Friday, January 2, 2026

TRAVEL/ ENTERTAINMENT: Tales of Colorado’s Two Shopping and Dining Cities

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Photography and Text by Terry “Travels with Terry” Zinn t4z@aol.com

Colorado offers many tourist areas. Two are the college town of Ft Collins and the mountain town and gate way to Rocky Mountain National Park, Estes park. Both offer a staggering amount of dining options and shopping experiences, sure to test your endurance.
For lunch in Ft Collins, the Mainline, 125 South College Avenue, is in an upscale modern renovated industrial building offering a diverse selection of food choices with courteous wait staff. Located in old town on its main street, is popular and validates its reputation.
The Perennial Gardener and Sense of Place, at 154 N College street, offers seasonal décor and specialty items. While the store is packed to the rafters with tempting objects, don’t miss the outdoors back yard with a choice of garden sculptures. Nature inspired gifts include scented candles, wall art, jewelry and even unique pajamas. In their own season, holiday items and ornaments abound. While strolling the town don’t miss the old town square and the candy store, Rocket Fizz.
When shopping on College, on Ft. Collin’s main street, be sure and drop into the Rocky Mountain Olive Oil Company (www.RockyMountainOliveOil.com) where you can sample many different Olive Oil infusions, and a few hole olives. I was looking for gourmet blue cheese stuffed olives for Martinis.
I found my olive search at Flat Top Mountain Trading Company, (145 East Elkhorn, 970-480-1445) in Estes Park, Colorado. The Olives are very large and the cheese as pungent as you cold want. Of course you’ll need to visit Estes Park and its main street filled with a variety of gift and food shops.
While in Estes Park be sure and visit the tasting room at Dancing Pines Distillery (www.DancingPines Distillery.com). Their Colorado Crafted Vodka is distilled from grapes 6 times in a column still with snow melt water from the Rockies. The Vodka has a faint hint of grape and is a truly unique vodka, just the kind of specialty you seek as a delectable souvenir. For a tasting of 6 of their liquor concoctions you can get a cocktail made to your specifications. You can choose from the Campfire Mule, of Ginger Beer with a choice of spirits, Chai Manhattan, of Bourbon and Black Walnut with Cherry Orange, among others. The tasting room offers comfortable seating and an elevated view of the shops below a mountain backdrop.
Visitors are encourage to take the Elkhorn Express Trolley located a the Visitor Center, 691 N, St. Vrain Ave, conveniently located next to the new parking structure. The trolley can make stops at Bond Park, The Ore Cart Rock Shop, West Park Center, the Trading Post, Barlow Plaza and the Grubsteak Restaurant. For availability and times check out; www.estes.org/shuttles.
Twin Owls Steakhouse, near downtown Estes Park on MacGregor Avenue is a natural choice for a mountain log cabin environment. Of course the food selections are numerous and the quality top notch, from prime rib, seafood to trout. Musical entertainment might be engaged on your evening experience. Our wait staffer, Sergei, was Russian charming and efficient. Reservations recommended. (970-586-8113) For overnight lodgings you may want to investigate the nearby Black Canyon Inn.
A trip to this area would not be complete without a stay or short visit to the iconic and historic Stanley Hotel. This hillside white visage is credited with inspiring Steven Kings’, “The Shining,” and tours of the property are available even if you can’t book an overnight stay. As with many famous and upscale hotels, a visit to their restaurant or bar can satiate your need of your atmospheric hunger. The Whiskey Bar offers quality beverages as well as you can order food, as the restaurant proper has limited hours. In coming years a maze, just recently planted in front of the hotel, will grow and offer an old world experience.
This is just a small sampling of two cities which you can explore when visiting Colorado.
For more on Estes Park visit, www.EstesPark100.com
For more on Fort Collins visit, www.visitftcollins.com

Mr. Terry Zinn – Travel Editor
Past President: International Food Wine and Travel Writers Association
http://realtraveladventures.com/author/zin

SAVVY SENIOR: How a Government Pension Might Reduce Your Social Security Benefits

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Dear Savvy Senior,

As a teacher for 20 years, I receive a pension from a school system that did not withhold Social Security taxes from my pay. After teaching, I’ve been working for a small company where I do pay Social Security taxes. Now, approaching age 65, I would like to retire and apply for my Social Security benefits. But I’ve been told that my teacher’s pension may cause me to lose some of my Social Security. Is that true?

