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Old West Heroes... Continued on Page 2

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SNIPPETZ RESURRECTS SOME OLD WEST HEROES

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ISSUE 537 • FEBRUARY 13, 2012

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“Whenever you get into a row be sure and not shoot too quick. Take time. I’ve known many a feller slip up for shootin’ in a hurry.” - Wild Bill Hickok

There’s nothing like the good old days, especially those from the Wild West! They are full of adventure, gunfi ghts, good guys and bad guys. The Wild West is indeed

glamourized in books, movies and television where tall tales and even a few facts abound. We’ve selected just a couple of the notorious men and one woman of the west and their exploits to highlight.

BUFFALO BILL Born in 1846 in Scott County, Iowa, William Frederick Cody, aka Buffalo Bill was a man of many careers. He was

Old West Heroes...Continued from Page 1

2

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ALL RIGHTS RESERVED © 2012

PUBLISHED BYFUNDER ENLIGHTENING, INC.

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132www.fepublications.com

(719) 487-0484email: george@fepublications.com

FEATURE ARTICLESSnippetz Resurrects Some

Old West Heroes ... 1

“Bodies in Confl ict”Life Energy Flow Tai Yi ... 4

Strange But True... 7

Moments In Time... 8

“‘Get Smart’ Gadget Helps Caregivers”Senior News Line... 7

“Things to do on the Internet:Fun Scientifi c Experiments

Series 3, Article 3”Web Chat by Robyn... 14

COMMUNITY CALENDAR 4HEALTH

“Sciatica: Big NerveCan Be Big Problem”

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GREAT BARGAINS Find Your Treasure!Business / Employment Opportunities

BUSINESS, FINANCE& LAW

“Finding Lower-Rate Credit Cards” Dollars and sense... 15

“Ten Facts for MortgageDebt Forgiveness”

Tax Talk With Tina... 15

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Old West Heroes...Continued on Page 3

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a U.S. Army scout, a buffalo hunter, Indian fi ghter and eventually an actor/performer. But fi rst he worked as a messenger in Kansas for a wagon-freight company that eventually fi nanced the Pony Express. His father died when he was 11, precipitating his early entry into the life of a hunter, horse wrangler and Indian fi ghter. He served in the Civil war from 1861 to 1865 and then worked for the U.S. Army as a civilian scout and dispatch bearer.

Cody earned his nickname as Buffalo Bill when he hunted and slaughtered more than 4,000 buffalo between 1867 and 1868 in order to feed Union Pacifi c Railroad construction crews.

From 1868 to 1876, he was a valuable guide and scout for the U.S. 5th Cavalry during the government’s attack on the Indians in the west. He was awarded the Medal of Honor for his efforts in 1872, which was soon revoked once it was determined that he was indeed a civilian; only offi cers or enlisted men in the army were eligible for the award. The U.S. Army eventually restored the Medal of Honor posthumously to Cody in 1989.

But Cody’s Medal of Honor was probably not what catapulted him into Western folk hero status, but rather his entry into stardom. Author Ned Buntline recruited

Cody for his “The Scouts of the Prairie” drama in 1872. Cody proved to be a true showman and in 1883 produced the Wild West Show, an exhibition that featured Cody himself with “fancy” shooting, buffalo hunting, cowboys, Indians and the Pony Express ride. Annie Oakley, Calamity Jane and Chief Sitting Bull were known to make appearances on the show.

Cody made and lost more than one fortune. He was not known to be good with his money. He was still performing two months before his death in 1917. He died in Denver, Colo. and is buried on Lookout Mountain.

MORE ABOUT BUFFALO BILL:

• Between 1909 and 1915, he made fi ve movies. One was his autobiography, “The Life of Buffalo Bill.”

• In 1887, he reportedly took his Wild West Show on the ‘road’ to London to perform for Queen Victoria. Along with the cowboys and Indians who performed with him, he brought 180 horses, 18 buffalo, 10 elk, 10 mules, 5 steers, 4 donkeys and 2 deer.

• Cody paid Sitting Bull $50 per week for four months to tour with the Wild West Show in 1885. They had a written contract which is reported

to be the only known document with Sitting Bull’s signature. However, some sources note that Sitting Bull sold his autograph for $1.50 and made good money doing so.

• Cody often took thrill seekers on buffalo hunts. A couple of them were George Armstrong Custer and the Grand Duke Alexis of Russia.

CALAMITY JANEMartha Jane “Calamity Jane” Cannary was born in 1852 in Princeton, Mo. She was a rather colorful person with a reputation for a lifestyle full of adventure and not exactly clean living. It all began when her family made the fi ve-month journey from Missouri to Virginia City, Mont. in 1865. Her mother died during the trip and her father died about a year later. Jane was the oldest of six children and consequently took charge, moving the family to Wyoming. As the provider, she found herself hanging out with the men, hunting and traversing the west. She was known as someone who enjoyed the taste of whiskey and could “cuss like a man” by the ripe old age of 13.

3

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WEEKLY MAGAZINE

Old West Heroes...Continued from Page 2

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There is a great amount of disparity between Jane’s autobiography and what has been written about her by biographers and historians. For example, she reports joining General George Custer in Arizona for the “Indian Campaign.” There is no historical evidence that Custer was indeed there. She does state that at this time she begins to dress like a man. That part appears true and well documented. She reports many dangerous missions as a scout locating Indians and as a Pony Express rider carrying mail. Some historians report no such adventures; instead a life of prostitution and alcoholism. She did act in some vaudeville shows and Buffalo Bill’s Wild West Show; however, she would reportedly get drunk and take to shooting up the theater or saloons she would frequent.

After recovering from a serious illness in 1875, Jane went to Fort Laramie where she met Wild Bill Hickok. She reports marrying Wild Bill, but it is documented that he married Agnes Lake Thatcher. She also reports gold mining with Wild Bill in Deadwood, where he was killed. Jane continued to gold mine after his death.

It is reported that she eventually married Texan Clinton Burk and possibly others. Court records note her more unlawful cohabitation practices. Yes, those were part of court records at the time. It is also reported that she had a daughter given up for adoption.

She died in August of 1903 in South Dakota and is buried next to the love of her life, Wild Bill Hickok.

CALAMITY JANE REPORTEDLY HAD A SOFT SPOT:

• During a smallpox outbreak in Deadwood, Jane apparently cared for the affl icted when others wouldn’t.

• She opened and ran a wayside inn in Yellow Stone, Wyo. for about a year where weary travelers could stop to be fed.

WILD BILL HICKOKJames Butler Hickok was born in 1837 in Troy Grove, Ill. He was known as a scout, lawman, gunfi ghter and actor. His acting prowess was short-lived in Buffalo Bill’s Wild West Show. He received most of his notoriety from his skills as a marksman. During the Civil War he worked for the Union Army as a scout, a spy and a marshal.

