the senior voice - may 2009

GhostTown

In NorthernColorado

LongsPeakPioneer

Climbers

OutlawsIn Early

Colorado

Skiing Steamboat

Springs

GhostTown

PoudreCanyon

BearAttack

Mountain Man

Hugh Glass

FirstSettlers

GreeleyIn the 1800s

CoverPicture:

MountainLion

See page 3

VOICEThe Senior

M a y 2 0 0 9Local Attractions • Scenic Places • History • Money • Health • News

2 • May 2009 • The Senior Voice

By Ron Rutz, AttorneyLegal Correspondent

Q: Now that I have lost two-thirds ofmy assets in this financial meltdown,what should I do about my estatedocuments?

A: Let’s focus on Wills andLiving Trusts. Take a look at thedistribution provisions in your docu-ments. If you have used percentages,are people receiving what you had inmind or should the percentages beadjusted?

If you have used dollar amounts,does the total of the specific bequestsexceed what is subject to distributionunder the Will? Are your residuarybeneficiaries receiving what you hadin mind?

If the estate is not listed as abeneficiary or if you added jointtenants to asset titles, does theoverall asset distribution patternneed to be better coordinated toreflect the distribution pattern asenvisioned in the Will?

If your total taxable estate(including assets attributable to yourspouse) is under $1 million, and ifyou have a tax Will or a tax LivingTrust, it might be prudent tosimplify the Will or Living Trust.

For those with Wills, considerhaving a four or five page documentand holding everything in jointtenancy with your spouse. Also,name each of you as the other’sbeneficiary. This is simple, easy andinexpensive.

For those of you with tax LivingTrusts, now might be the time tojettison those lengthy and compli-

cated documents and set up standardWills with joint tenancy ownershipand each of you as the other’s bene-ficiary.

You might also consider that theevents over the last year might besomewhat of an unfortunate wake-upcall. For example, do not gift assetsthat you might need in the future. Infact, some people are now trying toget the gifts returned to them.

Do not tie up assets for the sakeof an income flow, which sacrificethe ability to tap the underlyingamounts.

Shore up your financial paper-work. If loans have been made tochildren, then execute promissorynotes. If advances to children havebeen distributed, which affects theirfuture inheritances, then documentsneed to be adjusted reflecting thatsome beneficiaries received part oftheir inheritance early.

The estate assets list that youmade to help your PersonalRepresentative locate assets needs tobe adjusted to show the change in theassets with current values noted.

Finally, it might be prudent to lookat your professional team (attorney,CPA, financial planner, broker, etc.)and see if changes are needed. Alsopick a “quarterback” who willoversee the team; pick someone whocan raise red flags and not be taintedwith conflicts of interest.________________Attorney Ron Rutz will answerquestions sent to 2526 RedwingRoad, Suite 180, Fort Collins, CO80526; phone 223-8388; [email protected]. �

Estate PlanningInformation

Health insurance companies chargewomen much higher premiums

for individual policies than men; andthere is little justification for it,according to the National Women’sLaw Center and other groups.

In Columbus, Ohio, a 30-year-oldwoman pays nearly 50 percent morethan a man of the same age forAnthem’s Blue Access Economy plan.In Denver that woman pays 32 percentmore for Humana’s Portrait Plan.

Insurance company executives saywomen typically use more health care

and that actuarial experience justifiesthe higher costs. But MarciaGreenberger with the Women’s LawCenter investigated actuarial data andsaid, “The wide variation in premiumscould not possibly be justified byactuarial principles.”

Insurance executives also saychild-bearing justifies higher costs;but in most cases insurers charge extrafor separate maternity policies.Women still pay more than men dofor policies without maternitycoverage, say investigators. �

Women’s Insurance Higher

The Senior Voice • May 2009 • 3

Published Locally Since 1980

VOL. 29, NO. 6

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By Bill Lambdin

Colorado and Wyoming have manyghost towns that are fun to

discover when you’re hiking ordriving in the mountains, and they canput you in touch with the regions’colorful past.

These wild and woolly placeswere established over 100 years ago,and they represented the hopes anddreams of the first settlers.

Manhattan was located northwestof Fort Collins near the PoudreCanyon. Nothing remains of this1800s town, but you can reach itslocation four miles north of Rusticalong Road 162 toward Red FeatherLakes. It’s a dirt road, but cars caneasily make it when the road is dry.

Manhattan was never a majormining town, and its boom lasted onlya few years. But when gold was firstdiscovered there in 1886, hundreds ofminers filled this beautiful woodedmeadow.

Manhattan had a hotel, stores,some homes and a saloon called TheAce of Clubs. The saloon was sohastily built that its walls were a littleflimsy. During a fight over a cardgame, one miner fell into a wall andended up outdoors.

The town’s prospectors gave theirmines colorful names like The LittleTipsy, Laugh-a-Lot, and Katy’s Pet.

For a while, Manhattan was socrowded that miners sought sleepingspace on tables in the saloon or anyplace they could get out of theweather.

The Denver Post predicted thetown would be a major mining districtin a story that said, “There is no doubtManhattan is on the eve of a boom.”

It never happened. A post officewas established there in 1887, but thetown was nearly deserted by 1899.

