January/February 2015
Transcription
January/February 2015
community community January/February 2015 TRAVEL – HEALTH – FOOD – FINANCE ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE community ZIONS BANK STUNNING VIEWPOINTS Jackson’s Chuck Wagon Dinner Shows Wild Works of Art Indie Bookstores: A Rare Breed WE� United TREAWay T�Day of Caring THAT Shorter ER wait times; regardless of how you biff it! We treat significant injuries that can’t wait for a doctor’s appointment. We’re here to help when you’re feeling unbearably sick or whenever a medical emergency sidetracks your life. An experienced ER team at a MountainStar hospital near you is standing by 24/7; ready to do what it takes to help you feel better – fast. 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 Get Our Average ER Wait Times Test “ER” to 23000 MountainStarHealth.com | 800-848-4652 Experts in Hope Few choices matter more in life than where you choose to go for cancer treatment. Huntsman Cancer Institute provides hope for cancer patients through leading research to find cures, combined with compassionate care from dedicated health care professionals. Huntsman Cancer Institute: Research to Cure, Caring to Heal A PART OF Huntsman Cancer Institute huntsmancancer.org PASSION AND COMMITMENT As a local Utah firm, we are invested in our community and help our clients expand and deepen their impact. At Callister Nebeker & McCullough, our local roots and entrepreneurial client base keep us grounded in the reality that all clients want and need affordable legal representation that focuses on value and pragmatic problem-solving. We are honored to represent the nest and most talented clients in Utah. Find out how Callister Nebeker & McCullough can meet your needs. Call 801.530.7300 or visit www.cnmlaw.com. BANKING & FINANCE • BANKRUPTCY & CREDITOR RIGHTS • BUSINESS ENTITIES, TRANSACTIONS & FINANCING • CONSTRUCTION LAW EMPLOYEE BENEFITS & ERISA • ESTATE & TAX PLANNING • INTELLECTUAL PROPERTY • LABOR & EMPLOYMENT LITIGATION • NATURAL RESOURCES & GOVERNMENT • REAL ESTATE AT 260K PineCanyonCondos.com $ For more information call: Peter Linsey 435.901.8808 Lance May 801.201.5200 844-PINECYN FROM Shauna Jensen 801.791.2114 ©MMXIV 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. STUNNING 42 VIEWPOINTS features 16 19 22 25 28 48 Students ‘Get Smart About Credit’ Wild Works of Art Food, Laughs and Music Don’t Hold Your Breath Manti, Utah History in the Making Indie Bookstores National Museum of Wildlife Art Jackson’s Chuck Wagon Dinner Shows Be Part of the Pollution Solution Palisade State Park A Rare Breed Community Magazine 7 35 the basics 12 Editor’s Note Rob Brough 75 Dining and Leisure Guide 80 The Last Word Scott Anderson people 53 American Lung Association Fighting to Save Lives One Breath at a Time 56 Jayne Sorrels A Life of Service 58 John Resor In Pursuit of Excellence 60 Geraldine’s Bake Shoppe and Deli 62 RAM Company 64 Clark Hinckley Author Defends Christopher Columbus 66 Most Powerful Women in Banking Zions’ Women Among Nation’s Top Teams things you need to know 38 Powerhouses Headline Trade and Business Conference Inaugural Event Held in Boise 68 Condotel Mortgages Niche Loans for Niche Vacation Properties 70 Private Banking Helping High-net-worth Clients Utilize and Preserve Their Wealth 72 Special Assessment Bonds 8 An Effective Finance Vehicle for Communities January/February 2015 28 22 Bella Terrazza Villas at Sunbrook Communities More sunshine days... immersed in nature. Nestled on a hill in the heart of St. George, UT, Bella Terrazza offers the perfect maintenance-free villa home or vacation retreat for those who want more warm, sunny days all year long. Breathtaking views appear in every direction in this beautiful Sunbrook community. Beautiful 2 and 3 bedroom villas FROM THE $160’s Sunbrook Sales Center 2240 W. Sunbrook Drive #5 St. George, UT 84770 PHONE: 435-674-2900 EMAIL: sales@sunbrook.com Tue – Sat: 10 AM – 6 PM Bella Terrazza Villas 280 S. Luce Del Sol St. George, UT 84770 USTOM WOOD CABINETS • GAS FIREPLACE • WOOD FLOORS • GRANITE COUNTER TOPS • STAINLESS STEEL APPLIANCES • 10’ CEILINGS • COVERED PARKING • WASHER AND D www.sunbrook.com community ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE community community ZIONS BANK ® TRAVEL – HEALTH – FOOD – FINANCE BANK Three-time WPA MaggieZIONS Award Winner “Best Corporate or In-House Magazine” TRAVEL – HEALTH – FOOD – FINANCE Three-time Best of State Publication Winner Four-time Golden Spike Winner 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 Publisher Brandon Ellis bellis@luminpublishing.com Managing Editor Julie M. Bradford julie.bradford@zionsbank.com Senior Editor Gail Newbold gnewbold@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 © 2015 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. 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. editor’s note Rob Brough enjoys the view from the 26th-floor observation deck of the LDS Church Office Building in Salt Lake City. I’m not afraid of heights. At least I thought that was true until a recent experience in Zion National Park in Southern Utah. As evidence of my long-held belief that I was not impacted by acrophobia, I have stood at the top of a number of “high” places. One of these was the tallest manmade monument in the Western Hemisphere, the 630-foot Gateway Arch in St. Louis. From the narrow observation deck at the arch’s apex you can see up to 30 miles in either direction. I have travelled by funicular in Switzerland to the Harder Kulm, Interlaken’s home mountain, where I stood on the extended lookout platform 735 meters above the town. From the edge of the platform the views of Eiger, Mönch and Jungfrau, as well as Lake Thun and Lake Brienz, were spectacular. I have been to the top of the Empire State Building in New York City, the Sears Tower in Chicago and the Space Needle in Seattle. I have ridden every high-flying roller coaster and thrill ride in Disneyland, Disneyworld, Universal Studios, Six Flags and Lagoon. I think I’ve made my point. Heights have not been a concern for me. However, early on a recent Saturday morning, two of my brothers and I started the 5-mile hike to Angels Landing in Zion National Park. 12 January/February 2015 Beginning at the Grotto Trailhead at about 5:30 a.m. with headlamps on, we crossed the hiker’s bridge over the Virgin River in the dark and began our ascent up the West Rim Trail. Just before entering Refrigerator Canyon the sun began to light up the beautiful red rock walls. We took a brief break to catch our breath and capture a few photos of the breathtaking view. The hike through Refrigerator Canyon was less strenuous than the trail and a welcome relief before arriving at Walter’s Wiggles — a set of switchbacks that takes the trail all the way up to the top of the ridge above the canyon. Once at the top, we were standing at Scout’s Lookout where I got my first glimpse at Angels Landing. The first thing that caught my eye was the sign featuring a stick figure falling to his death off the 1,500foot cliff. Naturally I had to read the sign. The first line read, “Since 2004, six people have died falling from the cliffs on this route.” Someone needs to work on their marketing skills if that is intended to motivate hikers to continue their climb! I then looked up the landing and noticed the poles and chains affixed to the rocks to assist climbers on their journey. Piece of cake, I thought. However, less than halfway up the initial section of chains a feeling of panic like I had never before experienced washed over me. Perhaps it was the realization that there was nothing but sand-covered rocks and scattered foliage between me and a 1,500-foot fall to my death. I tried to convince myself to press on, but instead found myself clinging tightly to the chains without moving. Ashamed, I waved my brothers on and told them I was turning back and would wait for them at Scout’s Lookout. As I swallowed my pride, I enjoyed the spectacular views of Zion Canyon on the sure footing of the lookout while waiting for my brothers to return. It was then that I realized I really am not afraid of heights. It’s the idea of falling from them that scares me. In this issue of Community, photographer Kevin Kiernan explores some of the region’s best viewpoints. These lookouts may challenge those with weak knees, but I don’t believe any of them greet visitors with a warning label similar to Angels Landing. We really do live in a spectacularly beautiful part of the country. Enjoy the view! Rob Brough Executive Vice President Corporate Marketing and Communications KLEIN’S CUSTOM COUNTERTOP O.C. TANNER GOLD CROSS AMBULANCE DATS TRUCKING 100% OWNED BY POLICYHOLDERS 14 January/February 2015 In the Community Students ‘Get Smart About Credit’ Students in Woods Cross High School’s Latinos in Action program wear graduation caps after learning to save for college in honor of Get Smart About Credit Day. Zions Bank Diverse Markets Vice President Jaime Alonso celebrated national Get Smart About Credit Day by teaching Latino students at Woods Cross High School how to pay for college while avoiding too much debt. Jaime Alonso Students in the school’s Latinos in Action class wore mortarboards with tips written on them as part of Alonso’s hands-on presentation. Tips included filling out the Free Application for Federal Student Aid, researching scholarships online and how to borrow money the smart way. Alonso and nearly 50 other Zions Bank employees educated thousands of Utah and Idaho high school students in fall 2014 in honor of national Get Smart About Credit Day. Students learned about a range of topics including how to protect their identities and build up their credit scores. Employees teach around 7,000 students each year. By Elizabeth Neff 16 January/February 2015 Photos courtesy of Zions Bank Providing Personal Attention to Diverse Communities Zions Bank is proud to celebrate the 10th anniversary of our Diverse Markets group, serving ethnically diverse businesses and consumers in Utah and Idaho. Diverse Markets customers gain high-touch service from bankers who understand their industry, respect their culture and speak their native language. Our bankers spend time getting to know each organization and then offer thoughtful solutions to meet its unique financial needs. We are passionate about the growth of our communities and wish to thank our wonderful clients for trusting us on their path to success. Follow us on zionsbank.com® Member FDIC National Museum of Wildlife Art Wild Works of Art It’s the early 1990s. Grand Teton National Park is as spectacular as ever. So is the National Elk Refuge on the road heading to the park. The Rising Sage campground is on that same road, but it’s abandoned and not so spectacular. By Kris Millgate Photos courtesy of National Museum of Wildlife Art Community Magazine 19 Plein Air Painting at the National Museum of Wildlife Art Fast forward to 1994 and beyond. A building resembling an attractive Scottish castle covers the site of the old campground. In later years, the hillside is dotted with sculptures of bison, elk and eagles. Passersby are drawn