Ghost

Town
In Northern
Colorado
Longs
Peak
Pioneer
Climbers
Outlaws
In Early
Colorado
Skiing
Steamboat
Springs
The
Tetons
Mountain
Settlers in
Jackson Hole
Fort
Collins
First Soldiers
at the Fort
Butch
Cassidy
In Early
Wyoming
Estate
Planning
Health &
News
V
O
I
C
E
The Senior
Oc t o be r 2007
Local Attractions • Scenic Places • History • Money • Health • News
M
edicare will no longer pay hospi-
tals for “preventable errors” such
as treating staph infections acquired at
the hospital, leaving an object inside a
patient during surgery, giving the wrong
blood during transfusions, and
numerous other procedures required to
treat mistakes made at hospitals.
Medicare official Herb B. Kuhn
said, “If a patient goes into the hospital
with pneumonia, we don’t want them to
leave with a broken arm.” He believes
Medicare can save millions of dollars—
and thousands of lives—by making
hospitals more responsive to patient
safety.
Patient advocates agree with the
new guidelines that, they say, simply
require hospitals to do what they
should be doing anyway—like control-
ling bedsores or pressure ulcers,
avoiding patient injuries from falls,
and avoiding infections caused by
extended use of catheters in blood
vessels.
Hospitals agree, to a point, but say
more tests will be required when
patients are admitted to determine what
problems they already had; so the
hospital isn’t blamed for something
patients came with. The change might,
in some cases, prompt unnecessary tests
and cause hospitals to become overly
defensive, making some things incon-
venient for both patients and family
members.
Analysts say it’s likely that other
insurance companies will follow
Medicare’s lead and also refuse to pay
for preventable errors—what Medicare
officials call “conditions that could
reasonably have been prevented.”
Medicare spends more than $400
billion a year on care for people over age
65. The U.S. Centers for Disease Control
and Prevention estimates that hospital
patients develop 1.7 million infections a
year and that those infections result in
nearly 100,000 deaths a year—nearly
300 a day.
“Hundreds of thousands of people
suffer needlessly from preventable
hospital infections and medical errors
every year,” Consumers Union executive
Lisa McGiffert told the New York
Times. “Medicare is using its clout to
improve care and keep patients safe. It’s
forcing hospitals to face this problem in
a way they never have before.” I
Medicare
Changes
Hospital
Payments
2 • October 2007 • The Senior Voice
The Senior Voice • October 2007 • 3
V
O
I
C
E
The Senior
Published Locally Since 1980
VOL. 27, NO. 11
www.theseniorvoice.net
PUBLICATION INFORMATION
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Dr. William Lambdin, Publisher
By Bill Lambdin
I
f you want a good book on
Jackson Hole and the Grand
Tetons in western Wyoming, get
Candy Moulton’s “Legacy of the
Tetons.”
Some of her husband’s family
were pioneers in that area, and she
has unusual first-hand research from
early interviews with settlers’ fami-
lies. The book also covers explorers
and mountain men like John Colter,
who discovered what later became
Yellowstone National Park and
Grand Teton National Park.
The area was named for David
E. Jackson, probably the first white
man in the region and a trapper with
the Rocky Mountain Fur Company
in the early 1800s. He came west
with famous mountain men Jim
Bridger, Jedediah Smith and
William Sublette.
In the 1870s, numerous horse
thieves operated in the area, and one
named Harvey Gleason was said to
have shot several lawmen who tried
to capture him in Jackson Hole. The
place was so remote and wild that
few settlers ventured into it until the
late 1800s.
One of those settlers was
Thomas A. Moulton, an early rela-
tive of Candy Moulton’s husband.
Thomas’s family had come west in
1856 with the famous Willie
Handcart Company, a group of
Mormons who headed for Salt Lake
City and lost several of their
members in a winter storm in
western Wyoming:
“…they camped in the willows
along the Sweetwater River,” said
Candy. “That night 18 inches of
snow fell, scattering the last starving
draft animals in the storm. Dawn
broke with five fewer people to
struggle on. The ground was hard-
frozen, so digging graves was an
impossible task. Instead, they buried
the dead in a snowdrift…”
More than 60 members of that
group died before reaching Salt
Lake City. The Moulton family
survived and later became pioneer
settlers in Jackson Hole. Candy
gives extensive information about
them and other settlers.
The book offers a unique look at
the trials and triumphs of pioneer
life. The Moulton family barn still
stands in the beautiful valley below
the Teton mountains, and photo-
graphs of it have circulated
worldwide. In fact, the most popular
photograph bought by tourists today
in Jackson shows the barn below the
mountains.
The federal government bought
out the Moulton homestead and
other farms when Grand Teton
National Park was created, said
Candy. The National Park Service
was going to let the homestead
buildings decay in accordance with
its policy of returning the land to its
natural state.
But in the 1990s, the Moulton
family obtained permission from the
National Park Service to refurbish
the old barn. That was a major
accomplishment for Candy and her
family, allowing them to save a long
cherished link to their heritage. Soon
other families from pioneers in
Jackson Hole were allowed to do the
same.
This was a reversal of the
National Park Service policy that
previously condemned historic
buildings to destruction. Now many
of those pioneer structures can be
saved.
Much of the credit for that
change goes to Candy Moulton.
While writing this book, she worked
tirelessly with various state and
federal agencies to get historic
designations and save structures in
Jackson Hole.
Her 186-page book with photos
is available for $18.95 from the
University of New Mexico
Press, www.unmpress.com (email
unmpress@unm.edu); 1312 Base-
hart Rd. SE, Albuquerque, NM
87106.
Candy Moulton has written
several other books on the history of
Wyoming, Colorado, Nebraska and
other areas.
________________
COVER PICTURE: The Moulton
family barn below the Teton
Mountains. Courtesy of Candy
Moulton. I
Jackson Hole Pioneers
The Moulton family barn. Mountains above were obscured by a snowstorm when photo was taken.
From the book “Legacy of the Tetons.” Photo by Olie Riniker.
4 • October 2007 • The Senior Voice
First Soldiers at Fort Collins
EDITOR’S NOTE: This story was
written recently for The Senior Voice
by Laird Crocker, whose great
grandfather was with the first army
troops who came to Fort Collins.
By Laird Crocker
M
y great grandfather, Henry
Brandley, immigrated from
Switzerland with his parents in 1850
at the age of 12.
The family lived for some years in
Ohio and later in Indiana. After
becoming an adult, Henry and his two
brothers homesteaded in Chase
County, Kansas, which was just being
organized.
At the outbreak of the Civil War,
Henry walked 30 miles to Emporia,
Kansas, to enlist with the Lyon
County troops, which later, by consol-
idation, became Company B of the
9th Kansas Cavalry.
On June 1, 1862, the 9th Kansas
Cavalry started to Utah by way of
Fort Laramie, Wyoming, as an escort
for General Harding, who was sched-
uled to be the replacement for
Brigham Young as governor of Utah.
Needless to say, this never
happened for reasons not clear to me.
Probably Brigham Young was too
entrenched as leader of the Mormons
to be displaced by a mere U.S.
Government appointee.
From Fort Laramie, Gen. Harding
proceeded to Salt Lake City by stage-
coach and the 9th Kansas Cavalry was
sent to garrison the new post named
Camp Collins, along the Poudre River
about six miles northwest of what is
now the city of Fort Collins.
The Kansans, including Lt. Henry
Brandley, were assigned to protect the
emigrant trails west to Salt Lake City
and California, and to construct log
stables and prepare living quarters at
Camp Collins by moving together
existing houses that had been deserted
by their previous owners.
Although the troops were origi-
nally told to prepare quarters at Camp
Collins for winter, they were actually
stationed there for about three and a
half months before being relieved by
troops from the Colorado volunteers
commanded by Captain Hardy.
The Kansans were then ordered to
proceed to Fort Halleck, 131 miles
farther northwest on the Overland
Trail west of what later became
Henry Brandley in the 1800s.
Laramie, Wyoming. Soon after the
Kansans arrived at Fort Halleck, a
band of Ute Indians drove off some of
the horses at the fort.
Lt. Brandley led a detail hoping to
recover the stolen stock. In a skirmish
with the Indians near Elk Mountain,
the lieutenant was shot in the left arm
and shoulder by an Indian hiding in
the brush and was unable to continue
with the chase.
Later, other troops led by Capt.
Asaph Allen, left Fort Halleck and
continued the chase. By this time, the
Indians were far ahead and the stock
was not recovered.
