Strings Attached
Transcription
Strings Attached
March/April 2016 TRAVEL – HEALTH – FOOD – FINANCE community ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE community ZIONS BANK Strings Attached Weiser Hosts Granddaddy of All Fiddle Contests Chef for a Day Cooking Classes for Connoisseurs and Novices Mountain Biking Exploding in Popularity Lifestyle Shopping Center Provo’s Riverwoods Reinvented Whatever the emergency... We’re here when you need us – 24/7. When a medical emergency unexpectedly interrupts your life, our board-certified ER physicians will see you right away. St. Mark’s Hospital • Lakeview Hospital • Ogden Regional Medical Center • Brigham City Community Hospital Cache Valley Hospital • Lone Peak Hospital • Timpanogos Regional Hospital • Mountain View Hospital For Average Wait Times Text “ER” to 23000 MountainStar.com/ER EXPERIENCE THE THEY CAME HERE FOR A REASON. The dinosaurs may have been prehistoric but they knew what they were doing. They found a scenic oasis of adventure and stayed so long it caught them off guard, and theyʼre still here. Dinosaur National Monument is their final resting place. See what they saw and go beyond the bones AND BEYOND! DINOSAUR NATIONAL MONUMENT to experience everything the area has to offer. 3 STATE PARKS • HIKING • RAFTING • FISHING • INCREDIBLE SCENERY PROTECT YOUR STUFF Left to Right: Sarah Matthews, Randall Bateman, Tenley Schofield and Christopher Wight EXPERTS IN INTELLECTUAL PROPERTY Due to modern technology, a company’s intangible intellectual property – patents, trademarks, copyrights, and trade secrets – is more vulnerable than ever before to competitors and thieves. With our four registered patent attorneys, combined with our transactional, litigation and trial lawyers, we are well positioned to help with a full range of intellectual property issues. 10 Exchange Place, 11th Floor, Salt Lake City, Utah 84111 | 801.521.9000 | www.scmlaw.com PROUD SP O NSO RS O F TH E 2016 UTA H G E N I US AWA RDS , A PRIL 27, 2016 CITY CREEK LIVING. NOTHING LIKE IT ANYWHERE. Whether as your year-round home or vacation retreat, the magic of City Creek living can’t be matched. Experience a sparkling creek running through canyon-like walkways and doorstep access to world-class shopping, fine dining, NBA basketball and Utah’s finest arts and entertainment. Enjoy lock-and-leave travel, no yardwork, no shoveling snow and no long commutes. Now’s the time to make this internationally acclaimed neighborhood your home. Sales Center | 99 West South Temple | Salt Lake City Schedule your appointment to tour our award-winning condominiums at 801.240.8600 CityCreekLiving.com features 14 ‘Speaking on Business’ Honors Top Businesses in 2015 17 The Count of Monte Cristo PTC Debuts Soaring New Musical Adaptation 20 Chef for a Day Cooking Classes for Connoisseurs and Novices 28 Mountain Biking Exploding in Popularity 35 Wanship Home to Few, Loved by Many 43 Keeping Up With the Times Rockport State Park 60 Lifestyle Shopping Center Provo’s Riverwoods Reinvented 67 Utah Symphony Celebrates 75 Years Carnegie Hall Performance a Highlight Weiser Hosts Granddaddy of All all Fiddle Contests Strings Attached 50 Community Magazine 7 20 43 the basics 12Editor’s Note Rob Brough 96The Last Word Scott Anderson people 60 70Women Empowering Women Zions Bank Awards Smart Women Grants 76 Tim Allred Rightsize Instead of Downsize 78Marcia Liebich Community Connector 80A&R Corporation 82Utah’s Hogle Zoo 28 43 things you need to know 845 Ways to Improve Your FICO Score 864 Resources Zions Provides for Family Owned Businesses 88Campus Founders Fund Utah’s $500,000 Student-run Venture Fund 90Policy Innovation Through Creative Disruption Learning From the Private Sector 942 Main Benefits of Chip Credit Cards 8 March/April 2016 35 community TRAVEL – HEALTH – FOOD – FINANCE community community ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE ® ZIONS BANK Three-time WPA Maggie Award Winner “Best Corporate or In-House Magazine” TRAVEL – HEALTH – FOOD – FINANCE Four-time Best of State Publication Winner Four-time Golden Spike Winner LISTEN community ZIONS BANK Zions Bank Community magazine is a publication for our clients in Idaho, Utah and Wyoming. Editor-in-Chief Rob Brough rob.brough@zionsbank.com IMAGINE Publisher Arkin Hill ahill@luminpublishing.com Managing Editor Julie M. Bradford julie.bradford@zionsbank.com CREATE Senior Editor Gail Newbold gnewbold@luminpublishing.com Advertising Consultant Brandon Ellis bellis@luminpublishing.com Advertising Consultant Geoff Osmond gosmond@luminpublishing.com Art Director Kevin Kiernan For address changes call Zions Bank Customer Service at 1-800-974-8800. Published for Zions Bank by Lumin Publishing, Inc. 6015 W. Oakshade Lane West Jordan, UT 84081 801-417-3000 © 2016 Zions Bank. All rights reserved. Community is a registered trademark of Zions Bank. Articles are offered for informational purposes only and should not be construed as tax, legal, financial or business advice. Please contact a professional about your specific needs and advice. ARCHITECTURE PROGRAMMING INTERIOR DESIGN Community magazine may contain trademarks or trade names owned by parties who are not affiliated with Zions Bank. Use of such marks does not imply any sponsorship by or affiliation with third parties, and Zions Bank does not claim any ownership of or make representations about products and services offered under or associated with such marks. COMMERCIAL CIVIC MANUFACTURING AEROSPACE RESIDENTIAL Axis Architects www.AxisArchitects.com Salt Lake City 801-355-3003 WE GOT OUR REPUTATION THE OLD FASHIONED WAY, WE EARNED IT R&O CONSTRUCTION At R&O Construction, we believe in a hard day’s work. For us, we know the client comes first, and that we will be remembered most by how we finish. We’re only as good as our last project. Our job is not just to build projects. Our job is to worry so our clients don’t have to, and to execute our plan each day so they can sleep each night. We are not entitled to a next project, we have to earn it. We stand behind our work and are committed to doing it right. We are down to earth, straight forward and honor two things above all, our clients’ trust and our reputation. Give us a call and let us go to work for you. 8 01- 627-1403 Big Enough randoco.com editor’s note Rob Brough sharpens his knife skills at the Salt Lake Culinary Center. I am not a chef. In fact, when it comes to food I am one level below “novice,” if there is such a level. Because of this fact, I am particularly dangerous when shopping for food. Whether it’s a function of my lack of culinary skills or my patience deficiency when it comes to food preparation, every time I enter a grocery store my shopping cart invariably steers itself toward the cereal aisle. For me, cereal is the ultimate food staple; it requires minimal preparation, and there are so many varieties from which to choose. Cereal comes in all shapes and sizes. It comes in flakes, puffs, Os, biscuits, loops, crispies and many other forms. The many varieties differ widely in nutritional value, from sugar-coated, brightly colored puffs to 100 percent wheat bran. Whole and multigrain cereals, unsweetened or lightly sweetened with barley malt syrup or molasses, are generally the most nutritious. 12 March/April 2016 A trip down the cereal aisle meets all of my dining needs. By the time I have filled my cart with Life, Grape Nuts, Frosted Flakes, Cocoa Puffs, Cheerios, Honey Nut Cheerios, MultiGrain Cheerios, Berry Burst Cheerios, Yogurt Burst Cheerios, Apple Cinnamon Cheerios, Fruity Cheerios, Kix, Wheaties, Rice Krispies and Franken Berry, I’ve got only one more decision to make — whole milk, 1 percent or skim. However, I am sometimes required to expand my shopping horizons. When my wife, Holly, asks me to go to the grocery store, she provides me with a very detailed list. I’ve learned that the detail associated with the list is designed primarily to prevent me from simply trying to find some cold cereal that comes close to meeting the same nutritional values as a substitute for the items on the list. With a list in hand, I can generally manage my way through the shopping experience. Where I get in trouble, however, is when it comes to produce. When I see items such as cantaloupe, bananas, tomatoes or squash on the list, I know I’m about to enter into an area far outside my comfort zone. I’ve seen segments on morning news programs about how to pick produce at the grocery store, but I have retained just enough knowledge to look like a fool in the produce section. I know you can “knock” on some fruits to determine whether or not they are ripe, while others you can shake or lightly squeeze. I just can’t remember which tactic goes with which fruit. So there I stand, knocking on tomatoes, shaking bananas and squeezing squash. It gets even worse if I actually try to cook something with the food I have purchased. If anything requires more than three or four steps with the equivalent number of items, I’m beyond worthless — I’m actually dangerous. However, in this issue of Community, Brooke Wilhelmsen explores a number of local venues offering cooking classes that help take the fear and mystery out of food preparation and make it more “approachable” — even for neophytes like me. In fact, in the 10 short minutes I spent with Rich Sheya at the Salt Lake Culinary Center to take the photo for this article I was able to master my knife holding form. Maybe Chef Gusteau in Disney’s Ratatouille was right — “anyone can cook.” Until then, I’ll see you in the cereal aisle! Rob Brough Executive Vice President Corporate Marketing and Communications In the Community ‘Speaking on Business’ Honors Top Businesses in 2015 Layton Construction Alan Rindlisbacher, Gerald Biesinger, Zions Bank EVP of Marketing and Communications Rob Brough, Paul Drecksel, David Layton, Zions Bank President and CEO Scott Anderson, Dallis Christensen, and Speaking on Business host Chris Redgrave. Southern Utah Eye Care Zions Bank EVP of Marketing and Communications Rob Brough, Chris Miller, Dr. Russell Miller, Dr. Kent Albrecht, Sherrie Albrecht, Zions Bank President and CEO Scott Anderson, and Speaking on Business host Chris Redgrave. Fifteen Idaho and Utah companies were honored for their inspiring tenacity, grit and hard work at Zions Bank’s “Speaking on Business” radio program “Top Businesses in 2015” luncheon on Feb. 5 in Salt Lake City. Program host Chris Redgrave joined Zions Bank President and CEO Scott Anderson and Executive Vice President Rob Brough to thank businesses for making their local economies stronger and to present an award to each business owner. “We have such incredible businesses in Utah and Idaho,” Redgrave said. “I’m impressed by the fierce independence, focus, creativity and sheer determination of the businesses represented.” The honorees were selected out of 320 businesses from Idaho and Utah that were featured on “Speaking on Business” in 2015. The honorees were AeroLEDs, BiologiQ, Caffe Ibis, Kamas Foodtown, Lambert Hardwood Flooring, Layton Construction, Linguistica International, Mergenthaler Transfer & Storage, Palace Meat Company, Proskriptive, Southern Utah Eye Care, Superior Threads, TestOut, Tom Scott Honda, and Zion Adventure Company. “We consider these businesses to be the best of the best and (they) were selected from criteria including business development and growth, innovation, and community impact,” Anderson said. For more photos of the companies, visit Facebook.com/ ZionsBank, as well as our Community magazine app. By Britnee Johnston Photos by Kevin Kiernan Caffe Ibis Zions Bank EVP of Marketing and Communications Rob Brough, Debbie Simpson, Brigitta Borrego, Lesa Wilson, Brandon Despain, Sally Sears, Zions Bank President and CEO Scott Anderson, and Speaking on Business host Chris Redgrave. Proskriptive Zions Bank EVP of Marketing and Communications Rob Brough, Michael Hollenbeck, Zions Bank President and CEO Scott Anderson, and Speaking on Business host Chris Redgrave. Download the Zions Bank Community iPad app to see additional photos and video. 