportuniti es for

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freshest, locally sourced ingredientsand our gelato ingredients are

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MONDAY TUESDAY WEDNESDAY

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Tri-Lakes Center for the Arts Presents

January 23 Rob Drabkin - Solo acoustic concert Sat. 7:30 pm featuring Rob’s latest CD release. Voted Colorado’s Best Singer-Songwriter by Westword Music for ‘08 and ‘09!

February 13 Sammy Dee Band - Get a taste of Sat. 7:30 pm Louisiana Texas Style Blues while celebrating Valentines and Mardi Gras all in one night!

February 27 Wendy Woo & Robin Hoch - Acoustic Sat. 7:30 pm duo with Wendy on guitar and Robin on viola are back by popular demand!

March 12 Chuck Pyle - The Zen Cowboy is always Fri. 7:30 pm intriguing the audience with his humble, yet straight forward infectious melodies.

March 21 Hausmusik String Quartet - Chamber Sun. 2:30 pm music at its finest!

Contact the Tri-Lakes Center for the Arts or visit our website at www.trilakesarts.org

for more detailed information. 719-481-0475 * 304 Hwy 105 * Palmer Lake, CO

February 27Saturday, 7:30 PM

Wendy Woo & Robin Hoch - Acoustic duo with Wendy on guitar and Robin on viola are back by popular demand!

March 12Friday, 7:30 PM

Chuck Pyle - The Zen Cowboy is always intriguing the audience with his humble, yet straight forward infectious melodies.

March 21Sunday, 2:30 PM

Hausmusik String Quartet - Chamber music at its fi nest!

Page 14: Snippetz Issue 434

14

SNIPPETZ® DINING GUIDE

NOWCATERING!CATERING!CATERING!

COME ON INAND WATCH THE

WINTER OLYMPICS AND THE NUGGETS!

2/28/10

$1,000 Free Gas Give Away!$100 Gas Gift Card Given Away Every Week at Both Locations!

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

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

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

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

Your Local Ale House!20 Micro Brews on Tap!

Early Bird Special

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

@ Both Locations!Mon thru Fri Before 9am

Give away begins on Monday, February 15, 2010. $100 gift card will be given away from previous weeks entries. Give away will take place on or after 2pm every Monday during the length of the give away.

Must register with valid email address or be present to win. Entries from earlier weeks will not be included in current weeks drawing. Give away at each location will be limited to the entries received at that

location. Enter as many times and as many weeks as you like. No purchase necessary. Must be over 18 to take place in give away. You will have three weeks after the date of email notification to pick up gas card at location of drawing.

Last give away will take place on Monday March 15, 2010.

Like Beer?20 Crafts on Tap!

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Page 15: Snippetz Issue 434

15

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!

PATRICIA’S CAFÉ

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

Bella Panini in Palmer Lake and Bayou BarBQ in Monument

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

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

Bratwurst • Soups • Chili

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CLOSED FOR THE SEASONWE WILL REOPEN IN MARCH

Please Stay Tuned for the Announcement!!Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

CAJUN & BARBQFare

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

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

Website: BAYOUBARBQ.COM

BAYOUBARBQ

WEDNESDAY ISCATFISH DAY!

GOOD HOUSEKEEPING ONE

PEPPER AND EGGSANDWICHES

Add an instant taste of summer to savory winter dishes with a peck of bright pep-pers. When you can’t -- or don’t have

time to -- grill them yourself, grab a 12-ounce jar off the pantry shelf, drain well and chop, and try them in this quick recipe.

1 large sweet onion, chopped

8 large eggs

Red peppers

1/2 teaspoon salt

1/4 teaspoon freshly ground black pepper

4 ounces (1 cup) provolone cheese, shredded

4 (6-inch) hero rolls

1. Spray 12-inch nonstick skillet with nonstick spray; then heat on medium 1 minute. Add onion and cook, covered, 10 minutes or until lightly browned, stirring occasionally.

2. Meanwhile, in bowl, whisk together eggs, salt and pepper. Add red peppers to onion in skil-let. Pour eggs over vegetables; cover and cook 8 minutes or until almost set, stirring occasionally. Sprinkle with provolone cheese; cover and cook 2 minutes or until cheese melts.