That’s how quickly boom townscame and went in early Colorado.Money disappeared just as fast asminers squandered it on card games orwild schemes they thought wouldmake them rich.

Manhattan had one later claim tofame. Lady Moon once owned a ranchnear there.

She was a poor but good lookingyoung woman named Katie Lawder.She married a young British man,Cecil Moon, who had come to thearea to learn ranching and later inher-ited money and a title from his familyin England.

Katie suddenly found herself beingcalled “Lady Moon.”

She liked it but was hardlyprepared to handle high society. On avisit to England, she took along herhorse and, according to observers,“cut a wide swath” through royalcircles with her Wild West ability to

Manhattan was established in 1886 northwest of Fort Collins. Photo Fort Collins Public Library.

drink, cuss and raise more than a littlehell.

The frontier life at Manhattan isgone now, and the old log cabins havecrumbled. But you can still find thetown’s location. And if you listen withimagination in the peaceful stillness ofthe valley, you can hear the cries ofjoy and sorrow that once echoedthrough this place.________________COVER PICTURE: A mountain lion,taken by professional photographerAndy Marquez. He has a photo artgallery at Cherry Creek North inDenver, 2445 E. 3rd Avenue, Unit 3.His gallery was named the “BestGallery” in Denver in a Channel 7television poll. He is celebrating 25years in business this month.

Andy sells his large-print photo-graphs at his gallery plus hard-covercoffee-table books of photographs hehas taken. The book titles are“Colorado: A Breath Away fromHeaven”; “Last Signs of theFrontier”; “Dreams That LastForever”; “The Blue Bubble Lady”;and “Early Signs of Enchantment.”

He has taken photographs in 32countries and on six continents, but hesays his favorite place is Colorado. Helives with his wife near Denver. [email protected]. See hiswebsite at andymarquez.com or call303-797-6040. �

Poudre Canyon Ghost Town


(Editor’s Note: Greeley historianHazel E. Johnson wrote thefollowing story years ago.)

By Hazel Johnson

AGreeley pioneer with theinitials J.F.H. recalled how the

town was first settled in 1870:“About the middle of May, we

were dumped off the train, ourbaggage thrown after us.

“Some people brought lumber,some teams, others stocks ofmerchandise. Soon Greeley was abusy place with houses going upand ditches being dug.

“It is not an easy matter tohandle a colony. So many men ofdifferent minds bring about muchcontrary pulling and hauling.

“There was plenty of wranglingamong the members of UnionColony during those early days.Once or twice, the colony was neardissolution. Had there been foundthe least dishonesty on the part ofits officers, the colony would havebroken up.

“It was a great day whenHorace Greeley, New YorkTribune editor, made his first visit

to the town named for him. Theentire population turned out to seethe famous journalist.

“His hair was white, his cheeksas peachy as a young girl’s.Intelligence flashed through hisspectacles. The crowd pressedforward, eager to shake his hand.At a reception, he said:

“’Your town is big enough forthe present. Go out and developyour outlying lands. Start manu-facturing; produce something.’He seemed pleased with thetown.

“After Greeley became thecounty seat, most of the houses inEvans were hauled over the hill toGreeley. One morning I countedsix houses looming in sight likeships above the horizon south oftown.

“At first just the rooftopsappeared, then the upper storiesand the houses entirely, and thelong strings of oxen, their driverssaluting the new town withpopping whips.

“I often think of those happydays,” said the pioneer, “when thetown was young, and I was youngand enthusiastic.” �

First Settlers in Greeley

Greeley’s original settlers (the Union Colony pioneers) in an 1898 photo. Hazel Johnson Collection.

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By Michael Hollis, DirectorSocial Security, Greeley

This Mother’s Day is the besttime to help your mother save an

average of $3,900 a year on herprescription drug costs.

Here’s how. If your mother iscovered by Medicare and haslimited income and resources, shemay be eligible for extra help fromSocial Security to pay part of hermonthly premiums, annualdeductibles and prescription co-payments. The extra help is worthan average of $3,900 a year.

To figure out whether yourmother is eligible, Social Securityneeds to know her income and thevalue of her savings, investmentsand real estate (other than the homeshe lives in). To qualify for the extrahelp, she must be receivingMedicare and also have:

Income limited to $16,245 for anindividual or $21, 855 for a marriedcouple living together. Even if herannual income is higher, she stillmay be able to get some help. Someexamples where income may be

Save on Medicare Drugshigher include if she or her husband:

Support other family memberswho live with them; have earningsfrom work; live in Alaska or Hawaii;and have resources of $12,510 foran individual or $25,010 for amarried couple living together.Resources include such things asbank accounts, stocks andbonds. We do not count her house orcar as resources.

You can find an application atsocialsecurity.gov/prescriptionhelp.To apply by phone or have an appli-cation mailed to you, call1-800-772-1213 (TTY 1-800-325-0778) and ask for the Application forHelp with Medicare PrescriptionDrug Plan Costs (SSA-1020). Or goto the nearest Social Security office.

To learn more about the Medicareprescription drug plans and specialenrollment periods, see socialsecu-rity.gov or call 1-800-MEDICARE(TTY 1-877-486-2048).

