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Of Douglas & Elbert CountiesOf Douglas & Elbert CountiesIssue 850 - December 16, 2013 www.ILoveTidbits.com
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TIDBITS® HAS SOME
ICY INFOby Kathy Wolfe
There’s more to know about ice than just the fact that it’s frozen water. Here are the cold hard facts about cold hard ice! • About 10% of the Earth’s land mass and 7% of its oceans are
covered by ice. Close to 98% of Antarctica, located at the Earth’s South Pole, is covered by ice averaging at least a mile (1.6 km) in thickness. Its ice sheet holds about 90% of the planet’s fresh water.
• An ice sheet forms when snow that falls in winter does not melt entirely over the summer months. After thousands of years of this process, the layers pile up and compress into thick, dense sheets of ice. In order to be classifi ed as an ice sheet, it must extend more than 20,000 sq. miles (50,000 sq. km). Antarctica’s ice sheet covers almost 5.4 million sq. miles (14 million sq. km), which is about the size of the U.S. and Mexico combined. At one spot the ice is 2.96 miles (4.76 km) thick. Greenland, the world’s largest island, has an ice sheet extending 656,000 sq. miles (1.7 million sq. km), about three times the size of Texas.
• The size of an iceberg varies between 3.3 ft. and 246 ft. (1 to 75 m) above the sea, weighing between 100,000 and 200,000 tons. About one-ninth of an iceberg’s volume is above water. It’s very challenging to determine the shape of that portion that lies underwater.
2 Tidbits® of Douglas & Elbert Counties Interesting StuffFor Advertising Call Tim (303)994-9683
Continued on page 5
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ICY INFO (continued):• Icebergs are composed of freshwater ice that has
broken off a glacier or an ice shelf, causing them to fl oat freely in the open water. During the warmer weather of spring and summer, the formation of icebergs increases as they separate from the Greenland and Antarctica ice sheets and from other outlying glaciers. About 15,000 icebergs separate from Greenland every year, but most melt long before entering the Atlantic Ocean. Less than 400 will fl ow south of Newfoundland into the North Atlantic.
• Iceberg Alley is the area about 250 miles (402 km) southeast of Newfoundland, Canada. This is where the Titanic struck an iceberg and sank in April of 1912. Prior to that disaster, which caused 1,500 deaths, there was no system to track icebergs and protect ships from collision. Immediately, the U.S. Navy began patrolling the waters, and the following year a permanent international system was created.
• About 93% of the world’s icebergs are found in the Antarctic, and they are much larger than their northern counterparts. The largest iceberg on record was sighted in the Pacifi c Ocean in 1956 and measured 60 x 208 miles (97 x 335 km), with over 12,000 sq. miles (31,000 sq. km) of area, larger than the country of Belgium. In the Northern Atlantic, a 551-ft-tall (168-m) iceberg was reported in 1958, the equivalent of a 55-story building.
• If all the ice in the world were to melt at the same time, the volume of all the oceans would increase by 1.7%, with a rise in sea level of 1180 feet (55 m). This would be the equivalent of the Empire State Building standing in water up to the 20th fl oor.
• Water freezes from the outside in, expanding as it freezes. Tiny air bubbles are trapped in the water as it freezes, and the air is pushed to the center of an ice cube, which is shy cubes have cloudy, opaque centers. Ice cubes made from tap water have more air content, making them cloudier. If you want your ice cubes to be perfectly clear, start off with hot water, which has less air than cold water from the faucet. Or use bottled water, boiling it briefl y before freezing.
• When can you trust walking on ice? Ice with a thickness of two inches (5.1 cm) will support the weight of a man. Ice that is four inches (10.2 cm) thick will support that man on horseback.
• Hail forms inside strong thunderstorm clouds when those clouds with updrafts pick up water droplets and carry them above the freezing level. Hailstones measure between .2 inch (5 mm) and 6 inches (15 cm) in diameter. In North America, “Hail Alley” is where hail is most common, that area where Colorado, Nebraska, and Wyoming meet. Cheyenne, Wyoming is the continent’s most hail-prone city, with about 9 to 10 hailstorms during the time from May to September. Vivian, South Dakota recorded the U.S.’s largest hailstone in July, 2010, with a diameter of 8 inches (20 cm) and a weight of 1.93 lbs. (0.88 kg). The world’s largest fell in 1986 in Bangladesh and weighed 2.25 lbs. (1 kg), and was about the size of a cantaloupe. That deadly storm killed 92 people.