The “Bill” came from an alias he used during the Civil War: William Haycock. He possessed a protruding upper lip, causing many to call him “Duck Bill.” Once he grew a mustache, he started referring to himself as “Wild Bill.” The name stuck even though he went back to using his real name after the war. He also served as a scout for George Custer during the Indian Wars.

Hickok became a well-known marshal and lawman, particularly in Hays City, Kansas and as sheriff of Ellis County, followed by marshal in Abilene. His gun fi ghting skills served him well in these jobs and he became well respected and feared. He was relieved of his duties after an accidental shooting of Special Deputy Marshal Mike Williams. Depending on which report you read, anywhere between 50 and 200 drunken cowboys on a mission to kill Hickok for Phil Coe, saloon owner, initiated a shootout one day. When Williams turned a dark corner to come to Hickok’s rescue, Hickok shot and killed him, not realizing who he was.

After Williams’ death, Hickok tried his hand at acting, then did some gold mining where he met Calamity Jane. His health was declining, most notably affecting his eyesight with possible glaucoma or trachoma. He also made a decent living

from gambling, which turned out to be the scene of his demise.

One night while playing poker in Deadwood, Jack McCall walked into the saloon and shot Hickok in the back of his head, killing him on the spot. A motive for the murder was never confi rmed, although it may have had something to do with a gambling incident the day before when McCall lost his money and Hickok offered to give him breakfast money. McCall claimed in trial that he was avenging the death of his brother by a lawman from Abilene, name unknown but assumed to be Hickok. McCall was acquitted after this trial, but was brought back to trial after bragging about the murder. He was then found guilty and subsequently hung.

MORE ABOUT WILD BILL:

• Calamity Jane reported to have married Wild Bill, but this has never been confi rmed by any records.

• At the time of his death, Hickock was holding a pair of black eights and black aces in a poker game (fi fth card unknown), a hand now known as “deadman’s hand.”

• In 1860, Hickok found himself in a fi ght with a mother bear, which injured him enough to require about four months of recuperation.

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4

SNIPPETZ® WEEKLY MAGAZINE

When ones speak of beliefs or belief systems, many times they assume those beliefs

are something positive. When Tai Yi practitioners talk about beliefs, they are referring to painful thought forms. There is a distinct difference between beliefs and knowingness.

Knowingness or a knowing system is held within the heart (unconditional love). A belief system is held within the mind that does create pain. If people knew exactly what their painful beliefs were, then people would be able to heal them and let go of the pain. Pain is not normal, though common.

The way to know the difference be-tween a belief and knowingness is to ask whether a particular thought form creates pain. That pain can be self-doubt, self-judgment, lack of self-com-passion, lack of self-integrity, self-pun-ishment, anger, depression, shame, and a lack of passion for life. Knowingness creates a sense of joy, lightness, and passion for life, continued excitement, self-love, and self-acceptance. A know-ingness encourages a person to live his or her pathway with integrity and pas-sion, whatever that pathway is.

The point of Tai Yi is to assist a person to understand and to heal painful issues. Tai Yi speeds up the process of healing, never replaces the process, but speeds it up. Beliefs get in the way of healing. Beliefs are held within the conscious, unconscious, and subconscious mind.

LIFE ENERGY

FLOW - TAI YI

BODIES INCONFLICT

They are thought forms that can super-fi cially change. That means a child can develop a belief that she or he is not good enough because a teacher or par-ent or other person told that child she or he was bad and wrong at some point. If the child accepted that statement of bad and wrong, then she or he will form a belief around it. From a child’s perspective the belief can manifest dif-ferently than how an adult may see the belief manifest. Essentially, the belief remains, but on the surface can seem to change. That way, the belief remains intact and keeps the person in a state of pain-obviously or subtly.

When a person holds onto painful thought forms or beliefs in the mind, the mind becomes stagnant and essen-tially contaminated with those beliefs. The mind then directs commands to the brain. The brain directs commands to the body. The body then can manifest different symptoms; such as heart dis-ease, headaches, low immune system (3 or more colds a year), cancer, lung issues, nerve issues, autoimmune disor-ders, and many more. The body cannot become sick unless the brain is sending commands to do so. The brain will not send those commands unless the mind is telling to do so. The symptoms will vary based on how toxic the beliefs are, how long they’ve been present, and the person’s genetic predisposition.

A Tai Yi treatment that assists with un-derstanding and healing toxic beliefs and physical toxins is Bodies In Con-fl ict. This treatment is for those who have beliefs that confl ict with their knowing system and the body then be-comes a magnet for toxins (from foods, air, and water). Following the treat-ment, the person can expect to feel a release of toxins through body fl uids. This depends on the person’s level of beliefs and their willingness to heal.

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YOU GOT TALENT 2012 AUDITIONS - PINZPinz - 855 Hwy 105, Palmer Lake, CO 80133

February 17 & 182/17 6-10p 2/18 4-8p

Come audition for the You Got Talent 2012. TIme is running out and we want to see what you got!

FREE PERSONAL VIOLENCE PREVENTION SEMINAR

Thursday march 8th 6-8 Pm/5:00 sign in Freedom expo ctr. 3650 N nevada ave. Colorado Springs, COSpend an evening with Kym rock and learn how To defend yourself and “Fight like a girl!” Great fun and prize drawings Ages 10 & up/all skill levels Pre-registration available at: Call 719-648-1195 Fightlikeagirlcoloradosprings.Com

ARTSITES 2012 CALL TO ARTISTSTri-Lakes Views is inviting artists to participate in ARTSites 2012. ARTSites is a public outdoor art exhibit showcasing sculpture on pedestals which have been installed around the community and in the newly established Monument Sculpture Park at Big Red. The exhibit is on display for one year and is featured in the annual ARTSites map, distributed to restaurants, hotels and shops throughout the area. Artists receive a $300 stipend for each piece accepted by the jury. Entries must be received by March 10, 2012 and must include digital images of the entries along with title, material, size and value of each piece and name, address, phone and e-mail of the artist. Mail entries to:

Tri-Lakes ViewsPO Box 2564, Monument, CO. 80132.

Details: www.trilakesviews.orgQuestions: bkonarski@earthlink.net

PINZ BOWL-A-THON FOR FAMILY NATIONPinz Bowling Center

March 16 2012 - 6-10p March 17, 2012 - 2-6

Come kick your friends pinz and show them whose the best strike-out champion in Tri-Lakes. Bowlers will bowl for strikes to win this competition. The winners will receive a trophy. Also, every strike will win a player an entry into our drawing for gift certifi cates.

