The Senior Voice - July 2008

The Senior

I O C V E Ju l y 2 0 0 8

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

Wild Ghost Bill Town Hickok In Northern The Man and Colorado the Myth

North Longs Colorado

Peak

First Pioneer Pioneer Town

Climbers

Frontier School Outlaws Snake in In Early the Classroom Colorado

Cover Picture: Skiing Maroon Bells Steamboat Mountains, Springs see page 3

2 • July 2008 • The Senior Voice

About Healthcare By U.S. Senator Ken Salazar

 

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here is little doubt in my mind that America’s health care system is broken. We are headed toward a crisis, and Americans are finding it more and more difficult to obtain affordable care. I was reminded of a comment that sums up my view: “The health of this nation is a national concern; financial barriers in the way of attaining health should be removed.” That statement was made by President Harry Truman in 1945. It is clear that the issue has been building for years and has, in my opinion, reached the breaking point. With an annual health care expenditure of over $2 trillion, we are spending more per capita than our counterparts throughout the world. In fact, the U.S. currently spends 50 percent more per capita on health care than other industrialized countries.

But what success do we see as a result of this investment? Based upon statistics with which we have become all too familiar, the dollars are not translating into readily-accessible, high-quality care. Our high spending might not be such a cause for concern if we knew that our citizens had access to care that produced outstanding outcomes, but that is not the case. I hear from people in Colorado every day who cannot afford treatment for their basic health care needs. According to the Department of Health and Human Services, nearly 40 million people (19 percent of the U.S. population) did not receive “needed services” in 2005 because they could not pay for them. Where is the money going? ________________ You can call Sen. Salazar’s Fort Collins office at 224-2200. ■

Compassionate care for the whole family, when and where it is needed the most.

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The Senior Voice • July 2008 • 3

Wild Bill Hickok By Bill Lambdin

VOL. 28, NO. 8

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n poker, aces and eights are called “a dead man’s hand” because that’s what Wild Bill Hickok held when he was shot to death at Deadwood, South Dakota, in l876. A local drunk shot him in the back while Hickok played cards in a saloon, according to some researchers. Hickok was 39 years old, the most famous lawman of his time. The drunk was 25. Born James Butler Hickok in l837 on an Illinois farm, Wild Bill became one of the West’s best known figures. Many stories have been told about him, some true but most exaggerated. He shot several men but not as many as people believed. He joined Buffalo Bill Cody’s Wild West show, but only for a brief time because he did not like it. He was an impressive looking man, conscious of his reputation and a good shot with a pistol or rifle. He was six feet tall, wide shouldered, with golden-brown hair and a face that many women found attractive. He dressed more like a gambler than a lawman, in a black frock coat, white linen shirt and expensive calfskin boots. Hickok became accustomed to violence as a young man. In l859 he worked as a wagon driver on the Santa Fe Trail and was nearly killed by a bear near Trinidad, Colorado. In l86l some said he shot a stage station operator over a woman they were both courting. Hickok was not a lawman then, and the shooting was considered murder by some people, though Hickok claimed self defense. He worked as a frontier scout for the army, and in l865 he killed another man: David Tutt was shot through the heart at 75 yards with a pistol. That incident earned Hickok a reputation as a deadly, accurate shooter and a man to be feared. In l869 he became sheriff at Abiline, Kansas, then one of the roughest cow towns in the West, where he shot several outlaws or wild, drunken cowboys. Records were not accurately kept on such matters, and few frontiersmen wanted them to be. Although Hickok was a killer, he was not a bully. Strangers who met him were surprised by how quiet and courteous he was. Some of the

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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.

ADVERTISING Ad deadline is 20th of month. For rates, call 970-229-9204; or see www.theseniorvoice.net.