14 March/April 2016 Salt Lake City CHECK OUT “SPEAKING ON BUSINESS” Now in our 19th year of airing. This unique and established radio program demonstrates Zions Bank’s commitment to small business and highlights inspiring success stories in the Utah and Idaho business communities. We’re always looking for great companies to join the “Speaking on Business” community. CHRIS REDGRAVE … THE VOICE OF “SPEAKING ON BUSINESS” » Senior Vice President of Community Relations » Driving force in promoting business in Utah for over 25 years » Chair of the Zions Bank Women’s Business Forum » 2014 and 2015 Best of State Award for Journalism » 2011 Top Banking Team Award from American Banker » 2009 Athena Award Recipient DO YOU HAVE A BUSINESS YOU’D LIKE TO HAVE CONSIDERED FOR A FEATURE? If so, visit our website, speakingonbusiness.com or email us at speakingonbusiness@zionsbank.com. A division of ZB, N.A. Member FDIC. The Count of Monte Cristo PTC Debuts Soaring New Musical Adaptation This May, the Pioneer Theatre Company will debut the professional North American premiere of a sweeping new musical, “The Count of Monte Cristo.” It’s a show with an impressive pedigree and one that Artistic Director Karen Azenberg hopes may ultimately be headed for Broadway. By Farrah Lamoreaux Community Magazine 17 If You Go What: The Count of Monte Cristo – The Musical When: May 6-May 21 Where: Pioneer Theatre Company How much: Tickets range from $40-$62 ($5 more day of show), students K-12 are half-price on Mondays and Tuesdays. To buy tickets: Call the box office at 801-581-6961 or visit PioneerTheatre.org. The show has already been a hit throughout Europe, Japan and Korea but has yet to play with a professional company in the United States. An epic musical based on the classic novel by the same name, “The Count of Monte Cristo” tells the story of Edmond Dantes, a young man wrongly imprisoned in the island dungeon of the Château d’If. Dantes makes a daring escape, recovers a hidden fortune and returns to Paris in disguise years later to seek revenge on his accusers. Impressive Roster of Composers and Director The play features a score composed by multi-Grammy and Tony Award-nominee Frank Wildhorn, composer of acclaimed Broadway musicals “The Scarlet Pimpernel,” “The Civil War,” and “Jekyll and Hyde.” The book and lyrics are by Tony Award-nominee Jack Murphy, a longtime Wildhorn collaborator and lyricist for “The Civil War.” Adding to the impressive roster is director Marcia Milgrom Dodge, a Tony-nominated director with several Broadway shows to her resume, who recently directed a revival of “Ragtime” on Broadway. Local Audience Appeal Director Marcia Milgrom Dodge and composer Frank Wildhorn Photos courtesy of Pioneer Theatre Company Azenberg says Monte Cristo is a show that will particularly appeal to the Salt Lake City theater company’s audience. Entering her fourth year as artistic director at the theater, she says it hasn’t always been easy to find the perfect fit. “There is a lot of theater in Utah, which is great because it means that people here really appreciate it,” Azenberg says. “But the challenge is that they also have a lot of opportunities to see productions elsewhere. So unless we’re able to offer things that other people aren’t able to, we won’t necessarily be able to entice them to come — even as a professional theater producing the highest quality work.” She believes the Pioneer Theatre Company has risen to the challenge with this production in particular. “I’ve learned that our audience really likes a combination of new — as in ‘We haven’t seen this before and want to know what it is’— and big. So a literary classic made into a contemporary musical and having its North American professional debut in Utah feels like it’s going to meet all those needs,” Azenberg says. Premiere on a Grand Scale She notes that no one will have ever seen this version of this show before — even European and Asian audiences. “Wildhorn and Murphy are rewriting it as we speak to make it even better, and to tailor it to our theater, our audience and the vision of our director. There has been a lot of new work done, which will make it almost a world premiere in a sense.” Azenberg hopes it will be enough to draw in new theatergoers. “We need everybody’s support. Theater can’t survive without an audience, so we really hope folks will come out and see what we’re doing and help us continue to be in the community.” 18 March/April 2016 Alabama Story 20 March/April 2016 Orson Gygi Orson Gygi Salt Lake Culinary School Chef for a Day Orson Gygi COOKING CLASSES FOR CONNOISSEURS AND NOVICES Maybe your cakes are lopsided, your bread doesn’t rise and you’ve never rolled your own sushi — not that it ever occurred to you to try. Maybe your date nights are boring or you need a clever Mother’s Day gift. Maybe you’d love to know the difference between a macaron and a macaroon? Or maybe you just really like food. By Brooke Wilhelmsen Photos by kevin Kiernan Community Magazine 21 Salt Lake Culinary School Salt Lake Culinary School Harmons 22 March/April 2016 Orson Gygi If any or all of those statements sound familiar, here’s a suggestion for your next available evening: Take a cooking class. We’re not talking about a no-bake chocolate-oatmeal cookie demonstration from your junior high home economics teacher. The classes offered at local restaurants and shops have names like Bread Boot Camp, Everything Phó, Bibimbop and Dukpoki, Pizza and Beer, The Holiday Feast, French Macarons, and Spanish Seafood. They’re taught by professional chefs and industry experts whose job is to “make cooking approachable and demystify the plate in front of you,” says Harmons Cooking School Chef Aaron Ballard. “Cooking classes provide a level of nuanced interactivity that you don’t get from a recipe card.” Not to mention the entertainment value. Just watch Ballard whip up a mean pots de crème while charming a room full of 20 women with stories like the one about his free unanaesthetized root canal after a crash when living abroad. Artisan Bread and Olive Oil at Harmons Peer through the floor-to-ceiling windows into the warmly lit Harmons City Creek cooking school and you’ll wish you were invited to that dinner party. Turns out, you can be. All you have to do is pay $40-$80 for a night of snacking on artisan bread and olive oil, sipping a can of San Pellegrino, and learning the tricks of the trade from a professional instructor. He or she demonstrates a delicious something, then you prepare (and devour) it for yourself while chatting with other attendees as excited to be there as you are. At its conclusion, you’ll walk away with a swag bag of goodies, a container full of food you created and the satisfaction of learning new techniques your mom (or Mrs. Cook in third period) never taught you. Orson Gygi Does Chinese Emily Hardy and her husband, Chris, returned home from eight months of school in China and found themselves missing authentic Chinese food. They took a Saturday afternoon Chinese New Year cooking class at Orson Gygi. “Everything that was taught in the class has been etched on my soul,” Hardy says. “Knife skills, marinade recipes, wok hay, vegetable preparation, deep-fried battered meat and many, many more. The instructor was very entertaining and great at actually teaching how to cook. The best part of the class was realizing you were doing things so inefficiently in your kitchen at home.” Basic Knife Skills Laney Williams had a similar experience at a Basic Knife Skills class taught at the Salt Lake Culinary School (formerly the Viking Cooking School). “I had a few ‘ah ha!’ moments,” Williams says. “Where it’s like, ‘This is so much better than how I’ve been doing it!’” Like learning how to julienne a pepper without lifting the tip of the knife. “Nobody really teaches you these things,” Williams says. Salt Lake Culinary School Orson Gygi 24 March/April 2016 Orson Gygi Salt Lake Culinary School 10 % ONE off HANDS-ON COOKING CLASS* CUt COOk fun bake eat learn TO COOK THE FOOD love you a cooking school for the home cook, teens, and kids saltlakeculinarycenter.com 801.464.0113 find us on Facebook, Twitter and Instagram 2233 S 300 E, SLC, Utah *offer valid through MARCH 31 2015 • discount code #Zslcc15 To redeem and register for a class, call the number ABOVE. No cash value. Use discount code when registering. One class discount per person. Eat While You Learn at Caputo’s Want to start slow? Learn how to prepare an impressive meal without moving a muscle? Reserve a spot at a Tony Caputo’s Market and Deli cooking class. It’s like watching your favorite Food Network show but you get to eat every item that is prepared. Food-centric stories of an Italian upbringing from instructors like Adri Pachelli pepper the two-hour, five-course events that include wine pairings, descriptions of the cooking methods and top-notch ingredients (think $35 truffles, award-winning oils and locally produced chocolate). Caputo’s tasting classes are a more focused version of the cooking class. “Guests get to delve deeper into a specific category and come out walking and talking like experts,” says Tony Caputo’s Marketing Director Yelena Caputo. Start with the popular Intro to Fine Chocolate where experts like CEO Matt Caputo hand over samples while educating you on how Amano is different/better than Hershey’s. For an even livelier party, the Whiskey 101 class is a close second in popularity. Make It Social Cooking and tasting classes aren’t solely about learning a new skill. They’re a social activity and a good option for a date night, family activity, holiday party, friends night out or even a corporate team-building event. Reserve the whole kitchen and watch your department learn how to cook an authentic five-course Indian meal together. You can also check out the kid and teen classes at shops like the Wasatch Front Harmons locations, Sur La Table and Williams Sonoma stores, among others. Whether you’re a failed chef, a Top Chef fan, a hobby collector or a rabid foodie, check out the courses offered at a school near you. Idaho A Tavola 1515 W. Grove Street Boise, ID 83702 208-336-3641 atavolaboise.com/cooking-classes Provo City Recreation Center 320 W. 500 North Provo, UT 84601 801-852-6600 provo.org/departments/recreation/youth-adultprograms/cooking-classes Fuel for the Soul 1941 N. 18th Street Boise, ID 83702 208-342-7118 fuelforthesoulboise.com/teachadult.htm Salt Lake Culinary Center 2233 S. 300 East Salt Lake City, UT 84115 801-464-0113 saltlakeculinarycenter.com Sur La Table N. Eagle Road and East Fairview Ave. Meridian, ID 83646 208-888-1215 surlatable.com Sur La Table 10 Rio Grande Street Salt Lake City, Utah 84101 801-456-0293 surlatable.com Williams Sonoma 350 N. Milwaukee Ave. Boise, ID 83704 208-685-0455 williamssonoma.com Thanksgiving Point 3003 N. Thanksgiving Way Lehi, UT 84043 801-768-4971 thanksgivingpoint.org/classesandprograms Utah Ellie’s Personal Cooking and Catering 1950 Woodbine Way #6 Park City, UT 84060 435-602-2734 elliesparkcity.com Harmons Cooking School Station Park 801-928-2635 City Creek 801-428-0365 Bangerter Crossing 801-617-0133 harmonsgrocery.com/classes Orson Gygi 3500 S. 300 West Salt Lake City, UT 84115 801-268-3316 gygicookingclasses.com Orson Gygi 26 March/April 2016 Tony Caputo’s Market and Deli Multiple Salt Lake City Locations 801-531-8669 www.caputosdeli.com/categories/classes-and-events.html Williams Sonoma 312 Trolley Square Salt Lake City, UT 84102 801-359-0459 and 4801 N. University Ave Provo, UT 84604 801-229-1901 williamssonoma.com (Not a complete list) Landscape for where you live. Your yard, Localized. Take a free class! We teach do-it-yourself homeowners the best way to landscape in Utah. A recent survey of Utah homeowners found: 75% 67% 87% 70% Would like to spend less time maintaining a quality landscape. Feel frustrated trying to design the landscape they want. Felt their homes could benefit from greater curb appeal. Wish their yards offered more privacy. Try Localscapes, the innovative, practical landscaping method designed for Utah. www.Localscapes.com 27 May/June 2015 Download free landscape designs • Cruller from Day’s Market Get tips for landscaping in Utah • Sign up for a Localscapes class MOUNTAIN BIKING EXPLODING IN POPULARITY Thunder MountainTrail near Bryce Canyon National Park 28 March/April 2016 Alpine’s Lambert Park Mountain biking is exploding in popularity in Utah. With the addition of new trails, new bicycle technology and new opportunities for learning, more Utahns are becoming addicted to the heart-pumping climbs and thrilling downhill descents that are hallmarks of the sport. By Deanna Devey Photos by Daryl Devey Community Magazine 29 “There is nothing more fun than railing down a super fun descent and feeling the flow of the trail,” says Jackie Baker, experience manager for Bingham Cyclery (binghamcyclery.com). “There’s a pure thrill from getting out into nature with your bike underneath you.” New Trails Everywhere One indication of the increased interest in mountain biking is the number of new trails and the high volume of riders enjoying them. This is true throughout Utah from Moab to St. George and the Wasatch Back to the Wasatch Front. “New trails are popping up every year, which makes it really easy as a beginning rider to find a trail that’s going to be fun to ride and not be a huge drive,” Baker says. This is especially true in Draper where the city’s acquisition of Corner Canyon has resulted in a network of master-planned trails. Greg Hilbig, Draper trails and open space specialist, says the city is working on a new master plan that includes even more multiuse trails in the coming years, including additional options for bikers. Wasatch Crest Trail overlooking Big Cottonwood Canyon Wasatch Mountain State Park in Midway 30 March/April 2016 CORPORATE EVENTS BRYCE CANYON RUBY’S INN • 877-854-5808 ONE SCENIC LOCATION • LOCATED 1 MILE FROM BRYCE CANYON THREE SEPARATE VENUES • RUBY’S INN • BRYCE CANYON GRAND • EBENEZER’S BARN & GRILL OVER 14,000 SQ FT OF CONFERENCE SPACE • • • • • STATE-OF-THE-ART AUDIO & VISUAL EQUIPMENT CUSTOMIZABLE DINING/CONFERENCE SPACE FOOD-SERVICE CATERING ON-SITE ENTERTAINMENT MULTIPLE BREAK-OUT ROOMS RUBY’S INN BRYCE CANYON NATIONAL PARK 1 MILE EBENEZER’S BRYCE CANYON GRAND RUBYSINN.COM/CONFERENCE-SERVICES/ Welcome to the Neighborhood! Downtown 360 by Garbett Homes: Coming soon in Summer 2016. Ever dreamed of living across the street from a beautiful urban park? When completed this six-story 151-unit residential project will have unmatched views and amenities including a fitness center on the ground floor, two courtyards on the second floor and an indoor-outdoor club room overlooking Pioneer Park on the fifth floor. downtownrising.com Getting Started For those who want to join the craze, it’s easy to get started. First, get a bike that feels comfortable. Bike shops have experts to help you select a bike and make sure it fits properly. Next, be sure to acquire the proper gear including a helmet and a few accessories, such as gloves, padded shorts, hydration pack and tools to fix a flat, Baker says. Finally select the right trail. Baker suggests Draper’s Corner Canyon, the Utah Olympic Park in Park City or Alpine’s Lambert Park. Draper, in particular, has made it easy for beginners with its new Little Valley Instructional Trails. The short trails are designed to teach people how to bike and include signs with information on shifting, yielding, turning and riding downhill. Tested By Humans “I used my kids as guinea pigs when we were building those trails,” Hilbig says. “They had just started mountain biking, and when I took them on a beginner trail we just built, my two youngest said, ‘Dad, that’s too hard.’ So I went back in and made some changes. I brought my kids back out and they loved it.” The Draper trails were designed using a progressive system so people can start on beginner trails and work their way up to intermediate and advanced ones. “Be patient,” Baker says. “It is a sport that can result in falling on the ground once in a while and that’s OK. Take it at your own pace and don’t feel pressured by other folks.” 32 March/April 2016 Thunder Mountain Trail near Bryce Canyon National Park (MUDRSHMDMDQFXDÉBHDMBXSNC@X@MC HMBQD@RDXNTQOQNSRENQSNLNQQNV 3GHMJ3GDQL6HRD ® It’s easy to save money with the ThermWise rebate program for businesses. Receive cash UHEDWHVIRUWKHLQVWDOODWLRQRIQDWXUDOJDVKLJKHIÀFLHQF\HTXLSPHQWDQGUHFHLYHVXEVWDQWLDO savings on your energy costs year after year. Learn more at ThermWise.com or contact business@thermwise.com 5HFHLYHFDVKUHEDWHVIRUWKHLQVWDOODWLRQRIQDWXUDOJDVKLJKHIÀFLHQF\HTXLSPHQW%RLOHUV %RLOHU7XQHXSV)XUQDFHV:DWHU+HDWHUV,QIUDUHG+HDWHUV3URJUDPPDEOH7KHUPRVWDWV &RPPHUFLDO&ORWKHV:DVKHUV&RPPHUFLDO&RRNLQJ(TXLSPHQW+LJK(IÀFLHQF\:LQGRZV DQG,QVXODWLRQDQGPXFKPRUH HOME TO FEW, LOVED BY MANY WANSHIP When Brayden Wardrop was 8, his parents decided to pursue their dream of life in the country. They wanted acres of land, horses, chickens, four-wheelers and easy access to a boating lake. They landed in Wanship, Utah, on 23 acres of land just five minutes from Rockport Reservoir. The year was 1995. By Gail Newbold Photos by Kevin Kiernan Bridge on the Union Pacific Rail Trail Community Magazine 35 “You had to be a little crazy to buy up there at that time,” Wardrop says. “The roads were still dirt and sometimes in the winter we needed a snowmobile to get home.” Afraid of being teased because he didn’t own a pair of cowboy boots, the little boy in the Nike sneakers actually thrived. “I loved it there,” he says. “In high school I was in student government, track, football, golf and baseball. You never got cut from anything.” Wardrop left Wanship 10 years ago at age 19 but married a woman from nearby Hoytsville, so the two return often to visit. There have been changes to the town in the past decade but not many. “The old LDS Church on Main Street was demolished,” Wardrop says, “and new homes are being built. There were 86 kids in my graduating class and this year there will be about 150.” There’s still no stop light, no mayor, and no Onion Days, Strawberry Days or other official small-town celebrations. Weber River 36 March/April 2016 Valley below Wanship Dam Homemade Smoked Pork Located in Summit County, about 35 miles from Salt Lake City, Wanship has a population of 470 and only a handful of businesses. One of these is the Rafter B. Step out of your car in front of this country store that just so happens to sell fabulous homemade food as well as fuel and you’ll be treated to a tantalizing whiff of smoked pork. “We smoke the pork ourselves, and I make the sauce,” says Dave Alderman proudly, part-owner with his wife, Kim Alderman, and Bryan Stanley. “It has a sweet, spicy flavor you won’t find anywhere else. It does real well for us.” He also makes handmade pizza fresh daily and homemade breakfast sandwiches made of cheese, sausage and egg nestled inside his own kolache dough. “They’re wonderful,” he says. “I often have people come buy the entire batch.” Alderman wraps that same kolache dough around a Nathan’s kielbasa and calls it a Rafter Dog — also a customer favorite. But that’s not all. Rafter B sells a fried chicken sandwich and his wife’s homemade potato salad. The food is served year-round, but the patio is only open during the warmer months, when Alderman adds grilled hamburgers and hotdogs to his repertoire. Homemade Smoked Pork and Potato Salad from Rafter B Community Magazine 37 Best Thing He Ever Did Homemade pizza from Rafter B “Food is what keeps us in business,” Alderman says. “Not gas. His story is similar to Wardrop’s. Alderman moved to Wanship about 20 years ago to avoid commuting to Park City where he was working at the time. “Moving here changed my boys’ lives,” he says. “It was the best thing we ever did for them. They went from troubled kids to honor students at North Summit High, a small 2A school.” He describes Wanship as a very quaint, rural town where everyone knows each other. “You know who’s walking into the gas station in the winter,” he says. “People move here because they’re tired of the big-city lifestyle. They have a chance at a simpler life.” Again echoing Wardrop, Alderman’s family enjoys living so close to Rockport Reservoir. “We call it the old folks’ home,” he says with a smile. “You can fish and camp in peace, and it’s not torn up by jet skis. It’s a quiet place to recreate.” Rail Trail, Museum and Distillery Union Pacific Rail Trail 38 March/April 2016 Other Wanship highlights include the Union Pacific Rail Trail running through town, a rock-filled cemetery, and the High West Distillery, restaurant and general store (highwest.com). Undoubtedly the most unique spot in town is an 1850s crumbling house, barn and sheds surrounded by a mesmerizing collection of detritus or treasures, depending on your point of view. Most of it is Western and farm-related, some of it 100 years and older. There are stagecoaches, plows, graders, seeders, harrows and a potato digger — all horse-drawn back in their heyday. Incredible Timberframe Home Unique Cattle and Equestrian Ranch 331 Acre Estate Surrounded by Forest Land 1886 S Geneva Road, Orem 9 BD | 20 BA | 21,998 SF | $19,500,000 2405 Lower Boulder Road, Boulder 6 BD | 6 BA | 6,000 SF | 570 AC | $10,000,000 3888 W Seymour Road, Midway 7 BD | 9 BA | 10,459 SF | $9,350,000 KERRY OMAN 801.369.2507 KATHY MEARS 435.901.9964 MICHELLE EASTMAN 435.640.6597 BILL LIGETY 435.647.6700 Mountain Contemporary Masterpiece Timeless Timberframe Ski Home Park City Epic Lodge 21 Canyon Court, Park City 6 BD | 9 BA | 9,890 SF | $8,595,000 125 White Pine Canyon Road, Park City 5 BD | 7 BA | 6,056 SF | $5,795,000 1469 Woodside Avenue, Park City 10 BD | 10 BA | 7,050 SF | $3,900,000 BRIGID FLINT 435.640.9873 MICHELLE EASTMAN 435.640.6597 RUTH DRAPKIN 435.640.2604 BRIGID FLINT 435.640.9873 MICHELLE EASTMAN 435.640.6597 This is What Sundance is All About Distinctive Mountain Estate Epitome of Luxury Near Snowbasin 8417 Stewart Road, Sundance 5 BD | 6 BA | 6,900 SF | $3,900,000 2640 Cody Trail, Park City 5 BD | 8 BA | 8,481 SF | $3,499,995 6639 Chapparal Road, Huntsville 5 BD | 8 BA | 9,737 SF | $2,900,000 KERRY OMAN 801.369.2507 COLLEEN GILLIS 435.640.0604 MARCIE DAVIS 435.602.9577 LISA KARAM 801.791.8801 V i e w a l l o u r p r o p e r t i e s a t s u m m i t s o t h e b y s r e a l t y. c o m © MMXVI Sotheby’s International Realty Affiliates LLC. All Rights Reserved. Sotheby’s International Realty® is a licensed trademark to Sotheby’s International Realty Affiliates LLC. Equal Housing Opportunity. Each Office is Independently Owned & Operated. Information deemed reliable, but not guaranteed. Square footage is an estimate only. Find Your Next Home at SummitSothebysRealty.com Fabulous Contemporary Home Private Estate in Gated Community Exquisite Design with Downtown Views 1406 E Perrys Hollow Road, Salt Lake City 5 BD | 3 BA | 8,100 SF | $2,800,000 6190 S Murdoch Woods Place, Holladay 7 BD | 7 BA | 10,348 SF | $2,250,000 99 W South Temple #606, Salt Lake City 3 BD | 2 BA | 2,256 SF | $1,800,000 LEE WHITE 801.699.0559 THOMAS WRIGHT 801.652.5700 SUSAN POULIN 801.244.5766 DEBY BAUER 435.862.1681 Sophisticated Mountain Contemporary Rare Old Orchard Estate Home Great Value in Federal Heights 3240 Broken Spear Trail, Heber 4 BD | 6 BA | 4,573 SF | $1,750,000 1387 North 430 East, Orem 8 BD | 7 BA | 9,700 SF | $1,550,000 1661 Federal Heights Drive, Salt Lake City 8 BD | 6 BA | 6,447 SF | $849,900 RUTH DRAPKIN 435.640.2604 KERRY OMAN 801.369.2507 LAURI DAVEY 801.541.5428 Spring Creek in Holladay Total Perfection on Private Lane Foxpoint Townhome with Expansive Views 2940 Mt Springs Road, Holladay 6 BD | 4 BA | 0.73 Acre | $725,000 3368 South 1940 East, Salt Lake City 4 BD | 4 BA | 3,600 SF | $598,000 1513 Redstone Avenue #B-2, Park City 2 BD | 3 BA | 1,447 SF | $535,000 MARGARET SARGENT 801.560.7650 CAROLYN KIRKHAM 801.450.0800 HEIDI INGHAM 434.901.9330 V i e w a l l o u r p r o p e r t i e s a t s u m m i t s o t h e b y s r e a l t y. c o m © MMXVI Sotheby’s International Realty Affiliates LLC. All Rights Reserved. Sotheby’s International Realty® is a licensed trademark to Sotheby’s International Realty Affiliates LLC. Equal Housing Opportunity. Each Office is Independently Owned & Operated. Information deemed reliable, but not guaranteed. Square footage is an estimate only. WE HAVE THE WHOLE MARKET COVERED 1 Is it the right time to buy or sell? Work with top producing agents that know your market. Liberty Wells | SOLD 1 637 Browning Avenue | $315,000* Page Juliano St. Mary’s | SOLD 2 3 2 1036 Oak Hills Way | $619,000* Page Juliano Sugarhouse | SALE PENDING 3 1372 Logan Avenue | $499,000* Debbie Nisson 4 5 Federal Heights | SOLD 4 1422 Millitary Way | $3,500,000* Debbie Nisson Sandy | SOLD 5 3855 Alta Approach | $1,600,000* Heidi Ingham 6 Page Juliano Realtor® 801.671.9761 page.juliano@gmail.com Federal Heights | SOLD 6 Debbie Nisson Realtor ® 801.739.5179 debbie@debbienisson.com Heidi Ingham Associate Broker 1565 Arlington Drive | $1,025,000* Heidi Ingham *List Prices Shown 801.243.0950 heidi@heidiingham.com ©MMXVI Sotheby’s International Realty Affiliates LLC. All Rights Reserved. Sotheby’s International Realty® is a licensed trademark to Sotheby’s International Realty Affiliates LLC. Equal Housing Opportunity. Each Office Independently Owned & Operated. KEEPING UP WITH THE TIMES ROCKPORT STATE PARK Download the Zions Bank Community iPad app to see video of this scene. Jetpack boots and jet skis On an overcast day in November, Utah’s Rockport Reservoir is bereft of any visible signs of life. No boats mar its surface and ice fishermen have yet to drill through its stillunfrozen crust. Its pristine isolation is calming and beautiful. Two months earlier, Rockport State Park (stateparks.utah.gov/parks/rockport/) was a happening place dotted with boats, water-skiers, fishermen, paddle boarders and kids on jetpack water rockets, and campers filled its five campgrounds. But it’s never too happening, says Park Manager Joe Donnell. “We’re busy, but not crazy busy like Deer Creek and Jordanelle that get hammered on the weekends because they’re so much bigger,” he says. By Gail Newbold Photos by Kevin Kiernan Community Magazine 43 44 March/April 2016 Flyfishing at Wanship Dam Forced to Innovate Stand-up paddleboarding at Rockport Boating at Rockport Rockport is located about 45 minutes east of Salt Lake City on Interstate 80 and then five miles southeast on State Road 32 just past Wanship. Named for the rock fort built to protect settlers from Indian uprisings, the area was colonized in 1860. In the mid-1950s, Wanship Dam was built, creating the three-mile long Rockport Reservoir that opened to the public as a state park in 1966. Donnell has worked at the park for 21 years, starting out as a park ranger. “When I got here in 1994, things were pretty rundown,” he remembers. “The campgrounds were out of date, so in 1995 and 1998 we renovated all the facilities, and modern restrooms were built.” With cuts in funding for state parks, Donnell and his crew are innovating in order to maintain a steady stream of paying customers — approximately 300,000 per year. “We now run state parks like a business, not a government agency,” Donnell says. “We’ve added new campsites, boating campsites, a nice hiking trail and a 3D archery range, and then cabins will be built this spring. We’re thinking outside the box.” Community Magazine 45 The Old Church Another moneymaker for the state park is The Old Chuch, built in 1892 and renovated in 2005. The simple white frame building located just below the dam is filled with wooden pews and natural light. “It’s gorgeous inside, ”Donnell says, “and a beautiful atmosphere for a wedding or any function really. It costs $450 to rent it and that includes the surrounding campsite.” It used to be located where the reservoir now sits but was moved before the flooding took place. 