The Senior

VOICE July 2007

Local Attractions • Scenic Places • History • Money • Health • News

Estes
Ghost
Park
Town
And Rocky
Mountain
In Northern
National Park
Colorado
Frontier
Longs
Justice
Peak
in Wyoming
Pioneer
Longs
Climbers
Peak
Outlaws
Climb
In Early
In 1871
Colorado

Scenic
Skiing
Drive
Steamboat
Springs
Gold Belt
Byway
2 • July 2007 • The Senior Voice

Largest RV Indoor Showroom On 30 Acres

SALES • RENTALS • SERVICE • PARTS The Baby By
U.S. Senator

Boomers Wayne Allard

• Diesels, Class
A, C & B
• Save
thousands
on Larson &
O ver 75 million Americans will
turn age 60 during the next 20
years—that’s 10,000 people a day.
• All models of Azure Boats The impending retirement of the
travel trailers & Odyssey
Baby Boomers will leave 91percent
& 5th wheels Pontoons
of America’s net worth controlled by
seniors, making them targets for
www.rvamericainc.com financial fraud and con games. The
Securities and Exchange Com-
4777 Marketplace Dr • Loveland, CO mission convened the first ever
Exit 254 (next to Johnson’s corner) Senior Summit last year to help
develop strategies that safeguard
970-278-1900 • 877-578-1900 retirees’ financial security
I encourage seniors to thoroughly
10% evaluate the background of any
All RV P Off financial advisors before trusting
Service Narts & them with finances, along with any
eeds company they plan on investing in.
If you feel you are the victim of
securities fraud, contact the appro-
priate agencies such as the SEC, the
Colorado Division of Securities and
law enforcement.
For many people, their home is
the most valuable asset they own,
also making it a target. Some
unscrupulous lenders use false or
misleading sales tactics to make
high-cost loans to people in need of
cash. Victims often cannot afford
the loan, and they may be pressured
to refinance a loan repeatedly and
pay high fees each time.
Borrowers who pledge their
house as collateral and can’t repay
the loan could lose the home in a
foreclosure. You should be especially
wary of unsolicited offers of home
equity loans or refinancing. Review
all documents carefully before
signing, and ask a family member or
other neutral party for help.
Sometimes the criminals are
closer to home. Even relatives and
caregivers can prey on people in an
attempt to bilk them out of their life
savings and assets.
________________
You can call Sen. Allard’s
Loveland office at 461-3530. ■

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Estes Park: Then and Now VOICE
Lord Dunraven’s Estes Park Hotel, built in 1877, was located on what is now the town’s 18-hole golf
course. Photo from the book “Estes Park and Rocky Mountain National Park: Then and Now.”
By Bill Lambdin
“E stes Park and Rocky
Mountain National Park:
Then and Now” is a new book of
historic and recent photographs,
plus stories of the area from its early
days to the present.
Photographers Mic Clinger and
Carey Stevanus show current build-
ings and scenes from the same
views as early photographs, giving
the reader a chance to compare the
early views with those of today.
This technique lets us see how
things have changed or, in some
cases, remained the same.
Stevanus also helped write the
book’s text. She is a longtime Estes
Park resident who has collected
historic photographs and vintage
postcards of the area. The other
writer is James Pickering, author
“This Blue Hollow” and several
other books about Estes Park.
This is more than a book of
pretty pictures. It contains many
stories about people and events.
Every photograph is accompanied
by interesting information. Here is
an excerpt about the Earl of
Dunraven, who in 1877 built the
first large hotel catering to tourists
in Estes Park:
“The Estes Park (or ‘English’)
Hotel, which became the center-
piece of the Earl of Dunraven’s
Estes Park Company, was built on a
site selected by German-born artist
Albert Bierstadt for its view of
Longs Peak…
“The hotel was designed to cater
to the well-to-do who wished to
vacation in the comfort of subdued
elegance, as opposed to the ruder
fare provided by the valley’s family-
operated ranches. (It) offered
manicured lawns, an artificial lake
large enough to float small boats,
tennis, and a nine-hole golf course.”
“Over the years, the hotel would
undergo a number of structural
changes. The first of these converted
the original second-story balcony to
a roof (in order, it has been
suggested, to reduce the possibility
of late-night festivities).”
Indeed, there were many “late-
night festivities” at Dunraven’s
place. He brought young women
there each summer so he and his
wealthy friends would not be lonely.
The hotel was located near the
present clubhouse of today’s Estes
Park 18-hole golf course. Here are
excerpts from the book showing
how golf developed in Estes:
“The Earl of Dunraven built the
first golf course in Estes Park for
guests of his Estes Park Hotel,
which opened in 1877. The nine-
hole course, among Colorado’s
earliest, began and ended in front of
the hotel, and reportedly was
designed with the help of ‘a golf
expert from Scotland.’
“After the hotel building burned
in 1911, the golf course was aban-
doned. By then, Estes Park golfers
could use the nine-hole course that
F.O. Stanley had installed below the
Stanley Hotel…The Stanley course
proved extremely popular with hotel
guests, visitors and local residents,
so much so that by 1916 another
facility was needed…”
The present 18-hole course was
built in 1918 and still contains some
elements of its original design,
including several stone-outlined tee
boxes and the small stone building
that served as a cistern and stands on
some rocks near the clubhouse front
entrance.
The book covers all of the early
guest ranches and hotels, including
the Stanley Hotel, Elkhorn Lodge,
MacGregor Ranch and others that
still exist—plus pioneer places that
no longer exist like the Sprague
Ranch and Squeaky Bob Wheeler’s
place. It also covers places in Rocky
Mountain National Park such as the
Old Fall River Road, Bear Lake
Lodge, the original Trail Ridge
Road, the old mining town of Lulu
City, and others.
If you like the Estes Park area,
you’ll probably enjoy this 272-page,
hardcover book, available from local
bookstores or by calling Westcliffe
Publishers at 800-523-3692.
________________
COVER PICTURE: Early automo-
biles at the Grand Lake Lodge, taken
by Estes Park photographer and
book co-author Carey Stevanus. ■
The Senior Voice • July 2007 • 3
The Senior
Published Locally Since 1980
VOL. 27, NO. 8
www.theseniorvoice.net
PUBLICATION INFORMATION
The Senior Voice newspaper has been
published locally the first of each month
since 1980 for 40,000 residents age 50-plus.
ADVERTISING
Advertising is sold by fractions of a page:
One full page, 1/2 page, 1/4 page, etc. Ad
deadlines vary for publication the first of
each month. Discounts for multiple issues.
For rates, call:
Wolfgang Lambdin
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Associate Publisher
Fort Collins
(970) 229-9204
SALES OFFICES:
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(970) 229-9204
Loveland and Estes Park
(970) 482-8344
EDITORIAL DEADLINE
Announcements and stories must be
received by the 10th of the month.
LETTERS TO THE EDITOR
The Senior Voice welcomes readers' letters
and contributions. Enclose a self-addressed
envelope and return postage to: The Senior
Voice, 1471 Front Nine Drive, Fort Collins,
CO 80525, or email thevoice@frii.com.
Typed, single-spaced manuscripts are
preferred. Manuscripts will be treated with
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submitted by readers.
© Copyright 2007
The Senior Voice
EDITORIAL OFFICE:
1471 Front Nine Drive
Fort Collins, CO 80525
(970) 223-9271
www.theseniorvoice.net
No material may be reproduced by any
means without permission of the publisher.
Dr. William Lambdin, Publisher
4 • July 2007 • The Senior Voice
Outlaws on the
Wyoming Frontier
By Robert Munkres
O ne of the things that accompanied
pioneers on their way across the
Oregon Trail in Wyoming was crim-
inal activity.
Such activity sometimes was
reported in journals and diaries in
language that set the entries apart from
more ordinary descriptions. John T.
Kerns (1852) provided one example.
Two days below the Upper Platte
ferry, Kerns reported seeing “a notice
of a man being hung for murder and
robbery. The notice was headed
‘Dried beef for sale, wholesale or
retail.’” The precise meaning of this
caustic observation was not provided.
Captain Albert Tracy (1860)
reported an incident which took place
on Box Elder Creek in Wyoming. The
punishment inflicted for the crime
committed was described in “engi-
neer’s” terms not usually associated
with such events:
At Box Elder “... a party found by
a jury of his fellow-citizens to be
guilty of mule-stealing, had been
summarily executed by hanging—a
couple of wagon tongues, elevated
from their front wheels, and lashed at
the top, forming the neat and suffi-
cient derrick, or gallows, whereon to
do the judgment—the culprit
depending at the end of a lariat.”
A final example involves what can
only be called a perfect specimen of
“Hobson’s choice.”
In July, 1860, Vincent Page Lyman
and other members of his party
pursued, captured and shot a horse
thief. They put up a head-board on the
grave which read:
“George B. Baker, shot on the 3rd
of July, 1860, for horse-stealing and
attempt to murder. We killed him
because he would not give himself up
to be hung.”
________________
Robert Munkres, Ph.D., lives in Estes
Park and has written extensively
about early Wyoming. ■ A lynching in 1888. Colorado Historical Society.
 The Senior Voice • July 2007 • 5

STRUGGLE TO BATHE?
Property Taxes WALK-IN BATHTUB
By SAFETY
State Senator
Steve Johnson
DIGNITY

