The Senior Voice - November 2008

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


2/16

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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3/16

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


4/16


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


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Josephine Lamb. From

Rabbit Creek Cou


5/16


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

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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

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ByU.S. SenatorKen Salazar


6/16


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.

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7/16


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

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8/16


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


9/16


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

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April 21/22/23/24 May 5/6/7/8June 9/10/11/12


10/16

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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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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12/16


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

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13/16


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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14/16


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


15/16


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 - November 2008

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Transcript of The Senior Voice - November 2008