snippetz issue 414

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









The Frugal Fad... Continued on Page 2

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ISSUE 414 • OCTOBER 5, 2009

MONUMENT FARMERS MARKETWE WANT TO THANK OUR

COMMUNITY FOR THEGREAT SUPPORT!

WE ARE LOCATED IN MONUMENT,IN THE MONUMENT PLAZA

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“Less is more.” - Ludwig Mies van der Rohe, Architect

(1886-1969)

Fru•gal:1. economical in use or expenditure; pru-dently saving or sparing; not wasteful2. entailing little expense; requiring few re-sources; meager; scanty

-Random House Unabridged Dictionary

Frugal-related words also include sparse, thrifty, careful and economical. Nowhere does the word “cheap” show up in the dic-

tionary. Thus, before getting into the meaning of being frugal in today’s sluggish economy, it’s

The Frugal Fad... Continued from Page 1


2

THIS WEEK IN SNIPPETZCover Story

ALL RIGHTS RESERVED © 2009PUBLISHED BY FUNDER ENLIGHTENING, INC.

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

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

NEXT WEEK IN SNIPPETZ

FEATURE ARTICLESStrange But True... 5

Moments In Time... 8

Senior News Line... 9

STYLE PAGE 6Kims Korner

SNIPPETZ BUSINESS DIRECTORY PAGE 10

Local Businesses on the Go!

PETS 10SAINT Adoptions

THE DINING GUIDE PAGES 11-13Good Housekeeping 2 ...12

Patricia’s Café... • Vino-Bits... 13

CLASSIFIED PAGE 14GREAT BARGAINS - Find Your Treasure!

Business / Employment Opportunities

HEALTH AND WELLNESSPAGES 14-15

Fitness Matters by Dane Matthew... 15

PUZZLES, TRIVIA,ENTERTAINMENT 16-17

Trivia Test • Sports Quiz • Flash Back

Super Crossword • Weekly Sudoku

Couch Theater DVD Previews

Huey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

BUSINESS AND FINANCEPAGES 18-19

Financial Focus ... 18

The Law According To Stevens... 19

REAL ESTATERobin’s Rap... 19

New Homes... 20

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SNIPPETZ EXAMINESTHE FRUGAL FAD

SNIPPETZ HEATS THINGSUP WITH CHILI!

most important to clarify the differences between fru-gal and cheap. Webster’s Dictionary defi nes the word “cheap” with the following adjectives: inexpensive, low quality and stingy. In purist terms, in no way do the last two relate to “frugal.”

FRUGAL VS. CHEAPSome frugal people occasionally refer to themselves as cheapskates, but there are notable differences. For example:

• Saving an extra $100 from your paycheck, above and beyond your 401K, is frugal. Stealing copy paper from the offi ce to avoid paying for it is cheap.

• Going out to dinner and ordering chicken instead of steak – although you really want the steak – is frugal. Under tipping the waitress to save money is cheap.

• Asking someone out for a fi rst-time dinner date to a nice pizza joint to save money is frugal. Asking someone out for a fi rst-time dinner date and then ask-ing her – or him – to split the bill is cheap.

• Growing your own food to cut back on groceries is frugal. Dumpster diving for food is defi nitely cheap.

THE GRAY AREAFrugal versus cheap is often a matter of opinion.

In August, Kimberly Palmer wrote an article for U.S. News and World Report on frugality and early re-tirement. She interviewed a 32-year-old IT engineer from Omaha, Neb., who is planning to retire as soon as possible – before age 50. He makes his own Win-dex by mixing rubbing alcohol, water and a little bit of soap and reuses old shirts for dishtowels. He sells old household items on Craig’s List and eBay. He usually takes his lunch to work but occasionally gets a free burger by fi lling out free surveys at the fast-food joints. Most of his saving techniques are frugal, but using old shirts for dish towels – some might say “cheap.”

Palmer also cited a 33-year-old living in California on a budget of a little more than $500 a month (Cali-fornia?) with the rest (75 percent) going to savings. Jacob is a blogger, according to the article, and has already retired from his job as an astrophysicist. He lives in a small house and doesn’t drive because he lives close to all the amenities. He, too, sells on eBay and other sites.

Frugal? cheap? deprived?

ENOUGH ABOUT CHEAPAND ON TO FRUGAL

Lifestyles in America have changed – some dras-tically – as the economic disaster of the past few years caught the country ill-prepared. People have lost their savings, their jobs and their homes. As gas prices soared, Americans cut vacations, even cross-town trips, to weather the storm. Many tossed their big vans and SUVs to the wind in favor of smaller, more economical cars.

And customers at consignment clothing stores are the same people who used to drop off their clothes. Goodwill has become the new Gucci.

Additionally, a number of people are farming their backyards to beat the high costs of groceries.

Frugality has become the new face of America. It’s the rage.

The Internet is inundated with online, self-subscribed frugal fi nancial advisors. Bloggers galore have cut a piece of the Web pie for themselves, sharing their ideas and attempts at living frugally.

There’s www.frugaldad.com. Frugal Dad’s writings have appeared in the Chicago Tribune and the Los Angeles Daily News and he’s written an e-book, “The 7-Day Turnaround: One Week to Change Your Family’s Financial Future.”

Frugal Dad touts his approach to debt reduction hop-ing that others can benefi t.

In January 2008, Frugal Dad wrote that his family had agreed to trim their cable service from expanded to basic for one year. They eliminated 60 channels and saved $35 a month (every little bit counts). They survived without psychiatric care or family discord but decided to resume expanded cable after the one-year trial. That decision caused a few raised eyebrows among Frugal Dad’s readers. One suggested the deci-sion to re-up the cable service could be compared to diet fads. Give it up, give in.

However, Frugal Dad said the comparison had merit but even the successful dieter, who turns good eating habits into a lifestyle, can eventually add a bowl of ice cream or a couple of cookies to the menu. It’s called maintenance, Frugal Dad said, and it’s the same concept regarding fi nances. Those who succeed at reducing debt or building savings can “relax the

3

SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

The Frugal Fad... Continued from Page 2


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spending diet” and without guilt resume something like expanded cable service.

It’s about “balancing things out and avoiding waste … spending money to get a good value,” Frugal Dad said.

FAD OR A NEW FRUGAL AMERICA?In August, the American Psychological Association addressed the frugal fad in “Monitor on Psychology,” an online APA news brief. According to the article by Amy Novotney, social researchers found that even people who haven’t been threatened by the economic debacle have pulled back on spending. Novotney re-ported that 7 million more households (up 19 percent) planned to grow their own food in 2009, according to the National Gardening Association. In April 2009, the national savings rate jumped to 5.7 percent of dis-posable income, up from a “historically low average rate of 0.5 percent the previous year.” Americans ap-pear to be less wasteful. Landfi lls nationwide report that incoming trash is down by 30 percent.

And a Gallup survey showed that seven in 10 Ameri-cans are cutting weekly expenses.

Some psychologists say the frugal fad could be the silver lining among the black clouds of the economic downturn. Will Americans become less credit happy and more conscientious about their spending habits? Will new spending habits mean that Americans will place less value on material things?

Other psychologists say that a thrifty-manic America will not last. Once credit starts fl owing again, the fru-gal fad will fade.

Or not.

In an Associated Press article on MSNBC.com, a sur-vey by a research fi rm – AlixPartners – predicted that when the “Great Recession” subsides, Americans will “spend at about 86 percent of their pre-downturn level.”

It might be “in” to be prudent about spending but in many ways it’s a catch 22 for the economy. In 2008, consumer spending adjusted for infl ation was down 0.2 percent, the fi rst annual drop since 1980. The frugal fad has meant signifi cant losses for the car, household goods, clothing and shoe industries.

4

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The Frugal FadContinued from Page 3

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To add fuel to the fi re, the big-spender baby boomers have seen tremendous losses in their retirement savings, and their time is running out. Baby boom-ers have driven trends in America for years – their new thrift-conscious atti-tude could keep frugality alive for quite some time.

GET ON BOARDIf anyone is interested in frugal living, it’s obvious that advice is fl owing like the Colorado rivers during the spring runoff. And many of those Web sites back their advice with online coupons, like www.beingfrugalisfabulous.com. Print out a coupon for all kinds of items, from breakfast cereal to eye ex-ams at Sears. Just Google “coupons,” and the options are vast.

Leo Babauta has one of the top blog sites on the Internet – www.zenhabits.net. He also wrote a book, “The Power of Less: The Fine Art of Limiting Your-self to the Essentials.” Babauta lives on Guam and has a wife and six kids. This frugality guru provides 50 ideas for saving money.