T he Notice of Valuation from the

county assessor detailing how
much the value of my property has
office issued a memo stating that
this property tax increase violates
TABOR and our Constitution.
INDEPENDENCE

gone up always scares me, because The people of our state have
it could mean I will be paying a lot made it clear they want to vote on
more in property taxes next year. any tax increases. If Governor
Property taxes don’t go up as fast Ritter feels that we need more
as the valuation goes up because of local property tax money for
a state law that requires the mill levy schools, he should take the ques- Models Include:
• Wide Inward-opening Door
for schools to drop as valuations go tion to a vote of the people just as • Anti-slip Floor & Anti-slip High Seat
up. This has protected us for a long Governor Owens rightfully did • Foot & Leg Massager • Bidet
time from huge increases in our with Referendum C two years ago. • 168 Jets of Heated Hydrotherapy
property taxes. Forecasts predict the Mill Levy Helps Circulation, Stiffness & Pain
For Details & Live Operator 24/7 • Therapeutic & Relaxing Deep Soak
But that may change. Governor Freeze will result in $1.7 billion
Call NOW Toll-Free • Handheld & Wall Mount Shower Head
Ritter and Democrats in the more in property taxes paid by • Many Models, Sizes & Colors for
Legislature eliminated this with an Coloradans over the next 10 years. 1-800-908-1827 ANY Problem, ANY Space, ANY Décor
• Lifetime Guarantee: Will NEVER Leak
amendment to the school finance This is a massive and illegal tax
act at the very last minute of the increase. I am sure it will be chal- • Installation Available in ALL 50 States
• FDA & ADA: May be Tax Deductible
legislative session. The plan is lenged in the courts, and I hope it & Sales Tax Free
called the “Mill Levy Freeze,” is overturned.
which makes you think it might The ironic thing is, this won’t
freeze taxes. But it does just the mean more money for our local
opposite because it isn’t the mill schools either. That’s because money
levy that raises your taxes, it’s the for schools is made up of local taxes
increase in valuation. They want plus state taxes. After the local taxes
the mill levy to stay the same, so are figured, the state kicks in money
when your valuation goes up, your to reach a certain funding amount.
taxes go up along with it. If we raise our local taxes, that
I believe this property tax just means the state share will be
increase is a violation of TABOR less. What this property tax
in our state constitution. TABOR increase will do is free up more
requires a vote of the people on state spending for other areas of
any “tax policy change directly the state budget.
causing a net tax revenue gain.” ________________
Colorado’s Attorney General You can call Sen. Johnson in Fort
John Suthers agrees with me. His Collins at 223-8045. ■
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6 • July 2007 • The Senior Voice

Early Climbers
of Longs Peak
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NOTIlEDOFACCOUNTACTIVITY
(Editor’s Note: Greeley historian descents of 2,000 feet where a
4AKETHElRSTSTEPTOMAKINGYOUR Hazel E. Johnson wrote the single wrong step would send
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following story years ago.) them into an abyss.
ORCALLFORMOREINFORMATION At 9:30 a.m., they reached the
By Hazel Johnson summit of14,255 feet. Meeker
wrote, “The summit is level and

I n 1871, a group of young men covered with granite (rocks) occu-

and women in Greeley decided pying about five acres. Two or
to climb Longs Peak. three (rock) towers six or eight feet
Ralph Meeker, son of Greeley high have been built as memorials
founder Nathan Meeker, was along of their architects’ ascent.”
and wrote about the trip. They found the names of
Most in the group knew nothing several other people who had
of climbing in the wilderness. climbed the peak. “Major Powell’s
Some young men came equipped bread, papers and other articles
with lariats fastened to their were examined,” said Meeker.
saddles. The girls laughed at their John Wesley Powell had climbed
own dresses and iron-clad brogans. the peak in 1868 and left some
They camped the first night at items in a tin can, including a
the entrance to St. Vrain Canyon. biscuit.
Moving out at daylight, they jour- Meeker recalled: “We looked
neyed among high mountains and over the gorge on the east side of
gorges with seemingly no outlets. the peak. Few nerves could bear it.
It appears three days were It was 2,300 feet in a sheer,
consumed in reaching Estes Park, perpendicular descent down to the
“traveling over difficult and lake below.
9OURE!LWAYS&IRST7ITH5S dangerous roads,” said young “On three sides of us were
Meeker. mighty gulfs, bounded by granite,
Only part of the group made the space and eternity. Fear fled.
final ascent to Longs Peak, Something deeper, nobler and
keeping a lookout for bears and grander filled the soul.
other beasts. Morning found their “On one side, the waters flow
ropes frozen stiff as pokers. After a to the Atlantic. On the other, they
TUOBUJPOBMCBOLDPN hasty breakfast at 5:30, they started sweep through a chain of moun-
the trek. tains larger than half of Europe, to
Their goal was 26 miles the Pacific.”
(including an ascent of 6 miles and Then some young person in the
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fall. They viewed perpendicular a wedding!” ■

Using Trusts for
Estate Planning
By Ron Rutz
Legal Correspondent
Q. I enjoyed your column about
different kinds of Trusts that
appeared in the last edition of the
Senior Voice. But when do you use
Trusts and when don’t you recom-
mend them?
A. I try not to use Revocable
Living Trusts (also known as
Loving Trusts) to avoid probate.
Most of the time, such devices in
Colorado are more complicated,
expensive and prone to being inop-
erable when compared with having
a Will and using unsupervised court
administration, even in large estates.
I do not like Irrevocable Life
Insurance Trusts (ILITS). If not
structured properly, the insurance
policy and/or the money becomes
entombed within the trust.
I shy away from generation skip-
ping trusts. The hand from the grave
The Senior Voice • July 2007 • 7
The shortest
sentence is “I
am.” The longest
trying to control descendants 80 or
more years after death never has
struck me as a good way for society
sentence is “I do.”
to structure itself. Think about if
your grandchildren’s lives were
being financially dictated by a docu-
ment constructed and implemented
during the great depression?
On the other hand, I do use a
large number of Testamentary Trusts
to minimize or even eliminate estate
taxes. (A living trust is not the only
way to do so.)
If property is left directly to a
minor, a court appointed conservator
would have to be named. But a trust
in a Will can be used to stay out of
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court but provide the legal frame- Buick • Pontiac • GMC
work needed by a minor. In fact, a
trust can be set up to hold an inheri-
tance beyond the age minority.
Recently I have had parents set up
Testamentary Trust for children to last
until the children were in their 90’s!
Trusts can be used to help Buick Lucerne
disabled beneficiaries by preventing
the asset from being taken by Social
Services in order to reimburse it for
past support, or having the inheri-
tance disqualify the beneficiary
from eligibility.
Trusts can be set up for special
reasons—to provide for education,
to care for pets, or for short term
management of assets (i.e., give a Starting at $24,995
beneficiary more time to mature,
protect the inheritance from a gold Buick LaCrosse
digger, etc.).
Back in the 19th and early 20th
century, businesses were organized
through trusts. Although key tax and
internal legal structures prevent a
trust from returning to those glory
days, I have effectively used trusts
in business settings.
Trusts can also be used to hold a
family business, the farm, or maybe
even the family cabin. Sometimes a
Limited Liability Company or a Starting at $19,995
Partnership is just not the right fit.
Trusts, when used with Wills, King Auto Group
can provide a vast array of useful
solutions. Just identify the problem is home of
and often a Trust can be the answer. Certified Pre-Owned Buicks
________________
Attorney Ron Rutz will answer ques-
tions sent to rutz@ronaldrutz.com, Visit us at KingLongmont.com
mail 2624 Redwing Road, #180, 303-776-2650
Fort Collins, CO 80526, phone 970- 1800 Industrial Circle • Longmont, CO 80501
223-8388. ■
8 • July 2007 • The Senior Voice
Basic Investment
Strategies
By Scott Burns
Financial Writer
Q: You said these days a safe invest-
ment pays only 5 percent. However,
you talked about a 9 percent return
on a person’s money. Sorry, I do not
understand.
A: A safe return is one that is
certain, like the yield on a short-term
CD or Treasury obligation. If you are
willing to accept some uncertainty
and assume some risk of loss, it is
possible to achieve a higher return.
The long-term return on large
common stocks, for instance, is nearly
11 percent. This figure includes rein-
vested dividends and capital gains.
Unlike interest payments posted to a
savings account, however, this return
varies from year to year. You can also
have years when the value of your
investment declines.
One way to reduce (but not elim-
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inate) the uncertainty of the return
on common stocks is to build a port-
folio that contains both equities and
fixed-income investments. A port-
folio that was 70 percent equities
and 30 percent fixed-income, for
instance, could be expected to return
about 9 percent. The return would
vary from year to year, and it would
still be possible to have a losing
year. But the long-term return— say
10 or 15 years—would very likely
be about 9 percent.
Why take the risk? Simple. It
takes about 15 years to double your
money if your return is only 5
percent. Raise the return to 9
percent, and your money will
double in only eight years and will
nearly quadruple in 15 years.
Q: I am 67 and retired. My retire-
ment funding is from Social Security,
and 100 percent of my nest egg is in
five equity funds, from which I make
periodic withdrawals. I’ve often
heard that as one gets older, more
funds should be shifted to bonds. Is
this still true after retirement?
A: In general, yes. The fine-
tuned answer depends on your
appetite for risk, your age and your
need for income.
Some retirees are quite happy
living on their Social Security,
supplemented with small withdrawals
from their savings. Retirees in that
position can afford to take more risk
because they are not depending on
their savings for a regular flow of
income. The more essential that cash
from your portfolio is to your day-to-
day well-being, the more attention
you need to pay to risk.
This means making certain that
your portfolio has diversification
and a higher commitment to rela-
tively short-term fixed-income
holdings. One good measure is to
ask how long you could pay your
ongoing bills (after Social Security
benefits and pension income) with
Drive money you have in cash, savings
accounts and short-term fixed-
income mutual funds. If the answer
is less than two or three years, you
should probably increase your
fixed-income investments. ■

