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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

short story contest

Short Story Contest Winner

Revenge, a Dish Best Served with Melted Cheese by Joshua Dillon

Following her last break up, Stephanie hesitantly allowed her friends to arrange a blind date for her. After nearly three agonizing hours spent listening to an insurance salesman describe his belief that only through mind numbing tedium can absolute pleasure be arrived at, she decides to instead search for a suitable mate by hazarding random bars. However, no one quite fits the part, and all she gains from her efforts are the occasional hangover and a mounting bar tab. Convinced that she will likely die alone, Stephanie moves on in her life by picking up more hours at work, and adopting an adorable Russell Terrier.

She begins to look around the establishment, quickly realizing why the hostess had given her a funny look. There are couples everywhere, staring into each other’s eyes, which gleam in the flickering candlelight. And here she is by herself, all alone, with nothing but the scattered rose petals beneath her feet to keep her company. It is apparent that she has chosen a very romantic restaurant for her place to dine. As if being alone weren’t bad enough, now she must watch these others perform the various motions of their idiotic mating rituals. She sighs, inwardly debating whether to stay or go.

Just then, a voice asks her if she’d like to sample the wine Stephanie is the managing editor at a local magazine of the day. Stephanie is just about to order a shot of gin, company. Now convinced that her work will be her only when she looks up to see an extremely attractive young significant other, Stephanie begins to explore ways to waiter sitting adjacent to her. substitute companionship with objects that are more He looks at her and smiles the most gorgeous smile easily obtained and, she thinks, considerably more reliStephanie has seen since her ex-boyfriend Josh. She able. Being the successful, fashionable person she is, smiles back and, changing her mind she decides to splurge on herself by about the gin, lest she seem both lonevisiting Manitou Springs for a shopping There are couples evly and alcoholic, she asks what kind of rampage. After all, if she is doomed to erywhere, staring into wine they have for today’s special. being someday found having choked to death alone in her apartment, she each other’s eyes, every “It’s a sweet white wine,” the waiter might as well be found wearing amazresponds jocosely. “Would you care for last eyeball gleaming ing shoes. a taste?” in the flickering canAfter having purchased an assortStephanie nods as he pours her a few ment of pumps, slips and earrings, she dlelight. And here she sips. After sampling it, she asks for a begins to notice exhaustion setting in. full glass. Then, changing her mind, is by herself, all alone, Just as she feels as though she’s about she asks for the bottle. to drop, she happens upon a cute with nothing but the restaurant called the Mona Lisa. Feel“Very well,” replies the waiter, with a ing spontaneous and quite hungry, she scattered rose petals gleam in his eyes. decides to try it out. beneath her feet to Stephanie waits until the young man is keep her company. Upon entering the restaurant, Stephafinished pouring her glass before she nie notices that the décor is far nicer asks for his name. than she’d anticipated. The hostess greets her and asks how many are in her party. “It’s David,” he responds. He politely excuses himself, giving her an opportunity to look over the menu. Everything “Oh, it’s just one,” she replies. looks delicious, and she has trouble deciding between the vegetarian entrée, the seafood entrée platter, or The hostess gives her a once over look and directs her to something called a “flaming turtle,” which advertises the smallest table in the restaurant, a small round table itself as “creamy milk chocolate, swirled with caramel, that had obviously been decorated in such a way as to induce heightened intimacy. It is covered with rose petals topped with walnuts and served flaming tableside.” How intriguing, she thinks. scattered beneath two long wax candles. The hostess beckons her to sit while simultaneously gathering up the candles and absconding with them. Once the hostess leaves, Stephanie sighs, and with a few sweeping gestures, brushes the rose petals to the floor.

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“Is it just you today?” David asks when he returns to take her order. Stephanie sighs.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

David smiles at her and says, “Don’t worry, I’ll try to make your experience a good one nevertheless.” Stephanie orders the flaming turtle. David hurries off to get her order in, while Stephanie relaxes and looks around the room, admiring the décor. Just then, she hears a couple entering the restaurant. She recognizes one of the voices and tries to see around the hostess to get a better look. Once the hostess goes back to her station, Stephanie realizes it is her ex-boyfriend Greg. And with another woman! She hides her face behind the menu, sneaking glances to confirm it is really he. Trying not to freak out, she retreats from her seat and finds the nearest place to hide, which turns out to be behind the kitchen door. She peeks out trying to get a better look at the two. What she sees sends shivers through her body. Josh is smiling, and his attractive companion is laughing. Stephanie scowls. Just then she hears a voice from behind her. “Either you have a fear of couples, or that guy out there is something of an old boyfriend?” Stephanie whirls around to see David standing behind her; he must have witnessed the whole thing. Stephanie blushes and nods. Just then, a wonderful thought occurs to her.

“That man,” she whispers into David’s ear, “Is a terrible human being. I happen to know for a fact that he cheated on his ex-wife with that young woman, and even while the ex-wife was fighting stomach cancer. And then he left her! What sort of monster would do such thing? He even tried cheating on that other woman with me! But I caught him.” “That’s horrible,” David says. Then, raising an eyebrow, he says, “Don’t worry. I suspect he won’t be enjoying his meal very much.” He asks if she would like to return to her seat. As David opens the door for Stephanie’s unceremonious exit from the kitchen, a loud thud comes from the other side. Rushing out, they look behind the door, which is partially blocked by Greg, who is just now sprawled on the floor, groaning. Stephanie gasps and looks at David, who grabs Stephanie’s hand and quickly returns her to her table. Stephanie sits down. She feels a little bad about telling all those lies to the waiter, but still she can’t help laughing quietly to herself as she takes a sip of her wine. Out of the corner of her eye, she spies Greg hobbling in her direction. She looks away hoping that he doesn’t notice her, but her heart sinks when she hears him say her name. Continued on pg. 6

short story contest

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

short story contest

She looks up and feigns a smile. His raised eyebrows are fixed in an expression of surprise as he asks her how things are going. “They’re going fantastic,” she replies, with a little too much enthusiasm. “How’s your new squeeze?” Josh looks down, rubbing the back of his neck. “Oh, her? Yeah, she’s a nurse,” he says boastfully. Stephanie is puzzled by this response. Hiding her confusion, she smiles sarcastically. “It’s a good thing, too. I can see there’s something wrong with your leg.” Remembering what happened, Greg rubs his leg, claiming to have bumped it into the bathroom sink. Before Stephanie can respond, David reappears with her first course, a heavenly aroma wafting over the awkward pair at the table. “Here you are, beautiful.” He carefully transfers the fondue pot from the tray to the table. Greg is still standing there, fidgeting with his shirtsleeve. He smiles uncomfortably and excuses himself, returning to his date. Stephanie samples the fondue and, finding it delicious, she begins to dig in. Enraptured as she is in savoring the smooth, milky chocolate, she nearly forgets all about Greg.

“And how are you enjoying your meal?” he asks. “It’s perfect!” she replies, proceeding to enjoy the rest of her food. By the time the last tender strawberry had been dipped into the smooth chocolate, she finds herself in the best mood she’s felt since the breakup. Rising from her seat, she places a few large bills on the table for a tip. Joshua Dillon holds a Bachelor of Arts degree in Creative Writing from Boise State University. He graduated from George Washington University with a Master of Professional Studies degree in Publishing in 2009. He recently returned to the United States from Kazakhstan, where he taught English and Literature for the Peace Corps. He is a freelance writer currently residing in the Washington, DC-Metropolitan area. To contact the author, email design1@markettreasury.com. We will forward your message to Mr. Dillon.

Want to be published?

