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SNIPPETZ INVESTIGATES WHAT MOTHER GOOSE REALLY MEANT! ISSUE 382 • FEBRUARY 23, 2009

by Deborah Stumpf

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Hey diddle diddle, The cat and the fiddle, The cow jumped over the moon. The little dog laughed to see such fun And the dish ran away with the spoon!

J

ack and Jill went up the hill and Peter, Peter, Pumpkin Eater and many other nursery rhymes were part of our childhood and our kids’ childhood and grandparents, great grandparents and so on. So, who came up with nursery rhymes and why? No one knows for sure, but there are many guesses and theories. Most agree that many nursery rhymes were probably rooted in historical events, politics and gossip. What Mother Goose Really Meant!... Continued on Page 2

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SNIPPETZ INVESTIGATES WHAT MOTHER GOOSE REALLY MEANT!

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What Mother Goose Really Meant!... Continued from Page 1

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PETS 16 Paws Corner SAINT Adoptions

We do know that most nursery rhymes originated in Great Britain beginning in the 17th century. There are some even older, such as “Sing a Song of Sixpence,” which was documented as coming from the Middle Ages. Some say nursery rhymes were written to provide children a way to learn concepts in language as well as math, or to soothe a fussy baby. Other say that most nursery rhymes were not written for the purpose of entertaining children, but would be made up to memorialize an important event, express feelings, spread gossip about royalty or as a way to express political views in an oppressive environment. Some hold gruesome contents, but seem like child’s play when sung or chanted in verse.

BUSINESS AND FINANCE 17-19 Financial Focus ... 17 Dollars and Sense... 18 The Law According to Stevens... 18

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HEALTH AND WELLNESS PAGES 10-11 Diet Center Health Bulletin... 10 Jills Health Tips... 10 The Doctor Is In... 11 To Your Good Health... 11 SNIPPETZ BUSINESS DIRECTORY 12 The Place To Find Local Businesses on the Go! THE DINING GUIDE PAGES 13-15 The Kitchen Diva... 13 Gretchen’s Goodies... 14 Patricia’s Café... 15 • Vino-Bits... 15

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(719) 481-1981 the jumper would experience a year of good luck. If the candle was extinguished from the jumper’s breeze, then a year of bad luck would follow.

Humpty Dumpty the Canon

Humpty Dumpty was the nickname of the very large canon that was placed on the wall next to St. Mary’s Church in Colchester, England during the English Civil War of the mid 17th century. The Parliamentarians attacked the Royalists, damaging the wall where the Humpty Dumpty canon was placed (…came tumbling down). The canon was so heavy that the Royalists (the king’s men) couldn’t put it back on the wall. EventuThe different rumors and theories surrounding ally, the Royalists had to surrender to the Parliathe meaning of some well-known nursery rhymes mentarians. are aplenty. Have you heard any of these?

Ring Around the Rosey for the Plague

Goosey Goosey Gander Hides From Religious Persecution

One rumor purports that in the 16th century Catholic priests were said to hide from Protestants who would execute them for their beliefs. (“There I met an old man who wouldn’t say his prayers, so I took him by the left leg and threw him down the stairs.”)

Refers to the Great Plague of 1665. A “pocket full of posies” may refer to the herbs and spices that would go into the pocket of an ill person to freshen the air. “Ashes, Ashes” is the American version; “A-tishoo, A-tishoo” is the English version, mimicking the sound of a sneeze. “Well all Mary, Mary Quite Contrary fall down” refers to death. With that said, some say that this rhyme was around even before the and Bloody Mary Indeed Great Plague, so could not be connected. Mary refers to King Henry VIII’s daughter, Mary Tudor, a Catholic who persecuted the Protestants. Old Mother Hubbard The garden of silver bells and cockle shells are Gets an Annulment the nicknames of Mary’s favorite instruments of May refer to Cardinal Thomas Wolsey who tried torture. The maids all in a row refer to the guilloto get King Henry VIII’s marriage to Katherine tines used for beheading the Protestant believers, of Aragon annulled. The symbols are the dog as referred to as maidens. Henry VIII, the cupboard as the Catholic Church Three Blind Mice and Old Mother Hubbard as the Cardinal. The bone, of course, is the sought after annulment. Go After Bloody Mary

Not too sharp, the three blind mice may refer to three Protestant noblemen who dared go up against Mary Tudor who had them burnt at the During wedding festivities people took turns stake and dismembered rather than beheaded. jumping over a lit candle. If the candle stayed lit,

Jack Be Nimble and Married

What Mother Goose Really Meant!... Continued on Page 3

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What Mother Goose Really Meant!... Continued from Page 2

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What Mother Goose Really Meant!... Continued on Page 4

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Some say this has something to do with Halloween and must have originated in the U.S. since pumpkins were not grown in Great Britain where most nursery rhymes were originated. There are others who conjecture that Peter’s wife cheated on him (had a wife and couldn’t keep her) and the pumpkin (put her in a pumpkin shell) symbolized a chastity belt. Once locked up, she was not to wander again (and there he kept her, very well). Enough said about that one.

There are two theories that Mother Goose came from France. One is that Queen Goosefoot might

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Peter, Peter Pumpkin Eater Stoops to Drastic Measures

A total of three Americans from the 19th century declared that a woman named Eliza Goose told stories to her grandchildren that were eventually published. There is no evidence of the publication they spoke of.

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Little Jack Horner is said to portray Thomas Horner, who was the steward of the Benedictine Monastery. Around 1540 after King Henry VIII (him again) denounced the Catholic Church, he began seizing all of the Catholic monasteries to rob them of any valuables. The Benedictine Monastery was the largest in the land and attempted to bribe the king by offering the deeds to other properties it held. It was Thomas Horner who was sent off to see the king with the deeds of 12 properties buried in a pie. (Hiding valuables in food was a common occurrence in those days.) Somewhere along the way, the story goes that Jack stuck his finger in the pie and pulled out one of the deeds. The story continues to include treachery and treason mixed in with the usual convictions and hangings. Nonetheless, Horner moved into one of those properties and generations of the Horner family lived there until the 20th century. The family denies any allegations that he may have stole the property.

Theories abound about where Mother Goose came from. Was it France, America or England? Whatever the case may be, the first known book of nursery rhymes was published in England in 1765. However, there is evidence that books called “chapbooks” were published in England as early as 1570 that contained various writings including rhymes for children.

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are the last two lines of the famous children’s poem “Rain, Rain go away.” It might be a stretch, but some say that the poem refers to the early 16th century when Spain and England were at each other’s throats on a regular basis. In 1588 when the Spanish Armada headed toward England, they were met by small but mighty English ships aided by a great rain storm. The attack failed and the Spaniards return to their homeland in fewer numbers than when they departed.


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What Mother Goose Really Meant!... Continued from Page 3

it’s always falling down no matter what it’s built from. The London bridge that was built in 1831 was have been Mother Goose even sold to Lake Havasu City, Arizona though she was nicknamed Goose- in 1962. It was dismantled piece by foot because one of her feet was piece and reconstructed to cross a channel connecting with Thompson bigger than the other. Bay. The bridge still stands today at Another belief is that Bertha de that location. Laon, Mother of Charlemagne was Mother Goose because it was believed that she was the model for a statue of a woman telling stories to In the February 10 issue (Ischildren surrounding her. The most sue 381) of Snippetz, the article proof available is that the name "Snippetz Forecasts the WeathMother Goose has been found in er...Or Not," noted that Mount Baker, Wash. holds the record for French writing. the most snowfall in a season in Finally, England, the home of many 1921 at 189 inches. It is indeed nursery rhymes is the focus of the Mount Baker that holds the record third theory. A nursemaid named snowfall in one season; however, Martha Gooch from the 1700’s was the correct amount of snowfall said to sing rhymes to the children amount was 1,140 inches in the she cared for. She was teased for 1998-99 season. Mount Baker's that and people starting calling her official measurements are taken Mother Goose after the Queen of at an elevation of only 4,200 feet. The previous record was held by France. Mount Rainer in the 1971-72 season of 1,122 inches. Mt. Rainer is located about 150 miles south of Mount Baker and sits at 5,500 feet above sea level. No matter There were various versions of the how you shovel it, that's a lot of London Bridge, but in the rhyme, snow!

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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 email to columnreply@gmail.com.

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STEP 6

WALLS - Part 1

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e’re down to number six on our list, and that’s our walls. Walls play such a big part in our room. A magazine once did an article and they asked me, “On a budget, how can I change the room the most with the least amount of money?” My first answer is, “Absolutely, paint your walls.” It’s the cheapest thing to do and it will change the room dramatically. I have a motto, “Life is too short to live with white walls. White walls are boring.” It looks like you just moved in and haven’t decided yet what you’re going to do. Add a little color to your life and add a little excitement. Let’s talk about the four walls. There’s also a fifth wall in your home and that’s your ceiling. We’ll talk about that in just a second because I have an idea for you. When we talk about painting our walls, there are so many wonderful painting techniques to choose from. Some of them are even do-it-yourself types, and I’m generally not a do-it-yourself person. In fact, usually the closest I come to do-it-yourself is when my husband asks me if I could do something and I would say, “Do it yourself,” but I’ve found I can do sponging, rag rolling and stippling. I’ve learned some of the techniques. I have bagged; I have dragged; I’ve dry brushed; I’ve glazed. I’ve done some of these techniques and I’m so proud because they don’t have to look perfect. They aren’t supposed to look perfect. That’s perfect for me so I can do them. So, painting is inexpensive and it’s the most decorative value for your dollar. Wallpaper, now there’s a little more commitment here. Let’s say you paint your walls and you don’t like it. What’s the worst-case scenario? You repaint it. Wallpaper, you look for days to find the perfect one. It ranges from inexpensive to expensive. There are textiles; there’s paper; there’s vinyls. There’s all sorts of different wallpapers and if you

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Residential • Commercial

FREE ESTIMATES

FIREPLACES

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

When we think about all the choices we have, the walls are the one thing that we see in a room whether we’re standing, sitting or laying. So, it needs to be the right color! I always suggest that people buy a small can of paint and paint a good section of a wall and let it dry. Look at it during the day; look at during the night. Put your furnishings up there. If you’re a little skittish on trying color for the first time, do this and you’ll have more confidence in your choice. Either way, let’s get away from those white walls and add some fun!

