The Senior Voice - August 2008

The Senior

I O C V E August 2008

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

North Ghost Colorado

Town

Frontier Life in Our Area

In Northern Colorado

Wild and Longs Woolly Peak Cowboys and Pioneer Dudes in Climbers

Old Cheyenne

Money, Outlaws In Early Health, Colorado News

Cover Skiing Steamboat Picture: Springs Wild Horses, page 3

2 • August 2008 • The Senior Voice

Medicare Issue

2008

By U.S. Senator Wayne Allard

Seminar Schedule

R

Month

Topic

August 6th

Client Appreciation BBQ

August

Retirement Plan Distributions

September

Income for Life

October

Beyond Boundaries/Global Opportunities

November

Charitable Giving/Legacy Planning

December

Focusing on Energy within Your Portfolio

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Oct, 16th 12:00 p.m./6:00 p.m.

Nov. 12th

6:00 p.m.

Nov. 13th 12:00 p.m./6:00 p.m.

ecently many of my Senate colleagues and I worked to prevent cuts in the reimbursement rate that doctors receive for treating Medicare patients. I have pushed for legislation to fix this problem for years. But unfortunately, the Senate Majority Leader saw fixing the problem as an opportunity to politicize healthcare. Rather than pass a simple doctor reimbursement fix, the Senate Leader brought up a partisan bill that cuts funds for the Medicare Advantage program—the only part of Medicare that helps retirees get private health coverage. Medicare Advantage plans are especially needed in some rural areas. In the debate between government-run vs. individually-controlled health care, I know on which side the majority of the American people stand. But not enough retirees were

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involved. Now the Congressional Budget Office estimates that in the next few years 2.3 million retirees will lose Medicare Advantage benefits. Congress allowed the changes in Advantage Plans; so it’s too late to win this round. But it’s not too late to win the larger battle. Washington interests don’t want to have an open debate between government-run and individually-controlled health care. Instead, they hold Medicare or other programs hostage for a political agenda. In the vote I just mentioned, the Majority Leader used the threat of Medicare physician cuts to get special interest groups to attack people like me who have tried to fix physician reimbursement for years. I encourage you to share your views with elected officials. ________________ You can call Sen. Allard’s Loveland office at 461-3530. ■

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The Senior Voice • August 2008 • 3

Wild and Woolly Cheyenne By Peggy Hunt

VOL. 28, NO. 9

C

heyenne, Wyoming, has a wild and woolly history that goes back to the days when the Union Pacific Railroad was building the transcontinental line across the Western frontier. In 1867, the Army established Fort D.A. Russell, where Cheyenne is now, to provide supplies and protect the railroad workers from Indian raids. Fort Russell was later renamed Fort Warren for early Wyoming Governor Francis E. Warren. Cheyenne was one of those hell-on-wheels towns that sprang up along the railroad route. Gamblers, prostitutes and all kinds of unsavory characters followed the railroad crews, eager to take their hard-earned money any way they could, sometimes by killing them in dark alleys. Long before the railroad arrived, prehistoric Folsom people and plains Indian tribes had inhabited southern Wyoming. In the very early 1800s, fur trappers came through and held rendezvous in the mountains to the west. In 1860 cattlemen began bringing great herds of Texas longhorns into Wyoming, following the famous Texas Trail through eastern Colorado near Brush, north to Pine Bluff east of Cheyenne, and all the way to Montana. Men like Charles Goodnight, Oliver Loving and Jesse Chisholm brought the herds to Colorado and Wyoming, blazing trails that would become famous in the West. In 1860 John Wesley Iliff initiated the cattle business in the region and bought more than 25,000 head from Goodnight over a period of years, grazing them throughout southeastern Wyoming and northeastern Colorado. In the 1870s and 1880s, famous outfits like the Swan Land and Cattle Company were established, and the Cheyenne Club was built at Cheyenne in 1880. The Cheyenne Club was famous for several reasons. It was a lavish, expensive building unlike anything else in the West—an

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email [email protected] www.theseniorvoice.net PUBLICATION INFORMATION The Senior Voice newspaper has been published locally the first of each month since 1980 for residents age 50-plus.