Maybe you can save your mom,or any loved one, an average of$3,900 a year on prescription drugs.In times like these, every dollarcounts. �

Prostate cancer is being over-diag-nosed, and that causes problems for

many men, says a report in the Journalof the National Cancer Institute.

A very high percentage of prostatetumors will grow so slowly that theywill never be life threatening, saidresearchers. And treating those tumorscan led to unnecessary surgery, theresults of which often leave menimpotent and incontinent.

The over-diagnosis is oftenprompted by PSA tests (prostatespecific antigen) that indicate tumors

Treating Prostate Cancerare present. But those tests do notindicate which tumors need treatmentand which do not.

Too many unnecessary surgeries aredone based on PSAs, said researchers inthe Cancer Institute report. Their studyinvolved nearly 77,000 men.

American Cancer Society officialDr. Len Lichtenfeld said the studysuggests that “we are over-diag-nosing prostate cancer.” Otherresearchers have reached similarconclusions, but many say the PSA isstill a valuable test. �

The debate continues over whetherall women should have breast

cancer screenings.Some experts say the screenings

often lead to unnecessary surgery andother treatments for types of breastcancers that would never cause prob-lems. Most experts agree thatscreenings are unable to determinewhich cancers are life threatening andwhich are not.

The situation is similar to the onemen face concerning prostate cancerscreenings. Few women know that

Breast Cancer Screeningssome breast cancers grow so slowlythat they will never affect their health.

But the American Cancer Societystill recommends annual screening.So do most other medical societies,though there is less agreement amongresearchers today than in previousyears.

“There is a real trade-off of bene-fits and harms,” Dartmouth MedicalSchool researcher Dr. Lisa Schwartztold the New York Times. “If you getscreened, it’s more likely you’ll havea diagnosis of breast cancer.” �

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Bear Attack in the 1800s(Editor’s Note: Wyoming historianMargaret Laybourn wrote thefollowing story.)

Hugh Glass, a mountain man oflegendary strength and tenacity,

had deserted his nagging wife andtwin sons in the East for a life in thewilderness where he was looked up toby younger adventurers who learnedthe ways of the wild from him.

Two of those young men,Jim Bridger and Tom Fitzpatrick,were favorites of Glass because theywere about the age of his sons.

Working for the army’s expedi-tion to explore the upper MissouriRiver, Glass’s job was to supplymeat for the troops. While hunting,he was attacked by a female grizzlywith two cubs.

The bear knocked his rifle out ofreach and enfolded him in her enor-mous paws. Glass managed to grabhis knife and stab the animal timeafter time. The bear shredded hisback with her claws.

Raking the skin off his scalp, thebear was ready to leave him for deadwhen Glass’ knife found her heartand she fell dead on top of him.

When Glass came to, he foundthat someone had found him andsewn up the wounds in his back andthe skin covering his skull. His painwas excruciating, and he was laidout on the fur of the bear, which hadbeen skinned. Glass’s leg had beenpulled out of its socket and broken.

Somehow he managed to pull hisbody into a nearby creek where helay for hours in the healing water.Pulling himself onto a sandbar hesaw that a shallow grave had beendug for him.

He had been helped, then aban-doned by Bridger and Fitzpatrick.Through amazing endurance, Glasslater managed to crawl nearly 200miles to Fort Kiowa.

His rage at the two men whodeserted him grew with every mile.Revenge was the motivation thatkept him going.

When he reached Fort Kiowathree months later, he was a ghostlyfigure with his shrunken body stillwearing the bearskin. He wasnursed back to health by his Siouxwife, and then he set out to find thelads who had left him.

Bridger and Fitzpatrick managed

to convince him that their own liveswere in danger when they left him.Remembering that he had onceabandoned his own young sons,Glass forgave the lads.

Jim Bridger and Tom Fitzpatricklater went on to become famousmountain men in their own right. �

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Jim Bridger established this fort (now re-built) in southwestWyoming several years after the incident involving Hugh Glass.

Wyoming History Museum.

ByMargaretLaybourn


Proposed federal legislation wouldrequire drug companies to report

all gifts and payments they make todoctors.

Sen. Charles Grassley (R-Iowa)and Sen. Herb Kohl (D-Wisconsin)are sponsoring the legislationbecause, said Grassley, “the publichas no way to know whether a doctorhas been given money that mightaffect prescribing habits.”

The senators say that in somecases payments to a single doctoramount to well over $100,000 a year.That could encourage some toprescribe expensive drugs whencheaper drugs would work just aswell—or prescribe drugs when theyare inappropriate. The latter has beensuspected in some cases involvingpsychiatric drugs for children.

Drug company representatives saysuch legislation is not needed becausethe Food and Drug Administration(FDA) already regulates pharmaceuti-cals. But the senators point out thatthe FDA does not currently regulateall consulting fees and other paymentsdrug companies make to doctors.

Two states, Minnesota and Vermont,already have laws requiring drugcompanies to report payments, but state

officials say drug companies largelyignore the laws. Other states are consid-ering similar laws, but some analystsquestion whether states have the staffand money to enforce such laws.

