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SNIPPETZ SIMPLY REFUSES TO BESTRESSED ABOUT THE HOLIDAYS

FREE WEEKLY

ISSUE 471 • NOVEMBER 8, 2010

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What size turkey shall I get this year? If I invite Uncle Jim, he’ll probably drink too much and start talking politics, and he

and cousin Mary will turn dinner into a war zone.

How will I ever get the shopping done and the dinner preparations made when I have to work all week?

Christmas is almost here, and I have so much to do before we leave town. What if it snows and the fl ight is cancelled? I need to get that sitter for the dog.

And, oh, yea, that master card bill in January.

Welcome to the holidays – and all the stressors that follow. Of course, stress is a year-round malady, but the holidays ignite emotions like a lit match to dead leaves. Dr. Shawn Talbott; a nutrition consultant and educator for athletes of organizations like the U.S. Olympic training centers, the National Basketball Association and the U.S. Ski and Snowboard Association, cited the following statistics on holiday stress from a survey conducted by the American Psychological Association.

Stressed About The Holidays...Continued from Page 1

2

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NEXT WEEKIN SNIPPETZ

FEATURE ARTICLESStrange But True... 4

Tai Yi - “Passivity” part 2 ... 5

Tammy’s Tips - “Tips And Tricks For A Successful Indoor Garden” 6

Moments In Time... 8

“Vitamin D is Vital for Bone Health”Senior News Line... 12

COMMUNITY CALENDAR 9

SANTA’S SAVERSHOLIDAY SECTION

Christmas Trivia... 10Holiday Weight Gain Isn’t Inevitable... 10

The Story of the Poinsettia... 11

CLASSIFIED PAGE 12GREAT BARGAINSFind Your Treasure!

Business / Employment Opportunities

HEALTH AND WELLNESS Health Tips... 13

THE DINING GUIDEHOLIDAY RECIPES

Country Sausage andCorn Bread Stuffi ng... 15

How to Make thePerfect Gravy... 15

PUZZLES, TRIVIA,ENTERTAINMENT 16-17

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

Couch Theater DVD PreviewsHuey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

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“The Cold, Dead Hand From The Grave:Not A Good Thing” -

The Law According to Stevens... 19

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Stressed About The Holidays...Continued on Page 3

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• Up to 69 percent of those surveyed named lack of time and money as two main stressors during the holidays.

• Fifty-one percent said holiday stress is about the pressure to give or get gifts.

• Sadness (59 percent), sleep issues (56 percent) and lack of energy (55 percent) were the side effects of the stressors.

Add to the holidays the everyday stress that Americans incur year-round. From a 2004 APA survey:

• Two-thirds of Americans said they would seek help for stress.

• Fifty-four percent of Americans are concerned about the level of stress in their everyday lives.

• Sixty-two percent said work has a sig-nifi cant impact on stress levels.

• Fifty-four percent of workers were concerned about health problems caused by stress.

• Executives and managers tend to have the most stressful jobs, while self-em-ployed workers are the least stressed.

• One in four workers had taken a men-tal health day off from work to cope with stress.

• Seventy-three percent of Americans said money is the No. 1 factor affecting their stress level.

And given that 14.8 million Americans were unemployed in September of this year, Santa’s reappearance is like the re-turn of Frankenstein.

PUMPKIN PIE &GRANDMA’S NOODLES

Experts say nutritional habits affect stress. Now, that makes for another rea-son why some Americans might want to build an underground shelter for hiding during the holidays. Offi ce parties, holi-day dinners, desserts galore and fast-food stops for the hurried shopper: The holidays are synonymous with eating and weight gain (which brings on more stress). Then comes January and all of

the resolutions to lighten the holiday heavies. More stress.

Stress can cause increased levels of cortisol in the body, which create crav-ings for salty and sweet foods: a vicious cycle.

Family get-togethers are often a source of stress. Although Uncle Jim is a grumpy old wino, it’s expected he’ll be around for the holidays. It’s a time of year when families are supposed to be together after all. Emotionally charged stress incites overeating.

Food is a godsend in an uncomfortable setting. Potatoes and pie can thwart confrontation or take one’s focus off the three A’s: apprehension, anger and anxi-ety. “Honey, Uncle Jim is driving every-one crazy.” Bring on that pecan pie.

A great amount of stress affects where people store fat. Abdominal fat is linked to people with high stress, and fat tum-mies and big bellies can be precursors to heart attacks and strokes. Talk about stress.

“I will resolve to start my exercise rou-tine Jan. 1.” Sound familiar? Americans live a more sedentary lifestyle today, which makes a routine exercise program as important as that cup of wakeup java. However, demanding schedules impede the will to exercise, and the holiday sea-son is a whopping good reason to ditch

the exercise. The No. 1 excuse to avoid exercise? There’s just no time!

IN PERSPECTIVEStress is real, and for some it can be de-bilitating and lead to mental health is-sues like depression and anxiety. Man-aging the stress of everyday life is vital to maintaining a sound body and mind.

Dealing with everyday stress provides an understanding to what causes it; fac-ing the stressors can often mean making changes amid new opportunities.

Putting one’s life in perspective is a sure-fi re way to battle seasonal stressors like fi nding time to shop for the holidays.

This is what stress looks like in a bigger picture.

• There are almost seven billion people in the world.

• A little more than one billion are un-dernourished.

• More than one billion are over-weight.

• On Oct. 19 alone, more than 19,400 people died of hunger.

SNIPPETZ SIMPLY

REFUSESTO BE

STRESSED ABOUT THE HOLIDAYS

SNIPPETZ GIVES A NODTO PHILANTHROPISTS

3

SNIPPETZ®


Stressed About The Holidays... Continued from Page 2

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• To date this year, more than 8.3 mil-lion people died of hunger.

• In 2009, 43.6 million people in the U.S. were in poverty; in 2008, 39.8 million. The 43.6 million is the largest number in the 51 years the U.S. Census Bureau has published information on poverty.

The above statistics reach beyond stress. But keep in mind that no one is going to send you to prison if the turkey is charred. They can’t hang you because you chose a night of popcorn and DVDs instead of the party. Johnny will survive if he doesn’t get that new Xbox game.

SPEAKING OF SURVIVALStill not convinced that those little stres-sors can be swept under the rug? If so, here are 10 ideas from the Mayo Clinic to prevent stress throughout the holi-days – and other days.

• Acknowledge feelings: It’s OK to feel sad or to grieve during the holidays and any time. Don’t force happiness; sometimes it’s just not there, no matter what season it is.

• Reach out: For every holiday celebra-tion, there is someone somewhere who is reeling from a death of a loved one, a divorce, a bankruptcy, poor health, loneliness, etc. And if it’s you, reach out. Volunteer, fi nd a church if you’re so inclined, fi nd your passion and then fi nd others who share it: nonprofi ts, book clubs, art groups, etc.

• Be realistic: The holidays do not have to be perfect. Go with the fl ow. If tradi-tions change because of growing or far-away families, accept it and be open to new rituals.