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Ft. Collins and Greeley (970) 229-9204 The Cheyenne Club in the late 1800s. Wyoming History Museum. exclusive place for wealthy cattle barons and investors from the East and Great Britain. Millionaires and royal families invested in cattle then because of high profits due to the huge tracts of free range land available. The Cheyenne Club was their meeting place, with its European wine cellar, hand-carved furniture, velvet drapes and lavish meals that ordinary cowboys couldn’t dream of. Members attended social functions in tuxedos and their ladies wore evening gowns. Most spoke with a British accent, not a Western drawl. The club had private rooms where members could conveniently arrange meetings with women. The club was also the place where Wyoming’s cattle barons planned the Johnson County War in 1892 to drive out small ranchers who were taking up homestead claims on range land and building fences. This was the period when hired guns like Tom Horn worked for the Wyoming Stock Growers

Association, which was formed at the Cheyenne Club. In 1892 the cattlemen brought in nearly 50 gunmen and offered them $50 for every homesteader they killed. That sounds like an exaggeration, but it actually happened. The cattlemen even provided the gunmen with a list of whom to kill. The gunmen shot two settlers, and then all hell broke loose. Local cowboys and citizens quickly organized a posse of over 100 men, got the Army to send in soldiers, and in a short time captured the gunmen and threw them in jail. The arrogant cattle barons had underestimated the pioneers of Wyoming. Sitting in the splendor of the Cheyenne Club, the barons had planned the most despicable range war in history. But they didn’t know what real Wyoming cowboys were like. ________________ COVER PICTURE: Wild horses west of Cheyenne in the Continental Divide Basin near Rawlins. Senior Voice photo. ■

Loveland and Estes Park (970) 482-8344 EDITORIAL DEADLINE Announcements and stories must be received by the 10th of the month.; ads by the 20th of the month. LETTERS TO THE EDITOR The Senior Voice welcomes readers' letters and contributions. Enclose a self-addressed envelope and return postage to: The Senior Voice, 1471 Front Nine Drive, Fort Collins, CO 80525, or email [email protected]. The Senior Voice assumes no responsibility for damaged or lost material submitted by readers.

© Copyright 2008 The Senior Voice EDITORIAL OFFICE:

1471 Front Nine Drive Fort Collins, CO 80525 (970) 223-9271 email [email protected] www.theseniorvoice.net No material may be reproduced by any means without permission of the publisher.

Dr. William Lambdin, Publisher

4 • August 2008 • The Senior Voice

Weld County Named for Him (Editor’s Note: Greeley historian Hazel E. Johnson wrote the following story years ago.) By Hazel Johnson

W

eld County takes its name from Lewis L. Weld, who was appointed Territorial Secretary of Colorado in 1861 by President Abraham Lincoln. Weld was born in Hartford, Connecticut, in 1833 and later moved to Leavenworth, Kansas where he set up a law practice. The weather there did not agree

with him, so he moved to the drier air of Denver in 1860. Governmental status of Colorado was in flux, and settlers had asked three times for Territorial status, which finally came in 1861. Weld made a trip to Washington, D.C., seeking a governmental position and was rewarded by President Lincoln with the Secretarial post in Colorado. William Gilpin was appointed the first governor. During the Civil War, according to an early newspaper story, “Word came to Denver that victorious Confederate soldiers had defeated

Lewis Weld. Hazel Johnson Collection. Union forces in New Mexico and were headed for Denver. “Gov. Gilpin used treasury drafts of $75,000 to upgrade the small defense force housed at Camp Weld, named after the Secretary, just outside of Denver.” Using the treasury drafts without permission from Wash ington got Gilpin into trouble. He was called to Washington in 1861 and dismissed. Weld served as governor in his absence and eventually went to Washington himself in 1862 to help explain the treasury draft mess. He resigned as Territorial Secretary in 1863. Weld then applied for an appoint-

ment in the Union Army. He passed the examination and became a major. Later he became a lieutenant colonel with the 41st U.S. Troop, which served in South Carolina and Florida. Weld contracted a cold in the field. He was sent to a hospital near Appamattox where he died in 1865. According to Lyman Weld of Longmont, a later relative, Colorado preserves Weld’s memory in the names of Weld County, Camp Weld near Denver and in the adoption of the Weld family motto on the Great Seal of Colorado. That motto reads “Nil sine numine” (nothing without God). ■

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The Senior Voice • August 2008 • 5

