the senior voice - july 2008

8/14/2019 The Senior Voice - July 2008

1/16

GhostTownIn NortherColorado

LongsPeakPioneer

Climbers

OutlawIn Early

Colorado

SkiingSteamboa

Springs

WildBill

HickokThe Man an

the Myth

NorthColoradFirst Pionee

Town

FrontieSchoolSnake in

the Classroo

CoverPicture:

Maroon BelMountainssee page 3

VOICEThe Senior

J u l y 20 08

Local Attractions Scenic Places History Money Health News


2/16

y 2008 The Senior Voice

About Healthca

There is little doubt in my mind thatAmericas health care system isbroken.

We are headed toward a crisis, andAmericans are finding it more andmore difficult to obtain affordablecare.

I was reminded of a comment thatsums up my view: The health of thisnation is a national concern; financialbarriers in the way of attaining healthshould be removed.

That statement was made byPresident Harry Truman in 1945. It isclear that the issue has been buildingfor years and has, in my opinion,

reached the breaking point.With an annual health care expen-

diture of over $2 trillion, we arespending more per capita than ourcounterparts throughout the world. Infact, the U.S. currently spends 50percent more per capita on health carethan other industrialized countries.

But what success do we seof this investment? Based

tics with which we havetoo familiar, the dollars arlating into readily-high-quality care.

Our high spending msuch a cause for concern that our citizens had accthat produced outstandingbut that is not the case. people in Colorado evercannot afford treatment fohealth care needs.

According to the DepHealth and Human Serv

40 million people (19 peU.S. population) did nneeded services in 20they could not pay for them

Where is the money go________________You can call Sen. Sala

Collins office at 224-2200

15 convenient locations for pick-up

Serving Fort Collins, Loveland,Greeley, Windsor and Longmont

Door-to-door service alsoavailable

(970) 663-35

www.hlchospic

Compassionate

for the whole fa

when and wh

it is needed the

ByU.S. SenatorKen Salazar


3/16

The Senior Voice

Published Locally Sin

VOL. 28, NO. 8

email thevoice@fri

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PUBLICATION INFORM

The Senior Voice newspapepublished locally the first of

since 1980 for residents age 50-

ADVERTISING

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For rates, call 970-229-

or see www.theseniorvoi

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Fort Collins

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(970) 229-920

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Copyright 2008

The Senior Voice

EDITORIAL OFFI

1471 Front Nine DFort Collins, CO

(970) 223-927email [email protected]

No material may be reprodu

means without permission of th

Dr. William Lambdin, P

ill Lambdin

oker, aces and eights are calleddead mans hand becauses what Wild Bill Hickok heldn he was shot to death atwood, South Dakota, in l876.local drunk shot him in the

while Hickok played cards in aon, according to somerchers. Hickok was 39 yearshe most famous lawman of hisThe drunk was 25.orn James Butler Hickok inon an Illinois farm, Wild Billme one of the Wests best

wn figures. Many stories havetold about him, some true butexaggerated.e shot several men but not asas people believed. He joined

alo Bill Codys Wild Westw, but only for a brief timeuse he did not like it.e was an impressive lookingconscious of his reputation andd shot with a pistol or rifle. Hesix feet tall, wide shouldered,golden-brown hair and a face

many women found attractive.e dressed more like a gamblera lawman, in a black frockwhite linen shirt and expensive

kin boots.ickok became accustomed to

nce as a young man. In l859orked as a wagon driver on thea Fe Trail and was nearlyd by a bear near Trinidad,rado.l86l some said he shot a stage

n operator over a woman theyboth courting. Hickok was not

wman then, and the shootingconsidered murder by somee, though Hickok claimed selfse.e worked as a frontier scout for

army, and in l865 he killedher man: David Tutt was shot

gh the heart at 75 yards with a. That incident earned Hickokutation as a deadly, accurateer and a man to be feared.

n l869 he became sheriff atne, Kansas, then one of the

hest cow towns in the West,e he shot several outlaws ordrunken cowboys. Recordsnot accurately kept on such

ers, and few frontiersmened them to be.lthough Hickok was a killer, henot a bully. Strangers who met

were surprised by how quietcourteous he was. Some of the

men he shot probably drew on him

first simply because of his reputa-tion.In one incident, he threw a

drunken man in jail for disorderlybehavior. Some of the mans drunkfriends found Hickok and tried tokill him.

