Snippetz Issue 424

All your protection under one roof.

©1997 American Family Mutual Insurance Company and its SubsidiariesHome Office – Madison, WI 53783

www.amfam.comNA-07497 Rev. 1/03

Larry E Stiltner Agency481 Hwy 105 Suite 212(719) 481-8382 BusMonument, CO 80132









SnIppeSnIppetz®

tznnInnnnnnnnnnnIIIIIIIIIpppppppppppppppp zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzOF NORTHERN EL PASO COUNTY & LARKSPUR

by Deborah Stumpf

SNIPPETZ YELLS BINGO!

FREE WEEKLY

ISSUE 424 • DECEMBER 14, 2009

FIRST NATIONALBANK MONUMENT625 Hwy 105

Member

719-481-0008

Merry Christmas&

Happy New YearFrom Your Friends at First National Bank of Monument

Snippetz Yells Bingo! ... Continued on Page 2

How do you get three little old ladies to say “damn?”

Get a fourth one to say “Bingo.”

Surprisingly, thirty percent of bingo players are under age 35; and, with the onset of online bingo, the game

is no longer associated with little old la-dies. The average age of online players is 41. However, more than 1 billion people still play bingo in bingo halls across the nation. It’s been a favorite pastime world-wide for centuries.

AN HISTORICAL PERSPECTIVEThe game of Bingo goes back to 1530 to an Ital-ian lottery called “Lo Giuoco del Lotto D’Italia.” Italians still play the game every Sunday. France took up the game in the late 1770s. Called “Le Lotto,” it was a game for wealthy Frenchmen. In the 1800s, Germany caught on to bingo and used it to teach children how to spell and learn math and history.

In 1929, bingo was introduced in North America – only it was originally called “beano.” The orig-inal version had a dealer who would select num-bered discs from a cigar box; players would then mark their cards with beans and yell “beano” if they won. The fi rst game was played at a travel-ing carnival near Atlanta, Ga.

Snippetz Yells Bingo! ... Continued from Page 1

Snippetz Yells Bingo! ... Continued on Page 3

2

THIS WEEK IN SNIPPETZ

Cover Story

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

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

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

NEXT WEEK IN SNIPPETZ

FEATURE ARTICLESTai Yi - 3 Steps to Success... 4

Strange But True... 7

Moments In Time... 8

Senior News Line... 18

STYLE 5Kim’s Korner... 5

HEALTH AND WELLNESS 9

SNIPPETZ BUSINESS DIRECTORY PAGE 10

Local Businesses on the Go!

PETS 10SAINT Adoptions

Paw’s Corner

THE DINING GUIDE PAGES 11-13Comfort Foods Made Fast & Healthy... 12

Patricia’s Café... 13

Vino-Bits... 13

PUZZLES, TRIVIA,ENTERTAINMENT 14-15

Trivia Test • Sports Quiz • Flash Back

Super Crossword • Weekly Sudoku

Couch Theater DVD Previews

Huey’s Page (Comics)

Salome’s Stars (Weekly Horoscope)

BUSINESS AND FINANCEPAGES 16-17

Financial Focus ... 16

The Law According To Stevens... 17

Dollars and Sense... 17

REAL ESTATERobin’s Rap... 18

CLASSIFIED PAGE 19GREAT BARGAINS - Find Your Treasure!

Business / Employment Opportunities

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SNIPPETZ®

OF NORTHERN EL PASO COUNTY & LARKSPUR

SNIPPETZ YELLS BINGO!

A New York toy salesman, Edwin S. Lowe, took the game to the Big Apple and renamed it “bin-go” after he overheard someone accidentally yell “bingo” instead of “beano.” The Lowe Bingo Game had two versions: a 12-card set for $1; a $2 set with 24 cards.

When churches began to offer bingo as a fund-raiser, the game’s popularity spread like wildfi re throughout the country.

CASHING IN ON THE CRAZEA Catholic priest from Wilkes-Barre, Penn., approached Edwin Lowe about using bingo to raise funds to remodel his church building. After Lowe agreed, the priest held regular bingo nights and eventually raised enough money to not only remodel but also construct a new building.

By 1934, an estimated 10,000 bingo games were held each week as charity events throughout North America.

Colorado has about 63 bingo halls – some are in-dependent; others are connected to a few Moose lodges, VFWs, Elks and churches.

Bingo has become big business for nonprofi t or-ganizations and Native Americans.

In the U.S., 48 states and more than 100 Native American reservations offer legal bingo games.

RULES, RULES, RULES Because bingo involves money wagering activ-ity, it falls under gambling and is highly regu-lated.

Each state has a different set of policies govern-ing bingo and bingo operators. Some general rules nationwide:

• Bingo players must be at least 18 years old.

• Anyone closely affi liated with a bingo operator and employees are not eligible to play bingo.

• All bingo players must present valid identifi ca-tion.

• Regulating agencies must ensure that a bingo operation is fair and transactions are secure.

• Offshore bingo operators must be licensed within the state where they operate their busi-ness.

ONLINE BINGOIt’s a Web-based world, so why wouldn’t bingo fi nd an online niche? More than 3 million people regularly play online bingo, and there are more than 250,000 cash winners at online bingo sites every week.

Online bingo sites offer a variety of options, from playing bingo for entertainment only to non-cash prizes like electronics, subscriptions and gift cards. Most prefer to play for money. Cash prizes range from $1 to thousands for one single game. Online bingo has created the same kind of venue for developing friendships as the bingo hall. Online chatting is common during bingo games.

Online bingo sites offer free-to-play bingo games, along with a few pay-to-play games. Other sites allow players to simply purchase online bingo cards. The only difference between land bingo and online bingo is the latter is faster.

More than 80 percent of online players are wom-en, and people age 65 or older comprise only 2 percent of online players.

BINGO AND HAMBURGERS?Los Angeles is home to one of the most well known bingo games in the U.S. called “Leg-endary Bingo,” and it began in 1998 at a coffee house in L.A. When the coffee joint went out of business, Legendary Bingo headed over to Ham-burger Mary’s, a popular bar and restaurant in L.A. Legendary Bingo has raised almost $1 mil-lion for charities ranging from AIDS research to Habitat for Humanity to the arts.

Hollywood shows up for the games as well in the form of celebrity bingo callers. Included in the list is Ed Asner, Linda Blair, Ruth Buzzi, Cour-teney Cox, Daryl Hannah, Lisa Kudrow, Rod McKuen and Tori Spelling, to name a few.

SNIPPETZ TAKES A LOOKAT THE WINTER SOLSTICE

3

SNIPPETZ®


Snippetz Yells Bingo! ... Continued from Page 2

719-271-8742Almost Everything Fixed

Around the House

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ECLECTIC GIFTS CUSTOM FRAMINGGALLERY CENTER 366 SECOND STREET, SUITE BMONUMENT, CO 80132 www.bellaartandframe.com

P 719.487.7691 F 719.487.7410HOURS: Monday-Friday, 10 - 6pm Saturday-10 - 4pm

BUY ONE GET ONE FREE MONDAYS

Mondays 5:00–10:00PM

Every Monday, buy one entrée at regular price and

get the second FREE

WINE BARHAPPY HOUR

Monday through Friday 4:00–6:00PM

All wines by the glass and beer by the bottle

is half-price

HALF-PRICE BOTTLE NIGHTS

Wednesdays and Saturdays 6:00–10:00PM

Everything on our list, by the bottle,

half price

HALF-PRICE HALF PLATES

Thursdays 6:00–10:00PM

All of our half-plates

are half -price

ACOUSTIC MUSIC FRIDAYS AND SATURDAYS

Starting at 6:30PM Perfect music to accompany the

perfect glass of wine

366 Second Street (at the corner of Beacon Lite)—call 719.488.2506 online www.secondstreetart.com open monday through saturday 10am to 10pm

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Provencal Beef Ragoutslow-cooked for hours

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tomatoes, celery and

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creamy mashed potatoes

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chicken with wine

Glazed Gri l l ed Salmonsalmon with a sweet dijon

soy glaze served with

creamy mashed potatoes

and grilled prosciutto-

wrapped asparagus

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balsamic

Casarecce Pasta and Gri l l ed Chicken with a Sundried Tomato Cream Sauce

pappardelle-style pasta

with grilled chicken and

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Sausage Samplera sampler plate of

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bratwurst, beer bratwurst

and weisswurst served

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cabbage, german potato

salad and dipping sauces

Snippetz111209.indd 1 11/13/09 8:25:19 AM

The games are also held regularly in West Hol-lywood, Palm Springs and Newport Beach. As with other theme-based bingo games, Legendary Bingo is not geared for little old ladies, unless you’re a little old lady in drag. Acting as cheer-leaders, drag queens rally the players and keep the game lively.

Los Angeles Magazine called Legendary Bingo “one of the hottest, most dangerous things to do at night.” Well, what more can we say about that?

NOT JUST ONE KIND OF BINGO75 Ball Bingo: most commonly played in the United States. This form of bingo is played on a 5x5 board with 75 being the highest number on the card.

90 Ball Bingo: the preferred type of bingo game used in the United Kingdom. Players can win multiple prizes from the same board. The bingo card has 9 columns and 3 rows.

Regular Bingo: The participants play for just one prize. The fi rst person to cover a card in the pre-determined pattern wins.

Combo: more than one way to win and the same player can win twice or multiple players can win. For example, someone could win with a one-shape and another person may follow up that win with a four-corner pattern.

Pre-call: all cards are sealed. No one can see their cards until the game begins. These games are special events with big payouts.

