VOICEPublished Locally Since 1980 March 2012

The Senior

When Buffalo Roamed Here

She Rode with Butch Cassidy

When Buffalo Roamed HereWhen Buffalo Roamed Here

She Rode with Butch CassidyShe Rode with Butch Cassidy

2 • March 2012 • The Senior Voice

I oppose HB-1046 because it re-quires drug testing as a condi-

tion of eligibility for the Colorado Works (TANF) Program, which helps parents get temporary finan-cial assistance while working to-wards greater economic security. It may sound good, but this bill is impractical, immoral and illegal. Regrettably, it passed out of committee and was referred to the Appropriations Committee because of a $220,000 tax payer cost. The bill is impractical because parents who apply for TANF have limited resources to pay for the drug test, thus creating another barrier to success. If they test pos-itive, they are excluded from re-applying for a year, or six months if they go through a drug treat-ment program. If they test negative, the coun-ties reimburse the cost, adding costs and administrative burdens.

Currently TANF participants de-velop an Individual Responsibili-ty Plan, and if they are assessed to have a substance abuse problem they are helped. The bill is immoral because it implies that all people apply-ing for public services to better their lives are drug users and not deserving assistance. Such an ap-proach is not respectful and digni-fied. Passing judgment and send-ing them away is wrong. The bill is illegal because simi-lar laws have been determined unconstitutional because they violate people’s Fourth Amend-ment Constitutional rights. In Colorado, we would likely see a lawsuit, and this is not the best use of tax payer dollars. ________________Call Colorado Representative John Kefalas at 221.1135 in Ft. Collins. Email jkefalashd52@frii.com.

By John Kefalas, Colorado State Representativestate legislature

Scott Tally 3003 E. Harmony Rd. Ste. 110Fort Collins, CO 80528

P. 970.988.9204scott@legacy�nancialgroup.us.comwww.legacy�nancialgroup.us.com

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Q: One of our children needs money to buy a house.

Any ideas on how to set this up?

A: An outright gift of $13,000 ($26,000 for a

couple) can be made. Both of you can give a total $52,000 to a child and the child’s spouse each year. Any gifts above those amounts can also be given tax free if the excess is subtracted from the giver’s $1 million exemption. It can also be a loan by having the child sign a promissory note. The federal imputed interest rate would need to be charged with the interest declared as income by you. The note should be secured by the house. If you wish all of your children to receive the same inheritance, then transfers for the same amount to each child would need to occur. Alternatively, your Will can be

amended with the benefited child receiving a lesser amount. Or if a promissory note was used, that child could receive it back as part of his or her share of the inheri-tance without adjusting your Will. I would strongly suggest fill-ing out an actual promissory note form, preferably one with a schedule showing payments or fu-ture gifts. Thus it is clear: loan vs. a gift; interest rate or none; what the amount is; etc. If a demand note (no payment installments are provided) is used, the note will need to be reaffirmed every four years for it to be en-forceable.________________Attorney Ron Rutz will answer questions sent to 2625 Redwing Road, Suite 180, Ft. Collins, CO 80526; phone 223.8388; email rutz@ronaldrutz.com.

Estate PlanningBy Ron Rutz, Attorney

3 • March 2012 • The Senior Voice

When Buffalo Roamed(Editor’s Note: In the 1800s, jour-nalist George Grinnell wrote about

the great buffalo herds that once thundered across northern Colorado

and Wyoming.)

By George Grinnell

The long beards of the bulls sweep the ground. The shuf-

fling tread of many hoofs marks their passing, and above each long line rises a cloud of dust that sometimes obscures the westering sun. I saw a closely massed herd of buffalo so vast that I dare not haz-ard a guess as to its numbers. And in later years, I have traveled for weeks at a time...without ever be-ing out of sight of buffalo. The buffalo was a timid crea-ture, but brought to bay would fight with ferocity. There were few sights more terrifying to the novice than the spectacle of an old bull at bay. His mighty bulk becomes a quivering mass of active, enraged muscle...the eyes half hidden be-neath the shaggy frontlet, yet gleaming with rage. My old friend Charles Reyn-olds...told me of the death of a hunting partner of his, which shows how dangerous even a dy-ing buffalo may be. On finding a bunch of buffalo, they killed what was required, and then on foot went up to the ani-mals to butcher them. One cow, lying on her side, was still mov-ing...The man approached her as if about to cut her throat. But when he was within a few feet of the head, she sprang to her feet, rushed at him, struck him in the chest with her horns, and then fell dead. Charley ran up to his partner and to his horror saw that the horns had ripped him up from the belly to the throat... Charley bur-ied his partner there. The most exciting hunts in

which I took part were those with the Indians... They were conducted almost noiselessly, and no ring of rifle shots broke the stillness of the air...The consummate grace and skill of the Indians, and the speed and quickness of their splendid ponies, were well displayed. Sometimes such a hunt was sig-nalized by some feat of daring...as when the Cheyenne Big Ribs rode his horse close to the side of

a huge bull and, springing on its back, rode the beast for some dis-tance, and then with his knife gave it its death stroke...

The grizzly bear fed to some extent on the carcasses of buffalo drowned in the rivers...and occa-sionally they caught living buffalo and killed them.

