snippetz_issue 491

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S n I p p e S n I p p e t z t z 719-488-1400 www.monumentcoins.com [email protected] In the MONTEVERDE Center 325 2nd St. Suite U, Monument Co Bring this ad to receive an Extra 5% when we buy your Gold NOW OPEN MONUMENT COINS Buy • Sell • Trade…Coins, Gold & Silver WE BUY GOLD! GET 40% OR MORE IN CA$H FOR YOUR UNWANTED GOLD! Al Dobrick - 30 Years Exp by Deborah Stumpf Elementary My Dear Watson... Continued on Page 2 FREE WEEKLY ISSUE 491 • MARCH 28, 2011 All your protection under one roof. Larry E Stiltner Agency 481 Hwy 105 Suite 212 (719) 481-8382 Bus Monument, CO 80132 ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 NA-07497 Rev. 1/03 http://insurance-agency.amfam.com/CO/larry-e-stiltner/ 15 Month Certificate of Deposit 1.07% 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 March 17, 2011 FIRST NATIONAL BANK MONUMENT 581 Hwy 105 Member 719-481-0008 www.fnbmonument.com Ask Us About PRESTIGE PLUS SAVINGS! WEEKLY MAGAZINE SNIPPETZ DEDUCTS THAT IT’S ELEMENTARY MY DEAR WATSON 7 Day Guest Pass Limit one person. First time guests only. Must be 18 years of age or accompanied by an adult. No cash value. 1728 Lake Woodmoor Dr., Monument, CO 80132 719-481-9021 www.trilakes-fitness.com Our Members Say We’re: “The Best Gym in Monument” NOW OPEN! IT’S TAX SEASON!! SEE THE WALSH COMPANY INC. ON PAGE 3... FOR TAX PREPARATION “The continued popularity of detective stories is a puzzling phenomenon that should be submit- ted to psychiatrists or perhaps to moralists for explanation.” - S. Jarcho, 1968 I n 1841, when Edgar Allen Poe intro- duced C. Auguste Dupin in his book, “The Murders in the Rue Morgue,” a new genre of fiction unfolded: Mystery novels featuring quirky, intelligent, ec- centric crime-solving detectives became global smash hits. Detective Dupin served as a role model for a 855 Highway 105 Palmer Lake, CO 719-487-PINZ www.pinzbowling.com The Premier Family Entertainment Center in the Tri-Lakes Area Saturdays @ 7:00 Starts April 9th This is a couples league bowling the Scotch Doubles format. The 1st bowler throws the strike ball and the 2nd bowler picks up the sparesuntil the 1st bowler gets a strike then you switch the order. Thursday April 7th, 6:30 pm Taste a variety of the finest wines Portugal produces. Sample a delightful array of our Chef’s special hors d’oeuvres emphasizing authentic Portuguese cuisine. Cost is $20 for members, $25 for non- members. Open to the public. Make your reservations today as space is limited to ensure a quality tasting experience. Reservations (719) 884-7237 M�� H�� C� C18945 P���� B�� W� · M�, CO 80132 www.monumenthillcc.com

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Ask Us About 581 Hwy 105 719-481-0008 ISSUE 491 • MARCH 28, 2011  Cost is $20 for members, $25 for non- members. Open to the public. Make your reservations today as space is limited to ensure a quality tasting experience. tt tt ttt ttt ttt ttt ttt ttt ttt ttttt tt ttt t z z zz zz z zz z zz zz zz z zz z zz z zz z zz zz z zz z zz z zz z zz z zz All your protection under one roof. All your protection under one roof. Thursday April 7th, 6:30 pm GET 40% OR MORE IN CA$H FOR YOUR UNWANTED GOLD!

TRANSCRIPT

Page 1: Snippetz_Issue 491

SnIppeSnIppetztzSSnnIppppeeSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSnnnnnnnnnnnnnnnnnnnnnnnnnnnnIIIIIIIIIIIIIIIIpppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeetttttttzzttttttttttttttttttttttttttttttttttttzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzznnInnnnnnnnnnnIIIIIIIIIpppppppppppppppp™

719-488-1400www.monumentcoins.com

[email protected] the MONTEVERDE Center

325 2nd St. Suite U, Monument Co

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

NOW OPEN

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

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

YOUR UNWANTED GOLD!

Al Dobrick - 30 Years Exp

by Deborah Stumpf

Elementary My Dear Watson... Continued on Page 2

FREE WEEKLY

ISSUE 491 • MARCH 28, 2011

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

http://insurance-agency.amfam.com/CO/larry-e-stiltner/

15 MonthCertifi cate of Deposit

1.07% 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 March 17, 2011

FIRST NATIONALBANK MONUMENT

581 Hwy 105Member 719-481-0008

www.fnbmonument.com

Ask Us About

PRESTIGE PLUS

SAVINGS!

zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzWEEKLY MAGAZINE

SNIPPETZ DEDUCTS THAT IT’SELEMENTARY MY DEAR WATSON

7 DayGuest Pass

Limit one person. First time guests only.Must be 18 years of age or accompanied by an adult. No cash value.

1728 Lake Woodmoor Dr., Monument, CO 80132

719-481-9021

www.trilakes-fi tness.com

Our Members Say We’re:“The Best Gym in Monument”

NOW OPEN!

IT’S TAX SEASON!! SEE THE WALSH COMPANY INC. ON PAGE 3... FOR TAX PREPARATION

“The continued popularity of detective stories is a puzzling phenomenon that should be submit-ted to psychiatrists or perhaps to moralists for explanation.” - S. Jarcho, 1968

In 1841, when Edgar Allen Poe intro-duced C. Auguste Dupin in his book, “The Murders in the Rue Morgue,” a

new genre of fi ction unfolded: Mystery novels featuring quirky, intelligent, ec-centric crime-solving detectives became global smash hits.

Detective Dupin served as a role model for a 855 Highway 105 Palmer Lake, CO

719-487-PINZ www.pinzbowling.com

The Premier Family

Entertainment Center in the

Tri-Lakes Area

Saturdays @ 7:00 Starts April 9th

This is a couples league bowling the Scotch

Doubles format. The 1st bowler throws the strike

ball and the 2nd bowler picks up the spares—until

the 1st bowler gets a strike then you switch the order.

Thursday April 7th, 6:30 pm Taste a variety of the finest wines

Portugal produces. Sample a delightful array of our Chef’s

special hors d’oeuvres emphasizing authentic Portuguese cuisine.

Cost is $20 for members, $25 for non-members. Open to the public. Make your reservations today as space is limited to ensure a quality tasting experience. Reservations (719) 884-7237

M������� H��� C������ C��� 18945 P����� B���� W�� · M�������, CO 80132

www.monumenthillcc.com

Page 2: Snippetz_Issue 491

Elementary My Dear Watson...Continued from Page 1

2

ALL RIGHTS RESERVED © 2011

PUBLISHED BYFUNDER ENLIGHTENING, INC.

George Wilkins - PublisherPO Box 789 Monument, CO, 80132

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

www.snippetzonline.com

NEXT WEEKIN SNIPPETZ

FEATURE ARTICLESStrange But True... 4

Tai Yi - “Adolescence”... 5

“Green Home ImprovementsEnvironmentally Friendly

Remodeling Projects”Robyn’s Real Estate Rap... 6

Moments In Time... 8

“How Safe are Cell Phones?”Senior News Line... 9

“Figuring Out Retirement”Social Security Column... 19

CLASSIFIED PAGE 9

GREAT BARGAINSFind Your Treasure!

Business / Employment Opportunities

HEALTH

“The Main Causes of Constipation” To Your Good Health... 10

THE DINING GUIDE

“Single Servings:Baked Bass With Fingerling Potatoes

and Second-Round Fish Cakes” The Kitchen Diva... 13

PUZZLES, TRIVIA,ENTERTAINMENT 14-15

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

Couch Theater DVD PreviewsHuey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

COMMUNITY CALENDAR 17

BUSINESS, FINANCE & LAW“Are Your Investments

Getting Enough Exercise?”Financial Focus ... 16

“Sudden Death: Making ThingsEasier For Those You Love”

The Law According to Stevens... 18

“Getting Control of Your Money”Dollars and Sense... 18

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Elementary My Dear Watson...Continued on Page 3

THIS WEEKIN SNIPPETZ

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SNIPPETZ DEDUCTS THAT IT’SELEMENTARY MY DEAR WATSON

number of writers who began devel-oping their own highly famous de-tective characters, from Sir Arthur Conan-Doyle’s Sherlock Holmes to Mickey Spillane’s Mike Hammer.