Odd-Even: another sealed bingo card game where called numbers are either even or odd.

Progressive: big money bingo. The winner must get bingo in a pre-determined number of calls. If no one wins, the pot is carried over to the next round. The winnings grow until there is a win-ner.

BINGO FACTS• Other celebrity bingo players: Russell Crowe, Catherine-Zeta Jones, Queen Elizabeth II.

• Bingo is the No.1 community fundraising source in all of North America.

• The average Bingo game lasts between three and six minutes, with an average of 30 seconds to verify a winning claim.

• A professional bingo caller averages 23 bingo numbers called per minute.

• There are exactly 1,474,200 possible unique Bingo Card combinations in the traditional game of 75-Ball Bingo.

• Male Bingo players by the name of “Joe” win more often than male players with any other name.

• Female Bingo players by the name of “Marga-ret” win more often than female players with any other name.

• Bingo is the most popular pastime in the United Kingdom. More money is spent on bingo tickets in UK bingo clubs each year than on football and baseball games combined.

• More than 60,000 players participated in the biggest bingo game in history. The big game took place in 1934 in New York City’s Teaneck Armory; 10 cars were given away as prizes.

FOR THE ENTHUSIAST• There’s Bingo America on the GSN television station, which also has an online version.

• And there’s Bingo Caller Magazine, Bingo Scene Magazine and Bingo and Gaming Maga-zine – online or in print.

• And a song (maybe not related but who knows): “There was a farmer who had a dog, and Bingo was his name-o – B-I-N-G-O, B-I-N-G-O, B-I-N-G-O, Bingo was his name-o” – a simple song at that.

if you think you have it, just yell:

BINGO!

A FAMILY THAT “CLAY’S” TOGETHER…

Whimsical ceramic and clay works from Colorado Springs ceramic artist Paul Dahlsten. A one-of-a-kind gift for your family and friends.

We have the privilege of displaying, Tri-Lakes resident, THAD HANDRICK’S pottery lines. Thad’s pottery is as beautiful as it is functional and makes very useful gifts.

Come support the arts! We have several local artists displaying their fi ne fare!

Bella’s own ETHAN AHLSTROM won 2nd Place in PPFA’s Framers competition! It’s on display in the gallery. CONGRATULATIONS, Ethan!

4

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SNIPPETZ®


TAI YI :THREE STEPS TO A

MOST SUCCESSFUL TAI YI TREATMENT

Tai Yi (pronounced Tie Yee) means supreme movement and is a very benefi cial form of hands-on healing

that consists of 4,000 treatments for various ailments in the mind, body, and emotions. Tai Yi uses pressure points (grid points) along certain meridians in the body that is similar to acupuncture.

Tai Yi is a healing principle using all meridians from all bodies. Acupuncture is a result of the ancient Tai Yi practice. Documents discovered some years ago in the Mawangdui tomb in China, which was sealed in 198 BCE, contain no reference to acupuncture as such, but does refer to a system of meridians very different from the current use of meridians used in acupuncture. This is typical of Tai Yi. (Tai Yi History, Hossca Harrison, © 2008)

Tai Yi must be performed in a very specifi c manner to work successfully. There are three points that must occur for a Tai Yi treatment to be successful.

One: The Tai Yi practitioner must set all the grid points correctly and in the correct order according to the treatment chosen for the person receiving the treatment.

Two: The Tai Yi practitioner must send

100% Universal Energy into the correct areas of the body according to the treatment.

Three: The person receiving the treatment must be willing to receive the energy that is being offered.

It is the practitioners’ responsibility to discuss, with the person receiving the treatment, what the person desires to see changed, if the person has some fear or resistance to the treatment, and how to resolve that fear and/or resistance.

One exercise that can assist in understanding resistance is Power to Seek. Power to Seek is for those battling destructive thought patterns and they do not understand how to resolve them. This treatment works on the meridians to the brain to make the brain more sensitive and helps the person understand what, how, why, and when they are creating something or cycling in a pattern. This is about a person’s own self-creation and the power to seek in creating a reality that the person desires. The person can experience feeling very empowered after the treatment.

When choosing a Tai Yi practitioner, ask to see his or her sealed certifi cate with his or her current grade from the only school that teaches Tai Yi. This sealed certifi cate validates that practitioner to work on the public.

For more information on Tai Yi, Tai Yi treatments, and Tai Yi History, visit: www.empowermentthroughhealing.com

Tami Urbanek

EMPOWERMENT THROUGH HEALING, LLC

[email protected] • www.empowermentthroughhealing.com • Monument, CO

Tai Yi Energy Practitioner - Tami Urbanek

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

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

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

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The Tri-Lakes Women’s Club (TLWC) will accept grant applications January

15, 2010 to March 15, 2010. Qualifi ed organizations that provide signifi cant services to residents within the geographic boundaries of Lewis Palmer School District 38 are encouraged to apply.

Qualifi ed organizations include 501 (c) (3) non-profi t organizations, public service organizations and public schools. Grants will be awarded in late May.

Grant applications, instructions and guidelines can be downloaded from

the TLWC website, www.tlwc.net <http://www.tlwc.net/>, or by sending a request with a stamped, self-addressed envelope to TLWC Granting Committee, P.O. Box 669, Monument, CO 80132

The Tri-Lakes Women’s Club sponsors two major fund-raising events: Wine and Roses, a wine-tasting event in October and the Pine Forest Antiques Show and Sale in April.

TLWC has awarded over half a million dollars to Tri-Lakes community organizations over the past 36 years.

TRI-LAKES WOMEN’S CLUB GRANT APPLICATIONS 2010

5

SNIPPETZ®: STYLE & THE LOCAL SCOOP

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MAKING EVERYTHINGLOOK LIKE A CHOICE

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That atrocious red fl oor, the hideous lime tile, the pink carpet, the lack of money to replace all those things -

what will you ever do? Absolutely do not, try to ignore it or cover it up! When you try to avoid dealing with the problem area, you simply make it more obvious that you don’t like it, and you can’t fi x it. As much as you may not want to, you just have to work with it. Make the hideous parts of your home look like they were your choice, and I’ll let you in on a secret right now: When you work with the feature, it tends to begin looking attractive.

When you’re trying to work with a feature that you hate, and it’s generally a color for most people, you need to focus on what would match the color. For example, red tile fl oors scream at you, but by using some coordinating red and black accessories as well as ivory or black furniture, you sud-denly have this amazingly modern and beautiful room. The fl oor looks like you chose it, and the room becomes beautiful; more than likely, people will even comple-ment you on the great fl oor.As for lime tile in the bathroom, you can actually work with it. Choosing a great shower curtain that can match with a cute rug and some pretty accessories can help you create a bathroom environment that is homey and natural. If you try to ignore or mask the problem, you just end up with a hideous interior of your tub, whereas if it matches your guests will not be shocked when they pull back the curtain.

Finally, carpet usually covers the major-ity of homes fl oors and for that reason; it is one of the most diffi cult parts of your house to replace. If your carpet is pink or a color of green that you don’t like, then you can work with the color to create a com-fortable, matching room. With both pinks and greens, adding yellows and blues can help tone down the carpet and make the room seem like it was meant to have that color carpet.

When you are trying to fi t in some feature with a color that simply doesn’t suit your taste, think of all the colors that could pos-sibly match. Generally, using striped or plaid fabric is an easy way to pull that color into other parts of the room. For every color in a room, you want to use it at least three times so that it fi ts. For example, you could have green carpet, green in a plaid curtain, and green in fl owers sitting on a side table. Although the greens don’t have to be the exact same shade, but if they are similar, the color will seem to fi t in the room.

So, stop fi ghting those hideous parts of your house and work with them. Who knows, your friends may spend their next visit to your home complimenting the one thing you hated the most!

LEWIS-PALMER DISTRICT 38 HOCKEY THANKS THE TRI-LAKES COMMUNITY

The parents, players and coaches of the Lewis-Palmer District 38 Ice Hockey team express their sincere gratitude to the com-munity for their overwhelming support of the Breakaway Hockey event held Friday, November 20th at the Sundance Mountain Lodge. Many businesses in the Tri-Lakes region donated items for the silent auction. Players and parents planned and worked at the event to insure its success. The LP Ice Hockey team is not fully funded by District 38 and relies on the players and parents to raise funds that pay ice rental. This year’s event met that goal, raising more than $10,000. The event is a program of the Lewis-Palmer Booster Club, a component fund of Pikes Peak Community Founda-tion.

We would like to especially thank the Sun-dance Mountain Lodge for hosting this event, the band Running With Scissors for performing at the event, and Jeff Balch for his superb auctioneering skills.