up the hill for a peek inside the castle. That is, as soon as they can get past that herd of deer crossing the street in front of their car. “It is a strategic location,” says James McNutt, president and CEO of National Museum of Wildlife Art. “We are on the butte across from the National Elk Refuge. We see coyotes, wolves, bison, elk and deer.” Its prime location adds to the success of the National Museum of Wildlife Art. The wildlife outside the museum is recreated as art inside the museum, and the combination draws a crowd. Annually, more than 75,000 people visit the museum (www.wildlifeart.org). They come from all over the world, making the museum the No. 1 rated attraction in Jackson Hole, Wyoming, on TripAdvisor.com. “The real advantage is we’re in one of the very few places in North America where there are plenty of wild animals for people to see all the time,” McNutt says. 20 January/February 2015 “That’s why people come here. We are in a great place to tell the story. They can see the art, engage with it and then also see the wild animals that are the subject matter of the art.” The museum’s unique wildlife focus earned it a congressional designation as a national museum in 2008. Its collection includes more than 5,000 items dating back to 2500 B.C. through the present. “What we do is point out that artists have been depicting these animals for thousands of years,” McNutt says. “People have always had a fascination with animals.” The art takes shape in the form of beautiful sculptures, stunning photographs and elegant paintings created by well-known artists of every medium. Some of the more popular pieces in the museum’s collection are shipped around the country on loan to other museums. “Our artists are in many other museums, but none are collections focused on art that depicts wildlife like our collections,” McNutt says. Visitors can add eating to their experience by dining in the museum’s restaurant, Rising Sage, named after the old campground. Museum admission of $12 for adults and $6 for children does not apply to the restaurant, so hungry guests can still dine even if they don’t have time to browse the art. Rising Sage offers everything from salads and wraps to fish tacos and bison burgers plus a “small appetites” menu for children. “Restaurants are always a great convenience for visitors,” McNutt says. “We are out of town a few miles, and offering food makes it nice for visitors to stop for a bite to eat.” Jackson’s Chuck Wagon Dinner Shows Bar T-5 Food,Laughs and Music You could mosey over to your favorite restaurant, saunter in and enjoy a lovely dinner. Or … you could step inside an authentic horse-drawn covered wagon and ride 20 minutes through the pine-studded BridgerTeton National Forest with cowboys and Indians whooping and hollering around the wagon train at high speed. By Gail Newbold Photos courtesy of Bar T-5 and Bar J 22 January/February 2015 Bar J When the beautiful Percheron and Belgian draft horses come to a halt, you could exit the wagon and sit under a covered pavilion surrounded by 3.4 million acres of wilderness, greeted warmly by members of the Warburton family who own this Jackson, Wyoming, chuck wagon dinner show they call the Bar T-5. Then, instead of engaging in dull conversation at a table inside a restaurant, you could be sitting at a long picnic table chatting with the couple you just met from Wales or the nice folks from Australia. Finally, you could eat your fill of chicken, roast beef, baked beans, salad, corn and blonde brownies, then alternately laugh at the silly cowboy jokes and listen in awe to the nimble-fingered fiddler adding to the guitars and the harmony of the Bar T-5 Band. You could find yourself drawn into this western adventure, maybe even ending up as part of the show. Ho-hum supper inside four walls or authentic Western cookout and show in Mother Nature? Not a tough decision. A Family Affair Bar T-5 Bar T-5 Covered Wagon Cookout and Show (Located about 1.5 miles southeast of downtown Jackson) National Elk Refuge Sleigh Rides Teton Wagon Train and Horse Adventure P.O. Box 3415 Jackson, WY 83001 www.bart5.com 307-733-5386 Bar J Chuckwagon (Located seven minutes from Jackson) 4200 W. Bar J Chuckwagon Road Wilson, WY 83014 www.barjchuckwagon.com 800-905-2275 Jeff and Cindy Warburton met and fell in love while working for the previous owner of both the Bar T-5 Covered Wagon Cookout and the Teton Wagon Train and Horse Adventure — the latter being a four-day, three-night camping adventure. Jeff and his brother Chris were offered the chance to buy the trip portion of the business in 1997. Ten years later, they purchased the Bar T-5, bringing the dinner show and wagon train trip together under one company. Along with Jeff and Cindy, show emcee Chris and wife Audra, this is truly a family affair, with the children of both couples also working for the company. The “fun” doesn’t end for this hardworking family when the chuck wagon dinner season winds down. Their mode of transportation switches from covered wagons to horsedrawn sleighs that glide onto the National Elk Refuge carrying visitors to see the thousands of elk who make it their winter home. Jeff and Chris are excited to carry on and share this unique tradition of horse-drawn travel. Bar J Chuckwagon Bar J Hear the Bar J Wranglers perforn in our iPad app. Download Zions Bank Community on iTunes. Evening Adventure From mid-May through September, Monday through Saturday, the Warburtons replay this evening adventure for flocks of local and international visitors. Our group joined in on the last day of the fall season when the air was crisp and the leaves brilliant — an excellent time to visit Jackson with fewer crowds and lower rates. We stayed at the Lexington Hotel, just a block and a half from Jackson’s historic Town Square, with reasonable rates, oversized rooms and a free breakfast buffet. It would be hard to say which was more fun — the picturesque horse-drawn wagon ride into the forest, the dinner show or the international guest roster. According to Cindy Warburton, one of the owners, “Our 20-minute wagon ride is a really unique experience, and our Dutch oven dinner is all you can eat and we mean all you can eat! The menu is about the same as it was when it started 41 years ago. You find something that works and you stick with it.” There’s no shoot-em-up wagon ride before Bar J Chuckwagon’s dinner show, but that doesn’t mean there’s less fun. The Bar J is a much bigger operation than the Bar T-5, with a seating capacity of 750 and a professional show that’s an exuberant mix of stand-up comedy and cowboy music performed by the Bar J Wranglers from Jackson Hole. The Wranglers perform nationwide and have appeared with western singing sensations such as Roy Rogers, Randy Travis, Sons of the Pioneers and others. The group has a long list of recordings available for purchase on Bar J’s website. Founded by Babe Humphrey in 1977, the Bar J Ranch and Bar J Wranglers offer a western experience that families can enjoy. Humphrey’s sons, Scott and Bryan, are determined to ensure that family values and western hospitality are preserved. Open Memorial Day weekend through the last Saturday in September, the Bar J’s dinner menu offers a choice of steak, barbecue beef, chicken or pork ribs with baked potatoes, baked beans, biscuits, applesauce and spice cake. Bar T-5 Community Magazine 23 ok f o l l t e s h s u t j f his t r o a yum! call and make an appointment with one of our dietitians IT’s A Cinch Let us do the work DON’T HOLD YOUR BREATH BE PART OF THE POLLUTION SOLUTION It’s that time of year again — when the magic of winter fades and the Wasatch Front stalls into a bleak January holding pattern. And everyone knows it’s not the cold that hurts the worst, it’s the smog: a thick, pea-soup air that chokes the lungs and the land alike. By Ashley Sanders Photos by Kevin Kiernan Community Magazine 25 And the savvy know it’s not just a winter issue — it’s simply not as visible in the summer. Ryan Evans, vice president of business and community relations at the Salt Lake Chamber, believes it doesn’t have to be this way. As a businessman and community advocate, he thinks the dirty air hurts us all. “Air pollution impacts our health, happiness and economy,” Evans says, citing increased health care costs, a reduction in tourism and difficulty recruiting new businesses to the region as consequences of inaction. At the same time, each one of us adds to the air pollution burden. “We all contribute to our air quality issues by driving, using energy in our homes or mowing our lawns,” Evans says. “Therefore I feel it is our responsibility to do our part.” With 57 percent of our air pollution coming from vehicles and 32 percent from homes and business, coordinated action is essential on a personal level. Not sure what to do? Not to worry: With a looming population boom on a dirty horizon, Evans collaborated with other local organizations and experts to set up clear, concise steps for business leaders and everyday people to ameliorate the pollution problem and make Utah’s skies sparkle again. For Businesses Not only do businesses have power to coordinate massive change, they also benefit financially by taking steps to clear the air. “It makes good business sense to be air-quality friendly,” Evans says, noting that clear skies decrease (employee) health care costs, reduce inefficiency and attract more businesses to the region. 26 January/February 2015 Encourage alternatives. Trail blaze innovative transit and work opportunities for your employees. Offer transit passes, organize carpooling, biking and walking groups, or introduce telecommuting options. This will keep cars off the road, support the transit infrastructure and culture, and create healthier, happier employees. Conserve and convert. Rocky Mountain Power’s WattSmart program offers expertise and financial incentives to businesses seeking to upgrade, retrofit or revamp their energy plans. They also provide a Solar Incentive Program to assist businesses in transitioning to renewable energy sources. Invest in a fleeter fleet. Replace your gas-guzzling, highemission vehicles with cleaner, more efficient options. Implement a no-idling policy at your workplace. Take the challenge. Last July, the month-long Clear the Air Challenge eliminated 143,353 trips and kept more than 2 million cars off the road and reduced 668 tons of emissions. Sign up your business and compete to be part of the clean air solution on a massive scale. Become a Clean Air Champion. The Salt Lake Chamber’s clean air program works to strengthen air quality and the economy by recruiting businesses to act as leaders in their communities, offering bottom-line savings, community recognition and enhanced employee morale in exchange for a commitment to tackling three items on a list of simple, straightforward air quality solutions. For Individuals It may feel daunting for one person to tackle air quality issues alone, but small actions add up, and simple shifts in behavior can result in larger shifts in culture — creating a more transit-friendly, bike-friendly and breathable city. End the idling