FIRST ANNUAL FUR AND LEATHER SALE UP TO 80% OFF RETAIL

I mentioned the fifth wall earlier. The fifth wall is your ceiling which provokes a lot of questions. “Do I have to use ceiling white paint?” The answer is “Absolutely not.” If you’re afraid to do some contrasting, the best thing you can do is to have that ceiling painted white. Try mixing it with two-thirds ceiling white paint to one-third the color on your wall.

(Excludes sale items) (expires 3/30/09)

10 STEPS TO A PERFECT ROOM

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put it up and you don’t like it, you’ve invested a little bit more. Be sure you find the right wallpaper for you. Now onto paneling, we still see lots of paneling. It’s not as popular as it used to be, but it’s still used to add warmth, depth and character in rooms such as the library, the office and the family room. We are seeing better paneling, instead of that cheap, inexpensive paneling. Paneling and molding is back and it is as popular as ever. It is just so warm and so inviting. Don’t pass up paneling because you had a bad experience in your history.

High End Furniture

Women’s Clothing

Located in the Safeway Plaza

Home Decor

Jewelry

Art Work

488-1170

Name Brand Purses

info@redouxboutique.com

“Your Lender Next Door”

Let’s say we’re going to add a soft butter cream yellow on the walls. Two-thirds of it would be the ceiling white and then mix a third of that butter cream yellow into it, stir it up really well and then paint your ceiling that color. You’ll find that you get a nice shade. It’s still a contrast to your ceiling, but yet it complements it beautifully.

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ASK ABOUT OUR We Bring the Showroom to You.® NEW YEAR OFFER!

So, if you’re tired of the same plain, old white, but don’t want too much color, this is a nice option to blend that color. Next Week: Step 6 - Walls - Part 2

366 Second St. Monument

Courtesy of Sally Morse

719-487-7767 www.FloorsandWindows.com

Like to know more?

ALL WINDOW COVERINGS 10% Specializing in: AND OFF Hardwood • Laminate • VinylDRAPES

Kim can be reached at 719-487-7767

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Lighting • Blinds • Drapes • Shutters Carpet • Tile Countertops Area Rugs • Natural Stone

Ask About Our New Year Offer!


QUALITY GOODS & SERVICES J

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Boarding Kennel

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Santa Fe Trail Jewelry 719-481-0250 125 Second St.

Historic Downtown Monument

Hwy. 105

Walker Rd.

THE PLACE FOR GREAT BIRTHDAY GIFTS

FREE Gift Wrapping

Double J

Black Forest Rd.

every heart has a story

County Line Rd.

Thompson Rd.

every story has a bead™

Owners on Site - 24 Hour Supervision

Hwy. 83

Trollbeads

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BOOK YOUR Hodgen Rd. HOLIDAY VACATIONS Convenient Location EARLY • Reasonable Rates • Catering to Special Diets • Large/Indoor Heated Runs & Other Needs • Elevated Dog Beds • Multi Pet Discounts for • Overnight/Long Term Pet Roommates

Both stores conveniently located at 274 Washington Street, Historic Monument

481•1361

Unique Handcrafted Dollhouses & Accessories

Judi & Jeff Havens - Owners 6470 Walker Road • Colorado Springs

for the Discriminating “Mini-Home Owner”

By Appointment: 495-1774

TRI-LAKES & GLENEAGLE WELCOMING

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719-488-2119

PO Box 863 Monument, CO 80132

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train headed toward a dead-end brick wall, leading some to speculate that the crash was a suicide. Following this disaster, the London Underground installed an automatic braking system in end-of-the-line locations.

Winkie,” “Heidi” and “Rebecca of Sunnybrook Farm.”

• On Feb. 26, 1919, the Grand Canyon national park is established. The chasm drops more than a mile into the earth, and is 15 miles across at its widest point. American geologist John Wesley Powell, who popularized the term “Grand Canyon” in the 1870s, became the first person to journey the entire length of the gorge in 1869. • On Feb. 27, 1936, Shirley Temple receives a new contract from 20th Century Fox that will pay the 7-year-old star $50,000 a film. Her famous blond ringlets appeared in more than 40 films, including “Bright Eyes,” “Curley Top,” “Wee Willie

• On March 1, 1941, Nashville radio station W47NV begins transmitting. The station was the first in the country to receive a license for FM radio transmission. The station started its FM broadcast with a commercial for Nashville’s Standard Candy Company.

• On Feb. 24, 1982, Wayne Gretzky scores his 77th goal, breaking a record held by Phil Esposito of 76 goals in a single season. When Gretzy retired in 1999 after 20 seasons in the NHL, he was widely con-

sidered the greatest player in the history of hockey. • On Feb. 23, 1997, “Schindler’s List” is shown on NBC, the first network to broadcast a movie without commercial interruption. Ford Motor Company, which sponsored the broadcast, showed one commercial before and after the film. The blackand-white 1993 film won Steven Spielberg his first Academy Award as Best Director. (c) 2009 King Features Synd., Inc.

finders keepers

• On Feb. 25, 1964, 22-year-old Cassius Clay shocks the odds-makers by dethroning world heavyweight boxing champion Sonny Liston in a seventh-round technical knockout. Two days later, after meeting with Malcolm X, Clay announced he was joining the Nation of Islam. He later took the Muslim name of Muhammad Ali.

by Peggy Rima

“gifts from the heart” NEW ARRIVALS FOR SPRING!

Incredible Jewelry Unique Gifts Local Art Pottery & Candles Colorado Jams, Salsas & Honey

• On Feb. 28, 1975, a subway crash in London kills 43 people. The driver of the train apparently made no effort to brake as the

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

8


®

SNIPPETZ THE LOCAL SCOOP

THE LOVE SHOP...

Where you love to shop Suite 13 - 719•598•3348

Great gifts, home decor and something special just for you. We carry Vera Bradley, Pandora Jewelry, Demdaco, Lollia, Spirit Jeans and much more. Come visit today!

There’s something in downtown Monument you’ve got to see...

Front Street Square

THE COFFEE CUP CAFÉ Suite 6 - 719•488•0663 A hometown favorite since 1978 offers true down home cookin’. Offering all-day breakfast and lunch, its menu has something for everyone. Open 7 days a week, 6:30am3:00pm. www.coffeecupmonument.com

This Month’s Focus

Prickly Pear: We have just returned from market, and have lots of new items arriving at the store. Stop in and see our collections.

BEXPRESSED

The Bead Corner, Heart and Hand Marketplace: All new classes. Sign up for precious metal clay, metal working and beading workshops.

Suite 11-C

THE PRICKLY PEAR

Love Shop: The Love Shop is now the only Pandora Jewelry dealSuite 8 - 719•531•7418 er in the Pikes Peak region. A beautiful Pandora key chain is free Home accessories galore! Need help Valentines day gift items clearance sale. A with a $75.00 Pandora purchase while supplies last. accessorizing your home? Here you will find unique tropical coffee and gift store. A rare florals, furniture and accessories to fit your find in Monument. Please stop by and get Colorado lifestyle. MOUNTAIN AIR HAIR SALON to know us!

719•266•2338 719•338•0995

Bring this coupon in for $5.00 OFF any cut with Karey or Meredith.

BLUE SAGE MERCHANT Suite 11-B 719•488•1822

MOUNTAIN AIR SALON

We sell for you on E-Bay. Your E-Bay drop off store.

Suite 5 719•481•3265

ONE STOP CLEANERS

Under new management of Karey Ennor. Barber cuts, highlights, state of the art color, updos and contemporary cuts.

Suite 11-A 719•488•3851 Your Dry Cleaning and Alterations Headquarters.

THE BEAD CORNER RICHARDS CHIROPRACTIC Suite 10 719•481•3121 We put the pieces back together!

251 Front St. In the heart of Downtown Monument 9

HEART & HAND MARKETPLACE

Suite 4 719•487•9900 Beads, supplies, classes, handcrafted gifts.

jewelry,

and


SNIPPETZ® HEALTH AND WELLNESS

HEALTH BULLETIN WEIGHTLOSS TIPS A DAY AT THE FOOD COURT

W

alking around the mall can help you burn calories (especially more than home shopping online or through the television). However, it’s often too tempting and convenient to stop at the food court. Food courts make it very easy to get off track from your diet, especially with the combo sandwich deals, super-size deals, and tempting aromas of fried, greasy foods. Before you order the super-size fries, double-burger, and large soda; ask yourself a question. Do you want more for your money including more fat and calories? Or would rather get less for your money by staying on track and los-

HOW TO WIGGLE OUT OF THE MUD

By Dr. Ron Ross

PREPARE FOR THE BOOM:

