Download - The Senior Voice - July 2008
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GhostTownIn NortherColorado
LongsPeakPioneer
Climbers
OutlawIn Early
Colorado
SkiingSteamboa
Springs
WildBill
HickokThe Man an
the Myth
NorthColoradFirst Pionee
Town
FrontieSchoolSnake in
the Classroo
CoverPicture:
Maroon BelMountainssee page 3
VOICEThe Senior
J u l y 20 08
Local Attractions Scenic Places History Money Health News
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y 2008 The Senior Voice
About Healthca
There is little doubt in my mind thatAmericas health care system isbroken.
We are headed toward a crisis, andAmericans are finding it more andmore difficult to obtain affordablecare.
I was reminded of a comment thatsums up my view: The health of thisnation is a national concern; financialbarriers in the way of attaining healthshould be removed.
That statement was made byPresident Harry Truman in 1945. It isclear that the issue has been buildingfor years and has, in my opinion,
reached the breaking point.With an annual health care expen-
diture of over $2 trillion, we arespending more per capita than ourcounterparts throughout the world. Infact, the U.S. currently spends 50percent more per capita on health carethan other industrialized countries.
But what success do we seof this investment? Based
tics with which we havetoo familiar, the dollars arlating into readily-high-quality care.
Our high spending msuch a cause for concern that our citizens had accthat produced outstandingbut that is not the case. people in Colorado evercannot afford treatment fohealth care needs.
According to the DepHealth and Human Serv
40 million people (19 peU.S. population) did nneeded services in 20they could not pay for them
Where is the money go________________You can call Sen. Sala
Collins office at 224-2200
15 convenient locations for pick-up
Serving Fort Collins, Loveland,Greeley, Windsor and Longmont
Door-to-door service alsoavailable
(970) 663-35
www.hlchospic
Compassionate
for the whole fa
when and wh
it is needed the
ByU.S. SenatorKen Salazar
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The Senior Voice
Published Locally Sin
VOL. 28, NO. 8
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PUBLICATION INFORM
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The Senior Voice
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Dr. William Lambdin, P
ill Lambdin
oker, aces and eights are calleddead mans hand becauses what Wild Bill Hickok heldn he was shot to death atwood, South Dakota, in l876.local drunk shot him in the
while Hickok played cards in aon, according to somerchers. Hickok was 39 yearshe most famous lawman of hisThe drunk was 25.orn James Butler Hickok inon an Illinois farm, Wild Billme one of the Wests best
wn figures. Many stories havetold about him, some true butexaggerated.e shot several men but not asas people believed. He joined
alo Bill Codys Wild Westw, but only for a brief timeuse he did not like it.e was an impressive lookingconscious of his reputation andd shot with a pistol or rifle. Hesix feet tall, wide shouldered,golden-brown hair and a face
many women found attractive.e dressed more like a gamblera lawman, in a black frockwhite linen shirt and expensive
kin boots.ickok became accustomed to
nce as a young man. In l859orked as a wagon driver on thea Fe Trail and was nearlyd by a bear near Trinidad,rado.l86l some said he shot a stage
n operator over a woman theyboth courting. Hickok was not
wman then, and the shootingconsidered murder by somee, though Hickok claimed selfse.e worked as a frontier scout for
army, and in l865 he killedher man: David Tutt was shot
gh the heart at 75 yards with a. That incident earned Hickokutation as a deadly, accurateer and a man to be feared.
n l869 he became sheriff atne, Kansas, then one of the
hest cow towns in the West,e he shot several outlaws ordrunken cowboys. Recordsnot accurately kept on such
ers, and few frontiersmened them to be.lthough Hickok was a killer, henot a bully. Strangers who met
were surprised by how quietcourteous he was. Some of the
men he shot probably drew on him
first simply because of his reputa-tion.In one incident, he threw a
drunken man in jail for disorderlybehavior. Some of the mans drunkfriends found Hickok and tried tokill him.
One grabbed him from behind.Hickok managed to get one armfree, pulled his pistol, poked it overhis shoulder and shot the man. Thenhe shot another coming at him fromthe front.
Those were the kinds of peoplehe often dealt with as a lawman in
frontier towns, the same unsavorycharacters policemen deal withtoday.