addiction. The seconds you spend idling at drive-thrus, parking lots and school zones add up. Turn off your car when not moving to save gas, clear the air and eliminate pollution hot spots at places like schools, shopping centers and airports. Drive less, drive smarter. Take the Choose Clean Air pledge and commit to leaving your car home at least one day a week. According to the Clear the Air Challenge website, cleartheairchallenge.org, this could reduce vehicle emissions by 6,500 tons per year. If you do have to drive, plan your trips so you get more done on less gas. Bus, bike or walk. Choose to use an alternative transit method one day a week. New to the bus, TRAX, Frontrunner or streetcar? Visit rideuta.com to access its TripPlanner or phone app to find the best route. Still intimidated? UTA offers a free, one-on-one Travel Training Program to turn you into a transit pro in no time. Go electric. It seems like a small move, but traditional lawn mowers are some of the most potent polluters in our tool sheds. Switching to electric is a smart, effective choice. Sport new wheels. Dump that junker and convert to an electric car or a car with a high smog rating for big gas savings and less toxic smog. Wattsmart is registered in U.S. Patent and Trademark Office. © 2013 Rocky Mountain Power Be a wattsmart family. It’s easy to save energy and money when we all work together. Make a goal to do a few simple things every day, such as turning off lights, powering down computers and washing your clothes with cold water. You’ll be surprised how much you can save when everyone does their part. To learn more, visit wattsmart.com. M Reflection Pool at Manti’s Veteran’s Memorial 28 January/February 2015 MANTI HISTORY IN THE MAKING By Natalie Hollingshead Photos by Kevin Kiernan Candies on Main Community Magazine 29 In September 2002, while many of the town’s residents were attending Sunday church services, a powerful tornado ripped through Manti, Utah. In 15 minutes, the twister ripped out trees, tossed trailers, destroyed six homes and damaged buildings. Immediately, townspeople united to put their town back together. So much so that when FEMA arrived a week later, they had one question: Where is the mess? “We had already cleared up all the debris and hauled it off,” says Mayor Korry Soper. “We just took care of business. We had a disaster, we cleaned it up and moved on with life.” Folks in the central Utah town come by their can-do, hardworking, pioneer spirit honestly. The city was settled in late November 1849 by Mormon pioneers who arrived too late in the season to build homes. Instead, they endured the harsh winter living in dugouts on the side of what is now Temple Hill. Many Manti residents can trace their lineage back to those early pioneer families, with surnames like Cox, Dyreng and Barton carrying on the pioneer legacy. Old-time Charm Candies on Main Self-guided tours of in-hill forts built by the pioneers are available 30 January/February 2015 In the spring and summer, Manti’s historic downtown streets are lined with hanging flowers and in the wintertime with festive Christmas lights. A large clock in the town square chimes on the hour. Main Street is home to quintessential Manti businesses including Jensen’s Department Store, where you can rent a tux or buy snow boots, and Candies on Main, where you can sit at a counter and sample sweets while munching on a deli sandwich. Dirk’s Farmhouse Restaurant is a local favorite for down-home cooking, and Miller’s Bakery is said to have the best donuts and shakes in town. From the Alfred Billings-Hougaard House to Yardley Inn and Health Spa, there are dozens of well-preserved homes still standing from the mid-1800s. “Manti has that historic charm to it, and I love that,” says Nate Christensen, who moved to Manti seven years ago. Christensen, a Zions Bank loan officer, bought and is restoring a previously abandoned adobe brick building near the Manti LDS Temple. A father to six children, Christensen says he and his wife love raising a family in the small town. “A couple times a year you may look out your window and see a herd of sheep going down the street,” he says. “You wouldn’t see that in Salt Lake City, but here it’s just part of a country way of life that has a bit of throwback to history. I wouldn’t say we’re backward though. We conveniently get a little bit of the old world as well as the new.” Serving The Wasatch Front since 1996 Help your loved one make a safe return home. Returning home can leave your loved one in need of additional care and assistance. Home Instead CAREGiversSM are by your side, making it easy to follow a personalized care plan. This reduces the chance of a hospital readmission. Staying at home now becomes a real option. www.HomeInstead.com/109 • Transportation to Follow-Up Appointments • Nutrition and Medication Management • Warning Sign Monitoring and Notification • Physical Therapy/Exercise Reminders • Personal Care Services SLC 801.266.9444 Bountiful 385.399.7240 East Layton 801.393.8700 1.800.277.2975 + Contact us to put together a personalized care plan for your loved one. Each Home Instead Senior Care franchise office is independently owned and operated. © 2014 Home Instead, Inc. OUR AMERICA A landmark exhibition drawn from the collections of the Smithsonian American Art Museum THE LATINO PRESENCE IN AMERICAN ART February 6–May 17, 2015 PRESENTING SPONSOR: Opening party thursday, February 5 SPONSORS: S. J. and Jessie E. Quinney Foundation | Ray, Quinney & Nebeker Foundation MARCIA AND JOHN PRICE MUSEUM BUILDING umfa.utah.edu Olga Albizu, Radiante, 1967, oil, Smithsonian American Art Museum. Gift of JPMorgan Chase. Our America: The Latino Presence in American Art is organized by the Smithsonian American Art Museum. Generous support for the exhibition has been provided by Altria Group, the Honorable Aida M. Alvarez; Judah Best, The James F. Dicke Family Endowment, Sheila Duignan and Mike Wilkins, Tania and Tom Evans, Friends of the National Museum of the American Latino, The Michael A. and the Honorable Marilyn Logsdon Mennello Endowment, Henry R. Muñoz III, Wells Fargo and Zions Bank. Additional significant support was provided by The Latino Initiatives Pool, administered by the Smithsonian Latino Center. Support for “Treasures to Go,” the museum’s traveling exhibition program, comes from The C.F. Foundation, Atlanta. Historic House Pageants and Pole Climbing During the last two weeks in June, nearly 70,000 visitors flock to the city of 3,300 people to see the Mormon Miracle Pageant. Staged on the slopes next to the Manti Temple, the outdoor event involves a cast of 800 people, and the efforts of nearly the entire town to stage. “We could not do the pageant without community support,” Soper says. “We have 10,000 chairs to put up and take down each year. Manti City has a big involvement in pageant dinners. Volunteers help us cook the barbecue turkey, mash potatoes and serve food to the tens of thousands of people who come to town.” While it’s not yet as well-known as the Mormon Miracle Pageant, every June Manti also plays host to the Rat Fink Reunion hot rod show. Other popular annual events include a hometown Fourth of July — complete with greased-pole climbing, sack races and watermelon bust, the Manti Mountain ATV Run Jamboree, the Sanpete County Fair in August, and the Manti Light Parade in late November. 32 January/February 2015 Hand-crafted, One-of-a-kind, Wooden Artwork from the Andes Cedarbrooke Wooden Art specializes in sculptures that are crafted from tropical Andean jungle hardwood. A perfect gift for home décor or the holidays. To see more, visit our website at cedarbrookewood.com, on Facebook at facebook.com/cedarbrookewood or email us at cedarbrookewood@gmail.com. on balances over $250,000 Visit zionsdirect.com or call 1-800-524-8875 for details. Investment products and services offered through Zions Direct, Member of FINRA/SIPC. Minimum $250,000 account value in a single Zions Direct brokerage account required for eligibility. Offer applies to online equity trades over $1.00 and fixed income trades only. Investment Products: Not FDIC Insured • No Bank Guarantee • May Lose Value Zions Direct is a wholly owned non-bank subsidiary of Zions Bank. PALISADE STATE PARK The problem with best-kept secrets is that it’s hard to keep them secret. Take Palisade State Park, for example. Try as Central Utah locals might to keep this favorite spot to themselves, every year more visitors arrive to enjoy the wide range of amenities the park offers. Golfing, camping, fishing, swimming, hiking, four-wheeling, paddle boating, canoeing — you name it, you can likely do it at Palisade State Park. Community Magazine 35 “The word is spreading that it’s the best little place around Utah,” says Shon Tripp, manager of the state park since 1996. Located less than 15 minutes south of Manti, Utah, Palisade State Park may be a revelation to outsiders, but it’s served as a leisure spot for local families for hundreds of years. In the 1860s, early Sanpete Valley settler Daniel B. Funk bargained with a Sanpitch Indian chief to use the land as a summer and weekend resort area. He and his family undertook the grueling task of building a dam and diverting part of a nearby creek to the lake, now known as Palisade Reservoir. Funk operated a steamboat that took visitors around the reservoir, Tripp says. “The Indians didn’t think he could make water go uphill but he did,” Tripp says. The reservoir isn’t massive — it’s about 70 surface acres total, and around 30 feet at its deepest — but there is enough room for electric motor and nonmotorized boating, fishing, swimming and more. “People don’t realize what we have as far as facilities until they get here,” Tripp says. The park has four campgrounds that can accommodate individual tents, full hookups for RVs, cabins with showers and restrooms, group camping areas, and a playground for kids. Group camping sites are booked a year in advance and individual sites are usually booked four months in advance. “Even walkup sites for the weekend are gone by Wednesday or Thursday,” Tripp says. “Memorial Day to Labor Day is the busiest time. I think the best time to come is in the spring and fall when it’s not quite so busy. If you come the first part of May it’s a little cooler but in my opinion nicer.” 