Our deepest appreciation goes to the local businesses that provided items for our si-lent and live auctions:

A Absolute Carpet Cleaning, A Abso-lute Duct Cleaning,A&R Fresh Foods LLC, ActiveCare therapeutics, All About Home,Alpine Photographics, American Furniture Warehouse, American Medical Response,Amy’s Place, Arapahoe Basin, Arbonne International, B & E Filling Sta-tion, Barnes & Noble, Bayou BBQ, Beck-mann Group, Best Buy, Biaggi’s, Big O

Tires, Bird Dog BBQ, Blackwood Health Center, Boriello Brothers Pizza, C’est Jolie Spa & Salon, Cachet Gift Baskets, Camp Bow Wow, Carls Jr, Chili’s, Cold Stone Creamery, Colorado Avalanche, Colorado Mammoth, Colorado Springs Tutoring, Cork n’ Bottle, Crested Butte Mountain Re-sort, Custom Fitness, Denver Botanic Gar-dens, Denver Broncos, Denver Museum of Nature & Science, Denver Zoo, Dinosaur Resource Center, Double J Dog Kennel, Dr. Tom Close Chiropractor, Eagle Wine & Spirits, El Padrino Mexican, Elephant Bar, Elitch Gardens, Flying Horse Garden Center, Flying Horse Golf & Spa, Frontier Airlines, Fusion, Great Harvest Bread Co., Hair by Tiffany, Heart & Hand, Heritage Realty, Hollywood Theaters, IHOP, In-novations Salon, It’s A Grind, J.W. Mar-riott – Denver, JJ Tracks, JUN Japanese Restaurant, Kirkland Photography, Laura Starner makeup artist, Luisa Graff Jewel-ers, McDonalds, Meineke Car Care Center, Monumental Styles, Morning Glory Face & Body, Moss Embroidery, Nick-N-Wil-ly’s, Noah’s Ark Rafting Co., Offi ce Max, Olive Garden, Omelet Parlor, Parker Win-nelson Plumbing Supply, Phenix Salons, Pikes Peak Ice Cream, PINZ Bowling, Purple Mountain Jewelry, Quality Tires, R Rock Yard, Red Robin, Redhawk Ridge Golf Course, Rosie’s Diner, Royal Crest Dairy, Royal Gorge Railway & Park, Rum-bi’s Island Grill, Safeway, Satiama LLC, Seven Falls, Silpada Jewelry, Sky Sox, So-phia’s Chocolates, Starbucks, Sweet Cel-ebrations, Tech for Less, Ted’s Montana Grill, The Melting Pot, The Wine Seller, Tri-Lakes Dental, Trinity Brewing Com-pany, USAFA Hockey, Vitamin Cottage, WalMart, Wesley Owens, Western Meat, Woodmoor Pines Golf & Country Club, Yolanda’s Touch

6

SNIPPETZ®: THE LOCAL SCOOP

The Tri-Lakes Senior AllianceTHRIFTSTORE

Tuesday through Saturday - 10:00 am – 4:00 pm(719) 488-3495

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

Proceeds benefi t the Tri-Lakes Senior Citizen Program

SPORTING GOODSBicycles, skis, heaters, coolers,

golf clubs, camp chairs,back packs, roller skates

FURNITUREDesks, entertainment centers,

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

APPLIANCESKitchen stove & oven, microwaves, vacuum cleaner,

bread makers, juicers, clocks, clock-radios

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

portable crib

The Tri-Lakes Senior Alliance reopens its improved

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

719-488-3495

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

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

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

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

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

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

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

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

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

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

Tri-Senior Alliance Thrift Store

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

Palmer Lake, Colorado 488-3495

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

INCREDIBLE SAVINGS ON THINGS YOU NEED (OR WANT!)

TOOLSCar jacks, sander, wrenches, hack saws, hand trucks,

tire chains, snow shovels, tool boxes

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

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

books – All subjects

NOTE:We can not accept electronics,

clothes, shoes, pursesor child’s car seats.

NOVEMBER SPECIALS:STOREWIDE SALE - 20% OFF

DESKS - 50% OFF

DECEMBER:SANTA CLAUS VISITSDECEMBER 19 - 1-3PM

7

SNIPPETZ®: THE LOCAL SCOOP

Hwy 105 at Knollwood • 1445 Cipriani LoopAsk for Arlene or Sandee Your Cut and Color Specialists

(719) 487-8660

Our Salon features Perfecta, the professional color line which is natural and ammonia free - long lasting color with brilliant shine!

Monumental Styles & Co. Co-owners Arlene Nelson & Sandee Strand

SHELLY’SHAIR BOUTIQUESHELLY’SHAIR BOUTIQUE

Your Enviro-Friendly Salon

Come visit myfamily friendly salon!!Please take advantageof these great offers.

719-930-5192by appointment only

Shelly WheelerMaster Stylist

25% OFF - NEW CLIENTSOn Precision Cut and Style

Offer expires 01-31-10Must present coupon at time of service

$10 Men’s Precision CutW/Scalp Treatment

Offer expires 01-31-10 / Must present coupon at time of service

Color and Precision Cut $65Offer expires 01-31-10 / Must present coupon at time of service

Planning is your best protection against the unexpected

Auto • Home • Life • CommercialAll Your Recreational Vehicles

www.farmersagent.com/dprejean • [email protected]

David Prejean1840 Deer Creek Rd

Suite 103C Monument719•434•7031

Samantha Weaver

• It was American comedian Joey Adams who made the following sage observation: “If it weren’t for the fact that the TV set and the re-frigerator are so far apart, some of us wouldn’t get any exercise at all.” • A butterfl y’s sense of taste is lo-cated on its feet.

• You know that smoking is hazard-ous to your health, but you might not realize all the different types of damage it can do. For instance, a shop in Great Britain required more than $400,000 in repairs to its roof due to a fi re from a cigarette. A fi re from an inadequately extinguished butt isn’t at all unusual, but in this case it wasn’t because the owner -- or any other person -- was careless. It seems a sparrow that had been building its nest in the store’s eaves liked to use cigarette butts. The bird evidently picked one up that

was still burning, eventually setting the building alight.

• Someone with too much time on his hands once determined that there are 293 different combina-tions of coins that will make change for a U.S. dollar.

• Every year, doughnut-maker Krispy Kreme uses a whopping 1 million pounds of sprinkles on its pastries.

• Coffee is one of the most-traded commodities on earth, second only to oil.

• If you, like many others, are try-ing to fi gure out how to meet that special someone, you might want to reconsider the use of personal ads. Those who study such things claim that approximately 35 percent of people who use personal ads for dating are already married.

• The shortest complete sentence in the English language is “Go.”

***

Thought for the Day: “My way of joking is to tell the truth. It is the funniest joke in the world.” -- George Bernard Shaw

(c) 2009 King Features Synd., Inc.

The Tri-Lakes Senior AllianceTHRIFTSTORE

Tuesday through Saturday - 10:00 am – 4:00 pm(719) 488-3495

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

Proceeds benefi t the Tri-Lakes Senior Citizen Program

SPORTING GOODSBicycles, skis, heaters, coolers,

golf clubs, camp chairs,back packs, roller skates

FURNITUREDesks, entertainment centers,

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

APPLIANCESKitchen stove & oven, microwaves, vacuum cleaner,

bread makers, juicers, clocks, clock-radios

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

portable crib

The Tri-Lakes Senior Alliance reopens its improved

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

719-488-3495

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

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

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

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

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

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

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

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

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

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

Tri-Senior Alliance Thrift Store

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

Palmer Lake, Colorado 488-3495

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

INCREDIBLE SAVINGS ON THINGS YOU NEED (OR WANT!)

TOOLSCar jacks, sander, wrenches, hack saws, hand trucks,

tire chains, snow shovels, tool boxes

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

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

books – All subjects

NOTE:We can not accept electronics,

clothes, shoes, pursesor child’s car seats.

NOVEMBER SPECIALS:STOREWIDE SALE - 20% OFF

DESKS - 50% OFF

DECEMBER:SANTA CLAUS VISITSDECEMBER 19 - 1-3PM

ENJOY A COLORADO EVENING WITHJOHN FIELDER AND CHUCK PYLEIN A RARE JOINT APPEARANCE

Get those last minute Holiday gift s and have them signed by the arti sts!

Tuesday, December 15, 2009 at the Tri-Lakes Center for the Arts

304 Highway 105, Palmer Lake, CO.

Tickets are $15.00 at the door. Doors open at 6:00 PM

Sponsored by the Palmer Lake Historical

Society and the Tri-Lakes Center for the Arts

Join celebratedPhotographer

John Fielder as hepresents his new book"Ranches of Colorado"

Listen to popular singer/songwriter Chuck Pyle as

he sings selecti onsfrom his latest

CD "HIGHER GROUND-Songs of Colorado"

8

PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ® POSSIBLE!

SAFE • CLEAN • SECURE Double J

Judi & Jeff Havens - Owners6470 Walker Road • Colorado Springs

By Appointment: 495-1774

Owners on Site- 24 Hour -

Supervision

BOOK YOUR HOLIDAY

VACATIONS EARLY

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

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

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QUALITY GOODS & SERVICES

• On Dec. 16, 1773, in Boston Harbor, Samuel Adams and the Sons of Liberty, disguised as Mohawk Indians, board three British ships -- the Dartmouth, the Eleanor and the Beaver -- and dump 342 chests of tea into the harbor in a raid known as the “Boston Tea Party.” The value of the tea was $18,000.

• On Dec. 14, 1799, George Washington, the American revolutionary leader and fi rst president of the United States, dies of acute laryngitis at his estate in Mount Vernon, Va. He was 67 years old.

• On Dec. 18, 1916, Betty Grable is born in St. Louis. Grable, trained as an actress and dancer, was vot-ed “favorite pin-up girl” by American servicemen during World War II. Para-mount famously in-sured her legs for $1 million.

• On Dec. 15, 1973, Jean Paul Getty III, the kidnapped grandson of American bil-lionaire J. Paul Getty, is found alive near Naples, Italy. J. Paul Getty had fi nally agreed to pay a $17 million ransom after the boy’s severed right ear was sent to a newspaper in Rome.

• On Dec. 17, 1944, U.S. Gen. Henry C. Pratt issues Public Proclamation No. 21, declaring that, effective Jan. 2, 1945, Jap-anese American “evacuees” from the West Coast could return to their homes. For

the previous two years, 110,000 Japanese Americans had been relocated to remote internment camps built by the U.S. mili-tary.

