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719-488-1400 www.monumentcoins.com [email protected] In the MONTEVERDE Center 325 2nd St. Suite U, Monument Co Bring this ad to receive an Extra 5% when we buy your Gold NOW OPEN MONUMENT COINS Buy • Sell • Trade…Coins, Gold & Silver WE BUY GOLD! GET 40% OR MORE IN CA$H FOR YOUR UNWANTED GOLD! Al Dobrick - 30 Years Exp by Megan Barrette JRR Tolkien... Continued on Page 2 All your protection under one roof. Larry E Stiltner Agency 481 Hwy 105 Suite 212 (719) 481-8382 Bus Monument, CO 80132 ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 NA-07497 Rev. 1/03 http://insurance-agency.amfam.com/CO/larry-e-stiltner/ S n I p p e S n I p p e t z t z WEEKLY MAGAZINE SNIPPETZ COULD EASILY ACQUIRE A HOBBIT OF READING JRR TOLKIEN FREE WEEKLY ISSUE 518 • OCTOBER 3, 2011 A SPECIAL BRAND OF ACCOUNTS FIRST NATIONAL BANK MONUMENT 581 Hwy 105 Member 719-481-0008 www.fnbmonument.com COMMERCIAL EQUIPMENT LOANS 4.75% APR up to 60 Months Financing TIME TO UPDATE? 6 week program: Members $199.00 Non $249 8 week program: Members $229 Non $279 Both programs start: October 17, 2011 For both: Men & Women ĔēĚĒĊēę Ďđđ ĔĚēęėĞ đĚć ͳͺͻͶͷ ĊććđĊ ĊĆĈč ĆĞ ĔēĚĒĊēęǡ ͺͲͳ͵ʹ ėĔ čĔĕ ͳͻǤͺͺͶǤʹͶ͵ ǤǤ ĎĘĈĔěĊė ĔēĚĒĊēę Ďđđ ĔđċǨ ͵Ͳ Ǩ ͳͳ Ǥ Ǥ Ͷ Ǥ Ǥ Ǥ ͻ Ǥ Ǧ ǡ Ǥ ͵ͳǡ ʹͲͳͳǤ ȋͳͻȌ ͺͺͶǦʹͶ͵ Ǥ J RR Tolkien is a timeless author who had written many famous fiction stories and poems complete with imaginary creatures and made-up lan- guages which take readers into a made- up, yet believable, Middle-Earth. THE LIFE OF JRR TOLKIEN John Ronald Reuel Tolkien was born Jan. 3, 1892, in Bloemfontain, South Africa. His parents Arthur and Mabel Tolkien died when John was a child, leaving him and his younger brother to fend for themselves. John was sent to King Ed- ward’s School and later attended Oxford where he studied linguistics and English literature.

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Page 1: Snippetz_Issue 518

719-488-1400www.monumentcoins.com

[email protected] the MONTEVERDE Center

325 2nd St. Suite U, Monument Co

Bring this ad to receive an Extra 5% when we buy your Gold

NOW OPEN

MONUMENT COINSBuy • Sell • Trade…Coins, Gold & Silver

WE BUY GOLD!GET 40% OR MORE IN CA$H FOR

YOUR UNWANTED GOLD!

Al Dobrick - 30 Years Exp

by Megan Barrette

JRR Tolkien...Continued on Page 2

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

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

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

http://insurance-agency.amfam.com/CO/larry-e-stiltner/

SnIppeSnIppetztzSSnnIppppeeSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSnnnnnnnnnnnnnnnnnnnnnnnnnnnnIIIIIIIIIIIIIIIIpppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeetttttttzzttttttttttttttttttttttttttttttttttttzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzznnInnnnnnnnnnnIIIIIIIIIpppppppppppppppp™

zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzWEEKLY MAGAZINE

SNIPPETZ COULD EASILY ACQUIRE A HOBBIT OF

READING JRR TOLKIEN

FREE WEEKLY

ISSUE 518 • OCTOBER 3, 2011

A SPECIAL BRAND OFACCOUNTS

FIRST NATIONALBANK MONUMENT

581 Hwy 105Member 719-481-0008

www.fnbmonument.com

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For both: Men & Women

JRR Tolkien is a timeless author who had written many famous fi ction stories and poems complete with

imaginary creatures and made-up lan-guages which take readers into a made-up, yet believable, Middle-Earth.

THE LIFE OF JRR TOLKIENJohn Ronald Reuel Tolkien was born Jan. 3, 1892, in Bloemfontain, South Africa. His parents Arthur and Mabel Tolkien died when John was a child, leaving him and his younger brother to fend for themselves. John was sent to King Ed-ward’s School and later attended Oxford where he studied linguistics and English literature.

Page 2: Snippetz_Issue 518

JRR Tolkien...Continued from Page 1

2

ALL RIGHTS RESERVED © 2011

PUBLISHED BYFUNDER ENLIGHTENING, INC.

George Wilkins - Publisher

PO Box 789 Monument, CO, 80132

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

www.snippetzonline.com

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Soon after he received his degree, he married his childhood sweet-heart Edith Bratt. Edith was three years older than John and the two had attended King Edward’s School together. John’s mentor at King Ed-ward’s School thought Edith was too much of a distraction and John was not allowed to speak to or see her until he turned 21. John wrote her on midnight of his 21st birthday and convinced her to marry him. Obviously his letters proved effec-tive and the two were married and had four children together.

During his time at Oxford, John be-gan experimenting with a language of his own, which was a stepping stone for his imaginary world that he would come to call Middle-Earth. After he received his degree, he took a teaching position at his alma

mater. He began writing a mythol-ogy of an imaginary world that he called “Middle-Earth.” Throughout this process, “The Hobbit” and “The Lord of the Rings” were born.

John continued writing, citing his children as his ultimate inspira-tion, until he died on Sept. 2, 1973. Many of JRR Tolkien’s books were published posthumously after they were discovered by his son. One of his most famous works, “Silmaril-lion,” was among the works discov-ered after his death.

THE HOBBITThe Hobbit was JRR Tolkien’s fi rst work of published fi ction. The story was a coming-of-age fantasy about a small man-like creature that joins in a quest to retrieve a dragon’s treasure. The story featured illus-trations drawn by Tolkien himself. “The Hobbit” was so popular that

the publisher asked for Tolkien to write a sequel. Seventeen years later, “The Lord of the Rings” was published.

According to JRR Tolkien, he cre-ated a hobbit while grading school papers. “On a blank leaf I scrawled: in a hole in the ground there lived a hobbit. I did not and do not know why.” Hobbits call themselves hob-bits. There was so much debate over whether or not the hobbit was an original idea thought up by JRR Tolkien that the Oxford English Dictionary stepped in and credited Tolkien with the creation of a hob-bit by giving it an offi cial defi nition. The Oxford English Dictionary de-fi nes a hobbit as: “one of an imagi-nary race of half-sized persons in stories by Tolkien.”