3. Spoon egg mixture into hero rolls, split.

Serves 4

For thousands of triple-tested recipes, visit our Web site at www.goodhousekeeping.com/reci-pefi nder/.

(c) 2010 Hearst Communications, Inc.All rights reserved

BABA GANOUSH (EGGPLANT DIP)

2 ea Eggplants 1/3 c Fresh lemon juice¼ c Tahini6 ea Garlic cloves½ tsp Kosher salt

1. Bake eggplant at 400°F for about 40 min-utes until soft and let cool2. Skin eggplant and place in a food proces-sor with rest of ingredients and puree until creamy.

Baba Ganoush is a popu-lar mezzeh (small appe-tizers) in the Arab states

and is served with fl at bread cut. It goes well with hummus and skordalia (a Greek potato garlic dip) as a nice trio of dips with pita bread warmed and cut into wedges. I will often garnish with some olive oil and some diced tomatoes. A little feta cheese works well too as a gar-nish. Baba Ganoush also works well as a spread on sandwiches with some roasted red peppers, onions, sprouts and feta cheese.

As always I like garlic and lemon so feel free to cut back and both or add more if you like more. I always use fresh lemons and juice them myself because it does make a difference in the fl avor. I also always use fresh garlic for the same reason.

As I have said in the past egg-plant is always a tricky one. When picking out an eggplant, there is a trick. If you look at the end (I call it the belly but-

ton, on the opposite end of the stem), look for it to have a line as opposed to a dot. This will be sweet not bitter. The eggplant can be cut in half and grilled out on the bar-b-q for a nice grilled fl avor.

Be creative,have fun and enjoy!!!

Page 16: Snippetz Issue 434

16

(c) 2010 King Features Synd., Inc.

Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. LANGUAGE: What country once was known by the Latin name of Caledonia?

2. GEOGRAPHY: Guadalcanal is part of which island group in the Pacifi c Ocean?

3. MOVIES: Which actors voiced the two main characters, Woody and Buzz, on the “Toy Stories” movies?

4. INVENTIONS: Who is credited with inventing the Hula Hoop?

5. TELEVISION: Who played the character Latka Gravas on “Taxi”?

6. MYTHOLOGY: What was do-main of the Greek god Aeolus?

7. HISTORY: In what war were tanks fi rst used?

8. U.S. STATES: What is the only letter of the alphabet that does not appear in the name of any U.S. state?

9. MEASUREMENTS: The term “vicennial” refers to a period of how many years?

10. GENERAL KNOWLEDGE: What is the symbol for the zodiac sign Capricorn?

1. In 2009, Ian Kinsler became the fourth Texas Rangers player to hit for the cycle in a game. Name two of the fi rst three to do it.2. How many times has St. Louis’ Albert Pujols hit fewer than 32 home runs in a major-league sea-son?3. Who was the last running back to win an NFL rushing title and a Super Bowl in the same season?4. Twice during the 1980s, a school had back-to-back winners of the John Wooden Award for the top men’s college basketball play-er. Name the two schools and the players involved. 5. Colorado goaltender Craig An-derson tied an NHL record in 2009 for most wins in October (10). Who else holds the mark?6. Who was the last NASCAR driv-er before Jamie McMurray in 2009 to win one of the fi nal 10 races of the season despite not being in the Chase for the Cup?7. Name the fi rst female to win 100 career matches at tennis’ U.S. Open.

(c) 2010 King Features Synd., Inc.

SNIPPETZ® PUZZLES AND TRIVIA

1. The Carpenters had a No. 1 pop hit with “Please Mr. Postman” in 1975. Who had a No. 1 hit with the song before that?

2. What is the correct name of the song that’s often called “Rollin’ on the River”?

3. In April 1964, the Beatles held the top fi ve positions on the pop charts. Name the fi ve songs in order.

4. Who was called “The Godfa-ther of Soul,” and how many No. 1 hits did he have?

5. What do singers Pat Boone, Irene Cara, Gladys Knight and Frank Sinatra have in common?

6. Who sang “Midnight at the Oasis,” and when?

New DVD Releases forWeek of February 22, 2010

PICKS OF THE WEEK“The Informant!” -- Matt Damon stars as Mark Whitacre, a chubby executive turned FBI informant in this hilarious Steven Soder-bergh comedy about the 1990s Archer Dan-iels Midland price-fi xing scandal.