By l87l he had grown tired ofthat life and joined Buffalo Billsshow on the East Coast. But Hickokdisliked show business and returnedto drift for a time in Colorado andWyoming.
He married at Cheyenne in l876,the year gold prospectors beganheading for the Black Hills in SouthDakota. Hickok joined them and,with a friend called Colorado
Charley Utter, staked some miningclaims near Deadwood.
It was in that town that a 25-
year-old bum named Jack McCallshot Hickok. The incident was like abad scene out of an old movie,according to some historians.
Some local men were afraidHickok would be elected sheriff ofDeadwood; so they got McCallliquored up and convinced him tokill Hickok.
No one paid any attention to thedrunk as he slowly worked his waybehind Hickoks chair at the pokergame. Suddenly a gun exploded, andHickoks body was thrown violentlyonto the card table.
The drunk backed out of thesaloon and staggered to his horse.The saddle belt was loose. As hetried to mount, the saddle turnedunder the horses belly and McCallfell to the ground. He stumbleddown the street, was caught andlater hanged.
Inside, the famous lawman layface down on the table, his hand stillclutching his cards: aces and eights.________________COVER PICTURE: The MaroonBells peaks near Aspen, taken by
Andy Cook. See his fine photos atwww.rockymtnrefl.com.
William Butler Hickok. Colorado Historical Society.
Wild Bill Hickok
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The Senior Voice
ill Lambdin
n Ball of Estes Park recentlyeceived the Everyday Herord from Channel 7 Television.all is a retired Los Angeles
ceman who moved to Estesin 1984 with his wife, Jane.e then, he has been volun-ng for local schools andmunity groupssinging
boy songs and teaching art.ome years ago, he performedRoy Rogers son, Dusty, in
nson, Missouri. Ball hasten and recorded severalern songs, including a CDte to Roy Rogers.e is also an artist, paintingly Western scenes, and hasuced several limited editions and illustrated two books
t horses. He also produced anm of Hawaiian music.t age 13, Ball began working
wrangler on ranches inrado and Wyoming. He wasng music by age seven andtaining soon after that.
Music and art were no doubtficial during the 20 years he
worked the tough streets of LosAngeles as a policeman. He retiredin 1980 as a detective sergeant.
He and his wife, Jane, live just
outside of Estes Park on the LazyEasel Ranch. They have six chil-dren and 14 grandchildren, whomthey say are the treasures of ourlives.
For information on his music, artor performances, call 970-586-4557, or email [email protected].
Ron Ball of Estes Park
Seminar Schedu
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Fort Collins, CO 805
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July 17th 12:00 p.m./6
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Ron Ball
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The Senior Voice
Question About Estate Planninon Rutz, Attorney
Correspondent
What is the attorney expected to
settling my estate?
: The answer depends entirelythe person you select as the
onal Representative. You may
one estate settlement scenario inbut the Personal Representativewant or need to pursue a
ent course of action.hat is why in Colorado a Testatoron making the Will) cannot in the
require the Personalesentative to use a certain lawyer.here are several times in the
settlement process where legalance either may be useful orsary.ollowing death, a lawyer caner questions about what needs to
ne right away. The funeral homeally contacts Social Security ands the death certificates.
a court proceeding provesssary, many Personalesentatives are capable ofitting the paperwork themselves.s may think they can but end upated or spending too much time.hus, the Testator (Will maker) to know what kind of person-the Personal Representative hasder to gauge the degree of
ney involvement.he Testator can perhaps influencestate involvement of the lawyerling the Personal Representative
exactly how much Attorney involve-ment the Testator expects. But thatdoes not always help.
For example, over the years theTestator, the Personal Representative,and I have met where Attorney feeswere mentioned. A number ofTestators have told the Personal
Representative in front of me to payAttorneys fees and not quibble aboutmoney, since the Testator was aware ofthe particular Personal Representativestendencies for extreme frugality.
Some heeded the advice. Othersblew if off. I, like most Attorneys, haveresigned (quit) when it proved impos-sible to work with the PersonalRepresentative selected by the Testator.
Attorneys normally do not do thefinal income tax returns or estate taxreturns. Thus, Testators should becertain that the Personal
Representative knows who is going tobe responsible enough to see that thetax matters are handled by someonewith accounting expertise.