STRENGTHEN YOUR STRENGTHS

D

id you know that only two in ten people go to jobs where they work in the area of their strengths? This is according to research done by Marcus Buckingham and reported in his popular book titled “Now, Discover Your Strengths”. This means that 80% of workers are wrongly employed, probably under-performing, and are definitely underenjoying their hours on the job. That’s why all the talk around the water cooler is about how miserable people are and how much they are looking forward to the weekend. Are you one of the two or are you one of the ten? How would your life change if you got paid to do what you do best and what you most enjoy doing? If you work every day in the area of your greatest strengths you will be more productive and much happier. You already know why: You do best what you do best… and you do better what you most enjoy doing. You may have the idea of “strengthening your strengths” upside down because of that old school thing called the “Report Card”. Remember when you got yours, your parents sat you down at the kitchen table and went over your grades with you. If you got an A or a B+ in something you got a little pat on the back. But if you got a D or

ing the excess pounds! Sometimes less is better. You can survive a trip to the food court by making wise selections. When you order Chinese food, select steamed rice and veggies. Ask for the low-fat, low-sodium sauces. When choosing Italian, a small portion of spaghetti is a good selection. Just remember to go easy on the sauce, Parmesan, and meatballs. You can even get a side garden salad with fat-free dressing. Bean or chicken burritos are good Mexican choices. If you get a sub sandwich, stick to lean cold cuts topped with veggies, and hold the cheese and mayonnaise. Some places offer small portion specials if you ask. If not, set aside an appropriate portion and take the rest home. A stop at the food court can fill you up, but it doesn’t have to harm your weight loss program! an F in something, you got a good talking to that had the underlying message that you were to strengthen your weaknesses (“Johnny, you’ve got to do something to bring up your low grades”) and overlook your strengths. The result is that many folks always focus on the area of their weaknesses trying to bring them up to a par with their strengths. And it can be very depressing. No one wants to spend hours working on something they hate or something that is not well tuned to their natural talents. But you can go from good to great if you discover and build on your talents, gifts, and motivations - if you strengthen your strengths. Don’t focus on your weaknesses – find and focus on your strengths. Then go to work on making your strengths even stronger. It’s possible you don’t even know what your strengths are. So, find out. If you’re really serious about changing your life you should buy and read Buckingham’s book. In the meantime, here are three of many suggestions Buckingham makes for discovering your strengths:

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1. Make a list of what energizes you, what you look forward to, what you feel really good about doing? 2. Then make a list of the opposite: Things that stress you out or drain your energy, or things you don’t like to do or avoid doing altogether. 3. At the end of a week review the two lists and you will have some insight into your natural strengths. Once you discover your strengths set about to strengthen them and you’ll be happier, more productive, and ultimately more successful. “Prepare for the Boom” is a series of columns that will appear over the next several months. A compilation of the series will be made available toward the end of the series. To join Dr. Ross’s e-mailing list please go to www.MileHighMotivator. com and sign up. There is no charge. For feedback email: Dr.Ross@comcast.net.

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For a limited time, enroll for only $49.99 we offer: • • • •

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1737 Lake Woodmoor Drive (just east of I-25 on Hwy 105)

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•The Crossroads at Monument Shopping Center •


SNIPPETZ® HEALTH AND WELLNESS THE DOCTOR IS IN

Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Heather F. Fink, PA-C

An insightful look at Health

by Dr. Christy Meislahn

LAUGHTER, AN ESSENTIAL INGREDIENT OF GOOD HEALTH

F

or years, Reader’s Digest has featured the column, “Laughter, the Best Medicine.” It contains jokes, riddles and humorous musings designed to tickle the funny bone. But just how important is laughter to our everyday health? Turns out, when we laugh, we produce natural killer cells which destroy tumors and viruses. Plus there’s an increase in the production of Gamma-interferon (a disease fighting protein), T-cells (important for our immune system) and B-cells (which make disease-fighting antibodies). Besides lowering blood pressure, laughter increases oxygen in the blood, which also facilitates healing. Laughter helps us to deal with stress, cope with loss, work through tragedy, hide our embarrassment and calm our fears. Laughter helps the body relax. It lowers blood pressure, increases immune system functioning and assists in warding off disease. In terms of mental health, laughter: • Helps us connect with others – humor is often used as a means to help us collectively cope with grief, fear or loss • Makes us more productive – happy people have more energy • Releases negative emotions such as anger, fear, sadness, resentment, depression – increases the likelihood that we will feel happy • Releases endorphins in the brain that

Specialized Adult and Pediatric Allergy and Asthma Care

help you feel good

DEAR DR. DONOHUE: I read a cover story in a national magazine that claimed there is much question about the need to lower cholesterol and to prescribe statin medicines. I can’t believe this story wasn’t frontpage news, since 18 million Americans take statin drugs. People taking statins are exposed to the risks of muscle pain, memory loss and

Enjoy the Beauty of Colorado Without the Sneeze or the Wheeze.

What steps can you take to increase the amount of laughter in your life?

Individualized treatment for:

Surround yourself with positive upbeat people who laugh a lot – laughter is contagious!

Don’t take yourself, or anyone else, or even life for that matter, so seriously.

Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma

Always remember, happiness is your birthright…so laugh and when you do, laugh loud and often!

Including Allergy Injections

The information in this article is provided solely for educational purposes and not as medical advice. Please consult a medical or health professional if you have questions about your health. No liability is accepted should you decide to self-treat or self-prescribe.

At the Medical Center next to Safeway

Find out what makes you laugh – is it funny movies, watching the comedy channel, reading funny material?

To set up an appointment call Dr. Christy at

719 • 488 • 8789 sexual dysfunction. My husband experienced these firsthand. His doctor ignored all his complaints and changed only the brand of statin drug. I hope you look into these reports on cholesterol and statin drugs and get the truth out to your readers. -- R.B.

DO CHOLESTEROL DRUGS REALLY WORK?

Now in Monument

Did you know that laughter is a form of aerobic exercise? You may even feel fatigued if you laugh continuously for any length of time! Just remind yourself to laugh well and often in order to experience the aerobic benefits of laughter.

ANSWER: I know that voices of dissent arise about every medical theory and over every drug developed to correct what most consider a health hazard. Numerous studies have confirmed the proposition that high blood cholesterol and high blood LDL cholesterol lead to heart attacks and strokes. Most of the worldwide medical community subscribes to that proposition. Similarly, innumerable articles have demonstrated that lowering cholesterol and LDL cholesterol prevents heart attacks and strokes, prolongs life and can possibly reverse arteryhardening. All of this has been done by rigorous scientific investigations. Statins are the most powerful medicines for the lowering of choles-

terol. (Statins are: Zocor, Pravachol, Crestor, Lescol, Mevacor and Lipitor.) Muscle pain occurs in 1 in 1,000 users. Muscle damage occurs in much fewer. Memory loss and sexual dysfunction are very rare. Most of the side effects of statins are reversed with discontinuation. Every doctor I know believes in the cholesterol theory and in the benefits of statin therapy. I put my money where my mouth is. I take a statin. To be fair, the magazine should present the other side of the story. The pamphlet on cholesterol tells the whole story in detail. Readers can obtain a copy by writing: Dr. Donohue -- No. 201W, Box 536475. Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery. *** DEAR DR. DONOHUE: My husband wears his belt so tight that it leaves a deep mark on his skin. He has constant heartburn, for which he takes Tums by the handful. I tell him to loosen his belt and he won’t have so much heartburn. He says his pants fall down when he does. He has a big stomach. Do you think

11

719-592-1365 www.csallergy.com

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

the belt has anything to do with his heartburn? He also has a hernia. How about that? -- C.N. ANSWER: Anything that constricts the stomach can encourage the upward spurt of stomach acid into the esophagus, where it causes heartburn. Your husband should at least try belt-loosening as a possible solution. If his pants are falling down, buy him suspenders. The tight belt isn’t likely to have any influence on his hernia. *** DEAR DR. DONOHUE: What causes bags under the eyes? -- L.B. ANSWER: In younger years, tough fiber strands under the eyes form a grill that keeps fat from bulging forward. In older years, those strands give way and fat protrudes to make undereye bulges -- bags. *** Dr. Donohue regrets that he is unable to answer individual letters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475. (c) 2009 North America Synd., Inc. All Rights Reserved


SNIPPETZ BUSINESS DIRECTORY

THE PLACE TO FIND LOCAL BUSINESSES ON THE GO!

IF YOU WOULD LIKE YOUR BUSINESS LISTED IN THE SNIPPETZ BUSINESS DIRECTORY PLEASE CALL: BJ 641-8200 OR GEORGE 487-0484

AUTOMOTIVE MAXX POWER LLC

Specializing in Diesel Performance (719) 488-0943 www.maxxpowertrucks.com CYLINDER HEAD SERVICE Valve Jobs Seats • Guides Surfacing Foreign • Domestic • Gas • Diesel

Rup Engines 719-205-3010

COMPUTER TLC COMPUTER REPAIR Sales and Service PC Recycling Center 481 Hwy 105 / Monument Plaza Behind Domino’s 719-302-2937

CONSIGNMENT TWO TIMERS FINE CONSIGN “Smart, Savvy and Green” Women‘s and Children’s Monument Plaza 719-484-0300 www.twotimers.net

CONSTRUCTION RICHARD PETERSON 719-481-1868 R. Peterson Construction, LLC Licensed & Insured Custom Homes ✷ Detached Garages ✷ Basement Finishes petersonconstruction@yahoo.com

FENCING LAW FENCE CO. 20 YRS experience building and repairing all types of fence FREE ESTIMATES 719-520-5538 lawfenceco@yahoo.com

FINANCIAL COLORADO NATIONAL BANK 581 Hwy. 105 719-488-4309 Your Key to Commercial and Personal Banking

FLOORS A PLUS PLATINUM CARPET AND TILE CARE Steam truck mount extraction. $15 OFF SPECIAL! 719-440-9148 or 719-339-2708

INSURANCE

LEATHER GOODS

PET GROOMING

AMERICAN FAMILY INSURANCE Larry E Stiltner Agency 481 Hwy 105 Suite 212 719-481-8382 Bus. Monument, CO 80132 LStiltne@amfam.com

Are you tired of paying top dollar for the imported garbage leather belts, wallets, purses, etc.? Our local leather store has quality handcrafted leather products made by local Colorado Springs craftsmen with decades of experience at VERY REASONABLE prices. Crafty Cow Leatherworks is in the heart of Old Colorado City at 2506 W. Colorado Ave.

DIRTY DOG GROOMING 481 Hwy 105 #206 Monument, CO We aim to rid this town of all them “Dirty Dogs.” 719-481-2968

KARAOKE

MORTGAGE

SPOTLIGHTERS 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 available for private parties, weddings, etc. or come check us out at PINZ every Thursday from 9pm - 1am 719-231-2946 Email: spotlightersentertainment@gmail.com

HOME DECOR

LANDSCAPING

MARGO’S ON THE ALLEY “For You and Your Home” 215 Chapala Plaza 719-487-1406 www.margosonthealley.com

COLORADO CUSTOM ROCK LANDSCAPING INC. Licensed and insured Serving the Front Range area for over 30 yrs. Commercial & residential landscaping services ccrlandscaping.com Call for a FREE Estimate! 719.598.6871

1ST METROPOLITAN MORTGAGE Jerry 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.