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HOBBIT COMING SOON TO A THEATER

NEAR YOUKeeping with the current trend of turning great books into high-bud-get fi lms, “The Hobbit: An Unex-pected Journey” is set to release in theaters Dec. 14, 2012. “The Hob-bit” will star Cate Blanchett, Bene-dict Cumberbatch, Orlando Bloom and Elijah Wood. The movie fea-tures protagonist Bilbo Baggins as he journeys to the Lonely Mountain in an attempt to reclaim treasure taken by a dragon named Smaug.

A HOME FITFOR A HOBBIT

Many people are so fascinated with hobbits that they make it their liveli-hood to eat, breath and live hobbit culture. In fact, there are many peo-ple around the world that choose to live like hobbits - in a hole.

There is a quaint house located in Montana that caters to hobbit lov-ers from around the country. A two-room large guest house provides guests with a unique vacation ex-perience. Hobbit house guests are greeted with furry slippers and robes as soon as they arrive to make their stay one they won’t soon forget.

Who says you can’t build a house these days without breaking the

bank? Not Simon Dale. A young father in England built a house for 3,000 Euros ($4,047 American dollars) in order to reduce his im-pact on the Earth and pay homage to JRR Tolkien himself. The man was neither a carpenter nor an ar-chitect but with the help of family and friends he created a house that would make Tolkien and hobbits all over the Middle-Earth proud. The house boasts one bedroom, a loft, a hobbit-sized living room and a kitchen.

JRR Tolkien, although a fan of the hobbits himself, did not live in a hobbit-type home. Fame and fortune was never Tolkien’s goal. Tolkien preferred to live modestly among the middle class, writing in peace and quiet.

LORD OF THE RINGS: MORE THAN

JUST A BOOKIf you are unaware that JRR Tol-kien’s literary work of genius, “The Lord of the Rings Trilogy,” has been made into three award-winning movies, then you must be living under a rock… or be cut off from modern society. The books have inspired more than just mov-ies, which have impacted popular culture in many ways.

• The Lord of the Rings was cited

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as the greatest book of the century, according to several British polls. JRR Tolkien has sold over 100 mil-lion books worldwide.

• The Lord of the Rings movies grossed more than $2.9 billion dol-lars worldwide.

• The Lord of the Rings has been called “the world’s most popular work of fi ction.”

• In addition to multiple Acad-emy Awards, each fi lm of the tril-ogy won MTV Movie Awards’ Best Film, and the Hugo Awards for Best Dramatic Presentation categories. The fi rst and third fi lms also won the Best Film BAFTAs. The Return of the King won an Oscar for Best Music Score. The New York Film Critics Circle awarded The Return of the King its Best Picture Award in 2003.

• The Lord of the Rings inspired the popular game, Dungeons and Drag-ons. It also inspired many computer games and, of course, children’s toys.

FAMOUS JRR TOLKIEN QUOTES

• “The wise only speak of what they know.”

• “It is the job that is never started that takes longest to fi nish.”

• “Courage is found in unlikely places.”

• “All that is gold does not glitter, not all those who wander are lost; the old that is strong does not with-er, deep roots are not reached by the frost. From the ashes a fi re shall be woken, a light from the shadows

shall spring; renewed shall be blade that was broken, the crownless again shall be king.”

FUN FACTS• While Tolkien was working on the sequel to “The Hobbit,” he devel-oped a close friendship with another well-known writer, C.S. Lewis. The two critiqued each other’s works in an informal group of writers known as the Inklings.

• Bilbo Baggins, a character from “The Hobbit,” was created to rep-resent rural Englishmen of his own time.

• Tolkien began creating his own languages when he was a young boy. Animalic, Nevbosh and Naf-farin were all created by the time he was 9 years old.

• During Tolkien’s fi rst semester at Oxford, he stole a city bus as a prank and took his friends on a joy-ride.

• When Tolkien’s son Michael en-listed in the army, he listed his fa-ther’s profession as wizard.

• In 1918, Tolkien was invited to work on the Oxford English Dic-tionary. However, by the time he joined in, the writers were already on “W.”

• The person responsible for deem-ing “The Hobbit” worthy of pub-lishing? Ten-year-old Rayner Un-win. He was paid one shilling for his input.

Happy belated birthday, Bilbo Bag-gins (and nephew Frodo)! Sept. 22 is recognized by Hobbit fans every-where as “Hobbit Day.” Break out the wine and mushrooms, a Hob-bit’s favorite treat, and celebrate in style!

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SNIPPETZ®: THE LOCAL SCOOP

Hypersensitivity is when a person reacts more intensely to certain events than how a

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It is not wrong to be hypersensitive, but the person’s perception of pain (mental, emotional, and physical) is about of balance; thus not allowing enjoyment of life to occur. How do people become hypersensitive? An adolescent or adult who is hyper-sensitive is usually born sensitive. If that sensitivity is not respected, hypersensitivity occurs.

For example, a child may demon-strate signs of being sensitive by be-coming easily upset at loud noises, may show some “irrational” fears, may not accept criticism very well

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at all. It is not for the family to walk on eggshells around the child, but to work with the child to examine reactions, responses, to offer love and compassion, and to commu-nicate consistently. The sensitiv-ity is part of the genetic structure the child carries. That gene could have come from a grandparent or a great-grandparent, not just a par-ent or parents. If the child’s family chooses to attempt to force the child to change, to suppress feelings, or to ignore certain feelings, then the child begins developing hypersensi-tivity. When the child suppresses his or her true feeling state, as a result of being taught to suppress, a false feelings state develops. When the feelings are suppressed, compres-sion occurs, and then depression occurs. As a result, the child’s per-ception of pain becomes out of bal-ance and the child may demonstrate an imbalanced response to an event, conversation, or relationship.

Life Energy Flow Tai Yi offers a treatment titled Hypersensitivity. This treatment brings a balance to the meridians in the body that di-rectly affects the perception of pain. Utilizing pressure points and Uni-versal Energy, the practitioner be-gins assisting the person in creating a balance so that the perception of pain moves into balance with the actual pain. When that occurs, the person can more easily examine painful events, traumas, and emo-tions without getting caught up in them. Also, the treatment brings the intuitive into more balance as well. That allows for a deeper mental, emotional, and physical healing to occur.

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It's a whole new world out there,and it's growing and changingexponentially. If you're not keep-ing up with at least the basics,you're going to find yourself com-pletely lost in the future. What Iwill do in the articles to come willbe to explain in layman’s termshow to use your computer inorder to simplify your life.

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For complete beginners who arejust starting to use a computerand want to learn the most basicsteps, type this website addressinto the address bar on yourinternet:http://tech.tln.lib.mi.us/tutor/You will find this 10 minute step-by-step tutorial will show you thebasics of how to get around onyour computer with your mouse.