I know. When I fi rst heard that Matt Damon was going to star in a movie about a con-spiracy concerning livestock feed, I thought, “What the heck?” But believe me, this is a

movie that has all the wackiness of a Marx Brothers comedy combined with the same social awareness and passion that Soder-bergh brought to “Erin Brockovich.” Da-mon’s character is brilliant: a pudgy buffoon who imagines himself to be James Bond, but he’s really more Maxwell Smart. “The Infor-mant!” is one of the best fi lms of 2009, and after watching it, you’ll agree.

“The September Issue” -- For nearly a quar-ter century, Anna Wintour has been the head of Vogue magazine, the bible of the fashion industry. Her reputation for being a ruth-less and strong-willed dynamo was the basis for Meryl Streep’s character in “The Devil Wears Prada” and for Edna Mode in “The In-credibles.” “The September Issue” is a bril-liant, entertaining look at the chaos behind the scenes of putting together the September 2007 issue of Vogue -- the year’s largest and most infl uential edition. If you love “Project: Runway,” and dishy, catty drama, then this hot, two-disc mess is just for you.

“Motherhood” -- Uma Thurman stars as Eli-za, a stay-at-home mom who tries to pull it all together during one crazy day where she has to plan and set up her 6-year-old’s birthday party, keep her car from being impounded, save her bicycle, touch base with her best friend, help her scatter-brained husband and get around to writing her blog about being a mom. It’s all wacky, madcap fun for moms in the audience, but frankly, if Uma isn’t wield-ing a katana and bisecting masked yakuza, I’m not really that interested.

“Justice League: Crisis on Two Earths” -- DC Comics has a solid track record with their direct-to-DVD animated fi lms, and “Crisis on Two Earths” is yet another solid release. In this fi lm, the Justice League (Superman, Batman, Wonder Woman and others) must travel to a parallel Earth where they must de-feat the Crime Syndicate -- an evil version of themselves. It’s kind of like that old “Star Trek” episode “Mirror, Mirror” without the goatees.

TV SERIES“Jersey Shore” Season 1

“Nurse Jackie” Season One

“Night Court” The Complete Third Season

“Trailer Park Boys” Countdown to Liquor Day

“Project Runway” Season Six

“FlashForward” Season One, Part 1

“Human Spark With Alan Alda”

“The Universe” The Complete Season Four

“Ghost Hunters” Season Five, Part One

“My Three Sons” Season Two, Vol. 1

“Adam-12” Season Four

“Midsomer Murders” Set 14

(c) 2010 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) we have moved the answers and solutions to the trivia and puzzles to the next page (17).

(c) 2010 King Features Synd., Inc.

Page 17: Snippetz Issue 434

17

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions FEBRUARY 22, 2010

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. The Marvelettes in 1961. It also reached No. 1 on the R&B charts.2. “Proud Mary” (1969) was a No. 2 hit for Creedence Clearwater Revival.3. “Can’t Buy Me Love” (1), “Twist & Shout” (2), “She Loves You” (3), “I Want to Hold Your Hand” (4), “Please Please Me” (5).4. James Brown. Despite having 114 hits during his long career, he never had a chart topper.5. They were all contestants on the “Ted Mack Original Amateur Hour,” an early ver-sion of shows such as “American Idol.”6. Maria Muldaur, in 1974.