A Blackfoot Indian told me of an attempt of this kind that he wit-nessed.

He was hidden by a buffalo trail...waiting for a small bunch to come down to water. The buffalo came in single file, the leading animal being a young heifer.

When they were passing un-der a vertical wall, a grizzly bear reached down and, with both paws, caught the heifer about the

neck and threw himself on her. The others ran off, and a short struggle ensued, the bear trying to kill the heifer, and she to escape. Almost at once, however, the Indian saw a splendid bull come rushing down and charge the bear. They battled fiercely. The bull would charge the bear, and when he struck him fairly would knock him off his feet, inflicting severe wounds with his sharp horns. The bear struck at the bull and tried to catch him by the head or shoulders and hold him, but he could not. After minutes of fierce fight-ing, the bear had received all the punishment he cared for and tried to escape. But the bull would not let him go, and kept up the attack until he had killed his adversary. Even after the bear was dead, the bull would gore the carcass... He seemed insane with rage and...appeared to be looking about for something else to fight. The Indian was afraid, lest the bull should discover and kill him, and was greatly relieved when the bull finally left the bear and went off to join the herd... As soon as railroads penetrated the buffalo country, a market was opened for their hides. Thousands of hunters followed millions of buffalo and destroyed them...It took less than six years to destroy all the buffalo in Kansas, Nebraska, Indian Territory and northern Texas... On the great plains is still found the buffalo skull half buried in the soil and crumbling to decay...These most enduring relics of a vanished race shall have passed away (from) all the limitless do-main once darkened by their herds.________________COVER PICTURE: Buffalo taken by Ryan Hagerty with the U.S. De-partment of Fish and Wildlife. ■

Published Locally Since 1980Vol. 32, No. 4

PUBLICATION INFORMATIONThe Senior Voice has been published the first of each month since 1980 for residents age 50+ in Fort Collins, Greeley, Loveland and nearby towns.

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A buffalo in northeastern Colorado. The Voice photo by

Bill Lambdin.

4 • March 2012 • The Senior Voice

By Peggy Hunt If you drive or hike around the upper Poudre Canyon and Never Summer mountain range west of Fort Collins, you will probably see places that prompt you to ask, “Why did they call it that?” Lake Agnes. Located near Cameron Pass. It was named for Agnes Zimmerman, whose family

homesteaded on the upper Poudre River in the late 1800s. She and her family often fished this lake. Medicine Bow Mountains. The range beginning at Poudre Canyon and running north into Wyoming. A legend said ancient Indians gathered in these moun-tains to invoke the blessings of the gods—i.e., make medicine.

The legend also said they found good wood for bows here. Hence, Medicine Bow. Nokhu Crags. You see them best from Cameron Pass. They’re also called Sawtooth Mountain. The Arapaho Indians’ name for this jagged peak meant “where eagles nest.” Shipler Mountain. Southeast of the Nokhu Crags near the head-waters of the Colorado River. Named for Joseph Shipler, who in 1876 built the first cabin on the river here. Some mountain climb-ers stayed at Shipler’s cabin and recalled that he had a sign above his door that said: “Everybody welcome here except a low-down cur of a thief who belongs in the penitentiary, and I have his name and will get him.” Squeak Creek. Just south of Shipler Mountain on the Colo-

rado River. Named for a color-ful character called Squeaky Bob Wheeler (for his high, squeaky voice). He came to the area in 1885 and later operated a primi-tive resort that was popular with hunters and fishermen. His guests enjoyed his wild stories. Some said few people could match his skills for cooking wild game—and inventing profanity. Thunder Pass. Just east of Michigan Lakes where a hiking trail now crosses the continen-tal divide and drops down to the Colorado River headwaters. In the 1800s, pioneers drove wagons and stagecoaches up Poudre Can-yon and over this pass to reach the mining town of Lulu City in the Colorado River valley. If you stand on the pass today, you won-

der how anyone got a stagecoach across this high, rugged country.

Zimmerman Lake. Named for John Zimmerman, who home-steaded nearby. This was the same

Zimmerman whose daughter, Ag-nes, gave us the name for Lake Agnes.

These places are along the northwestern edge of Rocky Mountain National Park. The idea for the Park came from Herbert Wheeler, the first superintendent of the national forests in this area.

Wheeler lived in Estes Park where local businesses were try-ing to promote tourism. In 1903, Wheeler told them, “If you want to draw tourists, you should es-tablish a game refuge where tour-ists can see the wildlife.”

The idea caught on, and Es-tes Park residents convinced the government to establish Rocky Mountain National Park. ■

You wonder how anyone got a stagecoach across

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Investment Centers of America, Inc. (ICA), member FINRA/SIPC and a Registered Investment Advisor, is not affiliated with Home State Bank. Securities, advisory services and insurance products offered through ICA and affiliated insurance agencies are *not insured by the FDIC or any other Federal Government agency *not a deposit or other obligation of, or guaranteed by any bank or their affiliates *subject to risks including the possible loss of principal amount invested.ICA does not provide tax or legal advice.

Places in Our Mountains

Mount Richthofen. The Voice photo by Bill Lambdin.

