The Senior Voice - October 2009

The Senior

I O C V E October 2009

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

Famous Ghost Pioneer

Town North

InColorado’s Northern Nathan Colorado Meeker

Outlaw Longs Jack Peak Pioneer Slade Climbers In 1800s

Fort Outlaws

In Early Laramie Colorado Old West Outpost

Estate Skiing Steamboat Planning: Springs Probate

2 • October 2009 • The Senior Voice

Questions About Estate Planning By Ron Rutz, Attorney Legal Correspondent Q: You have said how easy and inexpensive it is in Colorado to use probate court. But what if I don’t want to go to court? A: Joint Tenancy. Many people add additional names as joint tenants with right of survivorship to an asset title. If a joint owner dies, title will be transferred to the other owners without the need for court administration. But there are some down sides to this practice. Adding names as owners results in gift tax ramifications if the value of the transferred share exceeds $13,000 for each recipient. The combined state and federal tax that would need to be paid by the giver is around 50% of the excess over $13,000. In order to escape tax liability, the giver would need to file the necessary gift tax forms. At the time of death, there is no step-up in basis for the receiver’s interest in an asset. The deceased’s share would increase from what was paid initially for the asset to the

value at the date of death. Thus, for capital gains purposes, if the asset is sold at the date of death value, capital gain taxes would be paid on the gifted portion. Also part of the $500,000 (for a couple) or $250,000 (for a single person) capital gain’s home exemption is lost if the asset is the principle residence and is sold before death. What if, instead of the giver dying first, a recipient dies? Title will transfer to the remaining title holders, thereby preventing the deceased’s family from taking the deceased’s share. Finally, if someone becomes an owner through adding his or her name to the title, he or she could force a sale of the asset. The recipient of the gift is the owner. To restore ownership to the original owner, the recipient would have to voluntarily give back the asset, which then triggers a gift with all the problems previously described. Beneficiary Designations. An asset that can have a beneficiary designated (i.e., payable on death [POD] or transfer on death [TOD]),

can also avoid probate. However, this device is not available for all assets. Also the POD or TOD takes priority over the Will; so be sure that the disbursement of proceeds through a POD or TOD is what is desired and also will not affect the overall distribution goal as provided in the Will. Finally, consider what happens if a beneficiary dies first. Some instruments will pass the decedent’s share

down to the descendent of the deceased while other POD or TOD investments will just redistribute the deceased share among the remaining beneficiaries, thereby eliminating the deceased’s family from inheriting. ________________ Attorney Ron Rutz will answer questions sent to 2625 Redwing Road, Suite 180, Fort Collins, Colorado 80526. Phone: 223-8388. Email: [email protected]. ■

Canada’s Healthcare System

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mericans are getting a lot of wrong information about Canada’s health care system, say researchers at Harvard, Princeton and other universities. “The public in Canada is far more satisfied with the system than they are in the U.S., and health care is at least as good,” said Donald Berwick with the Institute for Healthcare Improvement in Boston. Stories about long waits and inferior treatment in Canada are simply not true, say Berwick and

others. Canada’s system costs nearly 50 percent less for each person. The infant mortality rate is 34 percent lower than in the U.S. Canada’s system operates like Medicare in the U.S. Canada saves billions of dollars by avoiding unnecessary procedures and administrative costs. For instance, its doctors do one-fourth the number of MRI scans as U.S. doctors do. In the U.S., administrative costs at insurance companies use up to 18 percent of every dollar. Canada spends 4 percent on such costs. ■

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The Senior Voice • October 2009 • 3