A few moments later, however, her attention is again drawn to her ex-boyfriend as David approaches Greg’s table. She hears Greg ordering the couple’s special and a cheap bottle of wine. The look on his date’s face clearly indicates that she is not impressed. Stephanie smirks, remembering the ironic nickname she had given him, “Moneybags McGee.” David soon returns with the wine. He looks over at Stephanie, winking as he pours the young woman’s glass, and then misses the mark, spilling the cheap wine on the Greg’s sleeve. “Are you blind, man?” Greg explodes, rising in fury. David apologizes profusely and leaves. Stephanie turns her attention back to her meal. After awhile, David returns to Greg’s table with the couple’s first course. Stephanie watches with interest as he places the food before them, and while turning toward the kitchen, bumps the arm of Greg’s chair. Greg is at that moment reaching in for some fondue. The bump causes hot cheese to spill all over his hand. Screaming in pain, he tries to shake it off, splashing tiny lumps of hot cheese into his date’s hair and all over her chest. She shrieks, blurts out a few choice four-letter words, and gets up to leave. By now, Stephanie is thoroughly enjoying her meal. She smiles when David casually wanders over to her table, a whimsical grin on his face.

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Enter our next short story contest, sponsored by Otho’s Cookies and Brownies. The winning story will be published in our next magazine! Here are the rules: Write a story between 1,000 and 1,500 words about an event, meeting or party that features Otho’s Cookies and Brownies as the main refreshments. The event or location can be whatever you wish. The genre can be mystery, comedy, drama, sci-fi, etc., as long as it is completely original fiction and meets the requirements listed above. This is a family-oriented publication, so please keep it clean! Stories are judged based on originality, creativity, technical skill and adherence to the subject parameters. Stories that include plagiarized material, profanity, adult themes (drug use, sex, violence, etc.), or do not follow the guidelines for subject matter will not be considered. Market Treasury staff will choose three finalists. The winning entry will be chosen by Otho’s Cookies and Brownies. Must be 17 or older to enter. Submit no more than 1 entry to design1@markettreasury.com. Deadline for submissions is February 29, 2012. The winner will be notified by March 7, 2012.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

special interest

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

restaurant guide

Kathy’s Kitchen 238 W. Bartholomew Rd 719-870-9991 | kathyskitchen.com

The Health Nut 1487 E. Captain Blvd | 719-504-7132 It’s not always easy to eat healthy when you want to treat yourself, but The Health Nut manages to make low-fat, low-carb food that you will actually crave. Founded and owned by a certified nutritionist with a passion for flavor, Jake Hampton takes his love of fitness and infuses salads (one of which is pictured to the left), soups, sandwiches and desserts with fruits and vegetables packed with antioxidants and prepared to perfection. The menu is heavily but not exclusively vegetarian, and meat lovers will find redemption in Hampton’s original recipe veggie burger, which fooled 8 out of 10 blind taste testers when compared to a gourmet beef hamburger.

Kathy’s Kitchen has become a Colorado Springs’ institution, serving up an eclectic menu of foods from around the world. Award-winning master chef Kathy Goodman is adept at creating ethnically diverse meals that somehow manage to appeal to even the pickiest eaters, like your 8-year-old. Kids and adults will all enjoy Mediterranean dishes like lamb kabobs in yogurt sauce. Offerings from Thailand, France, Mexico and the good ol’ American deep South are equally delicious. Gone are the days of squeals of “Ewww! What’s this?” and demands for PB&Js. Food: Eclectic • Price: $$$ • Decor: Eclectic

Food: Healthy • Price: $$$$ • Decor: Colorado Chic

Dingus Burger | dingusburger.com 12 Seely ave. | 719-488-5340

Her Majesty’s Restaurant 188 N. Kings st. | 719-621-1300

Euro Gyro | The-Euro-Gyro.com 7190 N. Fork st. | 719-287-4334

When you first walk into Dingus Burger, the first thing you see is a wall covered in photos of customers experiencing mild gastric phenomena. No, it’s not food poisoning; it’s the Septuple Stacker. Weighing in at an impressive (and artery-clogging) 5.4 pounds, it is billed as the heaviest hamburger in the Springs. Finishing this sandwich is indeed a feat of strength and fortitude. For diners less inclined to require a wheelbarrow to exit the establishment, Dingus Burger also offers quarter- and third-lb. burgers, tator tots and 27 different flavors of milkshake, all consisting of home-made old-fashioned ice cream.

Great Britain is not known for having Great Food, but if the Brits were to take a cue from Her Majesty’s Restaurant, that might very well change. Taking inspiration from traditional English fare, Chef John Burns reinterprets the classics such as bangers and mash, shepherd’s pie and kidney pudding, updating the ingredients and preparation with subtle spices, flavorful meats and fresh, locally grown produce. The result is a fusion of hearty food with a gourmet twist that even the Queen would fancy. Be sure to try Chef Burns’ original signature dishes as well, especially his amazing Dutch chocolate volcano cake.

Looking for a tasty alternative to your regular, boring sandwich? Try Euro Gyro (pronounced yer-oh). With fresh ingredients, artisan pita breads, authentic Mediterranean spices and ala carte ordering, you can create whatever you crave or order off the menu from the most popular selections. Employees occasionally choose unique and tasty customer combinations to add to the menu, naming them for the customer. The restaurant features bistro-style seating and a large sunroom with additional seating and stove heaters so you can pretend you’re vacationing in the Riviera even on the coldest Colorado days.

Food: Don’t tell your doctor • Price: $$ • Decor: Casual

Food: English • Price: $$$$ • Decor: Country Manor Reservations recommended.

Food: Gyro • Price: $$ • Decor: Mediterranean

dining of the gods 8500 w. garden of the gods rd 719-870-9991 | diningofthegods.com

Tasty Place | tastyplaceeats.com Chapel Hills Mall | 719-770-5518

If you have a craving for those delicious and filling dinners Grandma used to make, Dining of the Gods is a nostalgic even-betterthan-you-remember-it experience. This cozy establishment tucked away in the shadow of Garden of the Gods boasts an intimate atmosphere, familiar ambiance and a menu packed with comfort foods. From the dinnerplate sized honey-battered scones topped with fresh berries and whipped cream, to the tender baked macaroni and cheese with chicken, every entree may not be light, but it is sure to delight.

Tasty Place is one of the newest additions to the Chapel Hills Mall food court, and it is quickly becoming a mecca for teenage shoppers. Combining the best offerings from its neighboring eateries, Tasty Place puts a unique spin on food court classics, such as a Citrus Julia, a smooth blend of frozen yogurt, flavored syrups and fresh fruit. We recommend trying the Wrestle Pretzel, a huge, salty treat made from twisting two pieces of dough into a knot that would confound even the most adept Boy Scout. With its teen-friendly pricing, it’s no wonder Tasty Place is rapidly gaining popularity with the adolescent set.

Food: Comfort • Price: $$ • Decor: Americana

Food: Junk • Price: $ • Decor: Mall Chic

The sailor’s delight 154 N. Barber St. | 719-860-9217

Sundae Heaven | heavenlysundaes.com 91 Snow Blanket Dr | 719-321-1900

It takes only a taste of the fare at The Sailor’s Delight to forget that you’re in a land-locked state. Serving up salmon, halibut, and Maine lobsters that are inexplicably fresh considering Maine is thousands of miles away, master chef Susan Warner puts as much care into presentation as she does the meal preparation. Each dish arrives looking like a work of art, paired with just the right wine for a truly elegant dining experience. The decor is as upscale as the menu, so dress appropriately in evening wear and tie. The Sailor’s Delight is open only for dinner; reservations required.

If you miss the days of old-fashioned soda shoppes, prepare yourself for a blast from the past, brought to you by Sundae Heaven. Serving up homemade hard-packed ice cream in flavors like Bubblegum, Pop Rocks, Chocolate Mudslide and 13 more, Sundae Heaven also features old-fashioned soda floats, malts, vanilla Coke and penny candy. The fifties theme of decor is done with vintage items from that wholesome decade. The fun atmosphere is enhanced by a juke box that plays only music from the day, waiters dressed like the Fonz and waitresses in poodle skirts and bobbie socks. This is the perfect family-friendly spot.

Food: Seafood • Price: $$$$$ • Decor: Trés elegante Reservations required.