• On Dec. 20, 1957, rock-and-roll star El-vis Presley receives his draft notice for a two-year stint in the United States Army. Refusing special favors, he was sworn in as an Army private in Memphis, Tenn., on March 24, 1958. Widely praised for not seeking to avoid the draft, Presley was seen as a model for all young Americans.

• On Dec. 19, 1986, Michael Sergio, who parachuted into Game Six of the 1986 World Series at New York’s Shea Stadium, is fi ned $500 and sentenced to 100 hours of community service. However, Sergio was later held in contempt of court for re-fusing to reveal the name of the pilot who fl ew the plane. As a result, in May 1987, he was sentenced to six months in federal prison.


THE PLACE FOR GREATCHRISTMAS GIFTS

FREE Gift Wrapping

Unique HandcraftedDollhouses & Accessories

for the Discriminating “Mini-Home Owner”

Both stores conveniently located at274 Washington Street, Historic Monument

481•1361 • OPEN 7 DAYS

A CUT ABOVEDRYWALL

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

Drywall Patches,

Repair andTexturing

• No Job Too Small• Free Estimates

• Reasonable Rates• 25 Years of Experience

Call Mark Today!

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

CHRISTMAS SALE...MANY ITEMS 50% OFF

PO Box 863Monument, CO 80132

Barbara Oakley719-488-2119

TRI-LAKES &GLENEAGLEWELCOMING

finders keepersby Peggy Rima

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

“gifts from the heart”

Celebrating 10 Years in Palmer Lake (719) 487-8020 • 91 Hwy. 105 • Palmer Lake

Guardian Angels are thought to be spiritual be-ings that are “assigned” to protect and assist

people here on Earth. We all have one or more with us at all times.

HAPPY HOLIDAYS! Shop early for best selection.

719-481-0250125 Second St.

Historic Downtown Monument

9

SNIPPETZ® HEALTH AND WELLNESS

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

Heather F. Fink, PA-C

Specialized Adult and Pediatric

Allergy and Asthma Care

Now in Monument

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

Individualizedtreatment for:

Nasal AllergiesChronic Sinusitis

Food AllergyHives

EczemaAsthma

Including Allergy Injections

719-592-1365www.csallergy.com

550 Highway 105Monument, CO 80132Wednesday Afternoons

At the Medical Centernext to Safeway

719-216-4421www.HealingTouch-MassageTherapy.com

The Ultimate

Massage GiftCertificates!

Buy a of and

Healing Touch Therapeutic MassageRobyn Graham, LMT

212 N. Washington St., Suite A, Chapala Building in Monument

1 G.C. PKG of 5 PKG of 10

1/2 hr : $35 $170 $320 (save $5.00) (save $6.00 ea) (save $8.00 ea)

1 hr : $55 $270 $520 (save $10.00) (save $11.00 ea) (save $13.00 ea)

(Regular pricing: 1/2 hr $40 / 1 hr $65)

THETRI-LAKES

TEAMATTENTION:

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

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

CONS

TRUC

TION

PLUMBING

ELEC

TRIC

AL

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

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

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

PH: 719-488-2738 • FAX: 719-488-1676

HEATING

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

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

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

PH: 719-488-1991

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

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

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

HAVENS S&P CONCRETE CO.PHIL HAVENS

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

OCEAN CONSTRUCTIONA Wave of Excellent Carpentry

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

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

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

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

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

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

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

PAIN

TING ROOFING

CONC

RETE

PLAS

TER /

DRYW

ALL

CONSTRUCTIONEXCAVATION

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

10

SNIPPETZ BUSINESS DIRECTORYTHE PLACE TO FIND LOCALBUSINESSES ON THE GO!

A PLUS PLATINUMCARPET AND TILE CARE

Steam truck mount extraction.$15 OFF SPECIAL!

719-440-9148or 719-339-2708

FLOORS

INSURANCE

AMERICAN FAMILY INSURANCELarry E Stiltner Agency481 Hwy 105 Suite 212

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

AUTOMOTIVE

MAXX POWER LLCSpecializing in

Diesel Performance(719) 488-0943

www.maxxpowertrucks.com

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

Licensed & InsuredCustom Homes ✷ Detached

Garages ✷ Basement [email protected]

CONSTRUCTION HOME DECOR

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

215 Chapala Plaza719-487-1406

www.margosonthealley.com

VILLA DECORPolish Pottery

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

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

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

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

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

REMODELING

TLC COMPUTER REPAIRSales and Service

PC Recycling Center303 B Hwy 105 / Monument

Across from the 7-11719-302-2937

COMPUTER

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

Monument Plaza719-484-0300

www.twotimers.net

CONSIGNMENT

PET GROOMING

DIRTY DOG GROOMING481 Hwy 105 #206

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

719-481-2968

COUNTRY CRITTERS UPTOWNGentle ProfessionalAll Breed Grooming

Serving The Tri-Lakes AreaWest End Center

719-481-0220

HEATWAVESTANNING SALON

481 Hwy. 105 Ste. 210Monument, CO 80132

719-488-8884(behind Taco Bell)

TANNING

CYLINDER HEAD SERVICEValve Jobs

Seats • GuidesSurfacing

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

KARAOKE

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 avail-able for private parties, weddings, etc. or come check us out at PINZ everyThursday from 9pm - 1am

719-231-2946Email: [email protected]

REAL ESTATE

TINA PETERSON ABR-GRI-ePRORemax Advantage Realty

719-460-7614Are You Looking to

Buy or Sell?www.ColoradoHomesMarket.com

FENCING

LAW FENCE CO. 20 YRS experience building

and repairing all types of fence FREE ESTIMATES

719-520-5538 [email protected]

LANDSCAPING

COLORADO CUSTOM ROCK LANDSCAPING INC.Licensed and insured

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

ccrlandscaping.comCall for a FREE Estimate! 719.598.6871

PAINTING

CertaPro PaintersResidential And Light-Commercial

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

Painting • Passion • Professionalism

ROOFING

CAMPBELL ROOFING INC.Serving Colorado Since 1984

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

719-573-9395

PRIME ROOFING, INC.Your local Monument Roofer

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

ACCOUNTANT

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

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

statement accounting services.

IRISH - A HANDSOME LADPlease meet

Irish He is an older cat and

has been with SAINT for some time. He is about 8 years old and was tearfully given up for adoption by his one time owner. Irish is neutered and has his claws. He is a very sweet, handsome boy! He is waiting for his permanent family.

Irish is just a big lap cat! He is an indoor cat. He loves people and has adjust-ed to dogs. I don’t think living with dogs is what he truly wants though. I think he’d rather have a family all to himself.

If you are interested in adopt-ing Irish into your heart and home please call SAINT Animal Rescue located in Calhan. Our phone num-ber is 541-3099 but you might need to use the 719 area code.

It is always a challenge when adopt-ing a new pet. SAINT Animal Res-cue asks the adopter to give the ani-mal a reasonable amount of time to adjust to it’s new family and envi-ronment. This is so very important to your new family member as well

as your existing family members.

Please visit our website at saintani-malrescue.org and as always thank you for caring. Did you know..Cats knead your lap because they’re happy. If you do not respond when your cat talks to you, it will soon lose the urge to communicate with you.

The Tri-Lakes Center for the Arts (TLCA) is proud to present a concert featuring Acoustic Eidolon. Every once in a while a musical group comes along with a unique sound that leads to the development of an entirely new type of instrument. This is the case with Acoustic Eidolon, com-prised of guitarist Joe Scott and cellist Hannah Alkire. This instrument, the gui-tjo (pronounced “git-jo”), resembles a double-necked guitar, but has 14 strings and an incredible tonal range that would be impossible with a traditional guitar. This range allows Acoustic Eidolon to con-tinually discover unique sounds, especially when both necks are played simultaneous-ly. Acoustic Eidolon has enchanted audi-ences around the world with their signature acoustic music that blends Celtic, folk, and classical genres. Their concerts have been described as “a sumptuous instrumental feast.” The duo has performed worldwide and has been featured on award-winning television specials and nationally syndi-cated radio programs.

Joe began playing acoustic guitar at age 12 and later excelled on the banjo, winning many contests at regional bluegrass festi-vals by the age of 16. In his early 20’s, he began experimenting with different ways of stringing the acoustic guitar and soon discovered a way to play all his banjo licks, but with a whole new sound. This was the beginning of the guitjo. Hannah began playing cello at age eight and is clas-sically trained. Among her many musical accomplishments, Hannah was a found-ing member of the Anasazi String Quartet, whose repertoire ranged from Dvorak to Led Zepplin, baroque to Grateful Dead. In

a tribute to their musical accomplishments, the Swallow Hill Music Association calls an Acoustic Eidolon concert “an evening of brilliant instrumentality.” Visit their website: www.acousticeidolon.com.

TLCA is dedicated to creating commu-nity partnerships for demonstrating, teach-ing, exhibiting and promoting the arts and humanities. It is an advocate for artistic growth in the community. It offers pro-grams that benefi t residents, businesses, students, artists, art lovers and all who are inspired by the arts. TLCA is a non-profi t 501(c) 3 organization located in Palmer Lake, CO. For more information call 719-481-0475 or visit our website at www.tri-lakesarts.org.