After the estate is settled, theAttorney should take a second look atthe big picture, especially if there is asurviving spouse.
How smoothly the settlement goesdoes not rest with the Attorney but withthe Personal Representative. Hence,the Testator should think twice aboutselecting the Personal Representative.
The Testator and his Attorney maywork well together, but that may notbe true for the Attorney and thePersonal Representative. Thus, more
and more Testators are selectingPersonal Representatives who canwork with the desired Attorney.________________Attorney Ron Rutz will answerquestions sent to 2625 Redwing
Road, Suite 180, Fort 80526, phone [email protected].
Medicare WasteContinues
Medicare wastes millions ofdollars every year by paying toomuch for wheelchairs, walkers,oxygen concentrators, diabetic testkits and nearly every product it buysfor participants.
For instance, officials at theCongressional Budget Office (CBO)say Medicare pays $4,023 for a power
wheelchair that anyone can buy onlinefor $2,174. It pays $1,825 for ahospital bed that sells online for $754.
CBO officials estimate thatMedicare could save at least $1 billiona year if it required companies to bidfor such products. In fact, competitivebidding was supposed to happen thisyear, but lobbyists from manufacturersof wheelchairs and other products aretrying to get the law cancelled.
This makes some analysts wonderif any real healthcare reform ispossible in the United States. It alsohelps explain why Medicare partici-pants see high premium increasesevery year.
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Jim Saulnier is an investment advistory representative of Financial Network Investment Corporation, member SIPC. Jim Saulnier and Financial Network are not affiliated.
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y 2008 The Senior Voice
(Editors Note: Greeley historian
Hazel Johnson wrote thefollowing story years ago.)
By Hazel Johnson
Teaching school in the late 1800scould be hazardous to yourhealth.
Maud Clark was a teacher and thedaughter of Greeley pioneer J. MaxClark. Mauds own daughter,Dorothy Gardiner, told of a precar-ious situation her mother once faced:
When my mother was about 17,she got a job at $40 a monthteaching in a country school nearPlatteville40 pupils of all ages.
She had to do the janitorial work,build fires, sweep out the place anddeal with a large and rowdy family
named Clancy. She had to board withthe Clancys and sleep in the samebed with the oldest Clancy girl
It was a tough class, but Maudwas a girl with determination. Someof the Clancy boys in the class wereas old as she and larger.
One day they came to her andsaid theyd found a rattlesnake neston their farm and asked her if shedput one of the snakes in alcohol forthem if they brought it in.
She said she would. They
arrived with a large, apparently deadrattler dangling from a slip-noose at
the end of a stick.But the snake was
merely stunned; and all the class were involvconspiracy.
They wanted to see scream and jump on a the rattler revived.
Maud took the snstring around its neck andoutwardly dead, on hewent on with the class.
Soon she noticestudents straining to see thad crawled off the descrawling along the floor t
To the disappointmconspirators, Maud did n
She took a ruler, puof the heavy string towapicked the snake up with
as the slip-noose tighsnake went limp again.
By this time, it was joke to the class. The stuterrified.
Maud carried the snyard. When she camestudents let out a sigh oftold the Clancys to go kil
The class didnt stiwith their hands foldedesks, hardly daring to br
And after that, if sh
eyebrow at them, they obey.
Greeleys first school, Meeker, built in 1873.
Hazel Johnson Collection.
FEET HURT?ingrown & problem nails hammertoes heel & arch pain corns & calluses diabetic footcare fitness walking
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CALL 352-48152000 16TH ST., SUITE #3
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Now expanded hoursat our Estes Park Specialty Clinic,
555 Prospect, 970-586-9040.
Early School Hazardous Pla
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The Senior Voice
w w w . K i r k E y e C e n t e r . c o m
3650 East 15th StreetLoveland, Colorado
669-1107
John W. Colvin, OD &John D. Kirk, MD, FACS
When a teacher/librarian is forced to give up she cant see the type, it is a sad day indeed.exactly what happened for new Loveland residentBonnell. A local optometrist referred Elaine to Drbecause cataracts were keeping her from enjoyingfullest.