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Food: Fifties Diner • Price: $ • Decor: Vintage 50s

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Authentic Mexican Food Meets the American Dream by Elizabeth Behnke

3 Margaritas Restaurant is said to be an example of the immigrant dream: to find out who you are in a new land, achieve financial success, and then return home to help less fortunate friends and family. With these ideals in mind, 3 Margaritas, located on 6385 North Academy, has continued to be a success story, both as a restaurant and as a family. As they gain loyal patrons and are discovered by customers seeking the real thing, they find ways to turn first-timers into repeat customers. For example, they recently renovated their establishment’s interior into a comfortable, beautiful environment. In addition to the remodeling, they have also revamped their menu into one that is even more unique and sure to please. They’re giving their restaurant a fresh new look to better serve new and continuing customers. Only a short drive from North Academy Boulevard, 3 Margaritas is easy to find and even easier to enjoy. The authentic, delicious food is only one part of a satisfying dining experience that will surely bring you back for more.

restaurant guide

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restaurant guide

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Treats for your sweet:

White-Chocolate Cherry Shortbread

Make Valentine’s Day even sweeter with these delicious cookies by Stephanie James, head confectioner of Delectable Delicacies. Visit her shop at 425 W. Academy for even more treats. Makes: about 60. Bake at 325°F for 12 minutes. 1. Preheat oven to 325º F. Spread cherries on paper towels to drain well.

Ingredients: ½ cup maraschino cherries, drained and finely chopped 2 ½ cups all-purpose flour ½ cup sugar 1 cup cold butter

12 oz. white chocolate baking squares ½ tsp. almond extract 2 tsp. shortening 2 drops red food coloring (optional) White nonpareils, red edible glitter (optional)

2. In a large bowl, combine flour and sugar. Using a pastry blender, cut in the butter ‘til mixture resembles fine crumbs. Stir in drained cherries and 4 oz. (2/3 cup) of the chopped chocolate. Stir in almond extract and food coloring if desired. Knead mixture until it forms a smooth ball. 3. Shape dough into 3/4-inch balls. Place balls 2 inches apart on an ungreased cookie sheet. Using the bottom of a drinking glass dipped in sugar, flatten balls to 1-1/2-inch rounds. 4. Bake in preheated oven for 10 to 12 minutes or until centers are set. Cool for 1 minute on cookie sheet. Transfer cookies to a wire rack and let cool. 5. In a small saucepan, combine remaining 8 ounces white chocolate and the shortening. Cook and stir over low heat until melted. Dip half of each cookie into chocolate, allowing excess to drip off. If desired, roll dipped edge in nonpareils and/or edible glitter. Place cookies on waxed paper until chocolate is set. Storage: Layer cookies between waxed paper in an airtight container; cover. Store at room temperature for up to 3 days or freeze for up to 3 months. Calories: 87 • Protein (gm): 1 • Carbohydrate (gm): 9 • Fat, total (gm): 5 • Cholesterol (mg): 9 • Saturated fat (gm): 3 • Vitamin A (IU) 97 • Sodium (mg): 28 Calcium (DV %): 10 • Iron (DV %): 0 Percent Daily Values are based on a 2,000 calorie diet

cooking and recipes

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

microbrewery guide

Introducing D&B’s Brew Review Welcome to the inaugural beer review by D&B. Your intrepid monthly reviewers will attempt to bring you informative and entertaining reviews of the brews we try at some of Colorado’s finest breweries. Occasionally, we may mix in different perspectives from our wives and other patrons. We have a designated driver everywhere we sample. Please be responsible and do the same! We’ll begin by giving you a bit of background on us. We both started out drinking the more affordable beers; a lot of Natty Ice, Coors Light, and apparently the best Milwaukee has to offer. As we matured, so did our tastes, and now we’re both home brewers who have a great appreciation for the work these small breweries are doing. I’ll be your narrator for this journey as B, with D interjecting commentary. Keep in mind, the only qualification we have to judge these beers is that we are writing this column and you are not. Even if we think a beer is fantastic, you may still hate it. Don’t blame us for you being weird.

In the grand tradition of great critics of the arts, we are using a steins up/steins down type of rating. Our goal at each brewery is to find what we are calling the “trifecta” of beer tastes: the Easies, Standards, and Bolds. Easies are the beers that will introduce new crafties to the club. The Standards are beers that we feel will satisfy the palettes of most consumers. The Bolds are beers that are creative and maybe a little crazy. One other note to make is that we don’t go into these breweries announcing our intentions to taste and rate their beers. We try to act as inconspicuous as possible, and hope to keep our identities secret. So, if you see two guys in a brewery wearing Groucho Marx glasses-andmoustache combos, chances are you’ve found us. It’s okay to buy us a beer. We don’t bite. With that introduction, we will begin the journey! Again, I must emphasize that we never go out without a designated driver, and we urge you to do the same.

The Review: Rock Bottom Brewery General: Rock Bottom Brewery (located at First & Main Town Center) is a brew-pub that features some excellent food, a good atmosphere, ample parking, and most of all, beer. They have all the necessary accruements that go along with being a brewery (shiny barrels, shiny piping, shiny people), and overall made a good impression on us, earning an overall rating of 3 Steins Up. The Easy: Jan-Feb Wheat, sampled by B I started out with the Jan-Feb Wheat. This is a highly spiced imperial wheat beer, weighing in around 8% ABV with cinnamon, coriander, and mace. It had a good aroma and a balanced taste, but little to no head (foam). The beer was a good wheat beer, not too sweet, a little banana in the background, nice cloudy color, and overall left a good impression. Verdict: One Stein Up

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The Standard: Class V Red, sampled by D We all have our favorite beer moments, and most of them involve the day the enlightenment of craft beers took hold. D’s special moment came the first time he tasted the Molly Brown Ale at Rock Bottom. It was a surprise when he chose to review the Class V Red. This is a balanced amber-red colored beer with a very fruity/floral hop note weighing in at just over 5% ABV. For a Red, this beer might be a little high on the hop side and a bit low on the malt side, but overall was quite good. It came with a generous pour, but again, little to no foam. Verdict: One Stein Up The Bold: Gibraltar Imperial Stout, sampled by D & B Oh. My. God. That is the only way we could describe this beer. Both D and I had a glass of this and were blown away by the malty-hoppy goodness. This stout is coal black with brown foam, weighing in at 9 ABV and 62 IBUs. You can taste the burnt choco-

late, coffee, and black malts present in the beer, but it avoided being cloyingly sweet with a big shot of hops to tone it down. We could find nothing but good to say about this beer. Honestly, the only problem with it was it was only a 10 oz. pour. D’s Verdict: Two Steins Up B’s Verdict: Two Steins Up

Final Impression: Rock Bottom delivered on the Gibraltar. We recommend going there simply for this beer. The heavens opened, angels sang, women and children wept with joy, Congress worked together, and the Kardashians were relegated to obscurity because of this beer. If their other stouts and porters are crafted with this much care, we can do nothing but recommend this place. Delonte, the D in D&B, is a stay-at-home dad and Krav Maga expert. Bruce, the B, is a former longshoreman with only six fingers. They can be reached by sending smoke signals.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Rock Bottom Brewery 3316 Cinema Dr | 719.550.3586 rockbottom.com

colorado vistas brewery 1102 cheyenne blvd 719.555.5555 | colvistasbrew.com

bully pub & grill 8900 sunset hill rd | 719.555.5554 gobullyorgohome.com

Easy: Jan-Feb Wheat--Medium body, flavor spiced with cinnamon & coriander. Good aroma & balanced taste w/ hints of banana.

Easy: Blonde Ale--Light body wheat ale. Citrusy flavor with strong hints of orange & floral hops. More malt taste than hops, no bitterness, pleasantly sweet aftertaste.

Easy: Backyard Barbecue--Light body w/ slightly sweet finish. Citrus hops make this a refreshing summer classic.

Standard: Class V Red--Medium body. Flavor is fruity with notes of floral hops. Taste is slightly bitter w/more hops than malt.

Standard: Goldenrod--Medium body IPA. Floral hops more dominant than malts, slightly bitter flavor with a hint of sage & smooth finish.

Bold: Gibraltar Imperial Stout (pictured below)--Full bodied coal-black stout with creamy brown head. Complex taste with burnt chocolate, coffee and black malts; sweetness is well-balanced by noticeable hops. Highly recommended.