Pioneer Nathan Meeker By Bill Lambdin

VOL. 29, NO. 11

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reeley was founded in 1870 by one of Colorado’s most famous pioneers: Nathan Meeker. His name survives through Mount Meeker next to Longs Peak, the town of Meeker in western Colorado, and the Meeker Massacre where he met a tragic death. Meeker was born in Ohio in 1818. As a young man, he was determined to be a writer. He wrote mostly poetry until he became a reporter for a New Orleans newspaper, where he nearly starved. He returned to the Midwest and married the daughter of a New England sea captain who had moved to Ohio. Arvilla was four years older than Meeker, had been married before, and was much less of a visionary than he was. She already had two sons, and she held the family together during some hard times. Meeker opened a store in southern Illinois, but it was not successful. He was more interested in writing about the social causes of the day, like the agrarian co-operative movement that eventually led him to establish an agricultural colony at Greeley. That visionary aspect of his personality eventually cost him his life and ruined the lives of others. During the Civil War, he wrote numerous articles against slavery, and New York Tribune publisher Horace Greeley happened to see them. Greeley hired Meeker and made him agricultural editor for the newspaper. In 1869, Meeker came to Colorado to do a story about farming in the West. That’s when he got the idea of establishing a colony here, using irrigation to turn the dry plains into farmland. He returned to New York and promoted the idea in Greeley’s newspaper. It caught on, mainly because the East Coast economy was depressed after the Civil War and people were interested in taking advantage of the recently passed homestead act that offered free land. Meeker’s Union Colony group arrived in 1870 and named their town after Horace Greeley. Meeker was a highly religious man, and his leadership helped hold the colony together. Similar agricultural colonies failed in Colorado. But Meeker had borrowed money from Horace Greeley, who

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Ft. Collins and Loveland (970) 229-9204 Greeley (970) 454-3789 Greeley founder Nathan Meeker was killed by Indians at the Meeker Massacre in 1879. Hazel Johnson Collection. died suddenly in 1872. Horace’s heirs demanded repayment. To raise money, Meeker took a job as a government Indian agent on the Ute reservation in western Colorado, near what later became the town of Meeker. There in 1879, he and every white man at the agency were killed when the Utes became angry with Meeker. He had insisted the Indians give up their way of life and become farmers—an insulting occupation to the Utes. In their society, women did that kind of work; men hunted. In not understanding that, Meeker made a fatal error. He also insisted the Utes call him “Father Meeker” and he treated them like children. When he plowed up their best horse pasture and sent for military troops to back him up, the Utes thought he intended to attack their villages. They remembered how troops had killed and mutilated Indian women and children a few years earlier at Sand Creek in eastern Colorado. Many historians now believe the treatment the Utes

received from Meeker and other government officials was wrong, amounting to a number of broken promises and deceptions. The Utes believed Meeker had betrayed them, and perhaps through ignorance or arrogance, he had. The Meeker Massacre was the last Indian uprising in Colorado and resulted in the Utes being banished to the Utah desert. Meeker lost his life, and the Utes lost their homeland. ________________ COVER PICTURE: A mountain lion and her cub, taken by professional photographer Tom Wolff Mussehl. See his photos at WildLifePhotoart.com and at his studio in Estes Park, Wildlife Photo Art Gallery, 440 East Elkhorn Avenue. Phone 970-577-1111; email [email protected]. Mussehl is a retired wildlife biologist from the Montana Department of Fish, Wildlife and Parks. He has won awards from the International Wildlife Film Festival and other groups. His photo collection includes big game, small mammals and birds. Wolves are a special interest. ■

EDITORIAL DEADLINE Announcements and stories must be received by the 10th of the month.; ads by the 20th of the month. READER INFORMATION Subscriptions $48 a year. The Senior Voice welcomes readers' letters and contributions. The Senior Voice assumes no responsibility for damaged or lost material submitted by readers.

© Copyright 2009 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 editor.

Dr. William and Peggy Lambdin Founders, 1980

4 • October 2009 • The Senior Voice

State Legislature

Social Security By Stephen Clifton, Director Social Security Office, Greeley

W

hile some baby boomers expected to retire at one of the traditional milestones such as age 62, the current economy is forcing many to re-evaluate their plans. Many are wondering if they should work longer or how their Social Security benefit—or their spouse’s benefit—would be affected if they continued working. To help find answers, Social Security has published a fact sheet called When To Start Receiving Retirement Benefits. You can read it online at www.socialsecurity.gov/ pubs/10147.html. As most workers know, your choice of a retirement age can dramatically affect your monthly Social Security benefit amount. If you choose to start receiving benefits early, the monthly payments will be reduced based on the number of months you receive benefits before you reach your full retirement age. The rate of reduction will

depend on the year you were born. The maximum reduction at age 62 will be: 25 percent for people born between 1947 and 1958; 30 percent for people born after 1959. If you wait until your full retirement age, your benefits, your benefits will not be reduced. And if you choose to delay retirement, your benefit will increase up to eight percent a year from your full retirement age until age 70. However, there is no additional benefit increase after you reach age 70, even if you continue to delay taking benefits. Social Security also has created several retirement planners to help you make an informed decision. We have an online calculator that can provide immediate retirement benefit estimates to help you plan for retirement. The online Retirement Estimator uses information from your own earnings record and lets you create “what if” scenarios. You can, for example, change your “stop work” date or expected future earnings to create and compare different retirement options. ■