• Set aside differences: When family is around for the holidays, accept them for all their eccentricities and faults. Don’t have unrealistic expectations that peo-ple will change or that you have to like them just because it’s Christmas.

• Budget: Decide how much money can be spent on food and gifts, and stick to it. Try homemade gifts, too. Or ser-vice gifts: Babysit for your sister’s kids while the parents take the night off.

• Plan: It’s a good time for lists and setting aside specifi c days and hours for shopping, baking, parties, visiting, etc. Stay focused.

• Just say no: If you can’t make the party, say no. If you can’t go to lunch on Saturday with Aunt Sue, don’t. If your boss wants overtime, say yes, but let others know your time has just been limited.

• Stay healthy: Don’t abandon healthy habits just because – it only adds to the stress. Indulge but don’t go overboard. Get ample sleep and continue those ex-ercise routines: If it’s time you’re wor-ried about, get up a half hour earlier and do something physical.

• Take time for you: Exercise, as well as meditating, stargazing, listening to music or reading, can clear the mind and restore calm.

• Seek help if necessary: If stress any time of the year leads to feelings of de-spair, sadness, anxiety or the inability to sleep or eat or face routine chores, get help. Seek out a doctor or mental health professional.

There is nothing more important than your own body and mind.

With that, enjoy those holidays. After all, January is around the corner – uh oh, tax time. Save this issue of Snippetz and read again.

4

SNIPPETZ®


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• It was American author, producer, screenwriter and director Michael Crichton who made the following sage observation: “Whenever you hear the consensus of scientists agrees on something or other, reach for your wallet, because you’re be-ing had.”

• Statistics show that more babies are born in September than in any other month of the year.

• Talk about bad luck: In May of 2009, two thieves broke into a jew-elry store in Milwaukee, bagged up their loot and tried to make their getaway. On the way out of the looted store, they were confronted by two more thieves, who took the ill-gotten gains. No one ended up profi ting from the crime, however; all four were arrested.

• According to an estimate by the United Nations, there are more than 3 million shipwrecks on the ocean fl oor. • You may have heard of the tur-ducken -- a chicken stuffed into a duck stuffed into a turkey -- but you probably didn’t know that a chef in the United Kingdom took the idea of nested fowl several steps further. Hugh Fearnley-Whittingstall stuffed a woodcock inside a pigeon, inside a partridge, inside a pheasant, inside a chicken, inside a guineafowl, in-side a mallard, inside a duck, inside a goose, inside a turkey. No word on how the 10-layer dish was carved for serving. • If you’re not the sort of person who makes the bed every day, here’s some good news for you: Research-ers in the United Kingdom have found that unmade beds are less likely to harbor dust mites, a com-mon cause of asthma and allergic symptoms.

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Thought for the Day: “If you would be a real seeker after truth, it is necessary that at least once in your life you doubt, as far as pos-sible, all things.” -- Rene Descartes

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When you think of passivity, of whom do you think? Perhaps you see your spouse, child,

co-worker, friend, boss, or yourself? What does ‘being passive’ even mean? It means standing on the sidelines of life while those who are living walk past you.

One might think, “I do a lot. I am not passive.” This begs the question, “what is A LOT”? Does ‘doing a lot’ mean running several errands during the day, taking care of children’s needs, be-ing busy at work or around the house? Those situations would equate to being busy. How many people fi ll up their schedules with busy activities because they think they are supposed to? Being busy: keeping the yard up, cleaning the house, maintaining the automobiles, earning an income, going to children’s events, and so forth is being busy, and can still be passive. These activities are not WRONG by any means! So, what does passivity look like?

Passivity means one is not willing to look inward, ask questions, fi nd the source of diffi culties, and take action. Passivity means simply surviving day to day, rather than living a full life. I have met many women who are not ‘women’ anymore; they are ‘mothers’ or ‘wives’ or ‘employees’. They have lost their identity in their quest to be a great mother, wife, or daughter. Losing one’s identity keeps one in passivity. I have seen the same in men.

Another example of being passive is simply buying food at the store with-out asking from where it came. Where was the produce grown (if not already stated on a sign or tag)? Where does the store buy their ground beef? Does

TAI YI-PASSIVITY - Part 2

the meat processor use ammonia in their beef as it becomes more com-mon? Is the meat processing plant clean? Where are the chickens raised and is it sanitary? Given the recent Sal-monella outbreak, what did Hillandale Farms, Sunny Farms, Sunny Meadow, Wholesome Farms and West Creek do with the chickens that were infected? Did they cut up the poultry and sell it as has been mentioned? Most people just buy their groceries and do not ask questions. Did you know there are fi ve or six different names for MSG that are hidden in foods? MSG is a toxic ingre-dient, but many people do not check for it or its hidden names. Food is but one area of passivity.

Other areas of concern are our water, air, and banking system. When a per-son simply survives life because ‘they have to’ according to his or her percep-tion, it is easy to take advantage of that person’s ignorance. It is easy to pass laws without notice, pollute the food, air, and water without too much notice. It is easy to ‘move’ money and call it ‘lost’ money given our last economic collapse in the stock market. Ask ques-tions, expect answers, push buttons-that is NOT being passive, but proactive.

If you are one who has a tendency to be passive, it is many times related to resistance to healing, searching, and moving forward. A Tai Yi treatment that can assist with this is Primitive Beast of Resistance. This is a three-part treatment. Ones who would have this treatment would have a lot of resis-tance to change and be in the process of creating an illness-mental, emotional, and physical. The person has created a daily struggle in healing and has cre-ated much pain. During and after the treatment, much assistance can be of-fered to work on the issue of passivity.

Tami UrbanekListen to Empowerment Through Healing on www.castlerockradio.com at 3pm MDT on Wednesdays!

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Tammy’s TipsTIPS AND TRICKS

FOR A SUCCESSFULINDOOR GARDEN

Most plants have simple needs. As guests go, they’re relatively undemanding. There are only

four basic things you need to understand before you decide to invite a plant home: light, water temperature and air. If you can master these four elements, from a plant’s perspective, you can create an indoor gar-den just about anywhere in the world and during any season of the year.Light - Most plants need at least six hours of light a day. But it has to be good light. If you put your hand in front of the win-dow and it doesn’t cast a shadow, chances are the light isn’t adequate for most plants to live a happy life. However, you can always supplement low light conditions with grow lights. If you have modest natu-ral light in your home and don’t want to fuss with special lighting, stick to plants that normally need low-light conditions, or try moving your garden to a sunny win-dowsill.Water - Plants need conditions close to those in their native habitats. A plant that calls the desert home will need less fre-quent watering than a plant that lives in a bog. Knowing what water conditions a plant prefers is a good fi rst step to keeping a successful indoor garden. It’s easier than you think because the plants themselves will often give you clues. Plants with thick rubbery leaves , are water hoarders and can typically survive with less water than plants with thin, delicate leaves. If you hate to water your plants, choose variet-ies that can thrive on less, or pick plant-pots with hidden reservoirs to cut down on your watering chores.Temperature - Plants also need the right temperature to grow in. Your home is prob-ably warm enough for many plants, but because some places in the world experi-ence distinct seasons, including freezing winters, plants from these areas need the cold to tell them it’s time to do something,