Here is just one of the free web-sites that will teach you thebasics of how to use Word, Exceland Powerpoint. It also has freestep by step courses foradvanced web “masters” to learnWeb Design and Coding.http://www.homeandlearn.co.uk/

And for you curious types, here’sa simplified explanation of how acomputer works, go to:http://www.gcflearnfree.org/com-puterbasics

Find all past articles at www.WebChatbyRobyn.com

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SNIPPETZ® WEEKLY MAGAZINE

By Samantha Weaver

• It was noted American wit Grou-cho Marx who made the following sage observation: “There’s one way to fi nd out if a man is honest -- ask him. If he says ‘Yes,’ you know he is a crook.”

• When the city of Los Angeles was founded, it was given the name “El Pueblo de Nuestra Senora de los Angeles de Porciuncula,” which translates to “The Town of Our Lady of the Angels of Porciuncu-la.” Back then, in 1781, there were just 52 settlers to start what is now the second most populous city in the country.

• When speaking of dead languag-es, Latin is the one that probably comes to mind most often. It’s not quite dead, though; it’s the offi cial language of Vatican City.

• Those who keep track of such things say that a professional bal-let dancer goes through about 130 pairs of toe shoes in a single year.

• The yo-yo became popular in the United States after it was mar-keted by Donald F. Duncan Sr., a businessman from Chicago, but he didn’t invent the toy. In 1928, Dun-can was on a business trip to San Francisco when he saw Philippine immigrant Pedro Flores, who had gotten fi nancing to manufacture the yo-yos and had trademarked the name, demonstrating how to use the toy. Duncan realized that the toy had the potential to be a huge success, so he paid Flores $5,000 for all the rights. Incidentally, the name “yo-yo” means “come-come” in the native language of the Philip-pines.

• If you’re like the average Ameri-can, showers account for nearly one-third of your home water use.

***

Thought for the Day: “Any re-viewer who expresses rage and loathing for a novel is preposter-ous. He or she is like a person who has put on full armor and attacked a hot fudge sundae.” -- Kurt Von-negut Jr.

(c) 2011 King Features Synd., Inc.

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• On Oct. 9, 1635, religious dissident Roger Williams is banished from the Massachu-setts Bay Colony by the General Court af-ter speaking out against the right of civil authorities to punish religious dissension. Williams established a settlement called “Providence” in Rhode Island, open to those seeking freedom of conscience.

• On Oct. 6, 1866, in Indiana, the Reno Gang carries out the fi rst robbery of a moving train, making off with $10,000. This new method of sticking up moving trains in remote loca-tions low on law enforcement soon became popular in the American West.

• On Oct. 3, 1917, the U.S. Congress passes the War Revenue Act, increasing income taxes to raise money for the war effort. A graduated tax system was introduced, with rates starting at 1 percent and rising to 7 percent for taxpayers with income above $500,000.

• On Oct. 4, 1927, sculpting begins on the granite images of presidents Washington,

Jefferson, Lincoln and Roosevelt at Mount Rushmore in South Dakota. Jefferson’s im-age was originally fashioned to the right of Washington. Within two years, the face was badly cracked and workers blasted the sculpture off the mountain. Sculpting be-gan again with Jefferson on the left side of Washington.

• On Oct. 5, 1947, President Harry Truman makes the fi rst televised presidential ad-dress, asking Americans to cut back on food to help starving Europeans. He requested that the public voluntarily forgo meat on Tuesdays, eggs and poultry on Thursdays and to save a slice of bread each day.

• On Oct. 7, 1960, the fi rst episode of the one-hour television drama “Route 66” airs. The show followed two young men, Buz Murdock and Tod Stiles, as they drove across the country in a Corvette convertible, doing odd jobs and looking for adventure.

• On Oct. 8, 1970, the best-known living Russian writer, Aleksandr Solzhenitsyn, wins the Nobel Prize for literature. The Soviet government demonstrated its dis-pleasure by preventing him from personally accepting the award. Solzhenitsyn’s works had to be secreted out of Russia in order to be published.

(c) 2011 King Features Synd., Inc.

THE PLACE FOR GREATBIRTHDAY GIFTS

FREE Gift Wrapping

Unique HandcraftedDollhouses & Accessories

for the Discriminating “Mini-Home Owner”

Both stores conveniently located at274 Washington Street, Historic Monument

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Page 9: Snippetz_Issue 518

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SNIPPETZ®: THE LOCAL SCOOP

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IS IT TIME TO STOP DRIVING?

In spite of our reputation, the sta-tistics say that we seniors aren’t bad drivers.

A 2010 report by the Insurance In-stitute for Highway Safety says that, “Contrary to expectations, senior drivers aren’t causing more crashes than they used to.” Rates of crashes in drivers 70 and older have actually declined.

The catch, however, is that we must know when to stop or limit our driv-ing. Once we start making driving mistakes, the results can range from merely annoying (having our driv-ing restricted) to catastrophic (a se-rious crash or death).

Ask yourself: Are other drivers honking at you more lately? Have you hit a curb or mailbox? Do you have a hard time backing up, pos-

sibly because it’s diffi cult to turn around in the seat? Do you won-der which way to go at exit ramps? These might be signs that you need to think about whether to continue driving.

There are tools and information on-line to help you decide if you need to stop or limit your driving.

Go to www.hartfordauto.thehart-ford.com and search for Crash Risk Assessment. Also look for Safety for Older Drivers. Take the quiz for drivers age 50 and older.

Consider taking a senior driver re-fresher course. Go to AARP.org (or call 1-888-227-7669) and look for Driver Safety Program. Locate a class near you or sign up for the online class. Classes are often held in senior centers, adult education classes and hospitals.

If you’re concerned about an elder-ly parent who is still driving, AARP has put together an online seminar that helps explore the topic. Go to AARP.org and search for “We Need to Talk” or call the AARP number above.

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].

(c) 2011 King Features Synd., Inc.

SNIPPETZ®

CLASSIFIED

6 LINES Only $5 A Week (minimum 5 weeks)

Call: 719-487-0484

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

Ads must be submitted

by E-mail or U.S. Mail

E-mail: [email protected]

or

Funder Enlightening, Inc.

PO Box 789

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NOW HIRINGAll positions and management.

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The Carpenter ConservatoryCurrently Has A Few Openings

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Page 10: Snippetz_Issue 518

10

SNIPPETZ® HEALTH AND WELLNESS

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

Lisa Brownworth, N.P.

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DEAR DR. DONOHUE: What is the difference between anxiety and panic attack? I am claustrophobic, and I need to fl y from the West Coast to the East Coast and back. I can’t do so because of my problem. I have tried therapy several times, but it did not help. I do not want to go that route again.

Can you give me some suggestions on how to be able to fl y with this problem? Is there a medicine I could take before I get on the plane? -- Anon.