One grabbed him from behind.Hickok managed to get one armfree, pulled his pistol, poked it overhis shoulder and shot the man. Thenhe shot another coming at him fromthe front.

Those were the kinds of peoplehe often dealt with as a lawman in

frontier towns, the same unsavorycharacters policemen deal withtoday.

By l87l he had grown tired ofthat life and joined Buffalo Billsshow on the East Coast. But Hickokdisliked show business and returnedto drift for a time in Colorado andWyoming.

He married at Cheyenne in l876,the year gold prospectors beganheading for the Black Hills in SouthDakota. Hickok joined them and,with a friend called Colorado

Charley Utter, staked some miningclaims near Deadwood.

It was in that town that a 25-

year-old bum named Jack McCallshot Hickok. The incident was like abad scene out of an old movie,according to some historians.

Some local men were afraidHickok would be elected sheriff ofDeadwood; so they got McCallliquored up and convinced him tokill Hickok.

No one paid any attention to thedrunk as he slowly worked his waybehind Hickoks chair at the pokergame. Suddenly a gun exploded, andHickoks body was thrown violentlyonto the card table.

The drunk backed out of thesaloon and staggered to his horse.The saddle belt was loose. As hetried to mount, the saddle turnedunder the horses belly and McCallfell to the ground. He stumbleddown the street, was caught andlater hanged.

Inside, the famous lawman layface down on the table, his hand stillclutching his cards: aces and eights.________________COVER PICTURE: The MaroonBells peaks near Aspen, taken by

Andy Cook. See his fine photos atwww.rockymtnrefl.com.

William Butler Hickok. Colorado Historical Society.

Wild Bill Hickok


4/16


5/16

The Senior Voice

ill Lambdin

n Ball of Estes Park recentlyeceived the Everyday Herord from Channel 7 Television.all is a retired Los Angeles

ceman who moved to Estesin 1984 with his wife, Jane.e then, he has been volun-ng for local schools andmunity groupssinging

boy songs and teaching art.ome years ago, he performedRoy Rogers son, Dusty, in

nson, Missouri. Ball hasten and recorded severalern songs, including a CDte to Roy Rogers.e is also an artist, paintingly Western scenes, and hasuced several limited editions and illustrated two books

t horses. He also produced anm of Hawaiian music.t age 13, Ball began working

wrangler on ranches inrado and Wyoming. He wasng music by age seven andtaining soon after that.

Music and art were no doubtficial during the 20 years he

worked the tough streets of LosAngeles as a policeman. He retiredin 1980 as a detective sergeant.

He and his wife, Jane, live just

outside of Estes Park on the LazyEasel Ranch. They have six chil-dren and 14 grandchildren, whomthey say are the treasures of ourlives.

For information on his music, artor performances, call 970-586-4557, or email [email protected].

Ron Ball of Estes Park

Seminar Schedu

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July 16th 6:00 p.m.

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October Beyond Boundaries/Global Oppor

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6/16


7/16

The Senior Voice

Question About Estate Planninon Rutz, Attorney

Correspondent

What is the attorney expected to

settling my estate?

: The answer depends entirelythe person you select as the

onal Representative. You may

one estate settlement scenario inbut the Personal Representativewant or need to pursue a

ent course of action.hat is why in Colorado a Testatoron making the Will) cannot in the

require the Personalesentative to use a certain lawyer.here are several times in the

settlement process where legalance either may be useful orsary.ollowing death, a lawyer caner questions about what needs to

ne right away. The funeral homeally contacts Social Security ands the death certificates.

a court proceeding provesssary, many Personalesentatives are capable ofitting the paperwork themselves.s may think they can but end upated or spending too much time.hus, the Testator (Will maker) to know what kind of person-the Personal Representative hasder to gauge the degree of

ney involvement.he Testator can perhaps influencestate involvement of the lawyerling the Personal Representative

exactly how much Attorney involve-ment the Testator expects. But thatdoes not always help.