46 March/April 2016 Yurt rental at Rockport Be Part of a Larger Community. Zions Bank Community Magazine is now available to download as an iPad app. Now you can enjoy even more content — videos, additional photography, audio interviews and links to external bonus content. ZIONS BANK To get more of Community Magazine go to the iTunes Store and search for Zions Bank Community Magazine. BANK app. Then download theZIONS FREE community TRAVEL – HEALTH – FOOD – FINANCE community community Look for this icon TRAVEL – HEALTH – FOOD – FINANCE ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE community ZIONS BANK Yurt campsite at Rockport Bird watching and kayaking at Rockport Wildlife at Rockport Rockport Dam Jam Every August, crowds converge on the park for the annual Rockport Dam Jam, which is essentially a threeday bluegrass jam session. This August will be its 23rd year. “It’s really fun and really inexpensive,” he says. Ever the park’s booster, Donnell encourages people to come year-round. “Winter is actually a great time to come,” he says. “We’re known for our ice fishing, cross country skiing and ice skating. One of my wife’s favorite things to do is skate the entire reservoir. It’s fabulous. The park is gorgeous in the winter and there’s tons of wildlife.” There’s even an ice fishing contest with sportsrelated prizes, and the Juniper Campground is open all winter (offering electrical hookups for RVs). 48 March/April 2016 Strings 50 March/April 2016 Weiser Hosts Granddaddy of All Fiddle Contests Attached For 10 days in June, the population of small town Weiser, Idaho, triples as thousands of musicians from across the U.S. join in a tradition that dates back to America’s first immigrants: fiddle playing. Considered the granddaddy of all fiddle contests, the National Oldtime Fiddlers’ Contest and Festival began in Weiser in 1953. To locals, it is simply known as Fiddle Week. Contestants ages 3 to 90 compete in dozens of fiddle competitions, spending their downtime jamming in nearby campgrounds. By Amelia Nielson-Stowell Photos by kevin Kiernan Community Magazine 51 It’s a Woodstock-esque, family friendly atmosphere that attracts the best fiddle players in the country. “People bring such an enthusiasm when they come to the event — and they take away such joy,” says Sandy Cooper, executive and festival director. “We live in such a fast-paced, throw-away, instant society — anything that has roots or gives people that sense of heritage or tradition is important and being sought out. Preserving this part of our heritage is really important, and it’s nice to know it’s still vital in today’s world.” Local Favorite Fiddle Week is a community-wide effort. Hundreds of locals volunteers at the contest and festival events, while civic and church groups serve meals to festivalgoers. “Everyone rolls out the red carpet for these people. The town has really grabbed ahold of it,” Cooper says. Competitions and workshops center at the local high school, while there are free live performances at Bluegrass Village City Park. Vendor booths, a parade and a carnival are a part of the festival events. A highlight for Cooper is taking crowd shots during the performances. Whether it’s a Grammy winner onstage or a first-time performer, “people are just mesmerized,” he says. “Seeing those big old goofy grins on everyone’s faces, that’s my favorite part.” 52 March/April 2016 Restaurant SLC – Layton – Ogden Pilgrimage to Idaho Fiddle Week is constantly on the mind of Georgia Rae Mussared, the 16-year-old powerhouse fiddle player behind the Georgia Rae Family Band from Richmond, Illinois. Mussared is the current Illinois and Minnesota state fiddle champion and won twin fiddle championships with her fiddle partner Shawn Drake in Colorado and Minnesota. She has been compared to Alison Krauss, the bluegrass-country musician who was also a former Illinois state fiddle champ. The band, which includes Georgia Rae and her sisters — lead singer Kelly Jo, 19, and multi-instrumentalist Quin, 14 — and their guitar-playing mom, Roni, has won the Battle of the Bands at the National Oldtime Fiddlers’ Contest for two years in a row. Mussared and Drake won third place in the twin fiddle competition last year, and Mussared is slowly climbing up the ranks in her solo open division — she placed 14th last year, up from 17th place the year prior. Georgia Rae Family Band Download the Zions Bank Community iPad app to see video of the Georgia Rae Family Band and the mechanical bull riding dog. Contestants jamming in the halls of Weiser High School between contest times at the National Oldtime Fiddlers’ Contest Mechanical bull riding dog at the festival Stickerviille 54 March/April 2016 UTAH’S BEST-KEPT SECRET IN COMPUTER SCIENCE EDUCATION 97 % EMPLOYERS THAT HAVE HIRED OUR GRADS: OF OUR GRADUATES ARE EMPLOYED WITHIN 6 MONTHS OF GRADUATION1 143 SOUTH MAIN STREET BACHELOR’S DEGREE IN 3YEARS NATIONALLY RECOGNIZED: GET IN, GET OUT, GET PAID. NO WASTED TIME. SALT LAKE CITY, UTAH 84111 W W W.NEUMONT.EDU 801-302-2800 1. Employment statistic is calculated using data from the 2010-2013 Neumont University graduates. Neumont verifies employment by employers in writing. Neumont does not guarantee employment for future graduates. Unique Blend of Styles “Weiser is a really big motivation for me,” says Mussared, who practices the fiddle four to six hours a day. “I’m right there up against the really great fiddle players, the best that there is, and I know I have to practice every single day because I want to be as good as them one day.” The band’s style is Americana. It incorporates a variety of American musical styles, like bluegrass, punk and swing. That unique blend, the innovation in style — from country to rock ‘n’ roll to jazz and every genre in between — is what makes Fiddle Week so unique, Cooper notes. The annual pilgrimage from Illinois to Idaho is a roughly 1,700-mile road trip for the Georgia Rae Family Band. Once in Weiser, the family camps alongside the other musicians enjoying impromptu jams in their free time. Mussared says the jams are not only a highlight, but also a mentorship opportunity where champions teach newbies, and all ages and abilities play together. “I have never learned so much in one week,” Mussared says. “Weiser is where I’ve had the best jams of my life. We don’t even have to talk, we just connect through music. It’s the best jamming, and it’s the best feeling. I’ve made friends there that I will talk to for the rest of my life.” Playing in the park Contestants performing at the National Oldtime Fiddlers’ Contest 56 March/April 2016 Follow us for specials, recipes and inspiration. LOSE THE CORDON BLUES! Change the flavor of your next event with fresh, delicious, handcrafted Indian food. Setting up is a snap! We will bring you everything you need to serve as few as ten, or over a hundred guests—from serving utensils and disposables to nametags for the menu items. Call 801-509-1205 or email info@eastindiapantry.com. Salt Lake City- 26, E Street, 801-203-3325 South Jordan- 1098 W South Jordan Pkwy , 801-438-4823 www.saffronvalley.com Jamming in Stickerville Mussared’s experience in “Stickerville” is just what its founder Jinx Davis dreamed of when he first found himself hunting for a camping spot in a sticker-laden field in Weiser years ago (hence the name). By 1989, fellow camper Jim Matheson eventually built a large, shaded awning under which he placed chairs and cold drinks. He welcomed everyone, and it’s still the heart of Stickerville today. Stickervillagers call it Jimmy’s Las Vegas or the Big Top. There are only 65 motel rooms in the Weiser area, so most festivalgoers pitch tents or bring their RVs. Stickerville is one of five campgrounds in a quarter-mile radius of Weiser. Fifteen years ago, Davis, Matheson and other campers pooled their money to buy the land so they’d always have a camping spot during Fiddle Week. The community joined together to build temporary dishwashing stations and shower facilities. Ironically, the awning has become so popular that Matheson himself rarely uses it. But he’s there for the 24/7 jamming. “A jam session there at Weiser is an organic thing. It lives and breathes and increases and decreases in size,” he says. “Why do I keep doing this? Because it only gets better. It’s an inspiration to me as a musician. And it has changed my life forever.” The 2016 National Oldtime Fiddlers’ Contest is June 20-25. Campground festivities open June 15 and the banjo contest is June 18 and 19. For more information, visit fiddlecontest.org. 58 March/April 2016 Jamming in Stickerville Jim Matheson (far right) and some friends jamming in Stickerville RN to BSN Today’s healthcare environment is more complex than ever, and many nurses who want to further their career in healthcare are discovering that employers prefer those with a Bachelor of Science in Nursing (BSN). If you currently have an RN and want to get your BSN, Roseman’s new RN to BSN program can help you achieve your educational goals while you continue to work as a nurse. Our unique Mastery Learning Model incorporates team learning, leadership, communication, and projects to enhance your previous clinical experience over the course of the 35-week curriculum. The faculty have a wide range of experience in clinical, educational and professional settings. APPLY TODAY 35-WEEK RN TO BSN PROGRAM NO WAIT LIST – CLASSES BEGIN 3 TIMES A YEAR ACEN ACCREDITATION SUBMITTED, PENDING REVIEW UNIVERSITY IS REGIONALLY ACCREDITED FOCUSED THEORETICAL CONTENT FROM FACULTY WITH REAL-WORLD EXPERIENCE roseman.edu/RNtoBSN 801.878.1063 | bsnadmissions@roseman.edu Federal financial aid available for eligible students. Decorative sculptures at The Shops at Riverwoods Blickenstaff’s Fun for Everyone Mountain Town Olive Oil 60 March/April 2016 PROVO’S RIVERWOODS REINVENTED Banana Split from Ike’s Creamery at Provo Beach Resort LIFESTYLE SHOPPING CENTER Provo Beach Resort On a sunny spring day at Provo’s Shops at Riverwoods, parents sit on benches chatting while their kids play on the car-free cobblestone streets. Summertime draws children to the splash pad, and at any time of the year, diners enjoy some of the area’s best restaurants. In the fall, thousands of community members flock to the three-day Chalk the Block art festival. And in the wintertime, warming stations and fire features keep shoppers cozy and add a festive feel to the jawdropping Christmas light display. By Natalie Hollingshead Photos by Kevin Kiernan Community Magazine 61 No matter the season, the Shops at Riverwoods appears to be a happening place. It’s hard to believe there was a time when doors were closing and customers were sparse. Just seven years ago, the outdoor mall was in receivership. Then in 2009, local investor group Tigriswoods LLC bought the mall and transformed it into the buzzing community hub it is today. Talking Shop Built in 1998, Riverwoods was a popular shopping destination for nearly a decade until the recession hit and kept shoppers away. Major retail tenants including Copeland Sports, Buckle, and Abercrombie & Fitch pulled out. The shopping center was at less than half of its occupancy when Tigriswoods purchased the property, says JJ Haering, director of leasing at the Shops at Riverwoods. The local investor group renovated immediately, removing thru-streets and adding cobblestone pavers to turn the mall into a pedestrian-friendly walking center. A large stage was built for concerts and activities, and water and fire features were added to enhance the sophisticated, European feel of the mall, says McKell Law, marketing director and events coordinator for the Shops at Riverwoods. Instead of enticing customers to the mall strictly to shop for clothes and shoes, the Shops at Riverwoods aims to be a lifestyle shopping center with everything a customer might need. “We try to keep our retail mix all-encompassing so people can come down for all the different facets of their life,” Haering says. “We have a yoga studio, workout facilities, and places you can dine for lunch or for dinner. If you’re going out for a date night, we have Provo Beach Resort for entertainment. We want people to feel like if they have something they want or need to do in their life, at any time they can come down and find it at the Riverwoods.” Pebbles and Twigs 62 March/April 2016 Provo Beach Resort Blickenstaff’s Marley’s Gourmet Sliders Community Magazine 63 Mountain Town Olive Oil Adding to the Mix Shops at Riverwoods is known for its one-of-a-kind retailers, like Soel Boutique, Blickenstaffs toy store and Mountain Town Olive Oil, as well as restaurants like Happy Sumo and Tucanos that started at Riverwoods and now have three locations in Utah and nine locations nationwide, respectively. There are national anchors, too, like Williams-Sonoma and Bath & Body Works. “We have a pretty good mix of everything,” Haering says. With signed leases, the mall has 35 operating storefronts and 94 percent occupancy. Mountain Town Olive Oil A Community Affair One of the goals for the Shops at Riverwoods is to be a safe and beautiful gathering place for the community. “One of the big reasons that our ownership bought the shopping center was they are from the Provo-Orem area and so they wanted to have a place where people could come and be together,” Haering says. To that end, they host five annual community events that benefit local charities: Fire & Ice in February, Freedom Festival Beach Part in June, Chalk the Block in September, Pumpkin Parade in October, and Lighting the Riverwoods in November. The three-day Chalk the Block chalk art festival is the most popular and draws some 15,000 people, Law says. “We’re getting more people down on a daily basis and more people to come down for our events,” Haering says. “We feel really good with the direction we’re going.” 