8TH ANNUAL HOPE AWARDS DINNER*Caring Hands, Warm Hearts*

April 13, 2012 6pm The Club at Flying HorseCerebral Palsy Association of Colorado Springsis pleased to recognize Dr. Steven Luebbert, MD Pedia- trician,Derek Kirkham DDS, Jeffrey Kahl DDS, Zachary Houser DDS of Pediatric Dentistry of Colorado Springs, for their outstanding dedicatio and service helping those with disabilities in our community. RSVP prepayment required due to limited seating $40.00/ person via www.cpappr.orgPayPal *donate* button or send check to:

CPACS 1322 N. Academy Blvd Ste 115 80909Please include Names of attendees and any dietary

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PALMER LAKE AFTER DARKPalmer Lake Town Hall

Feb 24, Mar 30 & Apr 27 8 pm - 11 pmAdult and teen inspired event of neon lights, music,

dancing and food. This will be a blast! Proceeds from this event support FamilyNation non-profi t

services. You will not be bored at this event.

YOUTH EMPOWERMENT FESTIVAL 2012Palmer Lake Town Hall

April 28, 2012 4 pm - 11 pmThis is a festival dedicated to youth empowerment. There will be music, dancing, exhibits, and Arts & Crafts Festival, the Mayor’s Dinner and a proclamation declaring April 28, Youth Empowerment Day. Also, the PALMER LAKE YOU GOT TALENT fi nals will be held and the Youth Empowerment Awards 2012 will be announced. This is an amazing event.

YOUTH EMPOWERMENT AWARDS 2012Palmer Lake Town Hall - Mayor’s Dinner

April 28, 2012 6-8 pmDo you know a youth or young adult in the Palmer Lake or Monument area that is exceptional in the community? If so, submit your nomination to our Youth Empowerment Award Nomination at familynation.net and tell us why we should recognize this individual for the “Youth Empowerment Award 2012,” during the Mayor’s dinner at the “Youth Empowerment Festival 2012” on April 28, 2012. We want to hear from you.

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Last week, The Record Room debuted in glorious fashion. People from all over the Tri-

Lakes area and those from Colorado Springs gathered in the small east room of Pinz Bowling Center to listen to great live music from local artists. Matt, Miles, and Reilly performed after The Hopeful Heroines, neither to be outdone, giving a unique and memorable performance on the rooms “opening night”. The coffee (provided by local-stop ‘Coffee on the Go) was good and the music was sweet.

This week, Pinz and The Record Room invite you to see more great acoustic performances when Jeremy Facknitz and Emily Knurr take the stage. It will be Thursday at 7pm in the most eastern

room of Pinz Bowling Center. The concert is free and all ages as it will remain.

When shows aren’t happening Thursday nights, The Record Room invites you to hang out, play records, read books, use our wifi , or play games at anytime during Pinz business hours. There’s a sorted library of old vinyl along with a record player open to the public at all times. You can even bring in your own records and enjoy the warmth not offered by digital download. For those looking to catch a break and relax, there are books and magazines, and even checkers. Top it all off with a cup of fresh coffee and oh my, what a day you’ve had.

For more information on the newly built ‘Record Room’, call us at Pinz at (719) 487-7469. Artists looking to perform at the room can email their music links and contact info to LaikaLott@Gmail.com

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DEAR DR. DONOHUE: I am a 78-year-old woman, and fi ve months ago I came down with sciatica in my left leg underneath the buttock. It’s very painful. I’d like to know if there is something that can be done. -- S.M.

ANSWER: The sciatic (sigh-ATTIC) nerve is the body’s longest and largest nerve. It springs from nerve rootlets that emerge from the spinal cord in the lower back. Those rootlets intertwine to form this big nerve. It travels from the back, through the buttocks and down the leg to the foot. Anything that presses on or ir-ritates the nerve in its long course gives rise to sciatica (sigh-ATTIC-uh), painful infl ammation of the nerve.

A bulging back disk can press on the nerve. Arthritic spurs on the spine are an-other source of irritation. A collapse of a backbone from osteoporosis is another trigger for pain, and the pain can be in the lower back, the buttocks or down the leg to the foot.

Have you tried Tylenol (acetaminophen) for pain relief? Aleve, Advil, Motrin and the many other nonsteroidal anti-infl am-matory drugs dull pain and quiet infl am-mation. Icing the painful back area for 10 to 15 minutes three times a day is another way to numb pain. If ice doesn’t work, turn to heat -- hot compresses or a heat-ing pad.

Stretching the back might take pressure off the nerve. Sit on a fi rm chair with feet on the fl oor and knees shoulder-width apart. Turn slightly to the left. Then, with

your right arm dangling down between the knees and left arm dangling down on the outside of the left knee, bend down to the fl oor as far as you can and hold that position for fi ve seconds. Straighten up and re-verse the process by turning to your right and arranging your arms with the right arm outside the right knee and the left arm between the knees. If this exercise hurts, stop. If it doesn’t, perform fi ve bends each, to the right and then to the left. Do the exercise three times a day.

Five months is a long time to put up with back pain. I’m not sure if self-treatment will do much for you. You need a doctor’s intervention, along with physical therapy.

The booklet on back pain delves more deeply into its causes and treatments. To order a copy, write: Dr. Donohue -- No. 303W, 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 allow four weeks for delivery.

***

DEAR DR. DONOHUE: Some time ago, you answered a letter from an 80-year-old lady who asked if she still needed to have mammograms. I say an unqualifi ed yes. Two years ago, at the age of 82 1/2, my mammogram detected cancer. Surgery was followed by radia-tion. Two years later, I am feeling fi ne and doing well. -- A.S.

ANSWER: Experts argue about the value of mammograms late in life. Sto-ries like yours make me side with those who promote having mammograms as long as a woman is in reasonable health. If a woman has an estimate of living at least four more years, mammograms are a good idea.

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

(c) 2012 North America Synd., Inc.All Rights Reserved

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• It was 19th-century German philosopher, composer and poet Friedrich Nietzsche who made the following sage observation: “At times one remains faithful to a cause only because its opponents do not cease to be insipid.”

• Despite all the cartoons you’ve seen throughout your life, rabbits generally prefer greens to carrots, and mice would rather eat grains and fruit than cheese.

• The area that is now the state of California had a population of about 700 in 1854. In 2010, the population had increased to 37,253,956. In the span of just over one and a half centuries, the population increased a whopping 53,000 times.

• Rice paper is not made from rice. It’s made from the pith of the rice paper plant.

• You may be surprised to learn that, according to the National Sleep Foundation, 33 percent of all preschoolers have a TV in their room, and 20 percent of in-fants and toddlers have one.

