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8/14/2019 The Senior Voice - November 2008
1/16
GhostTownIn NortherColorado
LongsPeakPioneer
Climbers
OutlawIn Early
Colorado
SkiingSteamboa
Springs
IndianAttack
On theOverland Tra
FortSaint
VrainNear Greele
NewLocal
HistorBook
NorthColorado
Money,Health an
News
VOICEThe Senior
N o ve m b e r 2 0 0 8
Local Attractions Scenic Places History Money Health News
8/14/2019 The Senior Voice - November 2008
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vember 2008 The Senior Voice
Question About Inheritance Taxon Rutz, Attorneyl Correspondent
ave not heard much about theth to death taxes movementy. Has the matter gone away?: Not really. There are tworent kinds of death taxes. Anritance tax occurs when theiver is taxed at a rate thatlly varies with how closelyed the beneficiary is to the
deceased and the value of theinheritance received.
An estate tax occurs when thesize of the deceaseds taxable estateis taxed regardless of who inheritsit. A few states like Nebraska havean inheritance tax. The federalgovernment and most states likeColorado have an estate tax.
Since Colorado basicallyfollows the federal rules, the plan-ning techniques used to minimize
federal taxes are also used toreduce the state tax bite.
How much can be passed on taxfree? Any amount can be left to asurviving spouse. Otherwise, thisyear a total of $2 million can be left,regardless of who inherits or howmany beneficiaries are included.
Next year the amount increasesto $3.5 million, followed in 2010by no tax on any amount. But in2011, the exemption drops backdown to $1 million.
In addition to having tax wills,planning devices such as the use ofa limited liability company (LLC)can cloak from tax exposure up to40 percent of what is placed inside.So $1 million of estate value mightonly be counted as low as$600,000 for taxable purposes.
Probably less that 3 percent ofthe population, even includingfarmers, need to fear death taxes ifproper planning is done.
Even if the current law is notchanged, the cost to do the plan-ning usually ranges from a fewhundred dollars to several thou-sand to have the proper documents
in place for your owndeath to death taxes.people who refuse to spthousand dollars to emillion dollars of taxes.
What makes up thestate? Anything owndeceased needs to beThus, items such asamount of insurance, cement accounts, annuipayments are payablespouse that survives dmust all be added.
Therefore, it is imcome up with a ballparof the taxable estate andthe proper estate documplace.
Death taxes are still wmay be around for a g
longer. But like a badco-existence is possibbeing overwhelmed.________________
Attorney Ron Rutz wquestions sent to 2625
Road, #180, Fort Co80526; email rutz@ronaOr call 970-223-8388.I
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8/14/2019 The Senior Voice - November 2008
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The Senior Voice Novem
Published Locally Sin
VOL. 28, NO. 1
email thevoice@fri
www.theseniorvoi
PUBLICATION INFORM
The Senior Voice newspapepublished locally the first of
since 1980 for residents age 50-
ADVERTISING
Ad deadline is 20th of m
For rates, call 970-229-
or see www.theseniorvoi
Wolfgang LambAdvertising DireAssociate Publis
Fort Collins
(970) 229-920
SALES OFFICE
Ft. Collins and Gr
(970) 229-920
Loveland and Estes(970) 482-834
EDITORIAL DEAD
Announcements and stor
received by the 10th of the m
the 20th of the month.
LETTERS TO THE ED
The Senior Voicewelcomes re
and contributions. Enclose a s
envelope and return postage to
Voice, 1471 Front Nine Drive,
CO 80525, or email thevoice@
Senior Voiceassumes no respo
damaged or lost material su
readers.
Copyright 2008
The Senior Voice
EDITORIAL OFFI
1471 Front Nine DFort Collins, CO
(970) 223-927email [email protected]
No material may be reprodu
means without permission of th
Dr. William Lambdin, P
ors Note: The following
unt of an Indian attack in 1865
e Overland Stage Line near
oga, Wyoming, was written by
. Hurt, who was involved in the
k.)
e J. Hurt
e Overland stage station occu-
ed ground on the North Platte
several miles below Saratoga.
there in June, 1865, when the
n had been cut off (by Indians)
Sulphur Springs west of us for
weeks.
ail after mail came in for the
until a great pile of it accumu-
One day our superintendent
ed to make a night run and get
mail through. That night threeoaches were piled full of mail
, and six horses were hitched to
coach.
here was a lady in camp on her
to join her husband in San
isco. When all was ready, she
ed so hard to be allowed to go
the superintendent finally
itted her to crawl on top of the
n one of the coaches.
was 11 at night when we
d out...I was a youngster at the
but was one of a party of eight
led to accompany the expedi-
s a guard.
othing had happened to us as
egan to break, and we began to
opeful we would make it
ut trouble. Vain hope!
e had as a driver of one of the
hes a man who went by the
of Heenan on account of his
strength. There wasnt a man
camp who could handle him...
ur road went up through aow canyon several miles
..As we were driving through
ust after daybreak, the Indians
ed fire on us.
t the first volley, two or three of
men were killed, and it was a
ng fight from there to the top of
anyon. At one time, it looked as
enans outfit was gone.
saw an Indian with a Colt
ver in his hands, lying prone on
ank of the canyon, his elbows
g on the ground, taking aim atan. He fired five shots in quick
succession, all of which struck the
box just behind Heenan.