1. Scotland2. Solomon Islands

3. Tom Hanks and Tim Allen4. Richard Knerr and Arthur “Spud” Melin

5. Andy Kaufman6. God of the winds

7. World War I8. The letter “Q”

9. 20 years10. The goat

1. Oddibe McDowell (‘85), Mark Teixeira (‘04) and Gary Matthews Jr. (‘06).2. In nine major-league seasons entering 2010, Pujols has never hit less than 32 home runs.3. Denver’s Terrell Davis in the 1998 season.4. Virginia in 1982 and 1983 (Ralph Sampson both years) and St. John’s in 1985 and ‘86 (Chris Mullin and Walter Berry).5. Detroit’s Manny Legace had 10 October wins in 2005.6. Greg Biffl e in 2007.7. Chris Evert, who won 101 matches at the U.S. Open dur-ing her career.

ARIES (March 21 to April 19) There could be some negative reaction to your tough stance when making a recent decision. But overall, your efforts result in well-earned recognition and all that can follow from that.

TAURUS (April 20 to May 20) Your fi nan-cial situation seems confusing, even for the fi scally savvy Bovine. Maybe it’s the con-fl icting advice you’re getting. Check it out before things get too tangled to unknot.

GEMINI (May 21 to June 20) A relaxed attitude goes a long way in helping you deal with any of life’s irritants that might be popping up this week. You’re also a re-assuring role model for others in the same situation.

CANCER (June 21 to July 22) Your aspect favors creativity, which should persuade you to work on your artistic projects. If time is a problem, prioritize your commitments so that your work isn’t compromised.

LEO (July 23 to August 22) Scrutinize all the job offers that interest you. Most are honest and worth considering. But a few might not be completely forthcoming about what the job is and what the salary and benefi ts are.

VIRGO (August 23 to September 22) An unexpected snafu could delay the comple-tion of a project you’re eager to fi nish. Find out what’s causing it, fi x it, and if you need help, don’t be shy about asking for it. Good luck.

LIBRA (September 23 to October 22) An idea that could be helpful to you comes from an unlikely source. Listen to it. Dis-cuss it. If necessary, adjust it. If it looks as if it might work out quite well, go ahead and use it.

SCORPIO (October 23 to November 21) Be careful about allowing someone to share a very personal secret with you. This could cause problems down the line with others who are involved in that person’s private life.

SAGITTARIUS (November 22 to Decem-ber 21) A cooling down of a relationship could be the result of neglect, unintended or not. To save it from icing over, you need to warm it up with a large dose of hot Sag-ittarius passion.

CAPRICORN (December 22 to January 19) This is a good time to get involved with a number of family matters that involve money and other issues that might jeop-ardize the closeness between and among family members.

AQUARIUS (January 20 to February 18) Cheer up. That diffi cult person who ap-pears to be deliberately stalling your proj-ect might just need to be reassured of the value she or he brings to it.

PISCES (February 19 to March 20) Good news! Expect to feel re-energized now that you’ve gone through that stressful energy-depleting period involving a lot of changes. Now, go out there and show them what you can do.

BORN THIS WEEK: You have a warm, giving nature that inspires many to follow your example.

(c) 2010 King Features Synd., Inc.

Page 18: Snippetz Issue 434

18

SNIPPETZ® BUSINESS AND FINANCE

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

TIME TO TAKERETIREMENT PLAN

DISTRIBUTIONS?

Provided by Adam Graysonof EdwardJones Investments

You may not have the pictures, suntan or souvenirs to show for it, but if you’re at least 70-1/2,

you’ve just fi nished a “vacation.” And that means you’ll have to do some work — on determining how much to take out of your retirement plans this year. Typically, when you reach 70-1/2, you must start taking withdrawals (“required minimum distributions,” or RMDs) from your traditional IRA or your employer-sponsored retirement plan, such as a 401(k), 403(b) and 457(b). However, the sharp decline in the fi nancial markets in 2008 led Congress to give you a one-year vacation from taking RMDs in 2009 so that you wouldn’t have to cash out assets whose value had fallen signifi cantly.

But 2009 is over, and so is your RMD vacation. So if you must take distributions this year, you’ll need to do some planning.

For starters, you’d probably like to know how much you’d have to withdraw. You can calculate your RMD by dividing the last year’s retirement account balance, as of December 31, by a life expectancy factor, found in the Internal Revenue Service’s Uniform Lifetime Table. Your fi nancial advisor or tax professional can provide you with this fi gure.