SHERLOCK Sir Arthur Conan Doyle brought Sherlock Holmes to fame in 1887 in “A Study in Scarlet.” Following the book, Holmes wrote a series of short stories featuring Holmes and his friend and roommate, Dr. John Watson.

Doyle was born in May 1859 in Ed-inburgh, and later studied medicine at Edinburgh University. In 1885, he became a doctor and practiced until 1891, when he turned to a full-time writing career. Apparently, creativi-ty was in his blood – both his grand-father, a caricaturist, and his uncle, an illustrator, were well-known for their works. And Doyles’ father was an architect, designer and book il-lustrator.

Doyle based Sherlock Holmes on a surgeon he had studied under at Ed-inburgh University. Dr. Joseph Bell was a master at detecting symptoms and making a diagnosis before a pa-tient would even utter a word about his or her illness or injury. Holmes took on that same remarkable abil-ity as a detective solving crimes.

Along with his trademark deer-stalker hat, pipe and spyglass; Hol-mes charmed his audiences by his integrity, trustworthiness, intellec-tual superiority and a no-nonsense, unemotional manner in which he solved crimes.

His friend Watson brought out the warmer, brighter side of his detec-tive buddy.

Rumor has it that a famous violin-

ist, Alfred Sherlock, could have been the name behind “Sherlock,” and “Holmes” could have come from fellow doctor, American Oli-ver Wendell Holmes. Another doc-tor, Dr. John Watson, is credited as the source for Holmes’ friend of the same name.

SNIPPETZ ABOUTHOLMES

• There are more than 300 Sherlock Holmes Societies throughout the world. More than 10,000 indepen-dent reference books, studies and investigative publications have been dedicated to Sherlock Holmes.

• Doyle wrote “A Study in Scarlet” in three weeks in 1886.

• In 1893 in “The Final Problem,” Doyle killed off Holmes, which

spawned anger among fans, prompt-ing numerous letters to Doyle. A few years later, Doyle resurrected Holmes, and achieved success again with the next series.

• Holmes lived with his roommate Watson at 221B Baker Street in London.

• The fi rst Sherlock Holmes fi lm was produced in 1900 and the last to-date was released in 2009, star-ring Robert Downey Jr. as Holmes and Jude Law as Watson. The latter movie was based on the Sherlock Holmes comic books. A sequel to the 2009 movie, “Sherlock Holmes: A Game of Shadows,” is scheduled for release in December 2011.

• In 1939, the Sherlock Holmes

Page 3: Snippetz_Issue 491

3

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

Elementary My Dear Watson... Continued from Page 2

Elementary My Dear Watson...Continued on Page 4

Janet Susan Terry

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The place to turn for ShelterInsurance protection for

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We’re Your Shield, We’re Your Shelter!

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novels were developed as a series of fi lms starring Basil Rathbone.

• Today, the American television series “House,” starring British ac-tor Hugh Laurie, is a subtle hom-age to Holmes, says creator David Shore. Dr. Gregory House (Laurie) is portrayed as the medical version of Holmes. Dr. House is peculiar, eccentric, quick to judge a situation, intelligent and a non-conformist who lives at an apartment numbered 221B! House’s best friend and men-tor is Dr. James Wilson.

THE GOLDEN AGEAs the crime-mystery stories and the detectives who solved them grew and evolved, the fi rst half of the 20th century was often referred to as the golden age of the genre. There were two types of story lines: the classical and hard-boiled.

The classical style refl ected the

British authors’ original themes of solving crimes through shrewd and systematic detective work. Besides Holmes, Agatha Christie’s Miss Jane Marple and Hercule Poirot were great examples of classical style.

Poirot was a Belgian detective cre-ated in 1916 with Christie’s “The Mysterious Affair at Styles.” Poirot was known for his waxed, black mustache and his perfect style of dress. He was orderly and methodi-cal and appeared in 33 novels and 65 short stories.

Jane Marple had an interesting pro-fi le, inspired by author Christie. Marple was an elderly single wom-an – tall, thin, plain, with white hair and wrinkles. Miss Marple could solve crimes with all the coyness of a lurking coyote – her exterior and unassuming ways kept the best of them guessing.

American authors developed anoth-er type of detective – rough exterior, ambitious, macho and a bully who wasn’t afraid of a fi ght. The hard-boiled styles were read as short sto-ries published in pulp fi ction maga-zines. Raymond Chandler brought the hard-boiled image to life with Phillip Marlowe – a tough, wise-cracking detective famously played by Humphrey Bogart in the fi lm version of Chandler’s “The Long Goodbye.”

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Page 4: Snippetz_Issue 491

4

SNIPPETZ® WEEKLY MAGAZINE

By Samantha Weaver

• It was Kurt Vonnegut, one of the most infl uential writers of the 20th century, who made the following sage observation: “There is no rea-son why good cannot triumph as of-ten as evil. The triumph of anything is a matter of organization. If there are such things as angels, I hope they are organized along the lines of the Mafi a.” • That cork you pulled out of your wine bottle was made from the bark of a tree. The cork oak has to grow for 25 years before any cork is har-vested, and then it’s stripped only every 10 years thereafter. • If you can predict the future by watching the fl ight patterns of birds, you are engaging in ornithomancy. • The coldest place on earth is a place known only as Ridge A in Antarctica. The average winter tem-perature there is -94 degrees F.

• According to archaeological re-search, the bikini is nothing new; evidence has been found that the two-piece garment was worn in parts of Italy as early as 2000 B.C.

• In 1950, 70 percent of all the cars, buses and trucks in the world could be found in the United States.

• According to the Consumer Elec-tronics Association, the average television screen in United States homes is growing by 1 inch every year.

• It was Ambrose Bierce, in his “Devil’s Dictionary,” who defi ned “admiration” as “our polite recog-nition of another’s resemblance to ourselves.”

• Ever wonder why magazine pub-lisher Hugh Hefner chose a rabbit as the symbol of his Playboy maga-zine? Evidently, when the mogul was a small boy, one of his treasured possessions was a blanket with bun-nies all over it.

***

Thought for the Day:

“I’ve done the calculation, and your chances of winning the lottery are identical whether you play or not.” -- Fran Lebowitz

(c) 2011 King Features Synd., Inc.

Elementary My Dear Watson...Continued from Page 3

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During and after World War II, fi c-tional detectives became real and more authentic, as authors began mirroring them after actual police detectives.

Bogart also played Sam Spade in the classic 1941 fi lm version of “The Maltese Falcon,” written by Dashiel Hammett, the inventor of Spade. In the novel, Spade runs a detective agency in San Francisco with his partner Miles Archer, who is murdered early in the story.

Mike Hammer solved crimes for his author and creator, Mickey Spillane. Hammer was portrayed with big shoulders and a strong, square jaw – an intimidating sort. But Hammer

was cast in the books amidst plenti-ful sex and violence, which led to heavy censorship in consideration of fi lm versions.

CRIME SOLVERSTODAY

Whether he – or she – is featured in books, fi lm or television; the fi c-tional detective has been an iconic, beloved, sometimes suffering char-acter over decades. A good mystery is only as good as its detectives. Many fi ctional detective characters have been molded to fi t the “sub-genres” of the mystery – from serial killer stories (Criminal Minds) to criminal plots revolving around the military (NCIS).

Answers: Kinsey Millhone – Sue Grafton • Spenser – Robert ParkerLucas Davenport – John Sandford • Inspector Morse – Colin Dexter

Alex Cross – James Patterson • Chief Inspector Barnaby – Caroline GrahamSgt. “Pepper” Anderson – “Police Woman” • Det. Andy Sipowicz – “NYPD Blue”

Det. Olivia Benson - “Law and Order: SVU” • Det. James (Sonny) Crockett – “Miami Vice”

Colin Dexter

“NYPD Blue”

“Miami Vice”

Caroline Graham

“Law and Order: SVU”

Robert Parker

James Patterson

Sue Grafton

John Sandford

“Police Woman”

Kinsey Millhone

Spencer

Lucas Davenport

Inspector Morse

Alex Cross

Chief Inspector Barnaby

Sgt.” Pepper” Anderson

Det. Andy Sipowicz

Det. Olivia Benson

Det. James (Sonny) Crockett

Crime-solving best sellers and television shows have bands of loyal followers. Are you one of them?