The Indian saw he had not made
enough allowance for the motion of
the stage and mended his aim suffi-
ciently that the sixth bullet broke
Heenans right arm above the elbow.
It fell helpless at his side. But not
daunted, he caught all the reins in
his left hand and never slackened his
pace...
The sun was just rising as we
gained the head of the canyon and
drove out onto the level prairie. We
formed a corral of our coaches,
placed the horses inside it, piled the
mail sacks into a circular breast
work, and prepared to sell our lives
as dearly as possible...
What a horrible day that was!
A hot broiling sun, no water orshelter, and our little party
surrounded by yelling (Indians) who
all day long without intermission
rode around us, raining arrows and
bullets on us.
When any of our men were
killed, their bodies were piled on top
of the mail sacks to help keep out
the bullets. It was hard, but it was
necessary.
I have forgotten the ladys name,
but she had nerve. She was busy all
day loading guns and carryingammunition...Before night, the men
This pioneer cabin still stands south of Saratoga at the Encampment
Museum. Senior Voice photo.
worshipped her for her courage and
assistance.
About sundown, the devils
pulled off...Heenan said, Up now
and lets get out of this. Hitch up the
horses, throw in the mail and well
make another try at getting to
Sulphur Springs...
How we drove! And how our
nerves tingled! We were all nerves,
hopes and fears...and we drove like
the wind...
The Indians did not attack again
until we were about a mile and a half
from Sulphur Springs station, when
they opened another bombardment.
It was down hill to the station,
and we kept going as fast as we
could. The men at the station heard
the fighting, and when they rode out
to take part, the Indians retreated.We drove the last mile to the
station as fast as our horses could
run. Strange to say, we did not suffer
even a scratch from the last
bombardment.
And our brave lady did not suffer
injury in all the fighting, and lived to
join her husband safely in San
Francisco.
________________
COVER PICTURE: Cowboy on a
horse, courtesy the Wyoming
Tourism Office. For more photos,see www.wyomingtourism.org.I
ndian Attack in the 1800s
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vember 2008 The Senior Voice
New Local History Bookill Lambdin
Rabbit Creek Country is anew local history book onhern Colorado. It follows theof three people born in the lates: rancher John Elliott, his wifeand country school teacher
hine Lamb.hey lived in what is still a back-ry area called Rabbit Creek 20north of Fort Collinsabout
miles northwest of the oldrmore Hotel that stands on theFeather Lakes road.ne of the unusual things aboutlives was that Josephine Lambwith John Elliott and his wife
or 42 years, sharing their houseaccording to some people,
ably sharing Johns bed.uthors Jon Thiem and Deborah
on are not sure Josephine andhad a conjugal relationship, butal of the 100 people they inter-ed for the book said they did,ding relatives and neighbors.uch a relationship would have
unusual in those days, butphine Lamb was an unusual
womanattractive, independent anddetermined to have a ranch of herown, which John helped her acquire.
Born in 1897 near Fort Collins,she was valedictorian of her 1916high school class. She was offered afour-year scholarship to theUniversity of Colorado but couldnt
afford to attend and instead tookenough classes at the Greeley teach-ers college to become a gradeschool teacher.
When in high school, she wonfirst place at a statewide livestockjudging contest, beating 18 boys andbecoming the first young woman towin the honor. That was just one ofthe things that showed her determi-nation. She completed a bachelorsdegree at age 63 when she retiredfrom teaching.
She taught mostly in one-room
schools in the ranch country ofLivermore and the Laramie Rivervalley south of the Wyoming stateline. In 1918 she went to live withJohn and Ida to teach their eight-year-old son, and thats when theaffair might have started. She was22; John was 40.
All three people came from poorfamilies, but Josephines ranch wasworth $1 million when she died in1973. John and Ida eventuallyowned one of the largest ranches inthe area.
The conjugal relationship is notthe primary focus of this book, andIve dealt with only a small part ofthe story. Author Jon Thiem spentnearly 10 years researching the bookand told me he wanted to capture thelives of the people and give readersa sense of the time in which theylived.
It was a time different from ours,and the history of it needs to be toldso we can understand how the Westand our area were settled. I wantedto show the quality of their lives,said Thiem, the epic struggle of thepeople and the challenges they
faced.I think he succeeded, and Im
glad he captured part of our historythat is fast disappearing. The book isavailable at local bookstores for $30or from the University of NewMexico Press, call 800-249-7737,email [email protected].
________________ Bill Lambdin is the Doublespeak Dictiona American politics, and pThe Senior Voice n(www.theseniorvoice.netin Fort Collins. I
vember 2008 The Senior Voice
Rocky Mountain goes above and beyond to
help us provide quality care to our patients.