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SALES OFFICES:

Ft. Collins and Greeley (970) 229-9204 Loveland and Estes Park (970) 482-8344 William Butler Hickok. Colorado Historical Society. It was in that town that a 25men he shot probably drew on him year-old bum named Jack McCall first simply because of his reputashot Hickok. The incident was like a tion. bad scene out of an old movie, In one incident, he threw a according to some historians. drunken man in jail for disorderly Some local men were afraid behavior. Some of the man’s drunk Hickok would be elected sheriff of friends found Hickok and tried to Deadwood; so they got McCall kill him. liquored up and convinced him to One grabbed him from behind. kill Hickok. Hickok managed to get one arm No one paid any attention to the free, pulled his pistol, poked it over drunk as he slowly worked his way his shoulder and shot the man. Then behind Hickok’s chair at the poker he shot another coming at him from game. Suddenly a gun exploded, and the front. Hickok’s body was thrown violently Those were the kinds of people onto the card table. he often dealt with as a lawman in The drunk backed out of the frontier towns, the same unsavory saloon and staggered to his horse. characters policemen deal with The saddle belt was loose. As he today. tried to mount, the saddle turned By l87l he had grown tired of under the horse’s belly and McCall that life and joined Buffalo Bill’s fell to the ground. He stumbled show on the East Coast. But Hickok down the street, was caught and disliked show business and returned later hanged. to drift for a time in Colorado and Inside, the famous lawman lay Wyoming. face down on the table, his hand still He married at Cheyenne in l876, clutching his cards: aces and eights. the year gold prospectors began ________________ heading for the Black Hills in South COVER PICTURE: The Maroon Dakota. Hickok joined them and, Bells peaks near Aspen, taken by with a friend called Colorado Andy Cook. See his fine photos at Charley Utter, staked some mining www.rockymtnrefl.com. ■ claims near Deadwood.

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 • July 2008 • The Senior Voice

First Town in North Colorado By Peggy Hunt

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aPorte was the earliest frontier settlement in what became northern Colorado and Fort Collins. The name LaPorte came from a French word meaning “the door” or “gateway.” Early French-Canadian trappers named it as the gateway to the mountains and the Cache la Poudre River canyon which, at that time, provided a rich hunting ground for beaver and other animals. Fur trappers established a camp at LaPorte as early as 1844, more than 20 years before the army built the camp called Fort Collins. Trapper Antoine Janis said, when he first arrived, the valley was inhabited by many Indians living tranquilly in what Janis considered the most beautiful place he had ever seen. Antoine Janis’ historic log cabin stands today outside the Fort Collins Museum. A few modifica-

tions have been made to preserve the roof and windows. But you can see the huge, hand-cut logs that Janis used to build his home here on the frontier long ago. The famous Overland Trail ran through LaPorte, used by pioneers headed West. After 1862 many rode the Overland Stage through here. LaPorte had the region’s first post office in 1862 and was the first county seat of Larimer County, before that office was moved to Fort Collins. So the history of Fort Collins really began with the little French settlement of LaPorte where trappers and mountain men took Indian wives and lived peacefully with the tribes for many years. The army’s Fort Collins was named for Col. William Collins, commanding officer at Fort Laramie in Wyoming territory. In 1864 he sent soldiers to establish a camp here to protect emigrants

The LaPorte stagecoach station, built in the 1800s. Fort Collins Library. traveling on the Overland Trail. William Larimer. The Larimer Larimer County probably should Square district in downtown have been named LaPorte County. Denver was also named for him. In fact, it was when the Colorado It’s unfortunate that LaPorte did territorial legislature first estabnot prevail as the name for the lished counties in 1861. But county. It would have been more someone in Denver decided it appropriate, recalling the French should be called Larimer County in mountain men who settled here honor of early Denver settler long ago. ■

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The Senior Voice • July 2008 • 5

Ron Ball of Estes Park

2008

By Bill Lambdin

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on Ball of Estes Park recently received the Everyday Hero Award from Channel 7 Television. Ball is a retired Los Angeles policeman who moved to Estes Park in 1984 with his wife, Jane. Since then, he has been volunteering for local schools and community groups—singing cowboy songs and teaching art. Some years ago, he performed with Roy Rogers’ son, Dusty, in Branson, Missouri. Ball has written and recorded several western songs, including a CD tribute to Roy Rogers. He is also an artist, painting mainly Western scenes, and has produced several limited edition prints and illustrated two books about horses. He also produced an album of Hawaiian music. At age 13, Ball began working as a wrangler on ranches in Colorado and Wyoming. He was playing music by age seven and entertaining soon after that. Music and art were no doubt beneficial during the 20 years he