By John Kefalas Colorado State Representative

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here are several ways to reduce your property taxes by participating in the senior homestead and disabled veteran property tax exemption program. Those eligible can receive a 50 percent tax reduction up to $200,000 of the home’s value. Unfortunately, the state legislature had to suspend the senior exemption for tax year 2009 while maintaining the disabled veteran exemption. I will strive to restore the senior exemption in the upcoming session. The Senior Citizens’ Property Tax Work Off Program allows you to temporarily work for the county to reduce your property tax bill up to $400 per household. And the Tax Deferral for the Elderly and Military Personnel program allows seniors and active military personnel to defer property taxes in the form of a lien to be paid upon the sale or changing hands of the residence. The legislature is also protecting most senior services such as those

provided through the Area Agencies on Aging like Meals on Wheels. We continue to provide long-term care for low-income seniors that require nursing home care, and our aim is to keep people in their homes through community based services. In recent years, we have created programs to help seniors access Medicaid Part D; locate people with Alzheimer ’s who have gone missing; streamline eligibility for Medicaid; lower prescription drug costs; and fund free fishing licenses. Seniors can use all of Colorado’s state parks with a $10 lifetime pass, and they can ride public transportation for free or at reduced rates. We keep utility costs affordable for seniors through LEAP and Energy Outreach Colorado to help keep the heat on during the winter. There is also assistance to weatherize your home and save on energy bills. Feel free to contact me with questions or concerns. Phone 970221-1135; email john.kefalas. [email protected]. ■

You need some qualified Medicare advice. Our specialists can help. Switching your Medicare coverage? Whether you need to or just want to, we have good news. Rocky Mountain Health Plans has never abandoned a Medicare market in our over 35-year history. So if it’s stability you want, you’re covered. We also offer a variety of plans to suit you including a new $0 premium plan with free preventive care and a worldwide travel benefit. All of it explained by a licensed Medicare specialist in terms you can understand. Call us at 888-251-1330 or TTY 800-704-6370.

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The Senior Voice • October 2009 • 5

Colorado Doctor Shortage

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he shortage of doctors in rural communities is rapidly increasing, say analysts with the Colorado Rural Health Center. Four counties in Colorado do not have a doctor in them: Jackson County northwest of Fort Collins, Crowley County east of Pueblo, San Juan County north of Durango, and Clear Creek County west of Denver. Some residents have to drive over 100 miles to see a doctor, and the situation is getting worse. There are 75 openings for doctors in rural Colorado

towns. Two years ago, there were 62 openings. Nationally the number of medical students choosing primary care has declined by nearly 52 percent since 1997. That’s because primary care doctors make much less money than specialists. Some rural doctors earn only $50,000 a year after expenses. Medicare and most insurance companies pay rural doctors lower rates than urban doctors. And it’s becoming increasingly difficult to find doctors who will accept Medicare patients. ■

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alk-in medical clinics in retail stores like Wal-Mart and Target are different from urgent care centers and will probably become more popular, according to research reported in the Annals of Internal Medicine. The clinics are typically staffed by a nurse practitioner and physician assistant instead of a doctor, and they treat minor illnesses and injuries like sore throats, ear infections, and urinary tract infections. They also provide vaccinations and other services, are usually open seven days a week and holidays, and require no

appointment. Costs range from $30 to $100. Researchers said most customers are pleased with services at the clinics. Analysts expect more than 6,000 of them to open within the next few years. About one-third of Americans currently live within a ten-minute drive of the clinics. Many of them are operated by companies like MinuteClinic (http:// minuteclinic.com), which recommends you call your insurance company to see if it covers treatments at such clinics. ■

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steoporosis is a more serious diagnosis than some people think, say researchers. But a newer diagnosis called “osteopenia” might not be. Osteoporosis can lead to a fall and broken hip. Mature people who break a hip have a 25 percent chance of dying within five years, and osteoporosis is the major cause of weak bones that prompt people to fall. Researchers for this report studied nearly 8,000 people over age 50. They said one in every four women in that age group suffer from osteoporosis; one in every eight men do. One in every six women will have a hip fracture. That leads many researchers to recommend that women over 50 ask their doctors if they are candidates for osteoporosis. If they are, medicines are available that might help strengthen their bones if they begin treatments early enough. But experts do not agree on a related diagnosis called “osteo penia,” a bone density less than what’s considered normal but not low enough to be osteoporosis.