Match the following fi ctional detectives in column A with their author or their television show in column B. See answers below

A B

Page 5: Snippetz_Issue 491

5

SNIPPETZ®: THE LOCAL SCOOP

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For many people, adolescence can be a sticky path on which to walk. There are many fac-

tors coming into play with the time frame of being an adolescent. Some are hormones, friendships, possible bullying, grades, teachers, sports, beginning a fi rst job, parents, and perhaps siblings. Not to mention, an adolescent may be making an attempt at expressing creativity/individual-ity. Put all these factors together and even a well-rounded adolescent may fi nd some diffi culty. Take these fac-tors and place an angry, depressed, and/or anxiety ridden adolescent into the equation and one may fi nd much diffi culty. What do parents do in this situation?

In my experience, many parents at-tempt to do the best job they can in raising their child. Many parents at-tempt to emulate their own parents’ modeling of raising children. Howev-er, in this current time frame, that may not work. One may have a child who grows into an adolescent that is ‘dif-ferent’. Maybe that adolescent will attempt to express his or her creativ-ity differently than how the parents attempted to express their creativity. Perhaps, the parents did not express their creativity for various reasons and forgot they wanted to in the fi rst place. Many times, parents forget what adolescence feels like. The par-ents may become caught up earning a living, running a household, and may

TAI YI-ADOLESCENCE

be concerned about the economy and/or upcoming college expenses. These worries can lead parents to forget the challenges of adolescence.

If parents are experiencing diffi culty with their adolescent, the recommen-dation is to fi rst remember what ado-lescence was like many years ago. Then, it is important to allow the ado-lescent to express his or her creativity/individuality in a ‘safe’ environment. Safe means no one is judged.

Create an environment where it is safe to communicate and where it is safe to feel any and all emotions. Many times, adolescents feel it is ‘wrong’ to feel a certain way. I have always expressed to adolescents that it is never ‘wrong’ to feel any sort of way and that everyone has the right to express how he or she feels. It is the method in which it is expressed that can be seen as disrespectful.

As a parent, spend time with your ad-olescent doing things he or she wants to do as a form of entertainment. Be engaged with the adolescent during that time. It would also be benefi cial for the parent to examine if he or she bonded with his or her own parents. If the answer is no, then that person may not be bonded with his or her own child. That can also add to the issue. Life Energy Flow Tai Yi can assist with understanding communi-cation, love, and bonding. It can aid a person in feeling more love and ex-perience a more intense bonding with him or herself and then with his or her adolescent. This results in creat-ing a solid relationship with oneself and the adolescent, which results in an adolescent feeling safe in express-ing creativity and individuality. Tami Urbanek

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Page 6: Snippetz_Issue 491

6

SNIPPETZ®: THE LOCAL SCOOP

Find All Past Articles: www.SpringsRealtyTalk.comor my Eco-Friendly Articles: www.GreenColorado.info

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

email [email protected]

Article by Robyn GrahamBroker / Owner

Green Home ImprovementsEnvironmentally Friendly Remodeling Projects

During a "down market" manyhomeowners are staying put andtaking this time to make homeimprovements rather than moving.Making low-cost improvements toyour investment is the perfect proj-ect for this economic time. Interestrates for home improvement loansare low and many previously un-available contractors are now inneed of work.

Knowing what project to do andhow to do it will make all the differ-ence in the cash you'll re-coupwhen you finally do end up selling.A very important thing to consider isthe huge movement of enviromentalresponsibility that has evolved inthe United States especially in thelast few years. Using environmen-tally friendly products in your homeimprovement projects may be aforesight into the future of creatinga sellable home. More and morepeople are seeking out "greenhomes" that promote healthy livingfor our families and our planet.

Here are some ideas of "GreenHome Improvements" that willhelp you save on your monthlybills, help make your home lesstoxic, and may even make yourhome more attractive to futurehome buyers.

Tankless Water Heaters areeither gas or electric and can beinstalled inside or outside yourhome. (Electric tankless waterheaters cost less, but gas is morecost efficient.) Tankless waterheaters heat water on demand, soyou’re not continually heating 40 to50 gallons you’re not using. Also,you never run out of hot water witha tankless water heater!

Bamboo Flooring is actually nota wood. Believe it or not, it's agrass! It grows quickly, within 3 to5 years, so it's a renewableresource. Bamboo is resilient andcomes in a variety of colors/shades.

Marmoleum Flooring is thebrand name of a linoleum madefrom natural linseed oil, a bindingagent obtained from pine trees(without harming trees), renewable

wood products, ground limestone,and jute, which is a plant fiber.They are stain resistant, do notabsorb water and are biodegrad-able at the end of its useful life.

Eco-Friendly Wood Flooringsuch as exotic hardwoods BrazilianCherry or White Tigerwood aregrown in South America. These areharvested from well-managedforests with renewable resources.

Solar Roof Panels are a greatway to save money. Many utilitycompanies offer rebates to homeowners who install solar panels.

Cool Roofs are light coloredroofs, usually white or pastel, thatreflect infrared rays. They aremade from metal, asphalt or tile andit's almost impossible to tell themapart from traditional roofs.

Reclaimed Wood (salvagedlumber) can be used to build walls,support beams or roofs. Manygreen companies specialize inobtaining materials from olderhomes that are about to be torndown. Instead of filling up landfills,previously used “qualified” lumber isput back into new construction.

Dual Pane Windows offer insu-lation against the elements andsoundproofing qualities. Manyenergy-efficient windows qualify forrebates and credits. They are avail-able in any style and can be madefrom vinyl, metal or wood.

A Programmable Thermostatwill control your heating and coolingneeds automatically, up to 4 times aday. Set it to turn on right beforeyou wake up and turn off when youleave the house.

Energy Star Ceiling Fans are50% more efficient than convention-al fans and use less energy to oper-ate. (ENERGY STAR is a govern-ment-backed program that identifiesenergy efficient products.)

Low VOC Paint will give theinterior of your home a non-chemi-cal, fresh transformation. The prob-lem with regular paints is that theycontain volatile organic compounds(VOC) that contribute to air pollutionand respiratory problems.

Robyn [email protected]

www.MillhouseRealty.com

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Page 7: Snippetz_Issue 491

7

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Page 8: Snippetz_Issue 491

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• On March 28, 1774, upset by acts of de-struction of British property by American colonists, the British Parliament enacts the Coercive Acts. The acts included closing the port of Boston and making British of-fi cials immune to criminal prosecution in Massachusetts.

• On March 30, 1820, Anna Sewell, author of “Black Beauty,” is born. “Black Beau-ty,” the fi rst signifi cant children’s story in the English language to focus on animal characters, established the precedent for countless other works. The story, narrated by the horse, showed Black Beauty’s pro-gression through a series of increasingly cruel owners.

• On April 2, 1863, responding to acute food shortages, hundreds of starving wom-en riot in the Confederate capital of Rich-mond, Va., demanding that the government release emergency supplies. At one point, Confederate President Jefferson Davis threw his pocket change at the mob from the top of a wagon.

• On April 3, 1882, Jesse James, one of America’s most notorious outlaws, is shot to death by fellow gang member Robert Ford, who betrayed James for bounty mon-ey. James was shot in the back while his mother cooked breakfast.

• On March 31, 1931, Knute Rockne, the legendary Notre Dame football coach, is killed in a plane crash in Kansas. Stude-baker decided to name its new line of low-priced vehicles Rockne after the revered coach, agreeing to pay his widow 25 cents for each car sold.

• On March 29, 1951, Julius and Ethel Rosenberg are convicted of espionage for their role in passing atomic secrets to the Soviets during and after World War II. Sup-porters claimed that during World War II, Russia had been an ally, not an enemy. The husband and wife were executed in 1953.

• On April 1, 1963, the ABC television net-work airs the premiere episode of “General Hospital,” the daytime drama that would become the network’s most enduring soap opera and the longest-running serial pro-gram produced in Hollywood.

(c) 2011 King Features Synd., Inc.

THE PLACE FOR GREATBIRTHDAY GIFTS

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Page 9: Snippetz_Issue 491

9

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HOW SAFE ARECELL PHONES?

Whenever we keep hearing confl icting opinions, it’s probably something we should pay attention to. In this case it’s cell phones and the radiation they emit: Do they cause brain cancer -- or not?

Consumer Reports, always a solid, no-nonsense publication, summed up a study published in the Journal of the American Medical Association on the effects of cell phones on humans. Here’s what scientists learned:

Yes, there is a short-term effect from radiation in the phones. In the study, participants had one cell phone pressed to each ear for 50 minutes. One played sound and one was muted. Research-ers did PET scans, one with phones turned on and one with the phones off. The result was much more activ-ity in the brain near the antenna on the

phones that were turned on.