Many of those ideas have been around for generations. Turning off lights, hanging the clothes out to dry and minimizing shower time have been continuously drilled into Americans as worthwhile energy-saving techniques. His more standard steps for saving

money also include downsizing the family car; buying used clothing and furniture; brown bagging it; creating unique gifts.

Here are fi ve of Babauta’s do-I-really-have-to frugal methods – and some side benefi ts.

1. Stop online impulse buys (no more hiding the package before he or she gets home).

2. Eat less meat (more tofu equals fewer cows, and talk about energy sav-ings!).

3. Pay your credit card off each month or tear it up (pretend the plastic is a Dear John letter from your bank ac-count – grieve and get over it).

4. Do it yourself (mow your own lawn and get fi t, saves on the gym member-ship).

5. Drink water, not beer (saves money and creates family time – no more Sun-day afternoon football parties).

As they say, the proof of America’s frugal fad as a permanent direction is in the pudding (or the JELLO, which-ever is the least costly). Meanwhile, remember to pick up your FREE Snip-petz newspaper; and, save on paper towels and keep the newspaper to wash your windows with vinegar and water. Or, recycle to save the earth.

It’s the craze: save something.

Barbara Oakley719-488-2119PO Box 863

Monument, CO80132

TRI-LAKES&

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5


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Samantha Weaver

• It was British novelist Terry Pratchett who made the follow-ing extremely sage observation: “Some humans would do anything to see if it was possible to do it. If you put a large switch in some cave somewhere, with a sign on it saying ‘End-of-the-World Switch. PLEASE DO NOT TOUCH,’ the paint wouldn’t even have time to dry.”

• You probably don’t think much about the fees charged at ATMs, but maybe you should start. That $1 here, $2.50 there really adds up -- to more than $4 billion every year in the U.S. alone.

• Do you suffer from prosopagno-sia? Unless you’ve suffered some kind of injury to your brain, prob-ably not. Also known as face blind-ness, prosopagnosia is the inability to recognize familiar faces.

• The Goliath frog of West Africa can reach up to a foot in length and weigh more than 7 pounds. • Wimbledon, played in the United Kingdom and one of the four Grand Slam events, is the oldest tennis tournament in the world. Every year at the event about 42,000 balls are used. • If you’re a fan of the tiny, rubbery candy known as the Gummi Bear, here’s some good news for you: The world’s largest Gummi Bear is now on the market, available for about $30. The equivalent of 1,400 regular-size bears, the giant candy weighs 5 pounds.

• The Campbell’s Soup paintings by Andy Warhol have become iconic, with collectors paying up to $11.7 million to own one. The very fi rst one ever sold, however, cost only $100. That was way back in 1962, and the buyer was actor Dennis Hopper.

***Thought for the Day: “Why is it that our memory is good enough to retain the least triviality that hap-pens to us, and yet not good enough

to recollect how often we have told it to the same person?” -- Francois de La Rochefoucauld

(c) 2009 King Features Synd., Inc.

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In appreciation of service, we offer 15% discounts to military (including cadets), teachers, police and fi re fi ghters.

6


The Tri-Lakes Senior Alliance

REOPENS ITS IMPROVED THRIFT STORETuesday through Saturday

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For information, to volunteer, or to donate items, call the store during business hours.

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The Tri-Lakes Senior Alliance reopens its improved

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Incredible savings on things you need (or want). Sporting Goods – Bicycles, skis, heaters, coolers,

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7

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5 EASY STEPS TO CHOOSING PAINT COLORS

Choosing colour for your home can be daunting. Whether it’s paint for the walls or fabric

for the sofa, most people get confused and are scared to make the “wrong” decision. Stop putting it off here are 5 things to consider in choosing the perfect colors for your home.

1. Make it personal

Don’t be afraid of your own taste. Remember that your home is a refl ection of you. If you travel and see colourful things you love, don’t worry about whether or not they’ll match your decor, bring them home! Don’t be afraid to show off your objects - they not only hold memories for you, but will show others what you love, and can become conversation pieces.

2. Be inspired

To choose colour, you fi rst have to know what you like and what you don’t like. Look to art for inspiration. Visit galleries and shops, go to museums, and look through magazines. Viewing a lot of art can help defi ne what appeals to you. Once you’ve seen enough, you’ll be able to recognize the colours you like, and the textures, styles and shapes you prefer. Buying art is a great way to choose colour.

3. Take small steps

If you’re not quite ready to choose colour for the walls, start small with accessories. Dress up a room with throws, pillows, lamps, art and so on. We sell lamps that feature original watercolour paintings as lampshades.

When the lamp is on it radiates with colour -- a large effect for little commitment. If you’re not 100 per cent sure about a colour palette, replace colourful accessories seasonally. It will help you confi rm the colours you like best in your space. If you’re ready to take a bigger step, add colour to your fl oor. If you have plain wood fl oors at home you can put bright, colourful woven rugs on top. You can even put rugs over beige carpet.

4. Be brave

The most important thing to remember is that nothing is permanent. It’s only paint; if you don’t like it, paint over it! Colour is eye candy, so don’t be scared or intimidated by it. You can stick with neutral furniture and neutral walls if you want, but be brave enough to add colour throughout the house in other ways. Colour is joyful and playful: it makes you happy to look at it.

5. Look at what you wear

Most people choose clothing to go with their skin colour, hair colour, eye colour and so on. Sticking to what suits you makes sense: the colours you wear often probably best represent the colours you’re comfortable with. So when choosing colours for an interior space, surround yourself with ones you’re already used to seeing. If you wear a lot of neutral colours your decor may tend to feature neutral colors such as creams and browns, but you may have very vibrant art and accessories. Why not accessorize a room the way you’d dress up an outfi t? You can put bright colour on one wall in a room, the same way you would wear head-to-toe neutral colours and add a great red scarf.

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donated by local artists

DATE: Wed, Oct 7, 2009 PLACE: Lewis-Palmer HS TIME: 5:00 PM to 7:30 PM COST: $20.00 donation to Tri-Lakes Care CHECKS: payable to MHS

TICKETS MAY BE PURCHASED IN ADVANCE AT THESE LOCATIONS:

Covered Treasure Bookstore Monument High Country Home & Garden-Monument Second Street Art Gallery-Monument Tri-Lakes Printing -The Woodmoor Center Rock House Ice Cream & More - Palmer Lake

Or Call Bonnie Biggs at 651-1946

One Child Under 12 - FREE - with a purchased ticket

100% of proceeds assist those in the Tri-Lakes Area

Tai Yi means Supreme Movement and is a healing modality that includes

using Universal Energy in 4,000 exercises to assist one physically, emotionally, and mentally. Tai Yi is similar to acupuncture and predates acupuncture in Chinese history.

TAI YI: HOW IT CAN IMPROVE YOUR LIFE

Tai Yi does not use needles and can heal on a deeper level than acupuncture. Tai Yi can assist one who is feeling under stress, lack of focus, a lowered immune system, anxiety, depression, and anger. Tai Yi can also add great benefi t to ones in therapy.

For more information, go to: www.empowermentthroughhealing.com and click on History of Tai Yi.

EMPOWERMENT THROUGH HEALING, LLC

[email protected] • www.empowermentthroughhealing.com

Tai Yi Energy Practitioner - Tami Urbanek

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

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

719-641-2017Making New Choices to Create a New Reality

The Tri-Lakes Senior Alliance

REOPENS ITS IMPROVED THRIFT STORETuesday through Saturday

10:00 am – 4:00 pm(719) 488-3495

For information, to volunteer, or to donate items, call the store during business hours.

Proceeds benefi t the Tri-Lakes Senior Citizen Program

SPORTING GOODSBicycles, skis, heaters, coolers,

golf clubs, camp chairs,back packs, roller skates

FURNITUREDesks, entertainment centers,

fi le cabinets, coffee tables, rocker, beds, collectibles

APPLIANCESKitchen stove & oven, microwaves, vacuum cleaner,

bread makers, juicers, clocks, clock-radios

CHILDREN ITEMSToys, games, bicycles, back-packs, strollers,

portable crib

The Tri-Lakes Senior Alliance reopens its improved

Thrift Store Tuesday through Saturday, 10:00 am–4:00 pm

719-488-3495

For information, to volunteer, or to donate items, call the store during business hours. Proceeds benefit the Tri-Lakes Senior Citizen Program

Incredible savings on things you need (or want). Sporting Goods – Bicycles, skis, heaters, coolers,

golf clubs, camp chairs, back packs, roller skates Furniture – Desks, entertainment centers, file

cabinets, coffee tables, rocker, beds, collectibles, Appliances – Kitchen stove & oven, microwaves,

vacuum cleaner, bread makers, juicers, clocks, clock-radios,

Children Items – Toys, games, bicycles, back-packs, strollers, portable crib,

Tools – Car jacks, sander, wrenches, hack saws, hand

trucks, tire chains, snow shovels, tool boxes Furnishings - Chandeliers, ceiling fans, table

lamps, floor lamps, knick-knacks, baskets, tables, pictures, suit cases

Books – Over 2,000 paper-backs, hard-backs, collector books – All subjects

Tri-Senior Alliance Thrift Store

Unit No. 9 behind the West End Center 755 Highway 105

Palmer Lake, Colorado 488-3495

Note: We can not accept electronics, clothes, shoes, purses, or child’s car seats.