New Prostate Cancer Drug

A

new drug called abiraterone might be very effective in treating prostate cancer, according to a report in the Journal of Clinical Oncology. Researchers say the experimental cancer drug could increase survival rates by 70 percent for men with the deadly cancer. It works by eliminating testosterone from the bloodstream. Prostate cancer is fueled by testosterone, said researchers. They believe by blocking it, they can

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destroy the cancer. So far, the drug has worked for a small number of patients in a trial, but researchers say it must be tested on larger numbers of patients before it might become available in 2011, if it continues to prove successful. Abiraterone was developed at the Institute of Cancer Research in London. The trials so far have been sponsored by Cougar Biotechnology of Los Angeles, which holds the patent on the drug. ■

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Pay Up Front at Hospitals?

H

ealth insurance co-payments and deductibles have increased so much that some patients have trouble paying them, and that has prompted hospitals to require some patients to pay in advance. The American Hospital Asso ciation says unpaid care at U.S. hospitals increased 44 percent to over $31 billion from 2000 to 2006. That has left many hospitals with too much unpaid care, says the Association.

Federal laws require hospitals to treat emergency room patients whether they can pay or not, but not others such as cancer patients. In one case, a cancer patient was asked to pay over $100,000 in advance at the M.D. Anderson Cancer Center in Texas, according to a report in the Wall Street Journal. American Cancer Society official Otis Brawley said he thinks many cancer patients do not receive care because they cannot afford it. ■

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6 • August 2008 • The Senior Voice

Gold Rush at Lulu City By Bill Lambdin

O

ne reason the mountains west of Fort Collins and Loveland are so scenic is that they escaped the ravages of prospectors during Colorado’s gold rush days. The rivers and mountain sides were not polluted by mine tailings or ugly machinery. But a famous mining town, Lulu City, did exist just southwest of Cameron Pass near the western Larimer County border. It was in a beautiful mountain valley near the headwaters of the Colorado River, and you can hike to it from the west edge of Long Draw Road off of Highway 14. Lulu City is on the National Register of Historic Places. Founded in 1880, it lasted only a few years. But it was associated with one of Colorado’s most famous tragedies. Four men were shot to death, and a local sheriff shot himself, in an argument over what town would be the county seat of Grand County. Lulu City residents wanted the

Lulu City in 1889, one of the few gold mining towns west of Fort Collins. Colorado Historical Society. nearby town of Grand Lake to be the county seat. Others wanted Hot Sulphur Springs. In 1883, several men got into an argument near Grand Lake. Suddenly some drew their guns and filled the air with a hail of bullets.

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When the shooting stopped, two men were dead and two more lay dying. One of the dying men said he had been shot by the local sheriff. A few days later, that sheriff shot himself. Officials could not determine exactly what happened. The incident stood as a well known mystery that assured Lulu City and Grand Lake a place in Colorado history. Lulu City was probably named for the daughter of its founder, Benjamin Burnett. An early historical document said Lulu Burnett was a beautiful “raven-haired belle.” Her father expected great things of the little mining camp. He platted a town with several city blocks and formed a mining company. Rumors spread that Lulu City was rich in gold and silver. But there were problems. The ores were low grade and played out quickly. Also the camp was located too far from railroads or smelters. The ore had to be hauled so far that mining operations were not profitable. Lulu City was located at 9,400 feet in what is now the far northwest corner of Rocky Mountain National Park, in a remote area difficult to reach through the Never Summer Mountain Range. After growing to a population of nearly 500 in 1881, the town was deserted by 1885. You can still find the location of this old town high in the mountains where the mighty Colorado River begins. Historian C.W. Buchholtz found it in 1982 and wrote: “An aura of mystery hung in the air, filled with ghosts and ruined

dreams...All around the old townsite, nature appeared busy reclaiming that spot... “There at Lulu City, history hardly seemed distant; it was something anyone could touch, smell, feel and almost hear.” ■

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The Senior Voice • August 2008 • 7

Question About Estate Planning By Ron Rutz, Attorney Legal Correspondent Q: I own a number of rentals. Please write about estate issues when real estate is involved. A: The property for tax purposes will be given a stepped-up basis from what was originally paid by the deceased. Thus, an inheritor would escape the deceased’s built up capital gains liability and receive a fresh start at the date-of-death value level. If the property is later sold, the only tax would be upon the appreciation following the deceased’s death. If the estate is large enough, the property identified by a beneficiary can be distributed as that person’s part of his or her inheritance share. If the value of the parcel is greater than the inheritor’s share of the estate, another beneficiary might be included as an owner also, or the recipient beneficiary might pay to the estate the difference between the property’s value and his share of the estate.