Once you know your RMD, you can then decide whether to take this amount or to withdraw more. Obviously, during your retirement years, one of your key fi nancial goals is to avoid outliving your income, so you may want to try taking the minimum distributions for as long as you can. Also, these distributions are taxable, so the less you take out, the lower your tax bill may be. But if you need the money, won’t you

be forced to take more than the minimum amount?

Not necessarily. In addition to your IRA, 401(k) and whatever other accounts might trigger RMDs, what other sources of income do you have? You’ve probably already started taking Social Security, so you can’t change that amount, though you will normally receive cost-of-living adjustments. (In 2010, however, there will be no such adjustment.) Consequently, if you want to avoid taking more than minimum distributions, you will need to look at your investments held outside your RMD-triggering accounts.

First, consider your Roth IRA, if you have one. Unlike a traditional IRA, a Roth IRA is not subject to RMD rules, so your money can potentially keep growing. But if you want to minimize your taxable distributions, you may want to tap into your Roth account.

Next, review your other investments. Specifi cally, consider your mix of investments. Can you adjust this mix to possibly provide you with enough income to help you avoid exceeding your RMDs? For example, can you add income-producing investments, such as bonds, without depleting your portfolio’s growth potential? Even in retirement, you’ll likely need growth opportunities to help you stay ahead of infl ation. You may also want to consider dividend-producing stocks. While you don’t want to take on too much risk in your retirement years, you can fi nd many quality stocks that produce, and even increase, their dividends year after year. (Keep in mind, though, that companies can reduce or eliminate dividends at any time.)

The RMD vacation was nice while it lasted. But now that it’s over, consider taking the steps necessary to provide you with suffi cient income today without draining your resources for tomorrow.

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

IT’S TIME TO MAKE THE WORLD

A BETTER PLACE TO DRIVE.

Joslin Nagle 1850 Woodmoor Dr., Ste. [email protected]

Feature is optional and subject to terms and conditions. Available in select states now and in most states by 1/31/06 (subject to regulatory approval whererequired).Allstate Fire and Casualty Insurance Company: Northbrook, IL. © 2007 Allstate Insurance Company

Your Choice Auto® Insurance. Deductible Rewards, AccidentForgiveness and more. Sound Good? Call me today.

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CALL US TODAY FOR YOUR FREE LOAN ANALYSIS Proudly Serving the Tri-Lakes Area and Colorado Springs

Offi ce: (719) 260-9847 • Kimberly Gilbertson: (719) 963-1196 • Selina Rodriguez: (719) 649-5953

You’re Invited …A new tax law change makes this year a particularly good time to consider converting from a traditional, SEP or SIMPLE IRA to a Roth IRA.

Find out why at our free seminar Roth IRAs: Retirement Can Be Less Taxing. You’ll learn about:

Di�erences between traditional and Roth IRAs ❚

Features of the new tax law change ❚

Bene�ts of converting to a Roth IRA and important tax ❚

considerations

Edward Jones, its employees and �nancial advisors do not provide tax or legal advice. Please contact a quali�ed tax or legal professional regarding your situation.

HOW DOES TAX-FREE INCOME SOUND?NEW IRA OPPORTUNITIES FOR 2010

Call today to reserve space for yourself and a guest at this free educational seminar.

www.edwardjones.com Member SIPC

Date:

Time:

Location:

[Enter RSVP]

Dinner will be served.

Tuesday, February 23, 2010

6 p.m.

Bella Panini Restaurant Palmer Lake, Colorado

RSVP: Kathy Williams at 719-481-4964

Adam R GraysonFinancial Advisor.

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

I’m saving $105 a year by shu ng down all the way. What can you do? Find out how the li le changes add up at TogetherWeSave.com. TogetherWeSave.com.

STICKING TO A BUDGET IS EASIER WITH MY COMPUTER TURNED OFF.

Page 19: Snippetz Issue 434

19

SNIPPETZ® BUSINESS AND FINANCE

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

❖ Transactional (Contract) Services

Lisa Welch StevensAttorney at Law, P.C.