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Topic

July

Investment Fundamentals 101

August 6th

Client Appreciation BBQ

August

Retirement Plan Distributions

September

Income for Life

October

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Ron Ball

November

Charitable Giving/Legacy Planning

worked the tough streets of Los Angeles as a policeman. He retired in 1980 as a detective sergeant. He and his wife, Jane, live just outside of Estes Park on the Lazy Easel Ranch. They have six children and 14 grandchildren, whom they say are “the treasures of our lives.” For information on his music, art or performances, call 970-5864557, or email thelazyeasel@ hotmail.com. ■

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6 • July 2008 • The Senior Voice

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New Loveland Farm Museum

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imberlane Farm Museum was recently opened near Loveland at 2306 East 1st Street. The farm was established in 1861 by W. B. Osborn near the Big Thompson River. Mr. Osborn, his wife, Margaret, and their family lived in a log house there built by Mr. Osborn until 1883. Louise Osborn Gardels, greatgranddaughter of W.B. Osborn, retained approximately 17 acres of the original farm and recently opened the property as a museum.

In addition to the residence, there are several farm buildings to see. Farm animals will also be on display. At select times, visitors can enjoy horse-drawn wagon rides, square-dancing, a period farm equipment display, blacksmithing and farrier demonstrations. For more information, call Louise Osborn Gardels or Robert Foley at 970-663-7348. Foley’s cell phone: 970-231-3034. The City of Loveland designated the farm a historic district. ■

Drugs for Medicaid Patients

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ow-income retirees eligible for both Medicaid and Medicare should be able to get medicines sooner and cheaper, according to Kevin Prindiville with the National Senior Citizens Law Center. Since the Medicare Part D drug program began, hundreds of thousands of Medicaid participants have experienced long delays in getting medicines or have had to pay high prices for them. That was partly because Medicare officials and the insurance companies running Part D didn’t

coordinate information. It was also because Medicare officials didn’t coordinate information with the states, which run the Medicaid program. It took lawsuits on behalf of Medicaid participants to force federal Medicare officials to speed up service, said Prindiville. Those participants are supposed to pay only $1.05 for generic drugs or $3.10 for some brand name drugs. Participants were paying up to $75 for drugs or waiting weeks to get medicines. ■

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The Senior Voice • July 2008 • 7

Question About Estate Planning By Ron Rutz, Attorney Legal Correspondent Q: What is the attorney expected to do in settling my estate? A: The answer depends entirely upon the person you select as the Personal Representative. You may have one estate settlement scenario in mind, but the Personal Representative may want or need to pursue a different course of action. That is why in Colorado a Testator (person making the Will) cannot in the Will require the Personal Representative to use a certain lawyer. There are several times in the estate settlement process where legal guidance either may be useful or necessary. Following death, a lawyer can answer questions about what needs to be done right away. The funeral home normally contacts Social Security and orders the death certificates. If a court proceeding proves necessary, many Personal Representatives are capable of submitting the paperwork themselves. Others may think they can but end up frustrated or spending too much time. Thus, the Testator (Will maker) needs to know what kind of personality the Personal Representative has in order to gauge the degree of Attorney involvement. The Testator can perhaps influence the estate involvement of the lawyer by telling the Personal Representative

exactly how much Attorney involvement the Testator expects. But that does not always help. For example, over the years the Testator, the Personal Representative, and I have met where Attorney fees were mentioned. A number of Testators have told the Personal Representative in front of me to pay Attorney’s fees and not quibble about money, since the Testator was aware of the particular Personal Representative’s tendencies for extreme frugality. Some heeded the advice. Others blew if off. I, like most Attorneys, have resigned (quit) when it proved impossible to work with the Personal Representative selected by the Testator. Attorneys normally do not do the final income tax returns or estate tax returns. Thus, Testators should be certain that the Personal Representative knows who is going to be responsible enough to see that the tax matters are handled by someone with accounting expertise. After the estate is settled, the Attorney should take a second look at the big picture, especially if there is a surviving spouse. How smoothly the settlement goes does not rest with the Attorney but with the Personal Representative. Hence, the Testator should think twice about selecting the Personal Representative. The Testator and his Attorney may work well together, but that may not be true for the Attorney and the Personal Representative. Thus, more

and more Testators are selecting Personal Representatives who can work with the desired Attorney. ________________ Attorney Ron Rutz will answer questions sent to 2625 Redwing

Road, Suite 180, Fort Collins, CO 80526, phone 223-8388, or email [email protected]. ■