Ready to Retire

Dear Ready,
Yes, it’s true. It’s very likely that your Social Security retirement benefits will be reduced under the terms of a government rule called the Windfall Elimination Provision (or WEP).
The WEP affects people who receive pensions from jobs in which they were not required to pay Social Security taxes Ð for example, police officers, firefighters, teachers and state and local government workers whose employers were not part of the national Social Security system. People who worked for nonprofit or religious organizations before 1984 may also be outside the system.
Many of these people, like you, are also eligible for Social Security retirement or disability benefits based on other work they did over the course of their career for which Social Security taxes were paid.
Because of your teacher’s pension, Social Security will use a special formula to calculate your retirement benefits, reducing them compared to what you’d otherwise get.
How much they’ll be reduced depends on your work history. But one rule that generally applies is that your Social Security retirement benefits cannot be cut by more than half the size of your pension. And the WEP does not apply to survivor benefits. If you’re married and die, your dependents can get a full Social Security payment, unless your spouse has earned his or her own government pension for which they didn’t pay Social Security taxes. If that’s the case, Social Security has another rule known as the Government Pension Offset (or GPO) that affects spouses or widows/widowers benefits.
Under the GPO, spousal and survivor benefits will be cut by two-thirds of the amount of their pension. And if their pension is large enough, their Social Security spousal or survivor benefits will be zero.
There are a few exceptions to these rules most of which are based on when you entered the Social Security workforce.
Why Do These Rules Exist?
According to the Social Security Administration, the reason Congress created the WEP (in 1983) and GPO (in 1977) was to create a more equitable system. People who get both a pension from non-Social Security work and benefits from Social Security-covered work get an unfair windfall due to the formula of how benefit amounts are calculated.
These rules ensure that government employees who don’t pay Social Security taxes would end up with roughly the same income as people who work in the private sector and do pay them.
For more information on the WEP visit SSA.gov/planners/retire/wep.html, where you’ll also find a link to their WEP online calculator to help you figure out how much your Social Security benefits may be reduced. And for more information on GPO, including a GPO calculator, see SSA.gov/planners/retire/gpo.html.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

1st Annual Wellness Expo is big success!: Healthy Living Norman event attracts 32 vendors and 350 attendees. Here are some of the highlights.

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By Marise Boehs

INSPIRE was giving free blood pressure checks.

Cody Metscher, Clinical Liason, said INSPIRE comes monthly to HLN to give No Charge blood pressure checks to persons wanting them.

For more information:
www.inspirehospital.com

Liz Barfield, Founder, Better Bites, was in the Center’s kitchen
preparing tasty snacks.

Better Bites offers locally made, well-balanced individually portioned meals to fit any lifestyle and nutritional goals.

www.betterbitesbylizb.com


Mark Cope, Nerve Renewal, talks to attendees about neuropathy pain.

Nerve Renewal offers long-term relief from chronic nerve pain and numbness with advanced therapy for peripheral, diabetic, and chemotherapy-induced neuropathy pain.

Nerve Renewal has offices across the Metro as well as in Shawnee, Stillwater and Broken Arrow.