719-314-1320 www.nostresshomeloans.com Your home and mortgage are probably your single biggest financial asset and liability. It makes sense to deal with an expert that has been there, done that, and got the t-shirt! Your Personal Mortgage Planner can help you get the right mortgage for YOU at very competitive rates. Call 574-9500

VILLA DECOR Polish Pottery Home & Garden Accents 868 Hwy 105, Palmer Lake, CO 80133 Mon - Sat, 10AM - 6PM Phone: 719-481-1981

PAINTING CertaPro Painters Residential And Light-Commercial Interiors, Exteriors And Decks

COUNTRY CRITTERS UPTOWN Gentle Professional All Breed Grooming Serving The Tri-Lakes Area West End Center 719-481-0220

REAL ESTATE TINA PETERSON ABR-GRI-ePRO Remax Advantage Realty 719-460-7614 Are You Looking to Buy or Sell? www.ColoradoHomesMarket.com

REMODELING SPECIALIZED CARPENTRY Local, Personal & Affordable. Remodel your house or finish your basement. More than 25 years of experience in fine carpentry, remodeling & construction. Licensed, bonded & insured. In-house design and engineering.

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

ROOFING CAMPBELL ROOFING INC. Serving Colorado Since 1984 Licensed and Insured Member of BBB and Chamber 430 Beacon Lite Rd., Ste 110 719-573-9395 PRIME ROOFING, INC. Your local Monument Roofer 24 Years of Experience working for you Licensed and Insured Member of the BBB Call: 719-599-4020

Do you have an impossible real estate situation the the Realtors® cannot or will not help you with? You REALLY need to sell your house. Call Stargate Marketing at 460-5570

(719) 475-1616 www.certapro.com Painting • Passion • Professionalism

TANNING HEATWAVES TANNING SALON 481 Hwy. 105 Ste. 210 Monument, CO 80132 719-488-8884 (behind Taco Bell)

Now Curves Works with SilverSneakers. If your Medicare health plan offers the SilverSneakers® Fitness Program, you could be working out at Curves for FREE. Call or stop by with your health plan member ID to see if you’re eligible.

WORK OUT FOR FREE* *At no cost beyond your health plan premium. You must be a Medicare-eligible member of a participating health plan. SilverSneakers® is a registered mark of Healthways, Inc. ©2009 Curves International, Inc.

Visit www.silversneakers.com for more information.

[ OVER 10,000 LOCATIONS WORLDWIDE. ] (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 Local Address Address Local Address Address Local Address Address Local Address Address Local Address Address Local Address Address Local Local Local Local Local Local (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 719-487-8783 719-487-1967 (000) (000) 000-0000 (000) (000) (000) 000-0000 (000) 000-0000 Local000-0000 Address(000) 000-0000 Local Address Local000-0000 Address Local000-0000 Address Local Address Local Address 481 Highway 105, Suite J 13800 Gleneagle Drive Local Address Local Address Local Address Local Address Local Address Local Address Local Address Local Address AddressLocal Address Local Address Address Local Address Local Address Local Local Local Address Local Address Local Address Monument, CO 80132 Colorado 80921 Address Local Address Local Address LocalSprings, AddressCO Local Local Address Local Address Local Address Local Address Local Address Local Address (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 Local Address Local Address Local Address Local Address Local Address Address Local Address Address Local Address AddressLocal LocalAddress Address Local Address Local Address Local Address Address Local Local Local Address Local Local Local Address Local Address Local AddressLocal AddressLocal AddressLocal AddressLocal AddressLocal AddressLocal LocalAddress Address Local Address Local Address

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®

SNIPPETZ DINING GUIDE

75 Hwy 105 Palmer Lake 719-481-2222

er Lake

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WILD WINGS ‘N THINGS - HAPPY HOUR SPECIALS

FISH FRY FRIDAY

pecials

Daily S

CHECK OUT OUR OTHER SPECIALS

488-WILD (9453)

nly at promoti Palmer lake lo on exp ires 3/3 cation 1/09

CALL AHEAD FOR PICKUP / DINE-IN / OR PLATTERS

1415 Cipriani Loop • Monument

Open Nightly at 4:30

AVAILABLE FOR PRIVATE PARTIES AND CATERING Pairing Mexican Haas avocados with citrus fruits takes an ordinary bowl of salad greens to a new taste level. Try this unusual recipe for Mexican Haas Avocado and Grapefruit Salad with Warm Bacon Dressing. It’s guaranteed to take your avocado recipes beyond guacamole!

MEXICAN HAAS AVOCADOS GO BEYOND GUACAMOLE

H

ass avocados from Mexico are prized by chefs and the Kitchen Diva because of their delicate flavor and smooth, buttery texture. Mexican Haas avocados provide a rich, creaminess and a distinctive flavor to a variety of dishes. One of the best things about Mexican Haas avocados is that they contain the good “heart-healthy” fats that are so important in a balanced diet. They’re also packed with nutrients -- 20 vitamins and minerals, fiber, folate and potassium. Avocados rank among the highest for magnesium, vitamin E and folic acid compared with other fruits. Mexican Haas avocados are also high in beta carotene and have 60 percent more potassium than bananas. If you’re keeping an eye on your waist-line, avocados are perfect for a low-carb diet. Hass avocados are native to Mexico and grow in the Michoacan area, which is west of Mexico City. The climate and growing conditions are perfect because of the rich volcanic soil. Mexico grows more than 40 percent of the world’s avocados and is one of the leading yearround suppliers to the United States. Check the sticker on the avocado be-

MEXICAN AVOCADO AND GRAPEFRUIT SALAD WITH WARM BACON DRESSING

photograph by Phil Curry

fore you buy it to be sure you’re getting the high-quality Haas type from Mexico. An avocado is ready to serve when the skin turns from dark green to nearly black and yields when pressed gently with a thumb. Firm, dark green avocados will ripen in a day or two at room temperature, and even faster in a brown paper bag on your kitchen counter. Placing an apple inside the bag also speeds up the process. Ripe avocados can be kept in the refrigerator for several days. You should be able to remove the short stem easily when an avocado is ripe. To open an avocado, cut lengthwise around the pit; and gently twist to separate the halves. To remove the pit, place the avocado half on a counter and carefully strike the pit with the blade of sharp knife and twist to remove. Scoop out the flesh with a spoon. To prevent cut or prepared avocados from darkening, sprinkle it with lemon or lime juice. Then place a layer of clear plastic wrap in direct contact with the avocado, cover tightly and refrigerate.

Buttery avocado complements this warm salad, while fresh grapefruit chunks provide a refreshing bite. Invite your friends over for lunch or serve as a starter for a dinner party. 4 large flour tortillas (10 inches) 2 fully ripened avocados from Mexico, halved, pitted and peeled 4 cups mixed greens 1 large pink or white grapefruit, sectioned and cut into large chunks (about 1 cup packed) reserving juice 2 carrots, cut in 1/2-inch matchsticks 3 ounces queso fresco or feta cheese, cut into 1/2-inch cubes (3/4 cup) 6 slices bacon Vegetable oil, if needed 2/3 cup thinly sliced red onion 3 jalape–os, seeds removed, shell cut in thin matchsticks 1 tablespoon lime juice 2 teaspoons sugar 1/4 teaspoon salt 1/4 teaspoon ground black pepper

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Preheat oven to 350 F. Coat large baking sheet with nonstick cooking spray. Arrange tortillas on sheet; spray lightly with cooking spray. Bake until crisp and beginning to brown, 6 to 8 minutes; transfer to 4 serving plates. Cut and reserve 12 thin avocado slices; dice remaining avocado. In large bowl, combine mixed greens, grapefruit chunks, carrots, cheese and diced avocado. In large skillet over medium-low heat, cook bacon until crisp; drain. Pour bacon drippings from pan into measuring cup. If necessary, add oil to make 1/4 cup. Return drippings to skillet; heat over medium heat. Add onion and jalape–o; cook until tender. Add lime juice, sugar, salt, pepper and reserved 3 tablespoons grapefruit juice. Bring to a boil, stirring to incorporate the browned bits. Pour mixture over avocado mixture in bowl; toss gently and divide equally onto each tortilla. Crumble bacon over salads and garnish each with 3 avocado slices. Makes 4 servings. Angela Shelf Medearis is an awardwinning children’s author, culinary historian and the author of five cookbooks. Her latest cookbook, “The New African-American Kitchen,” is in bookstores now. She’s known as The Kitchen Diva and is the executive producer and host of “The Kitchen Diva!” television cooking show. Visit her Web site at www.divapro.com. (c) 2009 King Features Synd., Inc.


SNIPPETZ

GOODIES

DINING GUIDE

for pan 1/2 teaspoon baking soda 6 eggs 1 teaspoon almond extract

RETCHEN’S

by Gretchen Gire Anthony of Bodhicitta Bakery

®

Coffee Cup Café reputation 251 Front St, Monument, 488-0663 www.coffeecupmonument.com

Preheat oven to 325 degrees F. Butter and flour a Bundt pan and set aside. In the bowl of a mixer, cream butter and sugar together and then add sour cream. Sift flour and baking soda together. Add to creamed mixture, alternately with eggs, 1 at a time, beating after each addition. Add extracts and stir to combine. Pour into prepared pan and bake for 1 hour and 20 minutes. Cool cake in pan for about 10 minutes and then unmold and cool completely on a wire rack.

Open 7 Days a Week

A Second Cup location 13860 Gleneagle Dr, Gleneagle, 481-6446 www.asecondcup.net

Open 7 Days a Week

ALMOND POUND CAKE Yields 1 Cake

T

his is great with mixed berries and a large helping of whipped cream. I also like to stir in a little Amaretto liqueur into the whipped cream right before serving. 2 sticks of butter 3 cups sugar 1 cup sour cream 3 cups all-purpose flour, plus more

Make Every Day Sweeter than the Last!