36 January/February 2015 Many campers use the state park as a home base to explore the Manti-La Sal National Forest Skyline Drive in an ATV or spend the weekend golfing at the park’s 18-hole, par 72 course. Family reunions are also popular at the park because there are activities for all ages. There are canoes and paddleboats for rent at the park (lifejackets included), and the golf course has a pro shop and Lakeside Grill. “We do our reunion here every year and we golf in the morning and swim in the afternoon and sometimes golf again in the evening,” Tripp says. “Sometimes we hike around the lake and that’s fun for everyone, too.” At its busiest the state park will see a full capacity of 1,100 campers, plus day-use visitors and golfers. “It’s pretty hopping all the time. You’re not going to get in unless you planned ahead of time,” he says. Best kept secret no more. WINTER ADVENTURE PASS $45 ADULT | $30 YOUTH VALID JAN 16-19 + FEB 10 - APR 19 Unlimited day pass valid on our Adventure Courses and Drop Tower. WINTER COMET BOBSLED RIDES Take the ride of a lifetime on the Comet Bobsled Ride. Available Tuesdays to Sundays, thru March 29, 2015. Reservations Required > 435.658.4206 UTAHOLYMPICLEGACY.COM / 435.658.4200 Economist Todd Buchholz Idaho Gov. Butch Otter and Zions Bank President and CEO Scott Anderson POWERHOUSES HEADLINE TRADE and BUSINESS CONFERENCE Inaugural Event Held in Boise By Julie M. Bradford Photos by Kevin Kiernan 38 January/February 2015 Former Gov. Mitt Romney, Hewlett-Packard CEO Meg Whitman and economist Todd Buchholz offered valuable strategies for Idaho businesses to succeed at home and abroad at the inaugural Governor’s Trade and Business Conference presented by Zions Bank in Boise last October. Mitt Romney, Scott Anderson and Meg Whitman “As you know, Zions Bank has become a leader in Idaho’s economy, showing its confidence in and commitment to our state by investing in its operations here, but more importantly by investing in the communities, businesses and people of Idaho,” Idaho Gov. Butch Otter said. “I’m pleased that Zions is partnering with the State of Idaho in presenting this conference to showcase the essential role of trade and business in building a better future for our state.” Gov. Otter highlighted the Gem State’s economy as the fifth fastest growing in the U.S. Since 2003, Idaho exports have almost tripled from $2 billion to $5.7 billion in 2013, according to the Idaho Commerce Department. More than 1,000 people attended the conference at the Boise Centre. Attendees took advantage of networking opportunities with other business leaders and exhibitors to find sales leads and forge partnerships. Meg Whitman Whitman — current chairman, president and CEO of Hewlett-Packard — answered questions on stage from Zions Bank’s Director of International Banking David Clark about HP’s plans to split into two businesses. She praised Boise for being an important part of HP’s business, saying she’d like to move employees there from other parts of the country. “Boise is so important to our printing business,” she said. “New technology is making printing more economical and faster, especially laser jet printing. But new technology brings security challenges, so you need to do regular security health checks on your business. When the bad guys get better, we have to get better. Someone in your organization needs to think hard through these issues. This is the price of entry today. It’s not just big companies, but smaller ones, too. No matter how big your business is, you need to think about it.” Whitman suggested that companies need to help communities develop the talents for business and innovation. “States like Idaho have helped create a great environment for businesses like HP,” she said. “It starts with education. We need to grow the next generation of technologists at an earlier age. If we are not graduating the young people who can come in to our companies then we’re going to fall behind.” Meg Whitman answers questions about HP’s presence in Boise from Zions Bank’s Director of International Banking David Clark. Community Magazine 39 Pacesetter Awards Zions Bank’s International Banking Manager Mark Garfield interviews Mitt Romney on his views about the state of the nation and the international political landscape. Mitt Romney In response to questions about the U.S.’s reaction to Syria from Zions Bank’s International Banking Manager Mark Garfield, Romney cautioned that “failure to act at the right time leads to the absence of good options.” It’s public psychology to move from issue to issue week to week, continued the former Massachusetts governor and presidential candidate. “One role of a leader is communicating your objectives and principles clearly to the American people to have their minds focused on the areas of greatest significance.” Speaking to business leaders at the conference, Romney said they are part of the catalyst for growing the economy. “When free enterprise is thriving, it strengthens America and allows us to have influence in the world,” he said. “Our presence on the global stage and our ability to influence is affected by our economy.” The might of freedom is tied to the economy, Romney suggested. “What causes our economy to grow is innovation,” he said. “To get greater productivity, you need innovation. We need more successful enterprises. Doing what you know best is making a difference in the world.” Todd Buchholz Buchholz, economist and best-selling author, touted Boise’s excellent economy as being much better than the rest of the nation. He suggested that a major lesson from the economic downturn is that if people don’t share costs, they take on excess risk that is not sustainable. “If you run an economy without people having skin in the game, you have to worry about sustainability,” Buchholz said. “As a result, we have a backlash against the very idea of making money. There are millions of people in the U.S. and billions in the world who are against this. We’ve had a blockage of free trade. It’s hard to stage an international recovery when you have people who are preventing economic growth.” 40 January/February 2015 Congressman Raul Labrador, Sen. Jim Risch, Sen. Mike Crapo and Gov. Otter joined Zions Bank’s President and CEO Scott Anderson and Vice President of International Banking Gary DeGrange to honor two companies that have demonstrated business success internationally and at home. Accepting the 2014 Idaho Pacesetter Award was Scott Atkison, president of Idaho Forest Group, a vibrant and thriving enterprise that is one of the largest lumber manufacturers in the U.S. and a vital source of job creation in northern Idaho. The 2014 Idaho Global Pacesetter Award winner was Agri Beef Company, an exporter of premium quality beef and pork to more than 25 countries around the world with a strong presence in Asia. CEO Robert Rebholtz accepted the award. For more than 45 years, Agri Beef has provided high-quality meat products through superior service, value and innovation. “These inspiring businesses have in common a deep commitment to creating jobs, fueling economic development and improving the quality of life in the Gem State,” Anderson said. “Like these companies, we believe Idaho offers a significant business advantage, and we’re investing significantly in this market because of it.” Idaho Forrest Group Agri Beef Company WE SPEAK THE LANGUAGE OF INTERNATIONAL BUSINESS. When choosing a bank for overseas transactions, you can feel confident working with the only bank in Utah that has dedicated international banking personnel in the state, ready to assist. Our team has forged connections rivaled only by some of the world’s largest banks — including a strong partnership with the U.S. Commercial Service — to help our clients navigate global markets. With more than 100 years of combined expertise in international banking, Zions Bank can help your company stay on top of our ever-changing business world. To learn more, contact: MARK GARFIELD, Senior Vice President, International Banking (801) 844-7688 | mark.garfield@zionsbank.com Follow us on zionsbank.com® Member FDIC STUNNING VIEWPOINTS See every photo in high-resolution, as well as an interactive guide to the photos in our iPad app. Download Zions Bank Community on iTunes. By Breanna Olaveson Photos by Kevin Kiernan Snowbird Tram 42 January/February 2015 Waffles at 10,000 feet on Rendezvous Mountain Everything looks better from above. The view from the top makes that long, steep hike a little less painful. An observation deck high above city streets puts the minutiae of day-today living in perspective. Once you’ve seen the world from above, your outlook changes long after descending back to street or ground level. Here are nine stunning viewpoints within the Intermountain West that you’ll have to see to believe. Snowbird Tram Snowbird, Utah, is a 2,500-acre resort nestled in the heart of the WasatchCache National Forest right up Little Cottonwood Canyon near Salt Lake City. It’s just a mile down the canyon from Alta and has 10 chairlifts and one aerial tram, which guests ride every winter from the base of Snowbird to the top of 11,000-foot Hidden Peak. Along the way, guests can catch a glimpse of Alta and the Salt Lake Valley as they ride between the snow-capped slopes. The tram ascends 2,900 vertical feet during the ride and can hold 125 people. And because Snowbird is only 29 miles from the Salt Lake City International Airport, guests can fly into the valley and ride the tram all on the same day. Community Magazine 43 Snow Basin Snowbasin The peak of Utah’s Snowbasin resort is the top of Mount Allen, with an elevation of 9,350 feet. From up here, the views of the snow-capped mountains and valley below are astounding. The resort drew worldwide attention during the 2002 Winter Olympic Games when the men’s downhill, women’s downhill and super-G events took place on its slopes. Snowbasin also hosted combined and Paralympic events, the NCAA National Ski Championships, the 2001 Disabled Alpine World Cup, the Utah Winter Games, and the Winter Dew Tour. But on a regular day, the 3,300-acre resort that sits just 35 miles north of downtown Salt Lake City dazzles recreational skiers with breathtaking views, deep powder glades, well-groomed cruisers and two of the world’s most challenging downhill racecourses. Rendezvous Mountain Rendezvous Mountain Some visitors to the top of Rendezvous Mountain in Jackson Hole, Wyoming, are hungry for sightseeing, hiking or skiing. Some are hungry for waffles. Fortunately, there’s something for everyone atop the Teton Mountain Range’s peak. Corbet’s Cabin, which is situated at 10,450 feet elevation and accessed by aerial tram, serves waffles made to order with toppings including brown sugar butter, Nutella, peanut butter and even bacon. Visitors can enjoy their waffles with hot and cold drinks, beer, snow cones, and various snacks, then purchase a tram souvenir and enjoy the view from the deck. Rendezvous Mountain Sun Valley Sun Valley Ski Resort is home to two majestic mountains perfect for skiing — and sightseeing. Bald Mountain, or “Baldy” to regulars, has absolutely no flat areas. The lift lines on Baldy move rapidly and ski trails along the mountain challenge skiers of all ability levels. Dollar Mountain, Sun Valley’s other popular mountain destination, is home to the world’s first chairlift. Today, five lifts and 628 feet of vertical draw skiers from all over the world. Experts, beginners and sightseers alike will appreciate the breathtaking views from atop both of these mountains. 