Scenic Drives
By Bill Lambdin
T his drive, the Gold Belt Scenic
Byway, is in the mountains just
west of Colorado Springs, on the
west side of Pikes Peak.
It includes the famous gold-
mining areas of Cripple Creek and
Victor, and runs mainly from those
towns south to Florence and
Canon City. It involves three road-
ways:
•Phantom Canyon Road
follows the path of what was once
the busiest narrow gauge railroad
in the West, from Florence to
Cripple Creek. It is an unpaved,
narrow road winding along steep
dropoffs. Vehicles over 25 feet in
length are not allowed. But
passenger cars can make the drive
in dry weather. Don’t try it when
the road is muddy.
•High Park Road is paved most
of the way between Cripple Creek
and the Royal Gorge road west of
Canon City. Early prospectors
used this route to go from the gold
fields to the Arkansas River valley.
This is the easiest drive of the
three and is as scenic as the other
two.
•Shelf Road, blasted out of the
steep walls of Fourmile Canyon
years ago, carried stagecoaches
and freight wagons to Cripple
Creek from Canon City. It is a
high, unpaved road winding along
steep dropoffs, narrow and one-
lane in places, definitely a
four-wheel-drive vehicle road. It
used to take stagecoaches six
hours to climb this road from
Canon City.
A lonely cowboy named Bob
Womack started the gold rush here
in 1890. Locals called him “Crazy
Bob” because they thought he was
wasting his time digging holes all
over the mountains around Cripple
Creek.
But Womack struck it rich, and
the Cripple Creek area became the
second richest gold camp in the
world, producing what would
today be billions of dollars in ore.
Over 500 mines in the area
produced more than 21 million
ounces of gold, exceeding the
The Senior Voice • July 2007 • 9
production of the California and
Alaska gold rushes combined.
Gold was so plentiful that two men
struck a vein while digging the
foundation for a hotel.
Later, at the Cresson Mine,
prospectors discovered an under-
ground chamber completely
covered in gold crystals.
Here are some things to see:
At Florence, visit the Pioneer
Museum and historic downtown
area. This little town was once the
area’s center for gold processing.
Railroad cars filled with ore trav-
eled down Phantom Canyon from
1894 until 1912.
Nearby Indian Springs Fossil
Site is a National Natural
Landmark containing 460-million- The three roads on the Gold Belt Tour, from left: High Park Road,
year-old tracks and burrows of Shelf Road, and Phantom Canyon Road.
arthropods such as horseshoe crabs from Stegosaurus, Allosaurus and cowboys herded Texas longhorns
and trilobites. Diplodocus. Specimens from here to the high mountain valleys for
The village of Wilbur in the late are displayed at the Smithsonian summer grazing. They herded
1800s was the largest settlement on Institution and other museums them over 800 miles on drives that
the Phantom Canyon Road, with a worldwide. lasted many months and went
population of 60. A local school At Canon City, see the home- through dangerous Indian territory.
teacher once wrote to his fiancee: stead Rudd cabin and other The village of Florissant north
“I think everybody in Wilbur has artifacts at the Municipal Museum, of Cripple Creek was founded in
been broke for the last two weeks and visit the Dinosaur Depot for a 1870 along an ancient trail used by
as they have all been pretty sober. glimpse of what the area was like the Ute Indians. Florissant was the
But there is a payday coming.” during the Jurassic Period. first settlement on the western
In the town of Victor, see the West of Canon City, the famous slope of Pikes Peak. Mountain
historic Victor Hotel and Lowell Royal Gorge is an awesome chasm men and Indians traded here long
Thomas Museum (named for the rising high above the Arkansas before gold was discovered in the
famous newsman who grew up River and spanned by the world’s area.
here). Also see the Independence highest bridge, 1,053 feet above The village also contains the
Mine, a National Historic Site. the river. Florissant Fossil Beds National
This mine produced the area’s first On the High Park Road north of Monument, delicate plants and
multi-millionaire, Winfield Canon City, you get a view of insects dating to 35 million years
Stratton. 14,110-foot Pikes Peak from a ago when violent volcanic activity
Cripple Creek sits at nearly vantage point few other travelers preserved them in ash. The town
9,400 feet in a huge bowl on the have. Along this road in the 1800s, also has a Heritage Museum. ■
west side of Pikes Peak. It was the
center of the mining district,
boasting two opera houses, 75 30 years out of print, revised edition now available!
saloons, many other businesses
and an embarrassing number of
brothels. Streets of Fort Collins
See the Mountain View by Charlene Tresner
Museum and Cripple Creek
Limited offer for Senior Voice readers through July 31, 2007. . . .
District Museum. Go down into
the Mollie Kathleen Mine, visit the $1695 reg. $
2495
Homestead Parlor House or ride
the narrow gauge train to Victor. plus tax, postage, handling
The Garden Park Fossil Area is To order, call Susan at (970) 484-7137.
on the south end of Shelf Road.
Patterson House Book Publishing
Here in 1876, huge dinosaur bones Fort Collins, Colorado
were discovered, including those
10 • July 2007 • The Senior Voice
1800s Stage Stop
and Trading Post
(Editor’s Note: Fort Collins histo-
rian Josephine Clements wrote the
following story years ago.)
By Josephine Clements
T he old trading post in LaPorte
just north of Fort Collins was
for 32 years in the first third of
1900s the domain of F.E. Baxter,
storekeeper and postmaster.
It was a mecca for traveling
people and a stop for the early stage
coaches and automobiles.
The building was a landmark
from the early years when LaPorte
The LaPorte stage station and trading post. Colorado Historical Society.
was a bustling business center and a
home station on the Overland Stage
Line.
The building was constructed in
the early 1860s but records do not
show just when or by whom. Its
property abstract was researched by
Ruth Hereim in 1957.
Jerry Kershaw, according to
Ansel Watrous’ “History of Larimer
County, Colorado,” was said to have
owned LaPorte’s first store in the
1860s, but whether in this building
or not we do not know.
LaPorte was an established
village of log cabins and a trade
center for French-Canadian fur trap-
pers. It boomed when Ben Holladay
routed his Overland Stage Line
through LaPorte in 1862.
Various residents of LaPorte
occupied the trading post in the
1860s storekeepers and sometimes
postmasters. The National Archives
in Washington, D.C., list John
Asthma Treatment Research
T he FDA is considering approval
of a new treatment for asthma
that uses radio waves to burn off
overgrown muscle in airways.
A recent report in the New
England Journal of Medicine said
the treatment (called bronchial ther-
moplasty) should help asthma
sufferers breathe better and use less
medicine.
It is the first non-medical treat-
ment to be developed in some time,
said researchers; and it shows
Peabody as the first postmaster,
appointed June 15, 1862.
The second postmaster,
appointed in 1863, was Henry
Chamberlain, who owned and ran
the store. The post office was
discontinued in 1864 but re-estab-
lished in 1866. The store and
position of postmaster changed
hands often in the next 10 years. In
1937, F.E. Baxter, then age 85,
resigned as postmaster.
In 1939 Mr. and Mrs. B.V.
Stover took over the old store. They
sold sorghum, potatoes, hay and
apples, and used the building for
storing apples from various orchards
they leased. In 1947, they purchased
the building and put in a large stock
of groceries.
In 1957 the Stovers sold the
business. A few years later, the
building was torn down.
LaPorte and Larimer County lost
a significant landmark. ■
considerable promise. Wires inserted
into the lungs emit heat that burns
off some tissue in the airways,
opening them and making it easier
for people to breathe.
It could be especially helpful for
severe asthma sufferers, especially
those who end up in an emergency
room, said researchers.
Study participants receiving ther-
moplasty reported an average of 40
symptom-free days, compared to 17
days for the others. ■