Lt. Brandley and Company B of
the Kansas Cavalry were at Fort
Halleck for about 11 months and then
were ordered to Fort Leavenworth,
Kansas, after the Quantrell raid,
arriving at Fort Leavenworth in
November, 1863.
Lt. Brandley was in charge of
Company B in Kansas City and later
was promoted to captain and sent to
Brownsville, Arkansas, where he was
in command of the post there until he
was mustered out of the service in
August, 1866.
He returned to his claim in Chase
County, Kansas, where he became a
successful business man and eventu-
ally married and raised a family of
eight children, one of whom was my
grandmother, Mrs. Edward G. Crocker.
________________
Laird Crocker is retired from the
U.S. Bureau of Mines and lives in
Fort Collins; email him at
lcronoco@frii.com. I
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The Senior Voice • October 2007 • 5
Loveland Pioneer
Editor’s Note: Lena Barnes was
the daughter of Loveland pioneer
David Barnes, and she wrote
about the town’s origin years ago.
By Lena Barnes
I
t was 1870 when my father,
David Barnes, purchased 320
acres from the railroad company
on the bluff north of the Big
Thompson River.
We were living in Golden at
that time. So in 1873 we moved up
here, then a bleak prairie, nothing
in sight but prairie dogs,
rattlesnakes and hoot owls.
We commenced in earnest to
farm, plowing and fencing and
sowing our 320 acres. In 1873 we
had one of the most beautiful
fields of wheat, oats and buck-
wheat I have ever seen.
Then the grasshoppers came
from Kansas in such hordes that
the air was so full of them that we
couldn’t see the sun all day. By
that night, our beautiful field was
as bare as the road.
The grasshoppers laid their
eggs, and when the crop came up
the next spring, the young hoppers
took that also—so we planted
three crops before we realized any
profit from the farm.
We had to haul our grain to
Longmont by team because there
was a mill there. In the spring of
1877, the Colorado Central
Railroad decided to put a line
through to Fort Collins.
We were all very happy. They
found their best grade would be
through our wheat field.
Father gave the railroad the
right of way. They commenced
that fall to lay out a town
(Loveland), and in the spring of
1878 building commenced in
earnest, father giving every other
block to the railroad company.
Mrs. Blinn built a boarding
house south of 4th Street. Mrs.
Hopkins built a boarding house,
and Dr. Taylor had a drug store
next to Mrs. Hopkins.
After the town was laid out,
father went down on the Platte
River and had two car loads of
cottonwood trees sent up and set
them around each block. Some of
them happened to be the cotton-
bearing trees, and some people
today are making a fuss about
them, and having them chopped
down.
If they are considered a
nuisance now, they were a
Godsend then. They were all the
shade we had. I
Loveland pioneer David Barnes. Loveland Public Library.
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6 • October 2007 • The Senior Voice
By Peggy Hunt
H
orace Greeley, for whom the
town of Greeley was named, was
a keen observer of early Colorado.
He was here in 1859 during the
gold rush and wrote several articles
about Colorado as editor of the New
York Tribune. He was then one of
America’s most influential journal-
ists.
He said of the area around
Greeley:
“Farming in the right localities at
the base of these mountains, even
with the help of irrigation, will
yield...richer rewards than elsewhere
on earth. Everything that can be
grown here will command treble or
quadruple prices for years (by selling
to gold miners).
“The cottonwoods...grow large
and stately, some of them 60 to 70 feet
high...There seems to be as rich and
deep soil in some of the creek
bottoms, especially those of the South
Platte, as almost anywhere.”
Greeley also commented on the
buffalo herds that roamed the plains
of what later became Weld County:
“While a stray buffalo, or two or
three, may linger in some lonely
valley for months...the great herds
which blacken the earth for miles
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“They are so immensely numerous
and find their safety in traveling so
compactly that they must keep
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possible the wooded ravines of the
slender watercourses, where experi-
ence has taught them to dread the
lance-like arrow of the lurking Indian,
they keep to the high divides or only
feed in the valleys...
“I cannot but regard with sadness
the inevitable and not distant fate of
these noble and harmless brutes...
continually hunted, slaughtered, deci-
mated by the wolf, the Indian, the
The town of Greeley’s namesake, Horace Greeley.
Hazel Johnson Collection.
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white man.
“They could have stood their
ground against all in the absence of
firearms, but villainous (guns are) too
much for them. They are bound to
perish.”
Greeley was right. Within a few
years after his visit to Colorado, the
great buffalo herds, once numbering
in the millions, had been wiped out.
He was also right about the
prospects for farming in the area.
After the town of Greeley was settled
in 1870, Weld County became one of
the richest agricultural regions in the
entire United States. I
The Senior Voice • October 2007 • 7
PERA Should Not
Help Terrorists
By Scott Renfroe
Colorado State Senator
S
everal states are currently consid-
ering legislation requiring their
public pension funds to divest of all
holdings in companies doing business
with Iran. Colorado should follow
suit. Colorado’s Public Employees
Retirement Association (PERA) must
take a hard look at where they are
investing their dollars. They should
not be investing in companies that
bolster the economy of nations dedi-
cated to the annihilation of the United
States.
In a report from August 2004, the
Center for Security Policy—a non-
partisan, non-profit, national security
think-tank—stated that PERA invests
over $2.8 billion in 112 companies with
ties to such terrorist-sponsoring nations
as Iran, North Korea, Syria, and the
Sudan. This accounts for roughly 18%
of the fund’s total holdings. Clearly this
is not an insignificant sum.
No less than 14 other states have
initiated similar anti-Iran divestment
campaigns. In Florida, freshman
Republican Gov. Charlie Crist signed
the first Iran-divestment bill into law
earlier this month
Pending legislation in some states
calls only for a divestment in compa-
nies dealing with the energy sector in
Iran, but to truly have a serious effect,
all companies that do business with
Iran should be targeted and eliminated
from Colorado’s public pension funds.
The California Assembly unani-
mously passed legislation obligating
the state’s two gigantic pension funds
to divest their Iran-related assets.
These funds are estimated to have
over $30 billion invested in compa-
nies that deal with terrorist-promoting
countries
Other divestment campaigns have
proven their effectiveness in the past.
Two decades ago, a similar type of
public-sector divestment dealt a crit-
ical blow to the apartheid regime in
South Africa. The campaign also
demonstrated that pension funds can
absorb the targeted companies that
conduct business in Iran and other
terrorist-sponsoring nations.
This issue is bigger than a political
party and it is more important than
investment yields. Although the rate-of-
return of public pensions should be an
uppermost priority to lawmakers, there
is a more fundamental issue at hand.
Missouri Treasurer Sarah
Steelman, an early vocal proponent of
divestment, says she has proof that
fund performance doesn’t suffer.
According to a report in the Wall
Street Journal, Steelman unveiled a
“terror-free” fund a year ago to benefit
cultural activities. In the first eight
months of existence, the fund yielded
a 27 percent return. Steelman has
contacted all 49 other state treasurers
to discuss divestment.
PERA beneficiaries should not be
forced into choosing between a secure
retirement fund or investing in a
terrorist regime. PERA should be able
to invest shrewdly, with the interests
of its beneficiaries in mind, and
conscientiously, with the interests of
our nation in mind.
________________
You can call Sen. Renfroe in Greeley,
970-356-8449, email swrenfroe@
aol.com. I
Bismarck, N.D., April 26, 2007 – Kevin Dunnigan,
CERTIFIED FINANCIAL PLANNER
TM
Professional
with Investment Centers of America, Inc. (ICA)
was named the company’s top individual
representative in the United States for 2006 at
their National Education Conference. This is the
21st consecutive time that Dunnigan has
achieved this honor.
Kevin Dunnigan’s office is located at Home State
Bank in Loveland at 300 East 29th Street. Kevin can
be reached:
Phone ~ 622-2366
e-mail ~ Kevin.dunnigan@investmentcenters.com
website ~ www.helpwithmyinvestments.com
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CERTIFIED FINANCIAL PLANNER
TM
Professional
Investment Centers of America, Inc. (ICA) member NASD, SIPC is not affiliated with Home State Bank. Securities
and insurance products offered through ICA and affiliated insurance agencies are not insured by the FDIC
or any other Federal Government agency; not a deposit or other obligation of, or guaranteed by
any bank or their affiliates; and are subject to risks including loss of principal amount invested.