And here’s what researchers conclud-ed: They’re not sure. Granted, there’s more brain activity, but they still don’t know if it has health risks. And the Federal Communications Commis-sion says there are no health risks, in spite of all the concern.

Cell phones are handy to have, es-pecially for seniors. We can call for directions to wherever we’re going (after we’ve pulled over to the side of the road, of course). We can let people know we’ll be late so they don’t wor-ry. We can carry them in our pocket when we’re out gardening, just in case we fall or need help.

Still, until the question of cell phone safety is fi nally sorted out, here are two suggestions: Don’t use a cell phone as your main house phone, and when you do use a cell phone, use the little earplugs so the phone isn’t next to your head.

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) 2011 King Features Synd., Inc.

SNIPPETZ®

CLASSIFIED

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

Call: 719-487-0484

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

Ads must be submitted

by E-mail or U.S. Mail

E-mail: [email protected]

or

Funder Enlightening, Inc.

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2000 BUICK CENTURYV6 - 62,000 miles - 4 Dr.

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LOOKING FOR A PLACE TO LEARN ABOUT SPIRITUALITY

WITHOUT RELIGION?Empowerment Through Healing is forming a class, in Monument,

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OFFICE/RETAIL AVAILABLE FOR RENT

Great value on retail location in Front St. Square in the heart of downtown Monu-ment. Join other successful retailers and

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Page 10: Snippetz_Issue 491

10

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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719-592-1365www.csallergy.com

550 Highway 105Monument, CO 80132Wednesday Afternoons

At the Medical Centernext to Safeway

THE MAINCAUSES OF

CONSTIPATIONDEAR DR. DONOHUE: What brings on severe constipation? My movements are six to eight days apart. The doctor says milk of magnesia is no good. I am 85. Any help? -- C.Y.

ANSWER: A diet too low in fi ber, not drinking enough fl uids and lack of physical activity are the main ingredi-ents for constipation. Sometimes, pre-scribed medicines are at fault.

Fiber is the indigestible part of foods. It holds on to water as food passes through the intestinal tract, and keeps the food residue moist and soft. Fruits, vegetables and whole grains are fi ber sources. “Whole grains” mean the grains haven’t been refi ned. They still have their outer coat, the bran. You can fi nd many whole-grain breads and ce-reals. One cereal is All-Bran. It’s not the only one. If you can’t get enough fi ber in foods, then turn to such things as Metamucil, FiberCon or Citrucel. You’ll fi nd them in every drugstore.

Older people often drink less fl uid than they need. Their thirst sensation isn’t as strong as it once was. Make sure you’re taking in enough liquids. Water isn’t the only liquid that keeps you hydrated.

After breakfast, take a walk. Physical activity stimulates the digestive tract to move food through it more quickly. That also keeps undigested food moist and soft. Take more walks throughout the day.

Doctors used to be quite reluctant to suggest laxatives to their patients. They were afraid that patients would get into the “laxative habit” or that the

colon would become dependent on laxatives. Neither of these things hap-pens. No single laxative works for all. You have to fi nd one that suits you. I don’t know why your doctor is down on milk of magnesia. It works for many. If it’s not working for you, try Miralax. Follow its directions for use. Once you have established a regular pattern to your movements, you can back away from laxatives so you’re not headed in the direction of too many evacuations. Stay on the regi-men of fi ber, fl uids and activity.

The booklet on constipation provides other tips on how to combat this all-but-universal problem. Readers can order a copy by writing: Dr. Donohue -- No. 504W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please al-low four weeks for delivery.

***

DEAR DR. DONOHUE: Lately I have noticed my friend’s head shaking when she is talking or just standing. This just started. I spoke to her about it, and she said she won’t see a doctor. She had a problem with her ear and got that taken care of. Could her ear have caused the shaking to happen? -- Anon.

ANSWER: The head shaking most

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likely is due to essential tremor, also called familial tremor. It affects the head, the hands, the voice or all three. Your friend’s ear problem didn’t cause it; her genes did.

If the shaking doesn’t bother her, she can ignore it. It’s not going to harm her health or shorten her life. If it does bother her, then a medicine like pro-pranolol (Inderal) usually can abolish it.

***

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

(c) 2011 North America Synd., Inc.All Rights Reserved

Page 11: Snippetz_Issue 491

11

SNIPPETZ® WEEKLY MAGAZINE

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THEGREAT SPHERE

By Nick Yanez

The sun – It is the star at the center of the solar system. It is almost a perfect sphere. Its size multiplies

the Earth by 109 times. A mere stare at the star can destroy your vision. Its bright nature lights our paths, as we step through the corridors of life. It is astonishing. Un-fortunately, it also consists of magnetic fi elds woven with mass amounts of sear-ing plasma; or, in other words, it’s hot. And it burns.

So don’t get burnt by the great sphere in the sky. At Pinz Bowling Center (located in Palmer Lake at 855 hwy 105) you can give summer a great twist, by joining a summer bowling league. BUT WAIT! It is spring, you ask, the sun has just arrived and I’m not red as a beet yet, why would I join a league now? Well, imaginary per-son asking question in my advertisement article, the answer is quite simple – sum-mer league sign-ups begin this week. It’s your chance to plan for your boiling days this year, and no one has more league

varieties like Pinz; there’s something for everyone. There will also be lunch spe-cials and weekly events all summer long. So enjoy the spring. Have a picnic. But don’t forget to think ahead for when the sun strikes this summer. Give yourself something to do in the shade. Save money on sun screen. Join a Summer League at Pinz… do it now.

For more information on your summer plans at Pinz, call them, at (719) 487-7469.

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Page 12: Snippetz_Issue 491

12

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!

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OPEN 4:30PM - 9:00PM • CLOSED TUESDAY

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PLANNING A PRIVATE OR COMPANY 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

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Page 13: Snippetz_Issue 491

13

SNIPPETZ® DINING GUIDE

Pizza • Pasta • LasagnaSalads • Sandwiches

Beer • Wine

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

4 Hwy. 105 • Palmer Lake719-481-3244

website: http://www.bellapanini.com

GLUTEN FREE - Pizza, Pasta, SaucesTry Our Specials

Tuesday through Thursday!

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

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CLOSED FOR THE SEASONJANUARY 3 THROUGH MARCH 21

Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

Sundance Mountain Lodge1865 Woodmoor Drive

Monument, Colorado 80132719.481.6000

www.sundancemountainlodge.com

(Sunday)

BRUNCHMIMOSAS AND BLOODIES

Monday: .30c wings and Kids eat free! • Tuesday: We are smokin ribs! All u can eat : $14.99 • Wednesday: $2 margs and $7.99 fajitas • Thursday: 1/2 price apps and Trivia Night • Friday: Best Karaoke in Town • Saturday: LIVE MUSIC; Martini, Red Wine and Prime Rib Specials • Sunday: Brunch, Mimosas and Bloodies • Everyday: best breakfast in town 7am; Happy Hour 3-7; military discounts, non-profi t specials.

SINGLE SERVINGSIf you’re single and dinner consists of whatever you can fi nd in the refrigerator (eaten while leaning against the sink), it’s time for a change. In a world of immense pov-erty of food and of spirit, a meal should be a celebration of the blessings of life. You should always treat yourself and your body well. “The Pleasures of Cooking for One,” by Judith Jones, celebrates the joys of cooking in small quan-tities. The beauty of the cookbook is that it allows the cook to create a fabulous meal and includes additional recipes that incorporate “variations for second and third rounds,” as Jones refers to leftovers.

Publisher’s Weekly reviewed the book as follows:“Longtime Knopf editor and executive Jones follows up her recent food memoir with this civilized, unfussy guide to cooking -- and cooking well -- for solitary diners, for those ... who want to roll up their sleeves and enjoy, from day to day, one of the great satisfactions of life. Form-ing and revising cooking strategy is a cornerstone of her digressive, folksy approach, so she provides lists of equipment deemed essential, suggestions for dealing with packaging that coerces individuals into buying -- and then wasting -- more than necessary, and tips for storing spoil-age-prone foods.

“Her other key to enjoying cooking -- while reducing the costs of eating -- is fl exibility. She doesn’t skip desserts, entertaining or self-indulgence, and best of all, her whole book benefi ts from the diverse and cumulative gleanings of work with many of the great cooks and cookbook writ-ers (including Julia Child, of course) of the latter half of the 20th century.”