The estate might borrow on the property before distributing it so the net value in the property reflects the amount that the recipient is entitled to receive from the estate. If everyone agrees, the property can be put into a Limited Liability Company (LLC) and the units in the company then are distributed to the various beneficiaries. The Articles of Organization can be drafted to reflect such things as the purpose and goals of the LLC owners, how long the LLC will last, etc. Thus, the property can be kept together for an agreed common goal (such as future sale when the market is better, or to pool oil and gas revenues, or to enjoy the premises as a family retreat). Of course, the Personal Representative could simply distribute the property equally to all the beneficiaries and then let them sort out any problems or issues. On the other hand, the Personal Representative has the power to simply sell the property and distribute the cash.

Unless prohibited in the mortgage, the secured indebtedness does not have to be paid off but passes along with the property and payments are then made by the inheritor of the property. It is wise to have the estate buy a title policy to be sure there are no title problems and also to determine if any liens or claims might be present. The inheritor takes all the property’s problems. For example, a

pending lawsuit or a building or yard that must be maintained. In writing a will, the property owner should think through the issues. Otherwise, the property could turn into a legal web. ________________ You can send questions to attorney Ron Rutz at 2625 Redwing Road, Suite 180, Fort Collins, CO 80526, phone 223-8388, email rutz@ ronaldrutz.com. ■

8 • August 2008 • The Senior Voice

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Contaminated Medicines

C

hinese government officials do not have the ability or the will to regulate drugs exported to the United States, said U.S. Commerce under secretary Christopher Padilla. “The rapid growth of China’s economy has clearly outstripped the ability and the will of the government to effectively police that economy,” he said. Contaminated heparin (a blood thinner) killed at least 81 U.S. patients, and the chemical that contaminated the drug came from

China, according to researchers at the Massachusetts Institute of Technology. Other researchers have said the Chinese government rarely inspects the hundreds of chemical and pharmaceutical plants in the country. And U.S. Food and Drug Administration officials say they cannot begin to inspect all such plants in China—though officials know that a large number of drugs used in the U.S. contain chemicals that come from China. ■

Research Ethics Questioned

“U

niversity administrators who are desperate for money will basically do anything they have to for money,” said University of California professor Stanton Glantz. He was talking about a recent report in the New York Times that revealed Virginia Commonwealth University accepted grant money to do research for tobacco company Philip Morris. The tax-supported university was trying to keep the grant secret, according to the Times, and agreed

to give Philip Morris control over what research would be published and what information would be made available to the public. The university’s contract with Philip Morris “is highly unusual and raises questions about how far universities will go in search of scarce research dollars to enhance their standing,” said the Times. Many universities no longer accept grant money from tobacco companies, but they do accept grants from drug companies. ■

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The Senior Voice • August 2008 • 9

History of the Town of Windsor R

ecently there were many stories about the tornado in Windsor. The town was established in 1890 and named after Rev. Samuel Windsor, who

jokingly suggested the name; but the townspeople decided to use it. The ample water and fertile soil around the town attracted farmers, espe-

cially Germans from Russia in the early 1900s. At first, they worked as laborers, but they soon acquired their own farms. The main crops were sugar beets, corn and grain. In 1903 a sugar factory was built and lasted until 1966. The Colorado & Southern Railroad built a depot in the town in 1882. Years later, the train depot was donated to the town for the Centennial Museum. A volunteer fire department was

By Arlene Ahlbrandt

established in 1902, and in 1909 a town hall was built. Now there is a new town hall, but the original one still stands and has been used for various offices. Harry P. Brewer established a radio station in Windsor in 1969. His son bought the station in 1974, and it still broadcasts as KUAD. Mary Alice Lindblad wrote a wonderful history book titled “A Walk Through Windsor.” I thank Ruth Wagner Haake for sharing that book with me. ■

Windsor’s first town hall was built in 1909 and still stands.