8 • October 2007 • The Senior Voice
By Scott Burns
Financial Writer
Q: I am retired and have lived in
my home for 30 years. When I
decide to sell it, the tax exclusion
would be $250,000. The estimated
selling price would be about
$550,000. From what I under-
stand, Congress eliminated the
one-time, tax-free sale of a home in
1997. I’m hoping you will tell me I
am wrong.
A: The old laws for the taxation
of gains in residential real estate
allowed two things. First, you
could roll over all gains to another
property of the same or greater
cost tax-free. Or you could have a
one-time exclusion of $125,000 if
you were 55 or older.
The law was changed in 1997
to allow an unlimited number of
$250,000 gains for a single return,
tax-free and without any age
limits. Those filing joint returns
could realize $500,000 in gains,
tax-free. The only requirement is
that you must have lived in the
house as your primary residence in
two of the preceding five years.
As a consequence, you will pay
less in taxes, not more, when you
sell your home.
Under the revised laws you’ll
have the same cost basis plus a
$250,000 exclusion, leaving only
$143,000 subject to capital gains
taxes (currently 15 percent). The
taxes you will pay will be at least
$18,750 lower than they would
have been under the old law.
You should also know that
some of that gain came from the
tax reduction itself. Making gains
on homeownership virtually tax-
free for most Americans increased
the value of owning a home rela-
tive to other assets. This effect is
called “tax-capitalization”—
reflecting the fact that an asset
with low taxes will be worth more
than an asset with high taxes.
Bottom line: You should thank
your senators and representative.
While they were busy creating a
capital gain on your house and
lowering the tax you’ll pay on it,
they were preparing to do really
nasty things to the young.
In the process of buying your
vote with a prescription drug plan
in 2003, for instance, they added
$8 trillion in new unfunded liabili-
ties to federal commitments, all to
be paid for by taxes on the young.
Many of those young people will
never be able to afford a home.
Q: Would you discuss ways to
reduce the tax liability caused by
the required minimum distribution
(RMD) from an IRA? The tax due
on the distribution itself cannot be
avoided, but the kind and amount
of taxable earnings outside of the
IRA will increase the taxing effect
of the RMD.
A: The RMD could cause a
portion (as much as 85 percent) of
your Social Security benefits to
become taxable. This could create
a high marginal tax rate. I suggest
a visit to a CPA to explore options
such as a major Roth conversion
or creating a charitable gift fund.
I
Money Questions
New Medicaid Regulation
A
n obscure, new federal regula-
tion could cause some
Medicaid (not Medicare) patients
to have trouble getting prescription
drugs they need.
The rule says doctors must
write Medicaid prescriptions on
“tamper-resistant paper” to prevent
forgery (like paper used for bank
checks). This supposedly would
keep people from using fake
prescriptions to obtain illegal
drugs.
But pharmacists are upset
because they won’t be reimbursed
by Medicaid if they fill prescrip-
tions not written on the required
paper.
There is no penalty for doctors
who don’t use the paper, only for
pharmacists—and only for written
prescriptions. Those phoned in or
faxed are not affected.
Pharmacy owner Laird Miller
in Georgia anticipates “a lot of
confusion” and predicts some
prescriptions will not be filled.
Several groups are trying to delay
implementation of the regulation.
I
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The Senior Voice • October 2007 • 9
Information on Estate Planning
By Ron Rutz, Attorney
Legal Correspondent
Q. Both my insurance agent and my
financial advisor refuse to designate
my estate as the beneficiary in my
investments and in my insurance. In
fact my financial advisor questioned
whether you knew what you were
talking about.
A: Let’s review the fundamental
concerns surrounding beneficiary
designations (often referred to as
payable on death (POD) or transfer on
death (TOD)) coming back to the
estate.
In most states, a person’s estate
should not be named as the benefi-
ciary, since it might trigger a
complicated and expensive probate,
increase the amount of fees taken by
the attorney and the personal represen-
tative, or might subject the proceeds to
extra taxation.
None of those problems should be
of concern in Colorado.
Whereas probate in most states
should be avoided, that is not neces-
sarily the case in Colorado. Probate
here is easy, inexpensive and efficient,
whether an attorney is involved or
not.
Attorneys and personal representa-
tives are not allowed to charge a
percentage fee—only a reasonable
sum for the time expended. Thus, the
funds flowing into the estate would
not increase estate expenses.
In some states, bringing the
proceeds back to the estate might
trigger additional taxes, but that is
not the case in Colorado. An asset
with a beneficiary designation is
already subject to tax exposure, if the
asset was owned by the deceased.
Thus this is yet another example of
estate planning rules applicable in
most states not necessarily applying
to Colorado.
In Colorado we often have
proceeds payable to the estate, despite
the general rule. But why not just
name beneficiaries and have it done
with? Doesn’t that seem more
straightforward than running the sums
through probate?
Often the residuary estate clause
set out in a Will differs from the
various beneficiary designations.
Since the beneficiary recipients take
priority over the Will, the intent of
the deceased may be short circuited if
POD or TOD proceeds flow in direc-
tions that are contrary to the
deceased’s intent as reflected in the
distribution in the Will.
If a beneficiary is not living, it is
often assumed that his or her share
will flow to his or her descendants.
But occasionally in some invest-
ments, the deceased’s share will
revert to any other named benefici-
aries and will not flow down the
family line, unless specifically stated
in the beneficiary designation. Thus
the deceased’s intent is defeated and
a family line is prevented from
receiving its share.
If a beneficiary predeceases, often
a beneficiary wants his or her spouse
to receive that beneficiary’s share
before the children. But writing that
out on the POD or TOD form could
be hard to do. I have run into a
number of situations where there are
only just so many spaces allocated in
the beneficiary designation, and what
is needed to be written exceeds the
available space.
The Will already is set up to
handle all of the foregoing. It acts as
the collecting reservoir for all of the
assets flowing into the estate and sees
to it that the assets are correctly
disbursed the way the deceased
intended.
But even in Colorado, there is at
least one major exception to naming
the estate as the beneficiary. Anything
that is tax deferred should usually
name the spouse, not the estate, so
that an income-tax deferred roll over
of the proceeds into the surviving
spouse’s IRA can be done, thus
avoiding income tax.
Insurance agents and financial
advisors need to understand that an
attorney is the estate quarterback,
who is looking at the big picture and
also the details, in making decisions
so that the overall estate outcome
blends together with asset ownership
and beneficiary designations.
________________
Attorney Ron Rutz will answer
questions sent to 2625 Redwing Road,
#180, Fort Collins, CO 80526, email
rutz@ronaldrutz.com, phone 223-
8388. I
10 • October 2007 • The Senior Voice
They said railroad officials wouldn’t
reveal exactly how much money the
outlaws got, but estimates ranged
from a few thousand to $60,000.
Two days after the robbery, a
sheepherder spotted two or three of
the outlaws in an abandoned cabin
about six miles west of Casper. He
told Sheriff Joe Hazen, who organ-
ized a posse and set out after the
outlaws.
The posse located them but were
turned back by gunfire, and Sheriff
Hazen was killed. The posse
returned to Casper, and another
group was organized to hunt the
outlaws.
That group consisted of several
soldiers, a U.S. marshal, and a well
known man hunter named Joe
LeFors (also mentioned in the
movie). LeFors knew the Hole-in-
the-Wall country northwest of
Casper well, where the Wild Bunch
sometimes hid out.
He thought they were headed in
By Peggy Hunt
I
n 1899 members of Butch
Cassidy’s Wild Bunch robbed a
train southwest of Casper,
Wyoming.
The outlaws blew up a boxcar in
order to get to a safe guarded by a
railroad employee named Woodcock.
They then saw another train
approaching and were told it
contained soldiers. The Wild Bunch
took their money, split up and headed
in several different directions.
That incident was depicted many
years later in the movie “Butch
Cassidy and the Sundance Kid”
starring Paul Newman and Robert
Redford. The movie was historically
accurate about some things, but it
didn’t reveal what actually
happened immediately after that
robbery.
Two Casper newspapers reported
the story, the Natrona County
Tribune and the Wyoming Derrick.
The Wild Bunch
in Early Wyoming
that direction, but a railroad agent in
charge of the posse thought the trail
lead elsewhere and would not follow
LaFors’ advice. LaFors, who was
probably correct, quit the posse and
went back to Casper. As a result, the
posse did not find the outlaws after
searching for nearly three weeks.