This recipe for Baked Bass with Fingerling Potatoes also includes “variations for second rounds” in the form of de-licious Fish Cakes.

BAKED BASS WITHFINGERLING POTATOES

You’re bound to have leftover fi sh. Save about 3/4 cup to make fi sh cakes later on in the week. (See second recipe.)

1 whole bass (black, sea or striped), 1 1/4 to 1 1/2 poundsSalt1/2 tablespoon olive oil3 or 4 fi ngerling potatoes (5 ounces)1 small zucchini (about 5 ounces)Freshly ground pepper2 scallions, chopped2 tablespoons chopped fresh fl at-leaf parsley, plus a few whole sprigs (optional)1 tablespoon chopped fresh tarragon or dillJuice of 1 lemon1. Preheat oven to 400 F. Rinse and dry fi sh, and rub some salt (about 3/8 teaspoon) and half of olive oil over it.2. Peel fi ngerlings; cut lengthwise into quarters. Cut zuc-chini in half lengthwise, then into 1 1/2-inch pieces. Toss potatoes and zucchini in rest of oil and season lightly with salt and pepper (about 1/8 teaspoon of each). Spread veg-etables in the bottom of a baking dish big enough to hold bass.3. Fill cavity of fi sh with scallions and chopped herbs. Lay fi sh on top of vegetables, and sprinkle with lemon juice and a little salt. Add sprigs of herbs (if using); bake 30 to 35 minutes, or until fl esh is opaque. Transfer whole fi sh with vegetables to a plate. Serves 1.

SECOND-ROUND FISH CAKES

If you want the outside of your fi sh cakes to be very crusty, brush them with beaten egg and dredge them in about 1/4 cup panko (Japanese breadcrumbs), These light breadcrumbs give the fi sh cakes a wonder-ful, crusty fi nish. If desired, you also may vary the seasoning: Add fresh dill, tarragon or chives, in addition to the scallions and ginger to the fi sh mixture.

3/4 cup fl aked cooked fi sh (as suggested in Baked Bass with Fingerling Potatoes recipe)3/4 cup mashed cooked potatoes1 or 2 small scallions, including tender green part, fi nely chopped (about 2 table-spoons)1/4 teaspoon grated fresh ginger, plus more to tasteSalt and freshly ground pepper1 tablespoon butterLight olive oil, for fryingLemon wedges, for serving (optional)

1. In a medium bowl, mix fi sh and potatoes with a fork. (If the fi sh you are using has been fried, scrape off the crusty exterior before fl aking because you want the cakes to be smooth inside.)2. Work in the scallions or green onions, and the ginger, with about 1/8 teaspoon salt and a pinch of pepper. Combine ingredients in bowl with fork. If desired, add more of each to taste.3. Form the mixture into two round patties about 3 1/2 inches in diameter. Heat but-ter and/or oil (using a mixture of both will help prevent the butter from burning) in a medium skillet over medium heat; when

sizzling, lay fi sh cakes in skillet. Cook 3 to 4 minutes on each side. Serve with lemon wedges (if using) on the side. Serves 1.

(Recipes adapted from “The Pleasures of Cooking for One,” by Judith Jones, (c) 2009, published by Alfred A. Knopf, a di-vision of Random House, Inc.)

***

Angela Shelf Medearis is known as The Kitchen Diva! She’s the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Medearis is an award-winning children’s author, culinary histo-rian and the author of seven cookbooks, including “The New African-American Kitchen” and her new cookbook, “The Kitchen Diva Cooks!” Visit her website at www.divapro.com.

(c) 2011 King Features Synd., Inc.

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14

(c) 2011 King Features Synd., Inc.

Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. GENERAL KNOWLEDGE: What is the fi rst level of Girl Scouts?2. TELEVISION: Who was best known in the role of Alice Kramden in “The Honeymooners”?3. CHEMISTRY: What is the Latin name for iron?4. ANATOMY: Where is the pituitary gland located?5. COMICS: What is the dog’s name in the comic “Dennis the Menace”?6. AD SLOGANS: What product was advertised by the slogan “A little dab’ll do ya!”?7. GEOGRAPHY: What is the Cana-dian province known by the abbrevia-tion NB?8. FAMOUS QUOTATIONS: Who said, “Act as if what you do makes a dif-ference. It does.”? 9. BIBLE: From which book does the quote, “To every thing there is a sea-son, and a time to every purpose un-der the heaven,” come?10. MUSIC: Who wrote the song “Dia-monds and Rust”?

1. Jacoby Ellsbury and Michael Bourn, the A.L. and N.L. leaders in stolen bases in 2009, respectively, com-bined for 131 stolen bases. When was the last time before 2009 that the two stolen-base leaders topped 131? 2. In 2009, Philadelphia’s Roy Hal-laday became the second pitcher to no-hit the Florida Marlins in their history. Who was the fi rst to do it?3. When was the last time before the 2009 season that Ohio State and Oregon met in the Rose Bowl?4. In the summer of 2009, Quentin Richardson was traded four times. Name three of the fi ve NBA teams involved in the deals.5. How many goaltenders played at least 70 games in the 2009-10 NHL season?6. Who was the fi rst NASCAR driver to be named Athlete of the Year by The Associated Press? 7. Name the only Grand Slam event tennis player Justine Henin did not win during her career?

(c) 2011 King Features Synd., Inc.

SNIPPETZ® PUZZLES AND TRIVIA

1. Who is Concetta Rosa Ma-ria Franconero? What was the name of her fi rst U.S. No. 1 hit?2. Which solo artist wrote and released “Blame It on the Boogie” before the Jacksons did?3. Who released “(Your Love Keeps Lifting Me) Higher and Higher,” and when?4. Name the band that re-leased “I’ll Be There for You.”5. What was the original band name of Tavares, aka The Ta-vares Brothers?6. Who fi rst sang “A Lover’s Question,” written by Brook Benton and Clyde Otis?

New DVD Releases forWeek of March 28, 2011

PICKS OF THE WEEK“Tangled” (PG) -- The classic fairy tale “Rapunzel” is the subject of Disney’s 50th animated feature, and it follows the studio’s tried-and-true formula to the letter. Rapun-zel (voiced by Mandy Moore) is a girl on the verge of turning 18, and she longs to leave the tower where she’s been kept all her life so she can witness the fl oating lights that appear every year on her birthday. Her fortunes take a turn when notorious thief

Flynn Ryder (Zachary Levi) climbs into her tower and the two make a run for it. As with all Disney fi lms, songs will be sung, Important Lessons will be learned, and tie-in merchandise will be sold by the bushel. That said, I’m sure your little girl will love the fi lm.

“Black Swan” (R) -- Natalie Portman won the Oscar for her portrayal of Nina, a bal-lerina driven to madness in director Darren Aronofsky’s often slow-paced psychosexu-al thriller.When the ballet company director casts Nina as both the Black and White Swan in his production of “Swan Lake,” Nina not only has to face the challenge of playing two emotionally different roles, but also has to contend with her overbearing mother (Barbara Hershey), the whacked-out diva she’s replacing (Wynona Ryder in a grip-ping performance) and a viciously ambi-

tious newcomer (Mila Kunis).Although slow at times, and despite a few bits of scenery-chewing, Aronofsky man-ages to keep the suspense building through-out the fi lm, culminating in an explosive and chilling fi nal act.

“The Ten Commandments: Limited Edi-tion Gift Set” (G) -- A mainstay of Easter Sunday television for decades, Cecil B. DeMille’s legendary biblical epic gets an equally audacious release this week: Six discs (three DVD, three Blu-Ray) contain-ing both the 1956 Charlton Heston version and the original 1923 silent original, hours of special features, a 50-page book, a re-production of the original 1956 souvenir program and more. If you’re not inclined to plunk down 90 bucks for this boxed set, there are more affordable DVD and Blu-Ray versions of the fi lm also being released this week.

TV SHOWS“Ken Burns: The Civil War”

Commemorative Edition DVD“Upstairs, Downstairs” The Complete Series

-- 40th Anniversary Collection“Mad Men” Season Four

“Rocky & Bullwinkle & Friends”Complete 5th Season

“Treme” The Complete First Season “In Plain Sight” Season 3

“Happiness Is a Warm Blanket, Charlie Brown”“Xena Warrior Princess” Season 2“Emergency: The Final Rescues”

“Gangland: The Final Season”“Here’s Lucy” Season Four

“Vegas” The Second Season, Volume Two“Hercules: The Legendary Journeys”

Season Two“Everybody Loves Raymond” Seasons 6 and 7

“Nova scienceNOW:What’s the Next Big Thing”

(c) 2011 King Features Synd., Inc.