like hibernate for the winter. You can usu-ally trick these plants into thinking it’s winter by putting them somewhere cold for a while, like inside your fridge. There are also some seeds that need warmer temperatures to trigger sprouting. A bump in the mercury tells them that spring is on the way, and it’s time to come out and join the party.Air - As a byproduct of photosynthesis, plants produce oxygen and fi lter nasty gasses, like formaldehyde, from your home environment via their leaves. To keep plants healthy, you need to keep their leaves clean and keep the air around them moving and moist. To do this, you can place them in a spot with good air fl ow or provide them with a small fan. This is par-ticularly important if you maintain plants in a conservatory or terrarium. To keep that nicely circulating air moist and plant-friendly, elevate your plant pots on a dish fi lled with marbles or pebbles that you’ve fi lled with water just below the top. That way the plants will get humidity, but their roots won’t be sitting in water. Another great idea is to keep plants grouped to-gether. They’ll create a mini-environment that’s a little more humid than other areas of your room.Other Indoor Garden Consideration Be-yond these four essentials, plants need good soil, but you can usually fi nd a con-venient potting mix for most of your in-door plant needs. Some options include vegetable mix, cactus mix, African violet mix, orchid mix or general houseplant mix. When you buy a new plant, the soil it comes in is probably fi ne for the fi rst few weeks.The Enchanted Florist carries a variety of indoor plants and can arrange any type of container garden to suit your need. If you are looking to bring the outdoors in, check out The Enchanted Florist weekly variety of in-door plants.

For additional information:Tammy Crawford

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Monument Co 80132(located behind Rosie’s Diner)

719-488-1116

THERE WILL BENO BLOOD

By Nick Yanez

Is it the violence? Maybe it’s the ap-preciation of the heart and effort? Maybe it’s to fi nd out who’s the best?

For whatever reason, mankind has been captivated by competition. Whether it be the championship game of a major sports league, or a simple game of rock paper scissors with your best friend; we all have the desire to win. What’s more telling, however, is how we lose. Losing, and our response to it, defi nes who we are. Still, the best competitions are the ones with no loser.

This Sunday, November 14th, Pinz Bowl-ing Center will be host to the biggest bowling tournament this November. The Thanksgiving Tournament is a singles tournament open to all USBC certifi ed bowlers. The entry fee stands at $25, and (based on 50 entries) there will be a $650

prize fund. Sounds like some juicy com-petition.

Not a fan of juice? How about food? The tournament also acts as a fundraiser to lo-cal favorite charity Tri-Lakes Cares. The organization is well known for helping the less fortunate of our community through hard times such as these. A portion of the proceeds will be donated to Tri-Lakes Cares, as well as a 50-50 raffl e to benefi t the group. Sounds like a wholesome, tasty cause.

Violence is very unlikely, so hopefully, there will be no blood. There will surely be heart and effort. And for the ones who give it there all, use some natural ability, and leave it all on the lanes, there will be a winner. As for the losers? There will be none, for everyone who participates will have a good day; in this life, it’s best to grab as many of those as you can. To fi nd out more about this stimulating tourna-ment, contact Pinz at (719) 487-7469.


7

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• On Nov. 12, 1799, Andrew Ellicott Doug-lass, an early American astronomer born in Vermont, witnesses the Leonids meteor shower from a ship off the Florida Keys. Douglass’ journal entry is the fi rst known record of a meteor shower in North Amer-ica.

• On Nov. 11, 1885, George Smith Pat-ton, one of the great American generals of World War II, is born in San Gabriel, Calif. Patton was one of the most controversial of the U.S. commanders, known to make ec-centric claims that he was a direct descen-dant of great military leaders of the past through reincarnation.

• On Nov. 8, 1895, physicist Wilhelm Con-rad Rontgen becomes the fi rst person to observe X-rays. Rontgen’s discovery oc-curred accidentally in his Wurzburg, Ger-many, lab, where he was testing whether cathode rays could pass through glass.

• On Nov. 10, 1932, Roy Scheider, the ac-tor best known for his role as the police

chief of a beach community terrorized by a killer shark in the 1975 movie “Jaws,” is born in Orange, N.J. “Jaws,” directed by Steven Spielberg, became the fi rst movie in history to gross more than $100 million.

• On Nov. 14, 1941, “Suspicion,” a roman-tic thriller starring Cary Grant and directed by Alfred Hitchcock, makes its debut. The fi lm marked the fi rst time that Grant and Hitchcock worked together. The two would later collaborate on “Notorious,” “To Catch a Thief” and “North by Northwest.”

• On Nov. 13, 1974, 28-year-old Karen Silkwood, a technician at a plutonium plant operated by the Kerr-McGee Corporation, is killed in a suspicious car accident near Crescent, Okla. She was on her way to a meeting with a reporter for The New York Times, reportedly with a folder full of doc-uments that proved that Kerr-McGee was acting negligently when it came to worker safety at the plant.

• On Nov. 9, 1989, East German offi cials open the Berlin Wall, allowing travel from East to West Berlin. The following day, cel-ebrating Germans began to tear down the wall, reducing it to rubble that was quickly snatched up by souvenir hunters.


9


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Get A Luminous, Radiant Glow

3rd Annual Holiday ExtravanzaFriday, Nov 12, 4PM - 8PM

& Saturday, Nov 13, 10AM - 3:30PMTri-Lakes Center for the Arts

is located at 304 Hwy 105 in Palmer Lake, 80133.Looking for a unique, one-of-a-kind gift for that someone special this holiday season? Well…look no further. Tri-Lakes Center for the Arts invites you to their 3rd annual Holiday Extravaganza on Friday, November 12 from 4p-8pm and on Saturday, November 13 from 10am to 3:30pm. Featuring over 35 local artists, the Holiday Extravaganza is THE place to look for one-of -a–kind gifts you won’t fi nd anywhere else. Browse through beautiful photos, taken by well-know photographers; works of art created by talented local artists; or perhaps purchase a unique piece of jewelry, handmade by professional jewelers. Enjoy complimentary holiday cheer and goodies as you look through hundreds of gift possibilities. The Holiday Extravaganza is free and open to the public; however, a $5 donation is suggested. For more information, go to www.trilakesarts.org or call Tri-Lakes Center for the Arts at 719.481.0475.

Lutefi sk and Meatball Annual Scandinavian DinnerSaturday, November 13, 2010 -1:00 and 5:00 PM

1045 Ford Street---Viking Hall,Colorado Springs, CO 80919

Traditional menu---will include lutefi sk, meatballs, vegeta-bles, potatoes, lefse and dessert. Call for Reservations (lim-ited seating)---Virginia @ 591-7083. Ticket Costs--- $20 for adults, $8 for ages 5-12. For sale in lobby---herring, lutefi sk, lingonberries, baked goods, gift items.