64 March/April 2016 Pebbles and Twigs 736 West 300 South Salt Lake City, UT 84104 Enter Off 400 South www.krbeds.com 801-364-2128 M- F 9:00AM - 5:00 PM Sat 10:00AM - 2:00PM We Made Too Much! complete Bedding Sets Staring At $899.00 Suzani King Duvet Set Courtney King Duvet Set Mia King Duvet Set 152 East Winchester, Murray, Utah 801.266.4747 jbrooksjewelers.com UTAH SYMPHONY CELEBRATES 75 YEARS CARNEGIE HALL PERFORMANCE A HIGHLIGHT Abravanel Hall Founded in 1940, the Utah Symphony is celebrating its 75th anniversary throughout the 2015-16 season with a year’s worth of unique community and arts collaborations, culminating in a performance at the prestigious Carnegie Hall in New York City on April 29. The engagement is especially symbolic because the Utah Symphony opened Carnegie Hall’s own 75th anniversary performance and it will be the orchestra’s first time back since 1975. By Farrah Lamoreaux Photos courtesy of Utah Symphony Community Magazine 67 Patricia A. Richards, the orchestra’s interim president and CEO, who’s been part of the symphony organization in one capacity or another for the past 40 years, credits the state of Utah with a large part of the orchestra’s success. “It’s a great credit to Utah that it’s able to support one of only 15 full-time orchestras in the nation,” she says. Abravanel’s Legacy She also gives a large nod to Maurice Abravanel, the symphony’s music director for 35 years. “He had such a terrific vision,” Richards says. “Here we are out in the middle of the country, far from either coast, and he was able to build a top-tier orchestra in Utah. Not only that, he arranged for us to record and tour regularly to ensure that our visibility and reputation would extend beyond the state.” It’s likely that Abravanel would be proud of the symphony’s upcoming performance at Carnegie Hall, an engagement two years in the making. “It’s tremendously important to show off what Utah has to offer and, in America, a performance at Carnegie Hall is the best way to do that,” Richards says. Utah Symphony Photo courtesy of Deseret News Maurice Abravanel Photo courtesy of Deseret News 68 March/April 2016 Utah Symphony Music Director Thierry Fischer Community Support Critical Staying Current The evening’s program will include Andrew Norman’s commission “Switch,” featuring percussionist Colin Currie and one of three commissions written by American composers especially for the Utah Symphony to perform in their 2015-16 calendar year. The new commissions, which also include Augusta Read Thomas’ “EOS: A Ballet for Orchestra” and Nico Muhly’s “Control (Five Landscapes for Orchestra),” have been in the works for nearly three years. “It’s very important for us to not just be a museum for time-honored classics,” Richards says. “While music written in the past is certainly important to our culture, we also are very focused on pushing the field forward and are dedicated to supporting new commissions. Creativity and innovation are key factors in our mission.” As anyone who’s traveled to New York City can imagine, bringing the entire orchestra to Carnegie Hall isn’t inexpensive, nor is keeping the orchestra up and running on a regular basis. Richards again credits the community for its support. “Ticket sales only account for about 25 percent of our total revenue,” Richards says. “About 45 percent of our entire budget comes from donations. It requires a tremendous amount of support and love from many in the community to keep us going.” However, if the choice is between simply writing a donation check or buying tickets, Richards encourages people to actually attend. “The ultimate level of support you can offer us is to just be there and experience it; it’s so meaningful to the musicians. If you haven’t been yet, this is the year to sample it and see how fabulous this orchestra really is. It will be well worth your while to take a chance, come downtown and hear the symphony play. I guarantee that if you do, you’ll be back again.” For more information about upcoming performances and to buy tickets, visit utahsymphony.org. Community Magazine 69 WOMEN EMPOWERING 70 March/April 2016 Zions Bank Awards Smart Women Grants WOMEN When Katie Bunnell suddenly lost her husband in 2005, she became a single mother with a 3-month-old baby. Picking up the pieces of her life, she chose to return to school to support herself and her daughter. As Bunnell completed her degree at Utah Valley University in Orem, she experienced firsthand the difficulty of being a single mother who juggled education and parenthood alone. With a growing desire to help other single mothers, Bunnell, along with her family, founded the Live Your Dream Foundation to provide scholarships to single mothers in Utah working to further their education. By Britnee Johnston and Nicola McIntosh Community Magazine 71 “These women are making extraordinary efforts to provide valuable services and support to women in their communities. We’re so impressed with the drive and selflessness of this year’s recipients.” Bunnell is one of six women to receive a Zions Bank 2015 Smart Women Grant, a $3,000 award for efforts promoting the empowerment of women or directly benefitting women of low-income and underserved populations. Since 2004, the Smart Women Grant program by Zions Bank has awarded 76 microgrants totaling more than $217,000 to organizations making a difference in Utah and Idaho. “These women are making extraordinary efforts to provide valuable services and support to women in their communities,” says Lori Chillingworth, Zions Bank’s executive vice president of Small Business Banking. “We’re so impressed with the drive and selflessness of this year’s recipients and look forward to seeing them continue to make a difference through their endeavors.” The 2015 winners were chosen from 85 applicants who underwent an extensive application process. Each of these Smart Women recipients is making a difference through their service in one of six grant categories: Live Your Dream Foundation Continuing Education Since 2010, the Live Your Dream Foundation has provided 30 scholarships totaling $45,000 to support education for single mothers attending college. Serving as the foundation’s president, Bunnell plans on using the $3,000 grant she received to provide three scholarships to single mothers. “Each of the single mothers we’ve helped is working hard to further their education in order to give their family more opportunities,” Bunnell says. “It’s been rewarding to help other moms fulfill their dreams of a better future.” Single mothers from all walks of life have seen a glimmer of hope through the Live Your Dream Foundation, including a mom who completed her law degree, another who overcame her substance abuse addiction to attend college and a mother of five children returning to school after a divorce. Cache County Attorney’s Office Victim Services Health and Human Services Terryl Warner, director of victim services in the Cache County Attorney’s Office, and her team of advocates assist victims through the criminal court process. The team of advocates based in Logan, Utah, includes Joan Liquin and Jenny Nielsen, who ensure that victims are kept informed, remain free from harassment and are treated respectfully. “We make sure that the victims’ voices are heard, that restitution is requested and that they are given the tools 72 March/April 2016 they need to leave a bad situation,” Warner says. “We also keep them aware of what’s going on in the criminal case and prepare them for testifying in court for a preliminary hearing, at trial or in a sentencing.” Approximately 75 percent of victims they help are females and children in cases such as domestic violence, sexual assault or child abuse. The advocates plan on using the $3,000 grant to provide more resources to support female victims. Boot Camp Strong Small Business Pamila Balls of Boot Camp Strong is a business owner and personal trainer in Taylorsville, Utah. She motivates her clients to become physically fit through exercise, eating a balanced diet and improving their overall lifestyle. Through Boot Camp Strong, she helps women strengthen their body and feel confident and empowered in life. Balls began her journey 10 years ago when she joined a fitness class and discovered the benefits of exercise and a healthy weight. She found that when she improved physically, she felt better mentally and emotionally. She started Boot Camp Strong in 2008 as a way for women to realize their potential, strength and value. The program began with 10 participants and has now grown to more than 50 participants for each session. “My foremost mission is to help the women I serve to not only become stronger in their body but also in all aspects of their life and feel beautiful and valued in everything they do,” Balls says. “Whenever we can overcome the weaknesses in our body, we strengthen the mind and emotions of ourselves as well.” Balls plans to use the grant to purchase equipment such as a deep muscle stimulator that will help her clients be less prone to injuries and have better stamina during workouts. County of Bingham School District Arts and Culture Kathy Malm plans to use her Smart Women Grant to bring the ancient art of storytelling to the Shoshoni and Bannock Native American students at Fort Hall Elementary School to educate them about their culture. Under her plan, professional storyteller Dr. Layne Gneiting will travel from Mesa, Arizona, to Idaho for a week to teach students how to create and tell their own stories and to show faculty how they can use storytelling to enhance learning. “Hearing storytelling develops short-term memory connections in the brain and retelling it moves information to the long-term memory,” Malm says. “Storytelling is very much part of the children’s culture and will help them in remembering details longer and more accurately.” Malm is planning the project during November’s Native American Heritage Month and plans to share Gneiting’s presentations with sister school Stalker Elementary. “I feel this grant will advance the development of our work as educators by enthusing the students in their learning, enthusing the teachers in their teaching, and developing skill levels in public speaking and language arts,” Malm says. Community Magazine 73 To see videos about some grant winners, download the Zions Bank Community iPad app. ARCH Community Housing Trust Community Development ARCH Community Housing Trust is dedicated to finding affordable housing solutions in a resort community. The Blaine County, Idaho, nonprofit developer focuses on providing housing for households earning 80 percent or less of area median income. To date, ARCH has provided affordable housing for more than 50 individuals, 85 percent of which were women and children — all low-income and many female-headed households. The organization employs an innovative approach through its Homes on the Move program, taking houses slated for demolition, relocating and renovating them, and creating affordable rental or ownership properties. The Smart Women Grant will be used to defray permit fees as part of a larger project to develop two townhomes. “It is widely documented that women typically earn less than their male counterparts, which puts additional pressure on female-headed households,” says ARCH Executive Director Michelle Griffith. “Since housing often represents the largest portion of households’ financial expenditures, affordable housing goes a long way toward relieving the financial pressures faced by low-income households.” Outdoor Exchange Small Business Startup and Expansion World traveler and outdoor enthusiast Tracy Crites and her husband, Jason, founded Outdoor Exchange consignment store in 2012 to promote an active lifestyle at a more affordable price for youth and adults. The Boise shop sells and consigns gear and clothing for a variety of pursuits, including biking, hiking, skiing, climbing, camping and kayaking. “Due to the demands of our current culture and economy, families are finding it increasingly difficult to spend quality time together,” Crites says. “I think many young parents today are choosing to raise their children in healthy, active communities but are often limited financially on the activities they can engage in.” Outdoor Exchange plans to deploy its $3,000 grant to promote women and children’s active lifestyle and education. That includes the purchase of snowshoe demo equipment to be used free of charge, as well as events at the shop such as Hot Wax and Wine (a ski wax and tune-up clinic) and the Women on Wheels Bike Forum and Fashion Show. 74 March/April 2016 “I think many young parents today are choosing to raise their children in healthy, active communities but are often limited financially on the activities they can engage in.” NO. 1 SMALL BUSINESS LENDER As a business owner, you’re smart. You’re savvy. And when the time comes for an SBA loan*, you’re going with the leader -- Zions Bank. When you’re ready for a small business loan, we’re here to provide you with resources and expertise to take your company to the next level. It’s what has made us the No. 1 lender for U.S. Small Business Administration 7(a) loans in Utah for the past 20 years and inIdaho’s Boise District for the past 12 years - and counting. We’re passionate about helping you succeed in business. BECAUSE IT’S NOT JUST BUSINESS, IT’S PERSONAL. Loans subject to credit approval. Restrictions apply. NMLS# 467014 A division of ZB, N.A. Member FDIC. Equal Housing Lender Tim Allred Roots in the Cowboy State Raised in Afton, Wyoming, Allred first worked at a car dealership in Salt Lake City in the 1990s. A