719-487-1555

Stimulus Package! SERVING Breakfast • Lunch • Dinner

Wednesday wow! Early Riser $1.99 Burger Night Breakfast Order any burger in the house and get your second burger, “The All-American Classic” for just $1.99! Valid Wednesdays 5pm - close. Must order a beverage with each burger. Dine-In Only. Not valid with any other specials, discounts or promos.

Full Serve Menu d All D ay!

$3.99

Two eggs cooked to order served with golden hashbrowns, your choice of bacon, sausage links or sausage patty and your choice of toast, biscuit, pancakes or French toast. Valid Mon. – Fri. 6am-9am. Must order a beverage with each special. Dine-In Only. Not valid with any other specials, discounts or promos. No substitutions.

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ppy Hour a H

May 24th & July 26th

2for1 M-

F 3 - 5PM

WE ALSO HAVE FRESH BREAD FOR DINNER... BAKED BY NOON DAILY.

780 Hwy. 105 • Suite B Palmer Lake

www.eatatrosies.com

Buy one entree at regular price and receive your second entree of equal or lesser value FREE! Must order a beverage with each entrée. Dine-In Only. Not valid with any other specials, discounts or promos.

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6:00 am - 9:00 pm

PLEASE COME IN AND CHECK OUT ALL OF OUR WONDERFUL SWEETS.

BODHICITTA BAKERY

Gretchen Gire Anthony Bodhicitta Bakery - 487-1555

6:30 am - 3:00 pm

www.bodhicittabakery.com

PIZZA NIGHT Friday 5:00pm - 7:00pm

“Pizza Made To Order”


SNIPPETZ DINING GUIDE ®

PATRICIA’S CAFÉ CHEESE FONDUE

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine “TRY OUR SPECIALS TUESDAY THROUGH THURSDAY!” Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm 4 Hwy. 105 • Palmer Lake

719-481-3244

website: http://www.bellapanini.com

Dine In or Take Out Highway 105 & Primrose St.

Steaks

Shrimp ❁ Chicken

Burgers ❁ Burritos

Our Famous Reubens

KIDS EAT FREE THURSDAYS Cheese Sauce 2c Milk 1c Dry White Wine ½ lb Gouda Cheese ½ lb Râclette Cheese ½ tsp Garlic Powder ½ tsp Onion Powder to taste Salt as needed Roux Roux 1c 1c

Flour Clarified Butter (also called Ghee)

1. Shred cheese. 2. Place the milk and wine in a saucepan and heat while stirring. 3. When hot whisk in enough roux to thicken, about 3 heaping tbs. 4. Whisk in the remaining ingredients and continue cooking until all of the cheese is melted while whisking.

(Limit: One kids meal per adult entree)

F

ondue is a Swiss dish and was very popular in the 60’s and 70’s and has resurfaced in the last several years. So if you run across your mom’s old fondue pot, drag it out and use it. You could also pick one up at Good Will or another second hand store for pretty cheep. Of course they will probably be a nice bright orange or avocado green. You can also find one at a kitchen store for a pretty reasonable price. If you don’t have one and you don’t want to go hunting for one you can always use a heavy bowl made of pottery raised with a candle under it or a small crock-pot. The traditional way to eat fondue is with boiled potatoes and bread. I like to add some steamed veggies. Feel free to use chunks of cooked chicken too. You can use other cheeses but the Gouda and Râclette are more traditional. Another combination could be cheddar cheese and Monterey jack cheese and add some green chilies while omitting the wine. You would need to cut back on the roux if you left out the wine.

Be creative, have fun and enjoy!!!

These Unique and Delicious Recipes are presented to you by Pat McClelland - owner of Bella Panini in Palmer Lake and Bayou BarBQ in Monument

BREAKFAST SUNDAY 8:30-10:30am Biscuit & Gravy $1.95 ALL DAY Sunday Sun - Mon - Tue 11:00 - 3:30 Wed - Thur - Fri - Sat 11:00 - 8:00

481-TOOT 8668

Serving Anne & Mann’s Gourmet Ice Cream

24 Hwy. 105 in Palmer Lake

CLOSED FOR THE SEASON January 5 through March 9, 2009 Thank You for Your Business

Rock House Ice Cream

488-6917

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

Vino-Bits “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 105 between Palmer Lake & Monument. Hours: Tuesday - Saturday 11am to 6pm.

488-3019

or www.thewineseller.net

Wine Appreciation & Tasting Tips

brought to you by Dirk at The Wine Seller

WINEMAKING WONDER WORDS

T

he vinification end of wine producing falls into two parts: fermentation, the period when the grape juice turns into wine, and maturation (or finishing), the period following fermentation when the wine settles down, loses its rough edges, goes to prep school, and gets to meet the world. Depending on the type of wine being made, the whole process can take three months or five years---or even longer if the bank isn’t breathing down the winery’s neck!

15

BAYOU BARBQ CAJUN & BARBQ Fare Dine-in or Take-out

Tuesday - Saturday 11:00am - 8:00pm

WEDNESDAY IS CATFISH DAY! 481 Hwy. 105, Suite G • Monument, CO

(719) 488-2799

Website: BAYOUBARBQ.COM


SNIPPETZ PETS ®

WHAT A CUTIE!

Chyanns’ Pet Care SPECIAL NAILS • EARS • ANAL $20 (REGULARLY $8 EACH)

Gentle handling, clean, fun for you, and your pet! Grooming with TLC since 1983 • Scissoring, Big Dogs, Cats GIFT CERTIFICATES AVAILABLE • Special Expires April 30, 2009 Cheryl Rogers - Owner/Operator 79 4th Street (4th & Washington) Monument

Paws Corner By Sam Mazzotta

T

his little cute fella is Sam. Sam is about 14 weeks old now and part Aussie Shepherd and Border Collie. These two breeds can produce an active dog! Sam will need a secure fenced in yard to play. He is all boy! He’s very playful and lovable and not shy. Sam has his shots but not his rabies shot and has been dewormed. He is mostly black with some white on his chest area. If you are interested in adopting Sam into your heart and home please call SAINT Animal Rescue located in Calhan. Our phone number is 5413099 but you might need to use the 719 area code.

asks the adopter to give the animal a reasonable amount of time to adjust to it’s new family and environment. This is so very important to your new family member as well as your existing family members. Please visit our website at saintanimalrescue.org and as always thank you for caring. “Dogs are not our whole life, but they make our lives whole.” - Roger Caras

It is always a challenge when adopting a new pet. SAINT Animal Rescue

OLD-TIME REMEDY FOR EAR INFECTION DEAR PAW’S CORNER: I read your column about the Shih Tzu and its problem with ear infections, and wanted to pass on something I learned many years ago from an old-time eye, ear, nose and throat specialist. This also works for children who are prone to swimmer’s ear. I had two hunting breed dogs with long ears, and we lived right on the shores of Lake Michigan, so they were constantly having ear problems. What the doctor told me is as follows: Have the patient lie with the bad ear up. Using a plastic eyedropper filled with hydrogen peroxide (dilute peroxide with water before use), gently squirt the contents into the ear. Allow this to bubble for at least a minute. Thoroughly dry the ear, and use Q-tips carefully to clean out the debris. After

Get Plugged Into Your Energy Use! Go to MVEA’s web site at

www.mvea.coop

and get your energy eĸciency program started today! www.mvea.coop 719-775-2861 800-388-9881 719-495-2283

16

(719) 488-9474 chyrog1@msn.com

the ear is as dry as possible, tap Desenex powder down into the ear with the patient lying on his or her side again so the powder gets down into the ear. This may have to be done every other day for a week, but it worked for me -- both with my dogs and my children. I hope this treatment helps “Sandy.” -- Bernie W. in Ormond Beach, Fla. DEAR BERNIE: This type of treatment is available (for humans) in a kit at drugstores featuring a diluted solution of hydrogen peroxide. I would exercise caution in using this treatment with small dogs, however. I also strongly recommend that owners whose pets are experiencing an ear infection, either for the first time or recurring, go to their veterinarian first to have the ears examined. The vet should test for evidence of ear mites, a yeast infection or other cause. Ear mites can be quickly treated, but recurring ear infections can be trickier -- topical medicines often only treat the symptoms, and the cause, such as allergies, can take more time and effort to diagnose.

Send your tips, questions and comments to Paws Corner, c/o King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or e-mail them to pawscorner@hotmail.com. (c) 2009 King Features Synd., Inc.


SNIPPETZ® BUSINESS AND FINANCE

YOUR TIMING

FINANCIAL FOCUS

TIME MAY BE RIGHT TO CONVERT TO ROTH IRA

WON’T BE OFF

WHEN YOU INVEST REGULARLY. If one of your worries is whether you're investing at the right time, it shouldn't be. By investing a set amount of money regularly, you establish a simple routine that can help make your financial goals a reality. In addition, investing regularly can: � Make it possible to use market fluctuations

Provided by Adam Grayson of EdwardJones Investments

to your advantage

� Add potential growth and diversification

to your portfolio

� Keep your long-term financial goals in focus Investing a set amount of money on a regular basis does not ensure a profit and does not protect against loss in declining markets. Such a plan involves continual investment in securities regardless of fluctuating price levels of such securities. You should consider your financial ability to continue the purchases through periods of low price levels.

To learn how investing on a regular basis can help you reach your financial goals, call or visit your local financial advisor today. Adam R Grayson Financial Advisor .