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

(c) 2011 King Features Synd., Inc.

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15

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. Connie Francis. Her fi rst No. 1 hit was “Everybody’s Somebody’s Fool,” followed immediately by “My Heart Has a Mind of Its Own” in 1960.2. The song was written and released by English artist Mick Jackson (no relation) in 1978. The Jacksons’ ver-sion did better on the charts, but not much.3. Jackie Wilson, in 1967. Rita Coolidge followed with her own cover of the song in 1977.4. Bon Jovi, in 1988. The song was the New Jersey group’s fi nal No. 1 hit.5. Chubby and the Turnpikes in 1959. Their fi rst R&B No. 1 was a 1974 cover of “She’s Gone,” written by Daryl Hall and John Oates.6. Clyde McPhatter, in 1958. Country music singers Del Reeves and Jacky Ward had successful remakes of the song in the 1970s.

1. Daisy2. Audrey Meadows

3. Ferrum4. Base of the brain

5. Ruff6. Brylcreem

7. New Brunswick8. William James9. Ecclesiastes10. Joan Baez

1. Brian Hunter (74) and Tony Womack (60) combined for

134 in 1997.

2. The Los Angeles Dodgers’ Ramon Martinez, in 1995.

3. It was after the 1957 season.

4. The Knicks, Grizzlies, Clippers, Timberwolves and Heat.

5. Six -- Martin Brodeur, Henrik Lundqvist, Miikka Kiprusoff,

Jonathan Quick, Craig Anderson and Evgeni Nabokov.

6. Jimmie Johnson, in 2009.

7. Wimbledon was not among her seven Grand Slam titles.

ARIES (March 21 to April 19) With change dominant this week, don’t be surprised to fi nd new facts emerging that could put anoth-er slant on a situation and offer you another choice. Think it through before you decide.

TAURUS (April 20 to May 20) There could be some lingering problems from a previous matter that involved a decision you felt you had to make. Resolve the situation with your strong Taurean no-nonsense approach.

GEMINI (May 21 to June 20) The Gemini’s carefully made plans could be undone by someone’s unexpected decision. Getting the full story behind that surprise move can help you decide how to deal with the matter.

CANCER (June 21 to July 22) Recently un-covered information might put a new light on a situation you thought had been resolved. Keep an open mind about possible changes that you might have to consider.

LEO (July 23 to August 22) With a poten-tial revision of an old agreement, you can’t beat the Big Cat for knowing how to sharpen a “clause” to the best advantage. Someone close could have the news you’ve been wait-ing for.

VIRGO (August 23 to September 22) Cer-tain issues in the workplace could put you in the middle of a dispute you’d rather not deal with. Express your honest feelings before the pressure to take sides builds up.

LIBRA (September 23 to October 22) You might feel uneasy disagreeing with someone you’ve been close to. But your relationship should be able to withstand and even thrive when confronted with your true feelings.

SCORPIO (October 23 to November 21) A romantic situation seems to be creating more confusion than you can handle. If so, own up to your feelings. The sooner you do, the bet-ter your chances are for working things out.

SAGITTARIUS (November 22 to December 21) With change directing the Archer’s aim, consider a second look at your plans and see where they might benefi t from a revision. A workplace matter is close to a resolution.

CAPRICORN (December 22 to January 19) New contacts help you learn some important information about upcoming developments. The week calls for the Sea Goat to be more fl exible than usual in a number of matters.

AQUARIUS (January 20 to February 18) With both change and uncertainty in your as-pect, you might feel less confi dent in a previ-ous decision. That’s OK. Check it out and see where it could be modifi ed, if necessary.

PISCES (February 19 to March 20) Old rela-tionships that seemed to be sinking are buoy-ant again, and new relationships are benefi t-ing from Cupid’s loving care. This could be a good time to make a major move.

BORN THIS WEEK: While you prefer to tread your own path, you’ll go out of your way to help someone in need.

(c) 2011 King Features Synd., Inc.

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)

LIVE MUSIC EVERY

SATURDAY NIGHT

FRIDAY NIGHT

KARAOKE

8PM-MIDNITE

MARCH 28, 2011

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16

SNIPPETZ® BUSINESS, FINANCE & LAW

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

ARE YOUR

INVESTMENTS

GETTING

ENOUGH

EXERCISE?Provided by Adam Grayson

of EdwardJones Investments

Now that spring is here, you may fi nd it easier to get out-side to run, bike or take part

in other physical pursuits that you enjoy. As you know, the more active you are, the more effi ciently your body will work. And the same can hold true for your investments: The more exercise they get, the more potential to work on your behalf.

Just how do investments get “exer-cise”? Through lots of activity. And you can keep your investments ac-tive in at least two ways: through systematic investing and dividend reinvestment. Let’s take a look at both these techniques.

When you engage in systematic in-vesting, commonly called “dollar cost averaging,” you are continually putting your money “in motion.” Es-sentially, you put the same amount of money into the same investments at regular intervals. For example, you might decide to invest $100 per month in Company ABC stock. To impose this investment discipline on yourself, you could even have the money sent directly from your checking or savings account.

Of course, since the price of ABC stock, like those of all stocks, is constantly changing, your $100 investment will most likely buy different numbers of shares each month. This can work to your ad-vantage, because when the stock

price of ABC goes down, your $100 will buy more shares. When the price goes up, you’ll automatically be a smart enough “shopper” to buy fewer shares, just as you’d typically buy less of something when its price goes up. Over time, systematic investing typically results in a lower average cost per share than if you were to make sporadic lump-sum invest-ments. If you can lower the cost of investing, this may help boost your investment returns. This also can be an effective way to fund your retire-ment account(s) each year. (Keep in mind, though, that systematic in-vesting does not guarantee a profi t or protect against loss. Also, you’ll need the fi nancial resources avail-able to keep investing through up and down markets.)

Dividend reinvestment is similar to systematic investing in that it al-lows you to build more shares of an investment. But when you reinvest dividends, you don’t even have to take money from other sources to increase your shares — you sim-ply request that a stock or a mutual fund, instead of paying you a divi-dend in cash, reinvest the dividend into that same stock or mutual fund. It’s an effortless way of adding shares. Similar to dollar cost aver-aging, dividend reinvestment im-poses investment discipline — you automatically keep putting money in the market during up and down periods. (Don’t forget, though, that dividends can be increased, de-creased or eliminated at any point without notice.)

Exercising your investment dollars in these ways can help you go a long way toward keeping your portfolio in good shape — enabling you to make healthy progress toward your important long-term goals.

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

LEARN ABOUT THE MARKET WITH A FREE CUP OF COFFEE.

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

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

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

Date:Time:Place:

www.edwardjones.com Member SIPC

Adam R Grayson, AAMS®Financial Advisor.

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

Thursday, December 16, 2010

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

Thursday, April 21, 2011

of money into the same investments at regular intervals. For example, you might decide to invest $100 per month in Company ABC stock. To impose this investment discipline on yourself, you could even have the money sent directly from your

Retire Richer JillGramlich

(719) [email protected]

2011 MVEA Board Nominations Now Open

Two Directors will be elected to Mountain View Electric Association’s (MVEA) Board of Directors this year from the following districts:District 2: Simla, Matheson and a portion of the surrounding areas. (incumbent Rick Gordon)District 7: Monument, Woodmoor and a portion of the surrounding areas. (incumbent Donna Andersen-Van Ness)

Nominating Committee: District 2 District 7Allan Moore Edward McGuire13217 County Road 141 4810 Abo LaneSimla, CO 80835 Monument, CO 80132719-541-2180 719-481-9377

The procedures for Director Elections & Member Voting is available on MVEA’s website at www.mvea.coop. If you are interested in being a candidate, please contact a member of the nominating committee. A candidate must be an MVEA member and reside in the district where there is a vacancy. Before applying,

verify your district. A member may also petition for nomination. Petitions and proceedures

online at www.mvea.coop. Petitions must be signed by 15 members of

2011, A Candidate Questionnaire must be completed for either the verbal nomination or the petition. This application can be found on MVEA’s

please contact a member of the nominating committee. Candidate

committee by 5:30 p.m., Thursday, April 21, 2011 for the committee’s consideration. If you are petitioning for nomination, the Candidate Questionnaire must be submitted with your petition no later than 5:30 p.m., Monday, April 25, 2011.