ANSWER: Anxiety is excessive wor-ry. In some cases, worry is appropri-ate. But with pathological anxiety, the worry is about things that don’t merit worry or about imagined things that truly merit no concern. Under “anxi-ety disorders” are many different con-ditions, each with a slightly different set of symptoms. They all share some things in common.

Panic attacks are the sudden onset of terror in places where such terror is in-appropriate. The attack builds to a high point in a matter of 10 minutes or less. The attack can take place in a perfectly neutral situation, like shopping in the grocery store. During an attack, the heart beats fast, people become short of

breath, and they often sweat and fear they are at death’s door.

Phobias are unreasonable fears of people, places and things that don’t engender fear in others. Claustropho-bia is the fear of being in an enclosed space, like an air-plane. Phobias can bring on a panic attack. Maybe your phobia is not so much a fear of enclosed space but a fear of fl ying.

I’m not certain these distinc-tions are of importance to you. The important thing for you is to uproot whatever it is that paralyzes you when you must board an airplane or to blunt it so you can function. Mental health professionals can get you over anxiety, panic attacks

and phobias. I’m not positive what you mean by “going that route” again. Do you mean a detailed probing into your childhood and such matters? That isn’t usually necessary. The doctor might prescribe a medicine that calms you and that you take only when needed. You won’t become dependent on that medicine every day of your life. You use it only for the situation that throws you into such high anxiety. ***DEAR DR. DONOHUE: My hus-band, 78 years old, fell off a ladder, and his head struck the sidewalk. I insisted he go to the emergency room, although he put up a fi ght.

In the ER, the examining doctor gave him a very complete examination. He ordered a CT scan of his brain. The doctor found nothing wrong, and the scan was said to be normal. They sent us home.

This week we got a report of the scan. It says my husband has brain atrophy. I had to look up the meaning of atrophy. My husband was never an Einstein, but what is the signifi cance of brain atrophy? He carries on a reasonable conversation, and he reads the paper carefully. Need we be concerned? I’m

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upset. He isn’t. -- W.Y.

ANSWER: Atrophy means shrinkage. If everyone your husband’s age had a brain scan, most of their reports would say brain atrophy. It’s something that happens with age.It doesn’t imply any serious trouble. It shouldn’t scare you or him.

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

(c) 2011 North America Synd., Inc.All Rights Reserved

ANXIETY,PHOBIAS AND

PANIC ATTACKS

Page 11: Snippetz_Issue 518

11

SNIPPETZ® WEEKLY MAGAZINE

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SLEEPON IT!

One of the biggest surprises in our clinic was the epidemic of sleeplessness. Many people struggle to

get to sleep, stay asleep and then wake refreshed. Stress, age, diet and blood sugar imbalances can impact this issue, but simple actions can change it in a short period of time.

IMMUNITYPeople who get less than 7 hours of sleep/ night are 300% more likely to catch colds (JAMA study). Sleep boosts your immunity and lack of sleep lowers it. Your body will get rest one

way or the other!

WEIGHT LOSSPeople who get good rest (uninterrupted 7-9 hours) have, on average, a smaller BMI (height/weight ratio) than people who don’t get good sleep.

Too little sleep impacts the hormones that regulate appetite and thus weight, especially in the mid-section.

BLOOD PRESSURE & DIABETES

Lack of sleep is associated with higher levels of stress hormones that can increase blood pressure and affect glucose metabolism. Research has shown that people who sleep less than 5 hours/night are 500% more likely to have elevated blood pressure than those

who get more than 6 hours/night.

The same people getting 5 hours/night of sleep are 300% more likely to have diabetes. Clearly sleep is important!

TIPS TO IMPROVED SLEEP

1. Go to bed earlier - - the hours before midnight are twice as valuable as the hours after midnight.

2. Have an evening routine. Children who have ‘bedtime routines’ sleep better and so do adults. Begin to relax an hour before your bedtime to let your body know it is time to sleep.

Consider a protein shake before bed. I often had my clients take a shake in the evening. This can help balance blood sugar which can allow the body to sleep uninterrupted (check out my recommendations for shakes at www.lifestyleforhealth.com)

Avoid sugar after 4:00 p.m. Sugar often impacts body temperature (i.e., hot fl ashes) which can disrupt sleep.

R&R Pose. Lie on the fl oor with your feet elevated on a chair or footstool, arms at your side. Close your eyes, breathe deeply and just relax with no stimulation (no reading, talking, music, TV, etc). Lying in that position for 15 minutes is equivalent to 4 hours of rest. Don’t do it twice and think you can skip sleeping! This is designed to help you catch up on rest!

Night Night –

Enjoy your sleep tonight!

For additional informationcontact Dr. Cherylat: 719-487-3171

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Page 12: Snippetz_Issue 518

12

SNIPPETZ®: COMMUNITY CALENDAR

TRI-LAKES NETWORKING TEAM“Uniting Women to Build Relationships, Achieve Success and Improve Our Commu-nity” Presents: Computer Viruses and ScamsOctober 11th 6:30 to 9 pm/ Champs Restau-rant – Shops at Briargate. Go to www.trilakes-networkingteam.com to register!

PEACE.LOVE.SWAP. KID’SCLOTHING AND GEAR SWAP

Aerials Gymnastics East, Colorado Springs

Sunday, October 16, 20112:00 pm to 5:00 pm

Swap Maternity-Baby-Kids-Teen clothing, toys, and gear. Kids grow out of their stuff so fast & always need new stuff, & in this eco-nomic climate, what better way to get “new” stuff than to swap with other families. That is what peace. love. swap is all about. For only $5 (if you prepay $6 at the door), you take as much stuff as you need - period. Need a pack n play? done. Clothes for all three of your kids? done. Books, toys, shoes, swings.. we have that - and it’s all only $5. The only rule? Take only what you need, and bring it back when you are done. That’s all we ask. peace. love. swap is truly a win- win for everyone involved. In this economic climate & in a time when re-cycling and keeping stuff out of landfi lls is so important, we need to make families aware of something so unique. Any help in getting the word out is greatly appreciated! It’s green, fun, philanthropic & catching on fast! More info: http://peaceloveswap.com/swaps/colorado-springs/

PLAN AHEAD---VIKING FAIR October 22, 9am to 2pm

Breakfast, bizarre, crafts, raffl es, music, art, baked goods--including Scandinavian items, at Viking Hall, 1045 Ford St. (off Galley, east of Powers), Colorado Springs. Breakfast cost is $8. No admission fee. For information and vendor procedures phone 719-351-3554. Sponsored by Sons of Norway for fun and funds for humanitarian relief, building and scholarships.