INCREDIBLE SAVINGS ON THINGS YOU NEED (OR WANT!)TOOLS

Car jacks, sander, wrenches, hack saws, hand trucks, tire chains, snow shovels, tool boxes

FURNISHINGSChandeliers, ceiling fans, table lamps, fl oor lamps, knick-knacks, baskets, tables, pictures, suit cases

BOOKSOver 2,000 paper-backs, hard-backs, collector

books – All subjects

NOTE:We can not accept electronics,

clothes, shoes, pursesor child’s car seats.

8

PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ® POSSIBLE!

SAFE • CLEAN • SECURE Double J

Judi & Jeff Havens - Owners6470 Walker Road • Colorado Springs

By Appointment: 495-1774

Owners on Site- 24 Hour -

Supervision

BOOK YOUR HOLIDAY

VACATIONS EARLY

• Reasonable Rates• Large/Indoor Heated Runs• Elevated Dog Beds• Overnight/Long Term

• Catering to Special Diets & Other Needs• Multi Pet Discounts for Pet Roommates

County Line Rd.

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y. 83

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pson

Rd.

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rest

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DoubleJ

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DOGBoarding Kennel

QUALITY GOODS & SERVICES

• On Oct. 11, 1793, the death toll from a yellow fever epidemic in Philadelphia hits 100 per day after refugees from a yellow fever epidemic in the Caribbean fl ed to the city. Philadelphia was the seat of the United States government at the time, but federal authorities simply evacuated the city in face of the raging epidemic.

• On Oct. 10, 1877, the U.S. Army holds a West Point funeral with full military hon-ors for Colonel George Armstrong Custer. Killed at the Battle of the Little Big Horn the previous year, Custer’s body had been returned to the East for burial on the

grounds of the U.S. Military Academy at West Point, N.Y., where Custer had graduated in 1861 ... at the bottom of his class.

• On Oct. 8, 1918, during World War I, U.S. Corporal Alvin C. York is credited with single-handedly

killing 25 German soldiers and capturing 132 in the Argonne Forest of France, for which he earned the Congressional Medal of Honor.

• On Oct. 6, 1926, Yankee slugger Babe Ruth hits a record three home runs against the St. Louis Cardinals in the fourth game of the World Series. The Yanks won the game 10-5, but despite Ruth’s unprec-edented performance, they lost the cham-pionship in the seventh game.

• On Oct. 5, 1947, President Harry Tru-

man makes the fi rst-ever televised presi-dential address from the White House, asking Americans to cut back on their use of grain in order to help starving Europe-ans. He also requested that the public vol-untarily forgo meat on Tuesdays, eggs and poultry on Thursdays and save a slice of bread each day.

• On Oct. 7, 1960, the television program “Route 66” airs its fi rst episode, relating the roadside adventures of Buz and Tod as they cruised the famous highway in Tod’s

Corvette convertible. The program ran for four years. • On Oct. 9, 1974, German businessman Oskar Schindler, credited with saving 1,200 Jews from the Holocaust, dies at age 66. In 1944, at great risk to himself, he bribed Nazi offi cials into allowing him to keep his workers and set up a factory in a safer location in occupied Czechoslo-vakia.


THE PLACE FOR GREATBIRTHDAY GIFTS

FREE Gift Wrapping

Unique HandcraftedDollhouses & Accessories

for the Discriminating “Mini-Home Owner”

Both stores conveniently located at274 Washington Street, Historic Monument

481•1361

A CUT ABOVEDRYWALL

When You Want It Done Right...The First Time!

Drywall Patches,

Repair andTexturing

• No Job Too Small• Free Estimates

• Reasonable Rates• 25 Years of Experience

Call Mark Today!

Home: 719-481-0509Cell: 719-237-9277

Once you’ve triedour service, you’ll

know why we’re calledCUSTOMER’S CHOICECall today for a FREE quote

487-9713 or 351-7476

HUGE SALE!!

finders keepersby Peggy Rima

NEW FALL ARRIVALS!Incredible Jewelry Unique Gifts Local Art

Pottery & Candles Colorado Jams, Salsas & Honey

“gifts from the heart”

Celebrating 9 Years in Palmer Lake • (719) 487-8020 • 91 Hwy. 105 • Palmer Lake

9

SNIPPETZ® THE LOCAL SCOOP

THETRI-LAKES

TEAMATTENTION:

TRI-LAKES HOMEOWNERSDuring this economic downturn, there is a silver lining. The cost of material goods is lower now than it has been for years. The cost for labor has also been reduced signifi cantly. The result for residential homeowners is the cost of remodeling is at an all-time low. If you remodel during this window of opportunity, you will realize a huge return on your investment. When our economy turns around, as it has several times before, the old adage “Buy Low, Sell High” can really apply to the value that will be added to your home.

Here is a list of the local contractors who work together to help you with all of your residential home repair and general remodeling. Everyone is licensed and insured, and together, we have over 275 years experience. We all promise top-quality workmanship, warrantied materials and fi rst-class customer service.

CONS

TRUC

TION PLUMBING

ELEC

TRIC

AL

TRI-LAKES BUILDING CO. INC.Commercial contractor licensed and insured. Commercial and residential

construction and remodeling. Fine cabinetry and door and drawer repair in our local shop. Established in 1977. PH: 719-481-2671

MJB PLUMBING & HEATING INC.Installation And Repair Of Plumbing, Gas Lines, Hot Water Heat.

PH: 719-488-2738 • FAX: 719-488-1676

HEATING

DUKES ELECTRICWe have serviced the Tri-Lakes Community, El Paso Country and

Douglas County for 33 years in residential and commercial electrical installation and repair. PH: 719-481-3557

ARROW HAWK HEATINGNew Construction, Remodeling, Furnace Replacement and Repair.

PH: 719-488-1991

PRO-TECH ROOFING SYSTEMS & SEAMLESS GUTTERLocally owned, specializing in all types of roofi ng and gutter installation.

All of our work is covered by a fi ve year workmanship warranty withsatisfaction guaranteed. References at your request.

PH: 719-473-9554 • FAX: 719-473-9555 • Email: [email protected]

HAVENS S&P CONCRETE CO.PHIL HAVENS

Flatwork: Commercial • Residential • DecorativePH:/FAX: 719-264-7742 • CELL: 719-310-8866

OCEAN CONSTRUCTIONA Wave of Excellent Carpentry

Richard Harding • Insured Independent ContractorPH: 719-243-4075

ROBERT GLEN PAINTING & DRYWALL INC.Specializing in Residential and Commercial Repaints & Drywall Repairand Texture Matching. Professional, Friendly Staff Ready to Serve Your

Needs. Serving Southern Colorado Since 1995. PH: 719-593-8148 • FAX: 719-593-9352 • Email: [email protected]

EAGLE PLASTERING INC.Professional Integrator in Hard Coat Stucco Systems, Drywall,

Masonry and High Performance EIFS for Sustainable Construction.PH: 719-227-7533 • FAX: 719-227-7530 • SALES: 719-227-7533 EXT-8009

BLACK DIAMOND EXCAVATION LLC.Skid Loader Work, Grading, Landscaping, Trenching

Post Holes, Boulder Walls, Driveways. JIM • PH: 719-459-0391

PAIN

TING ROOFING

CONC

RETE

PLAS

TER /

DRYW

ALL

CONSTRUCTIONEXCAVATION

Our Schedules are fi lling up quickly.CALL TODAY FOR AN APPOINTMENT!

SENIORNEWS LINE

by Matilda Charles

SENIORS CRUSHED UNDER A MOUNTAIN

OF DEBT

A recent study called “The Plas-tic Safety Net” pegs those over age 65 as having the largest

increase in percentage of debt of all the age groups. That’s not a label we should be proud of, certainly.