A year later, the gang robbed
another train west of Rawlins,
Wyoming, and got away with an
estimated $40,000.
After that robbery, one of the
gang members, Charles Woodard,
shot and killed Casper sheriff
Charley Ricker. The outlaw was
later captured, tried and sentenced to
be hanged.
He was granted a stay of execu-
tion at the last minute, after the
hanging scaffold had already been
built. The people of Casper were
angry because sheriff Ricker had
been very popular.
A vigilante group stormed the
jail in the middle of the night, got
the outlaw, took him to the scaffold
and put a rope around his neck. The
outlaw was wearing nothing but a
flannel shirt. A newspaper reporter
watched the incident and later
wrote:
“All was ready for the springing of
the trap, but none of the men seem-
ingly understood the mechanism…
Being unable to spring the trap,
several strong arms seized the half
nude body and cast it over the rail
surrounding the scaffold. Then ensued
a most horrible sight. On the rope
coming to full tension, every muscle
in the suspended man’s body was
convulsed while a horrible choking
sound emerged from his throat.”
The outlaw slowly choked to
death. The vigilantes then pinned a
note on his shirt that said: “Notice,
process of law is a trifle slow. So
this is the way we have to go.
Murderers and thieves beware.”
That was the first hanging that
took place in Casper, and the
reporter who watched it said he
never wanted to see another one. I
ACasper street in 1890, a few years before Cassidy robbed a train
west of the town. Wyoming History Museum.
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The Senior Voice • October 2007 • 11
R
ecently I took part in a hearing
conducted by the Senate Special
Committee on Aging examining
unscrupulous marketing and sales
tactics used by financial advisors to
mislead retired Americans into
purchasing costly financial instruments.
The information collected at this hearing
will help identify the most effective
policy solutions to protect consumers
who have fallen prey to financial scams.
It will also provide policymakers with a
better understanding of how to improve
education and outreach efforts to retirees
on this matter.
I look forward to working with my
colleagues in this Committee and the
U.S. Senate to address this and a
whole host of other important issues
affecting mature Americans in the
months to come.
Access to affordable and quality
health care is undoubtedly one of the
most important issues currently facing
our nation. That is why last month I
wrote a letter to U.S. Secretary of
Health and Human Services Michael
Leavitt asking that the Centers for
Medicare and Medicaid begin their
certification process so that the Pikes
Peak Regional Hospital can open in
October 2007, as planned, and bring
much-needed services to an under-
served portion of rural Colorado.
The hospital, once opened, will
serve as one of the only providers of
emergency services and medical care
to those living in Teller, Park and
western El Paso and southern Douglas
counties. I intend to continue in the
fight to secure quality, affordable and
accessible health care for all those
who need it and can benefit from it.
________________
You can call Sen. Salazar’s Fort
Collins office at 224-2200. I
By Michael Hollis
Social Security Manager, Greeley
T
he high cost of prescription drugs
can be a burden on people with
limited income. Extra help—avail-
able through Social Security—might
pay part of your monthly Medicare
Part D premiums, annual deductibles
and prescription co-payments.
The help could be worth more than
$3,300 per year. To determine if you
are eligible, Social Security needs to
know your income and the value of
your savings, investments and real
estate (other than the home you live in).
To qualify for extra help, you must
be receiving Medicare and have an
annual income limited to $15,315 for
an individual or $20,535 for a married
couple living together.
If your annual income is higher,
you still might be able to get some
help with monthly premiums, annual
deductibles and prescription co-
payments. Some examples where
income may be higher include: if you
or your spouse receive support from
other family members who live with
you; have earnings from work; or live
in Alaska or Hawaii.
You must also have resources
limited to $11,710 for an individual or
$23,410 for a married couple living
together. Resources include such
things as bank accounts, stocks and
bonds. We do not count your house
and car as resources.
Social Security has an easy-to-use
online application that anyone—family
members, friends and caregivers—can
complete. You can find it at
www.socialsecurity.gov.
To apply by phone or get an appli-
cation, call Social Security at
1-800-772-1213 (TTY 1-800-325-
0778) and ask for the Application for
Help with Medicare Prescription Drug
Plan Costs (SSA-1020). Or go to the
nearest Social Security office.
To learn more about the Medicare
prescription drug plans and
special enrollment periods, visit
www.medicare.gov or call 1-800-
MEDICARE (1-800-633-4227; TTY
1-877-486-2048). I
Legislation
Help With Medicare
Part D Medicines
By
U.S. Senator
Ken Salazar
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and 1.01% APY paid on all amounts above $35,000 each monthly qualifying cycle the minimum
account requirements are met. If you do not meet the minimum requirements during the monthly
qualification cycle, your account will still function as a free checking account earning 1.01% APY on
the full balance; however, ATM fees will not be refunded. To qualify, MasterCard debit card (point
of sale) purchases must post during the qualification cycle. ATM transactions and Online Banking
Bill Pay transactions or other forms of electronic transfers do not count toward MasterCard debit
card (point of sale) purchases. Monthly direct deposit and automatic withdrawal means automated
clearing house (ACH) transactions. Qualification cycle means the period beginning one day prior to
the current statement cycle through one day prior to the close of the current statement cycle. Interest
rate and APY are subject to change after account is opened. Minimum deposit of $100 required
to open this account. No minimum balance required. No monthly service charges. Available for
personal accounts only. APY effective as of date of publication.
12 • October 2007 • The Senior Voice
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ACROSS
1. Eagle County rail intensive town below
Battle Mountain
6. Early Colorado mountain man and guide
12. “So Long,” to Jose’
13. Use ebay, maybe
14. Mrs. Chaplin
15. Tom or Diane
17. Suffix for many ores
18. Tulowitzki of the Rockies
19. Ferrier’s concern
20. Oil controllers
21. Use a Singer
22. Small amount or a Greek letter
23. Ostrich relative
25. Burns out of control
28. Long ___ Reservoir opened in 1930 and
stores water from the Grand Ditch in the
Never Summer Range
30. Wapiti
33. County between Mesa and Gunnison
counties
35. Military tactic in early warfare
36. This river flows 1450 miles from above
Leadville into the Mississippi near Little
Rock, Arkansas
39. Power source for F.O. Stanley and his autos
40. “Let’s make ___ ___”
41. Matsui of the Rockies, familiarly
43. “This shouldn’t be happening!”
44. “___ Opera House” in Leadville
46. Site of the Betty Ford Alpine Gardens
48. O.K. Corral survivor
51. Priestly garb
53. Dress worn in #29 down, perhaps
54. Clapton, for one
55. “It’s a sin to tell ___ ___”
56. Make an inquiry
57. Northern Ohio port city
59. Denver mayor from 1983-1991
60. Very small amount
61. Ached or yearned (for)
62. P.F. Chang side
63. Trap
DOWN
1. Mt. ___ is second only to Mt. Elbert in
Colorado in elevation
2. ___ Springs
3. Indian chief also known as “Left Hand”
4. Mr. Potato Head part
5. Type of tax
6. Robert LeRoy Parker alias
7. Bread or whisky type
8. Measles, to a child
9. This flows through #46 across
10. Plenty, to a poet
11. A first for Kroc or Bradbury
13. You can hike up to this body of water from
Bear Lake Rd. NW of Sprague Lake in
RMNP
16. Weld County site on Hwy. 76 near
Keenesburg
24. Be in debt
26. Foote of the Stanley Cup Champion
Avalanche
27. Lioness in “Born Free”
28. CLXVIII x III = ?
29. Locale’ of a famous mausoleum in India
31. This might be found in earlier homes
behind plaster
32. Town about halfway between Dillon and
Steamboat
34. “...or to take up arms against ___ ___ of
troubles” (Hamlet)
35. Rural skyline feature
37. “Eloise” author Thompson or vocalist Starr
38. ___ Ears Pass
39. Early prairie home material
42. In northern Colorado, it might begin with
8052, 8053 or 8054
45. Play a fish
47. Former Nugget player and coach
49. Colorado Crush play this type of football
50. Successful hitchhiker
51. “Shake ___ ___ (Hurry up!)
52. ___ Lake in Rocky Mountain National
Park
55. Imitate
56. Saddle maker’s tool
58. Conclusion for photo or special
ANSWERS
Colorado
Crosswords
are created exclusively
for The Voice by Tony
Donovan, who lives in Loveland.
Colorado Crosswords
By Tony Donovan
970-484-5566
800-525-5306
516 S. College Ave. • Ft. Collins, CO 80524
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May 26-June 2, 2008. 7 Day Cruise aboard the Coral or Island Princess.