SNIPPETZ COMMUNITY CALENDARwww.fepublications.com

WORKSHOP: HOW MONEY WORKS!10/25/11, 11:30 – 1:00pm

the Tri-Lakes Business Incubator,14960 Woodcarver Rd,

Colorado Springs, CO 80921About: We all go to school for 12 to 16 years for reading, writing and arithmetic and we never really learn anything about How Money Works! I will show you how to apply fi nancial principals to grow and PROTECT your money for college funding, retirement planning or sim-ply wealth accumulation - with money you nev-er even knew you had! Presented by: Michael Clark-Dreibus, Keep-A-Smile Insurance. Cost: $5 TLBI members, $10 non-members Ad-vanced Registration: Heather McEntee,[email protected], 719-481-4877 x100

SAFE TRICK OR TREATOctober 30 from 3:00 to 5:00pm

Bring the kids downtown for a night of safe trick-or-treating as Monument merchants provide treats, activities and show-off their creative costumes. The Monument Police De-partment patrols the streets to help insure the safety of our goblins.

BANNER CHRISTMAS Historic Downtown Monument is sponsor-ing the the third annual “Banner Christmas.” Banner Christmas features original Christmas art banners, handpainted by renowned local artists. The banners are on display on lam-posts in the historic downtown of Monument. Unveiling is the Friday after Thanksgiving and they remain on display throughout the holiday season. If you are interested in painting a ban-ner for the 2009 season, please contact Vicki Mynhier at 719.460.4179 or email at [email protected].

SMALL TOWN CHRISTMASHeld the fi rst Saturday in December from 10:00am to 2:00pm, this day full of holiday activities includes visit from Santa and Mrs. Claus along with crafts and activities for chil-dren, open houses and other special events as the merchants of Historic Downtown Monu-ment celebrate a Small Town Christmas

TO SUBMIT YOUR EVENT - GO TO:http://snippetzonline.com/submit-an-event.html

THE EMPTY BOWLS DINNER AND

SILENT AUCTIONWEDNESDAY, OCTOBER 12

Monument Hill Kiwanis proudly presents the 2011 Empty Bowls Dinner

and Silent Auction. Thanks to the generosity of several area restaurants and businesses, guests will enjoy a variety of delicious soups, wonderful breads and mouth-watering desserts. Guests may also select a beautiful complementary bowl handmade by regional artists. A spectacular Pikes Peak helicopter ride and a beautiful ruby ring are only two of the items in a large silent auction on which guests may bid.

The items have been donated by area businesses and the silent auction is being sponsored by Tri-Lakes Cares volunteers. Come and enjoy a fun evening, fi ll your bowl and fi ll a community need. Proceeds go to Tri-Lakes Cares, a 501(c) (3) organization that helps those in need in our community. The Empty Bowls Dinner and Silent Auction: Wednesday, October 12, Lewis Palmer High School, 1300 Higby Rd, Monument, CO, 5:00 PM to 7:30 PM, cost $20 which includes one child under 12 free, checks payable to Monument Hill Kiwanis.

Tickets are available at the door and in area stores: In Monument: High Country Home and Garden, Covered Treasures Bookstore, Rosie’s Diner, Hangers; in Palmer Lake: Rock House; in Jackson Creek: Tri-Lakes Printing. For more information call Mark Zeiger at 719.488.5934.

WHEN AN UNSTOPPABLE FORCE TEAMS UP WITH AN IMMOVABLE

OBJECTBy Nicholas Yanez

Whether it is upon a mountain or in a valley; in the midst of the city traffi c or held within the

breeze of an open fi eld. It might be two trees collapsing over one another, or family moving into their cabin. It could even be two pieces of dust, or a busi-ness deal in New York. When two forc-es combine, there must be a reaction. The combination in which this article is directed at is the one between Pinz Bowling Center and the 2012 Palmer Lake Fireworks Committee. The two have combined forces for the greater good of our community, and now Pinz, the premier entertainment center in the Tri-Lakes area, is the home of the 2012 Fireworks committee.

Gloria McCartan, co-owner of Pinz,

states that “after seeing the celebra-tion, its incredible production, and all the good it does the community, I had to be a part of it”. And so it begins… As you all know, this week is Oktober Fast at Pinz. There’ll be free sampling throughout the week, and on the big day (October 8th from 11-3) along with the car show, beer sampling, and mu-sic, there will be charitable events. The fi rst being that Pinz will be donating proceeds of the Oktober Fast Car Show to animal rescues. The second has to do with what I’ve been desperately set-ting up this whole time. This Saturday at Oktober Fast, citizens can partake in a car bash and tractor pull that benefi t the 2012 palmer Lakes Fireworks. Pinz also has a Haunted House in the works for late October that will benefi t the lo-cal organization.

So as you can see, this lethal combi-nation is already making headway that will largely affect your favorite summer holiday. Peanut Butter and Jelly, Sunny and Cher, Owen Wilson and Vince Vaughan, Dresses, Shoes, and Purses, can all take a bow now to the spec-tacular combination of Pinz Bowling Center and the Palmer Lakes Firework Committee. No they can’t be eaten for lunch or make classic comedy fi lms, but they can bring joy to thousands of locals who rely on one a day a year to leave them in awe. Rest assured with Pinz on board, your 4th of July will be the greatest 4th day… ever.

Page 13: Snippetz_Issue 518

13

SNIPPETZ® WEEKLY MAGAZINE

A NATIONAL RECIPE,A LOCAL FLAVOR!

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LOOK WHAT’SCOOKING...

The Tri-Lakes Music Association is once again performing a com-munity wide Christmas concert

series being performed on the weekend of December 9th, 7PM December 10th, 7pm and December 11th, 2PM The pro-ceeds from this event will be donated to Tri-Lakes Cares, a non-profi t organiza-tion and create two college scholarships.

The Tri-Lakes music association is recruiting musicians (vocal as well

as instrumental) to perform in this concert. This event is made up of community volunteers that wish to give back to the tri-lakes region.Vocal practices are on Sundays, 1PM at The Inn at Palmer Divide (443 South Highway 105, Palmer Lake, CO 801322. The rehearsals are held downstairs in the conference facilities.

The performances will consist of a two hour concert that will feature various performance groups. The post intermis-sion section will feature the Tri-Lakes Music Association’s orchestra and choir performing Phil Barfoot and David Williamson’s “The Gift or Christmas”.

“This event is truly a community wide happening, very similar to the very suc-cessful annual empty bowl dinner” said Manning. “The group that comes to-gether to perform these musical works

do it out of the goodness of their heart and soul. They spend countless hours preparing for and putting on a very professional concert. The groups are not made up of paid professionals but local community members who have a need, a desire, to give back to the com-munity in which they live. This year, as in the years past, the proceeds go to help a more than worthy causes – Tri-Lakes Cares. Tri-Lakes Cares has done so many good things in the Monument community and are always in need of additional funding. Our fi rst concert raised approximately $2600 and the re-maining have raised about $4000 each yielding a total of about $35,000.00. We would love to top that amount this year but need everyone’s help if we are going to be successful. Two years ago we started the practice of giving two $500 scholarships to two deserving LP high school seniors. We don’t require

that they be music majors but will fol-low a life long appreciation of music”.