To find a Nerve Renewal office near you and for more information about threatments available, check out their website at www.nerverenewalnow.com

Ryan Adkins, Nutritional Health Coach, Natural Grocers, talks with an attendee. Natural Grocers offers free Nutritional Health Coaching Sessions. For more information or to find a store near you, log on to www.naturalgrocers.com

Lezley Bell, CaptionCall, talks with attendees about the service they offer – a phone that displays large, easy-to-read text that automatically captions your conversation. The sevice and phone are no cost to you. For more information, email Lezley at lbell2@sorenson.com or call her at 580-302-4283.

 

ABOUT HEALTHY LIVING NORMAN
The mission of Healthy Living Norman is to promote the health and well-being of adults aged 50 and older by providing opportunities for physical activity, social engagement, and lifelong learning at the Adult Wellness and Education Center.

CENTER AMENITIES
Warm Indoor Saltwater Pool
Demonstration Kitchen
Fitness Center
Land and Water Fitness Classes
Health Screenings
Seminars and Events
Billiards
Indoor Walking Track
Outdoor Pickleball Courts
Fireplace and Lounge Area
Small Gathering Spaces
Art and Educational Classes

CLASSES  The center offers a variety of art and craft classes.

Fitness classes include water exercise as well as land exercises like yoga, pilates, tia chi, aerobics and line dancing or belly dancing.

Check out the entire list and  schedule of classes at www.healthylivingnorman.com

 

Generous Incentives offered on Wheelchair Accessible Transportation for Members of OKALA

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Benefits include vehicle discounts, equipment service and access to mobility specialists

The Oklahoma Assisted Living Association (OKALA) is pleased to offer benefits to members through a collaboration with United Access. As the second largest provider of customized accessible vehicles and equipment in the nation, United Access provides vehicle sales for wheelchair vans, trucks and SUVs, as well as wheelchair and scooter lifts, hand controls, power transfer seats and more.
“With United Access our members will have the advantage of working with a local dealership and local mobility specialists who know, live and work in our community,” said Melissa Holland, Executive Director OKALA. “Being able to meet in person with United Access will not only be convenient and comfortable, but also critical to their developing a deep understanding of our members’ businesses and specific accessible vehicle needs, as well as knowing the local resources necessary to keeping your vehicles operating at peak performance.”
Incentives offered by United Access will enable OKALA members to receive the maximum possible value on their vehicles by working with dedicated mobility specialists. In addition to special discounts on vehicle acquisition, OKALA members will receive mobility equipment servicing and access to nationwide remarketing experts for selling vehicles, among other benefits. Dealer sales, service and financing and leasing also are available for retail and commercial wheelchair vans in Oklahoma.
Specific benefits and discounts include:
*Local, dedicated mobility specialists
*Up to 5 percent savings on vehicle acquisition costs
*Free annual mobility equipment service
*Factory ordering, manufacturer and volume incentives
*Access to nationwide remarketing experts for buying and selling vehicles
“United Access is dedicated to giving people the power of freedom and independence by providing the safest and most trusted accessible driving solutions and we are pleased to be able to offer these special benefits to OKALA members across the state,” said Jim Thurmond, commercial sales manager for United Access. “Our vehicles provide an affordable transportation solution for independent living and senior living communities for non-emergency medical transport and ambulette paratransit.”
All United Access’ wheelchair accessible vans comply with National Mobility Equipment Dealers Association (NMEDA) and Americans with Disabilities Act (ADA) standards and include top quality vehicles from trusted companies including BraunAbility, Vantage Mobility International (VMI), Bruno, Harmar lifts, and ElDorado. Selections include wheelchair vans with side- or rear-entry ramps, as well as full-size vans with lifts. Rentals also are available.