• If you ever make a trip to Italy (lucky you!) and visit the town of Modena, be sure to go to the bell tower. There you might see an item that is, to the best of my knowledge, unique in the world: a wooden bucket that started a war. In 1325 a group of soldiers from the then-city-state of Mod-ena raided rival city-state Bolo-gna and returned home with the bucket. Greatly desiring to get the bucket back, Bologna de-clared war. The war raged on for years, but Bologna never did get its bucket back.

• If you’re a schoolteacher in Ar-kansas, you should be aware of an arcane law there: If you bob your hair, you’ll be ineligible for a pay raise.

***

Thought for the Day: “A com-mittee is a cul-de-sac down which ideas are lured and then quietly strangled.” -- Sir Barnett Cocks

(c) 2012 King Features Synd., Inc.

HAVE HEALTH INSURANCE?

BlackForestInsurance

NOW WOULD BE THE RIGHT TIME!

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SNIPPETZ® WEEKLY MAGAZINE

‘GET SMART’ GADGET HELPS

CAREGIVERS

Caregivers for seniors with Al-zheimer’s disease or demen-tia will applaud a new gad-

get that can help keep track of those who might wander: a shoe with a tiny global positioning satellite (GPS) tracker in the heel.

Footware company Aetrex and track-ing software provider GTX have put a lot of thought into both the shoes and the tracking capability. The leather shoes, for either men or women, are either lace up or strap. They look very comfortable, and come with two removable layers for a better fi t. There’s a grooved polyurethane sole for traction.

But it’s not cheap. The shoes alone cost $300, and the GPS requires

a connection plan that runs $35 a month. You can fi nd information on-line at www.aetrex.com/gps or call 800-526-2739.

There are additional devices avail-able to make your life easier if you care for a senior with Alzheimer’s or any other condition where constant monitoring is essential.

Back in 2009, a tracker was created that also uses GPS. Called the i-Tag (www.i-tag.biz), the little device is the size of a nine-volt battery. It can be programmed with a “geofence” -- a set area that that you establish. If the wearer leaves that area, an alarm will sound.

There also are locks that sound an alarm if a door is opened, alarm pads that sound an alarm if they’re stepped on and mini-cams that can help you keep an eye on a room from other parts of the house.

There are a number of tools that will make it easier on those who care for dementia and Alzheimer’s patients. It’s just a matter of fi nding what works best for you.

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 columnreply@gmail.com.

(c) 2012 King Features Synd., Inc.

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• On Feb. 16, 1848, romantic composer Frederic Chopin plays his fi nal concert in his adopted city of Paris, 18 months before his death from tuberculosis at the age of 39. After fl eeing his native Poland, he spent the rest of his life amid the high society of France.

• On Feb. 19, 1851, an angry mob in San Francisco’s business district “tries” two Australian suspects in the robbery and as-sault of C.J. Jansen. Vigilantes were fairly common during the Gold Rush boom in San Francisco, and they were so well regarded that they took over the Democratic Party in the late 1850s, and some became respected politicians.

• On Feb. 18, 1885, Mark Twain publishes his famous and controversial novel “The Adventures of Huckleberry Finn.” At the book’s heart is the journey of Huck and his friend Jim, a runaway slave, down the Mis-sissippi River on a raft.

• On Feb. 13, 1915, The American Soci-ety of Composers, Authors and Publishers

(ASCAP) is formed. ASCAP collects and distributes royalties for copyrighted musical works. Today, ASCAP reports that it distrib-utes more than $800 million in royalties an-nually to its members.

• On Feb. 14, 1929, Sir Alexander Fleming, a bacteriologist, discovers penicillin. Hav-ing left a plate of staphylococcus bacteria uncovered, Fleming noticed that a mold, similar to the kind found on bread, had fall-en on the culture and had killed many of the bacteria.

• On Feb. 15, 1933, president-elect Franklin D. Roosevelt escapes an assassination at-tempt. Deranged, unemployed brick layer Giuseppe Zangara shouted, “Too many peo-ple are starving!” and opened fi re with six rounds. Zangara’s extreme action refl ected the anger and frustration felt among many Americans during the Great Depression.

• On Feb. 17, 1966, Brian Wilson of the Beach Boys rolls tape on the fi rst take of “Good Vibrations.” Six months, four studios and $50,000 later, he fi nally completed his 3 minute, 39 second symphony, pieced togeth-er from more than 90 hours of tape recorded during literally hundreds of sessions.

(c) 2012 King Features Synd., Inc.

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VALENTINE’S DAY

SNIPPETZ® WEEKLY MAGAZINE

THE KITCHEN DIVA

By Angela Shelf Medearis

CHIPPING AWAY AT CALORIES

I absolutely love potato chips as a bed-time snack -- but they don’t love me. I’ve been exploring ways to make a

healthier version of potato chips. As odd as it may sound, my Spicy Kale Chips recipe provides that crisp, salty taste and, best of all, it’s a healthy, guilt-free snack.

Kale is a non-heading, leafy wild cab-bage. When selecting a bunch of kale, differentiate between varieties according to the low, intermediate or high length of the stem, with varying leaf types ranging from wavy to straight to bumpy or frilly.

Kale is one of the oldest forms of cabbage and native to the eastern Mediterranean. Researchers believe ancient kale, Brassica oleracea, might have been grown as a food crop as early as 2000 B.C. Commercial kale crops are harvested between 40 and 55 days after planting, with new plantings every two weeks in order to provide year-round supplies. A cool weather annual, kale’s cold-hardy personality makes its fl avor even sweeter after a light frost. It’s peak season is December through Febru-ary.

Kale is an excellent source of vitamin C and provides iron, vitamin A, calcium, magnesium, potassium, protein, carbo-hydrates and dietary fi ber. One-half cup of chopped, steamed kale contains about 18 calories. At a minimum, include cru-ciferous vegetables like kale as part of your diet two to three times per week, and make the serving size at least 1 1/2 cups. Even better from a health standpoint, en-joy kale and other vegetables from the cruciferous vegetable group four to fi ve times per week, and increase your serving size to 2 cups.

Eating kale with fi sh, poultry and meats enhances iron absorption. Kale also loves the company of garlic, pork and ginger and is great in soups with potatoes, beans or barley. Caraway and fennel seeds en-hance kale’s distinct fl avor. Add to sal-ads to accent the fl avor of other greens.

Kale can be prepared like spinach (steam, blanche, braise or stir-fry) or as a snack, like my recipe for Spicy Kale Chips.

SPICYKALE CHIPS

If you don’t want spicy chips, leave out the cayenne pepper. The chips are still de-licious!