5 • March 2012 • The Senior Voice

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Heart Attack Chest pain is not always a symptom, especially among wom-en, said a report in the Journal of the American Medical Associa-tion. This causes some doctors to mis-diagnosis women’s heart at-tacks. Women’s symptoms are more likely to be weakness, dizzi-ness, and cold sweats.

Breast Cancer Surgeries Some lumpectomies are done a second time unnecessarily; and some that should be done again are not, said a report in the Jour-nal of the American Medical As-sociation. That’s because experts cannot agree on the guidelines for such surgery. They should get together and “make a consensus statement that could help to guide their membership,” said Dr. Mon-ica Morrow at the Sloan-Kettering Cancer Center in New York.

Genetically Engineered Salmon It is the first genetically altered animal the FDA is considering for approval for human consumption. But Consumers Union and other groups want additional testing be-cause, they say, the altered salmon may contain a hormone linked to breast, colon and prostate cancer. AquaBounty produces it and says using a gene from another fish makes the Atlantic salmon grow twice as fast as normal.Prostate Cancer Treatments Radioactive “seeds” (brachy-therapy) may damage the DNA of men’s sperm and leave men in-fertile, said a report in the Journal of Urology. Elsewhere Cleveland Clinic researchers said another treatment, external beam radia-tion, is much more expensive than other treatments and causes more toxic side effects. The third com-mon treatment is surgical removal

of the prostate, which might cause impotence; but if the nerves on both sides of the prostate are left intact, impotence is much less likely, said researchers at Weill Cornell Medical College. Tanning Salons More than 90% told potential customers that salons do not pose any health risks, according to an investigation by the U.S. House Energy and Commerce Commit-tee. Several studies have proven they cause skin cancer. Investiga-tors posed as 16-year-old girls in phone calls.C-Section Births They pose several risks, includ-ing respiratory problems for small premature babies, according to re-searchers at Johns Hopkins School of Medicine. Medical experts are worried that C-Sections now account for nearly one-third of births, many of which are done for

convenience instead of necessity.Fibroids Treatment The contraceptive Ella (ulip-ristal) helps shrink fibroids and relieve the bleeding many women experience from them, said two re-ports in the New England Journal of Medicine. Hearing Loss It might be associated with poor cognitive function and the risk of dementia, said a report in the Ar-chives of Internal Medicine. Mil-lions of people could benefit from using hearing aids and should get them, said researchers. People should not accept the idea that wearing hearing aids is somehow unacceptable. ■

Family Health Guide

6 • March 2012 • The Senior Voice

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By Peggy Hunt From stories of Butch Cas-sidy and the Sundance Kid, most people know about Etta Place, the woman who lived with Sundance. But few know about Laura Bullion, a woman who accom-panied the Wild Bunch on sev-

eral robberies and lived with gang member Ben Kilpatrick. Laura was born in 1876, prob-ably in Texas; and her life was

hardly admirable. She might have been a prostitute in a San Antonio brothel the Wild Bunch frequent-ed. One lawman during her arrest described Laura as “cool...shows absolutely no fear.” Lawmen said she helped the gang sell stolen

goods and made connections for fresh horses, supplies and other things. In 1901 she was sentenced to

five years in prison for a train rob-bery; her boyfriend Kilpatrick got 20 years. She never saw him after that. He was released in 1911 and was killed while robbing another train a year later. Laura was released after three years and ended up in Memphis, Tennessee, where she worked as a seamstress until she died in 1961 at age 85. Her grave marker shows her name and one of her aliases: Freda Bullion Lincoln. It also contains the nickname giv-en her by the Wild Bunch: “The Thorny Rose.” She was the last surviving member of that gang, except per-haps for Sundance’s girlfriend Etta Place. Many researchers

have tried to trace Etta’s life af-ter she left Sundance and returned to the U.S. from South America, but none have succeeded. She re-mains a mystery. ■

The Wild Bunch called her

“The Thorny Rose.”

She Rode with Butch Cassidy

Laura Bullion. Voice file photo.

7 • March 2012 • The Senior Voice

Colorado CrosswordsBy Tony Donovan

ACROSS1. Ostrich relatives of South America5. Non-conventional artist or writer; a gypsy 11. What a judge does to a case12. Airport info, briefly13. Training offered to some in the military (abbr.)14. One of the Marx Brothers spelled backward or a celebrated talk show host and actress15. Fresh water and one cup of Iams, e.g.17. Something made in the morning, usually19. Thumbs up!21. Letters on a bottle of sunscreen lotion24. Playful weasel-like aquatic mammals25. County home to Bent’s Fort27. Jong who authored “Fun of Flying”29. Queue after “Q”30. McGregor who was president of the Colo- rado Rockies before his death in 201031. Town at the junction of Hwy. 14 and Inter- state 7633. Mountain lion36. Lodging for the President when traveling?37. Creek massacre site in southeast Colorado40. Sale ad abbr. often42. “There room in the inn!”43. The demotion was to his ego.44. “Knowledge can be communicated but not .” -Herman Hesse46. Explosive letters47. Kahn (head of Muslims in India)48. Capital city of Kenya51. Words on a bucket or bag in a stable53. Nostalgia—wishing for the days .56. There are four of these in a game of