The proposed legislation byGrassley and Kohl would be morecomprehensive than those of statesand include even third-party paymentsmade on behalf of drug companies.That can occur when universities areinvolved and money is funneledthrough academic research programsor foundations. In fact, most of themajor problems occur with universityresearchers.

Free drug samples for doctors’offices and financing for clinical trialswould not have to be reported underthe senators’ proposal. But all otherpayments exceeding $25 would haveto be reported, and they would beposted on a web site so the publiccould see which doctors receive largepayments from pharmaceuticals.

People could judge for themselveswhether there might be conflicts ofinterest involving a doctor and a drugcompany. But some analysts think thedrug company lobby is powerfulenough to stop such legislation frompassing. �

Conflicts of Interest

If you have to see a doctor whodoesn’t belong to your insurance

company’s group (is out-of-network),you might get cheated by your insur-ance company.

That’s the conclusion of SenatorJohn D. Rockefeller (D-West Virginia),who said insurance companies arecommitting “outright fraud” by makingpatients pay much more than they shouldfor seeing out-of-network doctors.

Your insurance company will coveronly what it considers “reasonable andusual” fees for such services. That

means the doctor will bill you for thedifference between what he charges andwhat your insurance company pays him.

But insurance companies them-selves determine what is “reasonable”;so they choose a low reimbursementamount, leaving you with a muchhigher bill.

It’s a nationwide practice that hasbeen going on for years. Sen.Rockefeller and others say it’s just oneof many problems caused by havinginsurance companies in charge ofAmerica’s healthcare. �

Health Insurance Fraud?

Some skin creams advertise that theycontain “stem cell technology” that

will restore skin and make women lookyounger—if they want to pay over $100for a tiny amount of the cream.

But that’s nonsense, says dermatolo-gist Dr. Kenneth Beer, a researcher atthe University of Miami. He conductsclinical trials on skin-care products.“There is no conceivable way todaythat stem cells could be delivered in atopical product,” he told the Los

Angeles Times.But it’s a good marketing ploy

because there is so much interest instem cells, he said.

Another waste of money are expen-sive vacuum cleaners that are supposedto get rid of dust mites in your house,said Dr. Peter Gotzsche in an article forthe Cochrane Collaboration.

His team studied 3,000 asthmapatients and said what helps them ismedicine, not vacuum cleaners. �

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The latest research on reducing therisk of stroke says taking statins

such as Lipitor, Crestor and Zocorworks.

A report in the journal LancetNeurology says such drugs lower badcholesterol, and that can reduce therisk of stroke for many people. Otherstudies have reached similar conclu-sions, and this one adds to the beliefthat “there’s a direct relationshipbetween lowering LDL (bad choles-terol) and lowering the risk of stroke,”

said Dr. Jonathan Friedman at TexasA&M College of Medicine.

The researchers also said it’s impor-tant to be aggressive about lowering badcholesterol. “It’s not just a matter ofputting patients at risk for stroke on astatin and considering that a success,but actually being aggressive aboutlowering LDL and monitoring andmaking sure the response is as signifi-cant as you can expect. The amount thatyou lower the LDL actually matters,”said Friedman. �

Lowering the Risk of Stroke

Macular degeneration is a majorcause of blindness in mature

people, but new treatments can reduceits effects for many, says a report inthe Archives of Ophthalmology.

Your risk of having maculardegeneration is greater if a relativehad it, you smoke, have high bloodpressure or are obese. If diagnosedearly, a combination of vitamins andminerals can help (vitamins C, E, betacarotene, zinc and copper).

Also helpful are laser therapy and

anti-VEGF (anti-vascular endothelialgrowth factor). These can help reduceblood vessel leakage in the eyes. Theanti-VEGF usually involves injectionsof the drug avastin in the eye by aretinal specialist. It is not painful, andsometimes just a few injections help agreat deal.

A combination of treatments canreduce the risk of macular degenera-tion by about 34 percent. Researchersestimate that 9 million people currentlyhave the eye disease. �

Macular Degeneration

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When LovelandWas a Farm TownBy Lois Hall

Following the Colorado gold rush,Loveland’s early settlers arrived

in 1859. Many were looking for aplace to settle down and raise fami-lies after making some money frommining in places like Central City.

In 1871 David Barnes bought320 acres at $7 an acre for a wheatfarm. When a railroad companydecided to lay tracks through hisfarm, he deeded 64 acres for a town-site and named it Loveland, after therailroad’s president, WilliamLoveland.

The town grew up around therailroad tracks and depot. At first,some settlers lived in tents. Soon ahotel was built, then a mercantilestore and other business buildings.

In 1884 two of Loveland’s firstsettlers, Frank Bartholf and EdwinAllen, built an opera house, whichserved as the community’s social

center. The first performance at theopera house was a play, “UncleTom’s Cabin.” The local newspaperreported the house was “packedalmost to suffocation.”

In 1898 businessmen formed acommittee to promote locating aGreat Western Sugar factory inLoveland. Local residents viewedthis as an opportunity to make theirtown a major agricultural center andbeet growing area.

A Denver group headed byCharles Boettcher promised to buildthe factory if Loveland residentscould raise $8,000 in cash and guar-antee that at least 3,500 acres wouldbe planted in sugar beets.