12 large Tuscan, Lacinto/Dinosuar or curly kale leaves1 1/2 tablespoons olive oil1 teaspoon salt1 teaspoon black pepper1/2 teaspoon cayenne pepper (optional)1/2 teaspoon garlic salt (optional)

1. Preheat oven to 275 F.

2. Wash kale and cut the leaves off of the big stems by sliding a sharp knife along the stem or taking the leaves off by holding the stem and pulling the leaves through your partially closed hand down the length of the leaf. If the pieces seem too big, tear them into chip size. The big-ger the pieces, the longer it takes them to crisp up, but don’t make them too small or they might burn.

3. Place the kale in a colander, rinse with cold water, drain and shake off water. Roll the kale in a paper towel or a clean kitchen cloth to remove any excess water, as kale leaves are crispier when dry.

4. Put the kale in a bowl. Toss with olive oil, salt, pepper and cayenne pepper, if desired for spicy chips, until well coated. Arrange leaves in single layer on 2 large, rimmed baking sheets. Bake until crisp, about 20 minutes for fl at leaves and up to 25 to 30 minutes for wrinkled leaves, checking after 15 minutes and alternating the pans from top to bottom to make sure the leaves don’t burn. Transfer leaves to a rack to cool. Sprinkle with garlic salt, if desired. Makes about 24 chips.

***Angela Shelf Medearis is an award-win-ning children’s author, a culinary historian and the author of seven cookbooks, includ-ing “The Kitchen Diva Cooks!” and “The Kitchen Diva’s Diabetic Cookbook.” She’s known as The Kitchen Diva and is the ex-ecutive producer and host of “The Kitchen Diva!” cooking show on HULU.com. Visit her website at www.divapro.com.

(c) 2012 King Features Synd., Inc.

They say a star is born every minute and for FamilyNation, fi nding young stars is just one way they labor to

inspire local youth. This non-profi t, com-munity involvement organization invests in Colorado by providing grants, leadership opportunities and services throughout Tri-Lakes, Colorado Springs and surrounding areas. The You Got Talent 2012, is their annual showcase designed to illuminate and empower talented youth, creating an opportunity to perform and compete in a variety of categories. On April 28, the would-be stars will step into the spotlight. As they take the stage, the crowd in the Palmer Lake Town Hall is sure to erupt with applause when David Mettler, MC, announces the winners. According to the group’s founder, Mattie Peltier, “...the show began as a way to encourage artistic expression, building self-confi dence and personal motivation.”

Everyone at FamilyNation is getting excit-ed. “So far we have had a fantastic turnout, and we are thrilled.” says Patricia Mettler, President. “We have amazing judges and competitors.” Judges include Victor Car-bonell, the Production Manager at Soteria Records, Lacie St Arnault, Magic 98.9 FM, Magic Mornings With Danger and Lacie, John Crist, Celebrity Comedian, Annie Gavin, Co-owner of A & A Entertainment,

Tom Dermody, Drummer for 5 Alarm Band and Brittney Geiser, Director at the Broad-moor Academy of Music.

Live auditions for the upcoming You Got Talent 2012 will be held February 17 & 18 at Pinz, 855 Hwy 105, Palmer Lake, CO 80133. Contestants, ages 6-24 are invited to demonstrate their talents in singing, dancing, instrumentals, comedy, drama, and anything else they can come up with. Auditions will be from 6-10 p.m. on Fri-day, February 17 and 4-8 p.m. on Febru-ary 18th, with performances not exceeding three minutes. Video entries will also be accepted until March 3, 2012. Finals will be on April 28 at the Youth Empowerment Festival 2012 from noon until 4:00 p.m. with the winners performing that evening at the Mayors dinner in the Palmer Lake Town Hall.

Anyone interested in auditioning should go to familynation.net/ygt and submit an entry. The fi nals are open to the public starting at noon on April 28 at the Palmer Lake Town Hall. For more information on FamilyNa-tion events, the Youth Empowerment Festi-val 2012, the Youth Empowerment Awards, Palmer Lake After Dark, You Got Talent 2012 and the Tri-Lakes/Colorado Springs Mayors Dinner, please go to our website at familynation.net or call 719-465-2001.

YOUNG STARS IN TRI-LAKES AND COLORADO SPRINGS

COMPETE ATTHE YOU GOT TALENT 2012

10

SNIPPETZ® DINING GUIDE

www.eatatrosies.com

SERVINGBreakfast • Lunch • Dinner

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

2ND LOCATIONNOW OPEN!!

SHOPS AT VOYAGER11550 Ridgeline Dr.

Colorado Springs, CO 80921(1/4 mile north of New Life Church)

(Corner of Voyager and Ridgeline Dr.)

HAPPY HOURDaily

2 - 5:30 pm

481-1234230 Front Street • Monument, CO

www/lacasafiesta.netLike us on Facebook / Twitter

for Special Events & Offers

30 MINUTE CALL AHEAD SEATING!

HAPPY HAPPY HOURHOURDaily

2 - 5:30 pm

481-1234230 Front Street • Monument, CO

www/lacasafiesta.netLike us on Facebook / TwitterLike us on Facebook / Twitter

for Special Events & Offers

BUY ONEDINNER ENTREE (2:30PM - close)

BUY ONE LUNCH (11AM-2:30PM)

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coupon per table only! Exp. 02/29/12

Valid anytime Monday through ThursdayPlease present coupon at time of order. One

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30 MINUTE CALL AHEAD SEATING!

COME JOIN US FOR THE NUGGETS, AVALANCHE AND COLLEGE BASKETBALL !

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SpicyBasil

Asian Grill

Dine In • Take Out~ Ask About Our Party Tray ~

LET US CATER YOUR NEXT PARTY!

Business HoursMon - Sat: 11:00AM - 9:00PM

Sun: 12:00AM - 9:00PM

Tel: 719-488-9898 / Fax: 719-387-8923562 W. Hwy. 105 • Monument, CO 80132

(in the Safeway Shopping Plaza)

http://SpicyBasil.webs.com

ServingBeer & Wine

1-25

West

Spicy Basil❁

Hwy 105

Safeway

BEER & WINEBuy 1 get 1 FREE

Anytime of the Day!Expires 2/29/12

VALENTINE’S DAY SPECIAL

FREE DRINKWITH ENTREE

(Offer Good for 2/14/12 Only)

FREE DRINKSFOR ZIP CODE 80132!

That’s right, Locals Get a drink at Oakleys for FREE! Beer, House Wine, or even a Mixed Well Drink!

It’s Our way of saying THANKS to the locals for 3 great years!Just present valid Colorado Drivers License with 80132 zip code

(Limit: 1 per resident, at least 21 years old. Limited ti me: Valid thru 2/30/12)

Expanded Colorado Menu • More Steak Selecti ons

Wednesday Fajitas & $2 Margaritas are Back!!Great Happy Hour Specials! Best Breakfast on the Front Range!