Medicare Waste Continues

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edicare wastes millions of dollars every year by paying too much for wheelchairs, walkers, oxygen concentrators, diabetic test kits and nearly every product it buys for participants. For instance, officials at the Congressional Budget Office (CBO) say Medicare pays $4,023 for a power wheelchair that anyone can buy online for $2,174. It pays $1,825 for a hospital bed that sells online for $754. CBO officials estimate that Medicare could save at least $1 billion a year if it required companies to bid for such products. In fact, competitive bidding was supposed to happen this year, but lobbyists from manufacturers of wheelchairs and other products are trying to get the law cancelled. This makes some analysts wonder if any real healthcare reform is possible in the United States. It also helps explain why Medicare participants see high premium increases every year. ■

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8 • July 2008 • The Senior Voice

Early School a Hazardous Place

Greeley’s first school, Meeker, built in 1873. Hazel Johnson Collection. the end of a stick. (Editor’s Note: Greeley historian “But the snake was not dead, Hazel Johnson wrote the merely stunned; and all the boys in following story years ago.) the class were involved in the conspiracy. By Hazel Johnson “They wanted to see the teacher scream and jump on a chair when eaching school in the late 1800s the rattler revived. could be hazardous to your “Maud took the snake by the health. string around its neck and put it, still Maud Clark was a teacher and the outwardly dead, on her desk and daughter of Greeley pioneer J. Max went on with the class. Clark. Maud’s own daughter, “Soon she noticed all the Dorothy Gardiner, told of a precarstudents straining to see the snake. It ious situation her mother once faced: had crawled off the desk and was “When my mother was about 17, crawling along the floor toward her. she got a job at $40 a month “To the disappointment of the teaching in a country school near conspirators, Maud did not scream. Platteville—40 pupils of all ages. “She took a ruler, pulled the end “She had to do the janitorial work, of the heavy string toward her and build fires, sweep out the place and picked the snake up with it. As soon deal with a large and rowdy family as the slip-noose tightened, the named Clancy. She had to board with snake went limp again. the Clancys and sleep in the same “By this time, it was no longer a bed with the oldest Clancy girl joke to the class. The students were “It was a tough class, but Maud terrified. was a girl with determination. Some “Maud carried the snake into the of the Clancy boys in the class were yard. When she came back, the as old as she and larger. students let out a sigh of relief. She “One day they came to her and told the Clancys to go kill it. said they’d found a rattlesnake nest “The class didn’t stir. They sat on their farm and asked her if she’d with their hands folded on their put one of the snakes in alcohol for desks, hardly daring to breathe. them if they brought it in. “And after that, if she lifted an “She said she would. They eyebrow at them, they jumped to arrived with a large, apparently dead obey.” ■ rattler dangling from a slip-noose at

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The Senior Voice • July 2008 • 9

Colorado Crosswords By Tony Donovan

Cataract Surgery

“After moving from a small town, I didn’t think I would find this type of personal care, but Dr. Kirk put me at complete ease. ” — Elaine Bonnell Loveland

hen a teacher/librarian is forced to give up books because W she can’t see the type, it is a sad day indeed. That’s exactly what happened for new Loveland resident, Elaine

ACROSS 1.

Remote locale in Jackson County SW of Gould 3. Terrell of the Broncos 7. Denver mayor from 1983 to 1991 and was later appointed as U.S. Secretary of Commerce then Secretary of Transportation 11. Half a pair of sneakers? 12. County in which you’d find Wolf Creek Pass 14. Set of three closely related items 16. Someone you might come face to face with if you sail around Somalia (2 wds.) 17. Blockbuster competitor 18. Woodworking tool 19. Spotted 22. Unpolished 24. “There is nothing like a ___,” South Pacific song 27. Former CSU Ram and Denver Bronco, Bradley ___ Pelt 29. Maglie or Mineo 31. The ___ War began June 25, 1950 33. She founded the Opportunity School in 1916 and was posthumously inducted into the Colorado Women’s Hall of Fame and named Denver’s most useful citizen. 37. Weld County town west of Ft. Lupton 38. Cardinals, on the scoreboard 39. Suffix for “patriot” or “alcohol” 40. Weld County town east of Wellington 42. Hawaii-born golf phenom 44. British gentlewoman who authored “A Lady’s Life in the Rocky Mountains” 45. Type of committee 49. ___ Pass in the Never Summer Range 52. High school class for cut-ups? 54. The ___ Street Bombers (early Rockies’ nickname) 55. Sad feelings 56. Heart patient’s exam, briefly 57. Patriarch of Rocky Mountain National Park: ___ Mills.