The community accepted thechallenge. Farmers signed contractsfor a total of 6,000 acres of beets(more than required), and the townraised the $8,000 cash by auctioningoff the factory’s first 100 pounds ofsugar. One resident paid $325 for

one pound.The opening of the Great

Western Sugar factory in 1891assured the town’s success as afarming center. By the time thefactory closed nearly a century laterin 1985, Loveland had also becomea major tourist center, thanks to its

location on the road to RockyMountain National Park.

It will be interesting to see whatthe future holds. Some peoplepredict that Loveland will continueto grow as a tourist destination.Agriculture is no longer the town’smain industry. �

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Early livery stable in Loveland. Photo Loveland Public Library.

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These German peasants migrated to Russia in the late 18th and early19th century. Failing to find the freedoms which they sought,300,000 migrated from Russia to North America by 1914, manysettling in the Great Plains states. The book deals with the motivesbehind these migrations. Also discussed are the BurlingtonRailroad, its colonizing activities in Nebraska and Colorado in the

years following the Civil War, and the German Russian settlements in Suttonand other Nebraska communities. Many German Russians worked for the Burlington and

followed the route to southwest Nebraska and northwest Kansas. These pioneers are among the bestexamples of the people who built America. The 335 pages are richly illustrated, some in color.

The German Russiansby James Griess

Order the book from Jim Griess, 8707 NW 70th St, Malcolm, NE. 68402 or by email – [email protected]. This special price for seniors who use this ad

is $30.00 which includes sales tax and shipping. Personal checks are accepted. This book makes an excellent gift. To learn more about the book

and the German Russians, go to www.jimgriess.net

WHAT OTHERS ARE SAYING ABOUT THE BOOK:“Your book just arrived and I am thrilled with it! I only wish I could take a few days off of work and sit andread it from cover to cover. I am just so impressed with it-the covers, the photos, and the content.” — LuellaHodson, Osmond, NE.“The book looks absolutely great, the photos are crisp and nice, the information presented so cleanly. You justdid a wonderful job on it.” — Linda Hein, Nebr. State Hist. Soc.“Congratulations! I just finished reading your book and found it most informative and interesting. I came awaywith increased knowledge of European & German history in the 18th & 19th century and greater appreciationfor the difficult life for our ancestors in Russia and those who settled in Nebraska and the Dakotas.”— TomYoungworth“German Russian[s] of either Volga or Black Sea heritage [will] encounter a gold mine of information. Thebook will answer a host of Frequently Asked Questions. Why did the Germans go to Russia in the first place,then immigrate to the Americas a century or so later? What is the difference between the Volga and Black SeaGermans? What was the nature of their religious life? What kind of cultural and economic life did they have inRussia? What were their lives like once they settled in Nebraska? Why did they do well wherever they went?” —Edna Boardman, German Russian Heritage Collection, Fargo.


In northeast Fort Collins is an earlysettlement called de las tres

Colonies—three colonies calledAndersonville, Buckingham and AltaVista. The first adobe house was builtin Andersonville in 1927 and wasdesignated an historical landmark andHispanic Museum.

John and Inez (Rivera) Romerocame to Colorado over 80 yearsago. Romero built a two-roomhouse made of adobe.

As the couple’s seven childrenarrived, he added two more rooms.The ceilings are very low and ithas wood floors. The family andfour generations lived there from1927 to 2001.

The City of Fort Collinsacquired the property and leased itto the Poudre Landmarks

Foundation, which raised $90,000and received a matching grant forconstruction of a museum. TheRomero House Hispanic Museumis at 425 10th Street. Romero Parkand a street are named for thefamily who worked as fieldlaborers for the sugar factory.

Today the museum has earlyphotos of Hispanic pioneers whosettled northern Colorado plusphotos of the Great Western SugarFactory. And there are exhibits ofthe sugar beet industry. Spanishcelebrations are held there or in thenearby park.

Thanks to Betty Aragon-Mitotes for information and thephoto for this article. Arrangementsfor tours can be made by callingher at 416-9376. �

Settler’s Museum

The Romero House Museum is located at 425 10th Street in north-east Fort Collins. Photo courtesy Betty Aragon-Mitotes.

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for our residents is available7 days per week for medical

appointments, errands,and outings

Have you seen our14 vans around town?

ACROSS1. Animas Forks or Hardscrabble9. Hickenlooper’s predecessor12. DEA action13. Wedding participant14. Saddle maker’s tools15. Its capitol is Vientiane16. Return to the skillet19. Venue for “Car Talk,” “Prairie Home

Companion” and “All Things Considered”(abbr.)