Call us today
888-251-1330TTY, call
800-704-6370To request more information
ww.coloradomedicareinfo.com
Exceptional Medicare Service
Dr. Donald Murphy counts on Rocky Mountains attentive servicefor his Medicare patients, saying You can always get a live person onthe line if you have questions. We like the focus that Rocky Mountainhas on seniors and their medical needs.
Rocky Mountain was founded in Colorado, so talking to us is liketalking to your neighbor across the fence, not a stranger across thecountry. And our Medicare coverage is affordable, like our Thrifty Planat $29/mo. We offer options for Medicare HMO, Stand Alone Part D andtraditional Medicare supplement plans.
As Dr. Murphy says Rocky Mountain provides excellent support
and benefits.
Donald Murphy, MD, Geriatric Medicine Englewood, Colo.
For medical benefit questions, we are open 8:00 a.m. to 5:00 p.m., Mountain Time, Monthrough Friday.
If you are hearing impaired and use TTY equipment, call 800-704-6370. Para asistencia en espaol llame al 800-346-4643.
For Part D prescription drug benefit questions, please call between 8:00 a.m. and 8:00 pMountain Time, Monday through Friday. From November 15 through March 1, we are aavailable 8:00 a.m. to 8:00 p.m., Mountain Time, on weekends and most holidays.
RMHP has had a Medicare contract since 1977.CMS101408 S5860 H0602 1609001 MCAd25MurphyFRMEDIGAP-2008-AD-MCAd25-1008
Josephine Lamb. From
Rabbit Creek Cou
8/14/2019 The Senior Voice - November 2008
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The Senior Voice Novem
mericans who seek treatment formental health condition often
that the insurer who will coverost of treating a broken bone wille to cover treatments for bipolarder or depression. When a
al illness is covered, deductibleso-payments are usually higher.s a result, many families have toxorbitant out-of-pocket expenses
mental health care. Mothers andrs wipe out their savings to getfor their children. Many familiesnkrupt.nally, thanks to the tireless
ts of many, Congress recently
d the Paul Wellstone and Peteenici Mental Health Parity andction Equity Act.his new law will require thatal health benefits covered byhealth plans be as accessible and
dable as other health servicesed, thus ensuring that deductibles,
co-payments and treatment limitationsare not more restrictive for mental
health services than they are for generalmedical services.
This is the second mental healthparity battle we have won this year. InJuly, thanks to our work on the SenateFinance Committee, we enacted amental health parity law that appliesto Medicare. Now we are extending itto private insurance with a nationallaw that complements the mentalhealth parity laws of states likeColorado.
By putting benefits for mentalhealth services on the same footing as
those for physical health, we areensuring that 113 million peopleacross the nation will have access tonon-discriminatory mental healthcoverage.________________You can call Sen. Salazars Fort
Collins office at 224-2200.I
Mental Health Law
Where CompassionMeets Integrity
New Patients Welcome
3950 John F. Kennedy ParkwayFort Collins 970.267.0993www.fortcollinsdentalarts.com
Alissa R. Ferguson, D.M.D.H. Arthur Missirlian, D.D.S.
When I moved to
Collins, I wanted a
who uses the latest
techniques for pain-f
quality dental care.
this with Drs. Miss
and Ferguson.They are excellent
Peggy
For
Perhaps the most beautiful thing about snow is watching someone else shovel iLet it snow. Let the wind howl. It doesnt matter. Not when you leave the work and worry of taking
care of a home behind, and trade it in for getting more out of life. Somewhere youre free to do what
you want. To make new friends. And feel a real sense of belonging. Senior living at Good Samaritan
Society Communities of Northern Colorado opens up a world of possibilties, without having to lift
so much as a shovel.To learn more about our senior living options, call 1-888-GSS CARE.
ByU.S. SenatorKen Salazar
8/14/2019 The Senior Voice - November 2008
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vember 2008 The Senior Voice
ovelands Early Daysrs Note: Early-day Loveland resi-
Althea Shields wrote the following
mbrance years ago.
thea Shields
y father, Alvin Shields, came toColorado the year of the Meeker
n Massacre in l879. Pa knewer.have always maintained Meekero blame. He tried to get the Utes toup their ground and farm. The
Utes had never farmed and didnt intendto start.
The Utes were around Loveland agood deal. They camped at the end ofWest 8th Street. This was elevated groundand they could see for miles around.
Pa never spoke of any trouble withthe Utes. They did not seem to be as
warlike as the Sioux, Arapahos andCheyennes.
I taught school on Bald Mountain atthe Pinewood School. I roomed andboarded with the Browns. The house
was built of logs. I had the second floorof the house.
There was no heat and there werecracks between the logs. One night itturned bitter cold and snowed. I had putmy clothes on a chair when I retired. Thesnow blew in and covered my clothes.
I shook the snow off my clothes,
dressed and went down to breakfast,which that morning was not much but drycorn flakes. Apparently the Browns hadrun out of government cow (elk meat).
