The Montclarion · Dixieland Express jazz band will be playing all our festive favorites from 10:30...

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Founded 1907 Denver, CO 2nd Quarter 2011 www.HistoricMontclair.org [email protected] Table of Contents July 4th Celebration................1 President’s Notes....................2 Easter Egg Hunt.....................4 In and Out of Montclair..........5 Vigilante Justice.....................6 Garage Sale??.........................6 Restaurant Review.................9 Personal Finance..................10 Montclair School...................11 Wanted: Board Members......12 HMCAI Membership list......14 A QUARTERLY PUBLICATION OF HISTORIC MONTCLAIR COMMUNITY ASSOCIATION, INC. The Montclarion Celebrate July 4th in Montclair Park with HMCAI WHEN: Monday, July 4th (yes, we are celebrating July 4th on July 4th this year). TIME: The Picnic starts promptly at 10:30 a.m. Our wonderful Dixieland Express jazz band will be playing all our festive favorites from 10:30 a.m. to 1:30 p.m. WHAT: The festivities include the Annual Bike Parade, games, the live band, a fire truck and food for all. PIX: As in prior years, the picnic will feature proving photographers who will post photos on the HMCAI website after the event. (www.historicmontclair.org). BRING: A blanket and beverages for the family. It will be hot, and you may be very busy – playing games, visiting the fire truck, etc. – bring more than you think you need! Reusable containers are encouraged, as trash facilities are minimal. (And we all want to make an effort to be “green.”) EVENT SCHEDULE: • 10:30 a.m.: Band arrives; music starts • 11:00 a.m.: Bike parade for the little ones (ages 0-5) • 11:15 a.m.: Bike parade for the bigger ones (ages 6-12) • 11:30 a.m.: Food service begins • 12:30 p.m.: Games begin/fire truck arrives • 2:00 p.m.: Picnic ends (continued on Page 3)

Transcript of The Montclarion · Dixieland Express jazz band will be playing all our festive favorites from 10:30...

Page 1: The Montclarion · Dixieland Express jazz band will be playing all our festive favorites from 10:30 a.m. to 1:30 p.m. WHAT: The festivities include the Annual Bike Parade, games,

Founded 1907 Denver, CO

2nd Quarter 2011 www.HistoricMontclair.org [email protected]

Table of Contents

July 4th Celebration................1

President’s Notes....................2

Easter Egg Hunt.....................4

In and Out of Montclair..........5

Vigilante Justice.....................6

Garage Sale??.........................6

Restaurant Review.................9

Personal Finance..................10

Montclair School...................11

Wanted: Board Members......12

HMCAI Membership list......14

A QUARTERLY PUBLICATION OF HISTORIC MONTCLAIR COMMUNITY ASSOCIATION, INC.

The Montclarion

Celebrate July 4th in Montclair Park with HMCAI

WHEN: Monday, July 4th (yes, we are celebrating July 4th on July4th this year).

TIME: The Picnic starts promptly at 10:30 a.m. Our wonderfulDixieland Express jazz band will be playing all our festive favoritesfrom 10:30 a.m. to 1:30 p.m.

WHAT: The festivities include theAnnual Bike Parade, games, the liveband, a fire truck and food for all.

PIX: As in prior years, the picnicwill feature proving photographerswho will post photos on the HMCAIwebsite after the event. (www.historicmontclair.org).

BRING: A blanket and beveragesfor the family. It will be hot, andyou may be very busy – playinggames, visiting the fire truck, etc. –bring more than you think you need! Reusable containers areencouraged, as trash facilities are minimal. (And we all want tomake an effort to be “green.”)

EVENT SCHEDULE:• 10:30 a.m.: Band arrives; music starts• 11:00 a.m.: Bike parade for the little ones (ages 0-5)• 11:15 a.m.: Bike parade for the bigger ones (ages 6-12)• 11:30 a.m.: Food service begins• 12:30 p.m.: Games begin/fire truck arrives• 2:00 p.m.: Picnic ends

(continued on Page 3)

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Notes From the President by Nancy Mucker, HMCAI President

“A Tale of Two Cities”….. I don’t travel much anymore because Coloradois where I always wanted to live. And now that I’m here, I’m really happystaying here. But periodically I have to travel for work. Plus, I love trav-eling the West with my family. It’s a rare event when I manage to do bothin one week. And what a week it was. I attended a high tech industryconference at the Venetian Hotel in Las Vegas the week before MemorialDay. (The company hosting the event is Israeli and creates the high techsoftware that supports call centers, security systems for mass transit andfraud detection for financial firms.) The Memorial Day weekend wasspent at the Chaco Culture National Historical Park south of Nageezi, NM. I don’t think I couldcreate a more dramatic comparison if I worked on it for weeks.