Bold: Tall and Stout--Full bodied dark brown stout reminiscent of traditional German beers. Thicker consistency, almost chewy. Chocolate & cinnamon malts produce rich, roasted flavor. Served at room temperature. royal gorge brewery 990 s. main st. woodland park, co 719.555.5553 | royalgorgebrew.com Easy: Clementine--Light body with smooth finish. Slight traces of sage, little to no bitterness & low ABV (alcohol content).

Bold: King of the Mountain--Full bodied deep brown IPA with spiced malts. Brewed with tea leaves, aroma suggests sandalwood incense & cinnamon. Thick consistency and near-opaque color created by this intricate, complex brew. This one is meant to be savored.

Bold: Jan-Feb Wonderland--Full bodied wheat brew flavored with cinnamon & nutmeg. Cloudy consistency produces a creamy finish with lingering but pleasant aftertaste. A customer favorite, it is perfect for cold evenings in front of a roaring fire.

adobe abode (uh-doe-bee uh-bo-dee) 3250 manitou avenue | 719.555.5552 Easy: Cheer Beer--Light body with a “chuggable” finish (please drink responsibly). Relatively low alcohol content with slight lemon flavor. Similar to Coors Light™ or Bud Light™ in drinkability. Standard: Grease Monkey--Medium body red stout with foamy pour. Aromatic malts have sage flavor & smell like pizza. Slightly bitter finish, completely unique.

microbrewery guide

Standard: Desert Sunset--Medium to full body with higher hops-to-malts ratio, producing moderately bitter flavor with hints of coffee and an inexplicable banana aroma.

Standard: Foxy Brown--Medium to full body IPA with slight coffee aroma and hints of chocolate malts. Slightly bitter finish.

Bold: Afterburner--Full bodied black stout with strong licorice notes. Coffee & chocolate flavored malts balance strongly concentrated hops. Served at room temperature with a black licorice straw.

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microbrewery guide

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

microbrewery guide

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

arts and entertainment

(Enjoying the)

local scenery: The beauty

Lily Pad Submitted by Heather Patterson

Here’s Looking at You Submitted by Andrea Jones

A lily pad rests serenely on a pond at the Denver Zoo.

A Canada Goose bravely approaches, expecting a treat of bread crumbs (but alas, the intrepid bird is disappointed).

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

of Colorado through your eyes (and camera lenses)

One Colony Short Submitted by Jaime Kniep

Hot Air Submitted by Bryan Kniep

A weathered barn on the eastern plains displays Old Glory with pride, despite being short one stripe.

A hot air balloon inflates in preparation for its silent flight over Colorado Springs.

Readers: Send us your pictures of Colorado. We may use them in an upcoming issue.

Featured Photographer

Paul Trujillo text by Andrea Jones photographs by paul trujillo

Looking through Paul Trujillo’s lens, it’s as if you are seeing a world where everything is the same, yet nothing is commonplace. There’s a sense of wonderment, a feeling of possibility. The mundane is transformed, or perhaps it’s our perceptions that are transformed. In a word, Paul’s photographs are lovely. The subjects are familiar and comfortable, often photos of family pets. The simplicity of composition and style are elegant interpretations of everyday people, animals, places and things. He shows us things and ordinary events we see everyday, yet never take the time to truly notice. arts and entertainment

Using a less-than-cutting-edge digital camera and some unobtrusive Photoshop touches, the 23-year-old’s skill belies his lack of formal training in photography. His talent is a little rough around the edges, reflective of youth and optimism. The result is an ever-so-slight paradigm shift in the way the rest of us see the world, lingering in our minds like the last note of a song Grandma used to sing.

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

travel and outdoors

Adventures in India by Gisela Schmidt

The flight from Almaty to Delhi was just under five hours, but the two cities were worlds apart in every other way. The Kazakhstan we left was icy and cold; snow adorned the leafless trees, and icicles provided the sole decoration to squat, single-story homes. The India to which we arrived was warm despite the late hour, and we stared, transfixed, at the leafy trees and multi-story buildings just outside the cab windows. We were startled out of our reverie by the driver’s bark, “Karol Bagh?” to which my friend replied, “Only English.” After we established that he wanted the street address (Karol Bagh being the name of the district), we returned to our review of the palm trees and trucks bearing painted suggestions to “Blow Horn Please,” “Use Dipper at Night,” and “Wait for Side.” I woke early the next morning and lay in the curtained darkness, listening to the sounds of Delhi. I heard the hum of people drift over from distant streets. Cars buzzed and honked past. I tried to picture it based on what I’d seen the previous night, but midnight’s deserted streets with their drifting trash and scavenging dogs didn’t seem as likely in the bright morning that peeked from the edges of the curtains. Even there in the north, Jan-Feb seemed so unlikely that the buildings weren’t properly sealed, and sunshine outlined the air conditioning unit.

The other tourists were European or Australian, and we wondered if perhaps we had stumbled upon a great secret.

My interests were less on the tourist aspects of the country and much more on the culture, but India held plenty of both. Those first few days were devoted to the tourist sites around Delhi: historic monuments and buildings nestled snugly among bazaars and skyscrapers without the slightest incongruity. Some, such as the Red Fort, served a practical purpose, while others, such as the five-story tower Qutub Minar, were testaments to a former dynasty. No trip to India would be complete without a visit to the Taj Mahal so we took a day trip to Agra, the city of the most famous mausoleum in the world. We spent the last ten minutes of our approach in an electric rickshaw, because for pollution reasons, cars are not allowed near the historic site. We separated into two lines to get through the security check, and for once in my life, the women’s line moved faster than the men’s. The other woman and I walked around the entrance while we waited, but a large brick structure blocked our view. Perhaps it was better that way, because when the men caught up with us, we were able to walk through the archway together, and we all paused a moment at the view. The entrance to the Taj Mahal was crowded with photographers who assisted their customers with poses to look as if they were pinching the roof or holding the mausoleum in their palms. The day was sunny and

©Gisela Schmidt

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

travel and outdoors

©Gisela Schmidt

warm, so the yard was crowded with tourists from around the country and the world. The mausoleum, viewed from the outside, was exactly as photos had led me to believe: large and white. Inside, the marble walls were inlaid with colorful stones from around the world: lapis lazuli, onyx, malachite, and more. The local stone, cornelian, was translucent and appeared to glow orange when illuminated with a flashlight. There were no lights, and photography was not permitted. The site, we were told, was closed every Friday for restoration, and indeed, we could find no fault in the magnificent structure. We flew the next day to Mumbai, but our time in the city was limited. We had only eight hours before catching an overnight bus to our ultimate destination: the beaches of Goa. We spent the morning on a beach, watching waves and people. In the afternoon, we took rickshaws across the city. After a hectic adventure to find our bus stop (at a restaurant far from the center), during which time our two rickshaws became separated, we settled in our shared sleeping berths for an 18-hour ride. We left Mumbai at sunset and watched dusk descend on the high rises, slums, and 16 million people, the same as the population of Kazakhstan. The palm trees formed beautiful, if surreal, silhouettes. Headlights, street lights, and neon signs illuminated the city. The road passed through villages, up and down mountains, and around some blind switchbacks, but it was comfortable enough. Two other foreigners were on the bus: a man from Vancouver and a woman from Spain. They had been to Goa before and each offered suggestions on how to find housing and which was the best beach. When the bus stopped, however, and we piled into a taxi, we simply named the only beach we could remember: Palolem.

The next four days passed in a blur of sun, sand, and delicious food. The waves were small, but the water was a clear blue-green.

As we entered the bazaar in Palolem, motorcyclists approached our van from both sides, offering beach huts at competitive prices. We went with the one who reached us first, and we found ourselves in small, wooden shacks just 20 meters from the Arabian Sea. The bathroom door was a shower curtain, and the running water had only one temperature, but it was a perfect home for our needs. The next four days passed in a blur of sun, sand, and delicious food. The waves were small, but the water was a clear blue-green. For a reasonable price, you could rent a kayak for an hour, a scooter for a day, or take a boat trip to see dolphins. The other tourists were European or Australian, and we wondered if perhaps we had stumbled upon a great secret.