ANSWERS

58. County surrounded by Pueblo, Crowley, Kiowa, Mills, Bent and Las Animas counties 59. School adjuncts, often

John W. Colvin, OD & John D. Kirk, MD, FACS

DOWN 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 13. 15. 20. 21. 23. 25. 26. 27. 28. 29. 30. 32. 34. 35. 36. 39. 41. 42. 43. 44. 45. 46. 47. 48. 49. 50. 51. 53.

Bill or Tex Old hat, so to speak Auditorially challenged Confused Big screen venue in Denver Drink from a demitasse Social security for Colorado state workers Part of Q.E.D. ___ Meeker and his Union Colony founded Greeley Sheltered side Scout Carson It’s nothing! Former Bronco coach ___ Miller Mt. ___ is one of the Collegiate Peaks Field workers in the middle ages Grayish soft mineral used in powder form Washington County town between Brush and Yuma Miss Piggy’s innocent question Largest ski area in North America Colony member Former name of Thailand Town where the North and South St.Vrain Rivers meet Young newts ER workers Wildebeest Word before apparent ___ Peaks Wilderness Area #3 across was 30 Palisade enterprise Singer/actor whose ax throwing on the Johnny Carson Show brought down the house ___ choy (Asian vegetable) Capable Ecce ___ ‘ Cheers south of the border Debate side Fluid-filled sac Northern Nevada town Car wash item Pontiac collectible

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

3650 East 15th Street Loveland, Colorado

669-1107

Bonnell. A local optometrist referred Elaine to Dr. Kirk because cataracts were keeping her from enjoying life to its fullest. “From the very first visit, I knew that a small town, supportive atmosphere existed here at Kirk Eye Center. Dr. Kirk put me at complete ease. His skill at removing my cataracts was excellent. And, his concern continued after I got home – he personally called to check on my progress following my surgery.” Elaine could not believe the difference cataract surgery made. She could see detail. She had learned to live without it. “Dr. Kirk gave me the most wonderful Christmas gift ever! I started a new book today and I intend to finish reading every last word.”

w w w. K i r k E y e C e n t e r. c o m

10 • July 2008 • The Senior Voice

Historic Lake By Arlene Ahlbrandt

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Family Owned for Over 90 Years

Lindenmeier Lake in the early 1900s.

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indenmeier Lake in northeast Fort Collins (east of Lemay Avenue) was named for William Lindenmeier, a German immigrant and early settler. He came here after the Civil War in about 1869 and bought the farmland and lake. At that time, the town had 1,300 people Lindenmeier was frugal and ambitious. In winter, he chopped ice from the lake, stored it in an icehouse and sold it to town residents in the summer. He also sold produce from his large garden at a roadside stand on College Avenue. He owned a tavern and billiard hall named the Board of Trade. Later, his son William Jr., managed the farm and in 1908 developed the lake as a place of entertainment— with boats, swimming and fishing. He stocked the lake with large

German carp that were fun to catch but not good eating because they were full of bones. In winter, there was ice skating on the lake. The city street car company ran a trolley to the lake, called the Galloping Goose by early residents. Other people came by horse, bicycle and automobile. In 1912 over 3,000 people celebrated Labor Day at the lake. A band played for dancing at the pavilion. The resort was closed in 1918 partly because of World War I. Today the old trolley is gone, and Lindenmeier Farm has beautiful houses surrounded by the lake. ________________ Editor’s Note: The old cherry mill building Arlene wrote about last month is now used as the Cherry Mill Healing Center. ■

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edical researchers have been saying for years that heart disease is a serious threat to women, but many women still ignore the message or haven’t heard it, according to a report in the “American Heart Journal.” Or maybe doctors don’t talk about heart disease with women as much as they do with men. Whatever the reason, many woman seem to think heart disease is a man’s illness and that women should

not worry about it, say the researchers. But if they have a family history of the disease, women should be just as concerned as men, because they are just as likely to have a heart attack. “Women seem to feel they have a get-out-of-jail-free card when it comes to heart disease,” said researcher Dr. Alexis Anvekar. “They seem to feel that it’s a man’s disease.” But it’s not. ■