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The Senior Voice • October 2007 • 13
Pioneer Home Remembered
N
ear the little town of Deer Trail
on the plains east of Denver,
there is a historic log house built in
the 1880s by homesteader Joe
Clark.
Later the Brand family bought
the house, and in the 1920s the
Brands’ daughter, Hilda, married A.
Earl Mitchell. The young couple
lived with her parents in the house
the first year of their marriage.
Their first child was Margaret
Marie, who was born in the upstairs
bedroom of the house. In 1939 the
Mitchells moved to Aurora, and three
other daughters and a son were born.
Margaret Mitchell Griffith has
fond memories of visiting Grandma
Annie and Grandpa Val Brand at the
homestead. Hanging in her Fort
Collins home is an oil painting of
the homestead at Deer Trail, painted
by her mother’s sister Loretta Brand
Starr.
The old log house was moved to
Centennial Park in Deer Trail in
1998, where the local historical
society restored it. The floor plan
was interesting.
On the first floor was a kitchen
with a coal stove and a cistern with a
hand pump. On the back porch was
an ice box and cream separator.
During summer months, a screened-
in kitchen was used, especially for
canning. Vegetables were kept in a
root cellar near the back door.
There was no electricity; only
kerosene lamps. In the dining-living
room was a battery-powered radio,
the family’s source of news and
entertainment. The upstairs was one
large bedroom.
Margaret will be writing the
history of the homestead, which will
be placed in the house. She volun-
teered to be a hostess this year at
Centennial Park.
Deer Trail claims to be the home
of the world’s first rodeo, held July
4, 1869. I
Margaret Griffin points
to upstairs room where
she was born.
Where Is The Best
Place to Work?
I
n a recent state wide survey,
Greeley-based New Frontier Bank
was named the fourth best place to
work in Colorado, according to the
Society for Human Resource
Management, which conducted the
survey in cooperation with
ColoradoBiz magazine.
Earlier, a Greeley Tribune news-
paper survey named the bank the best
place to work in Weld County. The
bank conducted its own survey
concerning customer loyalty and
found that over 85 percent of its
customers would recommend the
bank to family and friends, according
to vice president Joe Tennessen.
Bank president Larry Seastrom
said, “We have a group of hard
working people who check their ego
at the front door in favor of team-
work. As a result, amazing things
have been accomplished.”
New Frontier has banks in
Greeley, Windsor and Longmont with
total assets of over $1.7 billion,
according to Tennessen. The bank
was established nine years ago. I
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I NDEPENDENT LI VI NG
F O R S E N I O R S
www.columbinehealth.com
By
Arlene
Ahlbrandt
14 • October 2007 • The Senior Voice
Medicare Payments
I
nsurance companies participating in
Medicare have kept millions of
dollars that should have gone to
Medicare beneficiaries, say investiga-
tors at the U.S. Government
Accountability Office (GAO).
And federal Medicare officials
have made few attempt to recover the
millions, perhaps billions, in overpay-
ments made to the insurance
companies. This includes companies
involved in the Medicare Part D drug
program and companies involved in
Medicare Advantage plans.
Federal law says Medicare offi-
cials are supposed to audit the
insurance companies annually. But
Medicare officials have largely
ignored that requirement, said GAO
investigators.
Instead of going after insurance
companies, Medicare officials have
gone after Medicare beneficiaries who
owe money to insurance companies.
Medicare has sent letters to over
135,000 beneficiaries who, say offi-
cials, owe money to insurance
companies because incorrect Medicare
premium amounts were deducted from
their Social Security checks.
Medicare officials admit that, in
audits they have done, they found
errors in over 20 percent of payments
made to insurance companies.
Medicare pays the companies a total of
over $75 billion a year.
The number of insurance compa-
nies audited by Medicare has
decreased from 24 percent of compa-
nies in 2001 to 14 percent in 2006. The
GAO says the millions of dollars the
companies owe Medicare could be
used to lower premiums for Medicare
beneficiaries or provide additional
benefits to them.
Even when Medicare found errors in
audits, it did not require the insurance
companies to pay back the money, said
the GAO. Medicare officials argue that
they do not have the authority to make
companies repay the money.
GAO investigators say Medicare
does have the authority. Rep. Pete
Stark (D-Calif.) said Medicare is “not
doing its job to protect beneficiaries.”
The GAO reported that Bush
administration officials say that federal
laws requiring audits in such cases do
not apply to Medicare payments made
to the insurance companies. I
Local Events and Exhibits
Red Feather Lakes Library:
• October 2, 9, 16, 23, beginning
quilting class, 1-3 pm.
• October 4, 11, 18, parenting basics
class, 7-8:30 pm.
• October 11, library volunteers work-
shop on “computer comfort,” 10-11
am.
• October 13, teen movie afternoon
“Eragon,” 2-4 pm.
• October 20, writing workshop, 2-
3:30 pm.
• October 26, Halloween story hour for
children in costumes, 10:30-11:30 am.
• October 27, children’s movie,
“Charlotte’s Web,” 2-4 pm.
• October 30 and November 6, 13, 27,
doll making class, 2-3 pm.
• Ongoing events: knit and stitch;
writers’ group; watercolor group. For
information, call 881-2664.
Greeley Libraries:
• Free computer classes throughout
October. For information on these and
other events, call 506-8560.
• October 5, film discussion group on
“Milagro Bean Field War,” Farr
Library, 7 pm.
• October 8, discussion of “The
Chronicles of Narnia,” Centennial
Library, 6:30 pm.
• October 10, bilingual book club
meets, Lincoln Park Library, 7 pm.
• October 16, presentation on Mayan
culture, Farr Library, 6:30 pm.
• October 17, presentation and discus-
sion on the stories of Rudolfo Anaya,
Michener Library, 7 pm.
• October 20, Susan Kaplan presents
multi-cultural stories, Farr Library 1
pm.
• October 22, knitting class, Centennial
Library, 6 pm.
• October 24, discussion of “Bless Me,
Ultima,” Centennial Library, 6:30 pm.
Civil War Discussions:
• The Fort Collins Civil War
Roundtable welcomes the public to
discussions of the role of horses in the
war, presented by Miriam Poole
(October 1); Indian wars, by Robert
Munkres (November 5); and Karl
Marx’s influence on the war, by David
Tavel (December 3). Meetings at the
Presbyterian Church, 400 East
Boardwalk, 1 pm. Call 226-2767.
Climate Change and Conservation:
• The Larimer County Jane Jefferson
Democratic Club presents discussions
and a documentary by people from the
Colorado governor’s office and other
groups, October 13, 8:30 am, the
Cottonwood Club in Fort Collins, call
669-4307. I
Front Range Chamber Players
Our 23rd Season Programs
November 11 – Music of J. S. Bach
Sunday 7 pm
March 2 – French music with
the Boulder Piano Quartet
Sunday 7 pm
April 6 – Beethoven & Brahms
with the Appassionato Quartet
Sunday 7 pm
May 18 – Season Finale with
the American Chamber Ballet
Sunday 7 pm
All Performances at
Trinity Lutheran Church
301 East Stuart
Fort Collins, CO
For information & tickets:
Call 970-493-0707
Ticket prices:
Adults $20
Seniors $15
College Students $5
Visit us online at:
www.fortnet.org/FRCP
The Senior Voice • October 2007 • 15
BRECKENRIDGE
By Sandra Dallas
G
old was discovered at Breckenridge
August 10, 1859, when a party of
prospectors picked Ruben J. Spalding,
an experienced California miner, to
work the first pan of dirt.
He recovered 13 cents worth of
gold. The second pan yielded 27 cents.
Spalding traded his mule for two
sacks of stale flour and 175 feet of
lumber to build long toms. Wrapping
his feet in pieces of saddle blanket,
Spalding worked in ankle-deep water.
The first day netted $10 and a bad cold.
Even luckier was William H. Iliff,
just across the river from Spalding.
He scratched out $7,000 in gold from
a patch 40 feet square.
When Iliff told of his good fortune
in Denver, some 2,000 men stam-
peded into the area. The placer mines
lasted about three years.
By 1868 when Samuel Bowles
visited Breckenridge, it was a settle-
ment of only 20 or 30 cabins, “scarcely
habitable in winter,” Bowles wrote.