Some doctors recommend that women diagnosed with osteopenia take drugs like Fosamax, but numerous researchers say that is a bad idea. Such drugs can lead to gastrointestinal problems and other side effects, says Dr. Steven Cummings at the University of California. There is “little benefit, if any at all, if you take these drugs when you have osteopenia,” he said. Hundreds of Fosamax users are suing the drug’s manufacturer, Merck, saying it causes a disease that breaks down the jawbone. Researcher Dr. Nelson Watts at the University of Cincinnati agrees with Cummings and says too many women are being frightened unnecessarily by a diagnosis of osteopenia. One reason women should be suspicious of such a diagnosis is that the bone-density measuring devices used in doctors’ offices, drugstores and other places are provided by drug companies. Since 2003, the annual sales of osteoporosis drugs have nearly doubled to over $8 billion, say researchers. ■

The Senior Voice • October 2009 • 7

North Colorado Outlaw Jack Slade By Bill Lambdin

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n the early 1860s, desperado Jack Slade ran the Overland Stage line through northern Colorado and Laramie, Wyoming. His Virginia Dale stage station still stands north of Fort Collins near the Wyoming border. Many stories were told about Slade, some true, some exaggerated. Mark Twain, in “Roughing It,” described how Slade killed a man named Jules Beni. Twain was repeating the story as he heard it from others: “Slade’s men captured his enemy, Jules, whom they found in a hiding place in the remote fastness of the mountains,” wrote Twain. “They brought him to (Virginia Dale), bound hand and foot, and deposited him in the middle of the cattle yard with his back against a post. “It is said the pleasure that lit Slade’s face when he heard of it was something fearful to contemplate. “He examined his enemy to see that he was securely tied and then went to bed, content to wait until morning before enjoying the luxury of killing him... “In the morning, Slade practiced on him with his revolver, nipping the flesh here and there and occasionally clipping off a finger while Jules begged him to kill him outright and put him out of misery. “Finally Slade reloaded and, walking up close to his victim, made some characteristic remarks and then dispatched him. “The body lay there half a day, nobody venturing to touch it without orders, and then Slade detailed a party and assisted at the burial himself. “But first he cut off the dead man’s ears and put them in his vest pocket, where he carried them for some time with great satisfaction.” Mark Twain said that was not the first time Slade had cut the ears off of someone he killed: “In one Indian battle, he killed

Early sketch of Jack Slade. Colorado Historical Society. three savages with his own hand, and afterward cut their ears off and sent them, with his compliments, to the chief of the tribe.” No one knows how many men Slade killed. He was a shrewd and capable man when sober, but a madman when drunk. Twain described another incident involving Slade: “One day on the plains, Slade had an angry dispute with one of his wagon drivers, and both drew their revolvers. “The driver was the quicker and had his weapon cocked first. “Slade said it was a pity to waste life on so small a matter, and proposed that the pistols be thrown on the ground and the quarrel settled by a fist fight. “The unsuspecting driver agreed and threw down his pistol—whereupon Slade laughed at his simplicity and shot him dead.” Twain’s information about Slade came from people who may have exaggerated, and Twain didn’t let facts get in the way of a good story. But there is no doubt that such behavior eventually got Slade hanged. His reputation as northern Colorado’s most ruthless desperado still stands. ■

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8 • October 2009 • The Senior Voice

Medicare Part D Program

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he Medicare Part D drug program has been successful so far, says the Rand research group. It has enabled nearly 90 percent of Medicare participants to have drug coverage at reasonable costs. Many low-income retirees have been able to reduce their out-of-pocket costs for medicines by an average of 16 percent. When the program began in 2006, some analysts wondered how successful it would be since it was operated by private drug companies

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instead of the federal government. So far, said Rand researcher Geoffrey Joyce, the program “has been particularly successful in lowering costs for the poor and disabled.” The so-called “doughnut hole” remains a concern for some people. It requires Part D participants to pay for their own drugs if they reach a certain limit each year. Overall, participants are spending an average of $1,000 to $1,400 a year of their own money on medicines, said researchers. ■