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17

Residential • Commercial

FREE ESTIMATESFREE ESTIMATESResidential • Commercial

Offi ce: (719) 632-9000 • Rodrigo Terrazas - Owner • Cell: (719) 499-0055

$300OFF

BEFORE AFTER

STUCCOOVER SIDING

STONEWORK

FIREPLACES

ANY COMPLETE STUCCO APPLICATION

Referral list provided at time of estimate. Not valid with military or senior discounts.To validate, coupon must be

presented at time of estimate. New customers only.

web: www.rtstucco.comemail: [email protected] Stucco Over Siding

SNIPPETZ®: COMMUNITY CALENDAR

BUSINESS NETWORK INTERNATIONAL (BNI)Every Wednesday - Inn at Palmer Divide

Only one of a “type” of business permitted so you and your business have a monopoly! Call either Present Dr Kathy Yuhasz BA, DC, LAc. 719-594-9700 or PR Coordinator Roberta Brunner CCHt., 719-321-9600 to fi nd out if your business qualifi es and for an invite to a breakfast meeting on Wednes-days at the Inn at Palmer Divide.

Front Range Trading PostVaries monthly-Visit website for more details

frontrangetradingpost.com1st & 3rd Sunday of each month

2:00-4:00 pmThe Front Range Trading Post is a twice monthly swap event. The main idea is that we are stepping outside of the cash economy and mutually “gifting” things to each other in a way that turns whatever we have in abundance into a diversity of goodness and good will. The swap is free and open to all. If you want to participate you will need to bring something to trade.

LOCAL HOST FAMILIES NEEDEDFOR EXCHANGE STUDENTS

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

VIKING FEASTSunday, April 10, 11 AM to 1:30 PM

Viking Hall, 1045 Ford StreetColorado Springs.

The Sons of Norway annual Frokost, a Norwegian cold-style breakfastCost is $15 for adult members,$17 for non-members and $8 for children 12 and under (tots not needing a seat-free). Reservations are requested by April 5-- please phone Laur-ance or Lucille at 719-260-9490. An array of spe-cialities will be featured along with many types of fi sh. Some menu items will be liver sausage, head cheese, Jarlsberg cheese, Gjetost, Norwegian-style scrambled eggs, pickled beets, beef, pork, ham, salami, fresh fruit, lefse, waffl es with lingonberries, Jule Kake, assorted breads and sweets. Seating is limited.

MOTHER’S DAY MARKETGreat Gifts & Baked Goods

April 12th - 6:30 to 8:30Tri-Lakes Incubator

14960 Woodcarver Road, CS50/50 raffl e to benefi t Tri-Lakes Cares

RSVP www.trilakesnetworkingteam.com

KEEPING OUR BRAINS WORKINGGARDEN OF THE GODS CLUB

April 15, 2011Presented by Jacy DiFoggio Doumas, M.S., CCC-slp, who works at Memorial Health System Out-patient Adult Rehab. Join us for some practical in-formation on the “maturing” brain. Learn hands-on ideas for keeping your brain sharp. RSVP: Charlie Ann Hayes, [email protected], 481-9693 or Maureen Kral, [email protected], 282-0164. Membership is open to all women living in School District 38 and the luncheons are open to all cur-rent TLWC members and their guests. The club sponsors the Wine and Roses event in November , 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.

SNIPPETZCOMMUNITY CALENDAR

www.snippetzonline.com

NATIONAL VERSATILITY RANCH HORSEASSOCIATION (NVRHA) CLINIC

Barnes Ranch13751 E. Cherry Creek Rd, Larkspur, CO

April 29 - May 1 8:00am / 5:00pmThe NVRHA and the Barnes Ranch are offering an introductory clinic. The Introduction to VRH 3-day Clinic provides an inter-active overview of the multi-skilled Versatility Ranch Horse (VRH) event. Follow-ing explanations, riders practice in a class-by-class, step-by-step format. Professionally presented in a supportive environment, the clinic is low stress with a focus on safety and small successes. The rider will gain information, experience, and confi dence to go forward, meeting their own personal goals while riding their horse. Go to NVRHA.org or call 303-646-9855 for more information.

TRI-LAKES WOMEN’S CLUB PRESENTSTHE 35TH ANNUAL PINE FOREST

ANTIQUES & GARDEN SHOW & SALESaturday April 30, 2011, 10 am – 5 pm,and Sunday May 1, 2011, 10 am – 4 pm

The Tri-Lakes Women’s Club is proud to announce the 35th Annual Pine Forest Antiques & Garden Show & Sale to be held Saturday April 30, 2011, 10 am – 5 pm, and Sunday May 1, 2011, 10 am – 4 pm at Lewis Palmer High School, 1300 Higby Road, Monument, CO (I-25, exit 161 or 158). Look for the signs. Admission price is $6 and all proceeds ben-efi t the School District 38 community. Visit www.tlwc.net for further information.

TRI LAKES WOMENS CLUB LUNCHMay 20th

RSVP: Charlie Ann Hayes, [email protected], 481-9693 or Maureen Kral, [email protected], 282-0164. Membership is open to all women living in School District 38 and the luncheons are open to all current TLWC members and their guests. The club sponsors the Wine and Roses event in November , and the Pine Forest Antique and Gar-den 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.

CONCERTS IN THE PARKWednesdays in June and July, 7:00–9:00pm; bring your chairs and enjoy music, food and fun for the whole family! The Concerts in the Park Series is held in Limbach Park. Take Monument exit 161 and head west on Highway 105 which becomes Sec-ond Street. Continue straight on Second Street past Front Street and Limbach Park will be on your left before you reach the railroad tracks.

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

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

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

in historic downtown Monument.

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

place the evening of Monday, July 4.

FRONT RANGE OPEN STUDIOSArtists studios in the Tri-Lakes Area

September 17th and 18th, 2011 10-am to 6 pm Sat. and SunCall to Artists: Front Range Open Studios is cur-rently accepting applications from full-time, profes-sional artists and fi ne craftsmen in all mediums, for participation in an open studio public event , to take place one weekend this September, 2011. Appli-cants must have their studios in Larkspur, Palmer Lake, Monument, Woodmoor, Gleneagle or Black Forest. For Artist Benefi ts, Fees, Requirements for participation and an Application form, go to www.frontrangeopenstudios.com. Applications must be received by April 30, 2011 for jury selection

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

The Goal of the Rocky Mountain Heart Savers is “to inform and educate the general public of the extraordinary improvements made in the treatment of cardiovascular disease, since a discovery by 3 doctors, resulting in their award of the 1998 Nobel Prize in Physiology or Medicine.”

“How Nitric Oxide Can Prevent

– Even Reverse –

Heart Disease and Strokes” NOBEL PRIZE IN MEDICINE LAUREATE DR. LOUIS J. IGNARRO

The molecule Nitric Oxide, or NO, is a substance so powerful that it can

actually protect you from heart attack and stroke. Best of all, your body

can make it on its own. NO is your body's own built-in, natural protection

against heart disease. This is how one doctor has not lost a single patient

to heart attack or stroke in 19 years.

Published clinical studies have proven scientifically that Nitric Oxide created by the Amino Acid L-Arginine will inhibit and dissolve Plaque, reversing Atherosclerosis, Arteriosclerosis, Coronary Artery Disease, Heart Attack, Stroke, and Peripheral Artery Disease.

EAST LIBRARY, Community Conference Room

5550 N. Union Blvd, Colorado Springs, CO 80918

WWWeeedddnnneeesssdddaaayyy,,, MMMaaarrrccchhh 333000,,, 222000111111 777:::000000 PPPMMM

THIS IS AN OPEN INVITATION TO THE GENERAL PUBLIC. THIS NO COST,INFORMATIVE SEMINAR WILL SHOW YOU HOW TO IMPROVE YOURCARDIOVASCULAR HEALTH, USING A PROVEN FORMULATION OF ALL NATURAL INGREDIENTS.

KEY NOTE SPEAKER: DR. KENNETH RICHEAUXPast National Faculty Member of American Heart Association’s Emergency Cardiovascular Care Committee.

BLUESMAN JOHN LONGSAT. APRIL 2 - 8PM

MERCURY CAFEDANCE HALL

2199 CALIFORNIA ST.,DENVER

TICKETS: 303.294.9258

Page 18: Snippetz_Issue 491

18

SNIPPETZ® BUSINESS, FINANCE & LAW

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

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Lisa Welch StevensAttorney at Law, P.C.