The Senior Voice • July 2008 • 11

Cheyenne Frontier Days C

heyenne Frontier Days will be held the last full week in July. The two-hour parade includes mountain men, cowboys and the women who went West with them, covered wagons, surrys and antique autos all filled with colorfully clad passengers, plus horses, marching bands, and even a U.S. Marshall’s posse looking for bad guys. After the parade, crowds pour out to

the parking area where free shuttles run to Frontier Park every ten minutes. There visitors can watch free calf roping or take a complimentary tour behind the rodeo chutes to see the stock. The rodeo is basically the same as the early cowboy contests with broncs and bulls throwing contestants into the dust and steers slipping from an iron grip. Native Americans are in teepees in the Indian Village on the rodeo grounds

where they demonstrate traditional skills and dancers spin and swirl. This marvelous experience is also free. A visit to a replica of old Cheyenne just east of the rodeo stands is worthwhile as costumed folks from the past stroll the streets telling historic tales. Downtown at night there are free concerts in the Cheyenne depot square where dancers of all ages do the two-step or boogie to boot-stamping music. There’s a nightly melodrama at

By Margaret Laybourn the historic Atlas Theater a block away. On Monday, Wednesday and Friday there are free pancake breakfasts, with music and jokes by the Chugwater String Quartet Plus One, Native American dancers, and dozens of rodeo queens signing autographs. Every day the Cheyenne Gunslingers put on a bang-up performance just a block west of the downtown square at noon. It truly is The Daddy Of ‘Em All! ■

Local Events and Exhibits Red Feather Lakes Library Regional art show through July 13; geology workshop, July 10; Alzheimer’s caregiver tips, July 12; free computer class, July 17; bookmaking class, July 19. Ongoing services for computers; children’s programs and other events. Call Sarah Myers, 881-2664.

An early artist’s drawing of a Frontier Days rodeo.

Greeley Libraries Programs on chess, movie discussions, book discussions, sewing, lunches and entertainment. Call 506-8568.

Fort Collins, Music Free live music concerts every Wednesday at 6:30 pm through August 13 at CSU’s Lory Student Center west lawn. Big bands, jazz, etc. Historic Farm in Loveland The W.B. Osborn family farm museum recently opened at 2306 East 1st Street in Loveland. The Osborn family settled there in 1861 as Loveland’s first pioneers. For information, call 970-663-7348. ■

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12 • July 2008 • The Senior Voice

Just Consider This From Senior Voice reader Dick Muldoon.

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he next time you hear a politician talk casually about spending a billion dollars of tax money, consider this: • A billion seconds ago, it was 1959. • A billion minutes ago, Jesus was alive. • A billion dollars ago was 8 hours and 20 minutes at the rate our government spends money. Now consider the taxes you pay: Federal income tax; corporate income tax; federal unemployment tax; dog license tax; fishing license tax; gasoline tax; hunting license tax; inheritance tax; inventory tax; liquor tax; luxury tax; medicare tax; real estate tax; social security tax; sales tax; RV tax; school tax; state income tax;

state unemployment tax; vehicle license tax; vehicle ownership tax; watercraft registration tax; worker’s compensation tax; utilities tax; vehicle sales tax; telephone federal service fee tax; telephone state and local surcharge tax; telephone minimum usage surcharge tax; telephone recurring and nonrecurring charges tax; telephone state and local tax; telephone usage charge tax.... Few of these taxes existed years ago when America first became the most prosperous nation on earth. There was no national debt. We had the largest middle class in the world. Mom stayed home and raised the kids. Will Rogers was right: “It costs ten times as much to govern us now as it used to, and we are not governed one-tenth as good.” ■

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The Senior Voice • July 2008 • 13