Tri-Lakes Women’s Club (TLWC) Luncheon:Deck Your Halls – Holiday Decorating the Villa Décor

Way, Fri., Nov 19, 11 a.m.Falcon Club at the U.S. Air Force Academy. Staci Ewing, owner of Colorado Villa Décor, will share the latest deco-rating trends and give us wonderful ideas for making our homes cozy and beautiful for the winter holidays. RSVP: Charlie Ann Hayes, [email protected], 481-9693 or Maureen Kral, [email protected], 282-0164. Member-ship is open to all women living in School District 38 and the luncheons are open to all current TLWC members and their guests. The club sponsors the Wine and Roses event No-vember 5th, and the Pine Forest Antique and Garden Show and Sale April 30th-May1st. Proceeds from these events benefi t local nonprofi t groups. Visit www.tlwc.net or contact Judy Crusius, [email protected], 481-1994; or Barb Dienes, [email protected], 487-7392.

Lewis Palmer District Ice Hockey Team2nd Annual Breakaway Hockey Event

Friday, November 19thLewis Palmer District Ice Hockey team is hosting a chari-table dinner banquet at the Sundance Mountain Lodge. The evening consists of a three-course Italian dinner, cash bar, live music and dancing, and a silent auction to benefi t the team. The ice hockey team is not fully funded by the school district and must fundraise over $8,000 to pay for practice ice rental fees. The event was a sell-out last year. Tickets are still available by contacting Catherine Methot, 481-4920, or [email protected].

Peak Ranch’s Alpaca Boutique Autumn Open House Saturday, November 20th 10-4PM

19850 Beacon Lite Rd., Monument, COJoin us for holiday tea and browse.

SnippetzCOMMUNITYCALENDAR

COMMUNITY EVENTS

www.snippetzonline.com

Alpaca Holiday Extravaganza20 - 21 November 2010

Black Forest Community Club12530 Black Forest Rd., Black Forest, CO 80908

The South Eastern Colorado Alpaca Breeders will host the 5th annual Al-paca Holiday Extravaganza at the Black Forest Community Club on Saturday, 20 Nov (9-5) and Sunday, 21 Nov (10-4). This free, educational event will showcase the entire range of products made from alpaca fi ber. Fleece, roving, batting and yarn will

be available for hand-spinners and artisans/crafters as well as garments and apparel just in time for holiday shoppers. Alpacas will be present so you can actually feel how soft their fl eece really is.

Banner Christmas Historic Downtown Monument is sponsoring the the third annual “Banner Christmas.” Banner Christmas features original Christmas art banners, handpainted by renowned local artists. The banners are on display on lamposts in the historic downtown of Monument. Unveiling is the Friday after Thanksgiving and they remain on display throughout the holiday season. If you are interested in painting a ban-ner for the 2010 season, please contact Vicki Mynhier at 719.460.4179 or email at [email protected].

Small Town Christmas Saturday December 4th - 10:00am to 2:00pm

Small Town Christmas is a day full of holiday activities in-cludes visit from Santa and Mrs. Claus along with crafts and activities for children, open houses and other special events as the merchants of Historic Downtown Monument celebrate a Small Town Christmas.

Scandinavian Christmas Tea PartySaturday, Dec 4 - 2 PM - the Sons of Norway Lodge,

Viking Hall - 1045 Ford Street, Colorado Springs Come join us for an afternoon of tea, homemade cookies, tea sandwiches and lefse. A unique program will be held, door prizes awarded - all this for only $12 per person. Mark your calendar for Saturday, December 4th, 2 p.m. Space is limited so call prior to December 1st and reserve your place. For more information call June Peterson, 719-599-3235.

North Pole At Tri-Lakes 5th Annual Craft ShowSaturday, Dec 4 - 10AM - 4PM& Sunday, Dec 5 - 11AM - 4PM

Lewis Palmer Middle School,1776 Woodmoor Drive, Monument, CO.

Looking for a fun event in keeping with the holiday spirit and a perfect opportunity to pick up that unique handmade gift for a friend or relative? Look no further. Monument Hill Kiwanis Club is sponsoring the 5th Annual NORTH POLE at TRI-LAKES CRAFT SHOW on December 4 and 5, 2010 at Lewis Palmer Middle School, 1776 Woodmoor Drive, Monu-ment, CO. Show hours are 10 AM – 4 PM Saturday and 11 AM to 4 PM on Sunday. Ample parking is available. Admis-sion is a donation of nonperishable canned and dry goods to be donated to Tri-Lakes Cares. Santa has decided to take a short break from his busy holiday duties to visit between 11:30 AM – 1:30 PM both days. Monument Hill Kiwanis North Pole Chairman Bill Healy said “All proceeds from the fair are used to support the local community”.

Holiday ConcertDec. 17, 2010 - Location: The Pinery

Musical selections performed by an ensemble from the Colorado Youth Symphony Orchestra. BONUS: Continued sale of the Tri-Lakes Women’s Club’s Classic Colorado Col-lection 2010 ornament. The artist will be present. RSVP: Charlie Ann Hayes, [email protected], 481-9693 or Maureen Kral, [email protected], 282-0164. Member-ship is open to all women living in School District 38 and the luncheons are open to all current TLWC members and their guests. The club sponsors the Wine and Roses event No-vember 5th, and the Pine Forest Antique and Garden Show and Sale April 30th-May1st. Proceeds from these events benefi t local nonprofi t groups. Visit www.tlwc.net or contact Judy Crusius, [email protected], 481-1994; or Barb Dienes, [email protected], 487-7392.

12

SNIPPETZ® CLASSIFIED / HEALTH

Nearly half of patients who go in for orthopedic sur-gery are seriously defi cient

VITAMIN D IS VITAL FOR

BONE HEALTH

in vitamin D, according to a recent study. Being defi cient in that vita-min compromised healing.

Maybe if the patients had enough vitamin D to begin with, they wouldn’t have needed surgery in the fi rst place. The D vitamin is es-sential for bone health and muscle function. It helps the body absorb calcium and can help ward off os-teoporosis.

There are three ways we can get enough vitamin D: exposure to the sun, eating certain foods and taking supplements. Most foods don’t have a lot of the vitamin, but these do in varying amounts: fortifi ed orange juice, many types of fi sh, eggs and dairy products, and some cereals.

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Sunlight is tricky, especially in the winter. According to a fact sheet by the National Institutes of Health, those of us living above the 42nd parallel (approximately above a straight line from Boston to North-ern California) likely don’t get enough sunlight from November to February to produce synthesis. Ad-ditionally, we seniors can’t synthe-size sun-induced vitamin D as well as we once could.

Supplements are tricky, too. The amount of vitamin D needed on a daily basis is apparently up for de-bate. Different sources quote dif-ferent amounts needed for bone strength. Too much is as bad as too little. Best bet: Write down every-thing you eat for a week, including

drinks, and take it to your doctor. Ask if you’re getting enough vita-min D in your diet alone, or if you need a supplement or a diet addi-tion.

If you’re scheduled for surgery, ask your doctor for a vitamin D test fi rst to make sure your levels are in the right range.