Monopoly (abbr.)57. Alphabet trio58. Winning parts of horses?59. What a flatterer. He really .60. What bakers do to bread dough

DOWN1. Dem’s counterpart2. Park County locale’ near Spinney Mtn. and Antero Reservoirs3. Jhoulys Chacin needs a low one to help the Rockies (abbr.)4. American tennis great who won at Wimble- don in 1975 before his death in ‘935. Arthur who starred in “The Golden Girls”6. Graham or Preminger7. Description of a real dunderhead8. One quality of a good cake9. Titanic nemesis10. Fall bloomers11. Phillips County town near the Nebraska line16. Hold back for a while18. Gain one hour with this (abbr.)20. Hot time in Paris22. Flower girl basket’s contents23. This Colorado county honors a Western adventurer and mapmaker26. Puerto .28. Type of decal31. Springs32. Agcy. which investigates air crashes34. Town on the South Platte just south of # 31 across35. Town on I-70 between Avon and Eagle36. Department in Macy’s or Nordstrom’s38. Town near the Great Sand Dunes39. Egg ending40. “ up to it!” (confess)41. Former secessionist state in Nigeria and the scene of much starvation and suffering45. Wedding or party follower49. “ the valley of Weath rode the six hundred.” -Tennyson50. Colorado skiing champion: Lindsey .52. Alphabet trio54. “Halt! Who goes? Friend or ?”55. 50’s TV drama: “I Three Lives”

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AD

ANSWERS

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

516 S. College Ave. • Ft. Collins, CO 80524970-484-5566 • 800-525-5306

Email: rmtk@frii.comwww.rkymtntravelking.us

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8 • March 2012 • The Senior Voice

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(Editor’s Note: Greeley historian Hazel Johnson wrote the follow-

ing story years ago.) John Empson opened his first cannery in Longmont in 1887. He had operated a thriving candy store in Cincinnati, but in 1883 poor health brought him to Colorado. In Longmont, he joined a then-popular clamor against cooking jelly in copper kettles. He melted 4,000 silver dollars and made

them into a large kettle. The kettle brought him an enormous amount

of publicity, and Empson sold lots of jelly. Fort Lupton, south of Greeley, wanted Empson to come there; so in 1898 he bought out their small cannery. He also acquired two farms and planted 150 acres of peas. By 1907 Empson launched an-other expansion, adding canneries at a number of towns in northern Colorado. With his ability to drive a hard

bargain, he held off establishing a plant in Greeley until the city agreed to remit all taxes for at

least ten years, donate the land for a plant and raise a cash subscrip-tion. By 1920, Empson had dis-posed of many canneries and took a trip around the world. He died in 1926, but his reputation lived on as the man who made a jelly

kettle out of silver dollars. Many people remember the Kunner-Empson name associ-ated with canned vegetables. The Empson company merged with Max Kuner in 1927 and contin-ued to produce canned goods in Fort Lupton. ■

He had 4,000 silver dollars melted down and made into an

enormous kettle for making jelly.

Jelly King in Greeley

The Empson plant in Greeley. Hazel E. Johnson Collection.

9 • March 2012 • The Senior Voice

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Go West, young man, was the mantra that filled the brain of C. O. Dowling, who had just received a teaching certificate from Syracuse University in New York. It was 1910 and the ambitious young man was looking to find his fame and fortune in Wyoming. While working as a traveling sales-man, he met a man who told him of the acres of golden grassland to be given away by the government to homesteaders. Working his way to Wyoming, young C.O. harvested for a month in North Dakota and found farm-ing the hardest work he had ever done. In Cheyenne, homesteaders were arriving in droves. As C.O. Walked the streets, a man asked if he was looking for a homestead and said for $150 he would pay ex-penses to a marvelous acreage. C.O. said he didn’t have that much money to risk, whereupon the man laughed and said, “Pay me $25, and I will help you lo-cate your land.” They took a train

north to Chugwater where a man had been hired to take land seekers onto the open prairie. They went through the endless grass to the end of a long valley. The locating man said, “Dowling, your land is at the end of the val-ley—the best piece of all.” He bought a horse and saddle, built a 10 by 10-foot shack and fenced in 10 acres to keep cattle from knocking down his house. He then traveled to the University at Laramie and tested for a teaching certificate and returned to Chug-water where he was hired. The schoolhouse was made of sod. C. O. was paid $50 a month for his first year of teaching. His dream of finding a fortune in the West did not materialize, but he led a rewarding life in the community and married a beauti-ful woman. He devoted his life to upgrading the schools of Goshen Hole, raising a family and leav-ing a lifetime of notes detailing the hardships and successes of life during the homestead era. ■

HOMESTEADEREarly ranch near Chugwater.