• What’s the difference between ice and dry ice? Regular ice is frozen water, while dry ice is frozen carbon dioxide. Dry ice is much colder, with temps below -108 degrees F (-78 C). Carbon dioxide does not go through a liquid state as it cools from gas to a solid state, and it also doesn’t
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Pet Page Tidbits® of Douglas & Elbert Counties 3For Advertising Call Tim (303)994-9683
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Dr. James K. Olson is "The Meow Doc", a nationally recognized veterinarian specializing exclusively in cats. Dr. Olson holds the title of Diplomate, Feline Specialty, from the American Board of Veterinary Practitioners. He is certifi ed to practice nuclear medi-cine by the State of Colorado Department of Radiaton Safety. His practice is located in Castle Rock, Colorado. For more information please visit his comprehensive website: CatSpecialist.com
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Seasonal Wellness Hints – Winter! Seasonal Hazards:
Indoors Holiday trees & plants, tree water, lights & electrical cords, tinsel, string, ribbon, rubber bands, decorations, potpourri dry & liquid, etc. can harm your cat.Household cleaners and bleach are very toxic to cats (poisoning and/or chemical burns).Holiday stress can affect cats so protect your cats from parties and too many people.Open ducts, woodstoves, fi replaces, and indoor air pollution can be deadly. (Carbon monoxide)Family prescription medications, dental fl oss, string, and cleaning sup-plies can be deadly to cats.Holiday foods, candy, alcoholic beverages, & treats can be dangerous.Computer cords/mice, electronics, loud sounds & bright lights are dan-gers.Hot stoves, grills and appliances (cats sleeping in clothes dryers & wash-ers) can burn or kill cats.Survey your house for any other potential dangers and “cat-proof” your house!OutdoorsWinter damp, cold, snow, frostbite, high winds & no shelter can be deadly to your cats.Garages have antifreeze, motor oil & grease, warm cars/engines & poi-sonous chemicals.Cats being hit by a car or truck are common.Cat fi ghts with diseased cats can make your cat sick – FeLV & FIV.Being hurt or killed by coyotes, foxes, owls, hawks, & mountain lions are common in Colorado.Hunting and ingesting a ‘bad meal’ are common.Diseases like Rabies, Bubonic Plague, West Nile Fever, etc. are possible with outdoor exposure.
Ways to Stay Well: (“An ounce of prevention is worth a pound of cure!”) Your cat needs to eat a balanced, healthy diet and have access to fresh, clean water.Provide some bathroom privacy! Put the litter box in a quiet, easy to access place and clean it twice daily. In multiple cat households, provide one more litter box than cats.Play with your cat and have cat friendly toys – play reduces cat stress so play with your cat!Groom your cat often: daily if possible. Watch for skin problems, dan-druff, bumps, sores and painful hair mats. These may require professional removal.Create cat friendly safe havens in your house – add cat towers, kitty cups and window perches.Keep your cat healthy with annual adult health exams and senior cats (>8 years of age) need health exams every 6 months (1 human year is 4 years to your cat).Keep all cats inside for safety or build a safe outdoor atrium (a fenced run in the backyard). The most dangerous time for a cat to be outside is from dusk until dawn.Do quarterly health reviews on your cat – ask ‘early warning’ health questions.Educate yourself to Cat Illnesses – read the book “Cats for Dummies”.Use Revolution to prevent parasitic/vector borne diseases.Microchip your cat . . . >90% of microchipped cats lost in hurricanes were returned!Check your cat’s weight – a loss or gain could have important health consequences.
4 Twenty Questions Tidbits® of Douglas & Elbert Counties For Advertising Call Tim (303)994-9683
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20 QUESTIONS1. Where would you fi nd the airport referred to as
DFW? 2. Who killed John Fitzgerald Kennedy? 3. What was the name of the building from which
Kennedy’s assassin fi red the fatal shot? 4. What was the name of the commission set up to
study the assassination? 5. Where is John Kennedy buried?6. What newspaper is referred to as the “Gray
Lady”?7. What do you call the ejection of food and other
matter from the stomach through the mouth, often preceded by nausea?