For example, over the years theTestator, the Personal Representative,and I have met where Attorney feeswere mentioned. A number ofTestators have told the Personal

Representative in front of me to payAttorneys fees and not quibble aboutmoney, since the Testator was aware ofthe particular Personal Representativestendencies for extreme frugality.

Some heeded the advice. Othersblew if off. I, like most Attorneys, haveresigned (quit) when it proved impos-sible to work with the PersonalRepresentative selected by the Testator.

Attorneys normally do not do thefinal income tax returns or estate taxreturns. Thus, Testators should becertain that the Personal

Representative knows who is going tobe responsible enough to see that thetax matters are handled by someonewith accounting expertise.

After the estate is settled, theAttorney should take a second look atthe big picture, especially if there is asurviving spouse.

How smoothly the settlement goesdoes not rest with the Attorney but withthe Personal Representative. Hence,the Testator should think twice aboutselecting the Personal Representative.

The Testator and his Attorney maywork well together, but that may notbe true for the Attorney and thePersonal Representative. Thus, more

and more Testators are selectingPersonal Representatives who canwork with the desired Attorney.________________Attorney Ron Rutz will answerquestions sent to 2625 Redwing

Road, Suite 180, Fort 80526, phone [email protected].

Medicare WasteContinues

Medicare wastes millions ofdollars every year by paying toomuch for wheelchairs, walkers,oxygen concentrators, diabetic testkits and nearly every product it buysfor participants.

For instance, officials at theCongressional Budget Office (CBO)say Medicare pays $4,023 for a power

wheelchair that anyone can buy onlinefor $2,174. It pays $1,825 for ahospital bed that sells online for $754.

CBO officials estimate thatMedicare could save at least $1 billiona year if it required companies to bidfor such products. In fact, competitivebidding was supposed to happen thisyear, but lobbyists from manufacturersof wheelchairs and other products aretrying to get the law cancelled.

This makes some analysts wonderif any real healthcare reform ispossible in the United States. It alsohelps explain why Medicare partici-pants see high premium increasesevery year.

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8/16

y 2008 The Senior Voice

(Editors Note: Greeley historian

Hazel Johnson wrote thefollowing story years ago.)

By Hazel Johnson

Teaching school in the late 1800scould be hazardous to yourhealth.

Maud Clark was a teacher and thedaughter of Greeley pioneer J. MaxClark. Mauds own daughter,Dorothy Gardiner, told of a precar-ious situation her mother once faced:

When my mother was about 17,she got a job at $40 a monthteaching in a country school nearPlatteville40 pupils of all ages.

She had to do the janitorial work,build fires, sweep out the place anddeal with a large and rowdy family

named Clancy. She had to board withthe Clancys and sleep in the samebed with the oldest Clancy girl

It was a tough class, but Maudwas a girl with determination. Someof the Clancy boys in the class wereas old as she and larger.

One day they came to her andsaid theyd found a rattlesnake neston their farm and asked her if shedput one of the snakes in alcohol forthem if they brought it in.

She said she would. They

arrived with a large, apparently deadrattler dangling from a slip-noose at

the end of a stick.But the snake was

merely stunned; and all the class were involvconspiracy.

They wanted to see scream and jump on a the rattler revived.

Maud took the snstring around its neck andoutwardly dead, on hewent on with the class.

Soon she noticestudents straining to see thad crawled off the descrawling along the floor t

To the disappointmconspirators, Maud did n

She took a ruler, puof the heavy string towapicked the snake up with

as the slip-noose tighsnake went limp again.

By this time, it was joke to the class. The stuterrified.

Maud carried the snyard. When she camestudents let out a sigh oftold the Clancys to go kil

The class didnt stiwith their hands foldedesks, hardly daring to br

And after that, if sh

eyebrow at them, they obey.