By 1885 there were 2,000 resi-
dents, and the townspeople had begun
to replace the log cabins with false-
fronted stores, gingerbread-trimmed
houses and commercial buildings
dripping with carved wooden icing.
One summer evening in 1898 a
tough named Pug Ryan and a gang of
henchmen robbed the patrons of the
hotel. They quickly took the cash
from the barroom till and relieved the
customers of their money and jewelry.
The robbers were tracked to a
cabin, and in a bloody shootout two
members of the gang and two lawmen
were killed.
Ten years after the robbery, school
children on a picnic found part of the
loot, including a watch belonging to
Robert Foote. When Foote heard of the
discovery, he scratched in the dirt until
he found his stolen diamond stickpin.
Breckenridge was wide open.
One evening, when Mrs. Gore was
entertaining a church group, her
daughter answered a knock at the door
to find a drunk who lunged at her,
saying, “I’ll take you, Katy.”
The drunk, new in town, had
asked directions to the whore house
but had been pointed instead to the
Gore house.
Most of the whore houses were
“over the Blue,” across the river to the
west of town. The prostitutes kept to
themselves.
One madam agreed to sell a house
she owned to a family with seven or
eight children. But before the deal was
closed, the husband died of flu. After the
funeral, the madam quietly presented
the deed to the house to the widow.
Helen Rich, a reporter, and Belle
Turnbull, a school teacher, moved to
Breckenridge in 1938. They had a
passion for the high mountains and
the mountain folk, a love that shone
through in their writings as they
rejected the romantic and glamorous
and wrote about the harsh reality of
living too near the sky.
In Rich’s novels, “The Willow-
Bender” and “The Spring Begins,” and
in Turnbull’s books of poetry, “The
Tenmile Range” and “Goldboat,” they
told of the mountains’ hold on the
people, of prospectors whose search
for gold was a sickness, of women who
went crazy from the long winters and
the loneliness.
The “ladies of French Street,” as
they came to be called, served what
they called “drinkin’ whiskey” in
Mount Elbert, Colorado’s highest peak, is west of Breckenridge.
crystal glasses to old miners, aging
madams and visiting literrati.
Like the people they wrote about,
Rich and Turnbull could not leave
Breckenridge for long. Their blood
was too thin, and they developed a
terrible longing for the mountains.
When the financially precarious
(mining) operations finally shut down
during World War II, the brothels were
closed and the prostitutes moved on.
Then in 1962, a ski area was
opened on Peak Eight to the west of
Breckenridge, and skiers swarmed
into town.
________________
Sandra Dallas is the author of
“Colorado Ghost Towns and Mining
Camps,” one of the finest books avail-
able on Colorado. I
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Simplifying the
funeral experience
16 • October 2007 • The Senior Voice
Debbie Reynolds
By Lois Hall
D
ebbie Reynolds was born at El
Paso, Texas, in 1932.
Her father was a carpenter for the
Southern Pacific Railroad, and the
family moved to Burbank, California,
when she was eight years old.
At school, she excelled in several
sports, earned 48 Girl Scout merit
badges and won a “Miss Burbank”
contest in 1948. As a result of that
contest, she was hired by Warner
Brothers motion picture studios.
After 18 months of bit parts and
frustration at Warner Brothers, she was
fired but immediately hired by MGM
Studios to play opposite Fred Astaire
and Red Skelton in “Three Little
Words” in 1950.
She did so well in that film that
MGM put her under longterm
contract. In subsequent films, she
appeared with Jane Powel, Lana
Turner, Ezio Pinza and other stars.
In 1951 she starred with Gene
Kelly and Donald O’Connor in
“Singin’ in the Rain.” That was her big
break as a leading actress and estab-
lished her as a major dancer and
performer. Her roles also established
an image of an all-American girl, lively
and full of spirit.
It was that spirit that prompted
producers to cast her in the leading role
of “The Unsinkable Molly Brown,” for
which she received an Academy Award
nomination in 1964.
Considered one of Hollywood’s
greatest musicals, the movie chronicled
the rags-to-riches rise of Colorado’s
most famous woman of the Gold Rush
era. Molly Brown was scorned by
Denver society but gained nationwide
fame and respect after surviving the
sinking of the Titanic.
At the time of the movie,
Reynolds reportedly was receiving
$250,000 for a film but reduced her
demands to $200,000 for “Molly
Brown” because she liked the part so
much and wanted it. She eventually
appeared in over 30 motion pictures,
numerous stage productions and made
several hit records.
At one time, she had her own
company, Harmon Productions, which
produced films and TVshows. She also
owned a company that made women’s
clothing and entered a land develop-
ment business with her brother, Bill.
She donated the profits from her
autobiography, “If I Knew Then,” to
her church and entertained troops over-
seas during the Korean War. Her 1955
marriage to singer Eddie Fisher resulted
in two children and a divorce when
Fisher became involved with actress
Elizabeth Taylor.
Reynolds later married a wealthy
manufacturer, Harry Karl, and retired
from show business. At one time, she
owned a small vacation home in
Ouray, Colorado. I
S
ome medical researchers think
they might be able to find a cure
for Type 1 Diabetes, according to a
report in the Proceedings of the
National Academy of Sciences.
Researchers at Beth Israel
Deaconess Medical Center in Boston
are ready to test a three-drug regimen
that might stop the destruction of beta
cells and preserve the function of cells
that metabolize insulin. They also
discovered that inflammation plays a
major role in Type 1 Diabetes, and
one of the drugs used appears to block
the inflammation so cells can respond
correctly to insulin.
If the medicines work in humans,
researchers hope that the diabetes can
be controlled with brief periods of
treatment. Type 1 Diabetes usually
begins in childhood and causes the
body’s immune system to attack
insulin-producing cells in the
pancreas. I
N
early 99 percent of imported
foods are not inspected by any
U.S. agency, which may explain why
76 million Americans get sick each
year from eating bad food, according
to research by the Progressive Policy
Institute.
Contaminated food puts 325,000
Americans in the hospital yearly and
results in at least 5,000 deaths, said
researchers. “Americans are protected
against tainted goods by a system of
redundant, inefficient programs that
let too many dangerous products
through the cracks,” said the
researchers.
Responsibilities are fragmented.
Most of the food safety budget goes
to the Department of Agriculture, but
the FDAis supposedly responsible for
the nation’s food supply.
Sen. Charles Schumer (D-NY)
said more problems occur with foods
from China than from all other
foreign countries combined.
The Progressive Policy Institute
recommends that a single agency be
responsible for inspections and that
new, modern standards be established
to protect the public. I
Actress Debbie Reynolds years ago. Maturity News Service.
Research on Type 1 Diabetes
Imported Food Inspections
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P
sychiatrists receive more money
from drug companies than any
other medical specialty, according to a
studies conducted by state officials in
Vermont and Minnesota.
Some analysts think that means
psychiatrists are being unduly influ-
enced to prescribe certain drugs.
In 2006, Vermont psychiatrists
received an average of more than
$45,000 a year from drug companies.
That was up from about $21,000 a
year before.
State officials said the more
money psychiatrists earned from a
drug company the more likely they
were to prescribe drugs the company
made. Many greatly increased their
prescriptions for anti-psychotic dugs
for children. Those drugs are known
to be risky, and some are unapproved
for children, said officials.
An earlier study in Minnesota also
showed that psychiatrists receive
more money from drug companies
than other specialists. Payments there
ranged as high as $689,000 a year in
one case.
Not all states require drug compa-
nies to disclose such payments.
Minnesota does, but its law has not
been enforced, said former state repre-
sentative Lee Greenfield.
He thinks it should be enforced.
“Why do we want them bribing
doctors to use what may not be the
best or most cost-effective drug for
the patient?” said Greenfield.
Some other states are considering
legislation, and U.S. Senator Charles
Grassley (R-Iowa) would like to see a
federal initiative. He said, “A federal
law requiring public disclosure of
payments to doctors could be very
effective if it was carefully monitored
and consistently applied.”
Vermont Attorney General
William Sorrell said drug companies
spent well over $2 million on
payments to Vermont’s doctors, hospi-
tals and universities in 2006. He
believes that is only a fraction of the
total amount drug companies spent on
marketing in the state since it does not
include salaries of sales representa-
tives and other expenditures.
Other researchers say drug compa-
nies typically spend twice as much on
marketing a drug as they do on
researching and developing it. I
Influencing Doctors
P
eople know that exercise will keep
the heart healthy, but most do not
know that exercise might also help the
heart repair itself.