by Margaret Laybourn

10 • March 2012 • The Senior Voice

Estes Park 586-3101

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Loveland667-1121

Greeley352-3366

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FORT COLLINSLocal science writer Gary Raham will be at Old Firehouse Books, March 10 at 1 pm. Call 484.7898.Wine Tasting Benefit for Dis-abled Resources, March 23. Call 482.2700.Lincoln Center: Fort Collins Sym-phony, March 17-18. High Perfor-mance Dance Theatre, March 23-24. Foothills Pops Band, March 25. Larimer Chorale, March 25. Male a cappella Straight No Chaser, March 29-31. Bella Fleck music, April 4. Calder Quartet, April 5. Call 221.6730.CSU Music: University Cho-rus and Women’s Chorus, March 6. Virtuoso Series Concert, April 2. Jazz Combos Concert, April 4. Call 491.5529.GREELEY

The popular Silver Sneakers Fit-ness Program is now available at the Greeley Recreation Center. It includes free classes and facili-ties use for those who qualify. Call 350-9440.The Gluten Free Support Group meets March 27 at Coyote Grill. Call 356.3050.Civic Center: UNC Wind Ensem-ble, March 8. Gala of Wines Ben-efit, March 16. Stampede Troupe play begins March 16. UNC Vocal Jazz, March 27. UNC Symphony Orchestra, March 28. UNC Faculty Recital, April 9. Greeley Chorale, April 15.UNC Theatre: A Celebration of Dance, April 5-7. A Little Night Music, April 6-7. “Richard III,”

Langworthy Theatre, April 25-28. Call 351.2515.UNC Music: Jazz Combo Night, March 19-20. Bach Concert, March 24. Vocal Jazz, March 27. Jazz in the Lounge, April 2. Call 351.2515. UNC Jazz Festi-val, April 19-21. Call 356.5000.LOVELAND

Oil painting classes begin March 13 at Chilson Center. Call 962.2383.Rialto Theatre: Stars on the Bridge, March 4. Museum Gallery 75th Anniversary Celebration, March 9. “An Evening with Willa Cather,” March 16. Dance into Spring, March 25. Call 962.2120.A Night on the Town, March 9. “Godspell” begins March 3. Dance classes begin March 15. Disney on Ice begins March 22. Trans-Siberi-an Orchestra, March 26. Bill Chris-til, March 31. Quilt Show begins April 1. Call 980.4564.ESTES PARK

Melodrama based on Estes Park history, March 9-11, call 586.404. Music Festival Concert, March 4. Call 586.9519. Craft Fair, March 10. Call 586.7673. Jazz piano con-cert by Joel Linscheld, March 11, call 586.9519. David Korevaar Concert, March 18, call 586.9519. Art exhibit, through May 6, call 586.5882. “The Miracle Work-er, play about Helen Keller, call 586.3450.CHEYENNE CIVIC CENTER

Doc Severinsen and the Tonight Show Band, March 2. “Blast” mu-sic and dance, March 9. Call 307-637-6364. ■

Book About the Frontier By Peggy Hunt

If you like history of the American West, you might enjoy a recent book, “Faces of the Frontier.” It contains photographs and brief biog-raphies of over 120 Americans who lived in the 1800s and early 1900s. The book includes well known people like Buffalo Bill Cody, An-nie Oakley, Calamity Jane, and Butch Cassidy. Also people like Laura Bullion, who rode with Cassidy—plus Indian chiefs, writers, explorers and other colorful people. The book was produced by Frank H. Goodyear, Associate Curator of Photography at the Smithsonian Institution. The photos are from that institution’s collections; so they are excellent quality. The 182-page large hardcover book ($38 from Amazon) is pub-lished by the University of Oklahoma Press. ■

Selected Events

11 • March 2012 • The Senior Voice

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Social Security

By Kevin Dunnigan, Financial Writer

How does a legacy plan differ from an estate plan? An estate plan determines a destiny for your assets. A legacy plan does that and more: it communicates your guidance, wishes and helpful information as well as financial directions. A legacy plan selects a steward, showing that person how assets are to be managed. You can share knowledge only the owner and founder has, you can establish who will own the business after you, who will manage it, and who will benefit financially from it. A legacy plan also protects your business and estate from “preda-tors and creditors”– taking steps to insulate the business (andyour heirs) against lawsuits, debts outstanding, and intrusions of relatives or past associates. Conventional estate plans often do not communicate the personal and practical details that can aid heirs in the case of an unexpected loss. Many estate plans aren’t designed to hand down the experiential wealth and wisdom that should accompany the assets. A legacy plan conveys knowledge that may make things smoother for your heirs and your company at a time of grief and crisis. It imparts wis-dom that your successor may use to guide inherited assets in the future, so that these assets might endure for more than a generation. ________________Kevin Dunnigan, MBA, is a certified financial planner with Investment Centers of America located in Home State Bank, 300 E. 29th Street in Loveland. Phone 622-2366. Email Kevin.Dunnigan@investmentcenters.com. See his website at www.investmentcenters.com. ■

Estate or Legacy?