Greeleys first school, Meeker, built in 1873.

Hazel Johnson Collection.

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9/16

The Senior Voice

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

3650 East 15th StreetLoveland, Colorado

669-1107

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

When a teacher/librarian is forced to give up she cant see the type, it is a sad day indeed.exactly what happened for new Loveland residentBonnell. A local optometrist referred Elaine to Drbecause cataracts were keeping her from enjoyingfullest.

From the very first visit, I knew that a small tsupportive atmosphere existed here at Kirk Eye Kirk put me at complete ease. His skill at remocataracts was excellent. And, his concern contin

got home he personally called to check on my following my surgery.

Elaine could not believe the difference cataract suShe could see detail. She had learned to live withoKirk gave me the most wonderful Christmas gifstarted a new book today and I intend to finishevery last word.

C a t a r a c t S u r g e r y

After moving from a smtown, I didnt think I wofind this type of personal

but Dr. Kirk pat complete ea

Elaine BonneLoveland

ROSSRemote locale in Jackson County SW ofGouldTerrell of the Broncos

Denver mayor from 1983 to 1991 and waslater appointed as U.S. Secretary ofCommerce then Secretary ofTransportationHalf a pair of sneakers?County in which youd find Wolf CreekPassSet of three closely related itemsSomeone you might come face to face withif you sail around Somalia (2 wds.)Blockbuster competitorWoodworking toolSpottedUnpolishedThere is nothing like a ___, SouthPacific songFormer CSU Ram and Denver Bronco,Bradley ___ PeltMaglie or MineoThe ___ War began June 25, 1950

She founded the Opportunity School in1916 and was posthumously inducted intothe

orado Womens Hall of Fame and namedDenvers most useful citizen.Weld County town west of Ft. LuptonCardinals, on the scoreboardSuffix for patriot or alcoholWeld County town east of WellingtonHawaii-born golf phenomBritish gentlewoman who authored ALadys Life in the Rocky MountainsType of committee___ Pass in the Never Summer RangeHigh school class for cut-ups?The ___ Street Bombers (early Rockiesnickname)Sad feelingsHeart patients exam, brieflyPatriarch of Rocky Mountain National

Park: ___ Mills.

58. County surrounded by Pueblo, Crowley,Kiowa, Mills, Bent and Las Animas coun-ties

59. School adjuncts, often

DOWN1. Bi ll or Tex2. Old hat, so to speak3. Auditorially challenged4. Confused5. Big screen venue in Denver6. Drink from a demitasse7. Social security for Colorado state workers8. Part of Q.E.D.9. ___ Meeker and his Union Colony found-

ed Greeley10. Sheltered side11. Scout Carson13. Its nothing!15. Former Bronco coach ___ Miller20. Mt. ___ is one of the Collegiate Peaks21. Field workers in the middle ages23. Grayish soft mineral used in powder form25. Washington County town between Brush

and Yuma26. Miss Piggys innocent question27. Largest ski area in North America28. Colony member29. Former name of Thailand30. Town where the North and South St.Vrain

Rivers meet32. Young newts34. ER workers35. Wildebeest36. Word before apparent39. ___ Peaks Wilderness Area41. #3 across was 3042. Palisade enterprise43. Singer/actor whose ax throwing on the

Johnny Carson Show brought down thehouse

44. ___ choy (Asian vegetable)45. Capable46. Ecce ___

47. Cheers south of the border48. Debate side49. Fluid-filled sac50. Northern Nevada town51. Car wash item53. Pontiac collectible

ANSWERS

Colorado

Crosswords

are created exclusivelyfor The Voice by Tony

Donovan, who lives in Loveland.

Colorado CrosswordsBy Tony Donovan


10/16

uly 2008 The Senior Voice

Historic Lake

Lindenmeier Lake in northeastFort Collins (east of LemayAvenue) was named for WilliamLindenmeier, a German immigrantand early settler.