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®

CLASSIFIED6 LINES • Only $5 A Week

(minimum 5 weeks)

Call: 719-487-0484Snippetz

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

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

E-mail: [email protected]

or

Funder Enlightening, Inc.PO Box 789

Monument, CO 80132

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HORSE BOARDING

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

APARTMENT for RENT

FOR RENT - UPSTAIRS APARTMENT IN PALMER LAKE

1,150 sq. ft. Washer & Dryer Included.No pets or smoking.

$850 +UtilitiesCall for application: (719) 481-2671

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Borders National Forest$950/mo. (719) 481-3378HELP WANTED

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FURNISHED ROOM

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Month to month lease. Rent $400. Nopets or smoking (or smoking pets!)

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EXPERIENCEDNAIL TECH WANTED

Full or part time. Call Mariaat Expectations Salon & Day Spa,in Historic Downtown Monument.

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T-Star Landscaping“All Star Quality”

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NEED EXTRA MONEYFOR THE HOLIDAYS?

Buy or sell Avon. $10 startup fee.Great for Holiday Gifts

For more information call Judyat (719)322-4333

NOW HIRING!Pinz Bowling Center for Cafe.

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FOR RENTNewly renovated 3 BR/3 BAMonument Townhomewith oversized 2 Car garage.

Only $1095/mo. No pets, please.Call Kim @ (719) 330-3277

OPPORTUNITIES

YOUR COMMUNITY ACCOUNTANTS

The Walsh Company Inc.430 Beacon Lite Rd. #155

Monuments - (719) [email protected]

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

ACCOUNTANTS

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13

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

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Individualizedtreatment for:

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550 Highway 105Monument, CO 80132Wednesday Afternoons

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Mile High Holistics 626 Hwy 105

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PARKING & ENTRY IN BACK AVAILABLE

HEALTH TIPSFind the Folate

Keep your blood pressure from climbing with a healthy helping of folate. Women who consumed ample amounts of folate every day had the lowest risk of hypertension in a recent study. Everyone should get about 700 micrograms daily to boost blood vessel health. Seek out folate-rich treats, such as asparagus spears, artichokes, and spinach, in your produce aisle. Fortifi ed pasta, breads, and cereals also are a good source.

A Fruit for Lung HealthBreathe easier by munching on fruit for your lungs. Eating a couple of apples per week could reduce the risk of developing asthma and improve overall lung function, new research has revealed. Apples contain a variety of health-promoting phytochemicals, including quercetin, which may be the reason for the lung-boosting benefi ts.

Fruitful Weight LossReaching for the fruit bowl more often could help keep your weight from creeping higher. A recent study analyzing changes in dietary patterns over a period of time revealed that people who consumed more servings of fruit than they did 6 years prior were least likely to have gained weight among the groups studied. Keep apples, oranges, plums, and pears on hand as ready companions to your weight-maintenance efforts.

A Must-Have MineralProtect your esophagus with a steady stream of zinc in your diet. Chinese researchers recently discovered that higher levels of zinc in people’s tissues corresponded with a lower risk of esophageal cancer. Most Americans get adequate amounts of zinc in their diets, but if you shy away from zinc-rich foods, such as meats, nuts, legumes, and fortifi ed cereals, ask your healthcare provider about a supplement.

SNIPPETZ® DINING GUIDE

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

www.coffeecupmonument.com(719) 488-0663

Weekday Special

$2.99 Breakfast! Great Value and Specail Changes Daily!

@ Both Locations!Mon thru Fri

99¢ Sliders!at Both Locations!

Live Music EveryTuesdays And Saturdays

Open Mic Night Wednesdays23 Craft Beers on Tap!

Another PintAmerican Ale House

@

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!

Catch all your MLB Games Here!

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SERVINGBreakfast • Lunch • Dinner

PRIME RIBON FRIDAY NIGHTS

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Buy one Lunchor Dinner Entree

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Valid anytime Mon.-Thurs.Please present coupon at time of order. One coupon per table only! Exp. 11/30/10 Snippetz

HAPPY HOURHAPPY HOURDaily

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75 Hwy 105 Palmer Lake719-481-2222

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OPEN 4:30PM - 9:00PM • CLOSED TUESDAY

Casual Dining - Family AtmosphereAVAILABLE FOR PRIVATE PARTIES, WEDDING,

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PLANNING A PRIVATE OR COMPANY CHRISTMAS PARTY?DON’T DELAY... MAKE YOUR RESERVATIONS NOW!!

PICK ONE FIRST COURSEBruschetta Pomodoro

Toasted Italian bread topped with mozzarella, red onion, Roma tomatoes and basil

Mozzarella CapreseRoma tomatoes, roasted red peppers, Fresh

mozzarella, Basil and red onionCaesar Salad for Two

Crisp romaine, traditional dressing, garlic croutons and Romano cheeseHouse Salad for Two

Fresh spinach and romaine tossed in balsamic vinaigrette With Roma tomatoes, red onion and

garlic croutons

PICK TWO MAIN COURSESTilapia Florentine

Served with butter lemon wine sauce, capers, and spinach over linguiniChicken Salvador

Chicken simmered in a roasted garlic cream sauce with broccoli and mushrooms served over capellini

Dinner for 2 for $22Salmon Gabriella

Served with butter lemon wine sauce, capers and artichoke hearts served over linguini

Eggplant ParmigianaBreaded, fried then baked with marinara and mozzarella

served over penne Gnocchi Bolognese

Potato pasta dumplings tossed in a hearty beef bologneseChicken Maria

Sautéed chicken topped with prosciutto and mozzarella cheese in a lemon butter wine sauce over capellini

Veal ParmigianaVeal breaded and fried, then baked with marinara and

mozzarella served over penneEggplant Caprese

Breaded eggplant topped with roasted peppers, basil, Roma tomatoes and fresh mozzarella served over capellini

Offer good for Dine-In Only on Monday, Wednesday & Thursday. Can not be used in combination

with any other coupon or discounts

14

SNIPPETZ® DINING GUIDE / LOCAL SCOOP

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!

24 Hwy. 105 in Palmer Lake

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

Bratwurst • Soups • Chili

Rock House Ice Cream 488-6917www.rockhouseicecream.com

Serving Anne & Mann’s Gourmet Ice Cream

Tues, Wed, Thur & Sun : 11:00AM - 8:30PMFRI. & SAT. : 10:00AM - 10:00PM

Closed Monday

15

Hwy 105 • Primrose St. • Palmer Lake • 481-TOOT

Come see the Train!Operated by

the Volunteers of theAmerican Legion Tri-Lakes Post 9-11

BREAKFAST LUNCH DINNERSunday8:30am - 10:30am

Tues - Sun11:00am - 3:30pm

Thur - Sun3:30pm - 8:00pm

THURSDAY NIGHT - 6:30PM

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HAPPY HOUR3PM - 6PM • 7 DAYS A WEEK

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Good thru November 15, 2010

Country Sausage andCorn Bread Stuffi ng

It’s hard to resist this all-time favorite stuffi ng of pecans, sausage and store-bought stuffi ng mix.