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10 • August 2008 • The Senior Voice

Independence By State Senator Steve Johnson

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he Declaration of Independence is the most eloquent and important piece of political prose ever written. It continues to inspire people around the world with its brilliance 232 years after it was written. Perhaps its most bold assertion is stated at the outset: “We hold these truths to be self-evident, that all men are created equal…” While much has been written about how that goal has not always been realized, it has given us an ideal to strive for. This is perhaps the genius of America—that we are never really finished. I think Dr. Martin Luther King, Jr. said it best in 1961 when he said, “For in a real sense, America is essentially a dream, a dream as yet unfulfilled. It is a dream of a land where men of all races, of all

nationalities and of all creeds can live together as brothers.” The Declaration of Independence calls us to be better than we are. When students visit the state capitol and I get the chance to speak to them, I usually ask them where our rights come from. Most say, the Constitution. But while that document secures our rights, the Declaration is their source. The Declaration goes on to say “…and they are endowed by their Creator with certain unalienable rights….” This is key, because if our rights come from men, they can be taken away by men. But if they come from something greater than ourselves, they cannot be legitimately denied by any government. ________________ You can call Sen. Johnson in Fort Collins at 223-8045. ■

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The Senior Voice • August 2008 • 11

Colorado Crosswords By Tony Donovan

Our professional staff is ready to • Show you around our campuses • Help you to figure out which one of our 9 facilities is right for you!

ACROSS 1. 5. 8. 13. 14. 16. 17. 19. 20. 21. 23. 24. 26. 27. 31. 33. 34. 36. 41. 42. 43. 44. 46. 48. 51. 52. 55. 57. 58. 62. 63. 64. 65.

Chimney residue Silverback, for one ___ Fort Rabbit ___ Pass Pons or Tomlin Word which might accompany #61 down Possible RMNP hiker’s destination near Bear Lake Beelzebub His seven no-hitters lead baseball Former Prowers County site begun as a Salvation Army colony in 1898 Poudre River denizen Bartender’s “rocks” Revenue source for newspapers or magazines Graham or Preminger Logan County locale NE of Sterling Mary Todd’s guy Bronco’s owner, Bowlen “America the Beautiful” composer inspired by view from Pike’s Peak Stewart of the Rockies Dumerville’s position on the Broncos South American pack animal Sedgwick County site near the Nebraska line Button inscription on Lee’s uniform Baton Rouge school, briefly How movie director Howard might introduce himself Bric ___. “___ Homo” ___ of the Holy Cross Glenwood Springs neighbor Basil flavored sauce Out of the wind Jury member “I haven’t seen him ___ ___.”

ANSWERS

66. Camera type, briefly 67. ___ Anderson was the Broncos #1 draft choice in 1973

DOWN 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 15. 18. 22. 25. 28. 29. 30. 32. 33. 35. 37. 38. 39. 40. 45. 46. 47. 49. 50. 53. 54. 56. 59. 60. 61.

Julesburg’s county Galley implement “Little Pittsburg” find “Ivan the Terrible,” for one Loveland’s U.S. senator Ferante and Teicher played them Wapiti Aspen neighbor Former Bronco scoring leader “I’m sorry, the doctor is ___ ___.” This and ___. Far East electronics maker Hasn’t happened so far The way I see it Weld County locale named for Indians of the area Moffat County town west of Steamboat Springs Business card abbr. Birthstone for October Goblet parts Cry before a mishap, perhaps Ampersand meaning “___ ___ of Two Cities” Outdoor recreationist’s store of choice Hoosier state ___ Peak near Ft. Garland is the state’s fourth highest Dusty ___, writer for the Rocky Mountain News Mining town near Cripple Creek Worsted yarn for embroidery and edging Sport for Beckham or Hamm Small Baca County town near the Oklahoma line Ft. Morgan neighbor A South African of Dutch descent Pay to play Bruin nickname of the 60’s and 70’s “The Big Easy” of golf Asian holiday Gift which might be presented when #16 across is spoken

Colorado Crosswords are created exclusively for The Voice by Tony Donovan, who lives in Loveland.