The Benefits of Statins S

tatin medicines such as Crestor, Lipitor and Zocor can reduce the number of deaths and complications by 50 percent in patients having vascular surgery. So says a recent report in the New England Journal of Medicine. Researchers studied nearly 500 patients who had surgery for various blood vessel problems. Those who took a cholesterol-lowering statin before the surgery fared much better than those who did not. The main benefit of statins in the study came from their ability to help

prevent blood clots, said researchers. Statins also reduce inflammation and work as antioxidants. They have been widely used for years and are considered safe. About the only people who have problems with them are those with poor liver function, said researchers. In this study, heart artery blockage was cut in half by statins. So were other cardiovascular problems. The study confirms what many researchers have suspected for some time, said Dr. Bruce Perler at Johns Hopkins University. ■

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The Senior Voice • October 2009 • 9

Best Care for Heart Problems

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little physical exercise is much more effective for treating clogged arteries than angioplasty, said researchers at the European Society of Cardiology. One study showed that 90 percent of heart patients who rode a bicycle cured their cardiovascular problems within a year while only 70 percent of those who had angioplasty did so. Walking 30 minutes five days a week does the same. In fact, one-third of all heart

attacks and strokes in the United States could be prevented by walking briskly for a total of two and a half hours a week, said researchers. Such exercise boosts good cholesterol, lowers bad cholesterol and makes blood vessel walls much healthier. But getting people to exercise? That’s the hard part, said researchers. Most would rather sit on a couch and, if a problem occurs, have a quick fix like angioplasty, which requires only a day or less in the hospital. ■

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10 • October 2009 • The Senior Voice

Fort Laramie By Margaret Laybourn

M

r. G.O. Reid was born in 1872 and grew up near Fort Laramie, Wyoming. He witnessed many of the historical events associated with the fort, and his information was valuable when restoration of the place began in 1945. He knew, for instance, where two young Indian girls were buried at the fort: Falling Leaf, the daughter of Spotted Tail; and White Fawn, the daughter of Chief Red Cloud. Reid’s father was a coral boss at the fort, and Reid remembered that his father had driven the wagon carrying Russia’s Grand Duke Alexis on his famous buffalo hunt with Buffalo Bill Cody. Reid’s father also worked on the Pony Express and as a stagecoach driver. He was wounded by an arrow

during an Indian skirmish. Buffalo Bill, his wife and two children lived with Reid’s family for a while when Bill was on the Indian campaigns. Later, Reid’s family lived at a former Pony Express station near a creek until high water washed them out. They ran cattle there and supplied the fort with beef and milk. Reid’s father was working at the fort when General George Custer and his troops were killed at the Battle of the Little Big Horn in 1876. All kinds of rough characters came to the fort on paydays, and the cowboys would get drunk and get into fights with the soldiers. Reid said, “I remember on one occasion in 1881 when a tough bunch of cowboys got drunk. They got on their horses and started

Some of the Fort Laramie buildings today. Wyoming Tourism Office. galloping around the parade ground in front of the officers’ quarters. The officer of the day ran out and tried to stop them. They ran over him and commenced to shoot things up.

“The adjutant called out the guard, and the cowboys took to the road. The guards started shooting at them, raising dust behind the fleeing cowboys.” The frontier was a rough place. ■

The Senior Voice • October 2009 • 11

See Your Best...

Events and Exhibits Big Band Music The music of Glenn Miller, Tommy Dorsey, Benny Goodman and others presented at the Fort Collins Lincoln Center, October 13, call 970-2216735; Greeley Union Colony Civic Center, October 18, 970-356-5000; Cheyenne Civic Center, October 15, 307-637-6363; Casper Events Center, October 14, 800-442-2256. Free Identity Theft Seminars Presented by the Better Business Bureau and Consumer Credit Counseling Service: October 19, 6 pm at the St. Vrain Credit Union in Longmont, call to register 719-6427117. October 19, 6 pm at the Habitat for Humanity in Loveland, 494-3307. October 20, 1 pm at the Greeley Senior Center, 350-9440. October 20, 6:30 pm at the Fort Collins Senior Center, 4943307. October 22, 1 pm at Front Range College in Ft. Collins, 494-3307. Also October 24, 9 am to noon, at the Ranch event center near Loveland, Parking Lot A, shredding of documents and recycling of computers, monitors and cell phones. Please bring items for Weld and Larimer Food Banks. Call 484-1348.