How did this happen to us? There are real and compelling reasons for the way we’ve run up credit-card debt.

• Topping the list is medical-care costs. Co-pays for doctor visits, prescrip-tion costs, dental work that insurance doesn’t cover -- it all adds up. The study says that we have on average $4,000 in medical expenses on our credit cards.

• For many of us, the value of our homes has plunged. What we assumed would be a nest egg for our advanc-ing years has in many cases become an overpriced, under-valued albatross. When repairs are needed, we have to hire others.

• If we own a vehicle, car repairs can be very expensive. Outside of oil changes,

there’s not a single thing that can be re-paired inexpensively on a car.

• Our fi xed income is not enough to pay for everything we need, so we put pur-chases on credit cards.

• Our income is too large to qualify for any services or programs, but not large enough to cover our needs, so we use credit cards.

What can we do to help ourselves get out from under this mountain of debt many of us have? Here are some thoughts:

--Contact your credit-card company and ask for a smaller monthly payment or a reduced interest rate.

--Get credit counseling. Quite often, they can negotiate lower payments. (Ask for a referral from your local Council on Aging.)

--Consider cashing in an insurance pol-icy to pay off debt.

It won’t be easy to pay off credit-card debts, but we can do it, one dollar at a time.

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].


10

SNIPPETZ BUSINESS DIRECTORYTHE PLACE TO FIND LOCALBUSINESSES ON THE GO!

A PLUS PLATINUMCARPET AND TILE CARE

Steam truck mount extraction.$15 OFF SPECIAL!

719-440-9148or 719-339-2708

FLOORS

FINANCIALCOLORADO NATIONAL

BANK581 Hwy. 105719-488-4309

Your Key to Commercial andPersonal Banking

INSURANCEAMERICAN FAMILY INSURANCE

Larry E Stiltner Agency481 Hwy 105 Suite 212

719-481-8382 Bus.Monument, CO [email protected]

AUTOMOTIVE

MAXX POWER LLCSpecializing in

Diesel Performance(719) 488-0943

www.maxxpowertrucks.com

RICHARD PETERSON 719-481-1868R. Peterson Construction, LLC

Licensed & InsuredCustom Homes ✷ Detached

Garages ✷ Basement [email protected]

CONSTRUCTION HOME DECOR

MARGO’S ON THE ALLEY“For You and Your Home”

215 Chapala Plaza719-487-1406

www.margosonthealley.com

VILLA DECORPolish Pottery

Home & Garden Accents868 Hwy 105, Palmer Lake, CO 80133

Mon - Sat, 10AM - 6PMPhone: 719-481-1981

SPECIALIZED CARPENTRYLocal, Personal & Affordable. Remod-el your house or fi nish your basement. More than 25 years of experience in

fi ne carpentry, remodeling & construc-tion. Licensed, bonded & insured.In-house design and engineering.

For a FREE consultation/estimate call: 719-359-6855

REMODELING

TLC COMPUTER REPAIRSales and Service

PC Recycling Center303 B Hwy 105 / Monument

Across from the 7-11719-302-2937

COMPUTER

TWO TIMERS FINE CONSIGN“Smart, Savvy and Green”Women‘s and Children’s

Monument Plaza719-484-0300

www.twotimers.net

CONSIGNMENT

PET GROOMING

DIRTY DOG GROOMING481 Hwy 105 #206

Monument, COWe aim to rid this townof all them “Dirty Dogs.”

719-481-2968

COUNTRY CRITTERS UPTOWNGentle ProfessionalAll Breed Grooming

Serving The Tri-Lakes AreaWest End Center

719-481-0220MORTGAGE

1ST METROPOLITAN MORTGAGEJerry Case & Daniel Shepard

Owners of your local Sears Store. We are fully licensed on all of the following products, VA, FHA, conventional loans, Reverse Mortgages and we can help

with any and all mortgage needs.Call us today for a FREE credit report.

719-314-1320www.nostresshomeloans.com

HEATWAVESTANNING SALON

481 Hwy. 105 Ste. 210Monument, CO 80132

719-488-8884(behind Taco Bell)

TANNING

CYLINDER HEAD SERVICEValve Jobs

Seats • GuidesSurfacing

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

KARAOKESPOTLIGHTERS ENTERTAINMENT Hollywood-style Karaoke

We keep everything fun and make everyone sound like a pro with our professional sound system and mixing experience. We are avail-able for private parties, weddings, etc. or come check us out at PINZ everyThursday from 9pm - 1am

719-231-2946Email: [email protected]

REAL ESTATETINA PETERSON ABR-GRI-ePRO

Remax Advantage Realty719-460-7614

Are You Looking toBuy or Sell?

www.ColoradoHomesMarket.com

FENCINGLAW FENCE CO.

20 YRS experience building and repairing all types of fence

FREE ESTIMATES 719-520-5538

[email protected]

LANDSCAPING

COLORADO CUSTOM ROCK LANDSCAPING INC.Licensed and insured

Serving the Front Range area for over 30 yrs.Commercial & residential landscaping services

ccrlandscaping.comCall for a FREE Estimate! 719.598.6871

PAINTING

CertaPro PaintersResidential And Light-Commercial

Interiors, Exteriors And Decks(719) 475-1616www.certapro.com

Painting • Passion • Professionalism

ROOFING

CAMPBELL ROOFING INC.Serving Colorado Since 1984

Licensed and InsuredMember of BBB and Chamber430 Beacon Lite Rd., Ste 110

719-573-9395

PRIME ROOFING, INC.Your local Monument Roofer

24 Years of Experience working for youLicensed and InsuredMember of the BBB Call: 719-599-4020

ACCOUNTANT

THE WALSH COMPANY430 Beacon Lite Road #155 Monument 481-6555 - [email protected]

Individual and Business Tax Returns. Payroll, bookkeeping and fi nancial

statement accounting services.

ONE HANDSOME DUDEWhat can I say? When

you are a handsome dude, you’re a hand-

some dude! Please meet Denny. Denny is a one year old heeler mix. He got his name because someone abandoned him at a Den-ny’s Restaurant in Limon and was rescued by one of our volunteers. He is good with other dogs, cats and children.

Denny is neutered and looks as though his face was painted on! He truly is a handsome boy! His foster mom says that he can be shy but once he knows you, he’ll be right there for a tummy rub! He is not a large dog he is more on the side of a medium small. He may be around 25 pounds and we don’t think he will get any bigger. Den-ny has a lot of energy and wants to play and run!

There is also another picture of this handsome boy on our website saintanimalrescue.org

If you think you would like to bring Denny into your heart and home please call SAINT Animal Res-cue located in Calhan. Our phone number is 541-3099 but you might need to use the 719 area code. It is always a challenge when adopting

a new pet. SAINT Animal Rescue asks the adopter to give the animal a reasonable amount of time to ad-just to it’s new family and environ-ment. This is so very important to your new family member as well as your existing family members.

Please visit our website at saint-animalrescue.org and as always thank you for caring.

“When most of us talk to our dogs, we tend to forget they’re not peo-ple.” -Julia Glass

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

719-216-4421

Search Entire MLS: www.CoSpringsMLS.com

First Time Home Buyers!

Call me to find out how you canreceive up to $8000 from the

government just for buying a

Home before December ‘09!

Luxury Living in Woodmoor !6 Bedroom 4 Bath 3 Car Garage

Large Corner Lot; Incredible Views of

Pikes Peak from Master Bedroom! Walk

to Woodmoor Country Club; Gas Log

Frplc; Radiant Floor Heat; Crown

Molding; 6 Panel Solid Doors; Pella

Windows; Hardwood Floors; Granite

Countertops; Jetted Tub; Wet Bar; Hot

Tub; Auto Sprinklers

$540,000 www.19450indian.com

Tuscan Home in Wissler Ranch!5 Bedroom 5 Bath 3 Car Garage

3 Acres; Private Forest Setting; '98

Parade of Homes Winner; Huge Stone

Frplc Wall; 2 Story Wood Beam Clngs;

Butternut Woodwork; Granite & Stone

tile; Romantic Master Suite w/ Private

Sitting area & Frplc; Jetted Tub; Walk-

Out Bsmnt; Family Rm w/ Frplc & Wet

Bar; Workout Rm/ Theater; A/C; Alarm

$739,900 www.20175wissler.com

11

SNIPPETZ® LOCAL SCOOP / DINING GUIDE

www.eatatrosies.com

SERVINGBreakfast • Lunch • Dinner

PRIME RIBON FRIDAY NIGHTS

5PM - 9PM$ 10.99

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

YOU MAY HAVE

ROOF DAMAGEWe specialize in handling wind and

hail insurance claims and workwith ALL insurance companies

$250 OFFof COMPLETE

ROOF REPLACEMENT

Call Today for aFREE INSPECTION

(719) 375-8055

PYRAMIDROOFING

FROM HAIL OR WIND!