Researchers with the European
Society of Cardiology said a study
showed that people with heart failure
produced new stem cells and new
small blood vessels by exercising.
The study involved heart patients
who rode a bicycle for 30 minutes a
day for several months. Such exercise
can send up to 10 times the normal
amount of blood to muscles, including
the heart muscle.
That kind of circulation causes
stem cells to repair damage to the
muscles, said researchers. Over time,
this builds new blood vessels and
strengthens the muscles.
This happened even in patients
with serious heart failure. In the past,
such patients often stopped exercising.
But this study shows that the heart can
repair itself to some extent through
exercise, said researchers. I
Exercise for Heart Patients
S
ome research studies have recom-
mended that people in northern
climates take extra vitamin D because
they do not get enough sunshine in the
winter months.
The latest study was reported in
the journal Nutrition Reviews. It said
the right amount of vitamin D appears
to reduce the rate of breast cancers
and colon cancers among people
living in sunny climates.
To get enough sun in winter,
researchers said most people in
northern states would need to expose
40 percent of their skin to midday sun
for three minutes each day. Since most
people cannot do that in winter,
researchers recommend they get 2,000
IU’s of vitamin D daily through diet
and vitamin pills.
Researchers do not recommend any
more than 2,000 IU’s. Many mature
people would probably have to take
vitamin D pills to get that much. I
More Vitamin D Recommended
18 • October 2007 • The Senior Voice
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The Senior Voice • October 2007 • 19
Laughter Is Still the Best Medicine
A
young man and his grandfather
were ready to golf at the country
club when a beautiful young woman
walked up and said, “May I join
you?”
They agreed and watched her hit
one great shot after another all the
way around the course.
When they reached the last hole,
she said, “If I make this putt, I’ll shot
a 69, and I’d really like to break 70
today. But I haven’t played this
course before; so I’m not sure about
the break on this putt.”
The two men were silent, already
embarrassed by being beaten badly by
the woman.
She said, “If one of you can help
me make this putt, I’ll take you to my
place when we’re finished.”
The young man said, “I’ve had
that putt before. Start it about two
inches to the right, and hit it firm. It’s
more uphill than it looks.”
His grandfather walked over,
picked up her ball and said, “It’s a
gimme’, honey.”
A Mafia godfather found out that
his bookkeeper had cheated him out
of ten million dollars.
His bookkeeper was deaf; that was
the reason he got the job in the first
place. It was assumed that a deaf
bookkeeper would not hear anything
and could not testify in court.
When the godfather went to
confront the bookkeeper about his
missing money, he took along his
lawyer, who knew sign language. The
godfather told the lawyer, “Ask him
where the money is.”
The attorney, using sign language,
asked the bookkeeper, who signed
back: “I don’t know what you are
talking about.”
The lawyer told the godfather, “He
says he doesn’t know what you’re
talking about.”
The godfather pulled out a pistol,
put it the bookkeeper’s temple and
said, “Ask him again!”
The lawyer signed to the book-
keeper: “He’ll kill you if you don’t
tell him!”
The bookkeeper signed back:
“Okay! You win! The money is in a
brown briefcase, buried behind the
shed in my cousin Enzo’s backyard in
Queens!”
The godfather asked the lawyer,
“Well, what’d he say?”
The lawyer replied, “He says you
don’t have the guts to pull the trigger.”
What was America like 100 years
ago in 1907? Here are some statistics:
The average life expectancy was
age 47.
Only 14 percent of the homes had
a bathtub; 8 percent had a telephone.
2 out of every 10 adults could not
read or write.
More than 95 percent of all births
took place at home.
Most women washed their hair
once a month and used Borax or egg
yolks for shampoo.
The population of Las Vegas,
Nevada, was 30.
All those were true, and so was
this: The number of honest politicians
in Washington, D.C., was exactly the
same as today—0. I
• Penitentiary convicts have the prestige of living in a gated
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• We hope peace can be found somewhere between Iraq and a
hard place.
• Lots of people are not afraid of work. They take a nap right
beside it. I
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MORRISON’S
MEDITATIONS
20 • October 2007 • The Senior Voice
By Scott Burns
Financial Writer
E
xchange-traded funds (ETFs) are
on a rocket ride as multiple spon-
sors push the envelope of possible
indexes, expand the number of fixed-
income offerings and reach toward
creating managed ETFs.
In the process, the once clear
waters of a limited index fund spring
have turned into a gushing sewer pipe
of speculative products. The common
theme of many of the new ETFs is that
they chase increasingly obscure market
segments at rising fees. That’s great for
Wall Street, lousy for investors.
Does that mean ETFs have gone
from being a good thing to a bad
thing?
I don’t think so. It just means we
have to ignore a lot of Wall Street
garbage and concentrate on the ETFs
that are genuinely useful. One easy
example is that ETFs can be useful for
workers stuck in lame 401(k) plans
with expensive choices —but that
offer a “brokerage window.” Provided
the account is large enough and the
brokerage commissions are small
enough, the brokerage window allows
you to establish an inexpensive, diver-
sified index portfolio.
So which ETFs qualify as
genuinely useful to the average
investor? Here’s my short list, by
broad asset category:
• Domestic Large Cap: Vanguard
Total Stock Market (ticker: TSM,
Expense Ratio: 0.07 percent).
• Domestic Small Cap: Vanguard
Small Cap (ticker: VB, ER: 0.10
percent).
• International: iShares MSCI EAFE
(ticker: EFA, ER: 0.35 percent).
• Emerging markets: Vanguard
Emerging Markets (ticker: VWO, ER:
0.30 percent).
• REITs: Vanguard REIT index
(ticker: VNQ, ER: 0.12 percent).
• Inflation-Protected Securities:
iShares Lehman TIPS (ticker: TIP,
ER: 0.20 percent).
• Short-Term Treasurys: iShares
Lehman 1-3 Treasury (ticker: SHY,
ER: 0.15 percent).
Hundreds of other ETFs are just
baskets of stocks to buy and sell for
speculation. But that’s not investing.
________________
You can send questions to:
scott@scottburns.com. I
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The Senior Voice • October 2007 • 21
A Pioneer Woman
in Colorado
Editor’s Note: Life for Colorado
pioneers was hard, especially for
women, who were often left widowed
or abandoned. One such woman was
Nellie Smeltzer, who lived in the
small mining town of Bonanza south-
west of Leadville. An early writer,
Anne Ellis, knew Nellie and told her
story years ago.
By Anne Ellis
N
ellie Smeltzer was the town
dressmaker and milliner. As a
girl, she had money and some of the
good things it brings such as educa-
tion and breeding.
When quite young, she married a
mining man...and followed him from
one mining camp to the other. Finally
they came to Bonanza. Here she planted
herself and said, “No more moves.”
She often told me of how she
shocked the natives when she first
came to town with her lovely and
daring clothes. I think a low-necked,
black dress was the knock-out.
I know she must have been beau-
tiful in those days, as she always had
very good features—and such an air,
talked with her eyebrows and shoul-
ders...She could twist a scarf around a
hat and give it “that” look...
(But) the years passed. Each day,
she looked for the return of her husband,
but he never came. She had no intimate
friends, neither women or men, and
never seemed to feel the want of them.
No relative ever came to see her.
She was never talked about,
although many men tried their luck
with her and left sadder but wiser
men. One was told to come late at
night. He went, tapped gently on the
door. It was opened a crack, he
stepped eagerly forward, and had his
eyes filled with red pepper...
She was one of the proudest
Birth
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irth control pills are safe for
women in their 40s and might
help relieve menopausal symptoms,
according to a research report in the
journal “Fertility and Sterility.”
Researchers analyzed data on
over 48,000 women age 30 to 49.
Some earlier studies done years ago
when birth control pills first became
popular said the pills might cause
heart problems for mature women.
But in those days, the pills contained
more estrogen than they do now, and
researchers no longer believe the
pills carry any risk of heart prob-
lems.
Today’s pills also contain
different progestin formulations,
said researcher Karen Margolis.
“There’s reason to believe that the
modern form of the pill is probably
safer for the heart,” she said.
She also said that more women
in their 40s are using birth control
pills than in the past, perhaps
because the pills help ease
menopausal symptoms. I
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people I have ever known. She would
never allow anyone to help her or give
her anything.
When she would be out hunting
her cow, dressed in gunnysacks,
maybe one foot in an old rubber boot
and the other wrapped in an ore sack,
if you could coax her in, wanting to
give her something to eat, you had to
make an affair of it and drink tea
along with her.