Alice Grange was also teaching upon Bald Mountain when I was there. Shewas in the cattle business.
One day the superintendent decidedto go up to the school. Upon his arrival,there were no kids, nor Alice.
Alice had a dead cow, and she haddismissed school so the kids could helpwith the skinning job. The superintendentwasnt pleased, and Alice nearly got fired.
Her second husband was an uncle of
Red Grange. When she got married tohim, the neighbors decided to chivareethem.
Alice apparently did not approve.She went out with a shotgun and meantbusiness. The crowd left in a hurry.
There is a book by Isabella Bird, ALadys Life in the Rocky Mountains.Isabella undoubtedly had ability as a
writer, but the book is noauthentic. She was from Eng
She stayed with a famil
book goes by the name oThe Chalmers actuallyAlexanders and were relatthe book, she depicts thshiftless and ignorant.
This was not true of theThey were intelligent andThey could tell some storiethat werent very complimen
The Alice Grange men
this story. Loveland
Library.
Please join us to learn aboutthe state of the American Economyeach of us have in todays markets.
November 12, 2008
6:00 PMSod Buster Inn
1221 9th Ave Greeley, CO
Please RSVP to (970) 353-8800
*snacks and refreshments will be provided
nvestors should consider the investment objectives, risks, charges and expenses of a fund carefully
before investing. For a prospectus containing this and other information for the mutual funds offered
by Waddell & Reed, call your financial advisor or visit us online at www.waddell.com. Please read theprospectus carefully before investing. Mutual fund investing is subject to market risks, and it is pos-
sible to lose money by investing. Waddell & Reed, Inc. (10/08)
National Active and Retired FeEmployees Association
Estes Park: (970) 586-4713Fort Collins: (970) 221-5190Greeley: (970) 339-9734
Loveland: (970) 613-0399
Federal Employees & Retir
8/14/2019 The Senior Voice - November 2008
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The Senior Voice Novem
ROSSFed. Agency created in 1953 to grant orguarantee loans to Mom and Pop enter-prises, primarily (abbr.)
County seat of Jackson County and sourceof supplies for hunters and fishermen inNorth ParkWith #15 across, National Park founded in1906, which is home to Cliff Palace andSpruce Tree HouseSnitchedGroup of musicians who perform at theDenver Center for Performing Arts, brieflySee #8 across___ Canyon near BoulderMount of the Holy ___, near VailSummer coolersClear or free of something (with of)Fairchilds playersUsed to beTide type1950 Oscar winning role for Jose FerrerWoodwindSophia Lorens hubby, Carlo ___
Empire State Building climber, in filmIts capital is Vienna (abbr.)Buffalos coach or quarterbackMeaning, often, of a thumbs up motionor AmenTiger propPhrase before understand, or knowHis trading post on the Santa Fe Trail wasone of the most important in the WestProspectors transportsColorado county that touches Kansas,Oklahoma and New MexicoRetirement plan acronymNo problem!Holliday or Hawpe state (abbr.)Heavenly music makerFormer Bronco kicker and FamilyWhere a cruise ship might be when not inportColorados governor before Owens
Greeting in the hood
55. Berth place?56. Fall guys57. Info58. Atty. Gen. under JFK
DOWN1. ___ Springs2. Unafraid3. Wood of the birch family used in cabinet-
making5. Three term Colorado governor whose last
term lasted just 66 days6. Hippies drug, briefly7. Scooby ___8. Logan County community named for
sheep grazing in the area9. Make smaller in size, as a beach10. 60s political gp.11. Purported author of Dont count your
chickens before they are hatched.13. A doctor prescribes this15. Media room device, briefly19. VanBuren and Scorsese22. Denver mayor Hickenlooper opened this
microbrewery, Denvers first, in 1988: ___Brewery23. ___ Mother Cabrini was the first American
one25. This was the first town in Colorado to
have electric lights26. Town about 10 miles due north of #4
across named for a local resident28. ___ Vista (Chaffee County local which
means beautiful view)29. Sugary suffix30. Shoes and socks, for example31. #35 across in the Navy32. Home of the Baldpate Inn and its collec-
tion of over 20,000 keys38. Religious chess piece?39. Clint of the Rockies40. Founder of The Rocky Mountain News
and namesake for an Arapahoe Countytown
41. Bailey of the Broncos43. Ault neighbor44. Mr. Arafat46. Russian acronym, once48. Great Barrier ___50. Mauna ___ is an active volcano on Hawaii51. This might be tied over a Kimono52. Samovar
ANSWERS
Colorado
Crosswords
are created exclusivelyfor The Voice by Tony
Donovan, who lives in Loveland.
Colorado CrosswordsBy Tony Donovan
We are currently seeking individuals with energy toFlexible part time hours day or night.
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667-5239, Ext. 203
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8/14/2019 The Senior Voice - November 2008
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vember 2008 The Senior Voice
Massacre at Early Fort Near Greele
go to St. Louis to sell buffalorobes, he would leave his squawand child at the fort. Once some
ors Note: Greeley historian
l E. Johnson wrote the
wing story years ago.)