Questionable Medical Research By Bill Lambdin

C

onflicts of interest continue to be revealed among university professors who secretly accept money from drug companies for health research. A recent Congressional investigation requested by Senator Charles Grassley (R-Iowa) revealed that some of the world’s leading psychiatrists at Harvard University accepted several million dollars from drug companies but did not disclose many of the payments. Harvard’s Dr. Joseph Biederman accepted at least $1.6 million from 2000 to 2007. His colleagues Dr. Timothy Wilens and Dr. Thomas Spencer accepted similar amounts during the same period, according to the investigation. The three are considered world leaders in child psychiatry. Research published by them over the years prompted many psychiatrists to give children powerful anti-psychotic drugs. That resulted in huge sales and profits for the drug makers. Some psychiatrists question the wisdom of giving such drugs to children, especially those under age six, to control bipolar disorder (a mood problem). But the Harvard psychia-

trists insisted such children should be given antipsychotic drugs commonly used to treat adult schizophrenia. Several million children have received the drugs over the past several years. It is “commercial experimentation on children,” said Vera Sharav with the Alliance for Human Research Protection. “In the area of child psychiatry in particular, we know much less than we should, and we desperately need research that is not influenced by industry money,” said Dr. E. Fuller Torrey with the Stanley Medical Research Institute. Most universities claim they monitor professors’ research grants to avoid conflicts of interest, but Sen. Grassley’s research and that of others suggests otherwise. Universities usually just accept whatever professors report. Biederman, for instance, told Harvard officials he received no money from Johnson & Johnson in 2001. But Sen. Grassley’s investigation found that he accepted over $58,000 that year from that drug maker plus more from others. Such conflicts of interest are “completely unacceptable” said John Burklow with the National Institutes of Health. ■

New Heart Surgery Procedure

A

new device that works like a tiny vacuum cleaner sucks blood clots out of the arteries of heart attack victims and nearly doubles the success rate of angioplasty, according to a report in the New England Journal of Medicine. Blood clots have long been a problem in such procedures because they can break off during angioplasty, move through a vein and cause blockage elsewhere. But surgeons can now insert a

small tube before the angioplasty is done. The tube allows surgeons to suck out much of the clot that could otherwise cause trouble. The suction procedure is called thrombus aspiration. Surgeons using it say it is a quick and fairly simple procedure. It also increases the success rate for patients who do not receive angioplasty within the recommended 90 minutes after a heart attack. ■

Side Effects of Medicine

S

ome congressmen want prescription drug ads on TV to contain an FDA phone number and Internet address so consumers can report any serious side effects of drugs to the FDA. Rep. Jan Schakowsky (D. Ill.) and Rep. Rosa DeLauro (D.Conn.) have asked the FDA to require pharmaceutical companies to include such information in each TV ad. The legislators say a nationwide survey by Consumers Union shows

that 16 percent of Americans have experienced an adverse side effect from a drug that was serious enough for them to see a doctor. Consumers Union said only 7 percent of the people surveyed knew that the FDA was the place to report a side effect. Rep. DeLauro also wants to prohibit TV advertising of new drugs until they have been on the market for three years—to give time for side effects to be revealed. ■

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14 • July 2008 • The Senior Voice

Berthoud Named for Railroad Man its founders. There he met William Loveland, founder of the Colorado Central Railroad, and became the railroad’s chief engineer. Berthoud laid out the line from Longmont north to Loveland, Fort Collins and Cheyenne; also the line from Golden to Greeley and Julesburg. Although the town of Berthoud was named for him in 1877, he was not the first pioneer there. Lewis Cross had taken up farming in the

By Lois Hall

T

he town of Berthoud near Loveland was named for one of Colorado’s most respected pioneers. Edward L. Berthoud was a surveyor and civil engineer who laid out railroad lines for the Colorado Central Railroad, which established the town of Loveland. He was also one of the first teachers at the Colorado School of Mines in Golden. His most noted achievement was discovering a route through the mountains west of Denver that eventually allowed railroads to reach Salt Lake City and the West Coast. That route, named Berthoud Pass in his honor, is still used today. He was born in 1828 in Switzerland and came to America with his parents in 1830. He studied engineering at Union College in New York. When the Colorado gold rush began, he and his wife traveled

Life Annuity Good for Retirement The town of Berthoud was named for Edward Berthoud. Colorado Historical Society. by covered wagon to a mining supply camp just west of Denver. That camp later became the town of Golden, and Berthoud was one of

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area in 1860 after trying his luck in the gold fields. Edward Berthoud served as a trustee for 15 years at the Colorado School of Mines after joining its first faculty in 1872. He wrote scientific articles for the Rocky Mountain News and other publications for many years. He died in 1908 at the age of 80. His contributions to Colorado are still remembered through the places that carry his name. ■