Vegas is not my favorite spot, but it certainly is not dull. The conference was interesting andinformative but spending eleven hours attending sessions in a conference center with no win-dows and no easy egress to fresh air and sunshine can be mind numbing after three days. And ifyou manage to find your way to daylight, you see folks paying to ride in a gondola around fakecanals being serenaded by Vegas gondoliers. Really! Or you can walk the strip and see fake NewYork, the fake Eiffel Tower, etc. I have to admit I enjoyed the fountains at the Bellagio Hotel.So, having not visited Las Vegas for twenty years, I did walk the Strip pretty much from end-to-end. I kept thinking that I would grow to like it. By the end of it, I decided Vegas was “okay,”but not one of my favorite places. I do know others love it, including the other employees frommy firm who truly had a great time. I think I was the “wet blanket” in the group.

Two days after Vegas, we made the seven-hour drive to Farmington, NM, and headed to ChacoCanyon the next morning. It’s another two hours, much across dirt and gravel roads. We foundour way to the small National Park headquarters, temporarily housed in a large canvas kivastructure. (They’re building a new visitors center.) So, we were off to tour Pueblo Bonito and theother structures in the park, a tour that included a strenuous hike up onto the mesa that allowsyou to look down on the ancestral structures of Chaco Canyon. The winds were howling at about40 mph on the mesa top. Not only were there wonderful views of the ruins, but also we trulycould think about the ancient Native Americans who walked these mesas and built these interest-ing structures. So, were we truly removed from modern life and high tech conveniences? Youwould think, yes, of course. But the confluence of old and new came from our using GPS on ourSMART phone to get to Chaco. Just plug “Chaco Culture National Historical Park” into yourphone when you leave the hotel, listen to the voice (which gets quite irritating after a while), fol-low directions and there you are!

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July 4th Picnic (continued from Page 1)

BIKE PARADE RULES: The Bike Parade is in two heats: one for children 0-5 and one forchildren 6-12. For everyone’s safety, please have your child participate only with the appropriateage group. Parents are welcome to push/pull their smaller children as needed. Prizes will beawarded for uniquely decorated bikes!!!!

COST: No charge for HMCAI members. For those who have not joined HMCAI, the cost will be$5/adult and $3/child (ages 3-10). Children under age 3 attend at no cost. You will have theoption of joining HMCAI the day of the picnic (the annual cost is $20/family and $10 for sen-iors). The membership table can be found under the trees at the west end of the park. If you arenot sure of the status of your membership, the current members’ list is published in this editionof The Montclarion.

Remember, if you are a paid member, your entire household attends the picnic FREE. In addi-tion to the picnic, membership in HMCAI includes our seasonal activities and the members-onlyadult wine and cocktail party in the fall.

VOLUNTEERS: We can always use additional volunteers to help for one hour or less in severaldifferent ways. Please help your community, friends and family enjoy this community event.Call or email Mark Noonan if interested: [email protected] or mobile # 303-472-2922

WEATHER: Rain or shine!

Contributions Wanted

Readers: if you would like to submit an articleor restaurant review, please email the article [email protected]. We'd love to hear

from you.

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The Easter Bunny Visits Historic Montclair

The Easter Bunny made his annual appearance in Historic Montclair on Saturday, April 23. Onethousand eggs were stuffed with holiday goodies and crafts and hidden among the trees, picnictables, lawns and Molkery porches. Five “golden eggs” were amongthose hidden. The lucky finders of the golden eggs received Easter bas-kets filled to the brim with fun activity sets, toys and treats.