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

District of Colorado

Member: Colorado & El Paso County Bar Association

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

GETTING CONTROLOF YOUR MONEY

It’s bad enough when you’re suffering from the effects of the economy, but it’s even worse when you don’t know where your money goes. Having

fi nances that are out of control can make a bad situ-ation worse.

The National Foundation for Credit Counseling has put together some excellent ideas for reining in your

fi nances. Here are six of them:

--Get organized. Create a system for tracking bills that come in, when they’re due and when you’ve paid them. This can be as simple as a calendar or ledger where you note paydays and dates certain bills should be mailed. Then, be sure to open every bill on the day it comes in and write it down.

--Track your spending for 30 days. Write down every dime that gets spent. At the end of the month you’ll know where your money goes. Then decide if that’s how you want to spend your income. Put limits on fl exible spending categories where you know you can cut back. Then let that new budget be your guide-line until there is a change in circumstance, perhaps a raise at work or a credit card that is paid off. Review and adjust the budget at that time.

--Don’t spend more than you make. If you’ve dis-covered that you have a problem with credit cards, leave them at home. (You’ll spend 20 percent less without the cards in your pocket.)

--Pretend that you don’t have overdraft on your

checking account. Leaning on the available money promotes bad spending habits. Open your bank state-ment the day it comes in and reconcile it within a few days. You should be able to easily identify each item just by the amount of each check and will know im-mediately if something is amiss. Note in your check-book every transaction, including ATM withdrawals and deposits. Call your bank at the middle of the month and use the auto-teller to learn which checks have cleared.

--Start working on your credit. If it’s not perfect, work at fi xing it. Begin by sending for a free copy of your credit report for each of the three bureaus. Learn which dings on your report are hurting you the most.--Save something. Put a specifi c amount away each month, paying yourself as you would a creditor.

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) 2011 King Features Synd., Inc.

Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200

Colorado Springs, CO 80921

(719)488-9395

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THE LAWACCORDINGTO STEVENS

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

SUDDEN DEATH:MAKING THINGS EASIER

FOR THOSE YOU LOVE© March, 2011, Lisa Welch Stevens, Esq.

Obviously, none of us knows the hour or day of our demise; that time comes for the young and apparently healthy as well as those full of years.

Whenever someone dies, it causes large and multiple ripple effects which must be addressed. After death it is not you, but those whom you leave behind, who will be tasked with dealing with those effects. And they will have to do so at a time when they are least emotionally able to do so. This can render them extremely vulner-able.

No one wants to think about his or her own death, par-ticularly when one is young and healthy. But you can considerably ease the burden on those you leave behind simply by taking a few steps, which need not necessar-ily involve an attorney.

I have had to deal recently with the estates of several clients who died suddenly, at a young age, and who did not take any of the following precautions. As a re-sult their remaining family members were left without any money for paying for food or bills, or last arrange-ments, without any access to resources or even knowing whether they had any resources, what those resources might be, etc. This all eventually was straightened out, but no one wants his or her family, at a time of such loss, not to be able to put food on the table, keep the lights on, or worry that they will lose their home.

The fi rst and most important thing is to make certain one or more of your family members or close friends or advisors is INFORMED. Set aside a binder or fi le folder for important information, and make sure those other persons know it exists, and know where it is. Du-plicates are a good idea.

First, list the names, relationships, and all contact infor-mation for your closest family, friends and associates to be notifi ed. This is particularly important for those who

live alone, those is subsequent marriages, etc.

Second, list the names of all fi nancial institutions where you have accounts, the contact information, the account numbers, etc. List the names of all policies of insurance, the carriers, contact information, policy numbers, etc. List the physical addresses of all parcels of real prop-erty you own, and describe how they are titled. List all money market accounts, stock holdings, mutual funds, retirement accounts, etc. List all ongoing automatic payments, withdrawals, passwords, etc.

Third, state whether you have a will, its date, and where the original is located. A copy of the executed will in the notebook or folder is a good idea.

Fourth, if you do not want to have joint fi nancial ac-counts with anyone, MAKE SURE YOU HAVE BEN-EFICIARIES DESIGNATED, OR PAYABLE ON DEATH DIRECTIONS SET FORTH, FOR ALL FI-NANCIAL ACCOUNTS WITH ALL FINANCIAL IN-STITUTIONS. Otherwise, no one will be able to access any funds until after probate is opened, a personal rep-resentative appointed, letters testamentary issued, etc.

Fifth, if you do not want to have your residence titled in joint tenancy with right of survivorship with anyone, have an executed and recorded benefi ciary deed, deed-ing the real property on your death to your intended benefi ciary, whether a spouse, child, parent, friend, etc.

Sixth, if you want to make certain your remains are dis-posed of as you wish or if you wish to make certain that one or more particular family members are able to

make those decisions, have in the notebook or folder an executed Disposition of Final Remains form.

Seventh, have a formal, executed will – if not prepared by an attorney, then completely in your own handwrit-ing, stating it is drafted in contemplation of your death, signed by you, witnessed by two witnesses and nota-rized. Have formal, executed General Durable Pow-ers of Attorney, Medical Powers of Attorney, Medical and Surgical Directives, and the like. Have an executed Memorandum of Personal Property, directing disposi-tion of your personal property.

Most of the above actions can be taken using forms pro-vided by the respective fi nancial institutions involved. Others may be taken using forms obtained from legal form stores online (such as Bradford Publishing, which provides Colorado specifi c forms), or from offi ce stores. Others may be taken using documents simply drafted by you, in your own handwriting (yes, handwriting, not typed), preferably signed before a notary public and witnesses.

The above is the bare minimum, but it can help you to take care of your family even after you’re gone. Please consult your legal advisor regarding your particular situation. This article does not constitute the proffer of legal advice.

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

Representing Colorado Businesses

and Business Owners

719.488.9395

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FIGURING OUT RETIREMENT

By Rose FortuneSocial Security Public AffairsSpecialist in Colorado Springs

For almost every American worker, So-cial Security is “part of the plan” for a secure retirement. If you are among

the roughly 95 percent of workers in the United States who are covered under Social Security, here’s a primer on retirement cov-erage.

When you work and pay Social Security taxes, you earn “credits” toward Social Se-curity benefi ts. If you were born in 1929, or later, you need 40 credits or 10 years of work to qualify for retirement benefi ts. No retire-ment benefi ts can be paid until you have the required number of credits. If you stop working before you have enough credits to qualify for benefi ts, the credits will remain on your Social Security record. If you return to work later, you can add more credits so that you qualify.

Your benefi t amount is based on how much you earned during your working career. Higher lifetime earnings result in higher benefi ts. A worker with average earnings can expect a retirement benefi t that replaces about 40 percent of his or her average life-time earnings. Social Security was never intended to be your only source of income when you retire. You also will need other savings, investments, pensions, or retirement accounts to make sure you have enough money to live comfortably when you retire.

Your benefi t payment also is affected by the age at which you decide to retire and begin receiving benefi ts. If you were born in 1942 or earlier, you already are eligible for your

full Social Security benefi t. If you were born from 1943 to 1960, the age at which full retirement benefi ts are payable increases gradually to age 67.

You can get Social Security retirement ben-efi ts as early as age 62, but if you retire be-fore your full retirement age, your benefi ts will be reduced, based on your age. If you retire at age 62, your benefi t would be about 25 percent lower than what it would be if you waited until you reach full retirement age. You may choose to keep working even beyond your full retirement age. If you do, you can increase your future Social Security

benefi ts — up until age 70.

Choosing when to retire is an important de-cision, but it’s also a personal choice and one you should carefully consider. When’s the best time? There is no one-size-fi ts-all answer. Social Security offers a list of fac-tors to consider in the publication When to Start Receiving Retirement Benefi ts at www.socialsecurity.gov/pubs/10147.html. In ad-dition, Social Security provides an online Retirement Estimator to get immediate and personalized retirement benefi t estimates to help you plan for your retirement. The Re-tirement Estimator is a convenient and se-

cure fi nancial planning tool, allowing you to create “what if” scenarios. For instance, you can change your “stop work” dates or expected future earnings to create and com-pare different retirement options. If you have a few minutes, you have time to check it out at www.socialsecurity.gov/estimator.

When you’re ready, you can apply online for retirement benefi ts at www.socialsecurity.gov or call our toll-free number, 1-800-772-1213 (TTY: 1-800-325-0778). Or, you can make an appointment to visit any Social Se-curity offi ce to apply in person.

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