From the very first visit, I knew that a small tsupportive atmosphere existed here at Kirk Eye Kirk put me at complete ease. His skill at remocataracts was excellent. And, his concern contin
got home he personally called to check on my following my surgery.
Elaine could not believe the difference cataract suShe could see detail. She had learned to live withoKirk gave me the most wonderful Christmas gifstarted a new book today and I intend to finishevery last word.
C a t a r a c t S u r g e r y
After moving from a smtown, I didnt think I wofind this type of personal
but Dr. Kirk pat complete ea
Elaine BonneLoveland
ROSSRemote locale in Jackson County SW ofGouldTerrell of the Broncos
Denver mayor from 1983 to 1991 and waslater appointed as U.S. Secretary ofCommerce then Secretary ofTransportationHalf a pair of sneakers?County in which youd find Wolf CreekPassSet of three closely related itemsSomeone you might come face to face withif you sail around Somalia (2 wds.)Blockbuster competitorWoodworking toolSpottedUnpolishedThere is nothing like a ___, SouthPacific songFormer CSU Ram and Denver Bronco,Bradley ___ PeltMaglie or MineoThe ___ War began June 25, 1950
She founded the Opportunity School in1916 and was posthumously inducted intothe
orado Womens Hall of Fame and namedDenvers most useful citizen.Weld County town west of Ft. LuptonCardinals, on the scoreboardSuffix for patriot or alcoholWeld County town east of WellingtonHawaii-born golf phenomBritish gentlewoman who authored ALadys Life in the Rocky MountainsType of committee___ Pass in the Never Summer RangeHigh school class for cut-ups?The ___ Street Bombers (early Rockiesnickname)Sad feelingsHeart patients exam, brieflyPatriarch of Rocky Mountain National
Park: ___ Mills.
58. County surrounded by Pueblo, Crowley,Kiowa, Mills, Bent and Las Animas coun-ties
59. School adjuncts, often
DOWN1. Bi ll or Tex2. Old hat, so to speak3. Auditorially challenged4. Confused5. Big screen venue in Denver6. Drink from a demitasse7. Social security for Colorado state workers8. Part of Q.E.D.9. ___ Meeker and his Union Colony found-
ed Greeley10. Sheltered side11. Scout Carson13. Its nothing!15. Former Bronco coach ___ Miller20. Mt. ___ is one of the Collegiate Peaks21. Field workers in the middle ages23. Grayish soft mineral used in powder form25. Washington County town between Brush
and Yuma26. Miss Piggys innocent question27. Largest ski area in North America28. Colony member29. Former name of Thailand30. Town where the North and South St.Vrain
Rivers meet32. Young newts34. ER workers35. Wildebeest36. Word before apparent39. ___ Peaks Wilderness Area41. #3 across was 3042. Palisade enterprise43. Singer/actor whose ax throwing on the
Johnny Carson Show brought down thehouse
44. ___ choy (Asian vegetable)45. Capable46. Ecce ___
47. Cheers south of the border48. Debate side49. Fluid-filled sac50. Northern Nevada town51. Car wash item53. Pontiac collectible
ANSWERS
Colorado
Crosswords
are created exclusivelyfor The Voice by Tony
Donovan, who lives in Loveland.
Colorado CrosswordsBy Tony Donovan
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uly 2008 The Senior Voice
Historic Lake
Lindenmeier Lake in northeastFort Collins (east of LemayAvenue) was named for WilliamLindenmeier, a German immigrantand early settler.
He came here after the Civil Warin about 1869 and bought the farm-land and lake. At that time, the townhad 1,300 people
Lindenmeier was frugal andambitious. In winter, he chopped ice
from the lake, stored it in anicehouse and sold it to town resi-dents in the summer. He also soldproduce from his large garden at aroadside stand on College Avenue.
He owned a tavern and billiardhall named the Board of Trade.Later, his son William Jr., managedthe farm and in 1908 developed thelake as a place of entertainmentwith boats, swimming and fishing.
He stocked the lake with large
German carp that were fbut not good eating bewere full of bones. In wwas ice skating on the lak
The city street car comtrolley to the lake, Galloping Goose by earlOther people came by hoand automobile.
In 1912 over 3,000 pbrated Labor Day at t
band played for dancpavilion.