1865 Woodmoor Drive(just above 105 where the view is great!)

(719) 481-0808

Oakleys Café & Bistro@Sundance Mountain Lodge

Also friends in zip code 80840 (AFA) and 80133 (Palmer Lake)!

Shakes • Malts • Cones

Sundaes • Banana Splits

Root Beer Floats

Chicago Style Hot Dogs

Bratwurst • Soups • Chili24 Hwy. 105 in Palmer Lake

Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

CLOSED FOR THE SEASON

WE WILL RE-OPEN MARCH 27TH

11

Pizza • Pasta • LasagnaSalads • Sandwiches

Beer • Wine

Tuesday - Friday 5 - 9 pm • Saturday 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!

SNIPPETZ® DINING GUIDE

SpicyBasil

Asian Grill

Dine In • Take Out~ Ask About Our Party Tray ~

LET US CATER YOUR NEXT PARTY!

Business HoursMon - Sat: 11:00AM - 9:00PM

Sun: 12:00AM - 9:00PM

Tel: 719-488-9898 / Fax: 719-387-8923562 W. Hwy. 105 • Monument, CO 80132

(in the Safeway Shopping Plaza)

http://SpicyBasil.webs.com

ServingBeer & Wine

1-25

West

Spicy Basil❁

Hwy 105

Safeway

BEER & WINEBuy 1 get 1 FREE

Anytime of the Day!Expires 2/29/12

VALENTINE’S DAY SPECIAL

FREE DRINKWITH ENTREE

(Offer Good for 2/14/12 Only)

By Healthy Exchanges

VALENTINE’S SUNDAE DESSERT BARS

18 (2 1/2-inch) chocolate graham crackers4 cups sugar- and fat-free vanilla ice cream1 (4-serving) package sugar-free chocolate cook-and-serve pudding mix2/3 cup nonfat dry milk powder1 cup water1 teaspoon vanilla extract2 teaspoons reduced-calorie margarine1/2 cup miniature marshmallows3 tablespoons chopped pecans1/2 cup reduced calorie whipped topping4 maraschino cherries, halved

1. Arrange 9 graham crackers in a 9-by-9-inch cake pan. In large bowl, gently stir ice cream until slightly softened. Coarsely crush remaining 9 graham crackers and stir into softened ice cream. Spread mixture gently over graham crackers in cake pan. Cover and freeze while preparing topping.2. In medium saucepan, combine dry pud-ding mix, dry milk powder and water. Cook over medium heat until mixture thickens and starts to boil, stirring constantly. Re-move from heat. Stir in vanilla extract,

DINE IN or TAKE OUT! TRY OUR DESSERT!!Kids Menu Available! Gluten Free Menu!4 Different BBQ Sauces Made from Scratch!!

✰ AUTHENTIC SMOKED BARBEQUE ✰

SERVING DELICIOUS:

Pulled Pork, Brisket, Pork Ribs,Chicken, Sausage, “Street Style” Tacos,

100% Chuck Hand Formed BurgersBeef Ribs Served on Fridays and Saturdays.

WE ALSO HAVE:

8 Sides to Choose from!

ASK ABOUT OUR SPECIAL!Where to check us out:

In the Monument Plaza(Behind Rosies Diner)

(719) 487-0471WINTER HOURS:

11am -7pm / Closed Sun & Mon

Columbine Gardens

Chinese Restaurant

Locally-owned and operated. Serving the Tri-Lakes area

for 21 years! 481 Hwy 105, #201, Monument

(719) 481-2311 (719) 481-1936 Mon-Thu 11-9, Fri 11-9:30, Sat. 11:30-9

Starting Feb. 19 open Sun. 3:30-8:30 Sunday Special!

FREE cheese wonton Sun. only with $25 purchase. Exp. 4/30/12.

margarine and marshmallows. Drizzle hot mixture evenly over ice cream mixture. Sprinkle pecans evenly over top. Re-cover and continue to freeze for 2 hours or until fi rm.3. Let set at room temperature for 10 min-utes. Cut into 8 servings. To serve, top each with 1 tablespoon whipped topping and a maraschino cherry half. Makes 8 servings.

• Each serving equals: 191 calories, 3g fat, 7g protein, 34g carb., 199mg sodium, 1g fi ber; Diabetic Exchanges: 2 Starch/Carb., 1/2 Fat.

(c) 2012 King Features Synd., Inc.

12

(c) 2012 King Features Synd., Inc.

Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. MAPS: U.S. Interstate 10 ends in Los Angeles, but where does it begin on the East Coast?

2. SCIENCE: In 1959, physicist Rich-ard Feynman was the fi rst to propose what kind of technology (on a small scale)?

3. LITERATURE: What was Ernest Hemingway’s middle name?

4. MUSIC: What American folk-music group is famous for their song “Keep on the Sunny Side”?

5. MEDICAL TERMS: What is a more common name for the medical condi-tion “pruritus”?

6. SPORTS: Where will the 2014 Olym-pic Winter Games be held?

7. ARCHITECTURE: What famous ar-chitect’s residence in Wisconsin was called Taliesin?

8. LANGUAGE: What are the com-parative and superlative forms of the word “little”?

9. MOVIES: In “Cast Away,” what was the name that marooned actor Tom Hanks (Chuck Noland) gave the volley-ball that washed ashore?

10. GEOGRAPHY: What is the capital of Brazil?

1. When Philadelphia’s Roy Halladay won his second Cy Young Award in 2010, he tied the mark for the lon-gest gap between Cy Young Awards (seven years). Who else did it?2. From 1986 through 2006, the San Francisco Giants had three manag-ers. Name two of them.3. In 2010, Ryan Mallett broke the University of Arkansas record for most career TD passes. Who had held the mark?4. How many times during his 31 sea-sons did the NBA’s winningest coach, Don Nelson, lead a team to the play-offs?5. Who were the last two remaining active NHL players to have played in the 1980s?6. How many times did the Japanese women’s soccer team fail to beat the U.S. before defeating the American team in the 2011 World Cup fi nal? 7. In the fi nal race of his career in 1920, Man o’ War defeated the 1919 Triple Crown winner in a match race. Name the losing horse.

(c) 2012 King Features Synd., Inc.