755 Hwy 105 Suite M-4 Palmer Lake, CO 80133 719-481-4964

www.edwardjones.com

Member SIPC

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D

o you regularly contribute to a Traditional IRA? If so, you’re taking an important step toward building financial resources for retirement. But it’s possible that you could take an even bigger step— by converting your IRA to a Roth IRA. And you may have two especially good opportunities to make this conversion in 2009 and 2010. Before we examine why this may be so, let’s take a quick look at the differences between a Traditional IRA and a Roth IRA. Depending on your income level, your contributions to a Traditional IRA may be tax deductible; regardless of your income, your earnings grow tax deferred. With a Roth IRA, your contributions are never deductible, but your earnings grow tax free, provided you’ve had your account for at least five years and you don’t start taking withdrawals until you’re 59-1/2. However, if your modified adjusted gross income exceeds certain levels ($120,000 per year if you’re single and $176,000 per year if you’re married and filing a joint return), you can’t contribute to a Roth IRA. Here’s another distinction between the two types of IRAs: With a Traditional IRA, you must start taking required minimum distributions (RMDs) when you reach 70-1/2. But if you own a Roth IRA, you are never required to take distributions, so you can let your money grow as long as you can afford not to touch it. Which IRA is “better”? There’s

no one right answer for everyone. Generally speaking, though, the combination of potential tax-free earnings and no RMDs might make the Roth IRA an attractive choice for most people. Additionally you have access to the money you put into the Roth tax-free and penaltyfree at any time, as long as you are not withdrawing earnings. So, if you have a Traditional IRA, you might wish to convert it to a Roth — if you can. If your adjusted gross income is more than $100,000, you can’t make the conversion in 2009. Also, keep in mind that any conversion will require you to pay income taxes on your pre-tax contributions to your Traditional IRA and any growth in your account’s value. If you meet the income limits for a conversion in 2009, you might want to consider doing so, because your tax obligation for a Roth conversion might be lower in 2009 than it would have been in previous years. Following last year’s steep market decline, the value of your IRA may be down significantly — and, generally speaking, the lower the value, the lower the tax bill upon conversion. Furthermore, if your income is somewhat dependent on the state of the economy, you could end up with lower earnings in 2009 — another factor that could lessen the tax impact of a Roth IRA conversion. Even if you don’t make the conversion in 2009, though, you may still want to consider this move next year. In 2010 — and in 2010 only — you can convert your Traditional IRA to a Roth IRA regardless of your income level. Furthermore, the income taxes due on conversion can be spread over two years — 2011 and 2012. So contact your financial and tax advisors to determine if a Roth IRA conversion is appropriate for you. Over the next two years, you’ve got a good window of opportunity to make this move — so you’ll want to act before that window closes. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. For additional information, contact:

Adam Grayson 755 Hwy.105, Ste M-4 • Palmer Lake, CO

719-481-4964

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Phone: (719) 488-9898 • Fax: (719) 488-0988 481 Hwy. 105, Suite B • Monument, CO 80132 • Monument Plaza

$349,900 OBO or $1850 per month 17


®

SNIPPETZ BUSINESS AND FINANCE

PAYDAY LOAN CAN PUT MONKEY ON BACK

J

ust a few years ago it was folks who lived paycheck to paycheck who were more likely to take out a payday loan. Not so anymore. With the down economy, many people are scrambling to get cash from anywhere they can -- including payday loans. Payday loans aren’t always the quick fix that borrowers hope. Sometimes they lead to increased debt. Here’s how a payday loan works: You apply for a loan, say for $250. You’ll be charged a fee, possibly $50, which comes off the top. You write a postdated check for the full $300 (the check is your collateral) and receive $250 in cash. At the end of the period, perhaps two weeks, the lender deposits the check -- or you go in and pay the $300 in cash. If you don’t have the money, the lender will be happy

Lisa Welch Stevens Attorney at Law, P.C. Admitted to Colorado State Bar and U.S. Federal Bar for the District of Colorado ❖

Business Formation

Business Planning

Intellectual Property

Employment Law

Mergers and Acquisitions

Wills, Estate, Probate

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

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to roll it over into another loan, which will include more fees. If another $50 fee is tacked on, you’ll then owe $350 on a $250 loan. If you don’t pay, they’ll cash that check, leaving you with even more problems, this time with the authorities for writing a “bad” check.

funds transfer out of your account. When it comes to the loan itself, the question to ask yourself is: Will it be putting money in -- or taking more money out? A number of states have legislation in the works to cap the annual interest rate, generally at 36 percent. Some states have already done this.

If the lender takes you to court to seek repayment for the bad check, some states allow a “three times the amount” penalty to the payee. You’ll pay that, plus non-sufficient funds charges at the bank.

If you need cash, do anything you can to get it elsewhere. If you’re caught up in a loop of ever-increasing payday loans, seek counsel at your local Legal Aid.

Online, the situation can be even more serious, and the opportunity for scams is rampant. For a lender to electronically deposit the money, it needs your bank account number, as well as personal information that likely includes your Social Security number. You may be required to pay an upfront fee for the loan, thereby giving the lender permission to do an electronic

David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail.com. (c) 2009 King Features Synd., Inc.

• Purpose of the agreement; • Representations, warranties, guarantees, definitions;

THE LAW ACCORDING TO STEVENS

• Performances and payments required of the parties; • Events breach;

of

default

or

• Remedies for default or breach; • Releases and indemnifications;

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

BUSINESS CONTRACTS: THE ESSENTIALS © Lisa Welch Stevens, Esq., July 2005

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;

18

• 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 specific situation. For additional information contact, Lisa Welch Stevens, Attorney at Law P.C. Representing Colorado Businesses and Business Owners 719.488.9395


®

SNIPPETZ BUSINESS AND FINANCE

2009 MVEA Board Nominations Now Open Three directors will be elected to Mountain View Electric Association’s (MVEA) Board of Directors this year from the following districts: • District 1 • District 4 • District 6

Limon, Karval, Genoa and surrounding areas (incumbent Joe Martin) Calhan, Peyton, a portion of Black Forest and surrounding areas (incumbent Milt Mathis) Falcon, Cimmaron Hills, a portion of Black Forest and surrounding areas (incumbent Barry Springer)

If you, or someone you know, is interested in being a candidate, please contact a member of the nominating committee. A candidate must be an MVEA member and reside in the district where there is a vacancy. Before applying, please contact either MVEA ofce at 719-775-2861 or 719-4952283 to verify your district. Candidate information must be turned into the committee by 5:30 p.m., Monday, April 20, 2009. A member may also petition for nomination. Petitions are available at either MVEA ofce or online at www.mvea.coop. Petitions must be signed by 15 members of MVEA residing in the district where there is a vacancy. It must be returned to either MVEA ofce by 5:30 p.m., Monday, April 27, 2009. An application must also be completed for either the verbal nomination or petition. The application can also be found on MVEA’s web site or you may pick one up at either ofce. If you have questions, please contact a member of the nominating committee.

Nominating Committee: District 1 Michael Bass PO Box 86 Limon, CO 80828 719-775-2683

District 4 Byrel Woolsey PO Box 126 Calhan, CO 80808 719-347-2750

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TRI-LAKES VIEWS ANNOUNCES SCULPTURE CHOICES FOR ARTSITES 2009

T

ri-Lakes Views has chosen the first two sculptures that will be part of the annual ARTSites public art exhibit. The two pieces, Blade of Grass and Perception of Freedom, will be placed at the new Monument Town Hall building at the corner of Beacon Lite and Highway 105 in Monument. Installation is set for late spring of this year.

Lou DeAngelis, who did Blade of Grass, has a background in masonry and has pieces displayed in cities across the country.

Tri-Lakes Views began sponsoring public art last year with the installation of Ice Harvest, the mural on the corner of Beacon Lite and Second Street in Monument, and continues with ARTSites 2009. The pieces will be on display and for sale for one year and will not be removed until next year’s pieces are chosen to replace them. The artists, Janet Lee Sellers, Glenn A. Hayes and Lou DeAngelis, were chosen by a panel of judges from a group responding to a Call To Artists reaching artists across Colorado.

Tri-Lakes Views was founded in 2002 to address a lack of local support for the arts and historic preservation. The group set out for itself three tasks: 1) Through sponsorship, fundraising and donations create a continuous source of funding for the arts and history of the Tri-Lakes region; 2) Create annual events focusing on the Tri-Lakes valued heritage and featuring the fine arts, and; 3) Be supported by a majority of the local groups and organizations, thereby encouraging a sense of community.

Janet Lee Sellers and Glenn A. Hayes collaborated on Perception of Freedom. Janet currently covers the arts for Our Community News and has experience in the arts spanning over three decades. Glenn, a Certified Manufacturing Engineer, has his art pieces and building remodeling work throughout Colorado.

Further information on ARTSites, sponsorship, volunteering or Tri-Lakes Views can be found on the website, www.trilakesviews.org, or by contacting Karen Ball, (719) 481-5658.

Tri-Lakes Views is a 501(c)3 organization whose mission is: To enrich our community by supporting activities which showcase the arts and preserve the region’s unique history. Its volunteer committee includes members of the business and residential communities of the Tri-Lakes region.

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Top picture: “Perception of Freedom” Bottom picture: “Blade of Grass”


SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

Sports Quiz

By Chris Richcreek

1. GEOGRAPHY: What U.S. state does the Kennebec River flow through? 2. FAMOUS QUOTATIONS: Who once said, “There’s no trick to being a humorist when you have the whole government working for you”? 3. MOVIES: In which movie was the following line uttered and by which character? “Fat, drunk and stupid is no way to go through life, son.” 4. ANATOMY: What human gland produces growth hormones? 5. MUSIC: In musical notation, what does the direction “mezzo” mean? 6. GENERAL KNOWLEDGE: Of the seven deadly sins, which one is missing from this list - avarice, envy, gluttony, lust, sloth and wrath? 7. ENTERTAINERS: What was comedian Jackie Gleason’s famous parting line? 8. LANGUAGE: How would you describe someone who is “garrulous”? 9. TELEVISION: Cult favorite “Twin Peaks” was set and filmed in which U.S. state? 10. TRANSPORTATION: Where might you ride a “vaporetto”?