44 January/February 2015 Sun Valley See every photo in high-resolution, as well as an interactive guide to the photos in our iPad app. Download Zions Bank Community on iTunes. See every photo in high-resolution, as well as an interactive guide to the photos in our iPad app. Download Zions Bank Community on iTunes. Sunset on the Great Salt Lake from Bountiful’s East Bench Grand View Point Overlook 46 January/February 2015 Shafer Canyon Overlook LDS Church Office Building If mountains aren’t your thing, you can still enjoy sweeping views of Salt Lake City from the heart of downtown. The 26th-floor observation decks of the 28-story Church Office Building of The Church of Jesus Christ of Latter-day Saints offer views of Ensign Peak to the north, the Great Salt Lake to the west, the mountains to the east, and the sweeping valley to the west and south. Bountiful’s East Bench LDS Church Office Building Almost any vantage point along or above Bountiful Boulevard in Bountiful, Utah, offers spectacular calendarworthy views of the sun setting over the Great Salt Lake. The variety of colors and cloud configurations changes nightly and never fails to evoke awe. Sit in your car to take in the view, stroll along the boulevard, or for an even better look, hike up one of the trails such as Mueller Park, Bonneville Shoreline, Holbrook or Wild Rose. Canyonlands — Grand View Point Overlook The Grandview Point Overlook in Canyonlands is one of the most easily accessible viewpoints in Utah’s largest national park. The 6,080-foot-high lookout is just a mile from the trailhead (located at the end of Grand View Point Road) and offers a panoramic view of the Canyonlands’ Needles District, the Green River and the deep red rock canyon. The hike follows the edge of the park’s Island in the Sky mesa and can be completed in about 90 minutes. Limited views of the red rock cliffs and canyons are visible during the hike, but once at the Grand View Point Overlook, there’s nothing obscuring the spectacular view in any direction. Canyonlands — Shafer Canyon Overlook Zions Bank Building in Boise The Canyonlands’ Island in the Sky area has more than its share of spectacular views, including this one at the Shafer Canyon Overlook. From here, hikers can look back at the challenging switchbacks of the trail — often occupied by hikers or recreational vehicles — that follow red rock cliffs 1,200 feet above the river below. The outlook also offers views of the Colorado River to the east and sits just a quarter mile from the road. Zions Bank Building in Boise Zions Bank Building — Boise The new Zions Bank Building at Eighth and Main is a welcome fixture in downtown Boise, occupying an area formerly known as “the hole” that was vacant from 1987 until the 18-story structure was built. The top of the building offers stunning views of Boise, including the Capitol Building and other downtown fixtures, the greener residential areas beyond, and the rolling hills surrounding the city in the distance. Community Magazine 47 By Natalie Hollingshead Weller Book Works 48 January/February 2015 Photos by Kevin Kiernan Ken Sanders One of life’s great pleasures is reading a good book on a blustery day. Or a warm day. Or at 10,000 feet above ground. Actually, any day is a good day to read a book. And while this may come as a surprise to the younger generation, the Internet isn’t the only place to buy your next tome. Tony Weller Books on Broadway in Idaho Falls “I compare browsing on the Internet versus at the bookstore to reading a menu in a restaurant and having a sample of the food,” says Tony Weller, owner of Weller Book Works at Trolley Square in Salt Lake City. “You shouldn’t mistake the menu for the meal.” At the local bookstore, you can browse the stacks, warm beverage in hand, then sit and enjoy the cozy atmosphere while you preview your read. In addition to new books, many local bookstores carry used books, which are great for your wallet. They also house rare books, which are great for gifts and collections. An added bonus is that your dollars stay in the local economy. Books With Historic Karma Weller, who owns and operates the 85-year-old bookstore with his wife, Catherine, considers himself a curator of books. The store sells new and used books and stocks a substantial collection of rare books. His rare book room is packed with approximately 10,000 titles, ranging in price from $25 to $1,000 with extremely valuable titles selling for as much as $120,000. These books exude “historic karma,” he says, and make excellent gifts for readers. The most valuable titles are those that are not only hard to find, but historically significant and emotionally poignant. “Our bookstore’s reputation is known all over the world,” Weller says. “We have people come from Japan or Europe or Africa. They tell me, ‘I was told when I came to Salt Lake City I had to come to your bookstore.’” Community Magazine 49 Although collecting rare books can be a serious undertaking, it doesn’t have to be. Some collectors may agree with the “look but don’t touch” school of thought, but books are meant to be read — even rare books, says Ken Sanders, owner of Ken Sanders Rare Books in downtown Salt Lake City. According to Sanders, whose antiquarian bookstore carries close to a quarter-million rare and used books, anyone can become a collector. “The only worthwhile rationalization for acquiring books is because you love them,” Sanders says. “If someone mentions ‘investment’ to you, run the opposite direction.” Collections can be put together fastidiously or haphazardly and can be done on any budget. “There are no rules,” he says. “You can collect paperbacks, or hardbacks over paperbacks, or first editions in dust jackets over merely hardbound editions, or whatever it is that you like.” Well-paying Hobby At Dog-Eared Books in Afton, Wyoming, owner Cynthia Wade handpicks the titles that line the shelves at her homey bookstore. “I am extremely picky about the content or condition of the books I sell,” says Wade, who operates the bookstore as a “well-paying hobby.” “I bring in a lot of new regional books, stories about mountain men, settling the west, cowboy poetry and field guides.” A majority of the 8,000 to 10,000 books at her store are used, but there are new books and souvenirs in the retail mix, too. There are ottomans and chairs throughout the store, making it easy for people to “come in, sit down and read.” Last year Wade closed her shop from February through April since business is notoriously slower then and she wanted to do some traveling. Ken Sanders with a copy of the first book he ever purchased. Gathering Place Iconoclast Books in Ketchum, Idaho, is a gathering place for readers of all ages, authors, musicians and poets. Its open mic nights, author readings, poetry slams and book clubs are popular among locals and out-of-towners. Housed in the Christiania Building on the corner of Sun Valley Road and Spruce Avenue, Iconoclast is filled with thoughtfully collected new, used and rare books, along with gifts and toys. Don’t forget to sample the famous homemade chai tea at the in-house Iconoclast Café. The store came near closure in spring 2014, but a successful Indiegogo campaign helped owner Sarah Hedrick, whose late husband Gary Hunt founded the store in 1993, keep the Iconoclast doors open for business. “So many people tell me, ‘This is the best bookstore I’ve been to in years.’ They don’t say forever, and I think it’s telling because so many fabulous bookstores have gone out of business. We are one of those last remaining independent bookstores. People who appreciate indie bookstores are incredibly generous in their support in hopes that we can be around for another 20 years.” 50 January/February 2015 Books on Broadway in Idaho Falls Every Princess Needs a Prince and a Castle. Situated only minutes between Sundance Resort and Deer Valley Resort, and just 45 minutes from Salt Lake City, the beautiful Heber Valley is a quick and convenient family escape that offers a wide-range of adventures and activities year-round. Visit us online for more information at: GoHeberValley.com SamScholesPhoto.com BryanRowland.com IceCastles.com TeaTreePhotography.com LonLovett.com Rising from the ground, one icicle at a time, the Midway Ice Castle. Come experience vivid glacial hues by day and nightly displays of millions of tons of illuminated ice. Tickets available at: Everyone hates tangled cords. Instantly untangle, organize and protect your cords with Recoil. AUTOMATIC CORD WINDERS never fight tangled cords again 25% off for Zions Bank customers Visit recoilwinders.com and enter code “Zions25” at checkout 866.660.8661 :: Proud partners with Zions Bank :: Park City, UT :: recoilwinders.com WE CLIMB FOR } healthy lungs and clean air. Sign up now at www.lungutah.org FEBRUARY 28, 2015 – 8 A .M. ZIONS BANK BUILDING One South Main, Salt Lake City, UT 84133 • 801-931-6041 Fighting to Save Lives One Breath at a Time AMERICAN LUNG ASSOCIATION Breathing is easy for most people, but not those who suffer from asthma — a lung disease in which the airway becomes inflamed and narrow, resulting in wheezing and shortness of breath. It affects men, women and children of all ages and ethnicities. According to the American Lung Association’s website, www.lung.org, 26 million Americans suffer from asthma, with 7 million of those being children. In Utah, 72,000 children fight asthma every day. By Kristi Coleman Photos of 2014 Fight for Air Climb event courtesy of Zions Bank Asthma is one of many lung diseases the American Lung Association is trying to fight. While there are different triggers that can cause one’s symptoms to worsen and result in an asthma attack, one of the biggest triggers is poor air quality. “The air quality is getting worse, therefore, we need to do all we can to keep the air clean,” says Andy Boyce, manager of development for the Utah chapter of the American Lung Association. The worst time for poor air in Utah is during the winter months when much of the northern part of the state is covered by an inversion, which occurs when cold air gets trapped beneath warm air. Air pollutants such as smog and smoke are trapped, making a dangerous situation for those who suffer from asthma and other lung diseases. “Individuals with asthma should avoid going outside on poor air quality days,” Boyce says. Community Magazine 53 Breathing Easier The American Lung Association’s mission is, “To save lives by improving lung health and preventing lung disease.” The Utah chapter is solidly focused on that mission and involved in programs and efforts throughout local communities to raise awareness on lung disease risks, treatments and prevention. Boyce says there are several local programs in place that are helping in its quest to educate people about lung disease and to save lives. The Better Breathers Club is a local support group for those who suffer from lung disease. Camp Wyatt is a week-long summer camp in Tooele for Utah children suffering from asthma. Open Airways for Schools is a program available to children with asthma that teaches them about the disease and how they can manage it. The Idaho chapter offers many programs and events to support the American Lung Association’s mission. Freedom from Smoking is a group clinic geared towards helping smokers quit. Not on Tobacco is a local program designed to help teenagers stop smoking. Through the Teens Against Tobacco Use program, local high school students teach elementary school students about the dangers and consequences of using tobacco and how to avoid it in the first place. Fight for Air The “State of the Air” app is a tool developed by the American Lung Association that provides users with the current air quality index and information on how clean or polluted the air is through a color-coded system. “It’s a good app,” Boyce says, “it’s there to educate.” The free app can be downloaded and accessed anytime on smartphones. On Feb. 28, Zions Bank will host the American Lung Association’s 2015 “Fight for Air Climb” fundraiser in downtown Salt Lake City. During this event, participants will race up hundreds of steps in the Zions Bank Building in an effort to raise money for the fight against lung disease. Proceeds from the event will further the efforts of the American Lung Association to provide education on lung disease and conduct research that can lead to saving more lives. More information on this event, other local programs in Utah and Idaho, and the American Lung Association’s numerous efforts to fight lung disease and save lives can be found at www.lungutah.org and www.lung.org/associations/states/idaho. 