Like all good things, however, it had to end. We all too soon found ourselves back in the Delhi airport with just an hour to go before our flight back to Almaty, so we availed ourselves of the food court, buying something from almost every restaurant. And if you find yourself in an Indian McDonald’s, I highly recommend the Chicken Maharajah Mac; the special sauce is curry. Gisela Schmidt graduated from the University of Notre Dame and spent two years in Kazakhstan with the Peace Corps. She is now a freelance writer living in New York City. To contact the author, email design1@markettreasury.com. We will forward your message.

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retail

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

First of all, you need coupons. There are several places you can find them, from your Sunday paper and direct You’re probably already familiar with the volumes of mail publications to the internet. A few websites to ad inserts that arrive in your paper box each Sunday. check out with printable coupons are www.coupons. Sometimes you flip through them. Sometimes you drop com, thekrazycouponlady.com, couponmom.com and them in the recycle bin immediately. Either way, there’s cscoupons.com. You can subscribe to Sunday papers a good chance that you are missing out on countless to get those inserts, or just ask friends, coworkers and opportunities to buy more for much, much less. neighbors to fork over their coupon inserts (if they don’t use them). If you have cable, you may have caught an episode or two of the new show Extreme Couponing on TLC. Clip or print out coupons for items that you typically This addictive program has introduced us shopping buy as well as items that you should have on hand but rubes to a supercharged buying method that can save generally overlook. Be prepared to spend a few hours regular people thousands of dollars a year on ordinary gathering coupons. Don’t collect coupons for things products you already buy. Imagine going to the groyou never buy just for the sake of having them. Orgacery store with your typical shopping list and walking nize them in a binder using sheet protectors, business out with cartloads of items for which you paid 90% card or baseball card holder sheets. You can sort them less than usual. Think of it as a sport and yourself as an by category or by expiration date. Sorting by category athlete. To get the best bargains, you need to spend a may take more time at home but will save you time in lot of time training, preparing and planning a strategy the store; sorting by expiration date saves you time to win the game. It’s you versus The Store. You may at home but will take you longer in the store. Choose be the underdog, but as we all know, David crushed whichever method works best for you and be consisGoliath—with a case of Ramen. tent. Take your binder with you when you shop. By Andrea Jones

Here are some tips and guidelines to becoming an extreme couponer.

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Now that you have an arsenal of savings, it’s time to start couponing--slowly. If you jump right in, chances

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Think of it as a sport and yourself as an athlete. To get the best bargains, you need to spend a lot of time training, preparing and planning a strategy to win the game. It’s you versus The Store.

are you’ll stagger out of the store bewildered, exhausted and defeated. Pick one store and familiarize yourself with their inventory, store layout and typical prices. Find out when they restock their products and determine their slowest time of day to shop so you avoid busy checkout lanes and empty shelves. It’s also highly recommended that you get to know a few of the regular cashiers and develop a friendly rapport. Extreme couponing can be extremely obnoxious to busy and frazzled cashiers, but they will be much more understanding if they know you and your process. You may want to introduce yourself to the store manager and ask for a copy of their coupon policy, which you should keep in your binder should a dispute arise. Don’t forget to warn shoppers behind you in line that you will be awhile, lest you be attacked by a harried mom wielding a club of French bread. To be a champion couponer, you will have to change the way you think about cooking. Instead of planning your weekly meals and shopping accordingly, plan out your purchases and cook accordingly. So what if Saturday is always meat loaf night? There’s no reason you can’t have spaghetti instead.

Once you have enough practice shopping at one store, you can start expanding your shopping radius to include other stores. Expect to visit several places in order to take advantage of various store sales. The MO should be the same at each place: Learn the layout, befriend some employees, get a copy of the store coupon policy and strategize. Pay special attention to stores and items that allow you to “stack” coupons. Some places will let you use both a manufacturer and a store coupon on one product, which maximizes your chances of walking out with the Holy Grail of couponing, the sublime goal of every extreme couponer: a receipt with a nice, big $0 for the total, or even cash back from the store! You may be wondering, who on earth needs three hundred cans of condensed tomato soup in their garage? Well, the obvious answer is “no one,” but that is actually incorrect. You know who needs all of that soup? Food banks, homeless shelters, soup kitchens and charities! There are plenty of people out there who can benefit from your couponing savvy. Remember, there is a distinction to be made between extreme couponing and hoarding. Once that tower of pudding snack packs threatens to topple over and trap children, forest creatures, Buicks, etc., it’s probably time to find ways to reduce your inventory.

It’s always good to shop with a grocery list, but you don’t have to stick to it. Get the items you need immediately and don’t overlook items that you will need. So there you have it—everything you need to become You may have plenty of toilet paper at the moment, a champion couponer. I must caution you about one but chances are you’ll need more, so stock up while thing, however: Just like the television show, extreme the sale is hot! Don’t be shy about clearing out a closet couponing can be highly addictive! The rush of adrenaor space in the garage for surplus items. However, you line, the triumph of acquisition with no monetary probably don’t have much of a need for a gallon of dispensation, the euphoria of swimming in groceries mayonnaise, not to mention space a la Scrooge McDuck… As soon in your refrigerator. Stock up on as you are hooked, you’ll crave it Here’s a quick hint for dry goods, not things that can go even more than the Buy One Get shopping in general, bad and give you serious gastric One Free package of Oreos you distress. Your family and coworkwith or without coupons. just scored. Happy hunting! ers will be much nicer.

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retail

“Sale” does not always equate to “savings.” Check the price per unit on the shelf tag to get the best bargain.

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retail

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Trend-Spotting: Neat Boutique by Elizabeth Behnke

In the town of Monument, there is a trendy store where it is impossible to merely window shop. With an eclectic selection of clothing and glamorous accessories, you won’t leave Neat Boutique without something stunning. How does a high-end fashion boutique weather a weak economy? According to Drier, it’s customer loyalty and affordability. She buys directly from talented, unknown fashion designers still waiting for that big break. With her amazing eye for fashion, she has stocked her store with items that are one-of-a-kind, literally, while launching the careers of hopeful designers. Founded with the idea of a more personal approach to shopping, store founder and manager Alice Drier is always bustling about, giving the final touches to any customer’s outfit. “We want our customers to feel like one in a million,” she says. Store associates are die-hard fashionistas eager to make you look fabulous. They offer up helpful advice on building your wardrobe and clothing that fits your body, whatever your shape. From beginning to end, Neat Boutique will help you find your style and make you look fashionable.

Visit Neat Boutique, located at 4th and Main, Monument. Hours are Tues-Sun, 11 a.m. to 9 p.m. 24

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retail

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

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contests, activities and games

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Valentine’s Day word search VALENTINES CARD HEARTS LOVE BE MINE CANDY CHOCOLATES PRESENTS GIFTS SWEETHEART GIRLS BOYS FLOWER ROSES JEWELRY DATE

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ROMANCE CANDLES DINNER DANCE COUPLE CARE SHARE GIVE RECEIVE FUN FEBRUARY SURPRISE RED PINK ROMEO JULIET KISS

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Crafts for kids: Clothespin dolls You will need: Wooden clothespins (the kind that are not hinged work best), markers or paint and paint brushes, fabric scraps, pipe cleaners, glue, scissors How to make it: The round part at the top of the clothespin will be the head (or you can glue a wooden bead to a hinged clothespin). Paint or draw a face on the top of the clothespin. Carefully cut bits of fabric and glue to the clothespin for clothes (or you can paint the clothes on). Use pipe cleaners for the arms. You can use yarn or thread for hair if you like.

Parents, email pictures of your child’s dolls to us at design1@markettreasury.com or info@markettreasury. com. We’ll post them online and print some of them in our next magazine!

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

contests, activities and games

Next contest: poetry!

Congratulations to the winners of the December drawing contest!

Everyone likes words that rhyme ‘Cuz they sound so lovely to the ear. So for our contest, this time We want your poems to publish here.

Thanks to all the kids who entered our contest. From what we can tell, Colorado Springs has talent! Be sure to look for all of the other entries, scattered throughout this magazine. Winners receive $75 gift certificates to Paint the Town.