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12 • August 2008 • The Senior Voice

Events and Exhibits Loveland Stone Age Fair Free exhibits of Indian pottery, arrowheads and other artifacts. Free lectures by expert archaeologists. September 27-28, Pulliam Building. Call 303-732-1085 or see www.stoneagefair.com. Fort Collins Historic Homes Tour September 13, seven historic homes. Tickets available August 11 at Ace Hardware stores, Fort Collins Nursery, Perennial Gardener, and Avery House. Call 484-7137 or email [email protected].

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A COLORADO PIONEER FAMILY

Greeley Festival Annual Potato Day festival, September 6 at Centennial Village historical park, 1475 A Street. Call 339-3664. Red Feather Lakes Library Travelogue show by Colorado Mountain Club. Visit to Swetsville Zoo. Poetry reading by Robert King. Friends of the Library annual potluck. Friends of the Library book sale. Meet artist Rebecca Bizzell. Call Sarah Myers, 881-2664. ■

Good Advice for Patients

H

amilton Jordan fought four different kinds of cancer after he served as President Jimmy Carter’s chief of staff. He wrote about that and offered this advice to patients: Be an active, not a passive, patient. Ask many questions, learn about your disease and participate in decisions. Always get a second opinion. If your doctor questions that, you need a different doctor. Use a doctor with lots of experi-

ence with your condition. If one says, “I’ve never seen this before,” you need a different doctor. Use a doctor with a positive attitude. If he believes he cannot cure you, that will cause you to believe the same thing. Belief and emotional attitude are powerful forces. When the mind is healthy, the body’s immune system is strong; when the mind is depressed, the immune system is weakened. ■

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The Senior Voice • August 2008 • 13

Memories from a Pioneer Family By Lauraine Wagner

M

artin and Ollie Wright could only watch while their crops died in hard, hot winds in the summer of 1895 and for the two previous years near Ruskin, Nebraska. Their daughter Mabel, four years old at the time, recalled years later: One of father’s friends, Albert Hall, had gone to Waco, Texas, and wrote that there was plenty of construction there and father could be sure of work. Early in September, we started for Texas (in a covered wagon). The road was a long one, most of it just prairie grass, few trees and very few settlers. We would make camp just before dusk and cook our supper over a campfire. Oklahoma was more sparsely settled than Kansas. There were a few Indians, but they were civilized. We traveled slowly due to the heavy load. Darb, the dog, refused to ride;

so his feet became very sore and would bleed. Every night, Papa would doctor them with salve and bandage them. My little sister Marie and I took naps every afternoon in the back of the wagon. Mama spent much time reading to us and telling us stories. I learned my letters and to count and read a little. Marie had just learned to walk before the trip but had to learn again when we arrived. We had just been riding too long. The Red River was a half mile wide with water showing only here and there. It was quicksand and very treacherous. We camped two days. There were men there that advised people of the dangers Papa was asked, “Will your teams obey you or will they balk?” He said, “They will obey.” “Do you see those black flags? They mark where two outfits have gone down recently.” I was too young to realize what Papa was doing as he paced back and forth, but I know now that he

New Medical Discoveries

D

o new medicines come mainly from scientific research done by drug companies? No, says Harvard Medical School researcher Marcia Angell. New medical discoveries come mainly from academic researchers or small biotech companies. Big drug companies “acquire discoveries from universities or small biotech companies, then develop them for commercial production,” said Angel in a New York Times article. Much of the academic research is paid for by

taxpayers. The big drug companies are good at perpetuating the myth that they discover new medicines, said Angell. But that’s not the case. “Nearly every top-selling drug today has progenitors dating back many years, often based on NIHfunded research at universities,” said Angell. “The problem with this sequence—publicly funded innovation handed off to the drug companies—is that the industry expects to be rewarded as though it were the source of innovation.” ■

was praying. After the second day, all preparations were made. I sat hugged up against Mama with Marie on her lap. Papa went around once more, stopping with each animal and seemed to say something to each one. He picked up the lines, looked at us on the wagon, and said, “Ollie, shall we go?” Mama said, “We started to Texas, didn’t we?” With that, he cracked his long whip and said, “Go!” The teams plunged ahead with Papa walking almost at a trot and hollering, “Mike, Molly, Billy, Kate!” We went right up the bank on the far side of the river and paused to catch our breath and give thanks. The rest of the trip was uneventful, and we arrived at our friends’ home in Waco, Texas, thirty-three days after leaving Nebraska. (End of Mabel’s remembrance.) By late fall, 1897, they were back in Nebraska. They left with two young daughters and returned with three children, a son Albert, born in Missouri. They established

a farm near Ruskin again and never left the area. ________________ Lauraine Wagner is the granddaughter of Martin and Ollie Wright. She lives in Fort Collins. ■