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

District of Colorado

Member: Colorado & El Paso County Bar Association

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

Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200Colorado Springs,

CO 80921(719)488-9395

DIVORCE / FAMILYLAW

Experienced - AffordableConvenient

Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

NEW TV TECHNOLOGY CAN BE CONFUSING

Do you dread having to buy your next TV, not because of the price but because of the new technology? If you haven’t bought a

new television in quite a few years, your best bet is to get up to speed on what’s out there.

The two big choices now are plasma or LCD tele-visions.

LCD TVs have the widest range of sizes and are good for rooms with a lot of light. When shopping for an LCD TV, you’ll see descriptions such as 32-inch class/720p or 40-inch class/1080p.

Plasma TVs are subject to glare from windows and look best in low- to normal light. They’re good for fast-action sports and video games. Plasma TVs will have descriptions such as 50-inch class/1080p or 42-inch class/720p.

That “p” number is one to watch, because it de-notes the resolution. Each “p” number is the num-ber of lines on the screen. If you play a lot of video games, the 1080p will likely work better for you. If you only watch television, the 720 should be suf-fi cient, as many shows are only broadcast at 720p, depending on your cable provider.

Check your available space before buying a new television, especially if you’re not going to hang it on the wall. The new screens are wider but not as tall. Measure the height and width of your current television screen before you go shopping. Take a tape measure with you.

Consider the size of your room and viewing dis-tance. Measure from your TV to where you usually sit, and take that information with you when you

shop.

Check with your cable provider to see if you al-ready get an HDTV signal or if you’ll need to up-grade your package.

One place to look online for help in deciding be-tween plasma and LCD is BestBuy.com. It under-stands that the new technology can be confusing and has developed a section of the Web site to help you not only understand, but to select a TV within your price and size requirements. To fi nd the in-formation, go to the site, click the TV and Video button, click TV on the left side list, then select HDTV Basics to learn more, or Help Me Choose to narrow your choices.

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].

(c) 2010 King Features Synd., Inc.

© Lisa Welch Stevens, Esq., May, 2005

Your dreams have come true – your busi-ness has succeeded. You would like to expand into other geographic areas

without risking your own capital to do so. Fran-chising your business format might be the right path to take. But what do you need to do from a legal point of view to make it happen? Franchis-ing is regulated by the federal government and many states, and it is important to comply with those federal and state regulations.

First, you need at least one registered trademark or service mark, identifying your business’ goods or services, which you will be licensing franchisees to use in following your business format. This trademark or service mark may be registered with either a state’s Secretary of State’s Offi ce or with the United States Patent & Trademark Offi ce. State registration is consid-erably less expensive and more quickly obtained than federal registration, but provides protection only within that state. If you intend to franchise out of state, it is best to apply also for federal registration.

THE LAWACCORDINGTO STEVENS

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

FRANCHISINGYOUR BUSINESS:

WHERE DO YOU BEGIN?

Second, you must have a pro-posed franchise agreement, setting forth in considerable detail the rights and obligations of both the Franchi-sor and the Franchisee.

Third, you must have an offer-ing circular or prospectus prepared in accordance with federal and/or state guidelines, which must contain certain mandatory disclosures. This must be registered with the Federal Trade Commission, and with certain states in which you intend to offer franchises. Not all states require state registration in addition to the federal registration. Colorado is not a state that requires state registration.

Before you offer a franchise to or enter into negotiations with any pro-spective franchisee, you must provide that prospective franchisee with a

copy of the offering circular or prospectus at the earlier of ten (10) business days before either ex-ecution of a binding contract, or payment of con-sideration, or the fi rst personal meeting between the franchisor and the prospective franchisee.

It is important to note that you cannot avoid federal and state regulation by calling your arrangement something other than a franchise; if it looks like a franchise and acts like a franchise, it will be treated as a franchise.

This is only an extremely brief introduc-tion to what is a complex topic; as always, con-sult your legal advisor regarding your specifi c situation.

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

Representing Colorado Businessesand Business Owners

719.488.9395

Page 20: Snippetz Issue 434

202020

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