He came here after the Civil Warin about 1869 and bought the farm-land and lake. At that time, the townhad 1,300 people

Lindenmeier was frugal andambitious. In winter, he chopped ice

from the lake, stored it in anicehouse and sold it to town resi-dents in the summer. He also soldproduce from his large garden at aroadside stand on College Avenue.

He owned a tavern and billiardhall named the Board of Trade.Later, his son William Jr., managedthe farm and in 1908 developed thelake as a place of entertainmentwith boats, swimming and fishing.

He stocked the lake with large

German carp that were fbut not good eating bewere full of bones. In wwas ice skating on the lak

The city street car comtrolley to the lake, Galloping Goose by earlOther people came by hoand automobile.

In 1912 over 3,000 pbrated Labor Day at t

band played for dancpavilion.

The resort was clospartly because of WoToday the old trolley isLindenmeier Farm hahouses surrounded by the________________Editors Note: The old

building Arlene wrote month is now used as

Mill Healing Center.

Women and Heart DiseMedical researchers have beensaying for years that heartdisease is a serious threat to women,but many women still ignore themessage or havent heard it,according to a report in theAmerican Heart Journal.

Or maybe doctors dont talkabout heart disease with women asmuch as they do with men.Whatever the reason, many woman

seem to think heart disease is amans illness and that women should

not worry about itresearchers.

But if they have a famof the disease, women shas concerned as men, beare just as likely to haattack.

Women seem to feelget-out-of-jail-free cacomes to heart diseresearcher Dr. Alexis

They seem to feel that disease. But its not.

ByArlene

Ahlbrandt

1525 Riverside, Suite-BFort Collins

Lindenmeier Lake in the early 1900s.

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11/16

The Senior Voice J

Cheyenne Frontier Dayseyenne Frontier Days will be helde last full week in July.

he two-hour parade includesntain men, cowboys and theen who went West with them,ed wagons, surrys and antique

all filled with colorfully cladngers, plus horses, marching

s, and even a U.S. Marshallslooking for bad guys.

fter the parade, crowds pour out to

the parking area where free shuttles runto Frontier Park every ten minutes. Therevisitors can watch free calf roping or takea complimentary tour behind the rodeochutes to see the stock.

The rodeo is basically the same as the

early cowboy contests with broncs andbulls throwing contestants into the dustand steers slipping from an iron grip.

Native Americans are in teepees inthe Indian Village on the rodeo grounds

where they demonstrate traditional skillsand dancers spin and swirl. Thismarvelous experience is also free.

A visit to a replica of old Cheyenne just east of the rodeo stands is worth-while as costumed folks from the past

stroll the streets telling historic tales.Downtown at night there are free

concerts in the Cheyenne depot squarewhere dancers of all ages do the two-stepor boogie to boot-stampingmusic. Theres a nightly melodrama at

the historic Atlas Theater a bOn Monday, Wednesda

there are free pancake bremusic and jokes by the String Quartet Plus OAmerican dancers, and doz

queens signing autographs.Every day the

Gunslingers put on a bang-ance just a block wdowntown square at noon.

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Red Feather Lakes Library

Regional art show through July 13;geology workshop, July 10; Alzheimerscaregiver tips, July 12; free computer

class, July 17; bookmaking class, July19. Ongoing services for computers; chil-drens programs and other events. CallSarah Myers, 881-2664.

Greeley Libraries

Programs on chess, movie discus-sions, book discussions, sewing, lunchesand entertainment. Call 506-8568.

Fort Collins, Music

Free live music conWednesday at 6:30 pm thr13 at CSUs Lory Student

lawn. Big bands, jazz, etc.

Historic Farm in Lovelan

The W.B. Osborn fmuseum recently opened 1st Street in Loveland. family settled there iLovelands first pioneers. Ftion, call 970-663-7348.

Local Events and Exhib

ByMargaretLaybourn

An early artists drawing of a Frontier Days rodeo.