Antique Inkwells
By
Arlene
Ahlbrandt
O ne of the most unique hobbies
is collecting antique inkwells,
which John Kochenburger of Fort
Collins does.
In the 1600s, the first known
inkwell was made of metal. In the
1700s and 1800s, wealthy people
had very ornate inkwells, hand
Judge John Kochenburger with
a few of the antique inkwells he
has collected for years.
painted and intricate. Some people
remember the bottle-shaped
inkwells that fit in a small hole in
an old fashioned school desk.
Kochenburger is a retired
District 8 Court judge. His parents
were from New York, but he was
born in Greeley. He practiced law
and was a judge for 25 years.
He married June Meyer, and
they had two children. June passed
away but they enjoyed sharing
their hobby and collected over 300
inkwells that are beautifully
displayed in their home.
He is a member of the Society
of Inkwell Collectors.
Headquartered in Minneapolis, the
society has about 800 members
from 13 countries.
Inkwells vary in value from a
The Senior Voice • July 2007 • 11
few dollars to thousands. Some in
John’s collection are rare, with a
rainbow of colors and minerals—
blue cobalt, amber topaz,
wedgewood, crystal, blue and
white Delft from Holland. There
are also some English bone china,
white milk glass and one beautiful
iridescent Loetez type from
Germany.
He has animal inkwells, a bear
from Russia, an owl from Bavaria
and a collection of porcelain
clowns. Wooden inkwells were
used by soldiers during the Civil
War.
The Society of Inkwell
Collectors’ 2007 convention will
be held in Vancouver, Washington;
and John is looking forward to
meeting his friends there. ■
HELPING YOU RETIRE
Northern Colorado’s
Retirement Planning Guide
JimHelps.com 970-530-0556 Jim Saulnier, CFP®
Meet Jim Saulnier, a successful Certified Financial Planner™ professional specializing in Retirement and IRA issues. Jim’s retirement
planning is fee-only and is not motivated by earning a commission, selling you investment products or annuities. Initial consultations
are complementary. To schedule your personal meeting phone his office at 970-530-0556 or visit his website at JimHelps.com. Jim is
pictured above with his two dogs, Mosby and Corbett, in the foothills of Livermore, Colo.
Register for IRA Educational Class
An Individual Retirement Account is typically a retired person’s largest personal investment asset. It’s also
the most confusing. If managed improperly the fees, penalties, and taxes assessed can often significantly
reduce the value of an IRA, and in certain circumstances, totally eliminate any and all tax advantages
associated with investing in an IRA. If you would like to learn more about IRAs, how they work, how they
are formed, the laws governing them, what happens when you inherit one and the issues all seniors must
understand when they reach the age of 701/2 and Required Minimum Distributions must begin, mark
your calendar for an exciting, 3-part educational class this August at the Fort Collins Senior Center.
Co-sponsored by the City of Fort Collins, and taught by Jim Saulnier, CFP®, the 3-part class begins Monday
August 13th, and runs the next two Mondays, August 20th and 27th from 1:30PM until 3:30PM. Register
beginning this August by contacting the Senior Center. In addition to class instruction, ample opportunity
will exist for addressing questions from attendees.
Jim Saulnier, LLC 322 East Oak Street Old Town Fort Collins
970-530-0556 JimHelps.com Jim@JimSaulnier.com
Securities and advisory services offered through Financial Network Investment Corporation, Member SIPC.
Financial Network and Jim Saulnier are not affiliated companies.
12 • July 2007 • The Senior Voice

See Your Best... Remembrances of

a Loveland Pioneer

MEDICAL
SURGICAL
Eye Care Professionals ROUTINE EXAMS
CONTACT LENS
Jennifer Cecil, MD, LLC
669-8998
2902 Ginnala Drive
Loveland, CO One of the first houses in Loveland, l862. Loveland Library.


Across from the Post Office Editor’s Note: Loveland pioneer across the plains as a freighter
on 29th Street Jennifer Cecil, MD James Virden wrote the following between Omaha and Denver.
Board Certified
Ophthalmologist remembrance years ago. Later I owned a sawmill in the
mountains west of Golden and sold
Distinctive Eyewear Optical Shop Margaret Rado, OD By James Virden lumber to the Colorado and
Contact Lens Southern Railroad.
669-2488 Specialist

Icame to Colorado in 1861 and

made many subsequent trips
When I came to Loveland in
1882, all of the best homesteads had
been taken up, so I bought a quarter
section of school land four and a
half miles north of Loveland, and
made that my home.
The Louden Ditch was put
through in 1880 and enlarged in
1884. When the Seven Lakes were
made, part of my land was bought
for the lake bed.
We built a little schoolhouse
across the road from the Alfred
Beebe home. Mary Virden, a cousin
of mine, was the first teacher.
A church organization held serv-
ices in the school and called it the
Mt. Hope Sunday School. The school
district took its name from that.
Boyd Lake was a natural lake
from the rains and snows. When the
Barnes Ditch was made, it emptied
into Boyd Lake and enlarged it.
My children saved up their
money and bought me a fiddle. A
bunch of people would gather at our
two-room house, clear the furniture
out of one room, and have a dance.
I would play “Turkey in the
Straw,” “Irish Washerwoman” and
some polkas, waltzes and schot-
tishes. I believe the young people
enjoyed that one old fiddle as much
as the young people of today enjoy a
big orchestra ■
 The Senior Voice • July 2007 • 13

Famous Cow Pony in Wyoming By

Margaret
Laybourn

Editor’s Note: Wyoming historian
Margaret Laybourn wrote the
following story years ago.
By Margaret Laybourn
These were the only marks on his
beautiful body when he died at the
remarkable age of 38.
Sam Moore, a foreman of the
Swan outfit, noticed the movements
of the colt and his total attention when
from Muggins than from any other
horse in the West at that time.
His final owner, Charley Camp,
took Muggins with him into retirement
to California. But both found living near
suburbs difficult. Camp persuaded offi-
was well fed and pastured in a lush
meadow. Expert horsemen vied to
exercise him.
Before he was buried, his neck and
head were mounted by a taxidermist.
The stockyards donated the mounting

W hat a horse he must have been!

At the turn of the century, when

thousands of range horses were still
used in the cattle business, Muggins
became the most famous of them all.
he was among cattle. Moore took him
for his own mount.
Muggins’ obituary said he was
cials of the Los Angeles Union
Stockyards to provide Muggins a home.
At the stockyards, he was always
to the Wyoming State Museum, where
it hung for half a century as a tribute
to the intelligent cooperation between
trained by famous hired gun Tom treated with the respect of a star. He a cowboy and his mount. ■
Horn. But history proves that was
another of Horn’s exaggerations.

Horses in Wyoming. Senior Voice file photo.

At the time of his death in 1928, he
was known throughout America as a
neck-reined wonder.
Foaled in Oregon in 1890, the
beautiful chestnut was driven with his
mother and a remuda of mares and
colts to Cheyenne, Wyoming. As a
three-year-old gelding, he was
purchased by the Swan Land and
Cattle Company, and their Horseshoe
2 Bars brand was placed on him.
Muggins was trained by two
cowboys named Thernal and Roach,
who realized that he moved instinc-
tively with only the pressure of the
reins on his neck.
Muggins was Moore’s top horse
for 17 years, during which time
Moore worked him on the range and
exhibited his skills at rodeos, parades
and in movies. Working on the range,
it was said that more cattle were roped

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14 • July 2007 • The Senior Voice

Remembering Elvis Presley

By Joanna Biggar surrounding the star who filled the size cuts to preachers and other authorities appointments of gold, stained glass
12-D blue suede shoes. denouncing the evils of rock and roll. and lightning-flash motifs. There is a

E lvis Presley’s home in Memphis,

Graceland, is a place of gold, glitz
and gaud.
In a way that could out-Hollywood
Hollywood, everything about the
mansion (purchased by the 22-year-
old Presley in 1957 for $100,000 cash)
is larger than life—from the suspen-
sion of taste to the mythical sense
Visiting Graceland is like revis-
iting adolescence, when every Elvis
gyration was an act of rebellion.
One line he crossed was the belt-
line, forcing on America the facts of
life below the waist. And a short film
shown at Graceland makes that point
with scenes of screaming teenagers in
front of the swiveling King, before it
Another line crossed by Elvis, the
poor Southern boy, was the color line.
His music, with its strains of Memphis
Beale Street blues, Grand Ole Opry
and gospel, paid homage to his local
roots and the black musicians who
were so much a part of the heritage.
And lest one forget it, at Graceland
the voice of Elvis is everywhere,
room with peacock decor and
peacock blue drapes, a turn-of-the
century billiard parlor with 400 yards
of fabric on the wall and ceilings, and
the jungle room with skin-covered
furniture and the throne-like chair to
remind Elvis of Hawaii.
Versailles may have its Hall of
Mirrors, but Graceland has its Hall of

Rocky Mountain Travel King

FALL CARIBBEAN CRUISES

November 30-December 8, 2007. Aboard the Crown Princess.
7 Day, Southern from San Juan. Air Denver San Juan RT.
7 Day cruise, transfers, taxes & 1 nt. hotel.
ALL-INCLUSIVE: INSIDE ( JJ) $1419 PP • BALCONY (BB) $1649 PP
PANAMA CANAL CRUISE
November 29-December 10, 2007. Aboard the Coral Princess.
All-inclusive fares: airfare, pre-hotel, transfers, 10 day cruise, taxes.
INSIDE $1793 PP • OUTSIDE (H-G) $1849 PP • BALCONY (BC) $2149 PP
(Hosted by Sylvia Mucklow)

CANADA & NEW ENGLAND CRUISE

September 15, 2007. Aboard the Crown Princess.
NYC/NYC 7-day “guaranteed”.
FROM: $599 PP INSIDE STANDARD • $649 PP OUTSIDE FULL OBSTRUCTED
Other dates: September 22 & 29; October 6 & 13, 2007