The resort was clospartly because of WoToday the old trolley isLindenmeier Farm hahouses surrounded by the________________Editors Note: The old
building Arlene wrote month is now used as
Mill Healing Center.
Women and Heart DiseMedical researchers have beensaying for years that heartdisease is a serious threat to women,but many women still ignore themessage or havent heard it,according to a report in theAmerican Heart Journal.
Or maybe doctors dont talkabout heart disease with women asmuch as they do with men.Whatever the reason, many woman
seem to think heart disease is amans illness and that women should
not worry about itresearchers.
But if they have a famof the disease, women shas concerned as men, beare just as likely to haattack.
Women seem to feelget-out-of-jail-free cacomes to heart diseresearcher Dr. Alexis
They seem to feel that disease. But its not.
ByArlene
Ahlbrandt
1525 Riverside, Suite-BFort Collins
Lindenmeier Lake in the early 1900s.
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The Senior Voice J
Cheyenne Frontier Dayseyenne Frontier Days will be helde last full week in July.
he two-hour parade includesntain men, cowboys and theen who went West with them,ed wagons, surrys and antique
all filled with colorfully cladngers, plus horses, marching
s, and even a U.S. Marshallslooking for bad guys.
fter the parade, crowds pour out to
the parking area where free shuttles runto Frontier Park every ten minutes. Therevisitors can watch free calf roping or takea complimentary tour behind the rodeochutes to see the stock.
The rodeo is basically the same as the
early cowboy contests with broncs andbulls throwing contestants into the dustand steers slipping from an iron grip.
Native Americans are in teepees inthe Indian Village on the rodeo grounds
where they demonstrate traditional skillsand dancers spin and swirl. Thismarvelous experience is also free.
A visit to a replica of old Cheyenne just east of the rodeo stands is worth-while as costumed folks from the past
stroll the streets telling historic tales.Downtown at night there are free
concerts in the Cheyenne depot squarewhere dancers of all ages do the two-stepor boogie to boot-stampingmusic. Theres a nightly melodrama at
the historic Atlas Theater a bOn Monday, Wednesda
there are free pancake bremusic and jokes by the String Quartet Plus OAmerican dancers, and doz
queens signing autographs.Every day the
Gunslingers put on a bang-ance just a block wdowntown square at noon.
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Red Feather Lakes Library
Regional art show through July 13;geology workshop, July 10; Alzheimerscaregiver tips, July 12; free computer
class, July 17; bookmaking class, July19. Ongoing services for computers; chil-drens programs and other events. CallSarah Myers, 881-2664.
Greeley Libraries
Programs on chess, movie discus-sions, book discussions, sewing, lunchesand entertainment. Call 506-8568.
Fort Collins, Music
Free live music conWednesday at 6:30 pm thr13 at CSUs Lory Student
lawn. Big bands, jazz, etc.
Historic Farm in Lovelan
The W.B. Osborn fmuseum recently opened 1st Street in Loveland. family settled there iLovelands first pioneers. Ftion, call 970-663-7348.
Local Events and Exhib
ByMargaretLaybourn
An early artists drawing of a Frontier Days rodeo.
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The Senior Voice J
ll Lambdin
nflicts of interest continue to beevealed among university profes-who secretly accept money fromcompanies for health research.recent Congressional investiga-
requested by Senator Charlesley (R-Iowa) revealed that some
e worlds leading psychiatrists atard University accepted severalon dollars from drug companiesdid not disclose many of theents.arvards Dr. Joseph Biedermanpted at least $1.6 million from
to 2007. His colleagues Dr.othy Wilens and Dr. Thomascer accepted similar amountsg the same period, according tovestigation.he three are considered worldrs in child psychiatry. Researchshed by them over the yearspted many psychiatrists to giveren powerful anti-psychotic. That resulted in huge sales ands for the drug makers.ome psychiatrists question theom of giving such drugs to chil-
especially those under age six,ntrol bipolar disorder (a moodem). But the Harvard psychia-
trists insisted such children should begiven antipsychotic drugs commonlyused to treat adult schizophrenia.
Several million children havereceived the drugs over the pastseveral years. It is commercial exper-imentation on children, said VeraSharav with the Alliance for HumanResearch Protection.