54 January/February 2015 y a w a t e r Ge o f e er b v e n e lik aurants t • s e R s ool • Swimming p ing k r a • RV p eback Rid s • r o g H in p s • am • ATV rental Hotel C e r o t s General ThE ClOsEsT AcCoMmOdAtIoNs To BrYcE CaNyOn NaTiOnAl PaRk Jayne Sorrels Sorrels’ life story goes back to Saratoga Springs, New York, where she grew up and attended college. After studying liberal arts and comparative religions at Empire State College, she uprooted and headed west to Boise, Idaho, in 1986 with her then husband and settled down to start a family. Ironically, the life she has now began when the marriage ended. She found herself in a city she didn’t know with three kids and no plan. “This was the beginning of my own struggle,” Sorrels says. “I had to lean on others and who knew then how much that would help me now.” An experience she had at age 8 awakened her innate humanitarian instincts. “My grandmother worked for a Roman Catholic monsignor in Poughkeepsie, New York, and one time while I was staying with her she fed me a bowl of hot prunes for breakfast,” Sorrels says. “While I was trying to find a way not to eat them, the monsignor came in and began telling me about the struggles he had growing up in Poland and how his whole family would feed off old, crusty bread that he and his brother would find in garbage piles. I couldn’t imagine anyone living like this, and my heart opened deeply.” Making a Career Out of Serving A Life of Service History is shaped by individuals with a driving desire to make a change. If we’re lucky, that change makes the world a better place. Jayne Sorrels of Boise, Idaho, is one of those people. She’s spent her life and career losing herself in finding the best in others. By Jon Lamoreaux Photo by Kevin Kiernan Before becoming one of the founders and the executive director of Boise’s Interfaith Sanctuary, an overnight shelter for homeless men, women and children, in 2005, Sorrels found ways to merge her two lifelong passions — the arts and human rights — to help others. She first worked with troubled youth, and then started a prison ministry. In her present role and through her dedication to human rights, she has positively impacted the lives of hundreds of people marginalized by society. Here to Serve “My understanding of life is that we are all here to serve,” Sorrels says. “As time has progressed I’ve come to understand that we are all connected, all part of the wholeness, and so it is our responsibility to care for one another.” 56 January/February 2015 When forced by circumstance to find a job, it’s not surprising Sorrels began her career as the youth-at-risk project director for the Idaho Commission on the Arts in 1992. Under the guidance of her mentor, Executive Director Margot Knight, Sorrels implemented her idea of pairing artists of all disciplines with first-time status juvenile offenders. She hoped to prove that an outlet for their creativity could teach the teens better coping skills. She was right. “Creative kids are the ones getting into trouble because they learn in different ways,” Sorrels says. “It was compelling for the kids to see people who made a living doing art. When they would engage in art they would start feeling good about themselves, which leads to kids seeing their parents be proud of them for the first time in their lives.” After the Idaho Commission of the Arts, she served in various capacities with the Boise YMCA, the Boise City Arts Commission and the Interfaith Alliance of Idaho before helping to create the Interfaith Sanctuary. Now in its ninth year, the sanctuary is the culmination of her past work experiences, the hardships in her life, and her humanitarian feelings beginning with the day she stared sadly at a bowl of hot prunes. “My own heart has been broken innumerable times, and I know that I’m a more loving and compassionate person because of this,” Sorrels says. “To others looking to find similar fulfillment, I say, ‘Ask yourself what breaks your heart and then find a place to serve. Just begin.’” John Resor In Pursuit of Excellence When businessman John Resor made plans to develop a portion of the family cattle ranch into a golf course and housing development, no expense was spared. Plans totaled more than $130 million and called for luxury amenities at every phase — a golf course designed by the legendary Tom Fazio, commissioned art in the clubhouse and a restaurant with chairs upholstered in Italian leather. Even when the economy took a turn for the worse in the middle of construction, Resor refused to scale back. By Amelia Nielson-Stowell Photo by Matt Thomas 58 January/February 2015 “We opened during the recession in 2009, and if we didn’t have the best golf course and best clubhouse in the region, we would have been in trouble. But people were attracted to quality,” Resor says. Shooting Star in Jackson Hole boasted 189 members when it opened, with an annual membership fee of $100,000. Working for two-and-a-half decades on some of Jackson Hole’s major development projects taught Resor a thing or two about excellence, from a stint as president of Jackson Hole Mountain Resort to president of Granite Ridge Townhomes. “What I learned was always try and achieve the highest quality you can. Don’t cut any corners. It’s always better to come out with the best product,” he says. Resor moved to Jackson Hole, Wyoming, in the late 1980s to get involved with the development of the Teton Village. His family had owned the adjoining land for decades and didn’t want the resort to sprawl down the road towards the family ranch. The Resor family history in Jackson Hole dates back to the Depression, when Resor’s then 11-year-old father, Stanley, visited the area for the first time. Stanley called home to tell his dad about the picturesque mountains and western charm, and his father bought 100 acres on the advice of his preteen son. Three generations of Resors spent their summers vacationing in Jackson Hole, more acres were purchased, and they soon started Snake River Ranch. Today, that fulltime cattle ranch totals 3,800 head of cattle a year and is the largest working cattle ranch in Jackson Hole. The 85-year-old ranch is what drove the family to develop Shooting Star. “Having a real estate component on that land makes ranching sustainable,” Resor explains. The family has permanently protected more than 1,800 acres of their ranch as open space and listed it on the National Registry of Historic Places. “Growth always has to be balanced with preservation,” Resor says. “Along with growth comes responsibility.” Homes at Shooting Star stop at the north end of the golf course, so views of the three surrounding mountain ranges from the greens are not hindered. Natural hills, streams and five lakes are incorporated into play. “We are marketing to families,” Resor says. “It’s not just about golf. It’s hiking, skiing, fly fishing. We didn’t want to be a golf club; we wanted to be a real family oriented, year-round club.” A family man himself, Resor grew up one of six brothers in New Canaan, Connecticut, and raised his own five kids in Jackson Hole where they rode horses and explored the mountains. And today, they walk a few minutes from their backyard to golf off the 15th tee. “I’m not a great golfer, but golfing gets you out for family time,” Resor says. “When you’re golfing, you have a captive audience with your wife and kids.” Cyber _Defense/ Shielding digital information against theft and compromise is a growing technical and legal challenge. We help clients identify and reduce exposure to data breaches, properly respond to a breach, and mitigate the risk of related litigation. Snow, Christensen & Martineau’s Cyber Defense Law Group Protecting clients and the flow of information. Risk Management—identifying & mitigating vulnerabilities Snow Christensen & Martineau Breach Response—guidance in emergency situations Education and Training—preparing & empowering your team Corporate Governance—advising on fiduciary obligations Intellectual Property—protecting vital business assets Cyber Insurance—coverage analysis & claims defense l 801.521.9000 · www.scmlaw.com For more information email our team at cyberdefense@scmlaw.com Tammy Georgelas · Robert Denny · Tsutomu Johnson l 801.521.9000 · www.scmlaw.com For more information contact: Tammy Georgelas at tbg@scmlaw.com Geraldine’s Bake Shoppe and Deli Jay Bungard and his son A.J. Photos by Kevin Kiernan Jay and Merry Bungard were living happily in Kansas when the telephone rang one day. It was a call from Merry’s sister inviting them to come run her bakery business in Idaho. Speaking on Business Hosted by Chris Redgrave See www.speakingonbusiness.com for radio listings. At the time, Jay and Merry were pleased with how things were going in Kansas, so it took some convincing to get them to make the trip back to Idaho where Merry was raised. But they agreed, made the move, got to work and have been running Geraldine’s Bake Shoppe and Deli ever since. In fact, this year marks the deli’s 20th anniversary. The Bungards now operate two new Geraldine’s locations in Idaho Falls, Idaho, that are local favorites. Only family recipes are used, and Jay and Merry added some of their own. They’re good enough for the Idaho Falls Post Register to name Geraldine’s Bake Shoppe and Deli the No. 1 bakery in Idaho Falls for the second year in a row. It’s the high-quality ingredients and outstanding service that are part of the secret to their success. Dinner rolls are what they’re most famous for, and they sell a lot — especially at Thanksgiving. A few years ago, they sent 100,000 rolls out the door in just four days. And it’s not unusual for them to sell 600 pies during the holidays or 6,000 sugar cookies for Valentine’s Day. Through the years, they’ve added a lot of product lines, including Reed’s Dairy products. Geraldine’s Bake Shoppe and Deli is the only business in that part of Idaho Falls to sell Reed’s ice cream, and customers love it. Baked goods sold include truffles, petite fours, peanut butter bars and lemon bars. They’re open for breakfast and lunch and offer a selection of soup and sandwiches. They’ll also create personal gift baskets for any occasion during the year. What started as a family affair continues to be a family affair. All of their kids have worked for Geraldine’s Bake Shoppe and Deli at one time or another. This taught all of them to work hard. Geraldine’s Bake Shoppe and Deli 3160 E. 17th St. Ammon, ID 83406 208-552-7057 www.geraldinesbakery.com 60 January/February 2015 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 RAM Company Ray, Melzie and Kevin Gankowsy with CFO Doug McCann Photos courtesy of RAM Ray and Melzie Ganowsky were a successful working couple raising their family when they realized something important: The only time they were spending together was in the evenings after work. During those few hours at the end of each day, they were tired and needed to take care of their children. So they decided to go into business for themselves, so they could spend most of the day together. They launched RAM Manufacturing Company right out of their garage in St. George, Utah. Speaking on Business Hosted by Chris Redgrave See www.speakingonbusiness.com for radio listings. 