This event is funded by several lo-cal churches and community mem-bers and the community is encour-aged to contribute if they so desire.

Admission to the concert is free and is on a fi rst come fi rst serve basis. A free-will offering will be taken up during the concert every dime of which goes to Tri-Lakes Cares as well as the two $500 scholarships.

For further information concert series please contact Bob Manning at (719) 232-4114 or [email protected]. Also, additional information can be obtained by visiting the Tri-Lakes Music Association’s website: www.tri-lakesmusic.org

RECRUITINGMUSICIANS FOR TENTH ANNUAL

TRI-LAKES MUSICASSOCIATION

CHRISTMAS CONCERT SERIES

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14

SNIPPETZ® DINING GUIDE

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We will be open year round for lunch, dinner and will be serving brunch on Saturday and Sunday beginning October 8th. Come enjoy the beauti ful views and cozy atmosphere along with the same delicious Italian food, wine and wonderful service you have come to love.

For questi ons or informati on prior to October 1styou can call Mary Beth at 719-208-9300.

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15

SNIPPETZ® DINING GUIDE

Pizza • Pasta • LasagnaSalads • Sandwiches

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ith the political season under way, with of its political prom-ises, I’m reminded of a famous old political slogan, about “a

chicken in every pot.” While the quote is often attributed to President Herbert Hoover, its origin is thought to be from King Henry IV of France.

In the 17th century, he reportedly said that, “I want there to be no peasant in my kingdom so poor that he is unable to have a chicken in his pot every Sunday.” The Republican Party ex-panded the saying during the 1928 presidential campaign in an advertisement that promised “a chicken in every pot and a car in every back-yard, to boot.”

While modern-day promises have changed somewhat, it’s still a wonderful thing to come home to a pot full of fl avorful chicken. If you’re the one responsible for the cooking, that could be a problem -- unless you use a slow cooker to make that meal.

Slow cookers use a low temperature to cook foods and retain moisture. They generally op-erate at 170 F to 280 F. This might seem too low to be safe, but in fact, the slow cooker’s direct heat on the food, long cooking time and the steam produced inside a tightly covered con-tainer makes the process safe. The combination kills harmful bacteria that can cause illness. It also helps less expensive, leaner cuts of meat become tender and shrink less, according to the Food Safety and Inspection Service.

My recipe for Sweet and Sour Slow-Cooker Chicken contains easy convenience ingredients and is a complete and delicious meal in a pot ... and that’s a promise!

SWEET AND SOUR SLOW-COOKER

CHICKEN2 pounds boneless, skinless chicken thighs, cut into 1/2-inch strips 2 tablespoons light soy sauce 1 (16-ounce) package fresh or frozen and thawed stir-fry vegetables1 (8-ounce) can pineapple chunks in unsweet-ened juice, drained, reserving juice 1/2 cup purchased sweet-and-sour sauce 2 teaspoons cornstarch1 teaspoon grated ginger root or 1/2 teaspoon powdered ginger1 large (about 16 ounces) can or bag crispy chow mein or rice noodles3 green onions, white and green parts, cut into 1-inch pieces

1. In 3 1/2 to 4-quart slow cooker, combine chicken and soy sauce; mix to coat evenly. Add the stir-fry vegetables and reserved pineapple juice. Stir to combine. Cover; cook on low set-ting for 4 to 5 hours.

2. In small bowl, combine sweet-and-sour sauce, cornstarch and gingerroot or powdered ginger; and stir until well-blended. Stir into chicken mixture. Add pineapple chunks; stir gently to mix.

3. Increase heat setting to high; cover and cook an additional 20 to 25 minutes. Serve over chow mein noodles and sprinkle with the green onions. Makes 6 serv-ings.

(Additional information provided by Janet Hack-ert Nutrition and Health Education Specialist, University of Missouri Extension.)

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Angela Shelf Medearis is an award-winning chil-dren’s author, a culinary historian and the author of seven cookbooks. She’s known as The Kitch-en Diva and is the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Her latest cookbook is “The Kitchen Diva Cooks!” Her new inspirational book is “Ten In-gredients for a Joyous Life and a Peaceful Home -- A Spiritual Memoir” and was co-written with Pastor Salem Robinson Jr. (www.dunnsmemori-al.com) Visit her website at www.divapro.com.

(c) 2011 King Features Synd., Inc.

Page 16: Snippetz_Issue 518

16

(c) 2011 King Features Synd., Inc.

Trivia Test ByMarge Svenson Sports Quiz By

Chris Richcreek

1. GEOGRAPHY: What U.S. state lies directly south of South Da-kota?2. HISTORY: Which World War II battle was fought entirely by air?3. FAMOUS PEOPLE: Martha Jane Burke was better known by what name? 4. GENERAL KNOWLEDGE: Who was known as the Maid of Or-leans? 5. LITERATURE: Who wrote the book “The Wonderful Wizard of Oz”?6. LANGUAGE: What is some-thing that is mordant?7. RELIGION: Who was the fi rst canonized saint of the New World?8. TELEVISION: Who is the voice of Moe in the animated comedy “The Simpsons”?9. GEOLOGY: What is coal made of originally?10. POETRY: Who wrote the line, “But only God can make a tree.”

1. When was the last time before 2010 that no Los Angeles baseball team was in the major-league playoffs?2. Three Seattle Mariners stole at least 25 bases each during the 2010 season. When was the last time the Mariners accomplished such a feat?3. Name the last NFL expansion franchise before the Houston Texas in 2002 to win its inaugural regular-season game.4. How many times has a University of Kentucky Wildcat basketball player been the No. 1 overall pick in the NBA Draft?5. In the 2010-11 season, Teemu Se-lanne tallied 80 points, the third-highest total for a player 40 or older in NHL history. Who had the top two totals?6. Who was the fi rst NASCAR driver other than Richard Petty to win the Daytona 500 more than once?7. Name the last left-handed tennis player before Petra Kvitova in 2011 to win the Wimbledon women’s singles title.

(c) 2011 King Features Synd., Inc.

SNIPPETZ® PUZZLES AND TRIVIA

1. Who sang and released “Drag City” and “Honolulu Lulu”?

2. Both a single artist and a group released songs called “Is-land Girl.” Name them.

3. Name the Jackson 5 brothers in order, oldest fi rst.

4. How much did promoter Bill Sargent offer the Beatles to get back together for one concert? What year was it?

5. Which artist released an al-bum with the title “The Rise and Fall of Ziggy Stardust and the Spiders from Mars”?

6. Name the only album by sing-er Pat Benatar to go to No. 1.

New DVD Releases forWeek of October 3, 2011

PICKS OF THE WEEK“Buck” (PG) -- This documentary tells the story of real-life cowboy and horse-guru Buck Brannaman. Buck’s talent is some-thing astounding to behold -- he empha-sizes sensitivity and partnership when he’s working with defi ant equestrians. As Buck puts it, he’s “helping horses with people problems.”The fi lm links Buck’s profound sympa-thy with his childhood as the abused son of another famous cowboy hero. When

Buck sees troubled horses, he has an un-canny ability to see through to the troubles in the lives of their owners. This tale of a true character with awe-inspiring presence and an enormous heart has rightfully been wrangling in awards since hitting the trail at Sundance.

