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Ghost Town
In NorthernColorado
LongsPeak 
PioneerClimbers
Outlaws
In EarlyColorado
Skiing
SteamboatSprings
 
Ghost Town
PoudreCanyon
Bear Attack 
MountainManHugh Glass
FirstSettlers
GreeleyIn the 1800s
CoverPicture:MountainLion
See page 3
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The Senior
May 2009
Local Attractions • Scenic Places • History • Money • Health • News
 
2• May 2009 • The Senior Voice
 By Ron Rutz, Attorney Legal Correspondent 
Q: Now that I have lost two-thirds of my 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 if you 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 to jettison 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 of their 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 Redwing Road, Suite 180, Fort Collins, CO80526; phone 223-8388; emailrutz@ronaldrutz.com.
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Estate PlanningInformation
H
ealth insurance companies chargewomen much higher premiumsfor 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 careand 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.
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Women’s Insurance Higher
 
The Senior Voice • May 2009 • 3
 Published Locally Since 1980
 VOL. 29, NO. 6
970-229-9204Lambdin@frii.comtheseniorvoice.net
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The Senior Voice 
newspaper has beenpublished locally the first of each monthsince 1980 for residents age 50-plus.
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© Copyright 2009
The Senior Voice 
EDITORIAL OFFICE:
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No material may be reproduced by any means without permission of the publisher.
Dr. William Lambdin, Publisher 
By Bill Lambdin
C
olorado and Wyoming have manyghost towns that are fun todiscover 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 of miners 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 of the valley, you can hear the cries of  joy and sorrow that once echoedthrough this place.________________
COVER PICTURE: A mountain lion,taken by professional photographer Andy Marquez. He has a photo art gallery at Cherry Creek North in Denver, 2445 E. 3rd Avenue, Unit 3. His gallery was named the “Best Gallery” in Denver in a Channel 7 television poll. He is celebrating 25 years 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 from Heaven”; “Last Signs of theFrontier”; “Dreams That Last Forever”; “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. Emailinfo@andymarquez.com. See hiswebsite at andymarquez.com or call303-797-6040.
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Poudre Canyon Ghost Town
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