1. Name the last National League team to appear in the World Series two consecutive years. 2. The Pittsburgh Pirates tied a National League record in 2008 for most consecutive losing seasons (16). How close have they been to a winning season during that time span? 3. From 2001 through 2004, quarterbacks won The Associated Press NFL MVP award each year. Name three of them. 4. Tyler Hansbrough became the alltime leading scorer in University of North Carolina men’s basketball history during the 2008-09 season. Whose mark did he topple? 5. Who is the winningest U.S.-born coach in the history of the NHL? 6. Penn State women’s volleyball team won its second consecutive NCAA championship in 2008. Name the school it beat in the finals both years. 7. Name the last American golfer to be the LPGA Tour’s leading money winner for a season.

(c) 2009 King Features Synd., Inc.

(c) 2009 King Features Synd., Inc.

1. Name the 1963 instrumental hit by the Safaris. 2. Name the singer whose 1971 hits include “Moon Shadow” and “Peace Train”? Bonus: What is his current name? 3. What is the better-known subtitle of Rupert Holmes’ 1979 hit, “Escape?” 4. What was Led Zeppelin’s alternate name choice when the band first formed? 5. What band gave guitarist Eric Clapton his start? 6. How did Duran Duran get its name? (c) 2009 King Features Synd., Inc.

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 (21).

New DVD Releases for Week of Feb. 23, 2009 PICK OF THE WEEK “What Just Happened?” -- It’s been more than a decade since director Barry Levinson and Robert De Niro teamed up for “Wag The Dog.” Now they’re back together for another black comedy; but instead of skewering politics, they’ve trained their satirical sites more close to home: Hollywood. “What Just Happened?” is a dark and com-

ic look at the behind-the-scenes absurdity of the Hollywood system. De Niro plays a producer named Ben who is trying to save a disaster of a movie from its manic Cockney director (Michael Wincott) who not only wants to kill off the hero of the film (Sean Penn) but also his dog.

from what I’ve read, the series finale of the show. The main plot revolves around a proposed “biggest miniature golf course in the universe” that will require the demolition of an entire arm of the Milky Way -- with the first hole on one of Pluto’s moons, a 6-billion-mile par 2.

Throw into the mix Bruce Willis (playing “himself”), who adamantly refuses to shave off his ridiculous beard for his next film role; Catherine Keener as an eccentric studio boss who issues directives whilst sitting on the toilet; and John Turturro as an agent who has a phobia of talking to his clients, and you’ve got a recipe for outstanding comic performances within a bitingly satirical film. ALSO

Professor Farnsworth is hired to do the environmental impact study, while Leela joins an eco-feminist group to protest the building of the course. Fry is on Mars doing some demolition work when a piece of women’s jewelry gets lodged in his brain, giving him the ability to read minds.

“Futurama: Into The Wild Green Yonder” -- This is the last of the four direct-toDVD releases in the Futurama series, and

The preserved head of Penn Jillette makes a cameo, as does Snoop Dogg; and Seth McFarlane of “Family Guy” sings the opening song. Special Features include: audio commentary from just about everyone, Docudramarama: “How We Make Futurama So

20

Good,” How To Draw Futurama in 10 Very Difficult Steps, Zapp Brannigan’s Guide to Making Love at a Woman, and much much more.

TV SERIES “Breaking Bad” The Complete First Season “Girlfriends” The Sixth Season “Dirty Jobs” Collection 4 “Just Shoot Me” The Complete 3rd Season “The Universe” Collector’s Edition Megaset “My Wife and Kids” Season 1 “The Red Green Show” 2001 Season “The Best of the Flatt and Scruggs TV Show” Vol. 8 “Love Hina” Box Set “Cities of the Underworld” The Complete Season 2 (c) 2009 King Features Synd., Inc.


SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS

LIBRA (September 23 to October 22) Getting out of an obligation you didn’t really want to take on can be tricky. An honest explanation of the circumstances can help. Next time, pay more attention to your usually keen instincts.

1. Maine 2. Will Rogers 3. “Animal House” (Dean Wormer) 4. Pituitary 5. Middle or moderate 6. Pride 7. “And away we go ...” 8. Talkative or chatty 9. Washington 10. Venice, Italy. A vaporetto is a motorboat used for transport in the canals.

FEBRUARY 23, 2009

SPORTS QUIZ ANSWERS 1. The Atlanta Braves in 1995-96. 2. They were 79-83 in 1997. 3. Kurt Warner (2001), Rich Gannon (2002), Steve McNair (co-winner 2003) and Peyton Manning (cowinner 2003, 2004). 4. Phil Ford tallied 2,290 points during his Tar Heel career (1974-78). 5. Peter Laviolette, who in 2008 surpassed John Tortorella’s 239 career victories. 6. Stanford. 7. It was Betsy King in 1993.

FLASH BACK ANSWERS 1. “Wipe Out,” intended as the B-side song on a 45rpm record, reached No. 2 on the charts. The A-side, “Surfer Joe,” never did take off. 2. Cat Stevens (born Steven Demetre Georgiou). He converted to the Muslim faith in 1977 and took the name Yusuf Islam. 3. “The Pina Colada Song” was almost known as something else: The line was originally, “If you like Humphrey Bogart.” 4. On the list of possibilities were Whoopie Cushion and the Mad Dogs. A better name was chosen when others mentioned that the band would go over like a “lead balloon.” 5. Clapton started with the Yardbirds in 1963. 6. The British band took its name from the evil-scientist character in the 1968 sci-fi movie “Barbarella,” Dr. Durand Durand.

ARIES (March 21 to April 19) Try to say as little as possible about the work you’re doing through the end of the month. Then you can make your announcement and accept your well-deserved plaudits.

SCORPIO (October 23 to November 21) Use your Scorpion logic to push for a no-nonsense approach to a perplexing situation. This could help keep present and potential problems from creating more confusion.

TAURUS (April 20 to May 20) You face a more difficult challenge than you expected. But with that strong Taurean determination, you should be able to deal with it successfully by week’s end.

SAGITTARIUS (November 22 to December 21) A friend’s problem might take more time than you want to give. But staying with it once again proves the depth of your Sagittarian friendship and loyalty.

GEMINI (May 21 to June 20) Before you act on your “feelings” about that upcoming decision, it might be wise to do a little factchecking first. You could be very much surprised by what you don’t find.

CAPRICORN (December 22 to January 19) The Sea Goat can benefit from an extra dose of self-confidence to unsettle your detractors, giving you the advantage of putting on a strong presentation of your position.

CANCER (June 21 to July 22) A recent workplace success can open some doors that were previously closed to you. On a personal level, expect to receive some important news from a longtime friend and colleague.

AQUARIUS (January 20 to February 18) You might want to ask a friend or relative for advice on an ongoing personal matter. But be careful not to give away information you might later wish you had kept secret.

LEO (July 23 to August 22) Put your wounded pride aside and do what you must to heal that misunderstanding before it takes a potentially irreversible turn and leaves you regretting the loss of a good friend.

PISCES (February 19 to March 20) Use the weekend for a creativity break to help restore your spiritual energy. Once that’s done, you’ll be back and more than ready to tackle whatever challenge you need to face.

VIRGO (August 23 to September 22) One way to kick a less-than-active social life into high gear or rebuild an outdated Rolodex file is to throw one of your wellorganized get-togethers for friends and associates.

BORN THIS WEEK: You get great joy out of creating beautiful things and sharing them with others who appreciate them.

21

(c) 2009 King Features Synd., Inc.


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FOR SALE

FOR SALE

SNOW THROWER Troy-bilt, 5 HP, Two-Stage 21�, Electric Start, Tire Chains, Extra Belts, Very Dependable. $350 obo. 719-487-8555

IN HOME GYM Marcy Equipment. Good Condition. $150 Call: 719-481-3378

FOR SALE Used washer and and new gas dryer - $200. Stock Isusu rims with one mounted tire and running board w/extras. $175 719-481-2513

AFFORDABLE HORSE BOARDING

WILL TRADE WORK I Will trade work for a 4x4 pickup truck. Framing, tile, drywall, paint, maint. 719 487 7559

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

SERVICES

REAL ESTATE

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EXPERT REMODELING For kitchens, baths, additions, basements, decks and more. I am local, licensed and insured. 30+ years in the business. Dennis or Marilyn: 481-8828 / c: 510-2538

2 BEDROOM APARTMENT FOR RENT No smoking. No pets. Shared utilities. Quiet and secluded. Must See! $800/mo 719-481-3458

PALMER LAKE OFFICE / STORE FOR RENT 400 sq. ft.. $425 per mo. + Utilities 719-481-2671

EXECUTIVE HOME FOR RENT OR LEASE W/OPTION TO BUY IN PALMER LAKE 4 bedroom/3 bath. Fenced yard and 3 car garage. (970) 901-5062

EXECUTIVE HOME FOR RENT IN KING’S DEER 6,400 sq. ft. 7 bedrooms, 7 baths. 6 car garage. Contact Gene: 719-491-9634

WOODMOOR HOUSESHARE Large MBR with pvt bath for $600/ mo. Another bedroom avail with shared bath for $450/mo. Utilities to be shared. Non smokers please and no pets. Avail immed. Call 481 5701.

BEAUTIFUL SELF-CONTAINED 1-BEDROOM APT For rent in rural Monument, walkin-closet, 800 sq ft - $650/mo. more info at www.nyagregoreron.net/4rent.html#apt or call Paul or Nya at 719 487 3113

MOUNTAIN VIEW HOME FOR RENT Monument - 3 bed/3 full baths, 1.5 acres w/privacy & MTN VIEWS! Fenced back yard - dogs OK, central A/C, 2 car garage, ďŹ nished walk-out basement. Only $1,650/ mo. Call Keith (303) 888-6655, go to http://denver.craigslist.org/ apa/926476325.html

MEETINGS & EVENTS Do you need a place for your group to meet or to hold an event? We have lots of space for groups from 2-150 people. Food, beverage and entertainment services also available. VERY reasonable rates – in some cases there is no charge for meeting space. Call Debbie at PINZ 487-7469 for more info.