Licensed & Insured

• New Roofs

• Roof Repairs

• Gutters and Siding

• Residential and Commercial

Spotlight Community Theatre

Presents

“Its Sad, So Sad, When An Elf Goes Bad”

A Holiday Play In Pantomime

November 20, 2009 7:00 pm at

The Woodmoor Barn 1691 Woodmoor Drive

Monument

Actors Wanted! A series of workshops beginning Saturday October 10th will teach the art of mime and rehearse the cast for this play. The intergenerational cast will be composed of adults and young people. The October 10th workshop will be conducted by Michael Stansbery of the drama department of Pikes Peak Community College.

Call 488-0775 for details

www.spotlightcommunitytheatre.com

12

SNIPPETZ® DINING GUIDE

AVAILABLE FOR PRIVATEPARTIES AND CATERING

75 Hwy 105 Palmer Lake719-481-2222

Open Nightly at 4:30

La Zingara

Daily Specials

Sunday

“Sunday Supper”

Lasagna, Baked Ravioli,

Manicotti

$10.95

Monday

“Pick a Parmigiana”

Veal, Chicken or Eggplant

$9.95

Tuesday“Coupon Crazy”We will honor anyrestaurant’s valid couponWednesday“Man Vs. Food”All you can eat Lasagna$11.95Thursday“Thirsty 33 Thursday”1/3 OFFall bottled wine

PATIO NOW OPEN!

Casual Cuisinefor the Whole Family

A Second Cup

13860 Gleneagle Dr., Gleneagle

481-6446

www.asecondcup.netOpen 7 Days a Week

6:00am - 9:00pm

Enjoy our covered patio,with a beautiful view of Pikes Peak

COFFEE CUP CAFÉTEMPORARILY CLOSED

Due to fi re damage. It will be 3-6 months before we can reopen. Please support our other location, A Second Cup, and contin-ue to support other local Tri-Lakes busi-nesses while we work to reopen.

Thank you, Wendy & Jeremy Diggins

ALL YOU CAN EAT

CRABEVERY THURSDAY NIGHT

LIVE MUSIC EVERY SATURDAY NIGHT

CHECK OUR WEBSITE FOR DETAILS

OUR PATIO IS STILL OPEN!!

NOWCATERING!CATERING!CATERING!COME ON IN

AND WATCHTHE BRONCOSAND ROCKIES!

Jasmine GardenChinese Restaurant

25

105

Jackson Creek P

arkway

Cipriani Loop

N

S

Kno

llwoo

d D

r.

Open 6 Days a Week(Closed Mondays)

1425 Cipriani Loop, Monument, COTel: (719) 481-0769 •(719) 481-1845

Tuesday - Thursday: 11:00am - 9:00pmFriday & Saturday: 11:00am - 9:30pmSunday: 11:00am - 9:00pm

DINE-IN • TAKE-OUT

Delicious Traditional Chinese Food

Jasmine Garden is the perfect place if you are looking for high quality, healthy and tasty Chinese food without the high prices.

Our customers enjoy our food and service because we are friendly and prepare delicious Chinese dishes using only the best and most fresh ingredients, served in generous portions, so you can be sure to leave full and satisfied.

Stop in and try our delicious food. You can dine-in or take-out your food to enjoy it in your home or office.

LUNCH SPECIALS

Served with Soup, Egg Roll, Fried or Steamed Rice and Fortune Cookie

11:00AM - 3:00PM

Voted

“Best of the Springs”Colorado Springs Gazette

GOOD HOUSEKEEPING TWO

Cod and Vegetable Sauté

This colorful fi sh sauté is tasty and low-carb. Serve with brown rice to round out the meal.

1 pound cod fi llets2 small (about 6 ounces each) zucchini2 medium red peppers1 large onion1/2 pound large mushroomsSalad oilSalt

1. Cut cod, zucchini and red peppers into 1 1/2-inch chunks. Slice onion; cut each mushroom in half.

2. In nonstick 12-inch skillet over medium-high heat, in 2 tablespoons hot salad oil, cook cod fi llets with 1/4 teaspoon salt until browned on both sides and fi sh fl akes eas-ily when tested with a fork. Remove from skillet; keep warm.

3. In same skillet, in 2 more tablespoons hot salad oil, cook vegetables and 1/2 tea-spoon salt until vegetables are tender-crisp and lightly browned. Stir in 1/4 cup water; heat through. Spoon vegetable mixture onto platter; carefully tuck in cod. Garnish with parsley sprigs if you like. Serves 4.

• Each serving: About 265 calories, 15g to-tal fat, 49mg cholesterol, 465mg sodium.

(c) 2009 Hearst Communications, Inc.All rights reserved

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

“TRY OUR SPECIALSTUESDAY THROUGH

THURSDAY!”

Highway 105 & Primrose St.

Dine In or

TakeOut

Steaks ❁ Shrimp ❁ Chicken ❁ Burgers ❁ Burritos

Our Famous ReubensBINGO! Saturdays at 6:15

SENIORS EAT FREE Mon, Tue & Wed(buy one adult entree, get one senior meal free)

BREAKFAST SUNDAY 8:30-10:30amBiscuit & Gravy $1.95 ALL DAY Sunday

Sunday through Thursday 11:00 - 3:30Friday and Saturday 11:00 - 8:00

481-TOOT 8 6 6 8

488-3019or www.thewineseller.net

“Real Wine for Real People”Simply the best, most thoughtful selection

of wine under $20 anywhere.Check out our eclectic microbeer

and spirits selection too!

Public wine tastings held monthly.Sign up for our e-newsletter to find out when.

Located on Hwy 105between Palmer Lake & Monument.

Hours: Tuesday - Saturday 11am to 6pm.

Vino-BitsWine Appreciation

& Tasting Tips

brought to youby

Dirk atThe Wine Seller

PATRICIA’S CAFÉ

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

Bella Panini in Palmer Lake and Bayou BarBQ in Monument

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

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

Bratwurst • Soups • Chili

24 Hwy. 105 in Palmer Lake

HOURSTuesday through Sunday - 11:00AM - 8:30PM

Closed on Mondays!

Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

CAJUN & BARBQFare

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

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

Website: BAYOUBARBQ.COM

BAYOUBARBQ

WEDNESDAY IS CATFISH DAY!COME SEE GUITARIST MIGUEL NADAL PERFORM LIVE EVERY WEDNESDAY 6 TO 8PM

TEMPTING TEMPRANILLO

Tempranillo [temp-rah-NEE-yo] is Spain’s candidate for greatness. It gives wines deep color, low acidity, and only moderate alcohol. It is the dominant grape

in the red wines from Rioja and Ribera del Duero, two of Spain’s most important wine regions. In Rioja, Tem-pranillo is often blended with Garnacha, Mazuelo and a few other minor grapes. When made in a traditional style, Tempranillo can be garnet-hued, with fl avors of tea, brown sugar and vanilla. When made in a more modern style, it can display aromas and fl avors redolent of plums, tobacco and cassis, along with very dark color and substantial tan-nins.

ACORN SQUASH

1 ea Acorn Squash4 Tbs Butter½ c Brown Sugar½ c Chopped Walnuts½ tsp Pumpkin Pie Spice

1. Cut the squash in half and cut off just enough of the ends so that they will sit like a bowl.2. Remove the seeds and place in a baking pan. 3. Add half of the remaining ingredients to each of the halves of acorn squash.4. Bake for about 30 minutes at 3250F until golden brown.5. Serve hot.

I was never a big fan of most squashes but making it this way it is hard to pass up. If you get in a crunch for time you can al-

ways cook the squash in the microwave but you won’t get the caramelization that adds to the fl avor.

Try adding some marshmallows to the mixture to make the squash a little more decadent. For a lighter more healthy version that is lactose free you can use olive oil in place of the but-ter. Pecans can be used in place of the walnuts if you prefer and maple syrup can be used in place of the brown sugar.

Be creative, have fun and enjoy!!!