Hazel Johnson
Fort Saint Vrain marker can
be found about four miles of Gilcrest (south ofley), where the fort was estab-d as a fur trading post in 1837eran St. Vrain.
Many years ago, pioneerhall Cook wrote a manuscript
ut an incident at the fort.ording to him, an old Indianto make an annual visit to the
He would paint his face black,n the old adobe walls, and
rn and cry in a deplorablener, wrote Cook. At times
would tear his clothing tos and rave like a maniac.
At other times, he would swaybody from side to side andl like a wolf in agonizing
lamentations. Eventually I learnedfrom him the cause of his sorrow.
When Ceran St. Vrain would
Arapahos assembled neand discovered them.
The Arapahos cthem members of an enand they killed the schild.
St. Vrain returned athe situation. He kept a and invited all hiscustomers to a feast.
He had cannons mthe fort, plus 75 armed mIndians ate, the gates were closed, and the tplaced in a line of fire.
So sudden was ththat very few Indians emassacre. Among thoswas the old Indian, bufamily was killed.
St. Vrain cast the bowell until it was full, anrest in a corral. He angathered up the livevacated the fort, wastinheading for Bents Forsouth.
Other warriors latethe fort to take revengfind the place abandoexplained the old pilgrimage to the foCook.
No one knows if th
true, but strange thingson the frontier.I
An Indian family on the plains of Colorado in the 1800s. Photo Hazel E. Johnson Collecti
8/14/2019 The Senior Voice - November 2008
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The Senior Voice Novem
ey Model Railroad Museum
ne of the worlds largest working,l railroad displays, recentlyleted, has drawn visitors from 11
gn countries and 38 states. It has5,000 feet of HO gauge tracks, railroad artifacts, hundreds ofngs, and more. Fully functional,d at 680 10th Street, phone 392-
www.gfsm.org.
Feather Lakes Library
riting workshop by local writere Flanagan, November 1.logue Song of Ireland by Betters, November 13. Holidays crafthop by Debbie Joncas, Novemberlass on making greeting cards on auter, by Sarah Myers, Novemberoliday craft table and Santa visit foren, December 6. Call 881-2664.
and Christmas Concert
he GunnPoint Band will perform
tmas music December 2, 7:30 pm,Rialto Theater in Loveland. The has performed with Wynonna,ond Rio and other famous peoplell as at the Ryman Auditorium in
ville. Call 420-8237.
stown Senior Center
wo events December 6 at 9 am:
A Christmas Boutique with Santavisit, quilt raffle, silent auction, craftsand lunch at the Johnstown TownHall. A Christmas crafts fair and bakesale at Faith Lutheran Church. Call587-5251.
Fort Lupton Museum
Exhibit of buffalo soldiers uniforms
and equipment from the 1800s,November and December, 453 DenverAvenue, Fort Lupton, 303-857-1634.
Wyoming Historical Calendar
The Wyoming Historical Societyscalendar for 2009 is available by calling307-322-4237 or emailing [email protected]. This yearscalendar depicts historical photos andinformation about the states boom-and-bust cycles.
Cheyenne Concert
Canadian Brass star trumpet player
Brandon Ridenour will performNovember 15, 7:30 pm, at CheyennesEast High School Auditorium. AJuilliard graduate, he will perform withhis father, Rich Ridenour. The two alsouse comedy. Brandon won theInternational Trumpet Guild competitionin 2006 and has performed with famousorchestras. Call 307-634-8606. I
ocal Events and Exhibits
Tours depart from Denver/Loveland/Fort Collins(Management reserves all rights to alter or cancel this tour)
1-800-401-4385 Mon.-Fri.
Highway 85 S. P.O. Box 643 Deadwood, SD 57732
www.deadwoodgulch.com
2&3 Night Specials
CasinoGetaway
to Deadwood
2-NIGHT STAYS
Denver$11498+ Taxes
Loveland$9498+ Taxes
Nov. 7/8/9Mar. 5/6/7May 1/2/3
PACKAGEINCLUDES: Motorcoach
Transportation Deluxe room Food coupons
Gaming coupons Slot tournaments
BOOKEARLY!
3-NIGHT STAYS
Denver$13498+ Taxes
Loveland$11498+ Taxes
Nov. 10/11/12/13 Jan. 22/23/24/25Feb. 24/25/26/27 Mar. 23/24/25/26
April 21/22/23/24 May 5/6/7/8June 9/10/11/12
8/14/2019 The Senior Voice - November 2008
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ovember 2008 The Senior Voice
Low-income Medicare partici-pants will have fewer Part Ddrug plans to choose from in 2009,according to researchers at AvalereHealth.
Participants in Nevada will haveonly one private Part D plan avail-able. Those in Arizona will have
two. Five plans will be available inFlorida, Hawaii, New Hampshireand Maine.