Anti-Glare Lenses

“When I play softball, my glasses are my secret weapon. I see everything and during night games, there is NO glare!” — Bob Wiltgen Loveland

is more than just a game to Bob Wiltgen – it’s SBoboftball his life. As a competitive senior league team member, plays shortstop and travels all over the United

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A covered wagon at the Encampment, Wyoming, Museum. Senior Voice photo.

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States. He recently found that his vision wasn’t what it should be, and night ball had become impossible due to glare of the lights. Dr. Kirk checked the health of his eyes, calculated a new glasses prescription and also recommended visiting the Optical Department for anti-glare lens in his glasses. “This was the best experience I have ever had at an eye doctor. Everyone was professional from start to finish. My glasses are now my secret weapon. I see everything, my game has improved and when we play night games, there is NO glare. All my friends want to know my secret. And, I’m glad to say it’s Dr. Kirk and my new glasses.”

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14 • August 2008 • The Senior Voice

The Lady Who Got What She Wanted By Bill Lambdin

W

hen early Denver society leader Louise Hill heard that her lover had married another woman, she said, “I’ll break him!” She did. And he shot himself. In 1895, Louise was married to one

of the wealthiest men in Denver, Crawford Hill; but she maintained a love affair during her marriage with Bulkeley Wells, another wealthy man. After her husband died, Louise expected Wells to marry her. But he married a much younger woman, and Louise was furious.

Louise Hill. Colorado Historical Society.

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She convinced one of Wells’ biggest investors to withdraw his support. The lover realized he was headed for financial ruin. Rather than face that, he shot himself. Louise’s husband apparently knew of her love affair with Wells and did nothing about it. Louise usually got what she wanted. Born in 1861, she was a beautiful woman from an aristocratic Southern family. In addition to controlling men, she also controlled the social scene in Denver for 50 years. In 1908 she published a 111-page booklet called “Who’s Who in Denver Society” containing the names of people Louise considered the social elite. She alone decided whose names were listed in categories she devised such as “The Smart Set”; “The Married Set”; and “Worth Over a Million.” She included herself at the top of the list under the category “Types of Denver Beauty.” Louise was not a social climber. Her husband had so much money, she started at the top. Her husband’s father was among Denver’s pioneer elite, making millions in mining and serving as Colorado’s first U.S. Republican senator. Louise knew how to use the press to keep her name in front of community leaders. Reporters eagerly covered her extravagant parties at which she always made a grand entrance on the staircase, announced by the orchestra, in a gorgeous gown and expensive jewelry. She was the only Denver woman of her time to be presented to England’s King Edward VII at Buckingham Palace. For that, she wore a diamond tiara, a white satin gown embroidered with diamonds, and a red velvet train trimmed in 14-karat gold. Denver ’s old guard of society ladies had held tea parties in their homes. Louise held champagne lunches at the new Denver Country Club. The old guard talked of Victorian

etiquette. Louise hired a New York City dance instructor to come to Denver and teach her friends the “turkey trot” and other new dance steps. If Denver finally became something more than a cowtown, Louise Hill was probably responsible. She lived a long, active life and was without question the town’s society leader for half a century. It was a great party, and it did not end until she died at age 94 in 1955. ■

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The Senior Voice • August 2008 • 15

Laughter Is the Best Medicine

A

blonde woman speeding down the highway was pulled over by a woman police officer who was also a blonde. The cop asked to see her driver’s license. She dug through her purse. “What does it look like?” she asked. “It’s square and has your picture on it,” said the cop. The driver finally found a square mirror in her purse, looked at it and handed it to the police woman. The blonde officer looked at the mirror, then handed it back saying, “Okay, you can go. I didn’t realize you were a cop.” A TV interviewer asked an