SNIPPETZ® PUZZLES AND TRIVIA

1. Which Jo Stafford hit from the 1950s netted her a No. 1 slot on charts in both the U.S. and U.K.?

2. Who is Andrew Loog Old-ham?

3. Name the group that had a Top 10 hit with “Livin’ Thing,” and give the decade.

4. Which group released “Day After Day,” a song covered by Rod Stewart 35 years later?

5. What was Lou Reed’s fi rst solo release? What was the name of the band he left?

6. Which girl group had a hit with “Eternal Flame,” and when?

New DVD Releases forWeek of February 13, 2012

PICKS OF THE WEEK

“The Rum Diary” (R) -- Adapted from an early novel by madman journalist Hunter S. Thompson, this romp doesn’t seem to live up to the absurdity of its story and characters. Johnny Depp plays Paul Kemp, an American writer who dives into the lush paradise of 1960s Puerto Rico with the intention of be-coming a respected newsman at a local paper. An American big shot (Aaron Eckhart) picks Kemp to polish the story of his shady land

deal. Things (are supposed to) kick off when Eckhart’s blond bombshell of a fi ancee takes a keen interest in the journalist, who already has his own ideas about how to portray the hungry capitalists circling the island.

What was shaping up to be a wild ride of debauchery and righteous anti-imperialism never hits full speed. The plot plods along as even the most outrageous acts of Kemp and his fellow burnout journalists seem tamed by lazy fi lmmaking.

“Paranormal Activity 3” (R) -- The fran-chise jumps into prequel mode and takes the found-footage poltergeist story back to 1988. Like the previous fi lms, this one takes the angle of homemade tapes made by a family trying to catch a glimpse the thing that goes bump in the night. Though there’s only so much gas left in the tank at this point in the series, “Paranormal Activity 3” produces the startling jumps and creepy chills that audi-

ences come for.

“Take Shelter” (R) -- This chilling drama about a man and his fears is quiet, slow, gripping and hard to forget. Curtis (Michael Shannon) is a husband and father in small-town Ohio who starts having apocalyptic nightmares. The sense of dread seeps into his waking life as he quietly becomes obsessed with rebuilding an old tornado shelter in the backyard. Turmoil surfaces as his wife, his friends and his community start to doubt his sanity and his ability to care for his daughter.Shannon knocks it out of the park, playing a good man with a quiet demeanor who is un-able to cope with what’s inside. The audience is pulled into his uneasiness as the man who is acting on intuition and compulsion goes further down the rabbit hole.

“American Teacher” (NR) -- Through the lives of four different teachers, each encoun-tering a career milestone, this documentary

examines the American education system as it stands today. Interviews with students, teachers and experts are supplemented with statistics and charts to paint a broad picture rooted in human stories. The view isn’t a rosy one; fundamental issues dog the system and leave some students tragically underserved. Anybody who wants to look behind the cur-tain at just what’s going on with our schools should pick up this heartbreaking documen-tary.

TV RELEASES

“Family Matters: The Complete Second Season”

“Beavis and Butthead: Volume 4”“Hawaii Five O -- First Season” [Blu-ray]

“Storage Wars, Volume 2”“Overland Trail -- The Complete Series”

(c) 2012 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 (13).

(c) 2012 King Features Synd., Inc.

BySamStruckhoff

13

(c) 2012 King Features Synd., Inc.

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. “You Belong to Me,” in 1952. The song was originally written as “Hurry Home to Me.”2. Oldham was the Rolling Stones manager from 1963 to 1967. Although only 19, he had the bril-liant idea of keeping custody of the master tapes and leasing them out for bigger profi ts.3. Electric Light Orchestra (ELO) in 1976.4. Badfi nger, in 1971. The single from their “Straight Up” album and went to No. 4.5. “Walk on the Wild Side,” in 1971, was Reed’s fi rst solo single after leaving The Velvet Under-ground.6. The Bangles, in 1989. The song was No. 2 for the year, behind Madonna’s “Like a Prayer.”

1. Jacksonville, Fla.2. Nanotechnology

3. Miller4. The Carter Family

5. Itching6. Sochi, Russia

7. Frank Lloyd Wright8. “Less” and “least”

9. Wilson10. Brasilia

1. Atlanta’s Tom Glavine -- 1991 and 1998.2. Roger Craig, Dusty Baker and Felipe Alou. 3. Clint Stoerner, with 57 (1996-99). Mallett fi nished with 62.4. Eighteen times. 5. Mike Modano and Mark Recchi, both of whom re-tired before the 2011-12 season.6. Twenty-fi ve times.7. Sir Barton.

FEBRUARY 13, 2012

ARIES (March 21 to April 19) You don’t like rejection. But instead of trying to “ram” your ideas through to an unreceptive audience, stand back and wait for a more favorable en-vironment later this month.

TAURUS (April 20 to May 20) Job com-mitments call for the tidy Taurean to charge into those problem-plagued projects and get them into shape. Then go ahead and enjoy the fun and friendships of your expanding social life.

GEMINI (May 21 to June 20) The pressures of the workplace are beginning to ease. While you still need to stay connected to your ongo-ing commitments, you’ll be able to take more time to relax with family and friends.

CANCER (June 21 to July 22) You might feel that you need to prove how much you can do. But be careful not to take on more than you can handle, or you risk being bogged down. An Aries has a message for you.

LEO (July 23 to August 22) Financially it could be a little tight for a while. So resist the urge to splurge on things you don’t really need. There will be time enough to indulge yourself when the money squeeze eases later this month.

VIRGO (August 23 to September 22) You demand trust from others. But someone is creating a situation that could put your own trustworthiness in question. Be sure to keep all lines of communication open.

LIBRA (September 23 to October 22) A problem delays the recognition that you hoped to receive for your hard work. But all will soon be resolved. Remember to make patience your watchword this week.

SCORPIO (October 23 to November 21) Those wonderful ideas could expand your workplace prospects and ultimately lead you on a new career path. Your personal life also opens up new vistas.

SAGITTARIUS (November 22 to December 21) So much seems to be swirling around you these days that you might fi nd it hard to focus on priorities. Best advice: Take things one at a time, and you’ll get through them all.

CAPRICORN (December 22 to January 19) Work out situations with what you have, and avoid the temptation to create complications where they don’t exist. This applies both at home and in the workplace.

AQUARIUS (January 20 to February 18) Keep your keen senses open to possible changes in personal and/or professional situ-ations. Knowing what might lie ahead gives you an edge on how to handle it.

PISCES (February 19 to March 20) Personal pressures at work could create a problem with your performance. Best advice: Focus on the job ahead of you. If necessary, you can deal with the other issue later.

BORN THIS WEEK: Like your fellow Aquarian Abraham Lincoln, you have a way of handling the most diffi cult situations with grace and conviction.

14

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SNIPPETZ® WEEKLY MAGAZINE

Things to do on the Internet

Fun Scientific ExperimentsSeries 3, Article 3

Here are some great resourcesfor parents and teachers toshow kids how to experimentwith science. The experi-ments on these websites areconsidered safe by the web-sites that list them, but makesure your children alwayshave parent supervision...ifonly to cut down on the messthey could cause. Your kidscan use these science experi-ments for “Show-and-Tell”,extra credit in Science Class,or just to entertain theirfriends and family!