MEXICO CRUISES
October 14, 2007 - Mexico 7-Day. Aboard the Dawn Princess.
$$ off early booking discount.
FROM: $499 PP INSIDE STANDARD • $599 PP OUTSIDE FULL OBSTRUCTED
Other dates: October 7, 21 & 28; November 4, 11 & 25, December 2 & 9, 2007
September 29, 2007 - Mexico 7-Day. Aboard the Golden Princess.
Best available.
FROM: $549 PP INSIDE STANDARD • $599 PP OUTSIDE FULL OBSTRUCTED
Other dates: October 6, 13, 20 & 27; November 3, 10 & 24, December 1, 8 & 15, 2007 Elvis Presley’s home in Memphis (Graceland) continues to draw
ALASKA CRUISES crowds years after his death. Maturity News Service.
August 18, 2007. Aboard the Sapphire Princess. crooning, rocking, crying: Gold, a narrow room lined on both
Gulf 7-day “guaranteed”.
FROM: $499 PP INSIDE STANDARD “You can knock me down, step on sides with gold and platinum albums
Other dates: July 9 & 21; August 4, 11 & 20; September 1, 3 & 8, 2007 my face, Slander my name all over the of the only recorded voice to sell a
September 2, 2007. Aboard the Sun Princess. place, Do anything that you want to billion records.
Inside passage 7-day, $$ off early booking discount.
do, But uh’ uh’ honey lay off of my Then there are the photos and
FROM: $599 PP INSIDE STANDARD • $799 PP OUTSIDE FULL OBSTRUCTED shoes, Don’t you step on my blue costumes, recording the transformation
Other dates: August 18, 25 & 26; September 1, 8, 9, 15 & 16, 2007
September 8, 2007. Aboard the Golden Princess. suede shoes.” of the young boy who swayed in tight
Inside passage 7-day “guaranteed” At the entrance to Graceland Plaza pants and open shirts while he sang the
FROM: $599 PP INSIDE STANDARD • $699 PP OUTSIDE FULL OBSTRUCTED are the movie theater, the customized hazards of “Heartbreak Hotel” and
Other dates: July 28, August 4, 25 & 26; September 1, 2, 9, 15 & 16, 2007
touring bus and automobile museum. begged “Don’t Be Cruel” to the older,
Princess Ship’s Registries — Bermuda & Gibraltar Here there are 20 of Elvis’ cars, flamboyant star with sideburns, bejew-
All rates are per person based on double occupancy and may change without notice.
Fares are cruise only unless listed as all inclusive. including the famous ‘55 pink eled jumpsuits, capes and flashy rings.
cadillac, motorcycles, motorized toys Outside the mansion in the
Book with experience. • Book early and avoid missing out! and a mock-up drive-in 50’s style. Meditation Garden, with its hearts,
Plan Your Family Reunion with RMTK! There are also shops selling music flowers and inscribed tombstones, are
and memorabilia, restaurants, a post the graves of Elvis and his family:
970-484-5566 office and visitors’ center. Across the grandmother Minnie Mae Presley and
800-525-5306 busy highway, where visitors are parents Gladys and Vernon Presley.
516 S. College Ave. • Ft. Collins, CO 80524 taken by bus, is the mansion itself. Its And if the King ever pleaded “Love
rmtk@frii.com decor is just this side of high Trumph Me Tender,” it’s clear that the plea is
Visit us at www.rkymtntravelking.us while the costumes on display might still heard here. Fan clubs from around
have inspired Liberace. the world continue to send cards,
Inside are the 14 TV sets and flowers and other signs of devotion. ■
 The Senior Voice • July 2007 • 15

Colorado Crosswords By Tony Donovan

“The entire staff at
Kirk Eye Center is so
caring. I have become
friends with everyone
here.”
— Claude Earl Kissack
Berthoud

Earl Kissack doesn’t let his struggle with diabetes keep him
from experiencing life. His home in rural Berthoud allows him
to enjoy gardening, farming and working with his horses.
Making sure that his eye health is taken care of is an essential
and regular process.
Another eye doctor who wasn’t experienced to handle the
problems caused by diabetes referred Earl to Dr. Kirk. Once a
ACROSS 55. “Born in the ___,” Springsteen hit month Earl comes in to have his eyes checked. He also meets
1. Fishing and water sports area near 56. Teen’s exclamation upon seeing something John W. Colvin, OD & with another specialist who comes to the Kirk Eye Center to
Loveland “cool” (3 words) John D. Kirk, MD, FACS help keep Earl’s eyesight stabilized.
7. 555 ÷ 5 = ? (Roman numerals) “Dr. Kirk really takes time to get to the bottom of any problems
10. Opposite of “aweather” at sea DOWN that I am having. He has done several laser surgeries for me,
11. Coffee holder 1. What cows do in the spring and takes the time to make sure that I have the best eyesight
12. ___ Packer was berated by a judge who 2. TV’s friendly ogre that I can. The staff calls to check on me regularly. The quality
supposedly said, “There was only six 3. Ships nemesis in storms of treatment, the commitment to optical health and the respect
4. ___ Haute, IN 3650 East 15th Street for patients at Kirk Eye Center is absolutely the BEST!”
Democrats in Hinsdale County and you ‘et
5. Former Aspen resident Ken of Enron Loveland, Colorado
five of ‘em.” If you’d like to see your future more clearly choose Kirk Eye
14. Joplin milieu infamy 669-1107 Center as your eye care provider. You’ll be glad you did.
15. “___ Willy,” 1993 orca flick 6. Spooky
7. Slide a smooth stone on ice in front of
16. Apt description of many nights in the
someone with a broom w w w. K i r k E y e C e n t e r. c o m
mountains
19. Ford mistake 8. “Although the injury looked serious, no
___ ___ ___ showed anything
21. Drew or Mariah
9. Gerund ending
23 Silver ___ near the Eisenhower Tunnel
13. Somewhere you might find an oracle
25.
27.
“All Things Considered” venue, briefly
Button engraving on a seaman’s coat
16.
17.
___ Pass on Hwy. 14
Charlemagne’s empire, briefly
Why drive across town
29.
30.
31.
Doorbell alternative
Stagnant pond surface coating
Ceran and Marcellin of Bent’s Fort trading
18.
20.
Broncos’ pro bowler John ___.
Town founded in 1858 at the confluence
when you can
35.
fame
Investment vehicle involving real estate, for 21.
of Cherry Creek and the South Platte
River
The___ and Toltec Scenic Railroad oper-
walk across the hall?
short ates between Antonito and Chama, NM
36. Logan County locale between Sterling and 22. Clear tables
Julesburg 24. County between Elbert and Kit Carson
37. Book jacket info, briefly counties
38. A bit of work? 26. Spanish word for “town,” this site was near
39. “___ ___ in sight” the confluence of Fountain Creek and the
40. Pitcher Hershiser and others Arkansas River and named for an adobe
42. Lincoln County winter oasis often for trading post close by
stranded travelers on I-70 28. Decorations for a party or parade
46. ___ Bells, oft photographed site near 29. Name on yellow earth moving equipment
Aspen 30. T-bones or ribeyes (abbr.)
48. Alec Guinness was one in Star Wars 32. “Mortis” preceder
49. Sushi fare 33. Lots
51. ___ de Cristo Mountains in southern 34. Nickname for baseball’s Boston or Chicago
Colorado 39. Beginning of a “Nazi?”
53. Chair or rest lead-in 41. ___ National Forest in NW Colorado
54. Chief ___ exit on I-70 west of Denver named for Colorado’s first governor The reception room
43. ___ Springs is in Clear Creek County
ANSWERS 44. Major’s opposite at Allnutt.
45.
47.
Cheyenne Mtn. Group
Feminine sounding town near Fairplay While we’ve built our reputation on Since 1886
49. ___ de cologne compassion, we’re becoming more and more
50. Carson who died at Ft. Lyon in 1868 known for our convenience. A big reason for 650 West Drake Rd. • Ft. Collins
52. Cookie selling org. founded in 1912 by (970) 482-3208
that is our reception room. An ideal space
Juliette Low, briefly 2100 N. Lincoln Ave. • Loveland
in which to greet guests, create unique
Colorado celebrations and share fond memories. We
(970) 667-1121

Crosswords can cater a favorite meal all while helping 702 13th Street • Greeley
(970) 352-3366
establish a mood of reflection or revelry.
are created exclusively And what may be the best part of all is that 1302 Graves Ave. • Estes Park
©2006 MKJ Marketing