What brings joy to your life? Grand Tapestry at Quail Springs Apartments

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My work is important to me because I can still do it. And I love all kinds of sports. Glenn Boyer

Music and art. My family was full of musicians. Liliana Schechter

Believe it or not it’s the sunrise I get to watch every morning. Gwyn Walters

The fact I have a washer and dryer in my apartment. I’m easy to please. Sandy Dolan

Oklahoma Czech Festival Set for Oct. 5, 2024, in Yukon

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The annual Oklahoma Czech Festival returns to Yukon, Oklahoma on Saturday, October 5, 2024, bringing a day full of celebration and cultural activities. The festival will kick off with a vibrant parade at 10 a.m. on Main Street, featuring a colorful array of floats, costumes, and performances that honor the rich Czech heritage of the community.
This year’s festival introduces a reimagined Pivo Garden, also known as a beer garden, where visitors can enjoy traditional Czech dinners and beverages available for purchase. Adjacent to the Pivo Garden, Oklahoma Czech, Inc. will host live Czech performances with authentic folks singing and dancing, providing attendees with an immersive experience into the unique cultural traditions of the Czech community.
“Sharing Czech culture and heritage with our community is what drives the Oklahoma Czech Festival,” said Kim Rex, president of Oklahoma Czech, Inc. “2024’s Festival is shaping up to be one of the best as we make changes to improve accessibility, walkability, and safety, all while sharing Czech traditions and culture.”
To enhance accessibility and walkability, the 2024 festival has relocated the carnival portion of the festival to the north side of Main Street. This change also addresses safety concerns, allowing for a more enjoyable experience for all attendees.
Returning to the festival is the beloved arts and crafts show, featuring more than 150 artisans and crafters selling handmade products. From traditional Czech crafts to contemporary creations, there will be something for everyone to enjoy.
The Oklahoma Czech Festival is a family-friendly event celebrating the heritage and traditions of the Czech community in Oklahoma. Since 1966, Oklahoma Czechs, Inc. has hosted the Oklahoma Czech Festival to preserve and share the customs and heritage the Czech and Slovak immigrants brought from their homeland. Yukon is proudly known as the Czech Capitol of Oklahoma and celebrates its rich culture throughout the year. For more information, visit
https://www.czechfestivaloklahoma.com.

 

IN RECOGNITION: Oklahoma City Native Launches aircraft

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221118-N-WU964-1143 PHILIPPINE SEA (Nov. 18, 2022) Lt. Drew Wofford, right, from Oklahoma City, and Aviation Boatswain’s Mate (Equipment) Airman Dylan Lekniskas, from Vero Beach, Florida, launch a C-2A Greyhound, attached to the Fleet Logistics Squadron (VRC) 30 Det. 5, on the flight deck of the U.S. Navy’s only forward-deployed aircraft carrier, USS Ronald Reagan (CVN 76), in the Philippine Sea, Nov. 18. VRC 30 is one of only two carrier-qualified logistics support squadrons, providing supplies, personnel, and logistics support to Carrier Strike Group (CSG) 5. Ronald Reagan, the flagship of CSG 5, provides a combat-ready force that protects and defends the United States, and supports alliances, partnerships and collective maritime interests in the Indo-Pacific region. (U.S. Navy photo by Mass Communication Specialist 3rd Class Dallas A. Snider)

Launches aircraft on the flight deck of USS Ronald Reagan

Courtesy Megan Brown, Navy Office of Community Outreach

Lt. Drew Wofford, right, from Oklahoma City, and Aviation Boatswain’s Mate (Equipment) Airman Dylan Lekniskas, from Vero Beach, Florida, launch a C-2A Greyhound, attached to the Fleet Logistics Squadron (VRC) 30 Det. 5, on the flight deck of the U.S. Navy’s only forward-deployed aircraft carrier, USS Ronald Reagan (CVN 76), in the Philippine Sea, Nov. 18. VRC 30 is one of only two carrier-qualified logistics support squadrons, providing supplies, personnel, and logistics support to Carrier Strike Group (CSG) 5. Ronald Reagan, the flagship of CSG 5, provides a combat-ready force that protects and defends the United States, and supports alliances, partnerships and collective maritime interests in the Indo-Pacific region. (U.S. Navy photo by Mass Communication Specialist 3rd Class Dallas A. Snider)