“Fast Five” (PG-13) -- Against the exotic backdrop of Rio de Janeiro, a wild crew of expert drivers plot one last criminal act to get escape the law. If you had Dwayne Johnson coming after you, you’d drive like a maniac too. As the fi nal stunt in the “Fast and Furious” series, Paul Walker, Vin Die-sel and Tyrese Gibson reprise their roles, and yes, they all still have abs.Every shot that isn’t going 100 miles an hour is packed with some form of eye can-dy -- exciting locales, daring stunts, fl ashy cars or shots of the beautiful women who apparently live in remarkable population

densities throughout Brazil. The movie’s climactic one-last-heist is a fi tting end for its adrenaline-injected franchise.

“Scream 4” (R) -- When this series started more than a decade ago, it was the fi rst slasher series to attain full self-awareness. As a loving parody of a genre known for predictability, “Scream 4” tries to inject some whodunit mystery into the darkened territory of horror movies.When beautiful young starlets are getting killed off like it’s the ‘90s again, returning members of the original cast (Neve Camp-bell, David Arquette and Courtney Cox) must solve the mystery and stop the Ghost-face Killer before there isn’t anybody left in the movie younger than 40. While teen girls tremble in horror of a mad man with a kitchen knife, audiences might sweat under the weight of so much self-referential hu-mor and constant winks at the camera.

CULT CORNER“Dead Alive” (Unrated) [Blu-ray] -- This 1992 New Zealand zombie gorefest is gruesome and shocking, in part because it’s one of the early works of Peter Jackson -- the man who delivered the high-budget majesty of “The Lord of the Rings.” Over-the-top guts and gore, lusty undead, a Kung-fu Catholic priest and a cartoonish humor make this blood-soaked nightmare a bucket of fun.

TV RELEASESPlanet Earth: Limited Edition [Blu-ray]

Bored to Death: The Complete Second Season

The Walking Dead: The Complete First Season (3-Disc Special Edition)

Transformers Beast Wars: Seasons 2 and 3Aaahh!!! Real Monsters: Season One

Meet the Browns: Season 2

(c) 2011 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) you can fi nd the an-swers and solutions to the trivia and puzzles to the next page (17).

(c) 2011 King Features Synd., Inc.

BySamStruckhoff

Page 17: Snippetz_Issue 518

17

HUEY’SPAGE

SNIPPETZ® COMICS AND ENTERTAINMENT

Answers & Solutions

TRIVIA TEST ANSWERS

SPORTS QUIZ ANSWERS

FLASH BACK ANSWERS1. Jan and Dean, in 1963. They fi rst performed as a duo called The Barons.2. Elton John, as a single, in 1975, and The Beach Boys on their “Still Cruisin’” album in 1989.3. Jackie (born 1951), Tito (1953), Jermaine (1954), Marlon (1957) and Michael (1958). The group’s fi rst four singles went to No. 1.4. $50 million, in 1976. The show would be televised via closed circuit broadcasts into theaters around the world at a cost of $50 per ticket. The Beatles declined, even when Sargent apparently doubled the offer.5. David Bowie, in 1972. A concept album, the theme is an alien named Ziggy who advises about the com-ing end of the earth.6. “Precious Time” in 1981. The album included the hit “Fire and Ice.”

1. Nebraska2. Battle of Britain3. Calamity Jane

4. Joan of Arc5. L. Frank Baum

6. Caustic7. Rose of Lima8. Hank Azaria

9. Coal is formed from the remains of trees and plants

10. Joyce Kilmer

1. It was 2003.2. It was 2001 (Ichiro Suzuki, 56; Mark Mc-Lemore, 39; Mike Cameron, 34)3. The Minnesota Vikings, in 1961.4. Once -- John Wall in 2010.5. Gordie Howe (103 points in 1968-69) and Johnny Bucyk (83 points in 1975-76).6. Cale Yarborough won it in 1968 and 1977.7. Martina Navratilova, in 1990.

OCTOBER 3, 2011

ARIES (March 21 to April 19) Cosmic changes create a potential for disruptions in your travel plans. In the meantime, you might want to consider shifting your focus to another area of your life that needs at-tention.

TAURUS (April 20 to May 20) It’s a good time for beauty-loving Bovines to enjoy something special for the senses. It will restore your spirit and return you to the workaday world ready for the next chal-lenge.

GEMINI (May 21 to June 20) With your planetary ruler, Mercury, going retrograde, you might want to slow down the pace in pursuing some of your projects. Rushing things could be counterproductive.

CANCER (June 21 to July 22) Tensions begin to ease in those once-testy relation-ships. This helps create a more positive as-pect all around. Expect to hear news that could lead you to rethink a recent deci-sion.

LEO (July 23 to August 22) The pace of activity that had slowed last week now be-gins to pick up. This is good news for Leos and Leonas who have career-building plans that need to be put into operation.

VIRGO (August 23 to September 22) Venus offers encouragement to romance-seeking Virgos who are ready to get up, get out and meet more people, one of whom

could be that long-sought soul mate.

LIBRA (September 23 to October 22) An ongoing problem with a co-worker might need to be sent to arbitration. Get all your facts together so that you have a solid base from which to make your argument.

SCORPIO (October 23 to November 21) You are usually decisive about most mat-ters. But you might want to defer your de-cision-making this week until you get more facts. Someone is holding out on you.

SAGITTARIUS (November 22 to De-cember 21) That quiet period is ending, and a new burst of activity creates some problems at the workplace. But things are soon resolved, and everything goes back to normal.

CAPRICORN (December 22 to January 19) Relationships could be either helpful or hurtful as you pursue your career goals. You might have to make some diffi cult choices depending on what your priorities are.

AQUARIUS (January 20 to February 18) You might still have some doubts about a career move that could involve a lot of trav-el. If so, continue to check things out until you feel secure about making a decision.

PISCES (February 19 to March 20) Love rules, as Venus continues to exercise her cosmic infl uence on both single and at-tached Pisces. New developments might cause you to change your travel plans.

BORN THIS WEEK: You often think of others before you consider your own needs. You enjoy helping people and would make a fi ne teacher or caregiver.

(c) 2011 King Features Synd., Inc.

Page 18: Snippetz_Issue 518

18

SNIPPETZ® BUSINESS, FINANCE & LAW

IN 1752, BENJAMIN FRANKLINDISCOVERED ELECTRICITY IN A FIELD. IN 1935, WE WERE CALLED UPON TO GET

IT THERE.Supplying electricity to rural America didn’t happen overnight. It took vision, cooperation and determination. Today, as a member of an electric co-op, it’s your turn to in�uence the future by saving energy. Learn how at TogetherWeSave.com.