for The Voice by Tony we cannot only do it within your budget, (970) 586-3101
Donovan, who lives in Loveland. we can do it within our building. Call or www.allnutt.com
visit to see how we can help you.
16 • July 2007 • The Senior Voice
Hospice Opens New Events and Exhibits
Office in Windsor J
By Cynthia Hayes
H ospice of Larimer County’s
Windsor office opened June 4.
The branch at 1226 West Ash
Street, Suite B, will serve as an
operational hub for Hospice of
Larimer County Chief Executive
Officer Jean Hall, administrative
and clinical staff, and volunteers
who attend to patients with life-
limiting illness and their families in
western Weld County.
Additionally, the Windsor office
will provide a community resource
and counseling center, offering grief
and loss support groups, counseling
and resources for bereaved Weld
County families, and anyone in the
community who is experiencing a
loss from death or serious illness,
regardless of whether they have
been a patient or family member
served by Hospice of Larimer
County. Information about grief and
loss groups and classes can be
“Dedicated to Serve”
Locally Owned and Operated Since 1959
MILO BOHLENDER GARY BOHLENDER
VAUNDEEN BOHLENDER-BACHUS
121 WEST OLIVE • 482-4244
obtained by calling (970) 674-9988.
Full programs and services will
continue at the Hospice of Larimer
County main office in south Fort
Collins at 305 Carpenter Road.
“As Northern Colorado has
grown, we have continued to expand
our service area in order to provide
hospice care and services wherever
the need exists,” said Jean Hall. “We
have long been traveling to care for
patients who live in Weld County,
and Weld County residents have
been traveling to Fort Collins to
participate in our support groups,
counseling and classes.”
The Hospice of Larimer County
Windsor office is the only commu-
nity-based non-profit hospice
agency with an office in Windsor,
and it will continue to provide
hospice care and loss counseling
services to anyone in the communi-
ties, regardless of their ability to pay.
The Windsor office phone number is
(970) 674-9988 ■
1525 Riverside, Suite-B
Fort Collins
uly events at the Red Feather Lakes
Library:
• July 7, Friends of the Library book
sale.
• July 12, Library volunteers work-
shop. The Library welcomes
volunteers.
• July 12, Travelogue: Arizona
National Parks, including the Grand
Canyon and Saguaro, by Margie and
Larry Caswell.
• July 13, Special Story Hour: Be a
rock detective, by Margie Caswell.
• July 14, Mountain biking basics
workshop with local mountain bikers.
• July 17, Children’s program: make a
mask class.
• July 18, free computer basics class,
by Lynette Perry.
• July 25, library board of trustees
meeting.
• July 28, ice cream social.
Ongoing Events include Story
Hour every Friday, Summer Reading
Program, Knit & Stitch, Writers
Group, and Watercolor Society. Also
Ruth’s Art Gallery: Photography by
Adrian Davis. Call 881-2664.
The Fort Lupton Museum will
present a pottery exhibit throughout
July and August at 453 First Street in
Low Ranking for U.S. Health Care
R esearchers at the Common-
wealth Fund say health care in
the United States doesn’t compare
well with care in England, Canada,
Germany, Australia and New
Zealand.
We spend far more on health care
per person than others but rank near
the bottom for quality of care, access
to care and efficiency of care. The
other countries have government-
run, tax-supported systems that
insure all citizens. We also have
millions of citizens who have no
Research on Skin Cancer
D o people with dark skin have to
worry less about skin cancer?
No, they can get deadly skin
cancer (melanoma), and in fact are
more likely to die from it than
people with lighter skin.
Recent studies reported in the
Archives of Internal Medicine and
the Archives of Dermatology say
dark-skinned people have a lower
risk of skin cancer, but they get
more aggressive forms of it. That
may be in part because they think
Fort Lupton. You can exhibit your own
ceramics or china. Call 303-857-1634.
The Poudre Canyon Volunteer
Fire Department will host its annual
Barbershop Quartet Show, August
25, 7 pm, at the Indian Meadows
Resort, 29839 Poudre Canyon
Highway (30 miles up Poudre
Canyon from Ted’s Place).
This year’s show includes five
barbershop groups: Rapport from
Denver; UltraSoniX from Denver; 24
Karat Ring from Denver; Classic
Knights from Longmont; and Best
Regards from Loveland.
Other events that evening include
a raffle for quilts made by Poudre
Canyon residents, an impromptu
performance by all the barbershop
groups, and desert. Cost for the event
is $10 a person. Call Laura Stahl, 970-
881-2929.
The Drylanders Museum at 775
3rd Street in Nunn depicts the settle-
ment of the northern Colorado high
plains. Exhibits include a covered
wagon, livery stable, homestead
shack, blacksmith shop, native Indian
exhibit and other items. Free and open
Sundays 1-5 pm or by appointment.
Call 970-897-2356. ■
family doctor who can follow their
health issues closely.
Those things cause problems,
said researcher Karen Davis: “Our
failure to ensure health insurance for
all and encourage stable, long-term
ties between physicians and patients
shows in our poor performance on
measures of quality, access, effi-
ciency, equity and health outcomes.”
She added, “In light of the signifi-
cant resources we devote to health
care…we should expect the best,
highest performing health system.” ■
they do not need skin protection and
overlook the warning signs of
melanoma.
Researchers found that blacks,
Asians, Hispanics and American
Indians were more likely to have
late-stage melanoma than lighter-
skinned people. And they had a
lower survival rate from melanoma.
Even though their darker skin
can filter out more ultraviolet radia-
tion, they still need sun block lotion
of SPF 15 or more. ■
 The Senior Voice • July 2007 • 17

Laughter: Best Medicine

Dear Abby:
I’ve never written to you before,
but I really need your advice. I have
suspected for some time that my wife
has been cheating on me. She has been
going out with “the girls” a lot
recently, but when I ask their names
she always says, “Just some friends
from work.”
I decided to hide in the garage
behind my golf clubs so I could see
if she really came home with “the
girls.”
While crouching behind my
clubs, I noticed that the graphite
shaft on my driver had a hairline
crack right by the club head.?
Is this something I can fix myself
or should I take it back to the pro
shop?
Ralph and Edna were patients in
a mental hospital. One day while
they were walking past the hospital
swimming pool, Ralph suddenly
jumped in and sank to the bottom.
Edna jumped in and pulled him
out.
The director saw this and decided
Edna was sane enough to be
discharged. He told her, “I have good
news and bad news. I think you’re
mentally stable, and I’m going to let
you go home.”
“What’s the bad news?”
“After you pulled Ralph out, he
went back to his room and hung
himself with his bathrobe belt.”
“He didn’t hang himself. I put
him there to dry. When do I go
home?”
Sleeping Beauty, Tom Thumb and
Quasimodo applied to be in the
Guinness Book of Records.
Sleeping Beauty emerged from
the interview and said, “They’re
entering me as the most beautiful girl
in the world.”
Tom Thumb emerged and said,
“They entering me as the smallest
man in the world.”
Quasimodo said, “I’ll bet they
enter me as the most disgusting
person in the world.”
He emerged from the interview
and said, “Who the hell is Rosie
O’Donnell?”
Two men were sitting next to
each other at a bar. One says, “I can’t
help but think, from listening to you,
that you’re from Ireland.”
The other says, “Aye, that I am.”
“So am I. And where abouts from
Ireland might you be?”
“Dublin, I am.”
“So am I.”
“Sure and begora. And what street
did you live on in Dublin?”
“McCleary Street.”
“Faith and it’s a small world. So
did I. And to what school would you
have been going?”
“St. Mary’s.”
“What year did you graduate?”
“In 1984.”
“The Good Lord must be smiling
down upon us. I can hardly believe
our good luck at winding up in the
BEFORE...
same bar tonight. I graduated from
St. Mary’s in 1984 my own self!”
Another man walks into the bar
and orders a beer. The bartender says
to him, “It’s going to be a long night.
The Donovan twins are drunk again.”
Two men were at a coctail party.
One pointed to a man across the
room and said, “He runs a hedge
fund and is worth over $1 billion.”
The other said, “He’ll never have
what I have.”
“What’s that?”
“Enough.” ■
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18 • July 2007 • The Senior Voice
Beware of Travel Scams
By Barbara Read
Better Business Bureau
T he Better Business Bureau
advises consumers to be on
guard for vacation and travel related
fraud, which costs travelers more
than $10 billion annually. Out of the
3,900 industries the BBB monitors,
the travel industry consistently ranks
in the top 25 for number of
complaints.
Unscrupulous marketers make
their pitch via unsolicited telephone
calls, e-mails and direct mailings, and
some also use Internet pop-up adver-
tisements. Bait-and-switch tactics
account for many complaints.
Promotions advertise rock-bottom
prices but hide fees until contracts are
signed or initial payments are made.
Some firms promise luxurious
accommodations and services but
deliver far less.
Don’t be fooled by professional-
looking Web sites or e-mails. Few
legitimate businesses can afford to
give away services of real value or
substantially undercut other compa-
nies’ prices.
Ask detailed questions and get it
in writing. Get names of airlines,
MARK YOUR CALENDARS FOR
September 12, 2007 • 9 am-4 pm Delay Your Social Security?
AN
3RD L
NUA
Big
and Bger
e
in 200 tter
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people to begin drawing their
Social Security at age 62, and most
7 Americans do. But at least one says
Admission to waiting until age 66 or 70 is better if
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percent a year from age 62 to 66,
and 8 percent a year from 66 to 70.
Nelson Riddle That’s a higher percentage than most
Orchestra
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Presented by:
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chronic health conditions do not
take the medicines their doctors
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other medical journals.
NORTHERN COLORADO’S LARGEST SENIOR EXPO That includes people with serious
For More Information Call: 970-461-2609 conditions such as heart problems,
Presented by: breast cancer, osteoporosis and
epilepsy. For instance, about 30
percent of patients taking daily or
weekly osteoporosis treatments quit
six to 12 months after they begin.
hotels, car rental companies and
travel providers. Consider
contacting these businesses directly
to verify arrangements. Always ask
for confirmation of your travel
arrangements in writing and be sure
you receive copies of cancellation
and refund policies.
Pay with a credit card and avoid
deals that require you to book 60
days in advance. Credit card compa-
nies may allow consumers to dispute
a charge within 60 days of purchase.
Representatives from eBay also
caution consumers against paying
with personal checks and strongly
recommend paying with a method
such as PayPal that has built-in
protection measures.
Contact the BBB if you are a
victim of fraud. The BBB helps
consumers and businesses through
complaint and dispute resolution
services. Ultimately, consumer
complaints expose bad businesses
and help other consumers avoid
becoming victims of vacation and
travel-related fraud.
For additional consumer tips,
visit www.mountainstates.bbb.org
or call 970-484-1348 in Fort
Collins. ■
people can get on bonds and other
conservative investments.
For example, a 55-year-old
person making $75,000 would get
$15,888 a year in Social Security at
age 62. If he waits until age 66, he
will get $21,768; and if he waits
until 70, he will get 29,436,
according to Kotlikoff.
He admits that many people
cannot afford to wait, and they should
take Social Security at age 62. ■
Researchers think the main
reason people do not take their
medicines may be a fear of side
effects, though no one is sure. One
study found that 22 percent of breast
cancer patients stopped taking
tamoxifen within a year even
though they had been told to take
the medicine for five years.
Even wealthy, well educated
patients often do not follow their
doctors’ advice about medicines.
■