Indian chief, “Where do you think the white man went wrong in America?” The chief said, “When white men found the land, Indians were running it. There were no taxes, no debt, medicine men were free, the water and air were clean. Women did all the work; men hunted and fished all day. Only the white man was dumb enough to think he could improve that system.” Scrawled on the men’s restroom wall at a truck stop in northern Wyoming: “I hate this part of Texas.” And on the prophylactic dispenser: “This gum tastes like rubber.” And on the toilet seat paper

cover dispenser: “Free cowboy hats.” Observations from Steven Wright: In my house there’s this light switch that doesn’t do anything. Every so often I would flick it on and off just to check. Yesterday, I got a call from a woman in Germany. She said, “Cut it out.” I had a dream that all the victims of The Pill came back... Boy, were they mad! I bought this thing for my car. You put it on your car, it sends out this little noise; so when you drive through the woods, deer won’t run in front of your car. I installed it backwards by accident. I‘m driving down the street with a herd

of deer chasing me. I installed a skylight in my apartment. The people who live above me are furious! Last week I bought a new phone. I took it out of the box, hooked it up to the wall, and pressed redial. The phone had a nervous breakdown. I had a friend who was a clown. When he died, all his friends went to the funeral in one car. I bought a dog and named him Stay. It’s fun to call him: “Come here, Stay! Come here, Stay!” He went insane. My birth certificate has an expiration date. Last week the candle factory burned down. Everyone just stood around and sang Happy Birthday. ■

Your Questions About Investments By Scott Burns Financial Writer Q: What is your opinion of a retirement plan that would consist entirely of investments in highdividend-yield stocks, aiming for a dividend yield of 3.5 percent to 4 percent? The dividend income would be used to pay living expenses. Would this approach be safe, and would it beat the 50 percent stocks, 50 percent bonds of the Couch Potato portfolio? A: This is most commonly seen in “equity-income” funds that attempt to provide a dividend yield greater than the S&P 500 index. I admire this approach and think it is particularly useful for retirees. The greatest losses happen when we are forced to sell assets to meet income needs—so the more you can do to have your investments provide all the cash income you need, the better. The greatest danger in a highyield stock portfolio is that it will be concentrated in a few industries. Banks are among the top dividend payers today, along with REITs, some electric utilities, the tobacco companies and a few pharmaceutical companies. Less diversification means more risk. Another danger is that you can lose a great deal of money if you are forced to sell stocks to pay for

an illness or other disaster. The only thing you can be certain of is that your personal disaster will happen during a period of falling stock prices, not rising stock prices. So you won’t find me endorsing a 100 percent stock portfolio. As a source of protection and diversification you should consider an 80/20 stock/fixed-income portfolio with the bonds invested in a five-year ladder of Treasury notes. The ladder will provide you with a minimal-risk source of emergency funds and a relatively good yield. With yields on one-to five-year Treasurys around 4 percent, it would meet your income requirement as well. Q: I am 60, and my wife is 56. Our combined earnings are $185,000. We have $170,000 in our 401(k) plans, $200,000 in taxable bonds, $30,000 in company stock, $120,000 in savings, about $35,000 equity in a house valued at $110,000, and about $300,000 in equity on our $600,000 home. We contribute $46,000 a year to our 401(k) plans and owe $5,000 on a credit card. Our cars are paid for. We would like to retire on an income of about $100,000 when I am 66. Do we need to save more? A: One of the big factors is

your expected Social Security benefits. Since both of you are near-maximum earners, you can expect combined Social Security benefits in excess of $40,000. Let’s say your future benefits will be about $45,000. That leaves you with the need to provide $55,000 from your investments if you are to meet your $100,000 target for retirement income. That suggests a nest egg of about $1.375 million if you are to plan a safe withdrawal rate of 4 percent. It’s $1.1 million if you are willing to take a bit more risk and withdraw at 5 percent. If your current nest egg and annual savings of $46,000 grow at 5 percent a year, you’ll have a tad over $1 million. If they grow at 8

percent, you’ll have about $1.17 million—a small margin over the lower target. Increase the amount you save by as much as possible so you’ll be closer to reaching the minimum nest egg amount even if your return is only 5 percent. Take a close look at your savings as a portfolio and consider changes that would bring your likely return to 8 percent. That will probably require an increase in your allocation to equities. ________________ Scott Burns is a longtime financial writer for The Dallas Morning News and other papers. He does not sell investments. He will answer some questions of general interest sent to: scott@scott burns.com. ■

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The Senior Voice • August 2008 • 16

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