8. Tripoli is the capital of what Arab country?9. If you were in Trinidad and Tobago where
would you be? 1. In the South Pacifi c, 2. The West Indies, or 3. The Caspian Sea?
10. What do you call the musical instrument that has a sliding section that lengthens or shortens it and thus regulates the pitch?
11. If you were a tsetse would you be: 1. A bloodsucking fl y, 2. A part of the male reproductive organ, or 3. The currency of Belize?
12. If you deliberately use exceptional exaggeration in your speech for emphasis rather than deception you are using _______________.
13. What government department is called HUD? 14. The humps in camels are storage places for
which one: 1. Water, 2. Bile, or 3. Fat?15. Name a South American animal that is a
member of the camel family? 16. What ocean borders the Republic of South
Africa? 17. What is the capital city of South Africa? 18. If you were in Junction City, would you be in
Arkansas, Kansas or Oregon?19. What is the name of the ocean at the North
Pole? 20. What is Azerbaijan?
Answers: 1. Dallas/Fort Worth, Texas 2. Lee Harvey Oswald 3. Texas Book Depository 4. Warren Commission 5. Arlington National Cemetery 6. New York Times 7. Vomiting 8. Libya 9. The West Indies 10. Trombone 11. A blood sucking (African) fl y 12. Hyperbole 13. Department of Housing and Urban Development 14. Fat 15. Alpaca or Llama 16. Atlantic 17. Pretoria 18. Any one 19. Arctic Ocean 20. A country north of Iran
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Tidbits® of Douglas & Elbert Counties The Gem Advisor 5 For Advertising Call Tim (303)994-9683
The Gem Advisor
Scott McQueen
Scott McQueen is the owner of Pinetree Jewelers, Parker’s oldest jewelry store established in 1976. 2 store locations: 11028 S. Pikes Peak Drive in Parker and 190 S Wilcox in Castle Rock. For more call 303.841.2666 or 303-660-2696
Coral
Coral gemstones come from some of the most beautiful miracles of Nature – the reefs, banks and atolls found in a variety of places around the world. Specially trained divers go into the ocean depths between three and 300 meters to carefully harvest coral. Once brought up the branches are cleaned, sorted and processed using saws, knives, �les or drills. It is very seldom cut or ground on a wheel. In its raw form coral has a matt �nish, but once it is polished it has a beautiful shine that looks marvelous in a variety of jewelry settings. The fewer the cracks, blotches, striations and holes, the higher the quality and the higher the price. Like pearls, corals are organic and are closely related chemically; both consist of more than 90 percent calcium carbonate. Corals come in a variety of colors: red, white, blue, brown and black. The most popular are the red hues of pale pink and salmon. Corals have a hardness of only 3.5 which makes them softer than any other gemstone material. If you wear a coral be careful with cosmetics, hot water or bright light. Keep your coral pieces clean with a soft, damp towel being careful not to scratch the surface.
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ICY INFO Continuedmelt. Rather, it changes directly from a solid into a vapor.
• The word “ice” doesn’t always refer to water that has frozen into a solid form. It can also refer to an air of unfriendliness or animosity, when the atmosphere turns to ice. It can be a snack of shaved ice fl avored with sweetened juice. The term can also mean fl ashy diamond jewelry or a smokable form of an illegal methamphetamine. As a verb, to a hired assassin, it’s slang for killing their victim and to a baker, it’s what they do to a cake. To a hockey player, it’s their skating surface as well as the act of shooting the puck out of defensive territory and far into the opposing team’s territory. If you’re too busy at work to take any time off, you put your vacation on ice when you postpone it. If you’re in an awkward social situation and no one is speaking, you might break the ice by offering the fi rst remarks. But be careful about offensive remarks – they might put you on thin ice, meaning you’re in a diffi cult situation.