young newlywed supporting a growing family and attending college, Allred received an offer to return to Star Valley as the general manager of a Chevrolet dealership in Evanston. He was 23, with two kids. “I didn’t know what I was doing,” but had partners who did, Allred says laughing. They jointly purchased the dealership, and Allred became a business owner. Over the years, partners have come and gone as Castle Rock continues to grow. Allred credits one of his best business decisions to partnering with Mike Call, the CEO of Maverik Convenience Stores. A fellow Star Valley boy, Call is Allred’s mentor. Call knows how to operate business on a large scale — Maverik has burgeoned into more than 300 locations — and helped Allred expand into a multipoint dealership. Castle Rock now has dealerships in Afton, Alpine and, most recently, Pinedale and Jackson Hole. People First, Cars Second The civically-active Allred serves as chair of the Lincoln County Education Foundation, which raises scholarships for students in the Teton, Lincoln and Sublette counties. “We are in the people business first and the car business second,” Allred says. “Customer relations and the customer experience are a primary focus of ours.” Castle Rock employs a staff of less than 100. It aims to attract top talent, homegrown technicians and promote leadership opportunities from within. This is easy in Wyoming, Allred notes, where good people come to live and play. And the state’s economy is a dream for businesses — “we’re one of the most fiscally sound states in the union right now.” Moving Into Jackson Rightsize Instead of Downsize Though the Great Recession could have shuttered Castle Rock car dealership in the late 2000s, owner Tim Allred decided to rightsize instead of downsize. “We lost very few employees during the recession. We did more with less,” Allred explains. “We can’t just focus on challenges, but opportunities as well. It’s a two-sided coin.” By Amelia Nielson-Stowell Photo by Kevin Kiernan 76 March/April 2016 It’s a philosophy that got the Dodge, Chrysler, Jeep and Ram franchise through one of the toughest economic periods America has seen in decades, and a business lesson that helped the dealership grow to four locations in Wyoming. Jackson Hole was an especially exciting market to enter. The land-locked ski town is surrounded by national forest, so commercial ground is scarce and property values high. The same year Castle Rock opened the Pinedale and Jackson locations (purchased from former Wolf Auto Group), Castle Rock moved the Jackson dealership south of town to the former Enclosure Climbing Gym and metalworking business Wedco. The large indoor gym provides a perfect showroom space in a cold-weather market. Residents have been supportive. “In Jackson, in Teton County in particular, everyone who lives there seems to own a business. They’re so entrepreneurial, so vibrant,” Allred says. “We do business with each other and create our own economies and try to support each other.” Jeeps are a current best-seller in Jackson Hole, a brand Allred says is catching fire in the Rocky Mountains because of the wide demographic of drivers it attracts. Future expansions are in the works for the dealership. Marcia Liebich Eastern Roots Liebich grew up in Troy, New York. Her husband’s business success with Sysco in Albany allowed Marcia and Don to retire early in life and use their financial stability to help others. It also provides the Liebichs the luxury of living close to their two sons and six grandkids in Boise, Idaho. That’s why they moved to Idaho 14 years ago. The Liebichs call Hailey, Idaho, home but also keep a townhouse in Boise so they have a place to stay when attending family events. Their grandkids count on them to be on the sidelines for soccer games, fencing matches and cross-country meets. “We want to be a part of what our kids and grandkids are doing,” Liebich says. “Family is really my priority. It’s just a delight. They keep us young. It’s great to be part of their lives.” Liebich is also a well-seasoned board game player because of her grandkids, but that’s not listed on her resume of accomplishments, which includes leadership roles with nonprofits and awards for her volunteer efforts. Western Life Community Connector The beauty of Marcia Liebich’s giving is in the way she does it. No fanfare leading to it. No check waving during it. No back patting expected when it’s done. She and her husband Don gracefully share their wealth with the world through causes from a garden for girls in the Middle East to the Girls on the Run nonprofit running club in Idaho’s Wood River Valley. “I do think we have to make our surroundings better,” she says. By Kris Millgate Photo courtesy of Marcia Liebich 78 March/April 2016 Her philanthropic achievements over half a century show that the East Coast native’s move West didn’t change her giving nature. She quickly found people to help in a region that was new to her. Liebich is one of the founding members and past president of the Wood River Women’s Foundation (www. woodriverwomensfoundation.org). The foundation’s 283 members in Blaine County have funded charitable causes worth more than $1.5 million over 10 years. They’ve improved public libraries, school labs and daily life for many. Member efforts accomplish two things Liebich is proud of: They encourage collaboration among nonprofits and educate members about community needs. “I think giving back to the community that I live in and the ability to meet other like-minded women concerned about our community is rewarding,” she says. “One of the reasons we’ve been so successful is we have a lot of second-home owners who really have found it’s a great way to connect to the community and with each other.” Community Outreach Liebich strives to be the community leader making a difference for the generations to come. She learned early on in life the value of giving, and she’s built her years around philanthropy in a way worth emulating. “When I was a really young woman, I heard an older woman speak who said we all want to keep our children home until they’re 21, but we can’t do that,” Liebich says. “Our children are out in the world so we have to do all we can to make that world better.” NATIONAL CONFERENCE July 14 –17, 2016 Salt Palace Convention Center Salt Lake City, Utah A conference where animal lovers from across the country connect, inspire and create positive change to help Save Them All. ® bestfriends.org/conference A&R Corporation Rosemarie Boling Photo by Kevin Kiernan Rosemarie Boling wasn’t born in Idaho, but once she arrived in the Gem State some 30 years ago, she felt like she’d come home. And as the owner of A&R Corporation in Idaho Falls, she’s now contributing to the Idaho economy in a big way with her successful and growing company. Speaking on Business Hosted by Chris Redgrave See www.speakingonbusiness.com for radio listings. Download the Zions Bank Community iPad app to hear an audio version of the original radio spot. 80 March/April 2016 A&R Corporation focuses on custom-metal fabrication, crane services and agricultural equipment sales. Clients often come with a manufacturing need, and A&R creates a custom solution. Boling says there’s a lot of talent in-house, so the company can add an artistic touch to its fabrication work, which includes beautiful handrails, gates and stairways, among other projects. The agricultural industry is an important focus for this Idaho Falls company. As a millwright business, A&R designs and maintains grain storage facilities, as well as other types of agricultural storage. This includes installing and servicing the elevators to get the grain in and out of silos, a service not every company offers. The original company founders Alan Bloom and Ronald Williams, got the idea in the late ’70s to supply millwright services to Southeastern Idaho and officially launched their business in 1982. Boling wasn’t raised in the farm industry but fell in love with it after joining A&R as a manager. Later, when the owners retired, she bought the company and has been running it ever since. Boling says her company services many levels of business, from large industrial clients to local farmers. It’s a competitive industry so one of her goals is to raise the bar and have A&R be known for its quality work. A&R Corporation 515 W. 19th St. Idaho Falls, ID 83402 208-529-9190 arcorpidaho.com Utah’s Hogle Zoo African Savanna Photos courtesy of Hogle Zoo Did you know you can hear a lion’s roar up to 5 miles away? When you visit African Savanna, the newest exhibit at Utah’s Hogle Zoo, hopefully you’ll be lucky enough to hear a roar up close from one of the four new lions. Speaking on Business Hosted by Chris Redgrave See www.speakingonbusiness.com for radio listings. Download the Zions Bank Community iPad app to hear an audio version of the original radio spot and video about Hogle Zoo. 82 March/April 2016 According to Public Relations Manager Erica Hansen, Hogle Zoo didn’t have lions for close to 10 years before the exhibit opened in spring of 2014. Now visitors can see lion brothers Vulcan and Baron and lionesses Seyla and Nabu. The full pride will soon be on exhibit together, and if all goes as planned, there will be cubs. In addition to the African cats, the exhibit is also home to zebras, ostriches, guinea fowl and giraffes. You can learn interesting facts about lions, like how they have white under their eyes to help them see at night when hunting. African Savannah also features the popular Zoofari Express — a train ride that wraps around the savanna. From Twiga Terrace, visitors can enjoy a giraffe’s-eye view of the leggy animals. If it’s been awhile since you’ve been to Hogle Zoo, you may not recognize it. This Association-of-Zoosand-Parks-accredited zoo is taking full advantage of all 42 acres with new exhibits like Rocky Shores, which opened in 2012. Hogle Zoo is home to many senior animals, which speaks well of the great health care offered at the zoo. Guests enjoy getting to know the individual personalities of zoo residents like Cristie, the nearly 30-year-old African elephant with her thriving baby Zuri, who is now 6. You may think gorillas are big tough guys, but don’t let them fool you. Husani is a teenage gorilla who looks tough on the outside, but when nobody’s looking he likes to suck his thumb. The current superstar at the zoo is little 15-lb. Tuah, the newest member of the orangutan family. Treat yourself to a visit to Utah’s Hogle Zoo soon. Utah’s Hogle Zoo 2600 Sunnyside Ave. Salt Lake City, UT 84108 801-582-1631 hoglezoo.org WE’RE HIRING Come for a job. Stay for a career. Zions Bank is a premier financial insitution. For 140 years, our employees have been our most valuable resource representing all segments of the communities we serve and support. We offer professional development, many career path opportunities and rewarding benefits to all employees. For current opportunities, visit www.zionsbank.com and click on “careers.” For more information please contact Carly Sayer, Corporate Recruiter at 801-215-0036. A division of ZB, N.A. Member FDIC. EQUAL OPPORTUNITY EMPLOYER 5 WAYS TO IMPROVE YOUR FICO SCORE The five factors listed by importance, according to Fair Isaac are: 1. Payment History. This is the largest factor in a FICO score and very straightforward. Simply put, the biggest single influence on a FICO score is if consumers pay their bills on time. 2. Amount Owed. What does the consumer owe based on credit available? For example, if consumers have a credit card with a $1,000 available balance, the higher the balance the bigger negative impact that credit card will have on their FICO score. Many consumers have reported paying down a credit card that was more than 75 percent of their available credit to below 50 percent or 25 percent and seeing an increase in their FICO score. 3. Extent of Credit History. This is a look at the length of a consumer’s credit history. This favors consumers with long credit histories, especially with lines of credit that have been paid in a timely fashion for a considerable amount of time. “How do I improve my FICO score?” That is a question asked daily to mortgage bankers because a FICO score is one of the most important components of a mortgage loan. FICO scores, a term derived from “Fair Isaac Corporation,” are the credit scores most lenders use to determine your credit risk. A client’s FICO score impacts the loan-to-value type of loan and even the pricing of the loan in some cases. According to the Wall Street Journal and Fair Isaac, there are five components or factors that make up a FICO score. Understanding how each of them works can help a consumer manage her FICO score and ensure that she is getting the best deal available. By Jeremy Lowry Senior Vice President of Zions Home Mortgage 4. Diversity of credit. The FICO score is designed to reward people who have effectively managed diverse sources of credit. For example, they have successfully obtained and paid off automobiles, obtained and maintained timely payments on revolving lines of credit, and made timely payments on mortgages and other term loans, and so forth. 