Write about whatever you feel, Like birds in the sky, fish in the sea, Rocks in your shoe poking your heel, Sports you play, your skinned knee...

Our winners:

Anything in the whole wide world Can be the subject of your work, So grab a pencil, give it a whirl, Just let loose and go berserk! Your poem can be rhyming or free verse. Winners from three age categories (0-6, 7-13, 14-18) will be selected for publication in our next issue. Each winner will be awarded a gift certificate to Poor Richard’s Bookstore! To submit up to three entries, mail to Market Treasury, 4345 Beverly Street Suite A, Colorado Springs, CO 80918. You can also email your poem to design1@markettreasury.com. Include your name, age and a phone number to reach your parents. Entries are due by February 14, 2012. Winners’ parents will be notified by February 20, 2012. Good luck!

Ages 0-6 : Tabetha Brand, age 6. Tabetha’s entry was one of the most creative, using a twig for the mouth, cotton for the snowman’s body, rocks for eyes and pine needles for arms. Ages 7-13: Joseph Ambuul, age 12. Joseph’s drawing was the most skillful entry. We received no entries for the 14-18 age category, so we are awarding $35 certificates to each runner-up: Vincent Terry (age unknown) Matthew Lewis, age 5, with the most colorful submission, painted with watercolors

Tabetha Brand

is the 6-year-old daughter of Jessica and Ted Brand. Her interests include playing the violin, reading, drawing and crafts. She is a first-grader at Helen Keller Elementary, where her favorite subjects are reading and science. Tabetha would like to be either a sculptor when she grows up or President of the United States.

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Joseph Ambuul

is the 12-year-old son of proud parents Scott and Wendy Ambuul. He is a 7thgrader at Charles M. Russell School for the Performing Arts and Sciences. His interests include drama, soccer and, of course, drawing. Joseph would like to be an actor when he grows up. His favorite movies are the Harry Potter series.

contests, activities and games

Runner-up: Matthew Lewis, age 5

Runner-up: Vincent Terry

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Who says age has to

seniors and retirement

slow you down?

Silver Key helps seniors live the lives they want By Elizabeth Behnke

Silver Key provides caring services for senior citizens. They advocate senior empowerment and fellowship among a multitude of other services to help maintain independence, safety, and quality of life. Silver Key assists within their facilities and within the home as well. In partnership with their shareholders, their mission is to serve as the conscience of the community, finding and implementing ways to ensure the elderly are aging safely with dignity and independence. Through their Guardianship Program, Silver Key is there when others are not. They provide a personalized care management service for individuals deemed unable to make safe deci32

sions for themselves by the El Paso County Probate Court. Court-appointed guardians visit weekly to get to know their seniors well enough to advocate for each individual’s needs.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

In addition to the Guardianship Program, there are several other services that Silver Key provides to make sure your elderly loved ones are taken care of properly, from providing non-medical services in their own homes, offering the Health Equipment Loan, and even fixing up the home with their Home Maintenance program. Silver Key also reaches out to the community with the Meals on Wheels program. They prepare fresh meals daily for delivery and can be tailored to accommodate dietary needs. Meal deliveries are available Monday through Friday during lunch hour. They even offer refrigerated options for the weekend.

is transportation for seniors, allowing them to accomplish everyday tasks such as doctor visits and grocery shopping. One common concern when considering placing your elderly loved ones in a home is if they will be treated fairly. Silver Key answers this concern by partnering with several organizations such as the Pikes Peak Coalition Against Abuse in Later Life, so you can be sure that your loved ones will receive the best care. With Silver Key celebrating its 40th anniversary this year, you can be sure that they will continue to serve the community proudly with respect, commitment to values, and compassion.

Another very helpful service that Silver Key also provides

seniors and retirement

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seniors and retirement

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Financial Advice for Your 60s From Deborah Fowles, about.com

As You Enter Your 60s...

consolidate all of your investments for ease of recordkeeping? Will you take a lump sum distribution or an annuity? Because the order in which you withdraw your funds (whether you withdraw interest, dividends, or capital gains first) can have a significant impact on taxes, it may be wise to consult a tax advisor before making this decision.

As you enter your 60s, continue to fine-tune your projections and your asset allocations. Obtain an estimate of your Social Security benefits from the Social Security Administration based on your expected retirement date. Benefits are reduced if you take early retirement. Research your Medicare options and be If you’ve planned wisely, you should be able to sure to enroll by the time you reach age 65. If you retire before the age of 65, be sure you have live comfortably through your golden years. You’ve earned it. medical insurance to cover you until you’re eligible for Medicare. For financial advice for your 50s, see the rest of the article on page 62 in the finance section. Now is the time to start thinking about how you’ll take your retirement assets. Will you

seniors and retirement

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health and beaut y

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Tips for dry skin relief compiled by staff

Jan-Feb can be brutal on sensitive skin. As soon as you turn up that indoor thermostat, moisture inside your home dries up, and your skin will quickly follow suit. You may even experience nose bleeds and eczema. There are things you can do to help your skin weather the Jan-Feb and keep it moisturized year-round.

Combating nose bleeds

The insides of your nasal passages can become dry and cracked, making your nose more likely to bleed. Get a humidifier for your bedroom and run it every night. Use a cotton swab to apply Vaseline to the inside of your nose. It’s weird, but it works.

Lotion up

Use an intensive therapy lotion on the exposed areas of your body at least twice a day. The best time to apply is right after you get out of the shower, while your skin is still damp.

Water, and what to do with it

Drink plenty of water to hydrate from the inside out. However, avoid taking hot baths and overly frequent hot showers.

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health and beaut y

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pets and animals

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These facts about animals are wild! During World War II, the United States Marine Corps spent $2 million trying to train bats to drop tiny bombs across Japan. Seriously! A group of owls is called a parliament. A group of frogs is called an army.

Bats cannot walk on their legs. They crawl using the claws on their wings. Jellyfish are 98% water and will evaporate in the sun. Giraffes and humans have the same number of bones in their necks.

George Washington’s teeth were not wooden. They were The Indian giant squirrel is usually about three feet long. made of elephant ivory and walrus tusks. Humans share 98.5% of their DNA with chimpanzees. We also share 70% of our DNA with slugs!

While it is illegal to keep foxes and raccoons as pets in Colorado, you can have as many kangaroos as you like.

Ants do not have lungs. Their exoskeletons have tiny valves called spiracles, which draw oxygen into an internal system of tiny valves called tracheae. Queen ants sleep an average of nine hours every day in relatively long stretches. In contrast, worker ants sleep half that much by taking about 250 power naps a day, each about one minute in length. A queen ant can live for years, but her poor minions typically last a few months.

A chicken with white ear lobes will lay white eggs. A chicken with red ear lobes will lay brown eggs. A polar bear’s body gives off no detectable heat and is invisible in infrared vision. Cows from different regions have different accents when they moo. Cats can make more than 100 vocal sounds while dogs can make about ten.

Cats have 32 muscles in each ear. Ostriches can outrun horses. Males can roar like lions.