By Lauren Eitel Greeley Social Security Office

If you receive monthly So-cial Security or SSI payments, you received a 3.6 percent cost-of-living adjustment beginning with your payment for the month of January 2012. Also you may now earn more income without offsetting your retirement benefits because the “earnings test” numbers also have gone up. If you have reached your full retirement age (age 66 for anyone born between 1943 and 1954), the earnings test does not apply and you may earn as much money as you can without any effect on your benefits. If you are younger than full retirement age, collecting ben-efits and still working, we do off-set some of your benefit amount after a certain earnings limit is met. For people under full retire-ment age in 2012, the annual ex-empt amount is $14,640, and if

you do reach that limit, we with-hold $1 for every $2 above that limit from your monthly benefit amount. For people who retired early, continue working and will ob-tain full retirement age in 2012, the annual exempt amount is $38,880 and we will withhold $1 for every $3 you earn over the limit from your monthly ben-efits. You can learn more about the earnings test and how benefits may be reduced by visiting our website, www.socialsecurity.gov, and searching on the topic “earnings test.” Find out what your full retirement age is at our Retirement Age page, www.socialsecurity.gov/pubs/agein-crease.htm.________________Lauren Eitel is the Assistant District Manager of the Gree-ley Social Security Office. Call 877.347.4595. ■

12 • March 2012 • The Senior Voice

By Lois Hall

“The Wizard of Oz,” released in 1939, was one of Hol-lywood’s finest movies, capturing the imagination of children for generations, making actress Judy Garland famous and introducing one of America’s most popular songs, “Over the Rainbow.” But when first released, the movie received unfavorable re-views and made no money for MGM Studios. Time magazine criticized it with, “When it de-scends to earth, it collapses like a scarecrow in a cloudburst.” It took 20 years for the movie to earn back its costs, which it final-ly did through television re-runs. Writers who worked on the “Oz” script included humor poet Ogden Nash, who elsewhere

wrote the rhyme: “Candy is dan-dy, but liquor is quicker.” The producers considered several actresses for the part of Dorothy, including Shirley Tem-ple, who was unavailable; and Deanna Durbin, who refused the part. They finally selected a rela-tively unknown contract player, 16-year-old Judy Garland. They put Garland on a diet and capped her teeth. But nothing had to be done to her powerful voice. She had a sensational audition in which her voice reportedly “shook the walls” of the studio. Bert Lahr was chosen to play the Cowardly Lion. Buddy Ebsen was supposed to play the Tin Man, but he became ill from inhaling the aluminum dust sprayed on his face. Jack Haley replaced him.

Lithe and rubber-limbed dancer Ray Bolger played the Scarecrow. The part of the Wizard was at first offered to W.C. Fields and Ed Wynn, both of whom turned it down. Wallace Beery did a screen test for the role, but it eventu-ally went to Frank Morgan, who played it brilliantly. More than 210 midgets ap-peared in the film, and they caused quite a stir. They were a wild, un-controllable bunch who held up production, showed up drunk and even propositioned Judy Garland and other actresses. Garland said the crew sometimes had to “scoop them up in butterfly nets.” Songwriter Harold Arlen com-posed “Over the Rainbow” for the movie. At first, several studio officials didn’t like it and tried to keep it out of the film. They thought it slowed down the ac-tion and was too “symphonic” for a farm girl to sing. Fortunately it was kept in. In fact, the entire movie be-came a classic, and it deserves to be. It invariably touches the heart of every child who sees it and continues to delight adults. A minor theme may be that happiness must be found within

ourselves. But its principle ap-peal is in the creative world of the imagination—the kind all of us once had as children.■

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Judy Garland in ‘The Wizard of Oz.’

13 • March 2012 • The Senior Voice

presents

Timberline Church2908 S. Timberline Rd. Fort Collins, CO

$10 registration includes 3 sessions, handouts, lunch, and camaraderie

Topics include:How to Navigate through Family Dynamics•End of Life Planning•Taking Care of You - Self Care for Family Caregivers•Alzheimer’s & Dementia•Options: Living and Financial•

Elder CareRESOURCE

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A Day of Learning for Family CaregiversA Day of Learning for Family Caregivers

March 31, 2012

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Fort Collins Rockhounds presents the

51st Annual

Gem & Mineral Show Gem & Mineral Show

Featuring Fossils & Quartz

March 23, 24, 25, 2012March 23, 24, 25, 2012

Show Chairman: 970.493.6168 (No dealer space available) • showchairman@fortcollinsrockhounds.org

Thomas M. McKee 4-H, Youth & Community Building, Larimer County Fairgrounds

Details at www.fortcollinsrockhounds.org

Exhibits • Door Prizes • Grab Bags • Silent Auction

• Demonstrations • Gem & Mineral Dealers

Fort Collins Rockhounds,

P.O. Box 482, Fort Collins, CO 80522Mar. 23: 4-8 p.m. • Mar. 24: 9 a.m.-6 p.m.Mar. 25: 10 a.m.-5 p.m. • FREE PARKING

392Exit 262

Exit 259

Exit257

To Windsor

To Loveland To Greeley

Cty R

d 3

CR 5

To Fo

rt Co

llins

To Denver

To Windsor

Fairg

roun

ds Av

e.Ce

nter

ra pk

wy

The Ranch/McKee Bldg.

Crossroads Blvd.

Centerra

N

34

Use s

outh

Entra

nce

for M

cKee

acce

ss

Admission: Adults (18+): $4 daily or $7 for 

3-day passStudents (12-18 yrs) with ID: $1

Children under 12 FREE with adult

Author/Illustrator

Gary Raham1 pm Sat.