Our Health Care System
By Lois Hall
T he U.S. health care system is “a
dysfunctional mess,” says Dr.
Ezekiel Emanuel in a recent issue of
the Journal of the American Medical
Association.
He is chairman of the ethics
department at the U.S. National
Institutes of Health (NIH). His
opinion and that of others contradicts
the popular belief that we have the
best health care system in the world, a
view that many Americans have held
for years.
Recent research by the
Organization for Economic Coop-
eration and Development says the
U.S. spends more than twice as much
per person on health care as other
industrialized nations but has higher
infant death rates, higher diabetes
rates, fewer physicians per 1,000
people, and shorter adult life spans.
Research by the Commonwealth
Fund says the U.S. is at the bottom of
six industrialized nations for safe health
care. A report from the World Health
Heart Attack or False Alarm
CT scans might be better than the
usual electrocardiograms and
blood tests used by emergency rooms
to determine if a patient with chest
pains is about to have a heart attack.
That was the conclusion reported
in the Journal of the American
College of Cardiology by researchers
at William Beaumont Hospital in
Michigan.
The researchers said the CT scan,
which is done in a few minutes, is
Prostate Cancer Treatments
M edical researchers recently
compared the effects of two
common prostate cancer treatments:
surgery to remove the prostate, and
radioactive seed implants.
They surveyed over 400 men for
up to 24 months after treatment and
found that men who had surgery were
more likely to experience impotence
and urinary incontinence. Those who
had radioactive implants were more
likely to experience urinary
The Senior Voice • July 2007 • 19
Organization rated the U.S. 37th out of
190 nations for health care quality.
The U.S. does rate better than
other countries in a few respects.
Breast cancer treatment is better, say
researchers. Some preventive meas-
ures like colonoscopies are better.
More new medicines are developed
here than in other countries because
we do not have government limits on
what drug companies can charge for
their products— though the absence
of limits turns out to be a negative for
millions of Americans who cannot
afford the high cost of medicines.
We have some great hospitals,
such as Johns Hopkins and the Mayo
Clinic. But most Americans cannot
afford them.
In the past, when Americans criti-
cized drug prices and other things,
politicians often said, “Ah, but we
have the best health care system in the
world.” “If a politician declares that
the United States has the best health
care system in the world today, he or
see looks clueless rather than patriotic
or authoritative,” said Dr. Emanuel. ■
quicker and cheaper than the the usual
treatment that requires 24 hours in the
hospital. About 65 percent of such
emergency room cases turn out to be
false alarms; the patient did not have a
heart problem.
Other researchers, however, ques-
tion whether CT scans will become
common practice for such procedures.
The scans require advanced CT tech-
 15 convenient locations for pick-up
nology and specialists that many  Serving Fort Collins, Loveland,
hospitals do not have. ■
Greeley, Windsor and Longmont
 Door-to-door service also
available
frequency, urinary urgency, and pain.
Men with seed implants reported a
better quality of life immediately after
treatment; but after 24 months, those
with surgery reported a better quality
of life.
The cost of each treatment was
similar: about $10, 700 for seed
implants, $11,600 for surgery. The
study was reported in the International
Journal of Radiation Oncology,
Biology, Physics. ■
20 • July 2007 • The Senior Voice

Rare Disease Linked to Cancer

M yositis is a fairly rare disease
that causes extreme weakness,
muscle swelling and inflammation,
according to researchers at Johns
Hopkins Bayview Medical Center.
It is often not identified by doctors
even though medical scientists have
known about it since the early 1900s.
It is an autoimmune disease in which
the body’s immune system attacks
healthy tissue, somewhat like the way
Columbine cares for seniors rheumatoid arthritis works.
It is often mistaken for symptoms
of ageing or depression, and one
study says that the average patient
with myositis sees seven doctors
before getting an accurate diagnosis.
There are various forms of
myositis (pronounced my-o-SIGH-
tis), and some are often associated
with cancer in the lungs, breast, ovary
and colon. Researchers are trying to
determine the link between myositis
and cancer. ■

caring Brown Sugar More Nutritious?

heritage I s brown sugar more nutritious than
white sugar?
No, says the U.S. Department of
Agriculture. Both contain basically
family the same amount of calories.
Manufacturers simply add
Introducing our new logo molasses to white sugar to give it a
different texture and taste. Sometimes
they call it “raw sugar,” but that is
www.columbinehealth.com merely sugar that has not been fully
refined—still no more nutritious.
The molasses does add a few
minerals that white sugar does not
contain: calcium, potassium, iron
and magnesium. But these occur in
such small amounts that there is no
real nutritional value.
The Department of Agriculture
says white sugar contains about 17
kilocalories per teaspoon, and brown
sugar contains about 16 kilocalories
per teaspoon. The molasses in brown
sugar does affect baked goods and
gives them a different taste. ■