TRI-LAKES CENTER FOR THE ARTS PRESENTSA CONCERT WITH ACOUSTIC EIDOLON

SATURDAY - DECEMBER 19TH

11

SNIPPETZ® DINING GUIDE

www.eatatrosies.com

SERVINGBreakfast • Lunch • Dinner

PRIME RIBON FRIDAY NIGHTS

5PM - 9PM$ 10.99

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

Ice Cream Makerfor a Day

Looking for a special way to celebrate your

child‛s birthday?

WE HAVE IT!!

Your child and guests will make their own ice cream. One deliciouslearning experience!

PIKES PEAK ICE CREAM & GELATO481 Highway 105, Unit # 208

Monument, CO 80132Tel: (719) 313-9484

htt p://www.PikesPeakIceCream.comCLOSED ON MONDAYS

We cater holiday parti es,off er fundraising opportuniti es for

schools, sports teams and civic groups and now have holiday ice cream cakes

and gelato pies.

Our gelato and ice cream is handmade every day in our store with the

freshest, locally sourced ingredientsand our gelato ingredients are

imported from Italy.

TUESDAY WEDNESDAY THURSDAY

FRIDAY SATURDAY SUNDAY

SENIOR TUESDAY

Seniors get an ice cream or gelato for

50% OFF

CARRY OUT WEDNESDAYBuy One - Get One

FREEon pints or quarts

of ice cream or gelato

FREEWAFFLE CONE

With anice cream or

gelato purchase

EARLY BIRD SPECIAL

All ice cream or gelato cones sold before 2PM

are 25% OFF

FREE COFFEESATURDAY

Free coff ee withany bakery purchase

(limit one per person)

CAFFE LATTESAND

CAPPUCCINOS

$1

On Sunday, December 6, PINZ hosted a fundraiser to benefi t the children of Shanna Miller,

a Tri-Lakes parent who passed away suddenly several weeks ago. Ms. Mill-er left two young children who will now be cared for by their grandmother, Mrs. Laura Miller.

The fundraiser was organized by Palmer Lake Elementary School par-ents Courtney O’Neill and Carmella Tharnish . Mr. Dick Cissell and mem-bers of the Tri-Lakes Cruisers car club also assisted in publicizing the event, which was attended by approximately 90 people – despite the snow and very cold weather. Everyone enjoyed a fun afternoon of bowling and friendship. Many area businesses donated fabu-lous raffl e items, which were given out at the end of the day, including: Big O Tires, Kirkland Photography, U.S. Tae-kwondo Center, 3 Margaritas, Serranos Coffee, Wal-Mart, and King Soopers, among others. Approximately $800 was raised during the course of the af-ternoon.

Ms. O’Neill and Ms. Tharnish original-ly approached PINZ for a donation of bowling passes for the children shortly after Ms. Miller passed away and PINZ General Manager Debbie Cohen sug-gested the possibility of doing a larg-er event to raise more money for the family. The fundraiser was structured through PINZ’s “Bowling for Dollars” fundraiser program which is open to all

community organizations and charita-ble causes in the Tri-Lakes area.

“Once again, those of us at PINZ are pleased that we have the means to ben-efi t these types of efforts in the commu-nity and we are honored that the Miller family decided to have this event at our facility. On behalf of the Miller fami-ly, the Palmer Lake Elementary School parent body and everyone on our staff, we take the liberty of thanking everyone who came out on Sunday to make the event a success”, said PINZ co-owners Gloria McCartan and Al Palmonari.

Anyone wishing to make a donation for the family, which would be especially welcome at this holiday time, may mail it or stop in to the First National Bank of Monument on Highway 105 behind Starbucks and designate their contri-bution to the Shanna Miller Memorial Fund.

On January 9, PINZ will host another fundraiser for the family of Parker Ebaugh, a young baby born with a con-genital eye defect. Little Parker needs several surgeries and the family has no access to health insurance. Keep your eyes on Snippetz for more information about that event in the next couple of weeks.

If your organization would like to fi nd out how it can have a fun family bowl-ing event to raise funds, please call Deb at PINZ (719-487-7469).

PINZ HOSTS FUNDRAISING EVENT TO BENEFIT MILLER/JENKINS FAMILY

12


Coffee Cup Café251 Front Street, Monument 80132 (719) 488-0663 www.coffeecupmonument.com

Now open starting at 6 am - 3 pm 7 days a week!

A Second Cup13860 Gleneagle Dr, Colorado Springs 80921 (719) 481-6446 www.asecondcup.net

Open starting at 6 am - 9 pm 7 days a week!

Your Local Ale House!20 Micro Brews on Tap!

Now offering NFL Sunday Ticket @ A Second Cup with

Happy Hour Specials All DaySundays and Mondays!

Early Bird Special

$2.99 Breakfast!2 Eggs, Bacon or Sausage, Country Fries & Toast

@ Both Locations!Mon thru Fri Before 9am

All you can eat crab legs everyThursday after 5 pm @ Second Cup

$15.99 Crab Legs

Wednesday Night Poker!First Game @ 7:00pm

Second Game @ 10:00pm

BOOK YOUR CHRISTMAS PARTY NOW!

NOWCATERING!CATERING!CATERING!COME ON IN

AND WATCHTHE BRONCOSAND NUGGETS!

12/31/09

75 Hwy 105 Palmer Lake719-481-2222

Open Nightly at 4:30

La Zingara

Daily Specials

Sunday

“Sunday Supper”

Lasagna, Baked Ravioli,

Manicotti

$10.95

Monday

“Pick a Parmigiana”

Veal, Chicken or Eggplant

$9.95

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

AVAILABLE FOR PRIVATEPARTIES AND CATERING

By Healthy Exchanges

TURKEYPOT PIE

Did you put some of the Thanksgiving turkey away in the freezer and haven’t

put it to use yet? Try this healthy version of a pot pie and enjoy!

1 (10 3/4-ounce) can Healthy Re-quest Cream of Chicken Soup

2 full cups diced cooked turkey breast

3 cups frozen mixed vegetables, thawed

1 cup plus 2 tablespoons Bisquick

Heart Smart Baking Mix1/2 cup fat-free milk

1 egg or equivalent in egg substi-tute

1 teaspoon dried parsley fl akes

Preheat oven to 400 F. Spray an 8-by-8-inch baking dish with butter-fl avored cooking spray. In a large skillet sprayed with butter-fl avored cooking spray, combine chicken soup, turkey, and mixed vegetables. Cook over medium heat for 5 min-utes. Spoon mixture into prepared baking dish.In a small bowl, combine baking mix, milk, egg and parsley fl akes. Carefully pour mixture over turkey mixture. Bake for 20 to 25 minutes. Place baking dish on a wire rack and let set for 5 minutes. Divide into 6 servings.

HINT: If you don’t have leftovers, purchase a chunk of cooked turkey breast from your local deli.

• Each serving equals: About 223 calories, 3g fat, 23g protein, 26g carbs, 393mg sodium, 77mg cal-cium, 4g fi ber; Diabetic Exchanges: 2 Meat, 1 Starch, 1 Vegetable; Carb Choices: 2.


13


Pizza • Pasta • LasagnaSalads • Sandwiches

Beer • Wine

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

4 Hwy. 105 • Palmer Lake719-481-3244

website: http://www.bellapanini.com

GLUTEN FREEPizza, Pasta, Sauces

Now Available

Highway 105 & Primrose St.

Dine In or

TakeOut

Steaks ❁ Shrimp ❁ Chicken ❁ Burgers ❁ Burritos

Our Famous ReubensBINGO! Saturdays at 6:15

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

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

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

481-TOOT 8 6 6 8

488-3019or www.thewineseller.net

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

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

and spirits selection too!

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

Located on Hwy 105between Palmer Lake & Monument.

Hours: Tuesday - Saturday 11am to 6pm.

Vino-BitsWine Appreciation

& Tasting Tips

brought to youby

Dirk atThe Wine Seller

PATRICIA’S CAFÉ

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

Bella Panini in Palmer Lake and Bayou BarBQ in Monument

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

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

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HOURSCall 488-6917 for current hours

Closed on Mondays!

Rock House Ice Cream 488-6917

Serving Anne & Mann’s Gourmet Ice Cream

CAJUN & BARBQFare

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

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12/31/09 WINEMAKINGWONDER WORDS

The vinifi cation end of wine producing falls into two parts: fermentation, the period when the grape juice turns into wine, and matura-

tion (or fi nishing), the period following fermentation when the wine settles down, loses its rough edges, goes to prep school, and gets to meet the world. De-pending on the type of wine being made, the whole process can take three months or fi ve years---or even longer if the bank isn’t breathing down the winery’s neck!

FRUIT OMELET

3 ea Large Eggs¼ tsp Vanilla½ tsp Sugar1 c Diced fruit½ c Vanilla Yogurt3 Tbs Vegetable Oil

1. Whip eggs with vanilla and sugar.2. Heat a well-seasoned 8” skillet with oil.3. Pour eggs into hot skillet and stir with a rubber spatula, lifting so raw egg can seep under to cook.4. Flip so top can cook.5. Add fruit and yogurt.6. Fold and slide out of skillet onto a plate.

Anytime of year, this would make a nice brunch idea. You can garnish this by topping it off with some of the yogurt and some nuts or gra-

nola. I like to do my bacon by placing it on a sheet pan and sprinkling it with cracked black pepper and brown sugar. Then bake in a hot oven. Watch carefully. Also,

try using sweet potatoes for hash browns and sprinkle with a little cinnamon. Of course butter can be used in place of the oil to give the omelet a buttery fl avor.

Some other ideas for the omelet try adding some rum to the eggs and fi lling it with some sautéed diced apple and pecans with some cinnamon and brown sugar. In this one I used berries and Kiwi.