14

SNIPPETZ® CLASSIFIED / HEALTH

QualityImport Service

Specializing inSUBARU Repairs

719.488.6729707 County Line Rd.

Palmer Lake, CO

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SNIPPETZ®

CLASSIFIED6 LINES • Only $5 A Week

(minimum 5 weeks)

Call: 719-487-0484Snippetz

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

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

E-mail: [email protected]

or

Funder Enlightening, Inc.PO Box 789

Monument, CO 80132

Visa / Mastercard / Check

On 12 acres, 1 mile south west of Monument City Limits. Barn with power, water and locking tack room. Easy access to National Forest trails. Feeding twice daily in winter, once daily in summer. Winter $300/mo, Summer $200/mo. Call Rick: 481-6660

AFFORDABLEHORSE BOARDING

FREEDOM PATHWAYSHelping the path of others.

Housekeeping, doctor appointments, run errands, over night care,

meal planning. Local references.CPR Certifi ed & Med Certifi cation.

Call JoAnne at 719-494-8124

SUBARUS!

We specialize in used,reconditioned and current model

ROOMS for RENT

ROOM FOR RENTAll utilities and washer & dryer furnished. Month to month lease. Rent $375. No pets or smoking (or smoking pets!)

719-481-1361 or 719-488-0083

The place to turn for ShelterInsurance protection foryour auto, home, and life.

Michael D. Ahlers66 Second St. Ste. B P.O. Box 1212

Monument, CO 80132-1212(719) 481-2550 Cell: (719) 209-4534

www.shelterinsurance.com Seek Shelter Today!

SERVICES

HELP WANTED

LIKE NEW! 3br/2ba 1404 sq.ft. manufactured home on lge lot MM Park.New ref.& neutral carpet, cer.tile in kit,utility &entry.W/D, DW, 2 storage sheds. $44,500

Call owner 488-0986 to see!

FOR SALE

APARTMENTSfor RENT

GREAT DEAL!Included in Rent – All Utilities, High Speed Internet, Cable TV1300 sq foot 1 bedroom apart-ment – Private entrance and pa-tio, fi replace, large walk-in closet, storage room, new paint and car-pet. Non smoking. $950/month. Call 719-488-1466 for more infor-mation.

WE ARE LOOKING FORSOMEONE TO LIVE WITH US

RENT FREEand help us with some light house-keeping, meal preparation and some child transportation. The children are older, but our work and travel commit-ments can keep us from being able to juggle all the schedules. We have plenty of room and have had au pairs for years, but we don’t need anyone full time anymore. We primarily need help in the after school through dinner hours. We live in Monument. If you are interested, please call Jennifer or Bart at 719 487 2851.

HELP WANTED

HELP WANTEDHangers, Your Thrift Shop benefi tting Tri-Lakes Cares, is looking for Enthu-siastic and reliable volunteers to help customers and Inventory items for Saturdays and some p.m. weekdays.

Fun environment! Call Sandyat 488-2300 for more information.

APARTMENT FOR RENTAVAILABLE OCT 1

Beautiful, new self-contained 1-bedroom apt for rent in rural Monument - $700 - for more info at www.nyagregorfl eron.net/4rent.html#apt or call 719 487 3113

WOODMOOR CONDO FOR RENT

1800 s/f, one level! 3 bed/2 bath/1 car garage. Overlooks lake. 2 bal-conies, fi replace, vaulted ceilings, all applicanced included. N/S, N/P. $1175 p/month w/ 1st month dep. Avail Oct 1. Call 719.237.8842

IF YOU’RE NOTADVERTISING IN SNIPPETZ...

YOU MAY NOT BE ADVERTISING!

OWNER CARE - HORSE SPACEPrivate stall & small pasture, tack room and inside hay storage. Trail-er space available. For multiple horses @ $100ea/mo, Min. $300/mo plus Elec. in winter. Available now. North of Monument @ I-25 & County Line Rd. Lease required. 719-487-1327

25 Years Exp.Certifi ed Massage Therapist

Certifi ed ElectrologistLicensed Esthetician

Permanent Hair Removal, Skin Care, & Massage25 Years Exp.

Certifi ed Massage TherapistCertifi ed ElectrologistLicensed Esthetician

Permanent Hair Removal, Skin Care, & Massage

Marian Volk

3113 Gladiola Dr. • Colorado Springs, CO 80907 • (719) 634-7284

Healing TouchTherapeutic MassageRobyn Graham, LMT212 N. Washington St.Suite A, Monument719-216-4421

First time use only please

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Specializing in Deep Tissue Swedish Massage!

Healing TouchTherapeuticMassageRobyn Graham, LMT212 N. Washington St., Suite Ain the Chapala Bldg in Monument

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15

SNIPPETZ® HEALTH AND WELLNESS

Question: There are so many fat-burning products on the market—are they helpful or harmful?

Answer: There are numerous products on the market that contain thermogenic ingredients, or what most of us call “fat burners.” Ephedrine, yohimbine, green tea extract (EGCG), bitter orange (synephrine) and even caffeine are examples, and they basically work by stimulating the central nervous system. This increases your “fi ght or fl ight” responses, indirectly providing energy and allowing you to process calories at a faster rate. Along with these supposed benefi ts, there are also side effects associated with these ingredients, including increased blood pressure, heart rate and respiratory rate. Another potential issue is the fact that, individually, they don’t have a real dramatic effect. As a result, companies often combine several of these ingredients into one product and then sell it as an energy or health supplement. Unfortunately, we don’t know how any one of these stimulants will specifi cally affect you as an individual, let alone several of them combined together. So, despite the claims, your best bet is to pass on these ingredients and the products that contain them. Instead, focus on maximizing your training and nutrition, and speak to a Certifi ed Personal Trainer about losing body fat in the safest and most effective way possible.

Question: What should I eat or drink if I only have an hour before a workout?

Answer: What to eat before you exercise should be largely determined by timing and personal preference. Generally speaking, a large meal takes 4-5 hours to digest, a smaller meal takes 2-3 hours, and a large snack takes 1-2 hours. If you don’t digest food well enough prior to an activity, you can end up with a stomachache and cramping. This often occurs because blood (which plays a key role in digestion) is shunted to your arms and legs during activity, thereby slowing down the digestive process. Therefore, if you only have an hour to fuel yourself, it would probably be best to stick with a liquid carbohydrate/ protein shake. Liquids are

Fitness MattersAsk the Anytime Fitness Staff

Helpful answers to yourfi tness and wellness questions

By Dane Matthew

processed faster than solid foods and will provide the energy you need in a shorter timeframe. Keep in mind, we’re not talking about those ice cream-based shakes from fast food restaurants. We’re talking about a sports nutrition shake that is designed for active individuals and athletes. If you want something lighter, a traditional sports drink would be a viable option as well. There are a number of products on the market in each category, so do some taste-testing to see which ones work best for you.

Question: Do fad diets work?

Answer: In short, yes… and no. Most research shows that fad diets do work, and some of them do so quite well. The dictionary defi nes “diet” as a regimen of eating and drinking sparingly to reduce one’s weight, so if the latest fad diet doesn’t elicit some sort of weight loss, it clearly won’t survive out on the market for very long. The problem is that fad diets are short-term solutions to a long-term problem. They also tend to associate weight loss success with some gimmick when, in actuality, decreased calorie intake is usually the “real” reason for shedding the pounds. So fad diets are effective to a degree, but I don’t know too many people that like losing some weight, gaining it back, and then jumping over to the next fad to start the process all over again. The way to lose weight and keep it off is through persistent behavior modifi cation and lifestyle change. If you can make this type of commitment, you’ll be able to leave the fad diet books on the store shelves where they belong. Being fi t and in shape is all about commitment...if you are ready to commit yourself to a healthier you, stop by the Anytime Fitness Center in Monument and talk to one of the staff about becoming a member.

About the author:Dane Matthew isthe club owner at

Anytime Fitness in Monument.

To submit a question for future articles, please contact the author at:

[email protected].

DON’T JUST WATCH THE “BIGGEST

LOSER” SERIES,BE PART OF IT!

START YOUR FITNESS AND WEIGHT LOSS PROGRAM TODAY AT ANYTIME FITNESS AND SEE IF YOU CAN LOSE

AS MUCH AS THE TELEVISION SHOW PARTICIPANTS.

Don’t wait...Enroll before October fi rst and we will give you

an initial facility orientationwith a Certifi ed Personal Trainerand two months FREE!

MAKE BEING FIT AND HEALTHY YOUR REALITY!Anytime Fitness is a 24-hour, coed fi tness and tanning facility,

offering a convenient location and state of the artfi tness equipment in a non-intimidating environment.

Stop by Anytime Fitness at1737 Lake Woodmoor Dr, Monument, CO.

or call (719) 487-1979 for more information.