• A glacier forms when multiple snowfalls occur over many years, even centuries in mountainous or polar regions. Glaciers form only on land, and fl ow very slowly across the land, powered by gravity, altering the shape of the Earth, creating valleys, morasses, crevasses, and changing landforms. Not surprisingly, the world’s largest glacier, Lambert Glacier is located in Antarctica.
FAMOUS WOMEN OF THE WORLD:
ERMA BOMBECKAs one of the world’s favorite columnists, Erma Bombeck caused us all to laugh at the humdrum routine of our daily lives. Here’s how she got her start and achieved her success. • After losing her father when she was nine, Erma and
her mother moved in with relatives and her mother went to work to support them. While in junior high, Erma was already showing her gift for humorous writing, with a column in the school newspaper. Her column in her high school paper two years later was a serious column, with a mix of wit. At 15, she landed a job at the Dayton Herald as a part-time copygirl, and at 16, she published her fi rst journalistic effort. This came when Shirley Temple was visiting Dayton in 1943, and Erma’s interview with the child star became a newspaper feature.
• Following high school graduation, Erma joined the Herald full-time, writing obituaries and other minor assignments. Then it was on to the university and an English degree.
• In 1949, Erma married Bill Bombeck, and when they adopted a child in 1953, she put her journalism career on hold to become a full-time wife and mother. In 1964, with three children, she resumed her writing, penning weekly columns for a small local paper, the Ketterling-Oakwood Times, for $3 each, writing from her small bedroom at home. The following year, the Dayton Journal Herald asked for two columns a week, paying $50 apiece. Within three weeks, the articles went into national syndication, appearing in 36 major U.S. papers under the title “At Wit’s End.” Her columns drew inspiration from the humorous side of her life as an ordinary suburban housewife.
• Just two years later, Erma was popular nationwide and began giving lectures across the country. In 1967, her columns were compiled into a book published by Doubleday. During the 1970s, 30 million people in the U.S. and Canada were reading her columns in 900 newspapers. She was also writing for several popular magazines. Erma then branched out into television, appearing on Good Morning America for more than 10 years. She was the author of 15 books, most of which were bestsellers, and one that was turned into a television move, The Grass is Always Greener Over the Septic Tank.
Of Douglas County ColoradoOf Douglas County Colorado
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THIS IS A HAMMERBy Samantha Mazzotta
Broken Windowpane Is Easy to Replace
Q: During a recent party, there was a bit of an incident in the kitchen, and one of the panes in the window above the sink was shattered. I removed the bits of glass and covered the empty space with cardboard, held in place with duct tape.
How easy is it to replace just the pane of glass? -- Candace G., Ithaca, N.Y.
A: Replacing a single glass pane is a pretty straightforward job, one that can be accomplished quickly once you have
the supplies and tools at hand. You’ll need, of course, a replacement pane of glass. Because the original pane was shattered, the exact dimensions need
to be fi gured out. Do this by measuring the width and height of the frame. Then, subtract 1/16 inch from each side -- this
will allow a bit of space for the new glass to expand and contract in changing temperatures.
When cleaning up the broken glass, did you save the small metal tabs or spring clips that were spaced around the
frame? If so, keep them around to reuse; otherwise, you’ll need to buy replacements. The metal tabs are called gla-
zier’s points and are used in wooden frames; the spring clips are used in metal frames. These help hold the windowpane
snugly in place.Head for the hardware store with measurements in hand.
Most stores will sell precut windowpanes in standard sizes that match or nearly match your measurements; otherwise,
they can cut the glass to your specifi ed size.Make sure you have the following on hand for the repair:
Window putty (also known as glazier’s putty), a putty knife, glazier’s points or spring clips (for metal frames), a wire
brush, steel wool, fi ne-grit sandpaper and a soft cloth.Remove the cardboard and tape patch and clean up the
frame to prepare it for the new pane. Take out any remain-ing points or clips and carefully scrape away the old win-dow putty. This may be the most time-consuming part, as the putty may have hardened and adhered to the frame. Be
patient and work carefully.Once the old putty is removed, wipe the frame clean. Then
add a new line of putty by forming a ball in the palm of your hand, then rolling it out into a long, thin line about the width
of a pencil. Press this line of putty around the edge of the frame on the side on which the new pane will be attached. Insert the new pane of glass, pressing it against the new putty. Hold it in place with one hand, and with the other
hand, insert glazier’s points or clips. Points should be placed every 8 inches around the frame and pressed into the wood
using the putty knife or a similar tool. Clips can be placed in existing holes in the metal frame.