If you don’t have a seasoned skillet you can use a coated one or season one your self. To do this, place a skillet on very low heat with vegetable oil for about an hour. Make sure you watch the skillet so it doesn’t get too hot and catch fi re. You will also need to roll the oil around the skillet making sure to coat the sides.

Once you have a well-seasoned skillet it should never be washed. If something sticks add some oil and salt and heat on low. Then scrub with a wad of paper towels thick enough not to burn you hands.

Be creative, have fun and enjoy!!!

14


Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. GEOGRAPHY: What is the capi-tal of Canada’s Northwest Terri-tories?

2. ANIMAL KINGDOM: What is a baby bat called?

3. GENERAL KNOWLEDGE: What type of furniture is referred to as a “highboy”?

4. MUSIC: How many holes does a recorder (wind instrument) have?

5. LANGUAGE: What is a laza-retto?

6. ARCHITECTURE: What is adobe made of?

7. MYTHOLOGY: Who was the Greek god of medicine?

8. DISCOVERIES: Who is credited with inventing the air brake?

9. BIRTHSTONES: What is Novem-ber’s traditional birthstone?

10. MATH: What is the Arabic equivalent of the Roman numeral MCMXC?

1. Only three teams since 1995 have won the World Series after losing the opening game. Name two of them.2. How many different times did Danny Murtaugh manage the Pittsburgh Pirates?3. Name the last NFL team before the 2008 San Diego Chargers to win a division title with an 8-8 re-cord.4. Who holds the mark for most blocked shots in a men’s basket-ball NCAA Tournament game?5. Name three of the four players who, between 2000 and 2009, tallied 40 or more goals in a sea-son for the New Jersey Devils.6. How many consecutive NCAA titles did Dan Gable’s University of Iowa wrestling team win start-ing in the late ‘70s?7. In the 1990s, three men each won golf’s U.S. Open twice. Name two of them.


SNIPPETZ® PUZZLES AND TRIVIA

1. What was the alternate name for “The Shoop Shoop Song”? Name the original artist and the year.2. Which singer/songwriter penned diverse hits such as “Will You Love Me Tomorrow” by the Shirelles and “Don’t Bring Me Down” by the Ani-mals?3. Annie Lennox was half of which musical duo? 4. Name the rock band that had a hit with “Owner of a Lonely Heart.”5. Which duo had both a song and an album with the title “Diamond Girl,” and when? What are their fi rst names?6. Who is Angus Young?

New DVD Releases forWeek of December 14, 2009

PICKS OF THE WEEK“The Hangover” (Two-Disc Unrated Edi-tion) -- “The Hangover” could have been just another run-of-the-mill, raunchy Bro Movie (like the kind you always see Seth Rogen in), but thanks to the brilliant deci-sion to cast Zach Galifi anakis and Ed (“The Offi ce”) Helms, “The Hangover” has be-come one of the year’s funniest fi lms.

Four guys go to Vegas for a bachelor party

they’ll “never forget” -- but thanks to their drinks being laced with a date-rape drug, that’s exactly what happens. They wake up the next morning and can’t remember a thing about the previous night. To add to the muddle, they’ve misplaced the groom but gained a baby and a tiger. The guys have a scant few hours to piece together what happened, fi nd the groom, return the baby and the tiger, and still get the groom to the church on time.

Extras: The theatrical and unrated versions of the fi lm, fi ve featurettes, a gag reel, more pictures from the Missing Camera, a digital copy of the fi lm and more.

“Inglourious Basterds” -- Director Quentin Tarantino’s World War II revenge fantasy may not be to everybody’s taste, but it is a beautifully shot, brilliantly acted fi lm that will go down in fi lm history as one of his best.

The fi lm stars Brad Pitt as Aldo Raine, a sol-dier who assembles a crack squad of Jewish soldiers to go on a mission to execute the Nazi high command. On their way to com-pleting their mission, each soldier is com-manded to give Raine 100 “Gnatsi” scalps. And since this is a Tarantino fi lm you can expect the usual ultraviolence, quotable dia-logue and intertwining story lines.The extras on both the two-disc and Blu-Ray editions are the same, and mighty im-pressive: extended and alternate scenes; “Nation’s Pride” (the fi lm within the fi lm); a roundtable discussion with Tarantino, Brad Pitt and critic Elvis Mitchell; a score of fea-turettes, including a conversation with Rod Taylor; and a digital copy of the fi lm.

“Murder by Decree” -- To cash in on the pre-miere of the new Sherlock Holmes fi lm star-ring Robert Downey Jr., there are a plethora of Sherlock Holmes DVDs this week. Most of them are pretty lousy, but “Murder by

Decree” is one you should take a look at -- if not outright buy.

The 1979 fi lm stars Christopher Plummer and James Mason as Holmes and Watson, respectively, and the game that is afoot? None other than Jack the Ripper. Also star-ring in the fi lm are Donald Sutherland as a psychic and Sir John Gielgud as the prime minister. As a Holmes fan, I have to say this is one of my favorite Holmes movies (along with “The Seven-Percent Solution”).

TV SERIES“Ice Road Truckers”

The Complete Season Three “Robot Chicken” Season Four

“The Tudors” The Complete Third Season“The Paper Chase” Season Two

“The Five Lives of Criss Angel Mindfreak”“Lovejoy” The Complete Season One


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 (15).


15

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions DECEMBER 14, 2009

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. “It’s in His Kiss,” by Betty Everett in 1964. Cher also cut a version for the “Mermaids” movie in 1990.2. Carole King. Her songwriting has netted her four Grammy awards.3. The Eurythmics. The other half of the duo was long-time partner Dave Stewart.4. The group Yes. The song was on their “90125” album in 1983. 5. “Diamond Girl” was the fi fth album for Seals & Crofts (Jimmy Seals and Dash Crofts) in 1973. 6. Young is the lead guitarist for AC/DC. The Gib-son Guitar Company made a special guitar to Young’s specifi cations, the Angus Young SG.

1. Yellowknife2. A pup

3. Tall chest of drawers4. Eight

5. A place to quarantine peoplewith infectious disease

6. The building material is madeof dried earth and straw

7. Asclepius8. George Westinghouse, 1868

9. Topaz10. 1990

1. The 1996 and 2009 New York Yankees, and the 2002 Anaheim Angels.2. Four times (1957-’64, ‘67, ‘70-’71, ‘73-’76).3. The Cleveland Browns in 1985.4. LSU’s Shaquille O’Neal had 11 blocks in 1992.5. Patrik Elias (40 goals in ‘00-’01), Alexander Mogil-ny (43, ‘00-’01), Brian Gionta (48, ‘05-’06) and Zach Parise (45, ‘08-’09).6. Nine consecutive titles (1978-’86).7. Payne Stewart (1991, ‘99), Lee Janzen (‘93, ‘98) and Ernie Els (‘94, ‘97).

ARIES (March 21 to April 19) Make your holiday preparations one step at a time in order to avoid being overwhelmed and leaving things undone. That confusing fam-ily situation continues to work itself out.

TAURUS (April 20 to May 20) Ease this year’s holiday money pressures by letting your thrifty side guide you as you look for those perfect gifts that typically refl ect your good taste and love of beauty.

GEMINI (May 21 to June 20) You’ll have a good handle on potential holiday problems if you delegate tasks to family members, friends or co-workers -- most of whom will be more than happy to help out.

CANCER (June 21 to July 22) Right now you are especially vulnerable to holiday scams that seek to take advantage of your generosity. Best advice: Check them out before you send out your checks.

LEO (July 23 to August 22) The upcom-ing holiday season gives the Big Cat much to purr about. Relationships grow stronger, and new opportunities loom on the hori-zon, just waiting to be pounced on.

VIRGO (August 23 to September 22) A changing situation brings confl icting ad-vice about how to go forward with your holiday plans. Your best bet: Make the de-cision you feel most comfortable with.

LIBRA (September 23 to October 22) Holiday plans get back on track after some confusion about the direction you expected to take. A potentially troublesome money matter needs your immediate attention.

SCORPIO (October 23 to November 21) Your holiday preparations are on track. But you need to confront a personal situa-tion while you can still keep it from over-whelming everything else.

SAGITTARIUS (November 22 to Decem-ber 21) Tight fi nancial matters ease a bit during this holiday season. But the saga-cious Sagittarian is well-advised to keep a tight hold on the reins while shopping for gifts.

CAPRICORN (December 22 to January 19) Don’t put off making decisions about this year’s holiday celebrations, despite the negative comments you’ve been getting from several quarters. Do it NOW!

AQUARIUS (January 20 to February 18) The holidays will bring new friends and new opportunities. Meanwhile, be careful to use your energy wisely as you go about making holiday preparations.

PISCES (February 19 to March 20) There’s good news coming from a most unlikely source. And it could turn out to be one of the best holiday gifts you have had in years. Remember to stay positive.

BORN THIS WEEK: You are respected for your honesty and loyalty. You make friends slowly -- but with rare exceptions, they’re in your life forever.


16

SNIPPETZ® BUSINESS AND FINANCE

For additional information, contact:

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

719-481-4964

FINANCIAL FOCUS

HERE’S YOUR YEAR-END

INVESTMENT CHECKLIST

Provided by Adam Graysonof EdwardJones Investments

We’ve pretty much seen it all this past year— a bear market, a long rally and even a period

of neither-up-nor-down. But even though we’ve only got a few weeks left of 2009, you still have time to make some moves that can pay off for you in 2010 — and beyond.