“A Rockhound’sJourney Through

Deep Time”Fun for ages

Handling a 401(k)By Scott Tally

At some point, many people with retirement or employer-sponsored investment accounts will find themselves faced with the decision of what to do with rollover funds. This can happen when you change jobs and cash out a 401(k), or when you retire. One possible option is to directly roll your entire distribution into a new Individual Retirement Account (IRA) or an employer-sponsored 401(k). Either one will allow you to continue to defer taxes and allow you to continue building your retirement savings for the future. You may want to keep funds in your employer’s plan until you reach the plan’s retirement age, if that is an option. This may be ideal if you want to take advantage of certain investment options or man-aged money services available in your existing plan. Your funds will remain tax-deferred and can later be moved to a new employer’s quali-fied plan or an IRA. You may choose to withdraw the funds from your 401(k). If you do, your money will no longer have the potential to grow tax-deferred, and it will be subject to ordinary state and federal income taxes. Addition-ally, if you are under age 59½, a 10% IRS penalty may apply. Rollovers must be completed no later than the 60th day after the day you receive the distribution.________________Scott Tally is a financial adviser with Legacy Financial Group at 3003 East Harmony Road, Suite 110, in Ft. Collins. Call 970.988.9204, email scott@legacyfinancialgroup.us.com. ■

Some simple things could re-duce healthcare costs by billions of dollars a year and save thou-sands of lives, says a report from consumer advocate group Public Citizen. Making sure doctors and nurses wash their hands, follow checklists to prevent infections and complications, prevent bed sores and adverse drug reactions are among a few. “There are many incentives to order expensive tests and pro-cedures and too few rewards for providing basic, sensible care,” said Public Citizen official Da-vid Arkush. “The federal govern-ment should ensure that fulfilling basic patient safety standards is a condition of receiving federal reimbursement.” Doing such things would save about 85,000 lives a year and re-duce costs by $35 billion, said Arkush. For instance, avoidable surgical errors cost an estimated $20 billion a year; bed sores $11

billion; and preventable adverse drug reactions $3.5 billion. Severe pressure ulcers cost an average of $70,000 each to treat. One catheter infection costs $45,000. Each case of ventila-tor-associated pneumonia costs about $6,000 to treat. Nurse shortages are a major cause of hospital errors, said Arkush. Increasing the number of nurses by just one-third could save about 70,000 lives a year. Other recommendations: Congress should require man-datory reporting of serious ad-verse events in hospitals, and doctors should be required to re-port errors to patients. Currently fewer than one-tenth of one per-cent of errors are reported. The government should re-quire providers to use proven safety practices such as follow-ing checklists during and after surgeries, and enforcing simple things like hand washing. ■

Patient Safety

14 • March 2012 • The Senior Voice

(Editor’s Note: The following story was written in the early

1900s by Jack Smillie, a cowboy from the Greeley area.)

Billy Burro lived in town. He was a skinny little kid with big blue eyes, and he wore thick eyeglasses. The rest of the kids called him “Donkey” and they “hee-hawed” at him. I don’t think they dis-liked him. He was just someone

to tease, the fall guy because his name was Burro. It could have been me. My ears were big. But the kids left me alone because I could swim and play ball. Billy didn’t play ball and he wasn’t much of a swimmer. But he was awfully smart in school. He wanted to learn to swim and he knew I could help him, and that I wouldn’t dunk him like the big boys would. One morning, he came to my place early to go swimming. Mother said it would be all right, but I had to be back before ten o’clock because she expected Dad home on “The Number Ten.” There were two passenger trains through our town every

morning. One at nine o’clock and one at ten. Us kids called them “Number Nine” and “Number Ten” because there were songs about them:

“The Number Nine went down the line, good-bye my lover, good-bye. She was making knots and right on time, good-bye my lover, good-bye...”

We skittered across a field. As soon as we hit the railroad track, Billy began to sing: “The Num-ber Nine went down the line...”

I stepped up on one rail and Billy stepped on the other. We walked down the rails singing.

Suddenly Number Ten was at the top of Agate Hill and really rolling. Billy’s feet slipped off the rail, and one of them went down between the rail and cattle guard stave. He was stuck, and Number Ten was coming down at us.

“Jump, Billy!” I yelled.

“I can’t,” he screamed. “I’m stuck!”

I grabbed his hand and yanked. I yanked and I prayed.

Billy came out of his shoe, and the two of us rolled into the bar-row pit just as old Number Ten rolled by. We went back to get Billy’s shoe, but the top of it was cut off, so we just left it.

We laughed a little and sang: “Old Number Ten went round the bend, good-bye my lover, good-

bye.”