Use a little more putty to secure the pane on the side closest to you, by dabbing it into areas where the glass touches the
frame. Scrape away excess with the putty knife. Clean excess or spilled putty from the window and the
frame using the putty knife and a wet cloth. Let the putty dry and cure for about four days before painting.
HOME TIP: Wear heavy work gloves to protect your hands when removing or cleaning up pieces of broken glass, espe-
cially when prying shards loose.
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Tidbits Church/Community Tidbits® of Douglas & Elbert Counties 7 For Advertising Call Tim (303)994-9683
Looking for a New Beginning?YOU ARE WELCOME TO JOIN US
A Friendly Place to Worship
Sunday School for all ages - 9:00AMCo�ee and Fellowship - 10:00AMPraise and Worship - 10:30AMWed Eve Youth Group - 7:00PM
Small Groups Meeting throughout the weekAWANA for the Children during school year
E-mail: O�[email protected] - Phone (303)495-2919 - Web Site: nbccparker.com
New BeginningCommunity Church10550 S Progress Way, Suite 100
Parker, CO 80134-4029
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C l a s s i f i e d
Miscellaneous
Pets
Trailers
MOMENTS IN TIMEThe History Channel
• On Jan. 2, 1811, Timothy Pickering, a Federal-ist from Massachusetts, becomes the fi rst U.S.
senator to be censured when the Senate approves a motion against him. Pickering was accused of
violating congressional law by publicly revealing secret documents.
• On Dec. 30, 1862, the U.S.S. Monitor sinks in a storm off Cape Hatteras, N.C. Just nine months
earlier, the ship had been part of a revolution in naval warfare when the ironclad dueled to a standstill with the C.S.S. Virginia (Merrimack)
-- the fi rst time two ironclads faced each other in a naval engagement.
• On Jan. 5, 1920, the New York Yankees major-league baseball club announces its purchase
of the heavy-hitting outfi elder George Herman “Babe” Ruth from the Boston Red Sox for the
sum of $125,000. The deal paid off as Ruth went on to smash his own home run record in 1920,
hitting 54 homers.
• On Jan. 1, 1946, on the island of Corregidor, in Manila Bay, 20 Japanese soldiers approach a lone soldier -- literally waving a white fl ag. The
soldiers had been living in an underground tunnel and only discovered that the war was over by
reading it in the newspaper.
• On Jan. 3, 1967, Jack Ruby, the Dallas night-club owner who killed the alleged assassin of President John F. Kennedy, dies of cancer in
a Dallas hospital. The Texas Court of Appeals recently had overturned his death sentence for the murder of Lee Harvey Oswald and was scheduled
to grant him a new trial.
• On Jan. 4, 1974, President Richard Nixon re-fuses to hand over tape recordings and documents
that had been subpoenaed by the Senate Water-gate Committee. Nixon would resign from offi ce
in disgrace eight months later.
• On Dec. 31, 1984, Bernhard Goetz, the white man dubbed the “subway vigilante” after he
shot four young black men on a New York City subway train, turns himself in at a police station in Concord, N.H. Goetz claimed that the men, all of whom had criminal records, were trying to rob
him and that he had acted in self-defense.
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number. [email protected]
PACVAN 12X40 excellent condition air furnace extras 6500 800-641-
3750 ext14 [email protected]
2006 BUICK Rainier CXL Sport Utility Maroon 4D in very good condition with only 71,800
miles (very little commuting), 24-26 mpg. Newer tires, brakes,
great maintenance. Options: 6-Cyl, 4.2 Liter, Automatic, Sta-biliTrak, ABS (4-Wheel), AWD, Power Steering, Tilt Wheel, Air (Front & Rear), Power Window & Door Locks, Cruise, CD, Cas-sette, AM/FM Stereo, Dual Air
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8 Local Business Tidbits® of Douglas & Elbert Counties For Advertising Call Tim (303)994-9683
Douglas County Sheri�, Dave Weaver, Needs Your Help
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For immediate action call 303.660.7500 or call your local law enforcement
40 years old5'7" 145 lbsBrown hair, Blue eyesLKA: Centennial, COCharges: Felony Theft,Criminal Impersonation,DUI
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LARKSPURPIZZARIA & CAFECOMPUTER REPAIR TIPS:
Recovery and restore are two methods to put your computer back into working condition software wise when you have a disaster. There are major differences between the two, and to add to the confusion there are different types of recoveries.