Here are a few suggestions to consider:

• “Max out” on your IRA — and make regular contributions next year. For the 2009 tax year, you can contribute up to $5,000 to a traditional or Roth IRA, or $6,000 if you’re 50 or older. And you have until April 15, 2010, to fully fund your 2009 IRA. Of course, it’s not always easy to come up with lump sums of money, but do whatever you can to make up for any shortfalls in your IRA for 2009. And in 2010, consider setting up automatic monthly contributions to your IRA — it’s a much more effi cient way to maximize a great retirement-savings vehicle.

• Increase your 401(k) contributions. If your employer permits it, try to add more money to your 401(k) or other retirement plan before the year ends. By increasing your 401(k) contributions, you can lower your adjusted taxable income while you potentially build more resources for retirement.

• Convert your traditional IRA to a Roth IRA. Depending on your individual situation, a Roth IRA, which offers the potential for tax free growth, provided you meet certain conditions, may be a better choice for you than a traditional IRA, which offers the potential for growth on a tax deferred basis. Consequently, if you meet eligibility limits, you may want to convert your traditional IRA to a Roth IRA. However, this conversion is likely going to be a “taxable event,” so you’ll

need to have money available outside your IRA for the tax bill. You’ll want to discuss this move with your tax advisor.

• Sell your “losers.” If it’s appropriate for your portfolio balance and long-term goals, you may want to sell some investments that have lost value to take the tax losses. If these losses exceeded your capital gains from selling appreciated stocks, you can deduct up to $3,000 (or $1,500 for married couples fi ling separately) against your other income, reducing the amount on which you must pay taxes. And if you lost more than $3,000, you can carry over the excess into subsequent years. Consult with a tax advisor before selling investments to claim a tax loss.

• Consolidate your investment accounts. Instead of having an IRA with one fi rm, some other investments with another and a cash-value insurance policy with a third, you might want to consolidate all your assets with one provider. That way, you’ll be better able to align all your assets with a central, unifi ed investment strategy.

• Review your insurance coverage. Over the course of a year, you could experience signifi cant changes in your life: marriage or divorce, the birth of a new child or the departure of an older child from your home, the start of a new job or retirement from an old one, and so on. That’s why you’ll want to make sure you have the right amount and type of insurance to protect your family and your fi nancial future.

By making these moves, you can close out 2009 on a positive note — while positioning yourself for progress on your long-term goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, its associates and fi nancial advisors are not estate planners and cannot provide tax or legal advice.

IT’S TIME TO MAKE THE WORLD

A BETTER PLACE TO DRIVE.

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

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

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www.edwardjones.com Member SIPC

Date..............

Time..............

Location....

RSVP ............

SHARE YOUR DREAMS,BUILD YOUR LEGACY

You’re Invited ...

Your family, friends and favorite organizations hold a specialplace in your heart. That’s why you’ve helped them in the pastand probably want to continue doing so for years to come.

Join us for our free Charitable Gifting seminar to learn more about:� What assets you can gift and when � How to maximize the benefits of your gift for both yourself

and the recipient� How to incorporate charitable gifting into your estate plan

You deserve to share your dreams and build your legacy theway you want. Call today to reserve space for yourself and aguest at this free educational seminar.

Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice.You should contact a qualified tax or legal professional regarding your specific situation.

MK

D-3

960-A

-FL JU

L 2

008

Adam R GraysonFinancial Advisor.

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

Tuesday, December 15, 2009

6 p.m.

Bella PaniniPalmer Lake, CO

To Kathy Williams at 481-4964

Dinner will be served.

You’re Invited...

Your family, friends and favorite organizations hold a special place in your heart. That’s why you’ve helped them in the past and probably want to continue doing so for years to come.

Join us for our free Charitable Gifting seminar to learn more about:

• What assets you can gift and when• How to maximize the benefi ts of your gift for both yourself and the recipient.• How to incorporate charitable gifting into your estate plan.

Dinner will be served.

Date: Tuesday, December 15, 2009

Time: 6:00 p.m.

Location: Bella Panini - Palmer Lake, CO

RSVP: to: Kathy Williams at 481-4964

We cordially invite members and guests to tour Mountain View Electric Association’s new facility

on Tuesday, December 15 from 4 to 6 p.m.

11140 East Woodmen Road.

Come and see all the energy saving features of this great new facility!

Falcon Operations CenterOpen House

17

SNIPPETZ® BUSINESS AND FINANCE

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

❖ Transactional (Contract) Services

Lisa Welch StevensAttorney at Law, P.C.

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

District of Colorado

Member: Colorado & El Paso County Bar Association

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

Law Offi ces ofChristopher C.

Meyer,P.C.

13540 Northgate Estates Dr., #200Colorado Springs,

CO 80921(719)488-9395

DIVORCE / FAMILYLAW

Experienced - AffordableConvenient

Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

AN END TO MANDATORY OVERDRAFT PROTECTION

Until now, users of ATM or debit cards could make purchases that basically cleared their accounts, and then some, and the bank would

cover the overage temporarily -- for a fee. Sometimes the overdraft was accidental, perhaps due to a mistake made in the checkbook. Other times it was a gas station that caused the problem: Use a debit card to buy gas at a pre-pay pump, and more often than not an amount much larger than the actual purchase would be put on “hold” for the balance of the day. Or maybe the con-sumer knew in advance that there wasn’t enough money for a purchase.

No matter the reason, if an overdraft was created, the bank charged fees that netted the banking industry many billions of dollars per year. If multiple transactions were made, multiple fees would be charged. It was the hefty

overdraft fees -- often amounting to $30 or more per oc-currence -- that consumers said were excessive, and the complaints stacked up at the Federal Reserve.Starting next summer, banks will have to ask permis-sion of consumers to charge overdraft fees. Account owners will have to opt in to have overdraft protection, and banks will be limited to charging one overdraft fee per month or six per year.

Unless consumers sign up for overdraft protection (and pay the resulting fees,) the end results could be harsh. Instead of a bank covering any overages (and charg-ing a fee for it), ATM and debit cards will be shut off once the withdrawal exceeds the amount in the account -- right in the middle of a transaction.

Here are some suggestions:

• Sign up for the overdraft protection in case of an emer-

gency expense. If you don’t have the money in the bank, that overdraft fee might be a welcome expense.

• Balance your accounts every month and don’t spend what you don’t have.

• Pay attention to the information leafl ets that come in your statements. Expect fees for other services to go up and minimum balances on accounts to go higher. Banks are going to miss those billions of dollars and will need to make them up in others ways.

David Uffi ngton regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to [email protected].


INFORMAL PROBATE OF AN ESTATE

© December, 2009, Lisa Welch Stevens, Esq.

Last week we discussed how to go about opening informal probate of an estate. As you will recall, informal probate is a low-cost, unsupervised, and

relatively quick and inexpensive way to probate and close an estate, which can be done by any non-attorney willing to spend the time, using forms and instructions readily available on the Colorado State Judicial Branch website.

Once the probate court has issued the Order for Informal Probate and Informal Appointment of Personal Representative, and issued certifi ed Letters Testamentary giving the personal representative authority to act on behalf of the decedent’s estate, the representative is ready to go. One of the fi rst things the representative needs to do is to open a bank account in the name of the estate of the decedent; this account will be titled, for example, as “The Estate of John Francis Doe”. To open this account, the representative will need to provide the bank with a certifi ed copy of the Letters Testamentary, a certifi ed copy of the death certifi cate, his own identifi cation, and a taxpayer identifi cation number for the estate.

To get a tax payer identifi cation number for the estate is relatively easy. One can go to the Internal Revenue Service website at www.irs.gov, and click on “Employer Identifi cation Number” on the lower left side of the home page. Scroll down the page to where it says, in blue, underlined, with capitals letters: “Apply Online Now” and click on that link. Next, click on the box that says “Begin Application”. The next page will ask the representative to select a type of entity for which he wishes to receive a tax identifi cation number. Select “estate”, and click on “Continue”. Click “Continue” again on the next page, confi rming that it is for an estate that one wishes to obtain the number.

On the next page the representative will enter the full legal name and the social security number of the decedent (not the representative). After that information is entered, click on “Continue”. The information will be accepted only if it matches IRS records, so one must enter the name of the decedent exactly as it appears on their social security card. On the next screen one selects whether the administrator of the estate (in Colorado, the personal representative), is an individual or an existing business (such as a law fi rm handling probate). A

personal representative obviously selects “individual”. Click “Continue” to proceed to the next screen. On the next screen the personal representative must enter his information, including his full legal name, his social security number, and the type of fi duciary he is. In Colorado, the correct choice is “personal representative”. Next one selects whether he is applying as a personal representative himself, or as a third party applying for another. Attorneys handling probate would select the latter; a representative should select the former. Click Continue to go to the next page.

On the next screen one enters the mailing address of the estate; this is usually the address of the personal representative himself, unless a law fi rm is handling probate. The representative will also enter a telephone number for the estate (again, usually that of the personal representative), and indicate whether there is another U.S. address to use. Click “Continue” to proceed. One should not include ANY PUNCTUATION MARKS – otherwise he will receive an error message. No commas, apostrophes, hyphens, etc.

On the next screen the representative will enter the name of the County and the State where the estate is being probated, as well as the date upon which probate was opened (this will be the date on the Order for Informal Probate and Informal Appointment of Personal Representative), and the closing month of the accounting year (this will virtually always be December). Click “Continue” to proceed.