Although the forecast called for cloudy temperatures and rain boots, arecord number of approximately 70 children and their parents, grand-parents, friends and pets came to Montclair Park at 10 a.m. with bas-kets in hand. The start of the hunt was announced by Rod Saundersand included small children ages 1-5. The second heat was announcedshortly after for older children. After all of the eggs had been foundand the hunt successfully completed, participants were invited in to theMolkery to warm up and partake of holiday cookies, croissants, pas-

tries, coffee and orange juice. Afun and exciting time was had byall!

The event organizers would like to extend a special thankyou to Father Doug and the youth group from St. Luke’sEpiscopal Church who hid every single one of the 1000 eggs!Thank you to Evelyn Sim and her son Cameron for settingup and taking down the Molkery refreshment stands and toValerie Alford, Kate Kestyn, Katy Saunders, ChristineRalston and other volunteers for stuffing the eggs. Finally,thank you to the organizers of the event, Katy and RodSaunders, and to the HMCAI for sponsoring and hosting theevent every year.

Photographs of the hunt can be found atwww.HistoricMontclair.org or on Historic Montclair’s face-book page http://www.facebook.com/pages/Historic-Montclair-Community.

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In and Out of Historic Montclairby Veronic Dolan

Ta Ta and Toodleoo, Nanna’s Teas, our short-lived, quaint neighborhood tea shop, has vacatedits 14th and Oneida premises and moved to 2236 Oneida St. According to owner and HistoricMontclair resident, Karen Renz, it will move again this fall to 2230 Oneida, where a former 7-Eleven is being renovated into Eggs A Bakin, a 2,200 sq.ft. café. EAB will be open for breakfast,lunch and high tea and feature homemade breads, scones, cakes, pies and crumpets, in additionto a wide variety of loose and boxed teas. Details at Nanna’s Teas, 303-862-8832.

Another Farewell. The annual fall Flea Market and antiques sale held for many years by St.Luke’s Episcopal Church at13th and Poplar has become, well, an antique. A dwindling supply ofdonated quality furniture, art and silver, and fewer volunteers able to work daytimes led to itsdemise. Women of the parish are now eagerly planning a replacement fundraiser, a silent auc-tion, for the spring of 2012. Proceeds will be used to refurbish parish buildings and to restock thepantry. It should be fun. We’ll keep you posted.

And a big hello to Marczyk Fine Foods, opening a second market this month at 5100 EastColfax, at Fairfax. The 6,500 sq. ft. building opened in 1925 as a Safeway store and from 1980 to2010 was occupied by Fairfax Hardware. Marczyk’s will feature a full deli, fresh meat and fish,market-prepared meals, a grocery, fresh produce and a wine boutique. Info about Colfax opening:call Marczyk’s 17th Ave. market, 303-894-9499.

Montclair Recreation Center has programs for just about everybody. Stop by 729 Ulster St.(on Lowry), be dazzled by the wide variety available and sign up for fun and better health.Programs include fitness training, swim classes, open swim, personal weight training, waterwalking, Karate, pick-up basketball, bridge games, classes in pottery and fused glass, and trips forseniors, among others. Main phone is 720-865-0560; pool phone is 720-865-0569. If programyou want is filled, try for next session.

We hear plans to develop the Corner of 8th Ave. and Jersey have been put on the back burn-er until the economy improves. Owners of the site have decided the time is not right to build eventhe modest retail strip they were contemplating.

(continued on Page 7)

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BEFORE MONTCLAIR – VIGILANTE JUSTICEON A PIONEER TRAIL

PART Iby Bill Hansen

In 1860, as civil war loomed, Denver was a lawless frontier town – literally. It had no laws, noauthorized courts, and no judges. It was then part of Kansas Territory and the closest judicialsystem was more than 500 miles away in what was then dubbed “Bleeding Kansas.”

Just two years old, Denver had boomed to 4,500 residents. Following discovery of gold in thefoothills, thousands of “59’ers” emigrated across the plains to seek their fortune. They came pri-marily on the Smoky Hill Trail from Leavenworth, Kansas, and the Platte River and OverlandTrail from St. Joseph, Missouri. The Fort Morgan “cut off” to the Platte River Trail and theSmokey Hill Trail North spur converged near present day Bennett and entered Denver throughtoday’s Lowry, Montclair, and Mayfair neighborhoods. Every day hundreds flooded Denveracross this route in an almost continuous caravan of prairie schooners, freight wagons, hand-carts, and cattle.