A system restore resets the operating system and soft-ware to a specifi c point in time when the restore point was created undoing any updates afterwards. It will not restore any deleted fi le and may or may not undo viruses. Restore points may be created automatically by the operating system or applications, but to be on the safe side it is good to create them manually prior to installing new programs or updates. Keep in mind that restore points take up space on your hard drive so delete older ones to save drive space.
System recoveries come in two basic fl avors initial and ongoing. Because new computers may not come with system disks the initial recovery point should be created right after you purchase your computer. Doing this will enable you to roll the system back to its original factory condition in case you want to sell the machine or just want to wipe it clean to give it to someone. You will need to purchase some DVD's to do this and some computer manufacturers can be fussy about the brand of DVD you can use. Just search recovery disk creation and follow the direc-tions remembering to label the disks as they are burned.
The recovery points created down the road, also called disk images, should be made periodically and prior to installing new software or making major changes to the computer so you can put the computer back the way it was prior to the changes. A disk im-age creates an exact image of your hard drive: ap-plications, data, malware, viruses, etc. in other words EVERYTHING. If disaster strikes and the hard drive crashes you can buy a new hard drive, load the disk image, and be on your way. To do this you will need to purchase an external hard drive with a capacity at least the size of the one on your computer. Free soft-ware is available on the web for doing this task.
One more thing, there is a very nasty virus out there that encrypts all of your data fi les. A good antivirus application should catch it and once its done its dirty work you have to pay to unencrypt your fi le. Be care-ful opening emails and attachments from unknown sources, and disconnect your backup drive between backups.
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The Nerium Opportunity
Looking for a work at home op-portunity that’s not like all those others? When I began looking for a replacement job, I wanted to be my own boss, call my own hours, and have em-ployees. Sounds crazy right? I wanted to have a REAL opportunity, not one where, I had to spend lots of money in startup fees and or a garage full of expensive inventory that resulted in and little real income.
The opportunity had to be offering real products that produced REAL results, not just promises.The company needed to have a management team with extensive experience in relationship marketing; a com-pany that builds strong teammates, with training and motivation to assist brand partners.
The company needed to be in a growth cycle, at their peak NOW and not years in the past.Nerium International meets all of these requirements and is making record sales of Nerium AD in their two years of business. The results are proven with third party testing and 100’s of before and after pictures of real clients.
The anti-aging industry is booming with $80 billion in the US alone, and expecting grow to $114 billion in 3 years. Nerium is offering ground fl oor opportunities in this vast and expanding market.
Visit my website to check out this opportunity, or for a free trial of the product. No strings attached:
jonette.nerium.com or call Joan at 303-882-7626.Please see our ad on page 1 of Tidbits!
Before After
Strange But True Tidbits® of Douglas & Elbert Counties 9For Advertising Call Tim (303)994-9683
STRANGE BUT TRUEby Samantha Weaver
• It was beloved American pianist and comedian Jimmy Durante who made the following sage
observation: “Be nice to people on your way up because you meet them on your way down.”
• Famed markswoman and exhibition shooter An-nie Oakley was born the daughter of Quakers, who
gave her the name Phoebe Ann Moses.
• It was in July 1911 when daredevil Bobby Leach became the second person (and the fi rst man) to go over Niagara Falls in a barrel. His daring came at a cost, though; he spent six months in a hospital, recovering from injuries due to his feat. He later
went on publicity tours, recounting his experience and posing with the barrel that took him over the falls. He was on one such tour in New Zealand in 1926 when he slipped on an orange peel, injuring his leg slightly. The leg became infected, necessi-tating an amputation -- which still didn’t save him. He died two months later, the daredevil felled by a
citrus rind.