In the area of child psychiatry inparticular, we know much less thanwe should, and we desperately needresearch that is not influenced byindustry money, said Dr. E. FullerTorrey with the Stanley MedicalResearch Institute.
Most universities claim theymonitor professors research grants toavoid conflicts of interest, but Sen.Grassleys research and that of otherssuggests otherwise. Universities usuallyjust accept whatever professors report.
Biederman, for instance, toldHarvard officials he received nomoney from Johnson & Johnson in2001. But Sen. Grassleys investiga-tion found that he accepted over$58,000 that year from that drugmaker plus more from others.
Such conflicts of interest arecompletely unacceptable said JohnBurklow with the National Institutesof Health.
uestionable Medical Research
ew device that works like a tinyacuum cleaner sucks blood clotsthe arteries of heart attack victimsearly doubles the success rate ofplasty, according to a report in theEngland Journal of Medicine.lood clots have long been aem in such procedures becausecan break off during angioplasty,e through a vein and causeage elsewhere.ut surgeons can now insert a
small tube before the angioplasty isdone. The tube allows surgeons tosuck out much of the clot that couldotherwise cause trouble.
The suction procedure is calledthrombus aspiration. Surgeons using itsay it is a quick and fairly simpleprocedure.
It also increases the success ratefor patients who do not receive angio-plasty within the recommended 90minutes after a heart attack.
ew Heart Surgery Procedure
me congressmen want prescriptionug ads on TV to contain an FDAe number and Internet address somers can report any serious sides of drugs to the FDA.ep. Jan Schakowsky (D. Ill.) andRosa DeLauro (D.Conn.) havethe FDA to require pharmaceu-companies to include such
mation in each TV ad.
he legislators say a nationwidey by Consumers Union shows
that 16 percent of Americans haveexperienced an adverse side effectfrom a drug that was serious enoughfor them to see a doctor. ConsumersUnion said only 7 percent of thepeople surveyed knew that the FDAwas the place to report a side effect.
Rep. DeLauro also wants toprohibit TV advertising of new drugsuntil they have been on the market for
three yearsto give time for sideeffects to be revealed.
Side Effects of Medicine
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MILO BOHLENDER GARY BOHLENDER
Dedicated to ServeLocally Owned and Operated Since 1959
121 WEST OLIVE 482-4244
VAUNDEEN BOHLENDER-BACHUS
667-0202LOCALLY OWNED
FAMILY OPERATED
8426 Highway 287Fort Collins
View online obituaries and sendcondolences via the guestbook at
www.resthavencolorado.com
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uly 2008 The Senior Voice
Berthoud Named for Railroad Maois Hall
e town of Berthoud near
oveland was named for one of
rados most respected pioneers.
Edward L. Berthoud was a
yor and civil engineer who laid
ailroad lines for the Coloradoral Railroad, which established
own of Loveland. He was also
of the first teachers at the
rado School of Mines in
en.
is most noted achievement
discovering a route through the
ntains west of Denver that
tually allowed railroads to
Salt Lake City and the West
t. That route, named Berthoud
in his honor, is still used
.e was born in 1828 in
zerland and came to America
his parents in 1830. He studied
neering at Union College in
York. When the Colorado gold
began, he and his wife traveled
by covered wagon to a mining
supply camp just west of Denver.
That camp later became the town
of Golden, and Berthoud was one of
its founders. There he met William
Loveland, founder of the Colorado
Central Railroad, and became the
railroads chief engineer.
Berthoud laid out the line from
Longmont north to Loveland, Fort
Collins and Cheyenne; also the line
from Golden to Greeley andJulesburg.
Although the town of Berthoud
was named for him in 1877, he was
not the first pioneer there. Lewis
Cross had taken up farming in the
area in 1860 after trying
the gold fields.
Edward Berthoud s
trustee for 15 years at th
School of Mines after
first faculty in 1872.
scientific articles for
Mountain News and othtions for many years.
He died in 1908 at th
His contributions to Co
still remembered through
that carry his name.