62 January/February 2015 The success of their idea can be seen in the growth of RAM Company, which now employs more than 200 people and averaged more than 12 percent growth every year for a decade. They’re also planning to add another 60,000 square feet of space to their main building, breaking ground this year. RAM designs, manufactures and tests all of its products in St. George. The company manufactures more than 1,600 part numbers, primarily custom solenoids, solenoid valves, check and relief valves, and pressure switches for the aerospace industry. RAM exports products all over the world, contributing to Utah’s impressive export totals. Growth projections for the company are solid over the next five to 10 years in providing parts for Boeing, Airbus and the military. The first product Ray and Melzie invented for their company was an automatic choke for Kohler in 1975. They bought a lathe machine and operated it in the garage. Ray’s father, a machinist by trade, came from Montana to help while they were trying to find a machinist for hire in town. While Ray and his father cut the parts, Melzie and the kids assembled the pieces like a puzzle into the complex parts. Around 120,000 automatic chokes later, they decided it was time to find a bigger space. Ray and Melzie still come into the office every day, but take pride in the second and third generations of family who continue to grow the business they built. Their son, Kevin Ganowsky, is now the president of the company, and their grandson, Brian McCann, serves as materials manager. RAM Company 3172 E. Deseret Drive South St. George, UT 84790 435-673-4603 www.ramcompany.com Clark Hinckley A Man on a Mission Hinckley, a member of Zions Bank’s board of directors and retired senior vice president of Zions Bancorporation, is author of the book “Christopher Columbus: A Man Among the Gentiles.” After completing extensive research on Columbus by looking into original Spanish texts and Columbus’ own journals, Hinckley discovered what few people today know about the superb navigation skills Columbus possessed and the mission he felt divinely called to fulfill. “With a hand that could be felt, the Lord opened my mind to the fact that it would be possible to sail, and he opened my will to desire to accomplish the project,” wrote Columbus. “This was the fire that burned within me … . Who can doubt that this fire was not merely mine, but also of the Holy Spirit ... urging me to press forward?” And press forward Columbus did. Despite repeated rejection from King Ferdinand and Queen Isabella of Spain, Columbus firmly believed he needed to sail to the Indies to fulfill prophecy. Hinckley’s book takes an LDS viewpoint on this belief, pointing out that the “Book of Mormon” actually includes a prophesy of Columbus sailing to the Americas. Best Navigator and Sailor of His Time Dr. Brett Jacobson Photos by Kevin Kiernan Author Defends Christopher Columbus Most schoolchildren know the couplet, “In 1492, Columbus sailed the ocean blue.” But few know this pioneer of a seaman introduced tomatoes, hot peppers, potatoes and especially chocolate to the world outside the Americas. By Katie Smith Photo by Scott Halford “The man was a genius,” wrote Italian historian Paolo Taviani. “Only with Columbus’ undertaking did Europe, Islam, India, China and Japan learn of the existence of a new world, and that changed the course of human history profoundly.” In recent decades, however, Columbus has been highly criticized by political activists and often portrayed as a murderer and a destroyer of the pristine environment of the New World. Although he was not the most successful early leader in the West Indies, “most people know surprisingly little about this remarkable man and the way he shaped the modern world,” said Clark B. Hinckley at a recent Premier Wealth Management Speaker Series luncheon in Salt Lake City. 64 January/February 2015 Columbus was quick to give God credit for his innate capacity to observe nature. “I prayed to the most merciful Lord concerning my desire,” Columbus wrote, “and he gave me the spirit and the intelligence for it. He gave me abundant skill in the mariners’ arts and adequate understanding of the stars and of geometry and arithmetic.” According to Hinckley, “Columbus had very little formal education, but became indisputably the best navigator and sailor of his time.” Columbus unlocked the secret of the Atlantic trade winds and made several remarkable conclusions from his voyages. By studying deviations in his compass, he concluded correctly that the world was not a perfect sphere, and observing the strong flow of the Orinoco River into the sea, Columbus concluded that Venezuela was a “new and hitherto unknown” continent and not just another island. Although Spain didn’t immediately experience the wealth Columbus had promised Ferdinand and Isabella, a decade or two later the country was not only the largest empire in the history of the world but also the wealthiest. But by then Columbus had already died, as unnoticed as he was when he was born. “The man who emerges from Columbus’s own words and the words of people who knew him is very different from the vain, greedy and self-promoting man portrayed so much in the current literature,” Hinckley said. “What emerges instead is a man who is unwavering in his convictions — a man of great personal faith who recognized his own weaknesses and gave credit to his God for his success.” Help Make Utah a No-Kill State. Join Us at NKUT.org Most Powerful Women in Banking Representatives from Zions Bank’s executive and senior management teams celebrate the American Banker Top Banking Team award in New York City on Oct. 9. Zions’ Women Among Nation’s Top Teams Once again, Zions Bank’s women bankers were honored as one of the top banking teams in the nation in American Banker magazine’s prestigious “Most Powerful Women in Banking” issue published in October 2014. By Heidi Prokop This marks the fifth time Zions’ women have been recognized by the publication as a top team. Zions Bank was honored at an awards ceremony hosted by American Banker on Oct. 9 in New York City. In addition, LeeAnne Linderman — executive vice president of Retail, Mortgage and Omnichannel Banking for Zions Bank — ranked No. 14 on the magazine’s list of the “25 Most Powerful Women in Banking.” Linderman was honored for her community service and efforts to create Veteran Mothers, a new nonprofit benefitting homeless female veterans and their children with housing, healing and hope. Linderman has been individually listed among the women’s rankings in the magazine seven times. She is responsible for Zions Bank’s network of 126 financial centers and 1,114 employees in Utah and Idaho. She also directs Internet and mobile banking, ATMs, consumer and mortgage lending, retail sales administration, executive banking, and the bank’s diverse markets initiative. Active in the banking industry, Linderman is a member of the American Bankers Association’s Professional Development Council. She was the first-ever female chairperson of the Utah Bankers Association from 2008 to 2009. 66 January/February 2015 Robert James According to American Banker, Zions is one of five banks “where women are playing outsized roles in setting strategy and driving results.” Women comprise 40 percent of Zions Bank’s corporate officer positions, and female executives make up 36 percent of the bank’s executive committee. Since 2007, Zions Bank has run a robust development program for hundreds of talented women officers called the Women’s Business Forum. Women hear from speakers Zions Bank President and CEO Scott and discuss leadership and Anderson congratulates LeeAnne Linderman, named one of the 25 Most career development. In Powerful Women in Banking. 2009, the bank launched a formal mentoring pilot program targeting women officers, which expanded into a bankwide initiative supporting the career growth of more than 500 employees. “These women officers are great bankers, and they’re also community activists,” Zions Bank President and CEO Scott Anderson told the magazine. “They have a real desire to create value not only for our customers, but also for the communities in which we operate.” Condotel Mortgages Niche Loans for Niche Vacation Properties Rather than buying a second vacation home, a traditional apartment-style condominium or a time-share condominium, people are turning to the condotel — a unit in a hotel-style condominium complex. This increasingly popular type of vacation property offers hotel-style living with the added ownership benefit of income generated from nightly rentals. By James Rayburn 68 January/February 2015 Owners of a condotel can use the unit anytime they want, choosing when to make it available for rent. Timeshare owners, on the other hand, compete with other owners for availability. Condotels also don’t have the yard maintenance obligations and expense that traditional second homes have. In resort towns like Sun Valley and McCall, Idaho; Bear Lake, Moab and Park City, Utah; and Vail, Colorado, there are more condotels constructed than any other vacation-type property. Buying a condotel, however, has its challenges — mainly in financing. Condotels don’t meet the underwriting standards of traditional mortgages such as Fannie Mae, FHA or Freddie Mac. “For whatever reasons, they have chosen not to underwrite loans for the purchasing of these types of property,” says Jeremy Lowry, president of Home Financing for Zions Bank. “It’s a type of mortgage that those programs simply don’t offer.” Zions Bank, recognizing the increasing demand for condotel mortgages, recently began offering them as part of its loan portfolio, meaning the mortgages are held inhouse and not sold. “It’s a new program and not for everybody, but it’s a great niche market that we have identified,” Lowry says. “It’s a product we’ve been offering since mid-2014. So far it’s been well-received. For those shopping for a condotel who find their financing options are limited, we