• Those who study such things say that fully 10 percent of the country’s total income is due to
organized crime.
• You might be surprised to learn that only two out of every 10 ears of corn grown in the United States actually ends up being eaten by people. The other eight are destined to feed animals and to be made
into ethanol gasoline.
• If you’re like more than half of all Americans, you’d be willing to live in a haunted house -- pro-
vided you didn’t have to pay rent.
• There are those who say that actor Johnny Depp is afraid of clowns.
***Thought for the Day: “This country has come to
feel the same when Congress is in session as when the baby gets hold of a hammer.” -- Will Rogers
(c) 2013 King Features Synd., Inc.
I BUY OLD OR USED GUITARS & AMPS
We can buy any musical instrumentAmplifiers, Guitars, Violins
Trumpets, Drums & PA SystemsCall 303-667-4397
Millions of Americans will not have to pay their full health insur-ance premiums in 2014. How much they'll have to pay depends on their income.
Many low to moderate income individuals and families will qualify for a subsidy to assist in paying for their health insurance they obtain through their exchange. Here in Colorado, that exchange is Connect For Health Colorado.
The Kaiser Family Foundation estimates that 48% of Americans who buy individual or family health insurance today would be eligible for subsidies. They would receive an average of $5,548, which would cover 66% of the price.
Here's How You Qualify:
Anyone earning up to 400% of the Federal Poverty Line ($15,000)will be eligible for a subsidy. That range is up to $45,960 for an in-dividual and $94,200 for a family of four. The lower your income, the larger your subsidy. For instance, those making $17,235 a year will pay no more than 4% of income, or $57 a month, while those with incomes between $34,470 and $45,960 will pay a maximum of 9.5% of income, or $364 a month. The federal government will cover the rest.
Anyone earning more than $45,960 would be responsible for the entire tab on the ObamaCare health plan of his/her choice.In addition to premium subsidies, those making less than 250% of the poverty line, or $28,725 for a single person and $58,875 for a family of four, are eligible for extra subsidies to defray out-of-pocket costs, such as deductibles and co-payments.
When signing up for Obamacare, enrollees can apply for an ad-vanced subsidy by estimating their income. Payments go directly to the insurer. Their subsidy level is then adjusted once they fi le a tax return with their actual income for the year. In some cases they may have to repay some of the subsidy if they underestimated or get a refund if they thought they'd earn more than they actually did. Enrollees can also opt to pay the entire premium up front and get a refund at tax time.
To learn more about whether you may or may not qualify for a subsidy, contact Don Meyer at Associates Health Group, LLC 303-794-9101 or [email protected] see our ad on page 4 of Tidbits!
December 31, 2013
December 31, 2013
CHAMILIAYOUR LIFE. YOUR STYLE.
Braclets, BeadsNecklaces + More!
CUSTOM, DESIGNER & ESTATE JEWELRY
* Weight Gain? * Constant Fatigue/Poor Sleep Pattern? * Fibromyalgia? * Mood Swings? * Lack of Sexual Drive?
It could be Hormone or Thyroid imbalanceWe can help!
ITC offers Bio-identical Hormone Balancing, Home Hormone test kits, Weight Management, Cosmetic Skin carepreparations, Health and Wellness consultations, and Pharmaceutical grade nutritional supplements.
Our Pharmacists and Naturopath are here to answer your health questions. Call us today at
303-663-4224
We NOW accept most insurance plans that are administered throughExpress Scripts and CVS/Caremark for compounded medications.
10 King Crossword Tidbits® of Douglas & Elbert Counties For Advertising Call Tim (303)994-9683
Churches and Non-Profit Organizations...Advertise for only$15 per WEEK!!!For details call,
Tidbits of Douglas County
Sudoku Made Possible By
Bob LowryNeighborhoodExclusive Agent
303.688.1966Auto-Home-Business-Life
Allstate Insurance Company201 S Wilcox St. #2A
Castle Rock
SPORTS QUIZBy Chris Richcreek
1. Three Dodgers pitchers since 1916 have struck out at least fi ve batters in each of their fi rst fi ve major-league starts. Name two of them.2. Who has the most managerial wins in Kansas City Royals history?3. When was the last time before 2012 that Northwestern’s football team won a bowl game? 4. How many championships did the Los Ange-les Lakers win under the ownership of Dr. Jerry Buss?5. When was the last time before 2013 (Chicago and Boston) that two of the Original Six NHL franchises met in the Stanley Cup fi nals? 6. Who was the fi rst NASCAR driver to be fea-tured on a box of Wheaties cereal?7. When was the last time before 2013 that no American male tennis player was in the top 10 of the ATP rankings?