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12/16


13/16

The Senior Voice J

ll Lambdin

nflicts of interest continue to beevealed among university profes-who secretly accept money fromcompanies for health research.recent Congressional investiga-

requested by Senator Charlesley (R-Iowa) revealed that some

e worlds leading psychiatrists atard University accepted severalon dollars from drug companiesdid not disclose many of theents.arvards Dr. Joseph Biedermanpted at least $1.6 million from

to 2007. His colleagues Dr.othy Wilens and Dr. Thomascer accepted similar amountsg the same period, according tovestigation.he three are considered worldrs in child psychiatry. Researchshed by them over the yearspted many psychiatrists to giveren powerful anti-psychotic. That resulted in huge sales ands for the drug makers.ome psychiatrists question theom of giving such drugs to chil-

especially those under age six,ntrol bipolar disorder (a moodem). But the Harvard psychia-

trists insisted such children should begiven antipsychotic drugs commonlyused to treat adult schizophrenia.

Several million children havereceived the drugs over the pastseveral years. It is commercial exper-imentation on children, said VeraSharav with the Alliance for HumanResearch Protection.

In the area of child psychiatry inparticular, we know much less thanwe should, and we desperately needresearch that is not influenced byindustry money, said Dr. E. FullerTorrey with the Stanley MedicalResearch Institute.

Most universities claim theymonitor professors research grants toavoid conflicts of interest, but Sen.Grassleys research and that of otherssuggests otherwise. Universities usuallyjust accept whatever professors report.

Biederman, for instance, toldHarvard officials he received nomoney from Johnson & Johnson in2001. But Sen. Grassleys investiga-tion found that he accepted over$58,000 that year from that drugmaker plus more from others.

Such conflicts of interest arecompletely unacceptable said JohnBurklow with the National Institutesof Health.

uestionable Medical Research

ew device that works like a tinyacuum cleaner sucks blood clotsthe arteries of heart attack victimsearly doubles the success rate ofplasty, according to a report in theEngland Journal of Medicine.lood clots have long been aem in such procedures becausecan break off during angioplasty,e through a vein and causeage elsewhere.ut surgeons can now insert a

small tube before the angioplasty isdone. The tube allows surgeons tosuck out much of the clot that couldotherwise cause trouble.

The suction procedure is calledthrombus aspiration. Surgeons using itsay it is a quick and fairly simpleprocedure.

It also increases the success ratefor patients who do not receive angio-plasty within the recommended 90minutes after a heart attack.

ew Heart Surgery Procedure

me congressmen want prescriptionug ads on TV to contain an FDAe number and Internet address somers can report any serious sides of drugs to the FDA.ep. Jan Schakowsky (D. Ill.) andRosa DeLauro (D.Conn.) havethe FDA to require pharmaceu-companies to include such

mation in each TV ad.

he legislators say a nationwidey by Consumers Union shows

that 16 percent of Americans haveexperienced an adverse side effectfrom a drug that was serious enoughfor them to see a doctor. ConsumersUnion said only 7 percent of thepeople surveyed knew that the FDAwas the place to report a side effect.

Rep. DeLauro also wants toprohibit TV advertising of new drugsuntil they have been on the market for

three yearsto give time for sideeffects to be revealed.

Side Effects of Medicine

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14/16

uly 2008 The Senior Voice

Berthoud Named for Railroad Maois Hall

e town of Berthoud near

oveland was named for one of

rados most respected pioneers.

Edward L. Berthoud was a

yor and civil engineer who laid

ailroad lines for the Coloradoral Railroad, which established

own of Loveland. He was also

of the first teachers at the

rado School of Mines in

en.

is most noted achievement

discovering a route through the

ntains west of Denver that

tually allowed railroads to

Salt Lake City and the West

t. That route, named Berthoud

in his honor, is still used

.e was born in 1828 in

zerland and came to America

his parents in 1830. He studied

neering at Union College in

York. When the Colorado gold

began, he and his wife traveled

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

its founders. There he met William

Loveland, founder of the Colorado

Central Railroad, and became the

railroads chief engineer.

Berthoud laid out the line from

Longmont north to Loveland, Fort

Collins and Cheyenne; also the line

from Golden to Greeley andJulesburg.