Unfortunately, along with the prospectors, promoters, merchants and ranchers, came theinevitable glut of gamblers, thieves, ruffians, and desperados, deemed “bummers” by the honestcitizens. Nascent Denver was ill equipped to handle this lawless element. Regionalism and strifeover secession added to the turmoil. Without institutional law and justice, the summer of 1860was the wildest, most violent and desperate time in Denver’s history.

Ad hoc gatherings of “People’s Courts” dispensed justice, presided over by a “judge,” a jury, andattorneys serving variously as prosecutors or defense counsel. There were neither appeals norjails. The typical sentence was hanging, with whipping or banishment imposed for lesser offens-es. However, People’s Courts could readily be influenced by “grub, cigars, and a flask ofwhiskey.”

One especially prominent defense attorney, A. C. Ford, always seemed to find exonerating evi-dence on short notice. His “suave and pleasant manners” had earned him the informal sobri-quet of “Judge.” He was a pillar of the community despite his living openly in an illicit conditionwith Sarah Jane Vailles.

(Continued on Page 8)

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Garage Sale??

HMCAI is considering a neighborhood garage sale. If you would like to participate in HistoricMontclair’s first annual Garage Sale, please contact Valerie Alford at [email protected] or 303-641-6823.

If we generate sufficient interest, we would coordinate the effort and advertising. Our goal is tohave it in September 2011.

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In and Out of Historic Montclair(Continued from Page 5)

A Farmer’s Market will be available every Saturday from 8 a.m. to 1 p.m. now through Sept. 17in the lot at Lowry’s Hangar 2. Colorado produce will be featured – locally made cheese, breadand more, including gifts. Stop by.

City Park Jazz on Sunday nights, rain or shine, through Aug. 7, 6-8 p.m. at City ParkPavillion/Bandstand. Music by Denver Municipal Band, the oldest professional concert band inthe continental U.S. See: www.cityparkjazz.org for more info. FREE.

FREE Days for everyone. Enjoy art, science, beauty and culture. And have fun.Denver Botanic Gardens – July 19 and Aug. 29Denver Museum of Nature and Science – Aug. 22 and Aug. 28Denver Art Museum – July 2, Aug. 6 and Sept. 3

Denver County Fair – July 28-July 31 at National Western Events Center, 4655 Humboldt St.Traditions, culture, creativity and innovation at ten indoor pavilions, each with its own theme.Rides, midway games, Skateboard Rodeo and more. For details, see: www.denvercountyfair.org.

Irish Dancing. The world class Martin Percival School of Irish Dance will be opening aStapleton branch in Sept. Classes 4:30 every Wed. at 4601 Quebec. First class is free; after enroll-ment, tuition is $45 a month. Children as young as three are welcome. Percival danced withRiverdance and replaced Michael Flatley as lead in Lord of the Dance. One of his male pupilscame in 5th in World championships and 3rd in North American nationals. For additional infocontact: [email protected].

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Expires 9/30/2011

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BEFORE MONTCLAIR – VIGILANTE JUSTICE(Continued from Page 6)

That summer, however, suspicions rose that Ford was in cahoots with the thieves and scoundrelswho eagerly sought out his services and might be sharing in their loot. In late August 1860, hehastily drafted a will acknowledging Miss Vailles as his common law wife and leaving her his sub-stantial property in the event of his demise.

As editor of the Rocky Mountain News, William N. Byers was the outspoken voice of moraldecency. His writings soon made him a victim. Kidnapped by hooligans, he managed to escapeand barricaded himself in his newspaper office against withering gunfire. When Ford’s eloquenceearned an acquittal for one of the assailants, Byers had had enough. People’s Courts were “littlebetter than a farce,” Byers wrote, and further declared “much as we deprecate mob violence orthe workings of lynch law . . . we can see at this juncture no other alternative.” A self-appointed“Committee of Safety” was secretly formed to deal with the problem.