1 pound pork sausage meat4 tablespoons butter or margarine3 stalks celery, coarsely chopped1 large (12 ounces) onion, coarsely chopped

HOW TO MAKETHE PERFECT GRAVY

When your turkey is done, you have two kinds of liquids in the pan: an oily liquid (the melted fat) and a watery liquid (the meat and vegetable juices). You want to incorporate both of these liquids into your gravy. The trick is to get them to mix into a smooth, ho-mogeneous mixture -- no lumps, no puddles of grease.Flour contains certain proteins that form a

1 red pepper, coarsely chopped1 can (14 1/2 ounces) chicken broth1/2 teaspoon coarsely ground black pep-per3/4 cup water1 package (14 to 16 ounces) corn bread stuffi ng mix1 1/2 cups (6 ounces) pecans, toasted and coarsely chopped1/4 cup chopped fresh parsley

1. Heat 12-inch skillet over medium-high heat until very hot. Add sausage meat and

cook, breaking up sausage with side of spoon, until browned, about 10 minutes. With tongs, transfer sausage to large bowl.2. Discard all but 2 table-spoons sausage drippings. Add butter, celery, onion and red pepper to skillet; cook, stirring occasionally, until vegetables are golden brown and tender. Stir in broth, black pepper and wa-ter; heat to boiling, stirring until browned bits are loos-ened from bottom of skillet.3. Add vegetable mixture, stuffi ng mix, pecans and parsley to sausage; stir to combine well. Use to stuff 12- to 16-pound turkey. Or heat in baking dish and serve alongside poultry or ham: Spoon stuffi ng into greased 13-inch by 9-inch baking dish; cover with foil and bake in preheated 325 degrees F oven until heated through, about 45 minutes. Makes about 12 cups stuff-ing.

• Each 1/2 cup serving: About 174 calories, 11g to-tal fat (3g saturated), 204mg cholesterol, 407mg sodium, 15g total carbohydrate, 4g protein.

For thousands of triple-tested recipes, visit www.goodhousekeeping.com/recipefi nder/.(c) 2010 Hearst Communications, Inc.

All rights reserved

sticky substance -- gluten -- when they get wet. If you just dump some fl our into the pan, these proteins will get together with the water to form a glutinous goop that the oil can’t penetrate. You’ll then wind up with little lumps of dough swimming in pools of grease.Make sure to mix the fl our fi rst with some of the fat, which you have previously separated from the watery juices. That way, the indi-vidual, microscopic particles of fl our become coated with oil, which the watery juices can’t penetrate to gum things up. Result? Later, when you add the juices, supplemented as necessary with broth or other watery liquids, these individual, oil-coated fl our particles be-come widely scattered. And that’s just what you want, because the thickening agent and the fat it carries are uniformly dispersed throughout the watery juices, giving you a smooth, uniformly thickened consistency.You must keep the amounts of fl our and fat just about equal. Use one part fl our and one part fat to every eight parts of liquid juices and/or stock. Mix the fl our with the fat, cook it a bit to brown it, slowly stir in the watery liquids, and simmer to let the fl our do its thickening job.Gravy too thin? Simmer it until reduced; or thicken with a little arrowroot or cornstarch that’s been dissolved in cold water, then whisked into the boiling sauce.Too thick? Thin with water or stock.Lumpy? Put it through a fi ne strainer.No taste? Use salt and pepper, soy sauce, more pan drippings, chicken stock, or port, Madeira or bourbon.Looks muddy, not glossy? Add cold stock or water, simmer, then skim often.Unthickened gravy or just didn’t emulsify? Skim off almost all the fat, then add more stock, boil hard to emulsify. If the fat is still separating, take it off the heat and whisk in 1 tablespoon heavy cream or cold butter for every 1 cup gravy.


16


Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. MOVIES: In what Disney movie was Earth referred to as “Section 17, Area 51”?2. MUSIC: What does the musical direction “subito” mean?3. ACRONYMS: What does B.P.O.E. stand for?4. SCIENCE: What term describes a plant’s involuntary tendency to grow toward light?5. TELEVISION: What popular 1970s TV show featured a news writer named Murray Slaughter?6. COMMUNICATION: What is the code word for the letter “V” in in-ternational radio alphabet?7. COMICS: Who was The Green Hor-net’s sidekick?8. U.S. STATES: Which of the Unit-ed States has the nickname “Old Dominion State”?9. RELIGION: Who was the founder of the Methodist Church?10. HUMAN ANATOMY: What is a more common name for the nares?

1. In 2008, J.J. Hardy became the third shortstop in Milwaukee Brewers history to hit 20-plus home runs in a season twice. Name the other two.

2. In 1933, Philadelphia’s Chuck Klein won the Triple Crown in the National League, but did not win the league’s MVP Award. Who did win it?

3. From 2000 through 2009, how many times did a quarterback win the Heisman Trophy?

4. Name the two Chicago Bulls before Derrick Rose in 2009 to win the NBA Rookie of the Year Award.

5. Who was the last Vancouver Ca-nuck before Henrik Sedin in 2009-10 to lead the NHL in scoring for a sea-son?

6. When was the last time before 2010 that Chile’s men’s soccer team won a World Cup game?

7. How many Tour de France bicycle races in a row did Spain’s Miguel In-durain win?


SNIPPETZ® PUZZLES AND TRIVIA

1. Name the event (and the date) where all of these played: Badfi nger, Ravi Shan-kar and Leon Russell.

2. What was the single of the year for 1982? Who per-formed it?

3. What song was the fi rst R&B No. 1 hit for fl edgling re-cord label Motown?

4. Which now famous rocker once jumped over the wall at Graceland hoping to see Elvis Presley?

5. What is The Joshua Tree (other than a desert plant)?

6. Who were Tom and Jerry?

New DVD Releases forWeek of November 8, 2010

PICKS OF THE WEEK

“Scott Pilgrim vs. the World” (PG-13) -- “Scott Pilgrim” is not only the most stylistic and visu-ally engaging fi lms of the year, it also is one of the most enjoyable. Michael Cera stars as the titular Pilgrim, a Canadian slacker who plays bass in an indie band and fi nds himself in the awkward and life-threatening situation of fall-ing in love with the uber-hip and out-of-his-league Ramona (Mary Elizabeth Winstead). But before he can date her, he must defeat her seven deadly exes.

Sure, it’s a goofy and ridiculous premise, but in this fantasy comic book/video game-based universe where Pilgrim and his friends reside, it makes perfect sense, because here everything and everyone exist in a place where physical laws are all based on videogames. Punch a dude hard enough and he’ll fl y back 300 yards. De-feat an opponent, and he poofs out of existence, leaving nothing but a shower of golden coins, a la Mario.

Of the hundreds of fi lms based on comic books, “Scott Pilgrim” is the fi rst movie to perfectly replicate the comic book experience and aes-thetic. Check it out. This fi lm’s charm and whimsy shouldn’t be missed.