5. Recent credit applications. Each credit application can negatively impact a FICO score. A few credit pulls per year may not do a great deal of damage, but several credit pulls in a week or a month will negatively impact a consumer’s FICO score. Consumers should be judicious when allowing a business to pull their credit. FICO scores are designed to help a lender predict future credit risk by analyzing the past and present behavior of a consumer. Over the past eight to 10 years, there has been a great deal of information published about FICO scores and tools available to consumers to work to improve their FICO scores. As a result, the number of consumers who have FICO scores of more than 800 has increased from 17 percent in 2006 to more than 19 percent in 2014. Making payments on time, keeping revolving balances low in relation to available credit, establishing and maintaining credit for long periods of time, having a good diversity of credit, and limiting credit use puts a very good FICO score within everyone’s reach over time. Watch a video about ways to improve your credit score by downloading the Zions Bank Community iPad app. 84 March/April 2016 Owning a home is your dream. And that dream is different for everyone. Whether you’re buying a first home, building a second or simply adding a little more space, Zions Bank has money to lend. We offer a broad range of first purchase, construction and home equity loans at competitive rates. We’re also connected with local realtors to help find a home right for you. Visit our Home Mortgage and Real Estate professionals at your Zions Bank, or go to zionsbank.com to learn more. Loans subject to credit approval. Restrictions apply. NMLS# 467014 A division of ZB, N.A. Member FDIC. Equal Housing Lender 4 Resources Zions Provides for Family Owned Businesses Zions Bank recognizes the unique decisions and challenges that family owned businesses face and has a division specifically designated to be a resource for those owners. “We provide the essential services to families who are trying to build a legacy business,” says Garrett Barnes, senior vice president of Zions Family Business Services. Below are four areas where Zions Bank provides resources to assist family business owners. 1. Business startup and marketing development Not all family owned businesses take off immediately. The early years can be a period of slow growth. Zions has the resources to help family businesses through times of struggle, whether that means help developing marketing plans or crafting a business strategy or designing customer initiatives. Also, Zions Bank can help family businesses with expansion analysis. “We bring resources and experts to the table that teach and coach family business owners on how to build a business that will be sustainable and will grow,” Barnes says. 2. Financial records Because financial matters relating to a family owned business can affect an entire family and perhaps many generations, it’s vital that all recordkeeping is in order. Zions Bank educates family business owners on what records are essential and how they should be maintained. “It’s important to engage the bank and others who can help a family business have all its recordkeeping in order to ensure that the business legacy continues to be strong and follow the direction that the family desires,” Barnes says. 3. Succession planning Most family owned businesses are eventually passed on or sold to the next generation. This can be a complicated legal and financial process. Often, family members have differing authority in the business’s management, and therefore, differing expectations. “Zions Bank experts can help with transferring ownership and documenting equity shares, which are essential, especially when there are multiple family members with varied roles in the business,” Barnes says. Though Main Street USA is no longer lined with mom-and-pop shops, family owned businesses still have a significant presence in today’s economy. Family owned businesses manufacture, harvest and sell pretty much every product or service imaginable. Their place in the market, size and customer base may be small or large. Some employ only a few while others employ many. Family owned businesses are not only unique in ownership but in how profits and risks are distributed, how responsibilities are delegated, and how long-term ownership goals are determined and formulated. By James Rayburn 86 March/April 2016 4. Selling to an outside party When owners of a family business decide to retire or pursue other interests, selling to an outside party is often the direction of choice. Sometimes they might receive an offer to sell that is too good to refuse. Selling a business, however, can be a complex process, which requires thorough valuation, analysis and proper documentation. “If this is the direction the owners of a family business decide to take, we can bring the experts to the table to ensure that this transition protects the interests of everyone involved,” Barnes says. Family Business Services When the success of your company is a family affair, take advantage of Zions Bank’s specialized education and financial advisory services to help you manage growth now and transitions in the future. “My parents, my siblings and I have been involved in the banking business for more than five decades now. We’ve also developed other business interests in broadcasting and real estate, and found that these businesses brought our family together with a common sense of purpose. Now, we’ve launched Family Business Services to support your family business’ success.” Harris Simmons, Zions Bank Chairman Succession, estate and tax planning | Communication and conflict resolution | Employment strategies | Wealth and asset management1 through Zions Wealth Advisors | Insurance planning1 | Investment and trust services2 For more information please contact: Garrett Barnes, Senior Vice President 801-844-8716 | garrett.barnes@zionsbank.com A division of ZB, N.A. 1- Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance and annuity products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured ZB, N.A. deposits and are not FDIC insured. These products are not obligations of the ZB, N.A. and are not endorsed, recommended or guaranteed by ZB, N.A. or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. ZB, N.A. and its Zions Bank, and Zions Wealth Advisors divisions are not registered broker/dealers and are not affiliated with LPL Financial. 2- Fiduciary investment and trust services are offered through Zions Trust, a division of ZB, N.A. Investments are not insured by the FDIC or any federal or state government agency, are not deposits of or other obligations of, or guaranteed by, ZB, N.A. or its affiliates, and may be subject to investment risks, including the possible loss of principal value or amount invested. Unparalleled Opportunity for Students Investments are made in $10,000-$20,000 increments and follow the same protocol as a typical venture capital transaction: A company pitches its idea to Campus Founders Fund, whose team performs due diligence by investigating the company’s marketability, idea strength and possibility for growth. If the team agrees on the company’s viability, a term sheet is created to legally bind both parties. Dalton Wright, partner at Kickstart Seed Fund, says, “Campus Founders Fund provides an unparalleled opportunity for students to gain real-world experience in an industry that has historically been opaque and difficult to enter. What makes CFF particularly powerful is the level of autonomy these students have to source, investigate and close real investments in promising startup companies, a responsibility usually reserved for senior professionals in established funds. Students from CFF graduate with the knowledge, experience and network to pursue their dreams to start companies, join hot startups or land coveted jobs with venture firms.” Portfolio Investments Utah’s $500,000 Student-run Venture Fund In the past, college students have struggled to find effective avenues into the world of venture capital — such involvement has traditionally been pursued after graduation, not before. That’s beginning to change. In August 2014, Kickstart Seed Fund, one of the most active seed investment firms in Utah, created Campus Founders Fund, a $500,000 student-run venture fund designed to provide Utah’s college students easy and meaningful access to venture capital experience. The fund is run exclusively by a team of eight to10 students and consists of participants from all major universities in Utah with no direct involvement from Kickstart Seed Fund. By Chris Rawle Photos courtesy of Beehive Startups 88 March/April 2016 Campus Founders Fund has invested in six studentrun companies: Bettrnet, a behavior-based solution for encouraging healthy technology habits; Troclosure, a medical device that assists with laparoscopic surgery; SimpleCitizen, online tools designed to streamline the immigration process; Emberall, a company that helps people securely and easily record their life stories and preserve them for loved ones; Whistic, an online platform for organizations to quickly evaluate and quantify the IT security risks associated with their software-as-a-service vendors; and AncestorCloud, an online community that connects family history researchers with professional genealogists and others willing to help. “I joined Campus Founders Fund because I’ve always been interested in entrepreneurship,” says Minna Wang, managing partner at Campus Founders Fund and a biomedical engineering student at the University of Utah. “I thought this would be a great opportunity to be on the other side of the table, learning what investors look for in a company and what makes a great company. I have gotten this and more. It has given me insight into how companies run, it has given me insight into a large amount of industries, and this experience has been nearly impossible to obtain for a normal college student.” Chris Rawle writes for Beehive Startups, an online news organization covering the tech and startup ecosystem in Utah. Visit beehivestartups.com. four seasons - a million reasons POLICY INNOVATION THROUGH CREATIVE DISRUPTION LEARNING FROM THE PRIVATE SECTOR Through his groundbreaking work, economist Joseph Schumpeter described the process of “creative destruction.” It is the phenomenon where new technology often destroys and replaces existing technology in the business world. The result is a product that is better than the one it replaced and a consumer who is better off because of the new product. By Robert Spendlove Zions Bank’s Economic and Public Policy Officer Old Versus New Although this transition can be painful for the maker of the old product, society benefits from the change. It was difficult for horse and buggy makers when the automobile was invented but increases in productivity and quality of life were enormous as a result. More recently, it has been extremely difficult for camera and film manufacturers to adjust to a world of digital cameras built into smartphones — a technology universally loved by smartphone owners. New technology and creative thinking have allowed small, agile and inventive companies to upstage larger, slower, more traditional firms. Promoting Entrepreneurship in the Public Sector While innovation and reorganization are constantly occurring in the private sector, in the public sector change is too often slow and inefficient. The public is left to struggle with old and outdated policies, especially at the federal level. This problem is perpetuated by a bloated and unresponsive regulatory environment. This is not necessarily by design but is the 90 March/April 2016 result of legislation that fails to anticipate how policies will be implemented and by the nature of change. Many of the nation’s problems aren’t being solved. Indeed, many are becoming worse. The good news is that we are starting to see the rise of “policy entrepreneurs” throughout our country who are questioning previous conceptions and challenging the status quo. These individuals are promoting the more recent general concept of “creative disruption” instead of “creative destruction” as a way to advance policy change throughout the United States. Education Disruption One area where disruptive innovation has a large impact is in education. For many years, the concept of a formal education involved a teacher lecturing to a group of students in a formal setting, such as a classroom. This model is similar whether at the elementary level or at the graduate level of instruction and has remained largely unchanged over time. However, with the advancements of the Internet, a new model is emerging. It is changing the nature of education and is disrupting the old model. Khan Academy The Khan Academy is one of the best examples of this creative disruption in education policy. Salman Khan, founder of the academy, never intended to create an organization challenging the notion of traditional education. Instead, he was simply trying to help tutor his cousin who was struggling with her math schoolwork. Because they didn’t live near each other, in 2004 Khan posted algebra lessons on YouTube. Soon, others began to watch the lessons and they quickly increased in popularity. By 2009, Khan left his job and formed the Khan Academy, a nonprofit with the goal of providing free education to anyone. At first, the academy focused entirely on math instruction. Lately, however, because of increased financial support, it has expanded to areas such as economics, history, finance, biology and computer science. In 2015, the Khan Academy expanded beyond YouTube with a free smartphone app. The Khan Academy website has been translated to 23 languages and its videos into 65 languages including Spanish, French, Italian, Chinese, Arabic, Russian and Swahili. In 2004, Khan likely had no idea his online tutoring would revolutionize education instruction. Still in its early stages, the education revolution could provide a creative disruption that will alter the way education is delivered for generations. This new paradigm will surely be difficult for some to embrace, especially those who resist change. However, it is the kind of innovation that can positively impact the lives of millions of students. Those policy entrepreneurs who are supporting and promoting the Khan Academy understand the kind of fundamental policy change that this breakthrough can bring. Public Policy Can Benefit from the Lessons of Private Enterprise Government can never operate exactly like a business. It is fundamentally different in its purpose and motivation. However, government can benefit from the pursuit of innovation and entrepreneurial policymaking to solve America’s problems. If government encourages rather than resists policy innovation through creative disruption, positive changes to society can be realized. To read more economic news compiled monthly, please view our Economic Snapshot report on www.zionsbank.com/economy. SAVINGS on the GO Up to $18 Cash Back Moab The AmaZing Deals® Mobile App has cash back deals at resorts and hotels like: UP TO $80 CASH BACK St. George & Provo, Utah UP TO $70 CASH BACK Logan, St. George, Tremonton, & Sandy, Utah. 