20. Girl rock band with “The”21. AAA recommendation22. Hera or Minerva24. Sounds of satisfaction25. Precious stone27. Spanish word for “field” or “flat country,”

this Baca County locale seems well named29. Summer gathering place32. Its plural form is “opera”34. Boss of Chauncey and Melo37. ___ Springs, Clear Creek County town38. Change the decor39. Ft. Lupton neighbor40. Larimer County town east of Loveland41. “___ ___ Grows in Brooklyn,” 1945 fami-

ly drama film43. Creation of A.A. Milne46. Likely48. Orange ___50. West, of films51. With #45 down, Coors Field boss54. Uncooked55. Green ogre created by Dreamworks in

200157. Letterman rival58. Advantage59. Victor Borge and kinsmen60. Tijuana shouts

61. RMNP founder and naturalist, ___ Mills62. Unsightly mess

DOWN1. Largest natural body of water in Colorado2. Right fielder for #51 across3. Familiar sight in Garfield County4. Student activist group of the 60s5. Rockies’ infielder, familiarly6. Missouri Indian tribe or river7. Nocturnal raptor sound8. Robert Stack portrayed him on TV while

Kevin Costner did the honors on film10. Calm area in a hurricane11. Larimer County community named for a

railroad engineer and surveyor16. Country music’s McEntire17. Frozen fruit juice mixture or liqueur served

over shaved ice18. Amen!20. Homophone of #25 across23. County named for a Central City mining

lawyer26. Jazz’s Diana who’s married to Elvis Costello27. Bite down hard28. “___ ___ less” (nearly so)29. Mountain man and trapper in early

Colorado30. Poet’s tribute31. Cubs on the scoreboard33. Airline servicing Denver35. Town near the Kansas line named for

Indian tribe36. Owens’ follower42. Estrada of TV’s CHIPS, for one44. Calendar page, briefly45. See #51 across46. Mornings, briefly47. Matchless worker?49. Wise people51. Word before “bake” or “shell”52. Horne of music53. Winning margin, sometimes56. Maniac’s beginning58. Years, years and more years

ANSWERS

ColoradoCrosswordsare created exclusivelyfor The Voice by Tony

Donovan, who lives in Loveland.

Colorado CrosswordsBy Tony Donovan


Red Feather Lakes LibraryMay 2, 1 pm, Native American

storytelling and flute playing. May 20, 2pm, computer internet security by aMicrosoft representative. May 22, 2 pm,piano concert by Patricia Burge. May23, all day, used books sale. May 23, 1pm, program by author Eric Jensen.May 30, 2 pm, program by author LindaBell. June 11, golf at Fox Acres. Forinformation, call Sarah, 881-2664.

Fashion ShowMay 12, noon, Fashion Trends

presented by Macy’s of Centerra, at St.

Michael’s Depot Events Center inGreeley, 3050 67th Avenue, sponsoredby the Friends and Newcomers Club.Call Marilyn, 353-2777.

Meeting on Elder AbuseMay 20, 6:30 pm, Fort Collins

Senior Center, 1200 Raintree Drive.Call Elaine, 482-9193.________________Editor’s Note: Send announcements toThe Voice at least one month beforeevents occur, because we publishmonthly. Email [email protected]. �

Local Events and Exhibits

Notes from ReadersI picked up the Senior Voice in

Cheyenne and have found it to be veryinteresting. The historical articles areespecially good. Thank you for a first-rate local newspaper.

Ellen RechCheyenne

I missed an issue and wonderedwhere I can pick up three of them. Isend them to my kids in Illinois andCalifornia. When I send it to Illinois,my daughter’s boss asks when she will

get another one. They really enjoy it.Damaris Miller

Fort Collins

My family and I look forward toreading the Voice every month. Thankyou.

Dotti OrazemFort Collins

________________Editor’s Note: Current and recentissues of The Voice are also on theInternet: theseniorvoice.net. �

SeniorSeniorityWednesday is your day! We’re opening our doors an hour early just for you. Not only can you beat the crowds, but we’ll have Personal Shopping Assistants and Geek Squad® Agents available to answer any of your questions and help you find exactly what you’re looking for. So stop in early on Wednesdays and enjoy a shopping experience designed just for you.

Senior Wednesdays areonly available at these Best Buy locations:

4210 Centerplace DrGreeley, 8:00 am

4040 S College AveFort Collins , 8:00 am

6075 Sky Pond DrLoveland, 8:00 am

37341 © 2008 Best Buy

1525 Riverside, Suite-BFort Collins

Governor’s FarmApartments

701 6th Street • Windsor, CO • (970) 352-5860

Governor’s Farm is located in a pleasant ruralcommunity, offers affordable rent, one-bedroom

ground level apartments, laundry facility, freemaintenance and small pets are welcome.

USDA-RDEqual Housing

Opportunity

Designed for people 62 years of ageand older, or disabled.

Letters To The Senior Voice1471 Front 9 DriveFort Collins, CO 80525E-MAIL: [email protected]


By Mary Bucy Ricketson

The taxi driver looked surprised.“Did you say Fall City?”The lady nodded.“But, Ma’am, there’s no one there

now. It’s a ghost town.”She nodded again. She could not

tell this young man that in her heart itwas still alive.

“Those old mountain roads,Ma’am. No one goes there anymore,”said the driver.

“Yes,” she said and smiled,remembering the buckboard on theday of her wedding, John lashing theteam through the foaming creekwater, up past Dead Man’s Point.

The driver saw her smile andlooked at her as though judging thestamina of her years.

“All right,” he said, shaking hishead. “Let’s go.”