Daisy

pets and animals

Beau

Rest in Peace, Thor

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pets and animals

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Max the German Shepherd puppy and Jason, age 6

Jacob, age 6, and Sandy

Jason (7) and Shelby

Chocolate the horse

pets and animals

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automotive resources

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

automotive resources

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SPECIAL ADVERTISING SECTION

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Us vs. The House home improvement

by Andrea Jones

Our bedroom is dark and silent. The only light shining through the bare window is from a waxing moon. The only sounds are the whirr of my humidifier and the gentle snoring from my husband’s side of the bed. All is peaceful, and I should be deep in dreams. Instead, I’m rolling restlessly from one side to the other, wrestling with the sheets and blankets each time I move and find myself tangled in a wad of fabric. I’m not used to the darkness. Or the silence. Apartment life has hardened me. I’ve grown accustomed to falling asleep with the rumble of a train in the distance, accompanied by several blasts from the screeching horn. Our bedroom was always flooded with lights from a car lot across the street. I had finally learned how to ignore the sounds of the neighbors on the other side of the bedroom wall, fighting or rapping to music with bass so deep and loud, it could be heard on the far side of our rattling apartment. It took a year, but I had finally learned how to sleep through anything. I did not realize, however, that being able to sleep through anything would mean that I could not sleep through nothing. For the last two weeks, I’ve lain

awake at night, straining to hear car horns, sirens and loud lovers’ quarrels, but in my new neighborhood, all is as silent as a vacant cemetery. At the time of this writing, I have been a homeowner for thirteen days. My husband and I just moved into our first home, which is in a quiet neighborhood in northeast Colorado Springs. We have space. We have closets. We have privacy. Gone are the days of waking to the sound of domestic dischord and police sirens. It’s all so harmonious. We stand together at the glass door opening onto the back deck and watch our three dogs tearing around the huge backyard chasing mischievous squirrels. It’s so lovely compared to renting, it feels like house-sitting. We bought a HUD property on an FHA loan. That translates to actually getting money back at closing. We were so happy that we could use the money set aside for a down payment to buy grown-up furniture, replacing the sofa I’ve had since college, given to me when my older brother finished college, having purchased it from a dead lady. I really looked forward to having furniture not previously owned by a dead person. With the money we saved, we could buy that furniture, replace the 1980s linoleum and marbled orangey-brown carpet and update the light fixtures (although it’s a pity to discard those vintage 1983 smoky glass globes, in original condition, too!). We were so excited to make The House our own. Continued on pg. 50

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home improvement

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home improvement

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Evidently annoyed by our enthusiasm, The House determined its new occupants posed a threat to its comfortable lifestyle. With dingy, stained walls, scarred diamond-patterned linoleum in the kitchen and the popcorn textured ceiling, The House was obviously quite pleased with its slouchy, I-don’t-care-how-I-lookso-why-should-you defiance of taste. We should have expected The House to protest, but we naively assumed the people were in charge of this situation. We were so young, so blissfully unaware, going about our small renovations that included new paint and knocking down one superfluous wall. The L-shaped wall served no other purpose than totally isolating anyone who entered the kitchen from the rest of existence. It did not support the ceiling. One low, narrow slit on the north leg of the L provided people on the other side with a cropped butt-level view into the room. Before our first week of ownership had passed, we had removed the top half of the L like a dermatologist treating an unsightly skin growth. The House was displeased. It retaliated, shutting off the refrigerator, destroying the new groceries in the freezer. The House seemed equally unimpressed by my choice of paint color. By the time the last grimy wall had received its second coat of Citrus Punch, The House had carefully planned its counterattack. It crouched in the shadowed corners while I admired my handiwork, wait50

ing until I stepped into the bathtub shower to launch its first strike. I soon found my ankles submerged in water rising as fast as it was falling. For a grand finale, it vomited drain debris and pipe gunk all over my feet. My husband, an experienced and skilled handyman, tinkered with the drain. He poured jugs of clog remover into it. He yanked a Wookiee’s worth of hair out of it. He used something called a snake. He littered the floor with miscellaneous tools. He alternately coaxed and cursed the drain. All was in vain. The plumbing remains stubbornly and inaccessibly clogged, necessitating the acquisition and installation of an entirely different bathtub, which we do not yet have. So if anyone out there has a Jacuzzi they could spare, let me know. Thankfully, we have another bathroom with a fully functional shower. What we do not have is that down payment we had saved buying our home through the HUD and FHA programs, having offered the money up to The House in a feeble attempt to appease it. We do not have new furniture, flooring or light fixtures. We don’t even have window blinds in the bedroom. I will still lay awake tonight, but this time I will be keeping a close eye on The House. I’m pretty sure it’s stealing from us to feed its Home Depot addiction. Thirteen days in, and this is how the score stands: Homeowners 2, House 2. Stay tuned.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

home improvement

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home improvement

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

home improvement

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interior design

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

MOD Kitchen designer Erin Blake finds inspiration in the oven By Andrea Jones

The main requirements for a proper kitchen are pretty basic. You need a sink with a faucet. Then there’s the oven and stove. Throw in a refrigerator and perhaps a microwave, and you have a functional room in which you can prepare food. It’s quite simple, really. The kitchen has a defined purpose, and along with the bathroom, is one of the few rooms in the house that rarely serves a second purpose. While you may have a home office in the spare bedroom and eat your meals in the family room, it’s rather uncommon to find a recliner in the kitchen. Designer Erin Blake, owner of Fab Kitchens, believes in the sanctity of the kitchen as the sole area for food preparation. She has no use for knick knacks and carries a particular disgust for ceramic depictions of livestock. interior design

“The only things that should be in a kitchen are tools for cooking or storing food. Can a ceramic rooster fry an egg? No, it can’t. So get it off the counter.”

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interior design

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Blake believes that interior design, especially in the kitchen, should be a harmonious marriage of form and function. Neither one takes precedence over the other. “There’s some indefinable quality to a plain old oven that appeals to me,” she explains. “There it is, an unobtrusive box with a door, nothing really special—yet delicious, nourishing things come out of it. Isn’t that a beautiful simplicity?” In the absence of chotchkes and hand-painted signs with cute slogans, Blake creates stylish spaces using bold colors and geometric elements. She prefers glossy black or stainless steel appliances and fixtures, which she juxtaposes with bold colors, often combining opposite, even clashing, colors. “People are terrified of pairing a color with one that is on the opposite side of the color wheel,” she observes. “I don’t know why.

It’s not as though they are going to combust.”

thing as a neutral color. Each has its own energy.”

It can be a tough trick to pull off, she admits. “The key is to match colors in intensity and resist throwing in another ‘accent’ color. Once you have three highly saturated colors in an enclosed space, it can feel like an assault on your eyes.” Blake uses white and black to create “visual resting places” amid the large expanses of vivid color. In her opinion, “there is no such

Blake also draws inspiration from the modern architecture and furniture design of the 1960s. “To me, the clean lines and simplicity of shapes are the perfect combination of form and function. Geometric shapes are easily arranged to maximize the space. That’s very important in a room where you are constantly moving about. The placement must be efficient and logical when there’s so much traffic.”

Erin Blake earned a Bachelor of Arts degree in interior design from the Rhode Island School of Design in 1998. She opened Fab Kitchens in downtown Colorado Springs in 2003 and opened another store in Denver in 2009. She has been featured in Oprah Magazine, Ladies Home Journal, and Style Magazine.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

interior design

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interior design

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

interior design

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real estate resources

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Spacious single-family home in downtown colo springs - $185,000

Charming cottage in historic old colorado city - $128,500

beautiful, newly renovated charmer in east end addition - $157,900

Year built: 1956. 1,900 S.F. 3 bd., 2 ba., .18 ac Great little starter home with bay windows and dormer windows. New roof. All appliances are included!

Year built: 1917. 1,074 S.F. 2 bd., 1 ba., .09 ac Lovingly maintained, quaint house has new paint inside and out. Hardwood floors, woodburning fireplace. Don’t miss this one!

Year built: 1948. 1,600 S.F. 3 bd., 2 ba., .21 ac Large, beautifully landscaped yard. Home has fresh exterior paint, new windows, newer roof. Wood-burning fireplace in large family room.

MLS #8465332

MLS #1874562

This one is priced to sell! MLS #102009

Spacious, modern home in n.e. springs - $397,800

Historic victorian in manitou springs - $128,999

huge house in new subdivision! $299,999

Year built: 2010. 2,950 S.F. 4 bd., 3 ba., .47 ac This house is HUGE! Contemporary style, all-hardwood floors, granite countertops, fully landscaped yard. Hot tub included!

Year built: 1899. 2,900 S.F. 4 bd., 4 ba., .5 ac Once a boarding house, this Victorian has been sub-divided. Needs new windows, one bathroom needs plumbing work.

Year built: 2011. 3,100 S.F. 5 bd., 5 ba., .12 ac Brand-new house in fully landscaped subdivision. Enormous family room and master suite with private balcony. Situated near clubhouse.