“Sherlock: Season One” (NR) -- “Doctor Who” producer Steven Moffat has managed to do what most people thought impossible: Bring to the small screen a modern-day Sherlock Holmes series that is not only exciting and entertaining, but also manages to make the detective relevant in a world of cell phones, internet and CSI units. Benedict Cumberbatch (“Atonement”) stars as

Holmes, and he delivers a performance that rivals even the great Jeremy Brett’s -- a feat I didn’t think possible. Martin Freeman (“The Offi ce”) co-stars as Dr. Watson, and the chem-istry between the two men is what makes the program a delight to watch. The DVD release includes all three 90-minute specials, the origi-nal un-aired pilot (which is, in my opinion, su-perior to the fi rst episode), commentary track on the fi nale and a featurette on the casting of the show.“Ladies and Gentlemen: The Rolling Stones” Deluxe Edition 3 DVD Numbered Box Set (NR) -- Filmed over the course of four nights in 1972, “Ladies & Gentlemen” is considered by most to be the greatest Rolling Stones concert ever. This lavish boxed set includes the fully restored and remastered concert fi lm, a second disc featur-ing the “Stones in Exile” documentary, and a third disc packed with special features includ-ing television interviews and footage from the Australian leg of the tour. Also included in the individually numbered boxed set is a scarf, a movie poster, two 35mm fi lm cells and a 60-page book.

TV SERIES“Doctor Who” The Complete Fifth Series

“Golden Girls” 25th AnniversaryComplete Collection

“Lie to Me” Season Two “Californication” The Third Season

“The Super Hero Squad Show:Quest For The Infi nity Sword” Vol. 2

“Superman/Shazam”The Return of Black Adam

“Hell’s Kitchen”Season 4 Raw and Uncensored

“Men of a Certain Age”The Complete First Season

“Scooby-Doo, Where Are You!”The Complete Series

“Whale Wars” Season 3 “Metalocalypse” Season 3

“Bill Moyers:Genesis -- A Living Conversation”


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


17

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions

NOVEMBER 8, 2010

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. The Concert for Bangladesh, on Aug. 1, 1971, at Madison Square Garden in New York City. The con-cert raised $243 million.2. “Eye of the Tiger” by Survivor. The song was used in the fi lm “Rocky III.” The group won a Grammy for their performance.3. “Shop Around” by the Miracles, along with Smokey Robinson, in 1960.4. None other than The Boss, Bruce Springsteen, in April 1976. 5. The name of the fi fth studio album by U2. It won two Grammy Awards (Album of the Year and Best Rock Performance) in 1988.6. The fi rst duo name used by Art Garfunkel and Paul Simon in 1957. Their big success came in 1966 when the “Sounds of Silence” was released and then used in the fi lm “The Graduate.”

1. “Lilo and Stitch”2. Suddenly

3. Benevolent and Protective Order of Elks4. Tropism

5. “The Mary Tyler Moore Show”6. Victor7. Kato

8. Virginia9. The Rev. John Wesley

10. Nostrils

1. Robin Yount (1980, ‘82) and Jose Hernandez (2001, ‘02).2. Pitcher Carl Hubbell of the New York Giants.3. Eight times.4. Michael Jordan (1985) and Elton Brand (2000).5. No Vancouver Canuck led the NHL in scoring for a season before Sedin.6. It was 1962.7. Five, 1991-95.

ARIES (March 21 to April 19) Your honesty continues to impress everyone who needs re-assurance about a project. But be careful you don’t lose patience with those who are still not ready to act.

TAURUS (April 20 to May 20) Pushing others too hard to do things your way could cause resentment and raise more doubts. In-stead, take more time to explain why your methods will work.

GEMINI (May 21 to June 20) Be more con-siderate of those close to you before making a decision that could have a serious effect on their lives. Explain your intentions and ask for their advice.

CANCER (June 21 to July 22) You might have to defend a workplace decision you plan to make. Colleagues might back you up on this, but it’s the facts that will ultimately win the day for you. Good luck.

LEO (July 23 to August 22) The Big Cat’s co-workers might not be doing enough to help get that project fi nished. Your roars might stir things up, but gentle purrr-suasion will prove to be more effective.

VIRGO (August 23 to September 22) Some-one you care for needs help with a problem. Give it lovingly and without judging the situ-ation. Whatever you feel you should know will be revealed later.

LIBRA (September 23 to October 22) While you’re to be admired for how you handled recent workplace problems, be careful not to react the same way to a new situation until all the facts are in.

SCORPIO (October 23 to November 21) Rely on your keen instincts as well as the facts at hand when dealing with a troubling situation. Be patient. Take things one step at a time as you work through it.

SAGITTARIUS (November 22 to December 21) Your curiosity leads you to ask questions. However, the answers might not be what you hoped to hear. Don’t reject them without checking them out.

CAPRICORN (December 22 to January 19) Be careful not to tackle a problem without suffi cient facts. Even sure-footed Goats need to know where they’ll land before leaping off a mountain path.

AQUARIUS (January 20 to February 18) Appearances can be deceiving. You need to do more investigating before investing your time, let alone your money, in something that might have some hidden fl aws.

PISCES (February 19 to March 20) Your re-cent stand on an issue could make you the focus of more attention than you would like. But you’ll regain your privacy, as well as more time with loved ones, by week’s end.

BORN THIS WEEK: You’re a good friend and a trusted confi dante. You would be a wonderful teacher and a respected member of the clergy.


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

RODZ is located inside PINZ The Premier Family Entertainment Center in the Tri-Lakes Area 855 Hwy 105, Palmer Lake 80133 (719)487-PINZ (7469)

KARAOKE Fridays

8 PM Playing In November

Saturdays 9PM-1AM

11/6 Reckless 11/13 No Crisis

11/20 Play It Forward 11/27 Mike Louis

18

SNIPPETZ® BUSINESS, FINANCE & LAW

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

USE “OPEN

ENROLLMENT”

TO HELP MEET

FINANCIAL

GOALSProvided by Adam Grayson

of EdwardJones Investments

November is a popular month for “open enrollment” — that time when you can choose from the

options offered in your employer’s benefi ts package. By making the right moves in some key areas — such as your 401(k) and life insurance — you can help protect your family and boost your progress toward your long-term fi nancial goals.

Let’s consider your 401(k) fi rst. If you haven’t taken part in your 401(k) plan, you need to review the benefi ts of this excellent retirement-savings vehicle. First, you contribute pre-tax dollars to your 401(k), so the more you put in, the lower your adjusted gross income — and the lower your annual tax bill. Also, your 401(k) earnings accumulate on a tax-deferred basis. Furthermore, your employer may offer a matching contribution, and if you’re not partic-ipating in your plan or not putting in enough to earn the match, you’re es-sentially leaving money “on the table.” So, if you’re not already investing in your 401(k), now is the time to get started. And if you’ve already been putting money in your 401(k), you may want to use the open enrollment period to increase your contributions or to rebalance your investment choices in response to changes in investment per-formance or in your goals or risk tol-erance. Of course, depending on your plan, you may also be able to make changes in your 401(k) at other times in the year.