Approximately 1.3 million low-income Medicare participants willhave to find a new Part D plan in2009 because numerous insurancecompanies chose not to offer the lowdeductibles and low monthlypremiums the government requiresof plans for low-income people.
Humana will not offer any plansfor those people in 2009. Cigna willoffer such plans in only 14 states; itoffered plans in 29 states in 2008.
But UnitedHealth Group willincrease the number of states inwhich it offers such plans, from 30in 2008 to 42 in 2009.
Federal Medicare officials said97 percent of all Part D participants(not just low-income) will have
access to drug plans thsame as or less than th2008. But Sen. Henry WCalif.) believes that infincorrect.
Waxman said researchers found that 9Part D participants will
premiums in 2009 if thethe same drug plan th2008.
Average premiums inbe 22 percent higher thasaid. Part D premiuincreased nearly 50 pethe drug program begconsiderably more than inflation, and such increadifficult for fixed-incomepay for medicines theyWaxman.
Medicare officials people can find lower p
they shop around amoncompanies participatingBut critics like Waxmathat many retirees doaccess to computers and needed to compare the mavailable in some states.
Medicare Plan Chan
Anew Medicare rule recentlywent into effect that will denypayment to hospitals for whatMedicare terms reasonablypreventable medical errors.
Medicare will no longer payhospitals to treat patient falls,urinary tract infections caused byimproper use of catheters, pressureulcers, blood incompatibility, objectsleft in the body during surgery, andseveral other things.
Medicare officials say hospitalswill not be allowed to charge patients
for such things either. Thexpected to save Medicar
million a year, not a largeMedicares total expen$110 billion a year. But othe change sends a mhospitals and other prosome common, easily perrors will not be tolerate
American Hospital Aofficials say some of theunfair, such as falls cpatient getting out of bednot to. I
Change in Medicare Paym
Social Security benefits willincrease 5.8 percent for 2009,according to government officials.The increase also applies to peoplereceiving SSI (SupplementalSecurity Income).
This is the largest increase since1982. It is more than double the 2.3percent increase of last year.
The average retiree will receive$63 more per month in SocialSecurity than last year$1,153
instead of $1,090. The averagecouple will receive $103 more per
month.The average SSI pa
one person will be $674instead of $637, said ofaverage SSI payment fowill be $1,011 per month$956. For a disabled waverage monthly paym$1,064 instead of $1,006
More than 55 Americans receive Socipayments. The annual
determined by how Consumer Price Index ri
Social Security Increa
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The Senior Voice Novem
Horsetooth Lake
orsetooth Reservoir west of FortCollins has provided water forhern Colorado for almost 60. Engineers diverted water fromrados west slope through al beneath the Continental Divide
veral lakes on the east slope.orsetooth is 6.5 miles long,an original depth of 188 feet
has been deepened. The shore-s 25 miles.he dams holding back thevoirs water are named Springk, Dixon, Soldier Canyon, andorthernmost dam Horsetooth.1998 the water was lowered to
n a project to modernize thes. The northern dam wasng 200 gallons per minute.ongress appropriated over $110on for the project. Some sink
holes were found that suggestedwater was flowing in limestoneunder the north dam.
The water level was drained to1.2 percent of capacity, and thebottom revealed many objects andartifacts. Remnants and old buildingfoundations were exposed. Even anold car body, which was a mystery,
was discovered at the bottom.Volunteers cleaned out trash andanimal bones.
In 1820 explorer Stephen Long(for whom Longs Peak was named)said, Water is essential because youmust remember this is an arid land.
Years later in 1985, formerColorado Governor Dick Lamb said,Without dams, without reservoirsand without the ability to storewater, Colorado cannot survive. I
Horsetooth in 2000 when drained. Photo by Harry Ahlbrandt.
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Ahlbrandt
8/14/2019 The Senior Voice - November 2008
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ovember 2008 The Senior Voice
By Bill Lambdin
Financial ties of universityresearchers to drug companies haveprompted criticism from people like Dr.Catherine DeAngelis, editor of theJournal of the American MedicalAssociation.
She recently said, The influencethat the pharmaceutical companies, thefor-profits, are having on every aspectof medicine...is so blatant now youd
have to be deaf, blind and dumb not tosee it.
Senator Chuck Grassley (R-Iowa)
has asked major universities likeHarvard and Stanford to reveal theirfinancial ties to drug companies thatcould prompt conflicts of interest.
Recent reports have shown thatsome academic researchers acceptmoney from drug companies to publishbogus articles in medical journals
recommending drugs. This misleadsconsumers and health practitionersand amounts to bribes.
Grassley has asked the govern-
ments National Institutes of Health towithhold grants from universities thatrefuse to disclose such financial ties.
Some university medical schools could
lose millions of dollars
funds if that happened.Jerome Kassirer, form
the New England Journal osaid Universities have b
on dangerous ground with tingly complex financindustry.