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

Heather F. Fink, 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:

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550 Highway 105Monument, CO 80132Wednesday Afternoons

At the Medical Centernext to Safeway

$10 OFFFIRST MASSAGE

Coupon must be presentedat time of service Expires 10/1/09

Cathy R. Deschaine RMT, CNMT

• Medical Massage• P.U.S.H. Therapy• Pregnancy Massage• Couples Massage

Gift Certifi cates Available

1770 Deer Creek Rd. (CSHP Building) Suite 102 • Monument • 719-243-2860

“IF YOU HAVE ISSUES IN YOUR TISSUES,YOU NEED SOME STONES ON THOSE BONES”

Over 8 years experience

16


Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. TELEVISION: What was the open-ing theme song from the comedy variety show “Sonny & Cher”?

2. MOVIES: What was the name of the scene-stealing cat in the movie “Bell, Book and Candle”?

3. MEDICAL: What is the more common diagnosis for rhinor-rhea?

4. GEOGRAPHY: What are the names of the four U.S. states whose corner borders meet in one point?

5. COMICS: What is the name of Snoopy’s bird friend in “Peanuts”?

6. LITERATURE: Who wrote “The Maltese Falcon”?

7. PERSONALITIES: What is the size of basketball star Shaquille O’Neal’s shoes?

8. INVENTIONS: In what year was Velcro invented?

9. AD SLOGANS: What cereal is known as the “Breakfast of Cham-pions”?

10. GENERAL KNOWLEDGE: What was the name of the car driven by Speed Racer?

1. When Atlanta’s Chipper Jones won the National League batting title with a .364 average in 2008, it was the highest average to win an N.L. title since when?

2. Detroit’s Miguel Cabrera captured the American League home run title in 2008 with 37, the lowest total to win the A.L. homer title since when?

3. Who holds the Pittsburgh Steeler record for most TD passes in a sea-son?

4. Which conference won the most NCAA men’s Division I basketball championships from 2000 through 2009?

5. Steve Yzerman won three Stan-ley Cups with the Detroit Red Wings. When was the last one?

6. Which two bowlers hold the mark for being named PBA Player of the Year the most times?

7. Name the only trainer to win a Tri-ple Crown in a single year using differ-ent horses.


SNIPPETZ® PUZZLES AND TRIVIA

1. What year did The Elegants have their No. 1 hit? Name the song.2. Name Paul Mauriat’s 1968 hit. (Hint: It was an instru-mental.)3. Which instrument did Herb Alpert play? What was the whole name of his group?4. The original version of “War” was about which war? Name the year and the artist. 5. How many parts are there to “Another Brick in the Wall,” and what was the name of the group?6. What is the song “Nine to Five” about? (Hint: The singer also starred in the movie by the same name.)

New DVD Releases forWeek of October 5, 2009

PICKS OF THE WEEK

“Snow White and the Seven Dwarfs” -- Released in 1937, “Snow White and the Seven Dwarfs” was the fi rst feature-length animated fi lm. The mixture of comedy, melodrama and musical num-bers has served as a formula for virtually every Disney animated fi lm for nearly

three-quarters of a century.

Since we all know the story, let’s get to the nitty-gritty: the packaging. This re-lease comes in a wide variety of pack-ages. You can get just the two-disc set for about $25 -- which includes the fi lm and a bunch of archival material. There also is a three-disc set that comes in a box that looks like the one the evil queen gives to the woodsman to bring back Snow White’s heart. This edition also includes picture cards of all the dwarfs, and a mas-sive hard-bound book fi lled with archival pictures for about $150. And fi nally, you can get the two-disc set in a nifty hat-bag-shaped tote fi lled with plush dolls of all the dwarfs for about $80.

“Anvil: The Story of Anvil” -- This is a great little documentary about a Canadian

metal band that’s funny, heart-breaking, and yes ... heartwarming. Anvil started out in the ‘80s during metal’s heyday. And while the band opened for some top acts and released a couple of decent al-bums, because of mismanagement and a host of other unfortunate Spinal-Tapish turns, the band just couldn’t quite crack the leather ceiling to become Rock Gods. Now, 20 years later, Anvil still hasn’t giv-en up and is trying once again to make it in the business. And since you’ve never heard of these guys, I guess you know how this movie ends.

“How To Be A Man/How To Be A Wom-an” -- These are two separate DVD re-leases, but are essentially the same thing. Both are collections of educational shorts from the 1940s through the 1980s in-structing our nation’s youth on how to be

proper examples of their respective gen-ders. From sex education and hygiene to how to make a sandwich, these fi lms are pure comedy gold.

TV SERIES

“Ken Burns: National Parks -- America’s Best Idea”

“Ally McBeal” The Complete Series “Stargate Atlantis”

The Complete Series Collection “Red Dwarf: Back to Earth”

“Bones” The Complete Fourth Season “Nip/Tuck” Season 5, Part 2

“Medium” The Complete Fifth Season “The Mary Tyler Moore Show”

The Complete Fifth Season


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


17

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions OCTOBER 5, 2009

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. The group’s only hit (1958) was “Little Star.” They still perform, mostly in the New York area.2. “Love Is Blue” started out as a song with lyrics for a contest in Europe. Mauriat’s instrumental version climbed to the top of the U.S. charts.3. Alpert played trumpet. His group was Herb Alpert and The Tijuana Brass.4. “War” was a Vietnam anti-war song by Edwin Starr in 1970.5. “Brick” by Pink Floyd was composed of three individual songs.6. “Nine to Five” is a fantasy about having a dull, tedious job and getting even with the boss. Sing-er Dolly Parton starred with Jane Fonda and Lily Tomlin.

1. “The Beat Goes On”2. Pyewacket

3. Runny nose4. Colorado, Arizona, Utah and New Mexico

5. Woodstock6. Dashiell Hammett

7. 238. 1941

9. Wheaties10. Mach 5

1. San Francisco’s Barry Bonds hit .370 in 2002.2. Fred McGriff had 36 homers for Toronto in 1989.3. Ben Roethlisberger tossed 32 TD passes in 2007.4. The ACC, with four (Duke in 2001, Maryland in ‘02, North Carolina in ‘05 and ‘09).5. It was the 2001-02 season.6. Earl Anthony and Walter Ray Williams Jr., with six each.7. D. Wayne Lukas in 1995 with Thunder Gulch (Ken-tucky Derby, Belmont) and Timber Country (Preak-ness).

ARIES (March 21 to April 19) An upcom-ing trip could create some problems with your schedule unless you tie up as many loose ends as possible before you head out the door. Ask a friend or colleague to help you.

TAURUS (April 20 to May 20) Being ea-ger to start a new project is fi ne. However, moving ahead without knowing what actu-ally will be expected of you could cause a problem down the line. Ask some ques-tions.

GEMINI (May 21 to June 20) Getting through some recent challenges in good shape might give you a false sense of secu-rity. Don’t relax your guard. You need to be prepared for what else could happen.

CANCER (June 21 to July 22) Caution is still advised, even though you think you’re as prepared as you need to be. Keep in mind that change is in your aspect, and you should expect the unexpected.

LEO (July 23 to August 22) The Lion’s gift of persuasion helps you get your points across, even to some of your most negative naysayers. An old friend might seek you out for some advice.

VIRGO (August 23 to September 22) Be-ing sure of your convictions is fi ne. But leave some room for dissenting opinions. You might learn something that could help you avoid a possible problem later on.

LIBRA (September 23 to October 22) Get-ting good legal advice on what your rights actually are is the fi rst step toward resolv-ing that pesky problem so that it doesn’t re-emerge at a later date. Good luck.

SCORPIO (October 23 to November 21) Longtime relationships work well this week, whether they’re personal or profes-sional. It’s also a good time to invite new friends and colleagues into your life.

SAGITTARIUS (November 22 to De-cember 21) This is a good week to do the research that will help you uncover those irrefutable facts that can back you up on your new venture when you most need it.

CAPRICORN (December 22 to January 19) Change is an important factor in your aspect this week and could affect some-thing you might have thought was immune to any sort of adjustment or “alteration.”

AQUARIUS (January 20 to February 18) Being asked to share someone’s deeply personal confi dence might be fl attering, but accepting could be unwise. Decline gracefully but fi rmly.

PISCES (February 19 to March 20) As wise as you are, you could still be misled by someone who seems to be sincere but might not be. Take more time to assess the situation before making any commitments.

BORN THIS WEEK: You like to face challenges that others might try to avoid, and by so doing, you set an example of courage for all.