HELP WANTED

STYLIST WANTED With established clientele. Booth rent. Full time / Part time 719-338-9423 LEAD GRAPHIC DESIGNER* Job Description: We seek an experienced graphic designer who is capable of working collaboratively and individually on projects ranging from company identity to complete advertising campaigns. The ideal candidate is proďŹ cient with Adobe InDesign, Photoshop, and Illustrator for design work as well as photo editing skills. The candidate must be comfortable working with clients, meeting deadlines, and multi-tasking. Additional skill in Adobe Dreamweaver and Flash for web design is preferred but not required. We have a fun team, so we are looking for someone who is upbeat and friendly. Call 4871779 email resume to: renee@ kirklandphotography.com

LOOKING FOR GREAT CHILD CARE? Try Imagination Destination Learning Center. Ages 3+ (Preschool / Pre-K) Mon-Fri 7AM6PM. Lunch and snacks provided. Experienced teacher. Low Ratio! Daily themes and activities. Call: Kathy Webb 719-487-8104

TUTOR

CERTIFIED SPECIAL ED TEACHER 10 yrs. exp. Students grade 1-6: reading, writing, language arts. Math through grade 5. My home or yours. Flexible hours - nights and weekends. Only $25 per hour. Call: 599-8867 or cell: 650-0001 WANTED: PIANO PLAYER Experienced piano player wanted for regular sing-a-longs in our lounge. Must have expansive repertoire of current and standard popular songs. To audition, please call Debbie at PINZ 487-7469.

Dyan Underhill, MHA, MAEd Doctoral Candidate, Higher Education Independent Education Consultant Tutoring-SAT Prep-College Applications-Career/College Prep Call for your appointments today! 719.313.1999 (First session 50% discount)

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SNIPPETZ® REAL ESTATE up with your total pay off. There are “hardship” qualifications (such as job loss, relocation, divorce) that you must meet before you are eligible for a short sale. Once the property is listed and a “short” offer is accepted by the bank, a “short sale” closing occurs.

Article by Robyn Graham RE/MAX Properties, Inc. Your El Paso County Certified Distressed Property Expert!

YOU DON’T HAVE TO LOSE YOUR HOME IN FORECLOSURE! You Have Options!

B

ecause of today’s economy, every day more people are slipping closer to the threat of foreclosure. If this is you, or someone you know……Do Not Freeze Up! There are options, and I am going to explain some of them here. First of all, the bank does not want to own your home through a foreclosure! They are not in the business of re-selling homes, therefore they will work with you…..but there is a timeline involved and you must be educated on what to do and who to talk to. “Paying up or Moving out” is not your only option. Potential solutions may be: • Negotiating a modification of the loan. • Refinancing the loan. • Listing the home through an agent for a possible “short sale.” If you have first talked to the current lender and are not able to negotiate a modification of your loan, and you have also spoken with that lender or another lender to see if your situation qualifies to refinance the loan, and you are still hitting a brick wall, we need to talk about doing a Short Sale. A Short Sale occurs when the current value of a home is less than the amount owed on the property. You must combine the amount owed on the loan (including late fees, etc.), the closing costs and the real estate commissions in order to come

If a Short Sale is handled properly, this process should take 60 to 90 days. Your bank will hold off on the foreclosure if we get an acceptable offer on the house! It is imperative that a qualified real estate agent who is a Certified Distressed Property Expert be hired to list the home and represent the buyer in order for the extensive paperwork and negotiations with the lender to be done properly! Here are the facts about Short Sales vs Foreclosures: • Credit History: Foreclosures remain on your record for 10 years or more. A Short Sale is not reported on your credit history. • Credit Scores are lowered: Short Sale - as little as 50 pts. Foreclosure - 250 to over 300 pts. • Waiting period before you may be eligible for a Fannie Mae backed Mortgage for your Primary Residence: Short Sale 2 years Foreclosure - 5 years. • Interest Rates on future loans are affected if you Foreclose, but not if you have a Short Sale. • Employment Consequences for Foreclosures (that are not affected by Short Sales): In jobs that require Security Clearances, your position will be terminated! Also, current and future employment can be challenged, reassigned or terminated! • ALL Foreclosures incur a Deficiency Judgment, and yet you may be able to negotiate with the lender to release or lower the Deficiency Judgment in the case of a Short Sale.

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For more information about the Short Sale Process, go to www.CertDPE.com. Be sure to always consult your accountant and/or your real estate attorney for details regarding how your options will affect your particular situation. For Additional Information, email questions to Homes@Robyn Graham.com -- please put “Real Estate Rap” in the subject line. Or call 719-216-4421 or 888-481-8641 Toll Free

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CENTURY 21 HOLT REALTY

WITH NORTH & SOUTHWEST LOCATIONS

Buying or Selling? Call The Best

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Elbert Rancher $479,900 Gorgeous 4/3/3, 3,676 sq ft, built ‘02, 5.0 acres, large new barn

HELPING YOU WITH YOUR PURCHASE

Specializing in residential, commercial, land and investment properties, we provide representation at no cost to you when purchasing a home, new or pre-owned. We also have access to a large international relocation network for those moving out of state. Put our top negotiating skills to work for you, call us at 719-238-9973.

North Gleneagle Ranch $329,000 Bright, sunny 4/3/2 built 1999 w/ 3,328 sq ft, A/C, tile. Finished LL with work/craft room.

WORKING HARD TO SELL YOUR HOME

We provide one of the best marketing packages for your home, using strong online exposure in the most popular real estate websites combines with traditional print advertisement. Call us for your free market analysis and take the first steps in selling your home, call us at 719-238-9973. Don’t forget to ask about our virtual tour packages.

Briargate 2-Story

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Covering Monument, Palmer Lake and Colorado Springs, we offer services including: rental listings, full service property management, and will help you find a rental. Call us at 719-238-9973.

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5/4/2, 3,072 sq ft, Great floorplan, location!

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With two locations to choose from, one in North Academy and the other on 8th Street. We have you covered. We offer no desk fees, 100% commission plans, one-on-one training, Global Referral Network, online training resources and more! Join our team or Real Estate professionals, Call Alberto at 719-238-9974.

Call 719-238-9973 to view any of these Great Properties!

ELK CREEK RANCH 2-Story $359,900

4/3/2, 3,198 sq ft, 5 Acres, Immaculate!

Woodmoor 2-Story $460,000 7/4/3 with 4,041 sq ft. Yes, 7 bedrooms! Great yard & deck.

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Black Forest Custom built quality 2X6 construction. Lots of natural light in this home! Located in quiet treed neighborhood within cul de sac. Area features riding trails & ponds. and 2.5 acres of serenity in the trees ready for your horses! MLS #570532 $370,000

Great Turn of the Century Home With tons of ambiance. Desirable downtown area walking distance to trails & park. Completely renovated kitchen w/ all new stainless appliances. Hardwood floors on main floor and upper level. MLS #507572 $179,000

Composite

I am a Distressed Property Expert! If you are facing Foreclosure, call me to talk about your Options!

Constitution Hills

5 Acres Homesite in Hawk Ridge With unobstructed Pikes Peak and front range VIEWS! Perfect lot for walk out lower level. Soil and Perc tests available. MLS #435721 $199,000

Elegant Home in Wagon Trails N/E This 3BR, 2.5BA, 3CAR home includes stucco exterior, central air, master suite and more. Access to community pool and tennis! MLS #527855 $264,900

Clean and well maintained 2,562 sf home. 3 bedrooms on the main level including master bedroom w/ private bath. Great open living & dining areas w/ vaulted ceiling and gas fp. Fantastic tiered and landscaped back yard w/ patios. Finished basement w/ large rec rm. and additional bedroom & full bath for guests. Great location close to all! MLS #470296 $207,000

514 So. Weber St. (at Cimmaron) Zoned C6, Duplex, 4 Bdrm, 2 Bath

SHORT SALE!!! INCREDIBLE!

Needs Cosmetic Work $247,000

3B, 3B, 2C South Co. Springs

Large Lot With Lots of Possibilities Charming 4BR, 2BA Bi-level home with a large fenced-in yard. Home includes renovated bathroom with marble-like tub suround, new sink and faucets. large family room. Kitchen walks out to wood deck. All appliances stay including washer, dryer and stainless refrigerator. MLS #467930 $189,500

518 So. Weber St. (at Cimmaron) Zoned C6, Possible Retail or Offices w/ 3 Bdrm Upstairs

Lots of Custom Tile Work 5BR, 3BA home in Village Seven area features a kitchen with granite tile counters, travertine backsplash, hickory cabinetry, wood flooring and more. Lots of custom tile work throughout. The yard is a gardeners delight with covered deck covered, grape vines and shed. Great location walking dist to trails, parks and community pool! MLS #504552 $229,000

&

Elaine Alberto del Toro

$168,000 www.3582Venice.info

Needs Rehab Work $256,880

‘98 Parade of Homes Winner ! 5B, 5B, 3C, 3 Acres N. Blk Forest $829,900 www.20175Wissler.com

Fantastic Find in Palmer Lake! 4 bedroom / 2 bathroom / 1,505 sq ft Great rancher situated on a nice level lot with mountain views. Bright and open with vaulted ceilings, vinyl windows and a deck off the master bedroom. Fully fenced back yard and a covered front porch make this home one worth seeing MLS #423842 $199,900 (Rent for $1,000/mo.)

Each Office Is Independently Owned And Operated.

522 So. Weber St. (at Cimmaron) Lot Zoned C6 (current lease) $237,120

Alberto 719-238-9974 adeltoro@twest.com

Condo in Southeast - Great Rental ! 2 Bed, 2 Bath, 2 Pk Spc Co. Spr. $77,000 www.2322Lexington.com

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Elaine 719-238-9973 edeltoro@c21holtrealty.com

CDPE, ABR, GRI, QSC, CLHMS

719-216-4421 Search Entire MLS: www.CoSpringsMLS.com

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Snippetz Issue 382  

SNIPPETZ INVESTIGATES WHAT MOTHER GOOSE REALLY MEANT!

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