Life Annuity Goodfor Retirement
By Scott Burns
Financial Writer
Q: My company recently changed
our pension plan and froze the
dollar amount under the previous
plan. The new plan will probably be
good for younger employees. But I
am nearing Social Security age and
had planned to retire by the end of
next year or sometime the following
year. I do not have time to recover
the loss of lifetime monthly income
under our new plan, and now I am
fearful the company may make more
changes after I retire.
I am considering taking half of
my lump sum distribution, buying a
lifetime annuity and investing the
other half in a rollover along with
my 401(k) funds. This plan, along
with my Social Security benefits,
should give me a more secure plan
to last me the rest of my life.
Do you agree? Or I could take
the full lump sum and invest it all.
Taking 4 percent might run me a
little short if the market is down.
However, I would still have all of the
money.
A: Life annuities are a good tool
for reducing your living standard
risk in retirement. If you invest a
portion of your lump sum pension
settlement in a life annuity, your
retirement income will come from
more sourcesSocial Security,
pension/ annuity, investments and
(hopefully) debt-free homeowner-
ship.Because life annuities deliver a
relatively high inco
percentage of dollars cconverting a portion of y
into a life annuity ca
reduce the amount of i
need from the saving
invest, allowing them t
later use and reducing
large early withdrawals
has shown the portfolio
to survive longer if a po
portfolio is committe
annuity.
At www.immediatean
you can get quotes for dif
of contracts. A $100,000
would provide a life incom
$650 a month for a m
month for a woman, a
month for a joint and surv
with a 100 percent ben
survivor. That last figu
month, is 6.6 percent of
investment, significantly
you can safely withdraw f
folio.
When you purchase tmake sure you understan
cations of its terms. Pens
that you use a joint an
optiona lifetime incom
and your spouseunless
signs off on a life only
While the survivor bene
ally reduced, it can be a
your long-term planning.
________________
Scott Burns is a longtim
writer for the Dallas Mo
and other papers. You cantions to scott@scottburns
The town of Berthoud wasnamed for Edward Berthoud.
Colorado Historical Society.
Call Sandra today for moreiuformation and a tour
at 631-5824
a & Vista 21st Streetng, NE) 436-3101
Residency2100 Circle Dr.Scottsbluff, NE(308) 632-4342
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The Senior Voice J
aughter Is the Best Medicinerandfather took his 7-year-oldranddaughter for a car rideSunday morning.
ne day he had a cold; so histook the girl for a ride. Whengot home, he asked the little girlhad a good time.
Yes, she said, and we didntsingle s.o.b. or damn jerk the
e time.
woman was remodeling heroom and needed a small night
by her bed; so she put a want-the newspaper:
Wanted. One night stand.he got some strange phone calls.
woman unloaded her cart at theery store cash register anded a drunk man in line behind
s she waited for the items to beup, the drunk said to her, Yoube single.
he was surprised and wonderedhe knew she was, indeed,e. She thought maybe he
sed it from her grocery items.
But they were milk, eggs and nothingindicating she was single.
She finally turned to him andsaid, How did you know Imsingle?
He replied, Because youreugly.
An eagle was sitting in a treewhen a rabbit on the ground lookedup and said, Id like to be like you,Mr. Eagle.
What do you mean? asked theeagle.
Just sit and do nothing.Well, why dont you?So the rabbit did. But a fox came
along, jumped on the rabbit and atehim.
Moral: You must be high up to sitand do nothing.
Definition of an Irishman: Hehasnt kissed his wife in 20 years, buthe will kill any man who does.
Murphy told his friend, My wifeis driving me to drink!
His friend said, Youre lucky.Mine makes me walk.
Mike told his buddy, My motherwanted me to become a priest, but Ididnt. Can you imagine giving upyour sex life, then every weeklistening to people describe theirs indetail?
Clifford Roberts was considered
the man who years ago did the mostto make the Masters golf tournamentsuccessful.
He seldom took no for an answer.One year he wanted to move thetournament date to a week earlier inApril but was told the players wouldbe finishing on Easter Sunday.
Roberts said, Well, find outwhos in charge of Easter and getthem to move it.
Female golfing terms: Good lie: Weight on the driverslicense. Slice: No thanks...just a sliver. Tees: Putting on that VictoriasSecret negligee. Water hazard: Giving the kids toomuch to drink before a road trip. Wedge: Bathing suits too tight.
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The Senior Voice J
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