During open enrollment, you’ll also want to look at your insurance choic-es. Your employer may offer a certain amount of life insurance, and possibly disability insurance, at no cost. Clear-ly, this coverage can be benefi cial —

but is it enough to meet your family’s needs?

To answer this question, you’ll need to review at least three key areas of your family’s fi nances:

Debts — Try to calculate your overall debt load — mortgage, car payments, credit cards and so on.

Education — If you are planning on helping your children pay for col-lege, try to estimate these costs. Keep in mind the considerable differences in expenses between colleges: public versus private and in-state versus out-of-state. Keep in mind that college costs have been rising faster than the overall cost of living.

Income replacement — Try to deter-mine about how much of your income would need to be replaced for your family to maintain its current lifestyle.Once you’ve made these types of cal-culations, you’ll be in a better position to know if the life and disability cover-age offered by your employer is suffi -cient to meet your needs. You might be able to purchase additional insurance through your employer, but even this coverage may not be enough. That’s why you may want to work with a pro-fessional fi nancial advisor — someone who can help you identify any gaps that may exist in your coverage and recommend any additional coverage to fi ll this void. You may also fi nd other advantages to individually owned insurance, such as portability — you can take your policy with you, no matter where you work — and affordability — you may fi nd that some policies, particularly term life insurance, may be less costly than the supplemental insurance you could purchase from your employer.

So, review both your insurance situa-tion and your 401(k) plan during the open enrollment calendar. It’s a great time to make those choices that can help you during all the seasons of your life.

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

Attention High School JuniorsWin an all-expense paid trip to

Washington, D.C. or Steamboat SpringsMountain View Electric Association is sending one student to the Annual Washington, D.C. Youth Tour in June and two students to the Cooperative Youth Leadership Camp near Steamboat Springs, Colorado in July.

To enter: • Just write a short essay on “How will energy storage affect the future of renewable energy?”• Your parents or guardians must receive electric service from MVEA.• You must be at least 16 years of age by January 1, 2011.Entry forms are available on MVEA‛s web site at www.mvea.coop. For more information call MVEA‛s office at 719-775-2861, 719-495-2283 or 1-800-388-9881

Deadline for entry is November 18, 2010

www.edwardjones.com Member SIPC

You’re Invited ...

In today’s world, a strong financial strategy is important for womenof all ages. Your potential for success is limitless — especiallywhen you have a financial strategy that fits your lifestyle.

Join us and bring your sister, mother, daughter or friends to our free seminar A Woman’s Guide to Money Matters to learnmore about:

� What you can do now to prepare for retirement� Your options to pay for a child’s or grandchild’s education� Developing a strategy to help achieve your financial goals

Date:

Time:

Location:

TAKE CONTROL OF YOUR FINANCIAL FUTURE:A FINANCIAL SEMINAR FOR WOMEN

Now is the time to take chargeof your financial future. Seatingis limited. Call today to reservespace for yourself and guests.

Adam R Grayson, AAMS®Financial Advisor.

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

Thursday, November 11, 2010

12:00 Noon

Kathy Williams at 481-4964

Lunch will be served.

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SNIPPETZ® BUSINESS, FINANCE & LAW

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

❖ Transactional (Contract) Services

Lisa Welch StevensAttorney at Law, P.C.

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

District of Colorado

Member: Colorado & El Paso County Bar Association

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

Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200Colorado Springs,

CO 80921(719)488-9395

DIVORCE / FAMILYLAW

Experienced - Affordable - Convenient

Please visit our comprehensive website for divorce information:

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VALUETHE LAW

ACCORDINGTO STEVENS

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

THE COLD, DEAD HANDFROM THE GRAVE:

NOT A GOOD THING© November, 2010, Lisa Welch Stevens, Esq.

While the expression “the cold dead hand from the grave” is not uncommon, it has a different conno-tation for attorneys than it may have for non-attor-

neys. In the estate and probate context, it refers to a person who has died (the decedent) and who, through his will, a trust agreement, or other instrument, is seeking to extend his “cold dead hand from the grave” to continue to control events after his death. This may be with respect to how his money is spent, his personal property is used or disposed of, or to whom and when, where and how his money and property is distributed.

On fi rst thought, one might think, “Well, what’s wrong with that? It’s my money or property – I should get to control what happens.” But things are not that clear-cut. First of all, the law has an abhorrence for the “cold, dead hand from the grave” reaching out to control those still living, and does limit it to a certain extent. Second, and more importantly, that control in the after-life may not be a good thing in many cases.

With respect to the law, the primary limit traditionally placed upon that “hand” was the law against perpetuities. This “law” is so complicated, law school students suffer severe brand damage understanding it and all its permutations. But, very basically, the “law” is as follows: nothing can last forever. That is, if a trust is created, for example, it cannot continue in exis-tence for longer than the lifetime of a “life in being” plus 21 years. The “law” is far more complicated than this, but this conveys the basic gist. For example, if one sets up a family trust, and the youngest benefi ciary class that has a member who is alive at the time the trust is created is, for example, a grandchild, then the trust cannot last longer than the lifetime

of the last of any grandchildren to die, plus 21 years. (This does include subsequently born members of the class).

The law against perpetuities is a very old common law rule, formulated hundreds of years ago in England; in Colorado, it was embodied in a statute as well. However, with respect to wills, trusts, and other instruments executed beginning in 2001, the statutory rule was amended from the “life in being plus 21 years” (and other statutory permutations) to the much simpler to calculate “one thousand years”. (If only they had made the change before I attended law school and passed the bar, I would have been saved much brain damage.)

It is important to remember, however, that this state law has no effect on federal estate and gift tax restrictions on trusts, etc. Further, charitable trusts traditionally are not subject to the law against perpetuities – good deeds can go on forever and ever.

Even without the “law against perpetuities”, I do not recom-mend creating a heavy-handed “cold dead hand from the grave” in a will or trust. This is because a decedent cannot possibly envisage how actual facts and circumstances may play out after his death. It is very important to draft a will or trust so that the personal representative or the trustee, respectively, has the fl ex-ibility to make changes where necessary and advisable. For ex-ample, if your devisee or benefi ciary becomes disabled prior to

taking under the will or trust, you would want the personal rep-resentative or trustee to be able to transfer the devise or distri-bution to a special needs trust for that person. Or, if the charity to which you wish to make a bequest has gone out of existence by the time you die, you might want the personal representative to be able to make a transfer to a like-minded institution, rather than have the gift lapse.

Finally, there are certain things the law will not permit the “cold, dead hand from the grave” to control. You cannot, for example, prohibit a devise, gift or distribution to someone because they are married to a particular class of person. You cannot require your money or property to be spent for purposes that are unlaw-ful, or contrary to public policy. There are other examples.

This article is only a very brief overview of a very complex subject, and is intended for general informational purposes only. Please consult your legal advisor regarding your particular facts or circumstances.

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

Representing Colorado Businessesand Business Owners

719.488.9395

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