The taxi moved forward.“Thank goodness he’s not a talka-

tive young man,” she thought. “Hethinks I’m crazy, but I’m going back.After all these years, I’m going back.”

The thought sang inside her.A few hours later, she climbed

from the taxi to view the valley shehad first seen as a bride.

She stood and breathed deeply,feeling the sweep of the high, cleanair. Mountain peaks she had knownby name peered back at her.

“Fifty years,” they seemed to say.“Why, that was yesterday.”

Small puffs of white clouds wereforming over Great Eagle Peak. Shehad the impulse to climb back into thecab and go away. But she could not.The tendrils of time had woven this trip.

“I shouldn’t be long,” she told thedriver.

“Yes, Ma’am, be careful.”“I’ll be fine,” she assured him.She said it again, aloud to herself,

when she stood in the deserted street.The climb had left her breathless,

her heart pounding. But the words shehad spoken reassured her. She listenedas they echoed through the emptiness.

Then she spoke again.“John,” she said softly. She

waited.She walked slowly along the

rotting board walk, tangled weedsclutching her skirt.

She grasped the rusted spikes of theiron fence enclosing the church wherethey had buried their first born.

It Was a Place in the Heart

School at the old mining town of Gold Hill above Boulder. Colorado Historical Society.Surely the grief would come back

as sharp and clear as it had so manytimes since that cold December day.

But there was only a sadness.She turned at the church, roofless

now with a small pine growing wherethe pulpit had once stood. There wasthe spot where their Susan had beenbaptized, smiling up at the minister.

She must hurry and find the house.But she found only the place

where it had been, a small mound ofcrumbling boards and the large flatstone they had used for a front step.

She sat down on the stone, remem-bering the long summer eveningswhen she and John and Susan had satthere, hearing the roar of the falls andthe rush of Sawmill Creek, watchingthe moon between the mountains.

John would tell stories to Susan andcarve their names deeper into the stone.

“They’ll last forever,” he had said.She signed and smiled, rubbing

her hand over the stone’s surface,brushing away pine needles.

Then she found the names. Mary.John. Susan. She sat running herfingers over the letters, retracing thelines John had made.

A mining town, treeless then, rawand unpainted, mushrooming intobeing for a few short years, not reallybuilt to last.

Men like John had lived and diedhere, wrestling a stubborn earth fortreasure it would not surrender easily.

She looked around. It was almostan ugly place now. But was it everbeautiful?

“Or was it only in my heart, sowarmed by love and happiness?” shethought.

With the happiest years, memoriescut deep and attach themselves tothings, perhaps to things that never

really existed—except in the heart.She would not have time to climb

the hill to the cemetery, but Johnwould understand.

She touched the stone one lasttime and rose. �

w w w . K i r k E y e C e n t e r . c o m

C a t a r a c t S u r g e r y

3650 East 15th StreetLoveland, Colorado

669-1107

John D. Kirk, MD, FACS & John W. Colvin, OD

Jim Berdinner used to fish, hunt andtravel, but now he and his wife of 61

years stay close to home.

Cataracts began to be an irritation, so hisoptometrist, Dr. Lee, recommended Jim seeDr. Kirk for cataract removal and thenewest multifocal intraocular lens implants.“Dr. Kirk did an excellent job. Now myvision is so clear, I can read my bible andhymn book without my glasses.”

Don’t let cataracts keep you from seeing thebest that life has to offer. Kirk Eye Center— the region’s premier eye care provider.

“My cataract procedureat Kirk Eye Centermakes reading apleasure again.”

— Jim BerdinnerLoveland


Hospital PatientsNearly one of every 10 hospital

patients gets an infection or issubject to a mistake, according to theJoint Commission that accreditshospitals.

Another agency, the Institute ofMedicine, says at some hospitals apatient is subject to one medicationerror per day on average.

How can you avoid problems whenyou are hospitalized? Be an activepatient, say researchers, not a passivepatient who assumes doctors and staffalways do things right. Here aresuggestions from the federal Agencyfor Healthcare Research and Quality:

Ask what medicines you’regetting and what they are for, espe-cially if a medicine is changed; thiswill remind staff to double check. Besure the staff checks the bar code onyour wrist band or checks your namewhen they give you medicine, toavoid being given the wrong medi-cine or dose.

Try to have a friend or familymember with you all the time ifpossible, especially if you are too sick

to ask questions. Many errors havebeen avoided by a family membersaying something like, “Will youcheck that with the doctor?” This canavoid miscommunication.

Ask everyone who enters yourroom if they have washed their handsif you don’t see them do it before theytouch you—including doctors. Itseems obvious that they would, butstudies show that half of hospital staffand doctors do not. And that’s howsome deadly infections are passed.

If you are going to have surgery,be sure the limb or cutting site onyour body is marked. And ask abouttreatment to avoid blood clots aftersurgery.

Tell the doctors of any herbalsupplements and other medicines youtake; some supplements cause nega-tive reactions with medicines.

Many patients are reluctant toquestion doctors, but they should notbe, say advocates. If the doctor isarrogant or ignores your questions,you should consider changingdoctors. �

Fewer Docs Accept MedicareThe number of doctors who do not

accept Medicare patients isincreasing rapidly, according to theAmerican College of Physicians andother groups.