Estate Planning Expo Greeley, October 17, 10 am to 3 pm, 2000 Clubhouse Drive (Union Colony Preparatory School), exhibits and speakers. Sponsored by High Plains Library District. Call 590-9881. Pioneer of the Year Award Nominations accepted until October 15 from throughout northern Colorado for people who have contributed to the area’s history or preservation of our heritage. Call Maxine Tamlin in Fort Collins, 970482-5819; or email Phyllis Stroh at [email protected]. Cheyenne Library Annual Booklovers’ Bash sponsored by the Laramie County Library Foundation, October 17, at Little America Resort, featuring author and illustrator Zachary Pullen. Call 307-773-7221 or email: [email protected].

Greeley Expo Vendors and entertainers at the Senior Connection Expo, November 5, 9 am to 2 pm, at the UNC Student Center Ballroom. Free admission and entertainment. Call 303-823-5363. ■

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12 • October 2009 • The Senior Voice

Young People and Strokes

N

early half of the Americans who have a stroke are under age 65, according to a report in the American Journal of Occupational Therapy. Most of their strokes are mild, and the people are sent home to deal with the effects on their own. But many should receive rehabilitation therapy; and they are not getting it, said researchers. “If you are young and have a mild stroke, chances are you will not receive rehabilitation services,” said Timothy J. Wolf at Washington

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University in St. Louis where the study was conducted. Of the nearly 8,000 young people involved in the study over 10 years, 52 percent said they had trouble concentrating after a mild stroke; 42 percent said they could not perform their jobs as well as before the stroke. Researchers suspect that an increasing number of young people are having strokes because more have high blood pressure, high cholesterol, diabetes and obesity. ■ I am now carrying Medicare prescription drug coverage from Humana®. Call me today to sign up or if you have questions about what’s right for you. MaryM. M Biggers, Biggers,Agent, AgentLUTCF Mary 1318 SS.College CollegeAvenue Avenue Fort Collins, Collins, CO CO80524-4174 80524-4174 Bus: 970-493-9336 970-493-9336 [email protected] [email protected]

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The Senior Voice • October 2009 • 13

38 years and we’re still

Ft. Collins Settler

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Ben Claymore

B

Collins) was built nearby to protect settlers from Indian attacks. The saloon created problems, and the officers prohibited the sale of liquor to the soldiers. In 1878 Claymore sold his land to the Union Pacific Railroad, and he and his family moved to the Pine Ridge Indian Reservation in South Dakota, where he died in 1917 at age 83. Today Claymore Lake is on private property, but years ago the public was allowed to fish and swim there. One story said during a cold winter a Model T Ford was driven onto the ice-covered lake, fell through, and was never recovered. Some people believe the car is still under the water in the middle of the lake. ■

en Claymore was one of the earliest settlers of the Fort Collins area in the 1860s. He was a fur trader who married an Indian woman he called Emily, and they had five children. Claymore Lake northwest of Fort Collins was named for him. In 1866 the area’s first school was built on the north shore of the lake. Claymore and John Provost owned 160 acres near what is now Overland Trail Road and Bingham Hill Road. The lake was originally just a buffalo wallow fed by springs. Later a reservoir was built there, providing a water system for irrigation. Claymore had a saloon in LaPorte. The military fort (Fort

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14 • October 2009 • The Senior Voice

Colorado Crosswords By Tony Donovan

William E. Condon Jr. Estate Planning • Conservatorships Wills • Elder Law Home and Hospital Appointments Available

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Governor’s Farm Apartments 701 6th Street • Windsor, CO • (970) 352-5860 ACROSS 1. 5. 9. 10. 12. 14. 15. 16. 17. 18. 20. 23. 25. 29. 31. 32. 34.

35. 36. 39. 40. 41. 43. 44. 46. 47. 49. 51. 53. 57. 58.

Future plowshares? ____ pack ____ lanes Eastern Colorado town whose name celebrates an engineer who built a bridge across the Mississippi Musical Count Fat Tire, for one Community between Greeley and Loveland named for businessman who platted the town site Farmer Giant great ____ Pan River Ice formation Apple spray Neck part ____ Hand Canyon near Boulder ____ Creek ski area Space station QB who followed Elway Yuma County locale whose high school basketball team won the state championship in 1929 and placed third in a national playoff in Chicago College football tournament org. Site of the first sugar beet factory in Colorado Doug of the Nuggets Horse most responsible for the expansion and settling of Colorado French cookery term which means “served with milk” Biblical transport, often This might be “Wanted?” Mark or draw using acid Not grounded in fact Charlie or Jackie of movies Sty talk Crack shot who traveled with Buffalo Bill’s Wild West Show Many hunters and ranchers belong to this org. Worth

ANSWERS

60. 62. 63. 64.