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Strange Names for Kids
By Bill Lambdin
S ome people give their children
strange names.
Researchers have discovered one
young lady named Dagmar Sewer,
another named Julie Barefoot, and
one called Mary Lou Wham. Little
boys have been named Ansen B.
Outhouse, Oscar R. Apathy, and
Emil E. Buttermilk.
In the 1800s, South Carolina
Governor William Gist patriotically
christened his son States Rights. The
boy graduated from Harvard in
1852, joined the Confederate Army
in 1961, and was killed at the Battle
of Franklin on November 30, 1864.
And that’s what happened to States
Rights.
For those who wonder where E
Pluribus Unum went, he was
discovered in Oklahoma City with
the last name of Husted. But if E
Pluribus thought he had the most
patriotic name in Oklahoma, he was
wrong. That honor went to a Ponca
City resident in 1901 named Loyal
Lodge No. 296 Knights of Pythias
Ponca City Oklahoma Territory
SHOP WEDNESDAYS, WHEN THE
CURRENT WEEK’S AD AND THE
PREVIOUS WEEK’S AD OVERLAP.
ENJOY A DAY OF VIRTUALLY
TWICE THE AMOUNT OF SAVINGS.
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Smith. You wonder how the boy’s
mother called him to dinner.
Many actors have changed their
names to suit a Hollywood image.
John Wayne’s real name was Marion
Morrison; but what red-blooded
American would believe a rough-and-
ready cowboy could be named
Marion?
And how many women would
have found Tony Curtis so charming
if moviemakers had billed him by
his real name: Bernard Schwartz?
The same might have been true for
Cary Grant, whose real name was
Archibald Leach.
Names of places are also curious.
Chicago is from an old Indian word
meaning “skunktown” or a place of
bad smells. Sometimes Indians were
irritated by white settlers’ requests for
a name for everything and gave them
names that translated “That’s a river,
stupid.”
America used to be full of places
like Frazier’s Bottom, Boozerville
and Jackass Flats. Most of those
have given way to modern, blander
names. But there is still a Hot
Coffee, Mississippi; an Oblong,
Illinois; and a Gizzard, Tennessee.
Colorful names are nice to have,
but some pose problems. What do
Investment Questions
By Scott Burns
Financial Writer
Q: I just received a notice from
Fidelity about three new funds:
FLCEX, FLGEX and FLVEX, all of
which carry a 0.45 percent expense
ratio. Not one of these funds has a
track record yet. Do you know
anything about these that would
potentially make them worth the
extra expense versus a true index
fund, and can you comment on their
reference regarding “institutional
investment strategies
A: I believe many of the ETF
index offerings and enhanced index
mutual fund offerings flooding the
market will wither and die due to
poor trade-offs between perform-
ance, expenses and risk. With the
enhanced index fund strategies, rela-
tive risk is a central issue.
We won’t know about the new
Fidelity offerings until there is a
track record. When there is a record,
however, the first thing to check is
The Senior Voice • July 2007 • 21
John Wayne or
Marion Morrison?
you call residents of a place like
Michigan? They have been called
Michiganders, but that doesn’t seem
polite. Nor will it do to call Chicago
residents Chicagorillas, as some have
done.
The folks from Omaha at one
time did not object to being called
Omahogs, but lately they resent it—
as do the residents of Baltimore
when they are called Baltimorons.
But what do you call a person
from Maine besides a Mainiac? ■
whether any increase in return was
matched by an increase in risk, as
measured by standard deviation.
Q: I invested $4,000 in a traditional
IRA during the dot-com bubble. I
held stock of a local company that
was sold at pennies. My account is
now worth about $120. I don’t know
whether I can take out that money
and declare a loss on the stock. Or
should I keep the money as is and
painfully watch it grow to $150 over
the next 20 years?
A: You can’t take a loss because
IRAs hold pre-tax income. This is
one of the reasons we should never
use qualified plan money for specu-
lative purposes.
If you’re going to speculate, do it
in a plain vanilla taxable account.
Then you can take losses and, if
necessary, deduct them (up to $3,000
a year) against earned income.
________________
You can send questions to:
scott@scottburns.com. ■
22 • July 2007 • The Senior Voice
Information on
Heart Attacks
By Bill Lambdin
W hen it comes to heart prob-
lems, only about half of the
people who need treatment get it,
and half of those who are treated get
the wrong treatment.
That’s the conclusion of some
researchers who say we could
greatly reduce the number of heart
attack deaths if we simply did what
medical scientists know should be
done.
More than 16 million Americans
have heart disease, and nearly
500,000 die from it each year,
according to the National Institutes
of Health. Many of those deaths
occur becauses victims do not get
treatment soon enough.
When warning signs occur, a heart
attack victim needs hospital treatment
within one hour to open arteries and
avoid permanent heart damage. Fewer
than 10 percent of victims get to a
hospital that soon. Many call a rela-
tive or friend and wait for them to
arrive and discuss whether hospital-
ization is needed. Some attempt to
drive themselves to a hospital instead
of calling an ambulance.
And those who do get to a
hospital soon enough often do not get
the right treatment because the
hospital is not able to give it. Many
hospitals that try to treat heart attack
victims actually lack the medical
specialists and equipment needed to
do so, according to Dr. Elizabeth
Nabel at the National Institutes of
Health. Of the 5,000 acute care
hospitals in the United States, only
1,200 provide angioplasty, a treat-
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maintenance and small pets are welcome.
USDA-RD
ment needed by many heart attack
victims.
Patients in rural areas should
probably talk in advance with their
doctor about the possibility of being
transferred to a hospital with
adequate facilities in case of a heart
attack, said Nabel. In some places,
that is possible by helicopter.
But patients themselves are most
to blame for inadequate treatment.
Many stop taking their heart medi-
cines even after their doctors tell
them they should continue the medi-
cines for the rest of their lives.
Others are not careful about taking
the right doses; they do not follow
dietary advice, lose weight or exer-
cise—all things that researchers
know will reduce the number of
heart attack deaths.
Many do not really recognize the
warning signs of a heart attack. They
think it means acute chest pain when
actually it’s usually just chest pres-
sure, a feeling of heaviness and
shortness of breath.
Other signs are discomfort in the
neck, arm, jaw or stomach. Also
nausea, shortness of breath, cold
sweats, exhaustion, blue lips, blue
hands or feet.
Mature people, especially
women, often have less obvious
symptoms. They may notice only a
sudden feeling of exhaustion and
attribute it to something else. They
may barely notice the chest pressure
or attribute symptoms to something
they ate.
So mature people need to pay
special attention to heart attack
symptoms, say experts. ■
Equal Housing
Opportunity
New Research on
Eye Disease AMD
By Peggy Hunt
M ature people concerned about
vision loss from age-related
macular degeneration (AMD) might
consider taking high doses of vitamin
E and beta carotene, according to
some researchers and a report by the
National Eye Institute, which exam-
ined 3,600 people with AMD in a
six-year study.
About 13 million Americans,
mostly over age 60, have AMD; and it
is the leading cause of blindness
among mature people. The most
popular vitamin treatment for it is
Bausch & Lomb’s PreserVision,
which uses two pills containing more
than 1,000 percent of the daily recom-
mended amount of vitamin E and
about 600 percent of the daily amount
of beta carotene.
The National Eye Institute study
said such treatments slowed vision
loss by about 25 percent. Another
product similar to PresrVision but
costing less is Ocuvite. Researchers
say vitamins may slow the progres-
sion of AMD but not cure it.
Another study reported in the
journal Archives of Ophthalmology
said the Omega-3 fatty acids found in
fish may reduce the risk of AMD. The
researchers said tuna and salmon are
among the best sources of Omega-3
fatty acids. The fish ideally should be
baked or broiled, and four ounces
should be eaten at least twice a week.
That study included over 4,500 people
ages 60 to 80 over a six-year period.
Yet another study reported in the
Archives of Ophthalmology says
vitamin D may also reduce the risk of
Shoulder Injury Exercises
A fter rotator cuff surgery, men
who want to regain maximum
strength and range of motion should
gradually build up to intense strength
exercises with free weights, according
to researchers at ATI Physical
Therapy, an Illinois based research
group.
Traditional physical therapy
involving range-of-motion exercises
works for most people who don’t
need or want to regain their full
strength. But for men who want
AMD. That study involved over
7,700 people.
AMD occurs when the macula,
located at the back of the retina, dete-
riorates with age. Researchers believe
that the growth of new blood vessels
in the retina may be a major cause of
the disease. Vitamin D may prevent
the growth of those blood vessels,
said researchers. The same benefit
may be derived from Omega-3 fatty
acids from fish and the other vitamins
(A and beta carotene).
British researchers believe they
might have a cure for age-related
macular degeneration within five to
ten years.
Using stem cells, researchers at
University College London,
Moorfields Eye Hospital in London,
and the University of Sheffield say
the treatment will be made possible
by an $8 million grant from an anony-
mous donor who was frustrated by
restrictions on stem cell research in
the United States.
British medical scientists have not
had such restrictions and have been
working on stem cell research for
years. The new treatment is intended
to benefit patients with so-called
“dry” macular degeneration.
A treatment for “wet” macular
degeneration already exists with a
product called Lucentis available
from Genetech, Inc. But that treat-
ment is successful only for about one
in ten patients, said researchers.
AMD affects millions of mature
people worldwide. Some researchers
think genetics may be involved, in
addition to other causes such as
smoking. ■
more, exercises with overhead
presses, squats and dead lifts were
recommended.
Study group participants, ages 19 to
59, gradually built up to workouts
lasting fours hours a day, five days a
week using free weights instead of
machines. At the end of the study, 96
percent of the men met or exceeded
their previous levels of job-related
functions before surgery. Two years
later, the re-injury rate was only seven
percent. ■
 The Senior Voice • July 2007 • 23

Humor: Academic Definitions

By Robert Munkres
• FACULTY: A collection of
academics who advance by degrees as
they learn more and more about less
and less, until they know almost
everything about practically nothing.
• SOCIOLOGY: The study of society
by those who (1) reject it, (2) disap-
prove of it, (3) don’t understand it, or
(4) all of the above.
• POLITICAL SCIENCE: A contra-
diction in terms spreading over more
than 90 odd sub-fields, some of which
are odder than others.
• BEHAVIORALIST: One for whom
counting is a prerequisite to
thinking— and frequently a substi-
tute.
• THEOLOGY: The study of the
sublime by the ridiculous.
• PHILOSOPHY: The area of special-
ization of those who seek to light the
lamp of truth but who cannot agree on
the definition of a match.
• ECONOMICS: A field in which
reality is defined by assumptions.
Economics is rarely taught below the
secondary level because children see
through it too easily.
• ZOOLOGY: The study of the
animal kingdom by its most recalci-
trant progeny.
• POLITICIZE: To shout instead of
Little Bo-Peep
to think; to engage the ego rather than
the brain.
Has lost her jeep
• CONSERVATIVE: One who,
having made it, wants to replace the It hit a tree
ladder to success with a greased pole.
• IDEALIST: One who sees the
world as you saw it when you were
When she went to sleep.
twenty.
• REALIST: One who sees the world
– Burma Shave
as it really is, in other words, as you do.
• LAW: One of the major profes-
sional exceptions to the truism that
practice makes perfect.
• FREE ENTERPRISE: An economic
philosophy based on the notion that
nothing is free.
• COMMUNISM: A political-
economic system in which the people
in theory own everything, but in fact
control nothing.
• CIVIL WAR: A contradiction in
terms.
• NATURALIZED CITIZEN: To be
distinguished from the native-born
citizen, who, one supposes, remains
unnatural.
________________
Robert Munkres lives in Estes Park
and has written numerous history
stories for The Senior Voice. ■

Buying Power.
People over age 50 have it.
• They have twice the spendable income of other
consumer groups (U.S. Consumer Research Center).
• They are the fastest growing segment of Northern
Colorado’s population (U.S. Census Bureau).

Advertisers have discovered it

pays to reach these buyers.

They read The Senior Voice every month.

Published locally since 1980.
Fort Collins/Greeley (970) 229-9204 • Loveland/Estes Park (970) 482-8344
24 • July 2007 • The Senior Voice

GRAND OPENING
Come Celebrate Our New
Cul-De-Sac and Model With Us!
Live an active life at Sunflower, a 55+ gated
community and secure your dreams. Navigate
yourself into the freedom of choosing each days’
adventures. Relax in the sun, go hiking, exercise,
socialize or whatever. We’ve got it!
• Active 55+ • Conventional
Community Financing
• No Rentals • Low $100’s
• Low Maintenance • Ranch style floor
• Expanded plans
Clubhouse • Gorgeous mountain
• Attached 2-Car views
Garage
Room
Exercise Pool Room
Visit our Model – Open 7 days a week
886 Pleasure Drive • Fort Collins
Coffee B
ar
You Earned It, You Deserve It!
MUST SEE NEW MODEL!
EXPANDED CLUBHOUSE!

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