One Christmas, people knew she
was hungry. They filled a sack with
groceries and put it on her doorstep.
When she found it, she took it by the
bottom and dumped it first to the
right, then to the left, threw the sack
over the fence, went into the house
and slammed the door.
She held on to one blue velveteen
dress, which she wore on election
days...For years, she wore gunnysacks
and sometimes these were very scant.
But whatever she wore, she wore
it with an air. She even walked with a
tripping sort of strut, and each day she
powdered (her face) white as snow,
with flour...
I have known her to walk to
Saguache to pay her taxes, 17 miles
over a high mountain pass. Once she
borrowed our cart, piled it high with
millinery, put herself in the shafts,
and hauled it to Villa Grove, 15
miles away...
During all these years, there was
never one word of complaint at an
unkind fate. She died, as she lived,
proud and alone, asking no odds of
anyone.
But even to the end, there was a
sign creaking above her door:
“Fashionable Dressmaking.”
And (pictures) of ladies dressed in
beautiful colors, with tiny waists, big
sleeves and long trains, smiled at you
from the fashion sheets in her
window. I
Young pioneers in 1886. Hazel Johnson Collection.
MILO BOHLENDER GARY BOHLENDER
“Dedicated to Serve”
Locally Owned and Operated Since 1959
121 WEST OLIVE • 482-4244
VAUNDEEN BOHLENDER-BACHUS
22 • October 2007 • The Senior Voice
Laughter Is the Best Medicine
Apoliceman woke up in a hospital
after a simple operation.
He felt an uncomfortable pulling
sensation on his chest and found that
someone had put a huge piece of tape
across his chest hairs. Written across
the tape was a message:
“Get well soon.” It was signed:
“The nurse you gave a ticket to
yesterday.”
A wife told her husband, “I have
good news and bad news.”
“What is it?”
“First, I think I’m losing my
voice.”
“What’s the bad news?”
Some bloopers from church bulletins:
• Joseph Benson and Mary Carter
were married October 24 in the
church. So ends a friendship that
began in their school days.
• The Low Self-Esteem Group will
meet Thursday at 7 pm. Please use the
back door.
• Miss Charlene Mason sang “I Will
Not Pass This Way Again,” giving
obvious pleasure to the congregation.
• The minister unveiled the new
tithing campaign slogan: “I upped my
pledge. Up yours.”
Teacher: “Mary, go to the map and
find North America.”
Mary: “There it is.”
Teacher: “Correct. Now, class,
who discovered North America?”
Class: “Mary.”
Teacher: “Johnny, how to you
spell ‘crocodile?’”
Johnny: “Krokodial.”
Teacher: “No, that’s wrong.”
Johnny: “Maybe it’s wrong, but
you asked how I spell it.”
Teacher: “Lauren, name one
important thing we didn’t have 10
years ago.”
Lauren: “Me.”
Teacher: “Johnny, do you say your
prayers before eating?”
Johnny: “I don’t have to. My mom
is a good cook.”
A foursome of senior golfers hit
the course with waning enthusiasm.
“These hills are getting steeper as
the years go by,” one complained.
“These fairways seem to be
getting longer too,” said another.
Finally one said, “Just be thankful
we’re still on the right side of the
grass!”
You live in Nebraska if:
• You’ve had a lengthy telephone
conversation with someone who
dialed a wrong number.
• You know several people who have
hit more than one cow on the road.
• You install security lights on your
house and garage, but leave both
unlocked.
• The I-80 speed limit is 75, you’re
going 90, and everybody is passing you.
• Your four seasons are almost winter,
winter, still winter, and road construc-
tion.
Southern medical terms, courtesy of
Arlene Ahlbrandt:
• Barium: What you do when the
patient dies.
• Cauterize: Made eye contact with her.
• Dilate: To live a long time.
• Node: Was aware of.
• Fibrillate: To tell a small lie.
• Bunion: Paul’s name.
• Paradox: Two doctors.
• Coronary: Ayellow bird.
• Outpatient: One who fainted.
• Pelvis: The evil twin of Elvis.
• Seizure: Roman emperor. I
We said children should be
seen and not heard. At my
age, I should be heard and
not seen.
– Bill Lambdin
Who are the most
influential consumers
in Northern Colorado?
People over age 50.
• They have twice the spendable income of other
consumers.
• They account for 51% of all consumer demand.
• Colorado has had a 65% increase in this age group in
the past seven years — the largest in the nation.
They read the Senior Voice every month.
Published locally since 1980.
Fort Collins/Greeley (970) 229-9204 • Loveland/Estes Park (970) 482-8344
The Senior Voice • October 2007 • 23
Loveland Pioneer
Thanks for the article by James
Virden (July, Senior Voice). He was
my maternal great grandfather.
Grandfather Virden is buried in
the old cemetery in Boulder along-
side his wife, who died very young,
leaving him to raise his three chil-
dren—two girls and one boy. My
mother attended Mount Hope
School.
I enjoy your Senior Voice every
month, lots of good information.
Helen Weisgerber
Longmont
Halloween History
All Hallows Eve (Halloween)
historically was a sacred time to
remember saintly heroes and hero-
ines, and one’s dead ancestors
whose ghosts might return to earth
for one night.
Dracula, a frightful symbol of
this scary night, resided in the
mountainous region of
Transylvania. He was involved in
holy wars, just as we have become
enmeshed in terror wars that have
religious implications.
Therefore, a Halloween message
about Dracula may have some perti-
nent meaning for us.
His father, Vlad II, was named
Dracul, meaning “dragon,” because
in 1431 he had traveled to
Nuremberg to be inducted into the
Order of the Dragon by the Holy
Roman Emperor Sigismund.
The Christian Church formed
this Order of the Dragon in 1418 in
order to fight against the Turkish
Muslims, to defend Transylvania,
and to terrify any heretics by
keeping alive the memory of the
execution in 1415 of the heretic
John Huss.
Young Dracula received a
knight’s education, was crowned a
prince, and led his own crusade
against the Muslims. He became a
hero to the Church and Romanian
people. Pope Pius II called Dracula’s
campaign of terror “the will of God.”
Dracula governed “by divine
right” and saw himself as appointed
by God to punish evil doers and
reward the good. He set up faith-
based social programs and set lazy,
immoral peasants to work building
churches and monasteries.
His treatment of the poor was
ambivalent. One time he rewarded
faithful peasants by giving them the
wealth and lands of 500 aristocrats.
At other times, he disposed of the
poor, sick or disabled who could not
usefully serve the state or church.
Church and state were not sepa-
rate in Dracula’s day. But today, our
nation stands on the principle of
separation of church and state. Let
us use the Halloween greeting from
Transylvania to remind us to be
thankful for our Constitution and
First Amendment rights.
Patricia Highby
Greeley
(Editor’s Note: Patricia Highby,
Ph.D., is a former professor of
theology and philosophy at Urbana
University in Ohio. Earlier, she and
her husband were Lutheran mission-
aries. She now lives in Greeley.) I
B
locked blood vessels in the legs
(peripheral arterial disease)
increases the risk of heart disease and
stroke, and more than 8 million
Americans suffer from it. But few
know they have it or even know what
it is, according to a report in the
medical journal “Circulation.”
Peripheral arterial disease often
produces no symptoms; so people do
not know their leg arteries are
narrowed or blocked with fatty
deposits. Researchers surveyed over
2,000 people age 50 and over, and
found that only one-fourth of them
knew anything about the disease.
It can result in amputation of the
legs and death. Only 14 percent of the
people surveyed associated the
disease with those results.
There is a diagnostic test for it, but
few doctors give the test; and
Medicare usually does not cover the
test. Peripheral arterial disease is a
major warning sign of trouble, said
researchers. I
Few Know About Common Disease
Letters
To The Senior Voice
1471 Front 9 Drive
Fort Collins, CO 80525
E-MAIL: thevoice@frii.com
Lemay Avenue
Health &Rehab Facility
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upply Store
24 • October 2007 • The Senior Voice
• Active 55+
Community
• No Rentals
• Low Maintenance
• 2-Car Garage
• Conventional
Financing
• Ranch Style Floor
Plans
• Pets Allowed
1/2 Mile east of I-25
on the south side
of Mulberry
www.sunflowercolorado.com • 10 a.m.-5 p.m. Daily • 970-493-5646
VISIT OUR MODEL —
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