18

SNIPPETZ® BUSINESS AND FINANCE

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

PUT THESE ESTATE PLANNING MOVES

TO WORKProvided by Adam Grayson

of EdwardJones Investments

Like everyone else, you want to leave a legacy. To make it happen, though, you need to do some estate

planning. For most of us, that sounds like a scary task, but it doesn’t have to be — as long as you break it down into a few key moves.

Here, in a nutshell, are some of the broad-based moves you’ll want to consider:

Communicate your wishes. When drawing up your estate plan, you can’t leave anything to chance — so you need to communicate your wishes in writing. This means you need to draw up the appropriate legal documents, such as a will and a living trust. If you die intestate (without a will), your belongings will be distributed to your “heirs” as defi ned by state laws — and these distributions may not be at all what you had in mind. If you want to avoid probate and possibly draw up more complex instructions —, for instance, leaving different amounts of money to different heirs at different points in their lives — you may also need to create a trust.

Protect your family. When you hear the words “estate planning,” your fi rst thoughts may be of what you can leave behind to grown children, grandchildren and even great-grandchildren. But if you develop your estate plan while your children are young — and you certainly should — you should name a guardian for them in case both you and your spouse were to die prematurely. Of course, you’ll also need to consider having the right type and amount of life insurance for survivor

income and loan repayments.

Position your investments to benefi t your heirs. You can arrange for some of your investments to provide signifi cant benefi ts to your heirs. For example, you can stretch your IRA to extend the key benefi t of IRAs — tax-deferred earnings — over a period of several years. You should also make sure you’ve updated benefi ciary designations on various accounts, such as annuities and 401(k) plans, to make sure the assets go to the right people. These designations are very important, as they can supersede even the instructions in your will.

Protect against incapacity. None of us can predict the shape of our physical and mental well-being in the years to come. But to protect your family, you’ll certainly want to be prepared for everything. That’s why you’ll want to make the appropriate arrangements, such as establishing a power of attorney and health care directive, while you’re still healthy. These types of documents will empower family members, or other people close to you, to take the necessary steps to carry out your wishes even if you become incapacitated. As with other aspects of your estate plan, however, you’ll want to review these arrangements periodically to make sure they still refl ect your current thinking.

To make any of these moves — in fact, to make any moves at all related to estate planning — you’ll need to work with a team of professionals, including your tax, legal and fi nancial advisors. Comprehensive estate planning can be complex and time-consuming — but it’s worth the effort.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones does not provide tax or legal advice.

I’m saving $240 a year just by adding insula on. What can you do? Find out how the li le changes add up at TogetherWeSave.com.

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Join us for a free seminar on How toRaise a Money-Smart Child

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During our How to Raise a Money-Smart Child seminar, you’ll

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A PIGGY BANKIS JUST THE FIRST STEP.

Date:Time:Location:

R.S.V.P.:

Adam R GraysonFinancial Advisor.

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

October 27, 2009

6:00 P.M.

BELLA PANINI RESTAURANT - PalmerLake, CO

by October 25, 2009 to Kathy Williams481-4964

Dinner will be served.

IT’S TIME TO MAKE THE WORLD

A BETTER PLACE TO DRIVE.

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

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

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

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

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19

SNIPPETZ® BUSINESS AND FINANCE

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

❖ Transactional (Contract) Services

Lisa Welch StevensAttorney at Law, P.C.

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

District of Colorado

Member: Colorado & El Paso County Bar Association

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

Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200Colorado Springs,

CO 80921

(719)488-9395

DIVORCE / FAMILYLAW

Experienced - AffordableConvenient

Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

THE LAWACCORDINGTO STEVENS

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

BUSINESS CONTRACTS:

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

When entering into an agreement, the surest way to avoid disputes is to put

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

Obviously, the ideal situation is to have an attorney draft the contract, tailored to your situation. However, not all small business people want to do that. There are form agreements available in business supply stores, over the Internet, in form books, etc. You can try adapting such forms to your situation. However, it is important to

be careful: not all form agreements comply with Colorado law, and not all forms are well-drafted. You can also write up your agreement yourself; something is better than nothing.

As a checklist, here are some provisions that should be included:

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

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

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

Representing Colorado Businessesand Business Owners

719.488.9395

Article by Robyn GrahamKeller Williams

Real Estate, LLC

Preparing for the Fall Season, Part 3Roof, Gutter, Downspout and Vent

Maintenance ChecklistBefore the weather grows colder it's important to prepare

for the winter months to prevent costly damage.

drainage problem.Clean leaves from eaves,

troughs, gutters, downspoutsand roof throughout the fallseason. (Neglected gutterscan lead to wood rot problemsand pest infestations, not tomention ruined gutters.)

Test downspouts with ahose to ensure properdrainage from the roof.

Be sure water is not com-ing down behind gutters andthat all support brackets aresecurely in place.

Be sure downspouts drainaway from the house and thatwater drains properly anddoesn't pool. (Pooling cancause damage to foundations,driveways, and walkways.)

An easy fix for leaf-filledgutters is the gutter screen. Byinstalling the screens over thegutters they will be free andclear of debris.

ATTICS AND VENTS

Make sure ridge vents andeave vents (intake andexhaust) are not blocked bysnow and are free of plantsand debris.

If there is no ridge vent,keep gable vents open year-

LIBRARY OF ALLPAST ARTICLES:

www.SpringsRealtyTalk.com

For further information, please feel free to call

Robyn Graham at Keller Williams Real Estate

719-216-4421 or [email protected]

round to ensure proper venti-lation.

Be sure attic insulationdoesn't cover vents in theeaves to prevent winter icedams on the roof.

Check bird and rodentscreens for attic vents to pre-vent any unwanted guests.

The winter season willattract all kinds of critters whoare also looking for a cozyspot to keep warm.

Make sure all exterior ventsare screened, and that thereare no gaps underneathgarage doors.

Pet doors are anotherfavorite access point forrodents.

Clean the outside dryervent and make sure it is alsoscreened to keep the rodentsout.

roofer to inspect your roof.Look for broken or missing

shingles, missing or damagedflashing and seals around ventpipes, skylights and chimneys,and damage to boards alongthe eaves.

GUTTERS AND DOWNSPOUTS

Throughout the winter,check roof and gutters for icedams or icicles. This is a trueindicator that there is a

ROOF

Whether your home has awood shake, tile or composi-tion shingle roof it is veryimportant that you do a visualinspection of your roof andchimney before winter hits.

Roof inspectors alwaysadvises not to walk on theroof by yourself, whatever thematerial is. For safety of your-self and the shingles, I sug-gest that you hire a licensed

202020

SNIPPETZ® NEW HOMES

IT’S ONLY A BUYERS MARKET

Stiltner Realty And MasterBilt Homes Offer A Home Buying Experience Unlike Any Other You’ve Ever Experienced

Stiltner Realty For All

Your Real Estate Services

…Buy or Sell new or existing homes

… Foreclosures or bank owned homes

IF YOU BUY!

MasterBilt Homes, Inc. For Your

New Custom Home From The Upper $200s

… New Build, Remodel and Basement Finishes

… Build a new custom home on one of our homesites or your own

… Buy out programs available

... Ask about our 6 month payment guarantee program

… Be sure to ask about the MasterBilt Stimulus Package

THE SANCTUARY AT GREENLAND PRESERVE 1053 Greenland Forest Drive

719.481.1129 features.... • 4,501 s.f. total (4,391 s.f. fi nished) • 5 bedrooms / 4-1/2 baths / 3 car garage • large gourmet kitchen with slab - granite countertops and GE Profi le stainless steel appliances • hand-trowelled textured walls • extensive hardwood fl oors • large master suite with custom 5 piece bath • over 3/4 acre treed homesite • district 38 schools

THE TREASURE FALLSat GREENLAND PRESERVE1133 Greenland Forest Dr.

719.481.1129 features.... • 3,775 total square feet • Ranch with 2 bedroom, 2 baths, oversized 3 car garage • Large gourmet kitchen with granite countertops, custom tile, and hardwood fl oors • Stucco exterior with trex front and rear decks • Walkout half acre homesite • Act now and pick your colors and interior options

• large master suite with custom 5 piece bath

Visit us atwww.masterbilt.com

or call719.964.3526

JOLLY PLUMBING& HEATING, INC.

FIRST RATEELECTRICAL SERVICES, INC.

tour of open homes

email:[email protected]

USE OUR FINE TRADE PARTNERS FOR YOUR CONSTRUCTION AND REMODELING NEEDS

$600,000

$450,000

snippetz issue 414

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