Answers1. Hyun-jin Ryu, Hideo Nomo and Kaz Ishii.2. Whitey Herzog won 410 games between 1975 and 1979.3. It was the Rose Bowl after the 1948 season.4. Ten titles.5. It was 1979 (Montreal and the New York Rangers).6. Dale Earnhardt.7. It had never happened before in the rankings, which began in 1973.
(c) 2013 King Features Synd., Inc.
Join these other successful businessesby placing an ad in Tidbits!Call 303.994.9683
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Big Time IncomeCall for an interview
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Financial Advisor Tidbits® of Douglas & Elbert Counties 11For Advertising Call Tim (303)994-9683
Cindy Rose
This article was written by Edward Jones for use by your local Edward JonesCindy Rose, Financial Advisor2195 N Highway 83 #23 - Franktown, CO 80116303.688-2127 Member SIPC
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Assumptions Can Be Dangerous to Investors
Every day of our lives, we make assumptions. We assume that the people we encounter regularly will behave in the manner to which we are accustomed. We assume that if we take care of our cars, they will get us to where we want to go. In fact, we need to make assumptions to bring order to our world. But in some parts of
our life — such as investing — assumptions can prove dangerous.
Of course, not all investment-related assumptions are bad. But here are a few that, at the least, may prove to be counter-productive:
“Real estate will always increase in value.” Up until the 2008 fi nancial crisis, which was caused, at least partially, by the “housing bubble,” most people would probably have said that real estate is always a good investment. But since then, we’re all more painfully aware that housing prices can rise and fall. That isn’t to say that real estate is always a bad investment — as a relatively small part of a diversifi ed portfolio, it can be appropriate, depending on your goals and risk tolerance. But don’t expect endless gains, with no setbacks.“Gold will always glitter.” During periods of market volatility, investors often fl ee to gold, thereby driving its price up. But gold prices will fl uctuate, sometimes greatly, and there are risks in all types of gold owner-ship, whether you’re investing in actual bars of gold or gold “futures” or the stocks of gold-mining compa-nies. “I can avoid all risks by sticking with CDs.” It’s true that Certifi cates of Deposit (CDs) offer a degree of preservation of principal. But they’re not risk-free; their rates of return may be so low that they don’t even keep up with infl ation, which means you could incur purchasing-power risk. Again, having CDs in your portfolio is not a bad thing, but you’ll only want to own those amounts that are suitable for your objec-tives."The price of my investment has gone up — I must have made the right decision.” This assumption could also be made in reverse — that is, you might think that, since the price of your investment has dropped, you must have made the wrong choice. This type of thinking causes investors to hold on to some invest-ments too long, in the hopes of recapturing early gains, or selling promising investments too soon, just to “cut their losses.” Don’t judge investments based on short-term performance; instead, look at fundamen-tals and long-term potential.“If I need long-term care, Medicare will cover it.” You may never need any type of long-term care, but if you do, be prepared for some big expenses. The national average per year for a private room in a nursing home is nearly $84,000, according to a recent survey by Genworth, a fi nancial security company. This cost, re-peated over a period of years, could prove catastrophic to your fi nancial security during your retirement. And, contrary to many people’s assumptions, Medicare may only pay a small percentage of long-term care costs. You can help yourself by consulting with a fi nancial professional, who can provide you with strategies designed to help cope with long-term care costs. You can’t avoid all assumptions when you’re invest-ing. But by staying away from questionable ones, you may avoid being tripped up on the road toward your fi nancial goals.
Laugh Lines Tidbits® of Douglas & Elbert Counties 12 For Advertising Call Tim (303)994-9683
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