I didn’t see Billy much after that. I found out he didn’t have a mother, and his dad was a wheat buyer. As soon as the farmers had their wheat threshed, the Burros were going to leave. I didn’t think much about it until one night Billy came out to the ranch to tell me he was leav-ing on old Number Ten the next day. We talked until way after dark. He said I was the best friend he ever had. I had never teased him, had taught him to swim and had saved his life. I said I hadn’t done nothin’ and that I was sorry he was go-ing away, and that I would sure enough be at the train station the next day to tell him good-bye. We just kind of stood out there in the dark, wishing tomorrow wouldn’t come. I had to play hooky the next morning to see Billy leave on old Number Ten, but I wasn’t alone. Nearly every kid in school was there, even those who called Bil-ly “the educated jackass.” When the train pulled out, Billy never saw any of them. He looked right at me, tears rolling down from under his thick glass-es. I cried a little that night, and all of my life I remembered the song: “Old Number Ten came round the bend...” ■

HEALTH CAREIN YOUR

FUTURE SUMMITF O R T C O L L I N S A R E A C H A M B E R O F C O M M E R C E

March 28, 2012A business summit to discuss

developments in health care andthe outlook for the health care industry

in the Fort Collins region.

Registration is open now.Learn more at

www.FortCollinsChamber.com

Remembering a Young Friend

Early school house. Colorado Historical Society

15 • March 2012 • The Senior Voice

By Lois Hall Early farmers in Loveland were an independent bunch who once told commercial buyers of their crops to “Go to hell.” In 1872 Denver buyers had set the price of potatoes artificially low, and Loveland farmers were upset. They held a meeting and sent a notice to the commercial buyers: “Knowing of the shameful conspiracy of the merchants of Denver to deprive us of a living price for our potatoes...we will eat all our potatoes ourselves.”

Later the Denver buyers gave in and a better price was set. But this was an indication of the in-dependent spirit shown by Love-

land’s early settlers. They were among the first in Colorado to build irrigation ditches so crops could be grown on the plains. Loveland became known na-tionwide for producing unusually fine fruits such as cherries, apples, plums and raspberries. It was the cherry capital of Colorado for 50 years, with seven canning plants operating in the town during the early 1900s. Enterprising farmers and busi-nessmen also were responsible for getting the Great Western Sugar Company to build its first

northern Colorado sugar beet fac-tory in Loveland in 1901. That industry was so successful that, in its first 25 years, profits from it

were double those made from the mining industry’s first 25 years. The white gold of sugar beet farming was king in the state for many years, until the white gold of snow skiing replaced it. Enterprising Loveland resi-dents were also responsible for getting the Empson Canning Fac-tory located in town in 1908. Be-ginning as a pea canning plant, it brought many jobs and increased prosperity in the town.

The man who built the factory was J.H. Empson, an ex-candy store merchant from Chicago who came to Colorado for his health. He was as creative as some of his Loveland neighbors, building much of the machinery used in the factory himself. His name lives on through the Kuner-Empson products still sold in supermarkets today. The next time you buy canned beets, for example, look for the name. ■

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His name lives on through Kuner-Empson products

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Early Days [ in \

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Loveland Museum.

16 • March 2012 • The Senior Voice

A drunk naked woman got in a New York taxicab. Instead of starting the cab, the driver just stared at her. She said, “What’s wrong, haven’t you ever seen a naked woman before?” “Yes, but I’m wondering where you put the money to pay for this cab.” If you can’t drink and drive, why do bars have parking lots? Why does a man twist his wed-ding ring on his finger? He’s try-ing to figure out the combination. Two men were playing chess. One said, “Let’s make this more interesting.” So they stopped playing chess. The TV newscaster begins with “Good evening” and then pro-ceeds to tell you why it isn’t. Politicians and diapers have one thing in common: They should

be changed often and for the same reason. From little kids in a Sunday school class: Noah’s wife was Joan of Ark. Christians have only one spouse. This is called monotony. Lot’s wife was a pillar of salt during the day, but a ball of fire at night. The Egyptians were all drowned in the desert. Moses went up to Mount Cya-nide to get the ten command-ments. Moses died before he ever reached Canada. David fought the Finkelsteins. Three wise guys from the East arrived. Mary had a immaculate con-traption. St. Paul cavorted to Christianity.

The greatest miracle in the Bi-ble is when Joshua told his son to stand still, and he obeyed him. “Life is hard. It’s even harder if you’re stupid.” John Wayne “I think men who have a pierced ear are better prepared for mar-riage. They’ve experienced pain and bought jewelry.” Rita Rudner “My wife and I were happy for 20 years, and then we met.” Rod-ney Dangerfield “Men are like a fine wine. They start out like grapes, and it’s our job to stomp on them and keep them in the dark until they mature into something you’d like to have dinner with.” Kathleen Mifsud “I don’t attend church because I’m uncomfortable surrounded by all those sinners.” David Feherty A new hair salon opened for business right across the street from a well established salon.

The new salon put up a big sign that read: “We give $10 hair cuts.” The established salon then put a sign that said: “We fix $10 hair cuts.” A driver was going down a busy Los Angeles freeway. His cell phone rang, and his wife said: “Herman, I just heard on the news that there’s a car go-ing the wrong way on the Inter-state. Be careful!” He said, “It’s not just one car. It’s hundreds of them!”

Laughter: Best Medicine

From Senior Voice readers & advertisers:

“ I read everything in your magazine, including the ads." Lela F., Reader

“ We’ve advertised with The Voice since 1980, and

we’ve had excellent results." Travel Agency Owner

“ After your article came out, our

visitor count tripled." Museum Director

“ My friends and I share every issue." Gretchen L., Reader

See www.theseniorvoice.net. Call 229-9204 in Fort Collins.