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The trademarks depicted herein are the property of their registered owners. “The U.S. has been looking at this technology for years, but what really drove us to this point is some of the large security breaches that have occurred over the past few years,” says John Richards, Zions Bank’s senior vice president of treasury management. “We are one of the last countries to adopt the EMV.” Below are the two major benefits of the EMV credit card system. 1. Increased consumer security 2 Main Benefits of Chip Credit Cards Most credit card holders have received new high-tech chip cards in the mail sometime in the past few months. The cards are supposed to improve security of private information and reduce the chances of credit card fraud, but many consumers don’t really understand the how or why behind this change. By James Rayburn 92 March/April 2016 The smart-card technology is called an EMV card, which stands for Europay, Mastercard and Visa, the three companies that created the standard. EMVCo, a consortium of credit card companies, now manages the network. Chip cards have been used in European countries for nearly 20 years. The standard was adopted by the United States and was supposed to be in use by Oct. 1, 2015, but merchants have been slow to implement the system. The smart cards incorporate chip technology, which encrypts the information that is transferred from the consumer to the merchant and is more secure than the traditional magnetic swipe system. “What the chip does is encrypt all sensitive and secure information and makes it almost impossible for anyone to hack or collect that information,” Richards says. “That’s the protection for the individual consumers who use these cards.” For the system to work more securely, however, merchants must use a device that reads the new chip cards. The chip technology provides no added security when a transaction is processed via the traditional magnetic swipe. “The magnetic strip on the back of a credit card has information about who you are,” Richards says. “That information is available if someone were able to get hold of that transaction.” When using chip cards and card readers, consumers not only insert their card into the reader but also authenticate their identity with a signature or with a PIN. Therefore, transactions must have three elements to benefit from the technology — use of a chip card, a card reader and a PIN or signature. “Most U.S. issuers are using the chip-and-signature system, but that’s something that’s still being debated, whether a signature is enough authentication or not,” Richards says. The chip technology has no security benefits for online and phone transactions. 2. Assignment of fraud liability Consumers with new chip cards in their wallets are discovering that many merchants have not yet begun using chip-card readers and are still processing credit card transactions by swiping cards. Continuing to use the swipe system makes a merchant liable for any fraudulent transactions. By using chipcard readers and completing transactions with the new technology, however, the liability of any fraudulent charges remains with the credit card processing company. The switch in liability is the main incentive for merchants to implement the chip-card system. Also, it provides customers with assurance that they are shopping at a store that is using the most secure transaction technology available. “This helps merchants because the consumers have to verify who they say they are, and it reduces the potential for fraud,” Richards says. MERCHANT SERVICES Timely, automatic credit directly to your account. At Zions Bank, a Merchant Services* account provided by First Data® is another way to increase sales by accepting Visa® , Master Card®, Discover, American Express®, Diners Club and JCB cards. Benefits » Competitive processing rates » EMV-ready » Phone, Internet and e-commerce solutions available » Wireless payment process, including iPad® and iPhone® » Online and Help Desk support 24/7/365 » Available upgrade to Clover® point-of-sale systems Simplify operations and increase sales with the Clover Solution and the Clover® App Market » Manage inventory » Time clock feature » Loyalty and gift card program For more information, call 800-726-7503 or email zionsbanktreasurymanagement@zionsbank.com Zions Bank is a division of ZB, N.A. Member FDIC *Merchant Services products and services are provided by First Data Merchant Services Corporation, subject to its approval, and not by Zions Bank. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. GO BEHIND THE When you travel to Manitoba with Hogle Zoo, you’re escorted by a Zoo expert who brings an insider’s perspective to wildlife and their natural habitat. Frankly, it’s a far more rewarding travel experience, in part because it also includes these unique benefits: • An expedition-themed event at Hogle Zoo, including food and destination lecture • A “behind-the-scenes” experience at Hogle Zoo to see and learn about your destination’s wildlife • A pre-trip preparation seminar • Frequent, helpful “countdown” notices from Hogle Zoo • A post-trip event at Hogle Zoo to share experiences, photos and friendships • A free gift along with free Zoo membership or membership upgrade • Two free Zoo Rendezvous tickets For more behind-the-scenes information, visit www.hoglezoo.org/expeditions. But, hurry, expeditions sell out quickly. UPCOMING EXPEDITIONS: South Africa – June 14-23, 2016 • See a wide array of African wildlife Manitoba – October 20-25, 2016 • Observe polar bears up close in Polar Rovers 801-584-1700 • www.hoglezoo.org/expeditions The Last Word By A. Scott Anderson President and CEO, Zions Bank It’s Time to Let Banks Do What We Do Best Idaho Gov. Butch Otter cut the ceremonial ribbon during the dedication of Eighth and Main on Feb. 12. Photo by Josie Patterson-Halford One of the reasons I love being a banker is the opportunity to help individuals achieve their dreams. Whether it is owning a home, starting a small business or investing for a secure retirement, Zions Bank has been there to help hundreds of thousands of individuals, families and businesses work toward financial independence and an enviable quality of life. We are proud to be an integral part of each neighborhood and community we serve. We enjoy getting to know our clients and providing the financial services they need to get the most out of life. However, increased federal regulations are making it increasingly difficult to provide our clients the services they want. In fact, some regulatory burdens are preventing banks from doing what they do best — provide access to capital to help the economy grow and communities thrive. The root of the problem is that under the federal DoddFrank Act and the myriad regulations that proliferated from it, community and regional banks are treated in some respects like the enormous Wall Street banks that were at the heart of the most recent financial crisis. 96 March/April 2016 In a recent article for American Banker magazine, Sheila Bair, former chairman of the Federal Deposit Insurance Corporation, said this: “In their understandable eagerness to show a toughened regulatory posture to a disillusioned public, regulators cast a wide supervisory net. In the process, they failed to sufficiently differentiate regional and community banks — bread-and-butter lenders that for the most part remained profitable before, during and after the crisis — from the main actors in the subprime debacle: the originators of toxic mortgages and the big firms that structured all those exotic securities and derivatives products on top of them.” Even though most banks weren’t responsible for the financial crisis, they now face tougher capital rules and complex, labor-intensive “stress tests” using “supervisory approaches that were cut and pasted from the elaborate procedures developed for the largest institutions,” wrote Bair. Smaller banks must “contend with an expensive laundry list of new processes and systems, committees, and compliance staff.” This regulatory burden hurts our clients and communities in a number of ways. For example, we are now required to use one-size-fits-all rules and formulas to determine if we can make a mortgage loan or lend money to a small business. An applicant, for example, might be someone we have done business with for decades, someone we fully trust and feel is credit-worthy. But because the applicant doesn’t precisely fit a formula or rule set forth in faraway Washington, we sometimes have to turn down people in whom we have full confidence. Our ability to make judgments and decisions based on local conditions and our relationship with clients has been diminished. Community banking is built on trust and confidence. Providing access to credit and capital is crucial to the economy. One of the reasons our state and nation are relatively prosperous is the modern banking system that helps keep the economy humming. Overregulation hurts individuals, small businesses and the overall economy. The banking industry has been and always will be carefully regulated. We accept that and believe that reasonable regulation is important to protect consumers and the broader economic environment. But federal oversight and regulation goes too far when it starts to hurt the individuals and small businesses it was meant to protect. Thankfully, some members of Congress see the problem and are working toward a common-sense approach. One of them is Senate Banking Committee Chairman Richard Shelby. Bair said legislation he is proposing “could help redirect more intensive government oversight to the banks that truly pose systemic risk, while providing breathing room to traditional lenders to make loans, particularly small-business loans, the lifeblood of economic development and job creation. It’s time to let them give greater attention to their basic function: providing credit to the real economy.” I agree. Pets will be Pets You can let your pets be pets and still maintain pride in your home, thanks to the unsurpassed durability of STAINMASTER® PetProtect™ carpet. PetProtect™ carpet delivers the exceptional overall protection you expect from STAINMASTER® – durable, stain resistant and easy to clean. Use it with the STAINMASTER® carpet cushion to give your pet-friendly home the carpet performance it demands. RC Willey is your exclusive STAINMASTER Flooring Center® Retailer and is your source for the STAINMASTER® Carpet Platinum Collection™, featuring the exclusive Platinum Promise™. If a carpet in the Platinum Collection™ is permanently stained, for any reason, it will be replaced. Now, that’s a promise you can stand on. Syracuse Store 801-774-2800 Draper Store 801-461-3800 Henderson Store 702-856-8000 Riverdale Store 801-622-7400 Orem Store 801-227-7400 Summerlin Store 702-515-2600 South Salt Lake Store 801-461-3800 Boise Store 208-288-4100 Rocklin Store 916-770-2400 Murray Store 801-261-6800 Reno Store 775-337-4600 Open 11 Hours A Day 6 Days A Week Monday - Saturday 10am - 9pm Closed Sunday Furniture Electronics Appliances Flooring Mattresses Why? Because Business is Digital From 2003 through 2008, Business Connect magazine offered a unique and cutting edge alternative to business as usual in Utah. In 2015, Business Connect has re-launched as a digital magazine, now available FREE in iTunes, and on Facebook and Twitter as well. Business Connect provides the same up-and-coming, in-your-face, perspective on business in Utah, but in this new format, additional tools greatly enhance the publication’s usefulness. Our central feature is a digital book of lists called the Business Connectory. This resource provides continuosly updated digital lists of Utah’s top companies in key industries. Just click on a listing to call or email a potential client, with additional one-button access to Twitter, Facebook, YouTube, or blog posts. Business Connect magazine. Once you’ve tried digital business, you’ll never go back. Cruller from Day’s Market
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