Next the representative will be asked if the Estate will have any employees. This will usually be “No”. Click “Continue” to proceed. The representative will next be asked if he wishes to receive the confi rmation letter providing and confi rming the tax identifi cation number for the estate online or through the U.S. Mail. It is best to ask for it online if one is using one’s own computer and has access to a printer; one then will have the number right away, and can save the letter on his computer and print out as many copies as one might need. Click “Continue” to proceed.

On the next screen, there will be a summary of all of the information the representative has entered. The representative should review that information and, if it is correct, print the summary page for his records and click on “Submit”. The representative will then see a confi rmation letter on the screen; he can print it out and save it. The representative should then take this confi rmation letter with him to open the bank accounts, and to deal with other fi nancial accounts.

If information in the summary is incorrect, one can go back and correct his entries, using the “start a new application” link at the top left of the page.

As always, this information is presented for general informational purposes only, and does not constitute the offering or provision of legal advice. Consult with your legal advisor regarding our particular situation.

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

Representing Colorado Businessesand Business Owners

719.488.9395

THE LAWACCORDINGTO STEVENS

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

18

SNIPPETZ® THE LOCAL SCOOP

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SENIORNEWS LINE

by Matilda Charles

MEDICARE:MAKING

CHANGES IN YOUR

COVERAGE

It’s open enrollment time again. Have you reviewed your Medi-care plan and made any wanted

changes to your insurance or drug plans? You have a few more weeks to

get this done before the deadline on Dec. 31, 2009.

Even if you’ve been happy with your coverage this past year, it’s still a good idea to review what you have because the costs could change. Did you receive your 2010 Annual Notice of Changes? Providers are required to send it to you once a year. The infor-mation includes what you can expect for co-pays and insurance next year, as well as the costs and any changes in coverage. It’s also possible that your specifi c drug plan might not be offered next year. If that happens you’ll be shunted off to another plan -- one you might not want.

Reviewing your Medigap coverage (the policy that covers what the ba-sic Medicare doesn’t) could well be your most important step. By law, all Medicare Supplement Insurance (Medigap) policies must adhere to state and federal guidelines, but the

costs can vary.

If you need help (especially in sort-ing out the 12 Medigap policies A thru L), you can reach the helpline at 1-800-MEDICARE (1-800-633-4227). Representatives will assist you with questions about Medicare Part A (hospitalization) and Part B (medical insurance), too. They’ll be able to go over your health care choices with you, and answers questions about your rights and patient appeals and complaints.

If you have a computer with access to the Internet (or can use the ones at the library), go to www.medicare.gov for

links to a great deal of information.

Right on the front screen you can fi nd links to compare health and drug plans, fi nd drug-plan coverage in your area, and learn ways to lower your drug costs. For Medigap information, click on Compare Health Plans.

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to [email protected].


Article by Robyn GrahamKeller Williams

Real Estate, LLC

Things to Know WhenShopping for a Mortgage

This is the most important advise I can give you……..BEFORE you begin looking for a home, always talk to yourlender, have them pull a three-bureau credit score, and thendetermine exactly what loan program, loan amount and loanpayment for which you qualify and are comfortable!

debt, could meet or exceed 60% ofthier monthly income. The joy ofowning a new home was quicklyreplaced by the sinking feeling thattheir mortgage payment was nowcausing extreme financial hardships.

In the month of December, manyhome lenders are lowering the maxi-mum amount of monthly debt,including a housing payment, at45% of monthly gross income.

While lenders may have a maxi-mum amount you can allocate tohousing, no one knows what you arecomfortable paying more than you.Tell your mortgage lender what youare comfortable paying per monthand use that number to figure outthe cost of the home you can buy.

How to Get a Low Payment!If you ask your Realtor to negoti-

ate in the purchase agreement forthe seller to pay points to lower yourinterest rate, this will lower yourmonthly mortgage payment! ALSO,the IRS treats "points" or fees paidto lower your interest rate as an itemwhich is deductible on your incometaxes (even if it's the seller who paidthe points). For instance, if the sell-er pays 1 point (or $2000 on a$200,000 loan), you will get a lowerrate and lower payment, AND a$2,000 deduction on your incometax!

Both "qualified first time homebuyers" and "move up" buyers areeligible for a tax credit from UncleSam up to $8000. Some lendershave programs to use this tax creditas your down payment, thus lower-ing your loan amount and payment!

A Complete Library of PastArticles can be found at:

www.SpringsRealtyTalk.com

For further information, please feel free to call

Robyn Graham at Keller Williams Real Estate

719-216-4421 or [email protected]

If you need assistance improvingyour score and credit profile, mostlenders will give you a "to do" list orrecommend a professional who cancreate a plan to clean up your creditso that you will be in a position tobuy in the near future.

Know Your Ratios!During the boom, it was common

for prospective home buyers to qual-ify for a housing payment that, inconjunction with their other monthly

Know Your Credit Score!During the home buying boom of

2000 to 2005, getting a mortgagewith a FICO score in the low 500range was not unreasonable. Now,depending on your lender, theamount of your down payment, andthe mortgage program, the lowestacceptable FICO score is 680.

For those applying for an FHAloan, lower FICO scores may beacceptable but standards haverisen and can vary by lender.

Still Short Some Cash?While down payment requirements

have increased for some programs,it is still possible to buy a home withless than five percent down.

FHA will allow for you to qualifywith as little as 3.5% down. VA andUSDA loans still allow for no downpayment.

Granted, there are restrictions witheach of these programs that caninclude maximum loan amountsbased on your location with FHAloans, income and property require-ments for those offered by theUSDA, and your qualifying status asan eligible Veteran. However, theability to purchase a home with lessthan five percent down is still a pos-sibility for millions of Americans.

Also, keep in mind that sellers maystill offer concessions in the form ofpaying closing costs which can alsodecrease the amount of funds youmay be required to have to purchaseyour next home.

This information was provided courtesy ofRonda Curtis, Mortgage Loan Officer, AirAcademy Federal Credit Union (719)488-4954 and YOU Magazine.

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

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APARTMENTSfor RENT

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

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1 BEDROOM APT FOR RENT

On ranch. Utilities included. $650./month. Located off I-25 betweenLarkspur & Monument. No smok-ing. Pets & horses negotiable. 719-481-2126

CUSTOM HOME FOR RENTOff County Line Rd. 6 bedrooms / 4 baths, 3 car garage. $2250/mo. Short or long term lease. Pets OK. Owner/Agent. Call Jim: Stiltner Realty - 719-964-3526

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German shepherd breederin need of kennel hand

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HELP WANTED:PINZ is now accepting applica-tions for all positions. Applicants should be responsible and able to work nights and weekends. Customer service experience a plus. Please stop by to pick up an application. PINZ 855 Hwy 105 Palmer Lake.

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Winter 3 feedings a day. Visit our website at:

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INVESTMENT OPPORTUNITY!Well established

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Home Buyers!

The $8000Homebuyer TaxCredit has been

extended!!!

Call me to findout how you can

qualify!

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

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

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'98 Parade of Homes Winner; 3 Acres;Huge Stone Frplc Wall; Wood Beam Clngs;Granite & Stone; Romantic Master Suite w/

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Beautiful Views! .97 Acres; Vaulted Ceilings;Gas Log Frplc; Gourmet Kitchen; GraniteTravertine; Hardwood Flrs; 2 Dry Bars; RecRm; Mstr Bdrm on Main; 5pc Bath; Deck;NEW Roof & Windows; Security; Gazebo

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Search Entire MLS: www.CoSpringsMLS.com

OFFICE SPACE AVAILABLEIn my offi ce. Palmer Lake near

Hwy. 105. Great location.Call Dr. Meislahn

at (719)488-8789.

INVESTMENTOPPORTUNITIES

ARE NEW YEAR’SRESOLUTIONS DAUNTING?

Come join us for aWellness Worksop featuring Juice Plus nutritional supportproduct January 14 (7 to 8:30 p.m.) or January 16 (1:00 to 2:30 p.m.) at the Woodmoor Barn. Enjoy a free yoga demonstration. Learn howyoga can help improve and maintain good health. For moreinformation contact Sue Hippe at 719.332-7114.

202020

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Visit our web-site orcall us today to discuss

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www.LauriaBuilders.com

719-481-3249 [email protected]

God Bless America!

IMPROVE YOUR HOME TODAYFOR ADDED COMFORT, SPACE AND VALUE!

Lauria Builders & Land –(a family of builders since 1976)

Renovations, Remodels, Additions, & Custom Homes

FREE estimate, design ideas, immediate attentionlicensed, insured, references, friendly, affordable, great people

• Kitchen & Bath Remodeling • Custom trim, crowns, moldings• Finished lower level/basement• Bookcases, bars, closet designs• Window & Door replacement• Interior doors & hardware• and a whole lot more - Call us today!

Your Professionalfamily Salon

JOIN US FOR OUR3 DAY

CUSTOMER APPRECIATION SALE!DECEMBER 15, 16 AND 17

481-3094481 Hwy 105, Suite A

Monument Plaza Center

* Our Staff is Redken Trained * Continuous Education

to Better Serve You

Receive a Color Service & Get a FREEEyebrow Arch or Chemistry System Treatment

Receive a Men’s Haircut & Get a FREE Paraffi n Treatment or Scalp Conditi oning Treatment

Purchase a $100.00 Gift Card and receive a $25.00 Gift Card FREE to use in January or February 2010

Also in December - ALL PRODUCTS 25% OFFInnovations Salon would like to say THANK YOU to all our customers.Please stop in this month and enjoy all our great specials, or just to say HI!

We could not have had such a great year without you.Happy Holidays and have a Great New Year!!

Snippetz Issue 424

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