The first order of business was dealing with a highly organized band of horse rustlers preyingupon the ranches around Denver. On Saturday, September 1, 1860, a white man named “BlackHawk” was apprehended by the vigilantes. Before being lynched from a cottonwood, he con-fessed and fingered Ford as the ringleader, as well as John Shear, one of Ford’s cronies, as sec-ond-in-command. Shear, a member of Denver’s City Council, was rousted from bed on theevening of September 3 and the following day was found dangling from a poplar tree alongCherry Creek. At his feet was a sign: “This man was hung. It was proven he was a horse thief.”

Alerted to these events, Ford made promptpreparations to flee town on the next stageeast. After paying the $100 fare for theweek-long trip, Ford boarded the stagecoach on the morning of Tuesday,September 4.

Unknown to Ford, two groups of heavilyarmed men had slipped out of town beforedawn to cover the trails leaving Denver.Four headed east along the old cut-off. . . .

(To be concluded in the next issue of TheMontclarion.)

8 www.HistoricMontclair.org

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Restaurant Review: Nonna’s Bistro and Bella Vino Wine Bar

What makes a restaurant a great new find for you? For me it is consistently GREAT food, athoughtful and reasonable wine list, a warm welcome, an ambiance that matches the restau-rant’s style, live music, and did I say great food and drink. Nonna’s Chicago Bistro is just sucha great find. This is a place where I have, as I suspect many of you have, driven by noticing thesigns, wondering, but passing it up. Located in a little strip mall on the north side of Leetsdalejust past Monaco, sandwiched between the 7-11 on the corner and the 24 Hour Tanning Salon,Nonna’s Bistro is an unassuming treasure worth trying.

As soon as you walk inside, you find a vibrant yet intimate setting that has two sides with asmall bar in the middle. It is like being transported to a little trattoria in Sicily, Rome orCortina, Italy. It is definitely not Monaco and Leetsdale. Nonna’s is frequented by regulars-families, couples, groups of friends and singles all finding a warm welcome with genuine pleas-ure that you stopped by for a visit. You might even get a hug from the owner. On Friday orSaturday nights there is live music. The other night it was a quartet playing a great selection —live music adds so much to make an evening special.

They do Italian the Chicago way, and this is food that embraces its origins and a love of Italian-American culture. Sections of the menu are named for well known Italian characters mostlyfrom the Godfather and although I haven’t tried the Chicago Mob’s Pizza and Calzones but I betit lives up to the statement on the menu: “We’ll make you a pizza you can’t refuse.”

(Continued on Page 12)

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Personal Finance in Tough Financial Times (Part IV) John L. Eckelberry, Esq.*

This is the final installment of a four-part article intended to provide a brief overview of the most common options available to people who are dealing with personal financial difficul-ties. For Part I related to credit reports see the June 2010 Newsletter; for Part II related to per-sonal debt see the September 2010 Newsletter; and for Part III related to real property debt seethe December 2010 Newsletter. (All past newsletters can be found under the “Montclarion” tabon the Historic Montclair website: www.historicmontclair.org.) As always, your individual situa-tion will dictate the best course of action, and it is recommended you seek advice from profes-sionals including your attorney, financial advisors and CPA.

Bankruptcy

At a certain point bankruptcy becomes a better option than attempting to fulfill outstandingfinancial obligations on your own. The most common reasons for filling personal bankruptcy areunforeseen medical expenses, excessive credit card debt, loss of employment, divorce and thelegal processes to collect that debt. It is extremely important that individuals consider all avail-able options and bankruptcy alternatives before making a determination of what course of actionto pursue.

Chapter 7 and Chapter 13 are the two bankruptcy filings available to individuals. Chapter 7 is a liquidation of assets and Chapter 13 is a reorganization where the individual repays a portion of their debt over a three to five year period. Under a Chapter 7, an individual may keep only property which is covered by exemption from creditors. Under Chapter 13, a person is allowed to retain all their assets.

Under Colorado law, individuals may keep the following under exemption: (*indicates amount doubled if filingjointly)

• Equity in your home orsale proceeds if sold withinthe two years prior to bank-ruptcy, up to $60,000

• Farm machinery, tools andlivestock, up to $50,000 • Household goods, up to$3,000*

• Jewelry and watches, up to$2,000*

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New Beginnings at Montclair By Kerri Barclay

It’s been a very busy spring over at the Montclair School of Academics and Enrichment.Montclair has a new principal. Her name is Donna Neill and we are thrilled to have her asMontclair’s new leader. We know Donna will continue the wonderful reform efforts put into placeby former principal, Shannon Hagerman.