Recent media attention
prompting some universitfinancial ties that have beeyears. They are worriedthings could ultimately aff
free status, said Kassirer.Some local doctors are
refuse even small gifts
companies. But it is unlikeresearch centers at univecompletely cut financial tie
Industries dealings re
with potential conflict bsectors depend on eacmuchmedicine on dr
research dollars and drug mcredibility researchers giveAssociated Press researcher
People like Sen. Grawant to cut off all funding
but they do want honesty sors and others who refunding. So does the public
Conflicts of Intere
I am now carrying Medicareprescription drug coverage fromHumana. Call me today tosign up or if you have questionsabout whats right for you.See me about
MEDICARE
PART D.
ana Prescription Drug Plans are offered by Humana Insurance Company, Louisville, KY, which is financially responsible for these prod-No member of the State Farm family of companies is financially responsible for these products. Humana Inc., Humana MarketPoint,
. and Humana Insurance Company are not affiliates of State Farm. A Medicare approved Prescription Drug Plan available to anyoneitled to Part A and/or enrolled in Part B of Medicare through age or disability. Copayment, service area, and benefit limitations may
apply. Contact your State Farm agent for details on coverage, costs, restrictions and renewability.State Farm Mutual Automobile Insurance Company Bloomington, IL
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8/14/2019 The Senior Voice - November 2008
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ovember 2008 The Senior Voice
planation of the recent govern-
ment bailout on Wall Street:
nce upon a time in a village, a
appeared and announced that he
d buy monkeys for $5 each.he villagers, seeing that there
many monkeys around, went to
forest and started catching
eys.
he man bought thousands at $5.
e supply of monkeys started to
nish, the villagers stopped their
t. The man announced that he
d now buy monkeys for $10.
his renewed the efforts of the
ers until the supply diminished,
he people stopped collecting
eys.he man increased his offer to
and the supply of monkeys
ased so much that it was difficult
d them. But a few were sold.
hen the man went to the city on
business and told the villagers
ssistant would now buy on his
f.
he assistant told the villagers,
k at all these monkeys the man
ollected. I will sell them to you
35 each, and when the man
ns from the city, you can sell
to him for $50.
he villagers gathered all of their
gs and bought the monkeys. But
never saw the man or his assis-
gain.
little boy asked his father, How
umans get started?
is father said, God made Adam
Eve. They had children, and all
humans came from them.
ater the child asked his mother
ame question and she said,
lions of years ago, monkeysved from earlier forms of life;
humans evolved from the
eys.
he boy found his dad and said,
said humans were created by
but Mommy said they came
monkeys. Which was it?
is dad said, I told you about
ide of the family. Your mother
alking about hers.
ubba walked into a doctors
e, and the receptionist asked,at do you have?
Shingles, he said.
She gave him several forms to fill
out, and he sat waiting.
A half hour later, a nurse came out
and said, What do you have?Shingles.
She took his blood pressure,
weighed him, gave him a blood test
and told him to go into the exam room
and take off his clothes.
He sat there for nearly an hour
before the doctor came in and said,
What do you have?
Shingles.
Where? asked the doctor.
On my truck outside. Where do
you want them?
The redneck governors mansion
burned down when a fire destroyed
the entire trailer park. The library was
a total loss; both books went up in
flames, and the governor hadnt
finished coloring in one of them. I
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The Senior Voice Novem
ll Lambdin
Bazille Provost was the fourthchild of nine children born toBaptiste Provost and his Oglalax (or Cheyenne) wife, White.
He was born on February 17,, four years after his parentsd along the Cache la Poudre. He lived only one summer and
when he was nine months old...Bazille Provost had the distinc-of having the oldest knownstone in Larimer County.hats how Rose Brinks began the
of northern Colorado settlerProvost in her book History ofingham Hill Cemetery.he book tells many interestinges about some of northern
ados earliest settlers. It is not aid necrology but a celebration ofary lives, said Brinks.is a book about pioneers, notcemetery; and it contains excel-
esearch.nce Brinks first book on thect was published in 1988, more
than 10,000 people have visitedBingham Hill Cemetery north of FortCollins, and some have been able totrace their ancestors back to the early1800s, thanks to Brinks research.
To reach Bingham Hill from thevillage of LaPorte (north of Fort
Collins), go south on Overland Trailfrom Highway 287 for six-tenths of amile to County Road 50E. Turn westand drive about one-tenth of a mile.Park on the side of the road when yousee a small sign and old grave stonesoff to the right. There is no parking lot.
Walk through a small metal gatewith a wooden sign that saysBingham Hill Cemetery. Follow apath along an irrigation ditch forabout 100 yards to the east edge of thecemetery.
Brinks house was built immedi-
ately east of the cemetery. Thats whyshe became interested in it.
Her story about John Provost,founder of the cemetery, is especiallyinteresting. She said he was born inCanada in 1822 and came to Coloradowith a small group of French-Canadian fur trappers around 1858.
Pioneers in the Fort Collins AreThe group founded the little settle-ment of LaPorte, and Provost took anIndian wife called White Owl.