SNL News Line – Matilda Charles – Don’t Give Up

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Don’t Give Up

This is not the world we grew up in, or even the world we knew for much of our lives. If my informal poll of friends and acquaintances is correct, we don’t like it much. The current state of the world has taken an emotional, physical and social toll on us. This isn’t the retirement we planned.
I hear:
We’re too trusting and it gets us into trouble when we fall for scams coming to us via phone, email and the internet, and resulting in identity theft and loss of money.
The pandemic locked many of us away, and we haven’t surfaced yet because COVID is still out there, as well as the annual flu and RSV (respiratory syncytial virus) this winter. Staying home seems to be the safest way to avoid it all.
And there’s the television news. Some of us have started only watching the first five minutes to catch the weather and then turn to a different channel to avoid the political scene and crime reporting, some of which unfortunately is happening in our own areas. Channels showing reruns of retro programs are getting a lot of our attention now.
No, we don’t like it much, and some of us wonder if we’re sliding into depression.
But there are ways to regain some of what we’ve lost, and a trip to our physician might be the best first step. Go, and tell him or her what’s going on with you. A simple blood test might point to a change in diet that could help how you feel.
At the same time, he might know of some community resources, even if it’s having meals delivered.
Reconnect with friendships that matter (even if it’s on the phone), ask if the library delivers books, become a pet foster parent, look for senior exercise videos on YouTube, etc.
Don’t Give Up.

Seniors Can Have Fat Bike Fun

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Darl DeVault rides a Trek Fat Bike that delivers surprising balance and control on this uneven terrain. photo by Richard T. Clifton

by Darl DeVault

Fat Bikes feature comfortable, cruising 4-5 inch tires. With all that squishy rubber under you providing balance, and riding upright without crouching, comfort rules the day.