Donna comes to us from Florida with an extensive career in the Brevard Public Schools. She wasa principal, assistant principal, Media Specialist and a classroom teacher. In Colorado, she is cer-tified in Elementary Education, Teacher Librarian and School Principal. She is thrilled with themove to Colorado since her family lives here including grandchildren. Donna is looking forwardto building upon Montclair’s fine reputation and hopes to enhance the already strong school cul-ture focused on student learning, a commitment to high expectations, innovation, and collabora-tion. We are looking forward to many great years with Principal Neill.

Our Plant Sale and Fun Fair took place Saturday, May 14th. Although, the weather wasn’t whatwe hoped for, we did have a great turnout from families and neighbors. Thank you to all whosupported this annual event. We hope to see you next year! All profits made from this event willgo directly to the enrichment programs at Montclair.

As many of you know, our new Learning Landscape was built last summer. The children continueto enjoy their new fields and play equipment. The Learning Landscape also has a dedicated areaconsisting of a vegetable garden and fruit orchard. This spring, the garden will be planted and acore group of parents, staff and volunteers from the community will tend to it this summer.Montclair is in the process of acquiring grants to help our school establish the Garden toCafeteria program for next year. In the fall of 2011, we hope to have the students work with theirteachers and a garden leader to harvest and prepare the soil for winter crops and spring planting.A compost bin has been donated to the school and the garden vegetable waste will be compostedon site.

Montclair is one of three pilot schools participating in the DPS Sustainability Management Plan,a school-wide energy audit. A small, dedicated group at Montclair is overseeing the plan. Thepurpose of the plan is toreduce energy use in DPSschool buildings by imple-menting efficiencyupgrades and behavioralchanges at each school.The process for the auditincludes four stages withthe ultimate goal beingsite-specific, easy tounderstand energy conser-vation plans for the indi-vidual schools that contin-ues to be implemented bythe school community.

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Restaurant Review (con’t from Page 9)

The menu is varied, and I have always been impressed with every dish I have tried. I know Ishould try another appetizer selection, but I dream about the Sicilian Calamari - calamari, arti-choke hearts, and pepperoncini’s lightly fried then tossed with lemon butter, olives, capers, andfeta cheese. Most main dishes, including the pastas, come in lunch or dinner size portions.Classic pasta dishes are side by side with Carciofo Con Pollo that was voted best pasta in 1996 byWestword for a good reason. Entrees melt in your mouth and vary from Parmesan CrustedChicken in a light lemon Dijon cream sauce to Chilean Sea Bass to Osso Bucco. Well-matchedvegetables and risotto, potatoes or pasta accompanies all. The wine selection is excellent and evenincludes a Sicilian Nero D’Avalo offering that is my current favorite red. They offer classicallywell-prepared Italian desserts, including cookies. The cannoli is perfect. Oh yes - did I mentionthe wonderful warm garlic bread that is brought to the table when you sit down. The service isattentive and accommodating. Italians love children and want them to love food, exemplified bythe Bambino’s Favorites section of the menu. There is something for everyone here. They saythey are committed to bringing their customers “fabulous food and fantastic service” and theydeliver.

Try Nonna’s, you will be going back. MANGIA!

Nonna’ Chicago Bistro; 6603 Leetsdale; Denver, CO; 303-399-2000Review by Judy Baxter

www.HistoricMontclair.org

WANTED: Three Good People by Veronica Dolan

Historic Montclair is no accident of nature. Since 1907, officers and at-large board members of ourfirst neighborhood association, and its two successor organizations, have guided, nurtured and mold-ed our community into what it is today, one of Denver’s most desirable places to live.

Current board members, combined, have devoted almost 100 years of service to HMCAI because theylove Montclair and want to give something back to the community. Unfortunately, three members areunable to complete their terms of office and we’re looking for interim replacements, June throughDecember.

If you enjoy living here and would also like to give something back, here’s your chance to join thathistoric list of people who have made Montclair so special. All we ask is that you attend most – not all– of the monthly meetings (third Wed., 7-9 p.m.), and that you have a computer and an email addressbecause we do all business electronically.