Hearing aid? Use Twitter Semi-precious gem or gal’s name Cheer, south of Texas, New Mexico or Arizona 65. Lumberjack’s tool 66. Gunnison County ghost town

DOWN 1. 2. 3. 4. 5. 6. 7. 8. 11. 12. 13. 15. 18. 19. 21. 22. 24. 26. 27. 28. 29. 30. 33. 37. 38. 39. 42. 45. 48 50. 52. 54. 55. 56. 58. 59. 61.

____ Na Na ____ Creek Pass Finished Spotted Reagan’s “Star Wars” program, briefly Belief Southern neighbor of #53 down Douglas County fishing and hunting community; damaged in the Hayman fire Pond organisms La Paz is its capital (abbr.) ____ Springs dominated by Mt. Werner Christopher Carson, more familiarly Raffle prize, often H.S. math class This town comes from the Spanish for “The Junction” Eagle County locale Outdoor meal Work units With Frederick and Dacono it completes the “tri-cities” Crude oil is sometimes referred to as Texas ____. Montrose County town near the Utah line Queue after “Q” Cut with a quick stroke Mike’s successor ____ de France Early roamer of Colorado “____ will be done...” Famed WWII B-29: The ____ Gay Root beer trade name Mamie’s guy, for short Singer Natalie’s dad Neighbor of #7 down Anti-discrimination agcy. created in 1964 River forming part of the border between Manchuria and North Korea ____ populi Imitate Markey, for one (abbr.)

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

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The Senior Voice • October 2009 • 15

Laughter Is the Best Medicine Magnificent Seven ®

“T

he TV schedule gave a choice of watching Congress or a hockey game. The latter had less fighting.” Gaylord Morrison. “Women who strive for equality with men lack ambition.” Professional golfer Patty Sheehan There is a new computer virus affecting people born before 1960. It causes you to do things like hit “send” when you should have hit “delete.” It’s called C-NILE virus. The state of the economy: If the bank returns your check marked “insufficient funds,” you have to ask if they mean you or them. Hot Wheels stock is trading higher than GM. Exxon-Mobile laid off 25 congressmen. A truckload of Americans was caught sneaking into Mexico. Congress investigated Bernard Madoff for making $50 billion

disappear—while Congress was making $9 trillion disappear. Two female softball teams, one of all blondes and the other of brunettes, chartered a double-decker bus to a tournament. The brunettes took the lower level and were having a great time, whooping it up as they traveled down the highway. One of the brunettes realized there was no noise from the blondes on the upper deck; so she went up to check. The blondes were griping their seats and staring straight ahead in fear, no one saying a word. The brunette said, “What’s wrong? We’re having a great time below.” “Yeah,” said a blonde, “but you have a driver!” A piece of string walked into a bar and ordered a drink. The bartender said, “Sorry, we don’t serve string.” The string went out, tied himself in a knot, ruffled his top, and went back in. The bartender said, “Aren’t you the string that was here before?” The string replied, “No, I’m a frayed knot.” Two women met in heaven, and one said, “Hello, I’m Wanda.” The other said, “I’m Jane. How did you die?” “I froze to death,” said Wanda. “Really, how horrible.” “It wasn’t so bad. After a while, you stop shivering, feel warm and peaceful, and you die without pain. How did you die?” “I had a heart attack,” said Jane. “I thought my husband was cheating; so I came home early one afternoon to catch him. He was alone in the den, but I figured a woman was hiding somewhere, and I ran all over the house looking for her. I never found her, and I became so exhausted I keeled over with a heart attack.” “Too bad you didn’t look in the freezer. We’d both be alive.”

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16 • October 2009 • The Senior Voice

T

his may be the best time to make your move.

Maybe you had plans to sell your house, move to a senior community and start getting more out of life. What now? Do you have to put your life on hold because of the economy? Not an easy decision. In times like these, it pays to know what your options are. Perhaps it’s time to give the Good Samaritan Society – Communities of Northern Colorado a call. We’ve helped seniors weather storms like this for more than 85 years. We’ll be happy to help you understand your options, at no cost or obligation. Getting good advice can make all the difference. For more information or to find a community near you, call 1-888-877-1058. Bonell (Greeley) | Estes Park | Ft. Collins | Fox Run (Greeley) | Loveland | Water Valley (Windsor)

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