When their infant son, Bazille,died in 1862, they buried him in apasture where they could see his gravefrom their house. That was how the
cemetery began.Later in 1865, their 10-year-old
daughter was also buried there, inIndian style with all her possessionsplaced in the grave.
One of their sons, Charles, foughtin the Battle of Wounded Knee andlater rode for several years withBuffalo Bill Codys Wild West show.
Of the other Provost children,Brinks wrote:
Two committed murder, twocommitted suicide, one died in jail,four sons led fairly normal lives for
half-breeds...John Provost was called one of
the old French trappers by earlynewspapers, and some reports referredto him as the founder of LaPorte.
He was the only trapper who didnot leave LaPorte when sentimentturned against the Indians and squaw
John Baptiste Provofrom Rose Brinks
men after the Custer m1876. The other trappers feeither to leave their Indiaccompany them to reserv
Brinks said, This 1explains why there are noFrench-Canadian-Indialiving in the area today.reminders are the Frencour town (LaPorte) an(Cache la Poudre).
Provosts wife went ttion with most of their chilstayed in LaPorte andpopular road house andmany years. That old lowith dirt floors, stood for 5was known as the oldestLaPorte when it burned do
John Provost became as the last remaining old tAn 1880 newspaper Provost is known from Colorado to the other awarm-hearted gentlem
persons favoring (his rwith their patronage may royal treatment.
When he died in 1904Provosts obituary referrethe first permanent whiLarimer County...He waslandmarks of this countpioneers feel his passing regret.
Provosts story was many that Brinks told inwhich is available at the Museum gift shop, Ve
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Another Healthcare ScamSome hospitals and other healthcareproviders ask millions of patientsacross America to pay more than theyshould through a practice calledbalance billingcharging thepatient for the balance their insurancecompany does not pay.
The practice is illegal in moststates, but providers get by with itbecause patients are often confused bybills, few contest them, and states areslow to take any action.
Providers use the practice whenHMOs and other insurers are slow to
pay or pay lower amounts thanproviders want. Providers simply bill
patients for the difference even thoughpatients are supposed to pay only theirdeductibles and co-payments.
Some consumer advocates esti-mate that patients pay over a billiondollars annually for such illegalbillings, according to a reportpublished in Business Week maga-zine.
Researchers emphasized that notall hospitals and other healthcareproviders use balance billing. I
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ovember 2008 The Senior Voice
Retirement Questipirin does not reduce the risk ofn initial heart attack or stroke ine who have no heart problems,ding to a report in the journal
also does not reduce the risk ofnitial attack in people withtes or peripheral arterial diseaseal blockage of leg arteries).
ut aspirin does reduce the risk ofond heart attack in people whoalready had an attack.t works if youve already had a
heart attack, but there is no proof forprimary prevention, said Dr. JillBelch, one of the researchers at theUniversity of Dundee in Scotland.
She and others said their conclu-sions were supported by six otherstudies, and the researchers said theAmerican Heart Association andU.S. government should stop
recommending low-dose aspirin forpeople who have not yet had a heartattack or do not have any heartproblems. I
By Scott Burns
Financial Writer
Q: I am 56. I retired after 30 years
of teaching at the age of 52. I plan
to take Social Security at age 62.
My understanding is that for the 10
years I will have been retired andhave not contributed to Social
Security, the benefit I will get will
be decreased a small percent each
of those 10 years.
A friend told me that something
has changed and that my amount
will be based on the average of my
30 years of salaries and not my last
five highest years. And there will be
no yearly decrease for each of
those 10 years I have not been
working. Is this correct?
A: Your Social Security benefitis based on your earnings record upto a maximum of 35 years. If you
work more than 35 years, the calcu-lation is based on the highest 35
years of earnings. If you work lessthan 35 years, the no-earnings years
will count as zero and
your average and, hebenefit.
If you visit the SociaWeb site, you will find ththree calculators to help
out what your benefit i
be. The link you wantwww.ssa.gov/planners/chtm; and the calculator y
use is No. 2, the Online CIt will ask you to se
you want to start benefenter your earnings recowill estimate your futu
Youll find your complehistory on the annual stat
receive in the mail eachSocial Security.
Given the importance
Security for all but the people, I think one oinvestments we can mtake the time to becom
with this very useful managed Web site, wwI
Aspirin and Heart Attacks
gular exercise can actuallyeverse brain decline in maturee, according to research reportede British Journal of Sportscine.hats especially true if the exer-
involves aerobic activity thats you somewhat breathless. Thisases the speed and sharpness ofht. It also increases the volumeain tissue and the way in whichain functions.esearchers found that six monthsobic exercise reversed what they
d age-related decline in brain
activity. The brains developed theability to grow again, and thinkingbecame sharper.
Such exercise also improves thebrain function of women goingthrough menopause, regardless of
whether or not they have hormonereplacement therapy.
The research was conducted prima-rily by University of Illinois professorArt Kramer. He concluded thatmoderate aerobic exercise canimprove cognitive and brain function,and reverse the neural decay frequentlyobserved in older adults.I
mproving Brain Function
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The Senior Voice Novem