SAVINGS ARE KEY PART OF

DEBT-FREE LIVING

The surprising results of a recent survey indicate that more con-sumers are opting to pay off

debt rather than save money. An online survey by the National Foundation for Credit Counseling showed that 89 per-cent of respondents believe that right now it’s more important to pay off debt than to save.

It wasn’t always that way. Back in 1959, when such fi gures were fi rst kept, consumers were averaging sav-ings at a rate of 8.3 percent of income. At this point, the rate of saving is only at 5 percent of income, which is up from 1 percent a few years ago.

Gail Cunningham, with the NFCC, is quoted in the organization’s latest newsletter as saying, “In bad times, people save out of a fear of tomor-row, and in good times they spend as if there were no tomorrow.” We’re not at either point right now, not saving out of fear nor spending everything we have. Consumers are paying off debt,

but they aren’t saving the money that’s no longer going toward those monthly payments when a debt is paid off.

The problem with paying off debt to the exclusion of saving becomes ap-parent when an emergency strikes and ready cash is needed. Not having money saved can put consumers in the expensive position of needing to take credit-card cash advances -- if they can get them.

The availability of those cash advances has provided a cushion when times are lean. However, because of job loss, lowered incomes and more scrutiny of credit worthiness, fewer people have that credit-card cushion during an emergency.

Savings needs to become the new source of cash availability. If for no other reason, money that is saved will earn interest (although nowadays the percentage rate is pitiful), and it won’t cost you the interest that a credit card will.

Yes, pay off those debts, concentrating on the one with the highest interest rate fi rst. But as soon as you pay one off, put that money into savings every month. Begin building a fund that will cover your future plans and emergencies.

Your goal should be not only to be debt-free, but to have savings.

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].

(c) 2011 King Features Synd., Inc.

October 28th, 20116:00 to 9:00 PM

Please check www.tlwc.net for any changes to Wine and RosesProceeds Benefi t the Tri-Lakes Community

• Local On-Site Chefs• Silent Auction & Raffl e• Celebrity Servers

Wines • Beers • SpiritsSerranos Coffee Bar

On-site Photo Sitting byKirkland Photography

Tickets are $50.00($55.00 after 1pm day of event and at the door)

Visit www.TLWC.net for more info and Tickets,or purchase from any TLWC Member.

Beverages have been arranged by:The Wine Seller

andSerranos Coffee

THE TRI-LAKES WOMEN'S CLUB

PROUDLYPRESENTS THE 10TH ANNUAL

WINE AND ROSES.

Wine and Roses,'An Event to Attend',

October 28, 2011,6:00 to 9:00 PM

Join us for this fun and worthwhile fundraiser. Tickets are $50 per guest and may be purchased online

at www.TLWC.net, until 1:00 pm the

day of the event or contact any TLWC member, Serranos Coffee or The Wine Seller.

All proceeds from Wine and Roses will go to assist many of our local non-prof-it and educational organizations that otherwise would do without essential programs and items.

Wine and Roses will feature celebrity servers, great local restaurant on-site chefs, fi ne wines, spirits and beers, coffee bar, Raffl e, Silent Auction and Kirkland Photography and Design on-site photo setting.

Tickets will be available at the door for $55 per guest.

Please check www.tlwc.net for any changes to Wine and Roses

Page 19: Snippetz_Issue 518

19

SNIPPETZ® BUSINESS, FINANCE & LAW

❖ Business Formation

❖ Business Planning

❖ Intellectual Property

❖ Employment Law

❖ Mergers and Acquisitions

❖ Wills, Estate, Probate

❖ Transactional (Contract) Services

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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.

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Colorado Springs, CO 80921

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Illustration period: 1-1-2000 through 1-1-2011. Each example shown assumes $100,000 initial premium with no withdrawals. Market value based on the S&P 500® Index . Historical performance of the S&P 500® Index should not be considered a representation of current or future performance of the Index or of any annuity. Hypothetical index annuity product illustration assumes crediting method of a 5% annual point-to-point cap and annual reset. Hypothetical Income Rider Value assumes a 7% annual rate of return for income purposes. Illustration values represent gross returns. Assumed annuity rates and actual historical prices of the S&P 500® Index were used in this purely hypothetical example for the purpose of illustrating comparitive values and to illustrate how the Interest-Crediting Strategy might have performed using di�erent assumptions but the same Index performance. Assumptions are not guaranteed. Past performance does not guarantee future results.

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By Christopher C. Meyer © June 2007

What should you do when you have exhausted all alternatives, such as counseling, and despite your best efforts, you are headed

for divorce? What preparations are advisable when you are getting ready to leave the marriage zone and head out for the single life?

In terms of preparation, it is useful to think ahead and to imagine what your life will be like once you are divorced. For example, as a single person, you will need to have credit in your name. You might as well get started on getting credit solely in your name. You also want to get rid of joint credit with your spouse. This is especially true if you are a victim of DSS (Deadbeat Spouse Syndrome). So pull down your credit report and get to work: get rid of unnecessary credit cards; close as many joint accounts as you can, including bank accounts. The ideal divorce results in no joint debt or joint accounts after the divorce. You don’t want your ex-spouse to be able to mess up your credit after the divorce.

If you are unemployed or underemployed, the odds are you are going to have to contribute to your support - so get going! Take an inventory of your skills, think about what you enjoy doing, and explore the job market. The most effective method of job hunting is net- working; let folks know you are looking for work. Judges are hardworking, self-made people. They appreciate folks who are trying to make it on their own.

Put off any big fi nancial moves, like buying a house. Try to keep things simple. Remember that you will have to undo joint properties and debt in the divorce. Beware of incurring additional debt. If you need a car, don’t get one that includes a lot of debt. If you want to keep the car after the divorce, you are going to get the debt that is associated with it.

Keep in mind that there are certain actions you can take before the divorce is fi led that are subject to an automatic temporary injunction after the case is fi led. For example, after the divorce is fi led, your ability to transfer or dispose of marital property is restricted, except in the usual course of business or for the necessities of life, without the consent of your spouse or an order of the Court. The same is true for taking your minor child out of the state.

If divorce is unavoidable, be prepared, and good luck with your new single life as you leave the marriage zone!

Chris Meyer is an attorney practicing family law in North-ern El Paso County. Chris’ law practice is limited to do-mestic relations cases. Chris has been practicing law since 1977. He is a former prosecutor and is licensed to practice law in Colorado, Florida, California and Wisconsin. Chris can be contacted at 719-488-9395. Chris’s website (www.cmeyerlaw.com) has additional divorce and family law in-formation and many other articles.

THEMARRIAGE ZONE:

PLANNINGFOR DIVORCE

IT’STHELAW!

by Christopher C. Meyer,Attorney at Law, P.C.

Page 20: Snippetz_Issue 518

202020

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