Doctors do not like Medicarebecause, they say, reimbursements aretoo low and government paperworktoo time consuming. One survey ofMedicare participants found that 30percent of them had difficulty findinga primary care doctor who wouldaccept Medicare. That was up from 24percent a year earlier.

In Texas only 38 percent of theprimary care doctors accept Medicare,according to a survey by the TexasMedical Association.

One option some retirees use is anurgent care center. Most of the 18,000walk-in care centers across thecountry accept Medicare patients. Butyou might have trouble seeing thesame doctor to get consistent care.

One woman in Tucson, Arizona,recently made many phone calls andcould not find an internist who wouldaccept Medicare. �

Do Ionic Air Cleaners Work?Do ionic air purifiers really clean

the air in your house?No, say some researchers. In

fact, ionic purifiers release ozonethat is a pollutant and potentiallyharmful, says University ofLouisville researcher Dr. JamesSublett.

He is a fellow at the AmericanCollege of Allergy, Asthma andImmunology (ACAAI). He was co-chair of the 2007 ACAAI HealthyIndoor Environment conference.

He told the Los Angeles Times

that allergists “generally don’trecommend” ionic purifiers. Withoutfans, they cannot collect airborneparticles; they don’t remove dust,dander and other irritants from theair. The ozone they emit “is a pollu-tant and an irritant. Even smallamounts are too much,” he said.

California has banned someozone creating devices. Instead ofusing them, Sublett recommendsinstalling a simple high-quality airfilter (HEPA) on your heating orcooling system. �

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Laughter Is the Best MedicineAman got into a cab, and the driver

said, “You’re timing is perfect.This is the last cab by here tonight.You’re like Frank.”

“Who?” asked the rider.“Frank Feldman. He did every-

thing right, and he was perfect.”“No one is perfect.”“Frank was. He was a great

athlete, could have been a profes-sional golfer and tennis player. Hesang like an opera baritone, dancedlike a Broadway star, and you shouldhave heard him play the piano. Heknew exactly how to make a womanfeel good, and he never made amistake in his life.”

“Wow, what a guy! How did youmeet him?”

“I never met him. He died, and Imarried his widow.”

A man hated his wife and decidedto hire an assassin to get rid of her sohe could collect on her life insurance.

He met with a famous criminalnamed Artie, who said, “I charge$5,000 for a job like that.”

The man opened his wallet, whichhad only a one-dollar bill in it, and hesaid, “That’s all I have. You’ll have towait until I collect the insurance to getthe rest.”

Artie took the dollar and laterfollowed the wife to the supermarket.When he thought she was alone in thevegetable department, he beganchoking her.

A store employee saw what washappening and went after the crim-inal, but Artie tried to choke him too.The police caught the criminal, helater confessed and revealed thewhole story.

The newspaper headline read:“Artie chokes two for a dollar at localsupermarket.”

A farmer was taking a load ofmanure to a field for fertilizer whenhis tractor broke down next to amental hospital.

A patient came out and asked thefarmer, “What’s in the trailer?”

“Manure for my strawberries.”“Gee,” said the patient, “at this

place, they put whipped cream on ourstrawberries.”

These are actual comments made incourtrooms:Attorney: What was the first thingyour husband said to you thatmorning? Witness: He said, “Where am I,Cathy?”Attorney: And why did that upsetyou?Witness: My name is Susan! Attorney: What gear were you in atthe moment of the impact?

Witness: Gucci sweats and Reeboks. Attorney: Can you describe the indi-vidual?Witness: He was about mediumheight and had a beard.Attorney: Was this a male or afemale? Witness: Unless the circus was intown, I’m going with male.

Attorney: Doctor, how many of yourautopsies have you performed ondead people?Witness: All of them. The live onesput up too much of a fight. �

• In 1932 I found a job that paid ten cents an hour as a pilot in a dairybarn. The farmer handed me a shovel and said, “Pile it!”• Fancy clothes worn by women in Paris are just French dressing.• Dogs have a better sense of smell than humans. They’re welcome to it.�

ByGaylordMorrison

MORRISON’SMEDITATIONS

Colorado has had a 65% increase in residents over age 50 in the pastfew years — the largest increase in the nation. (U.S. Census Bureau)

The Senior Voice has served all of Northern Colorado

and Southern Wyoming since 1980.The only locally owned senior publication in the area.

The BoomersHave Arrived!

FORT COLLINS/GREELEY (970) 229-9204 • LOVELAND/ESTES PARK (970) 482-8344


I n times like these, it pays to know what your options are.

Maybe you had plans to sell your house, move to a senior community and start getting more out of life. What now? Do you have to put your life on hold? Not an easy decision. Perhaps it’s time to give the Good Samaritan Society – Communities of Northern Colorado a call. We’ve helped seniors weather storms like this for more than 85 years. We’ll be happy to help you understand your options, at no cost or obligation. Getting good advice can make all the difference.

For more information or to find a community near you, call 1-888-877-1058.

Estes Park | Fort Collins | Greeley | Longmont | Loveland | Simla | Water Valley

the senior voice - may 2009

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