Bicycling is experiencing a resurgence lately because it provides a fun, healthy way to spend time outdoors while riders keep a safe social distance from others. Seniors might consider the comfortable modern Fat Bikes that will bring back memories of bicycles in the 1960s.
Modern fat tire bikes, or Fat Bikes as they are called, are off-road bicycles providing seniors comfortable and smooth riding because of the oversized tires, no matter where they ride. The elderly appreciates these bicycles because they are designed so the rider maintains an upright position with no strain on their back. The handlebars are straight, again easing pressure on the back by not requiring a crouching position over the bike.
Seniors who cycle or want to start riding again might want to test ride a Trek Fat Bike. It is a cross between a light-weight racing bike, with its multi-speed gearing, and a balloon-tired “paperboy” bike of the 1950s.
Many seniors are riding more now because the activity can slow down the progression of aging, deterioration in muscle mass, and much more, according to many medical studies.
Remember your first balloon-tired bike? These new fat tires are almost three times bigger than those balloon tires, which expands regular 2-to- 2.25-inch mountain bike tires to a whopping, comfortable, cruising 4-5 inches. With all that squishy rubber under you, comfort rules the day.
These bikes have the best kind of frames for a senior, the step-through design. This enables the rider to get on and off the bicycle easily. It will perform well during your regular commute or a Sunday country ride. The choice of more gears is generally helpful. If you have a lot of climbing to do and prefer easy pedaling with more revolutions and less resistance for each pedal stroke, the gears provide that option.
With these big tires you achieve a floating sensation when riding along. Fat Bikes are a lot of fun and come with a built-in smile factor – you cannot help but grin to yourself if you like to bicycle.
These Fat Bikes have everything, as manufacturers are now putting real engineering and design technology into them. Racing-bicycle metallurgy, extremely light but strong, means the design allows the Fat tires to dampen road shock and provide stability over rough terrain.
Here is my recent off-road test. I took a Fat Bike off the pavement and up a nearby berm to test the fun.
The added buoyancy of plenty of air between the rim and the ground meant it was simply a matter of powering through the uneven terrain.
My first pass…. I started up the steeply sloping hillside only to discover about two-thirds of the way up that it was sandy soil. The loose soil quickly brought my speed down. When I noticed I was not making good progress I simply applied more power.
I continued my climb. What a feeling, I was on top of the world! I was in control and staying upright while climbing over difficult and uneven terrain.
It made all the difference in the world to my confidence to know that I had climbed the steepest area without using all the gearing available.
The length of the wheelbase, because of extra-size tires, alone adds a dimension of stability. Forget the huge contact patch with the ground; the longer wheelbase gives your ride a squish not available any other way. It seems to even some obstacles out without effort from the rider.
Senior riders can opt for significantly lower tire pressure. Think 15 or 10 psi, or even lower still. This gives the tire some significant squish, and that play translates to more rubber conforming to the trail for serious grip.
I rode back and forth on top of the berm several times, finding new routes, weaving in and out of the trees and around obstacles. I could cut back against the hill and accelerate to support my balance after going around bushes.
I was proud of being able to handle the bike in such tight quarters. I took on harder terrain, happy to come shooting out of the underbrush into the open unscathed.
So far, so good. Now it was time to ride down. I felt I was in control… that I could use the disc brakes and if necessary, the whole rear tire in slowing down. Coming down was a pleasure, the control of the bike suddenly became all mine again. Slaloming on the 4-inch fat tires was a breeze.
I felt I had more control over the bike descending than at any other time, especially with the longer wheelbase. I knew that if I kept my center of gravity low and the bike centered beneath me, those sturdy fat tires could take any punishment. This confidence allowed me to steer right where I wanted it to go.
While Fat Biking over changing terrain takes coordination, and quickness, it gives the cyclist the elation of triumphing over unpredictable conditions and challenges. Finally, it instills a “can-do” attitude that is as comfortable as a bicycle can get.
If you ride, please buy a helmet, and wear it. Today’s helmets are adjustable and comfortable to wear while the air flow through the vents keep your head cool.
Senior cyclists owning the new-generation Fat Bike can also try out what they term Gravel Rides, taking backcountry unpaved scenic routes on their new contraptions.
Imagine a bicycle with bigger than a paperboy balloon tires by two and a half times taking the tension off major joints, and you have the start of what you might find as the inspiration to cycle more.

Pearl Harbor Sailor Born in Oklahoma to be Buried

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Robert Thomas Stout, Fire Controlman 3rd class.

Died During the December Attack on Pearl Harbor

Robert Thomas Stout was in El Reno, Oklahoma on Feb. 27, 1920 and enlisted at Denver, Colorado as a Seaman Apprentice.
Robert reached the rank of Fire Controlman 3rd Class (FC3c) with duties included operating, maintaining, inspecting and repairing the weapons control systems used on combat ships. He also operated range finders, optical fire control equipment, repaired electrical firing circuits and manned fire control stations in action.
Robert’s Duty Stations included the USS Oklahoma in April, 1941 until death, USS Rigel in 1940, Elementary Fire Controlman School in 1940 at San Diego, USS Oklahoma in 1939 and the Naval Training Station Great Lakes, IL in 1939.
Awards and decorations included the Purple Heart Medal, Combat Action Ribbon, American Defense Service Medal (Fleet Clasp), Asiatic-Pacific Campaign Medal (Bronze Star) and the World War II Victory Medal.
Robert Thomas Stout, Fire Controlman 3rd Class died during the Dec. 7 attack on Pearl Harbor, will be buried in the Cottonwood, Cemetery, 20499 1st Street, Cottonwood, California on September 15.
Families of Sailors that died in the Pearl Harbor attack are offered a choice to either have the family member re-interred at NMCP, or choose an alternate location, such as a veterans’, private family site, or Arlington National Cemetery. Navy Mortuary, a branch within Navy Casualty, will coordinate the movement of remains, which typically arrive a couple days prior to the burial.

csibleyinsures@gmail.com

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