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

area in 1860 after trying

the gold fields.

Edward Berthoud s

trustee for 15 years at th

School of Mines after

first faculty in 1872.

scientific articles for

Mountain News and othtions for many years.

He died in 1908 at th

His contributions to Co

still remembered through

that carry his name.

Life Annuity Goodfor Retirement

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 sourcesSocial Security,

pension/ annuity, investments and

(hopefully) debt-free homeowner-

ship.Because life annuities deliver a

relatively high inco

percentage of dollars cconverting a portion of y

into a life annuity ca

reduce the amount of i

need from the saving

invest, allowing them t

later use and reducing

large early withdrawals

has shown the portfolio

to survive longer if a po

portfolio is committe

annuity.

At www.immediatean

you can get quotes for dif

of contracts. A $100,000

would provide a life incom

$650 a month for a m

month for a woman, a

month for a joint and surv

with a 100 percent ben

survivor. That last figu

month, is 6.6 percent of

investment, significantly

you can safely withdraw f

folio.

When you purchase tmake sure you understan

cations of its terms. Pens

that you use a joint an

optiona lifetime incom

and your spouseunless

signs off on a life only

While the survivor bene

ally reduced, it can be a

your long-term planning.

________________

Scott Burns is a longtim

writer for the Dallas Mo

and other papers. You cantions to scott@scottburns

The town of Berthoud wasnamed for Edward Berthoud.

Colorado Historical Society.

Call Sandra today for moreiuformation and a tour

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15/16

The Senior Voice J

aughter Is the Best Medicinerandfather took his 7-year-oldranddaughter for a car rideSunday morning.

ne day he had a cold; so histook the girl for a ride. Whengot home, he asked the little girlhad a good time.

Yes, she said, and we didntsingle s.o.b. or damn jerk the

e time.

woman was remodeling heroom and needed a small night

by her bed; so she put a want-the newspaper:

Wanted. One night stand.he got some strange phone calls.

woman unloaded her cart at theery store cash register anded a drunk man in line behind

s she waited for the items to beup, the drunk said to her, Yoube single.

he was surprised and wonderedhe knew she was, indeed,e. She thought maybe he

sed it from her grocery items.

But they were milk, eggs and nothingindicating she was single.

She finally turned to him andsaid, How did you know Imsingle?

He replied, Because youreugly.

An eagle was sitting in a treewhen a rabbit on the ground lookedup and said, Id like to be like you,Mr. Eagle.

What do you mean? asked theeagle.

Just sit and do nothing.Well, why dont you?So the rabbit did. But a fox came

along, jumped on the rabbit and atehim.

Moral: You must be high up to sitand do nothing.

Definition of an Irishman: Hehasnt kissed his wife in 20 years, buthe will kill any man who does.

Murphy told his friend, My wifeis driving me to drink!

His friend said, Youre lucky.Mine makes me walk.

Mike told his buddy, My motherwanted me to become a priest, but Ididnt. Can you imagine giving upyour sex life, then every weeklistening to people describe theirs indetail?

Clifford Roberts was considered

the man who years ago did the mostto make the Masters golf tournamentsuccessful.

He seldom took no for an answer.One year he wanted to move thetournament date to a week earlier inApril but was told the players wouldbe finishing on Easter Sunday.

Roberts said, Well, find outwhos in charge of Easter and getthem to move it.

Female golfing terms: Good lie: Weight on the driverslicense. Slice: No thanks...just a sliver. Tees: Putting on that VictoriasSecret negligee. Water hazard: Giving the kids toomuch to drink before a road trip. Wedge: Bathing suits too tight.

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The Senior Voice J

Convenient Fort Collins Location

Homes From the Low to Mid $100s

Wide-open Spacious Floor Plan

Exceptional Kitchens

Walk-in Closets

Large Outdoor Patios Beautiful Covered

Front Porch

Two Car AttachedGarage

Landscaped Front Yards

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Clubhouse WithActivities/Group

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the senior voice - july 2008

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