And you must volunteer for at least one activity. You can help set up, serve, clean up or decorate forone (or more if you’d like) of our events: July 4th picnic, Treats With Santa, Easter Egg Hunt or AdultWine Party. Or you might prefer to report or write for the newsletter. Or sell ads. Or work on a mem-bership drive. Or a political evening. There are many opportunities. If you have the time, we’ll findthe right niche for you.

So think about giving board membership a try for six months. And if you like it, consider running forelection to the board in the fall. Contact Nancy Mucker, HMCAI President, at: 303-808-4520 or [email protected]

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Personal Finance in Tough Financial Times (con’t from page 11)

• Cash surrender value of an insurance policy, up to $25,000* • Equity in motor vehicle or a bicycle, up to $5,000* or $10,000* if elderly or disabled • Personal books and family pictures, up to $1,500* • Professional library, up to $3,000* • Provisions and fuel, up to $600* • Work related tools, books, supplies, electronics and so forth • Wearing apparel, up to $1,500* • Any amount in an IRA, 401(k) or pension plan • Right to receive certain benefits such as social security, unemployment compensation,

veteran's benefits, public assistant and pensions regardless of the amount • Burial sites • Income tax refunds

Chapter 7 discharges the debtor from the debt owed to creditors. The discharge is a permanentcourt order prohibiting the creditors from taking any further collection actions. Individuals mustpass a means test to be eligible for Chapter 7. Qualification for Chapter 7 begins with the medianincome in Colorado for either an individual or family of specified size, which you must be underto be eligible for Chapter 7. Filers who do not fall under the median income level may still qualifyby meeting the means test. The means test determines the individual!s income and deducts qual-ified expenses. If this calculated amount is under the median income level the individual qualifiesfor Chapter 7.

The most important distinction of a Chapter 13 is that it allows an individual to keep most oftheir assets and equity. Individuals generally file a Chapter 13 for two reasons: if they have valu-able assets or equity not covered by exemption that they wish to keep, if they do not qualify underthe median or means tests to file a Chapter 7. Chapter 13 requires the debtor to create a plan toallow a portion of their debt to be paid off within a specified time period.

Generally, neither bankruptcy option will erase debt due to: child or alimony support, studentloans, loans obtained fraudulently, debt from willful, malicious injury and certain taxes.

Bankruptcy will appear on your credit report for ten years. Bankruptcy is generally a negativemark on your credit, but depending on the current state of your credit it may actually put you in abetter position as you will be ableto pay current bills on time andbegin restoring your credit.

*Special thanks to Darius Dugasfor his contributions to this article.

www.HistoricMontclair.org

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HMCAI Membership List

The following list represents our records for current members as of May 20, 2011. If you are not on this list, yourmembership is not current. If you believe you have paid and are current but are not on this list, please contact GailBarry, [email protected]. Please note, in an effort to reduce space, we have only listed one membername per household. Also, the lists are in alphabetical order, not expiration date order.

As we announced in our prior editions, our newsletters are now hand delivered to all locations within our HMCAIboundaries in an effort to reduce costs. As a result, we can no longer individually address newsletters with expira-tion dates to our members. Therefore, we will annually publish our membership list.

If you are currently not an Historic Montclair Community Association member or your membership is not current,we encourage you to join or renew. The membership dues are minimal ($20.00 annually per family, $10 for sen-iors). The memberships fund our numerous activities, as well as helping to support this newsletter. We need yoursupport.

www.HistoricMontclair.org

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HMCAI Membership List (con’t from previous page)

www.HistoricMontclair.org

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Historic Montclair Community Association, Inc.P.O.Box 200125Denver, CO 80220-0125

2011 Membership FormPlease complete form (block letters) and mail with check to:

HMCAI Treasurer, P.O. Box 200125, Denver, CO 80220-0125

Annual dues per household $ 20.00 ($10.00 for seniors)Voluntary donation $Total Amount of Check $

PLEASE PRINT IN BLOCK LETTERS

Name (s)

Address

Home Telephone Work Tel:

Email

Please let us know if you would like to volunteer (circle):

Snacks with Santa | July 4th | Easter Egg Hunt | Cocktail Party | Halloween Party | Other