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By Scott Burns Financial Writer Q: My company recently changed our pension plan and froze the dollar amount under the previous plan. The new plan will probably be good for younger employees. But I am nearing Social Security age and had planned to retire by the end of next year or sometime the following year. I do not have time to recover the loss of lifetime monthly income under our new plan, and now I am fearful the company may make more changes after I retire. I am considering taking half of my lump sum distribution, buying a lifetime annuity and investing the other half in a rollover along with my 401(k) funds. This plan, along with my Social Security benefits, should give me a more secure plan to last me the rest of my life. Do you agree? Or I could take the full lump sum and invest it all. Taking 4 percent might run me a little short if the market is down. However, I would still have all of the money. A: Life annuities are a good tool for reducing your living standard risk in retirement. If you invest a portion of your lump sum pension settlement in a life annuity, your retirement income will come from more sources—Social Security, pension/ annuity, investments and (hopefully) debt-free homeownership. Because life annuities deliver a

relatively high income (as a percentage of dollars committed), converting a portion of your savings into a life annuity can work to reduce the amount of income you need from the savings that you invest, allowing them to grow for later use and reducing the risk of large early withdrawals. One study has shown the portfolios are likely to survive longer if a portion of the portfolio is committed to a life annuity. At www.immediateannuities.com, you can get quotes for different types of contracts. A $100,000 investment would provide a life income of about $650 a month for a man, $605 a month for a woman, and $550 a month for a joint and survivor annuity with a 100 percent benefit to the survivor. That last figure, $550 a month, is 6.6 percent of the original investment, significantly more than you can safely withdraw from a portfolio. When you purchase the annuity, make sure you understand the implications of its terms. Pensions require that you use a “joint and survivor” option—a lifetime income for you and your spouse—unless the spouse signs off on a “life only” annuity. While the survivor benefit is generally reduced, it can be a vital part of your long-term planning. ________________ Scott Burns is a longtime financial writer for the Dallas Morning News and other papers. You can send questions to [email protected]. ■

The Senior Voice • July 2008 • 15

Laughter Is the Best Medicine A

grandfather took his 7-year-old granddaughter for a car ride every Sunday morning. One day he had a cold; so his wife took the girl for a ride. When they got home, he asked the little girl if she had a good time. “Yes,” she said, “and we didn’t see a single s.o.b. or damn jerk the whole time.” A woman was remodeling her bedroom and needed a small night stand by her bed; so she put a wantad in the newspaper: “Wanted. One night stand.” She got some strange phone calls. A woman unloaded her cart at the grocery store cash register and noticed a drunk man in line behind her. As she waited for the items to be rung up, the drunk said to her, “You must be single.” She was surprised and wondered how he knew she was, indeed, single. She thought maybe he guessed it from her grocery items.

But they were milk, eggs and nothing indicating she was single. She finally turned to him and said, “How did you know I’m single?” He replied, “Because you’re ugly.” An eagle was sitting in a tree when a rabbit on the ground looked up and said, “I’d like to be like you, Mr. Eagle.” “What do you mean?” asked the eagle. “Just sit and do nothing.” “Well, why don’t you?” So the rabbit did. But a fox came along, jumped on the rabbit and ate him. Moral: You must be high up to sit and do nothing. Definition of an Irishman: He hasn’t kissed his wife in 20 years, but he will kill any man who does. Murphy told his friend, “My wife is driving me to drink!” His friend said, “You’re lucky. Mine makes me walk.”

Mike told his buddy, “My mother wanted me to become a priest, but I didn’t. Can you imagine giving up your sex life, then every week listening to people describe theirs in detail?” Clifford Roberts was considered the man who years ago did the most to make the Masters golf tournament successful. He seldom took no for an answer. One year he wanted to move the tournament date to a week earlier in April but was told the players would be finishing on Easter Sunday. Roberts said, “Well, find out who’s in charge of Easter and get them to move it.” Female golfing terms: • Good lie: Weight on the driver’s license. • Slice: “No thanks...just a sliver.” • Tees: Putting on that Victoria’s Secret negligee. • Water hazard: Giving the kids too much to drink before a road trip. • Wedge: Bathing suit’s too tight. ■

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The Senior Voice • July 2008 • 16

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