MLS #4443278

Great investor opportunity! MLS #9964977

MLS #8796541

gorgeous black forest family home $687,000

you won’t believe this price! $188,500

historic boarding house in old c.c. $600,000

Year built: 1999. 4,800 S.F. 6 bd., 8 ba., 2.5 ac Incredible home on lot with tons of mature trees and privacy. Great room is three stories tall with amazing view of the mountains.

Year built: 1992. 1,900 S.F. 3 bd, 2 ba. .15 ac Recently remodeled with all-new windows and plush carpet. Huge master bedroom with private 5-piece bathroom.

Year built: 1905. 8,450 S.F. 16 bd., 16 ba., .2 ac House is divided into 8 units. Beautiful, original crown molding and common kitchen in basement. Great investment property!

MLS #2308991

MLS #3120553

MLS #1600584

Spectacular views! $250,300

new home on fully landscaped lot $222,200

Rancher in central colo springs $144,000

Year built: 2011. 2,100 S.F. 3 bd., 3 ba., .25 ac Lovely ranch home with 3 car garage, crescent paved driveway, partial basement. Back yard fully fenced, features firepit.

Year built: 1962. 1,600 S.F. 3 bd, 2 ba. .15 ac Well-kept ranch home with hardwood floors, front picket fence, single-car garage, new exterior paint, new windows. Great bargain!

MLS #7219563

MLS #3407857

Year built: 1995. 1,600 S.F. 3 bd., 2 ba., .16 ac Gated community with clubhouse and small private golf course. Home has updated fixtures, new kitchen cabinets and appliances. Back deck off private master bedroom. Hurry,

this one won’t last! MLS #7562110 60

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Featured Listing: Beautiful English Tudor in Black Forest Year built: 1888 Square footage: 6,980 + outblds. Levels: 3 + full basement Lot size: 1.5 acres Bedrooms: 5 Bathrooms: 7 Family rooms: 2 Fireplaces: 6 (5 wood, 1 gas) Master bedroom suite: 50' x 25' Formal dining: yes Garage: 3-car Outbuildings: 2 MLS ID: 754862319 List price: $1,009,000 Listing agent: Sandra James This historic Tudor-style charmer in the highly desirable Black Forest area is true to its original architecture and style. Original carriage house and a small guest house in back. Recently renovated master bedroom suite is 1,250 S.F. with updated gas fireplace, large sitting room and his-and-her bathrooms. Each bedroom has private bath and its own fireplace. Great room has huge fireplace, vaulted ceilings and a loft. All fireplaces except master suite are wood-burning. Carriage house has been converted into 3-car garage with shop space added. Restored guest house is 1,800 S.F. with 4 bedrooms, 2 baths. Covered walkway leads from guest house to main house.

Newly renovated kitchen with custom cherry cabinets

Beautiful wood-burning fireplace in parlor/family room

real estate resources

Huge master bedroom suite features a new, see-thru gas fireplace, sitting room & private bath

Secluded private garden with original stonework

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MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

Financial Advice for Your 50s From Deborah Fowles finance

Financial Planning Throughout Your Life By the time you’re in your 50s, your kids have probably left the nest and are supporting themselves. You’re probably at the highest income level of your career, and can really focus now on building your retirement assets.

Take Stock of Where You Are To take stock of how you’ve done so far on planning for your retirement, first prepare a realistic estimate of what your expenses are likely to be during retirement. For a pretty accurate estimate, think about the lifestyle you plan to have during retirement. Will you travel? Have a vacation home? Do a projected budget, keeping in mind that some costs (such as health insurance) are likely to increase, and some costs (such as your mortgage and costs associated with working) are likely to decrease.

Determine If You’ll Meet Your Goal or Fall Short Once you have a handle on your expected expenses, determine approximately how much your assets will be worth at retirement. Next, estimate how long your retirement assets are likely to last, considering your projected expenses and income (don’t forget Social Security), the size of your nest egg, the return you expect to earn on your assets, and your life expectancy. Again, you can get a ballpark estimate of how long your money is likely to last by using an online calculator, but it may be wise to consult a financial planner for assistance with this important step. With the above information in hand, you should have a pretty good idea of whether you can expect to meet your goal or fall short. If possible, increase your retirement contributions to 15% or more of your income.

Other Issues to Consider Now Your 50s is also a good time to evaluate the asset allocation of your portfolio. Are you being too conservative by putting a large portion of your assets in fixed income investments? Are you taking more risk than you’re comfortable with by investing too heavily? Other issues include a review of your estate plan, including a will, a durable power of attorney giving the person you designate the power to make financial decisions in your behalf if you become unable to do so yourself, and a living will outlining your wishes regarding lifesaving treatments in the case of serious illness or injury. You would be wise to consult an attorney in developing these legal documents. For financial advice for your 60s, see the rest of the article on pg. 35 in the Seniors section.

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Itemizing Deductions Can Lead to

Big Tax Savings By Jeremy Vohwinkle, About.com

When it comes to reducing your tax burden, itemizing deductions may be the way to go. The standard deduction is certainly easier, and might be a better option if you have a simple tax situation or don’t own a home, but if you determine that itemizing is right for you, it could lead to substantial savings.

Itemizing vs. Standard Deduction The

standard deduction is exactly what it sounds like—a flat amount that you can deduct from your taxable income. The amount you can deduct is based on your filing status, number of dependents, and what year you’re filing the taxes for. For additional information on the standard deduction, see IRS Publication 501. When you itemize deductions, you have the ability to deduct the actual dollar amount of individual deductions. Some of these deductions come in the form of mortgage interest, property taxes, medical expenses, and more. If you think that if you totaled up all of your allowed deductions and it would be greater than the standard deduction, it would be wise to itemize.

What Expenses Can be Itemized? The most

common expenses include mortgage interest; charitable contributions; property taxes; state and local income taxes; medical expenses that exceed 7.5% of your adjusted gross income; various miscellaneous expenses that exceed 2% of your income such as union dues, tools and supplies needed for work, tax preparation fees, some legal fees, and many more.

Should You Itemize? There is no right or wrong answer, and it ultimately depends on your situation. To determine if itemizing would be worthwhile, you should take a look at Schedule A of Form 1040. On this sheet, you can list your itemized expenses, and then total them up to compare the amount to the standard deduction. If the itemized amount is greater, then you would want to itemize. If the total itemized amount is less than the standard deduction, you would not want to itemize. The largest deductions for most people come in the form of mortgage interest and property taxes, and in these situations, even a modest mortgage could put you over the standard deduction limit. Since this can total into the thousands of dollars over the standard deduction, the tax savings can be significant.

finance

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when you need an expert

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services and specialists 64

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services and specialists

Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

when you need an expert

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gardens and landscaping

MARKET TREASURY • COLORADO SPRINGS METRO AREA • Jan-Feb 2012

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Jan-Feb 2012 • COLORADO SPRINGS METRO AREA • MARKET TREASURY

Bundle up! Jan-Feb Gardening Tips Tips from Rick’s Garden Center

As any avid gardener knows, Jan-Feb can be brutal on your plants. What do you do when the frost hits? Don’t give up on the plants you have carefully tended; with a few tricks, you can make sure your garden weathers any Jan-Feb storm without harm.

1 2 3

Move it! If any of your outdoor plants are in freestanding planters, move them indoors, even if the weather is mild. You don’t want to be caught unaware when Jack Frost makes an unexpected visit.

Bundle up! Plants that stay outdoors should be covered. Protect them with burlap covers and a layer of straw. You can even use old blankets. Don’t forget to weigh down the edges with rocks to keep coverings from blowing away. Get the hot water! If negative temperatures are expected and you fear for your more delicate plants, you can place plastic milk jugs filled with hot water around them and cover with a thick blanket to insulate and keep your plant warm and cozy.

Jan-Feb does not have to put a halt to your outdoor activities. The colder months, usually November-March, are ideal for planting trees, so take advantage of the downtime. This is also a good time to clean up your garden by pulling up weeds and removing last year’s stakes. Above all, stay vigilant. Watch the skies and barometer, and be prepared to spring into action at the first sign of inclement weather. Our thanks to Rick’s Garden Center for these cold weather gardening hints.

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