Make a tornado in a bottle oran Alka-Seltzer rocket. Makeyour own rain stick, or hover-craft! Make a quarter vanish,a magnet buzz or a bottleburp.www.weirdsciencekids.com/sciencevideos.html

Here’s a great website to learnhow to walk on eggs, or put askewer through a balloon.There’s even a video thatshows parents how to helptheir children create a ScienceFair Experiment that goes waybeyond the “Wow-Factor”.www.stevespanglerscience.com/video

Joey Green’s Mad ScientistExperiments. These experi-ments will keep kids andadults alike entertained forhours! Make a rubber chickenbone, underwater fireworks,an electric lemon, quicksand,or get “green” and make somerecycled paper!www.wackyuses.com/madscientist.html

Science Bob does crazyexperiments for your enjoy-ment. By the time you watchthese videos, you’ll know howto build a lava lamp, growcrystals, make slime, and cre-ate a volcano....this video shows you how to make a

volcano correctly so it doesn’tblow up all over the kitchenlike in the movies!www.sciencebob.com/experiments/videos/

Learn interesting science factsby experimenting with differentmaterials that react in surpris-ing ways. Also, make a rain-bow, make a straw bend andmake snot and gross out yourfriends!www.sciencekids.co.nz/experiments.html

ScienceHack provides sciencevideos of real scientific experi-ments. The videos are screenedand approved by scientists.The categories include Physics,Chemistry, Space, Psychology,Robotics, Biology, How It IsMade, Mathematics, Civil,Engineering, Computer Science,Green Energy, Nature. www.sciencehack.com

Ever wonder how the ancientRomans fed their armies?What the pioneers cookedalong the Oregon Trail? Thisisa fascinating timeline show-ing when foods were firstintroduced in the world.www.foodtimeline.org

Test your knowledge withAbout.com’s Chemistry,Science and Scientific TriviaQuizzes. Did you know youcan make your own PH PaperTest Strips out of cabbage!There is also an entire tab ded-icated to Science Fairs -- “Howto come up with OriginalIdeas”, and “Important Stepsof a Science Fair Project”www.chemistry.about.com/

Fun Science Facts you probably didn’t know:www.hightechscience.org/funfacts.htm

Tune in next week for: IncrediblyFun Interactive Websites!

Find all past articles at www.WebChatbyRobyn.comThis article is written by Robyn Graham, Owner of WebsitesByRobyn.com

If you have any questions or requests for articles concerning a particularsubject, feel free to contact me at Robyn@WebChatByRobyn.com

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TEN FACTS FORMORTGAGE DEBT

FORGIVENESS

The following is a partial reprint from the IRS Tax Tip 2011-44, March 3, 2011 article-

If you are a homeowner whose mortgage debt is partly or entirely forgiven during tax years 2007 through 2012, you may be able to claim special tax relief and exclude the debt forgiven from your in-come.

Here are the facts-

1. Normally, debt forgiveness results in taxable income. However, under the Mortgage Forgiveness Debt Relief Act of 2007, you may be able to exclude up

TAX TALK

with Tinato $2 million of debt forgiven on your principal residence. The limit is $1 mil-lion for a married person fi ling a separate return.

2. You may exclude debt reduced through mortgage restructuring, as well as mort-gage debt forgiven in a foreclosure.

3. To qualify, the debt must have been used to buy, build or substantially im-prove your principal residence and be secured by that residence, including re-fi nanced debt.

4. Proceeds of refi nanced debt used for other purposes – for example, to pay off credit card debt – do not qualify for the exclusion.

5. If you qualify, claim the special exclu-sion by fi lling out Form 982, Reduction of Tax Attributes Due to Discharge of

Indebtedness, and attach it to your fed-eral income tax return for the tax year in which the qualifi ed debt was forgiven.

6. Debt forgiven on second homes, rental property, business property, credit cards or car loans do not qualify for the tax re-lief provision. In some cases, however, other tax relief provisions – such as in-solvency – may be applicable. IRS Form 982 provides more details about these provisions.

7. If your debt is reduced or eliminated you normally will receive a year-end statement, Form 1099-C, Cancellation of Debt, from your lender. By law, this form must show the amount of debt forgiven and the fair market value of any property foreclosed.

More information on mortgage debt forgiveness can be found at:

www.tinawatsoncpa.com/blog.Next week we’ll review

the marriage penalty.

Tina Watson is a Certifi ed Public Ac-countant in Gleneagle. You can contact her at tinawatsoncpa@gmail.com or visit her website at www.tinawatsoncpa.com.

FINDINGLOWER-RATE

CREDIT CARDS

If your credit is solid but you’re paying higher credit-card interest rates than you’d like, don’t expect the credit-card

company to lower your rate without a re-quest from you. Even then it’s likely you’ll be stuck. But you have another option: credit unions.

It’s likely that a credit union will be your best bet for a credit card you’ll want to keep long term. The National Association of Federal Credit Unions [www.nafcu.org] wrote in a recent news release that credit unions have an upper limit of 18 percent for both credit cards and loans. Their aver-age credit-card interest rate is 12 percent, with some as low as 9 percent.

When it comes to fees, credit unions are generally much lower. Credit unions are not-for-profi t, so they’re not out to charge a fee for every loophole they can get away with. You’ll fi nd ATMs, good service and a friendly staff because as an account holder, you are a member-owner.

If you want to look for credit unions you’re eligible to join and see a comparison be-tween their rates and banks, go online to www.culookup.com. (Tip: On the lookup screen, it asks for your whole street ad-dress. Don’t give it. You’ll get just as much information by putting in just your ZIP code.)

You’ll be shown a map of credit unions in your area. On the left side, click on Com-pare CU Rates for comparisons on nearly any fi nancial product: car and boat loans, adjustable- and fi xed-rate mortgages, money-market accounts, credit cards and certifi cates of deposit. The site also has a number of calculators for home, credit, re-tirement, savings and auto.

Remember: Don’t cancel your other cred-it cards if you take a new one for a bet-ter deal. Bring the balance to zero on old card, and then let the card sit unused. Your credit score is partially determined by the total amount of credit available to you versus the percentage of that amount you have used. If you have an unused card with a $10,000 availability and you cancel that account, the percentage of your total avail-ability drops. As the percentage of credit you use rises (after you cancel a card), your credit score drops. Keep your percentage under 30 percent.

David Uffi ngton regrets that he cannot per-sonally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Fea-tures Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail.com.

(c) 2012 King Features Synd., Inc.

16

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