offer a program that is highly competitive and a great alternative to paying cash or using equity out of your home.” Zions offers a competitive adjustable-rate interest on its condotel mortgages with a variety of terms to suit your needs. Zions condotel mortgages have some specific requirements, however. For example, the condotel unit must have a fully functional kitchen, it must have at least one designated parking stall and the complex has to be at least 50 percent sold. In other words, the mortgage is not available for projects that are being held as rental properties by a developer or that are new. “It’s not really an option for projects that are in design or just being offered for sale, but it’s great for projects that are nearing sold-out and full-occupancy status. We don’t want to be the first mortgage in a project. We want to know that there is evidence of stability,” Lowry says. Condotel mortgages are also not designed for investment purposes. “Obviously, anytime you buy real estate there are associated risks,” Lowry says. “So buying a condotel and using this financing program are designed for someone who is at the right point in their life to where owning a second home or vacation property makes both financial and lifestyle sense.” For more information, contact a mortgage loan officer at any Zions Bank location. Loans are subject to credit approval. You have dreams. We have money. With our low rates, your second home can be a dream come true. Welcome to a better way home. Interest rates on loans are near all-time lows, making now the ideal time to buy or build your dream vacation home. When you’re ready for that seasonal or year-round vacation home, we can help you find the perfect loan for your needs. Visit ZionsBank.com/HomeFinancing or call 1-800-316-1600 to learn more. *Loans subject to credit approval. Terms and conditions apply. See financial center for details. Private Banking For Clients Worth $2 Million or More Zions Private Banking, which falls under the umbrella of the Zions Premier Wealth Management Division, was created nearly 20 years ago. The program has grown from a handful of private bankers to more than 20 today. Zions assigns a private banker to clients who earn more than $300,000 annually, who are worth at least $2 million and have at least $500,000 in liquid assets. “This is a program that has seen substantial growth,” Horne says. The program’s primary objective is to ensure that clients can utilize their wealth while also preserving and increasing it. “The private banker is the primary source of contact and referrals for all banking and financial services these clients might need,” Horne says. “We manage the operations side of things. We manage the financial portfolios of these high-income and high-worth clients in every and all ways.” Besides assisting clients in opening accounts, processing loans (business, specialized and personal), making funds deposits and transfers, and helping with other everyday banking needs, the private banker coordinates all of the services offered by the Premier Wealth Management team, such as estate planning, asset management, tax advice and more. “We work really hard to understand what they want and need and where they may have risks. We get to know their character and we get to know their families.” Helping High-net-worth Clients Utilize and Preserve Their Wealth Accruing and managing wealth can be a time-consuming lifestyle. Though a quandary most of us would welcome, there is significant financial sophistication that comes with being rich. By James Rayburn Zions Bank recognizes that those who earn and accrue a lot of money have special banking needs — needs that can’t always be met at a drive-up window or in a bank lobby. The wealthy require more personalized banking attention. They need their own banker. “Our high-net-worth clients are busy,” says Stephanie Horne, director of Zions Bank’s Private Banking Division. “They have businesses to run. They have families to spend time with. They don’t always take the time necessary to properly manage their money. Sometimes they put their banking on the back burner and don’t always take it as a first priority. So we do that for them. The finances of these clients are more complex and more challenging, so we assign them a private banker.” 70 January/February 2015 Personalized Banker-client Relationships “Private banking provides a specialized adviserbanking relationship that is able to assist with all personal, business and complex financial needs by working with a team of bankers that ensures every specialized service is provided,” Horne says. The personalized side of Private Banking is perhaps most valued by clients. The private banker communicates with clients as often as preferred. For some it’s daily. For others it’s weekly, monthly or quarterly. The private banker also acts as a concierge of sorts by providing VIP service in handling travel and dining arrangements, providing credit card products and facilitating fraud monitoring protection. “Our expertise is really in how well we know our clients,” Horne says. “We work really hard to understand what they want and need and where they may have risks. We get to know their character and we get to know their families. From something simple to something complex, we want to understand any and all of their needs so that we can proactively advise them on how they can utilize their wealth and also protect it.” The path to financial freedom shouldn’t be traveled alone. Let financial professionals guide you. Our Premier Wealth Management Group offers a full suite of services designed to help you succeed with your finances. To get started on your path to financial freedom, meet with a wealth management consultant by calling 888-290-8488 or visiting zionsbank.com/wealth. * Zions offers wealth management services through various affiliate companies and non-bank subsidiaries including Contango Capital Advisors, Inc., which operates as Zions Wealth Advisors in Utah and Idaho. Contango Capital Advisors is a registered investment adviser and a non-bank affiliate of Zions Bank and a non-bank subsidiary of Zions Bancorporation. Online Bond Auctions and some investment products and services are offered by Zions Direct, a non-bank subsidiary of Zions Bank, and a member of FINRA/SIPC. Trust Services are provided by Zions Trust, National Association (ZIons Trust). Cash Management services are provided by Zions Bank, Contango and Zions Trust. Deposit products are provided by Zions Bank, Member FDIC. Investment products and services are not insured by the FDIC or any federal or state governmental agency, are not deposits or other obligations of, or guaranteed by Zions, Zions Bancorporation or its affiliates, and may be subject to investment risks, including the possible loss of principal value or amount invested. Insurance services are offered through Zions Insurance Agency, Inc., a subsidiary of Zions Bancorporation. Insurance products offered through Grant Hatch & Associates. Insurance products: Not FDIC-insured - No Bank Guarantee - May Go Down in Value Community Magazine 71 Special Assessment Bonds The Value of Special Assessment Areas An Effective Finance Vehicle for Communities By Jon Bronson and Jonathan Richards When building a new community, developers are generally required to install the basic infrastructure and then turn over those improvements to a local governmental entity. One of the tools that local governments use to assist developers in this process — and to increase control over the quality of the infrastructure — involves the creation of a Special Assessment Area, but that tool may soon come under attack. A Special Assessment Area is not a new governmental entity; it is a geographic grouping of properties that become collateral to secure a bond and obtain financing, similar in principle to how a mortgage works. The resulting lien takes precedence over any other liens (with the exception of property taxes), but the lien itself is limited to the value of the improvements — which translates into increased property values — negating any net impact to any other lienholders. Because of their position at the head of the line, however, Special Assessment Bonds, while still riskier than most other governmental bonds, are purchased by investors who also take into consideration the value of the collateralized property relative to the amount of the lien. 72 January/February 2015 Originally, Special Assessment Areas were used to finance curb, gutter and sidewalk replacement for established residential areas. As neighborhoods aged, the concrete infrastructure would wear out and break. Using a Special Assessment Area, the cost of replacing those improvements was borne by the homeowners who use them the most and whose home values increase because of the replacement. Over time, they also began to be used to finance the development of infrastructure (roads and sidewalks, sewer lines, water lines, etc.) in new communities. The Millcreek area of Salt Lake County in Utah is an example of the positive impact a Special Assessment Bond can have. The infrastructure for the water lines in the area failed to meet fire-flow requirements, yet there was no responsible party capable of fixing the problem — a problem which led to higher insurance premiums and greater fire risks for local residents. However, as an unincorporated community, Millcreek had no ability to float bonds in order to raise the necessary capital for the improvements. After a fire at Wasatch Jr. High, property owners met with community, city and county leaders to find a solution. The answer was to create a Special Assessment Area to finance the water-system improvements and solve the problem. Ultimately, the assessment area was created, enabling the county to issue bonds and fix the fire-flow problem. The Danger Facing Special Assessment Bonds These bonds only work, however, because the assessment lien is ironclad after formation. Property owners are given repeated opportunities to contest the creation of a Special Assessment Area throughout the creation process, but that opportunity ends once the assessment is in place. Under current law, the bonds and accompanying liens cannot be challenged. This is the only way to entice investors to take on the risk of purchasing such bonds. Any legislation which enables challenges to the assessments after the bonds have been issued would make investors unlikely to risk buying the bonds in the first place. Local communities would lose a tool that can assist developers to cooperatively install basic infrastructure. Development and improvement in many places would then slow due to lack of financing, slowing the accompanying economic growth. (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 Regardless of your stage in life, we provide legal service to help protect your future. Our Family and Elder group includes tax and estate planning, adoption, immigration, divorce and elder law assistance. Tax & estate planning: We advise and implement financial planning strategies for high net worth individuals, business owners and senior executives on a range of situations and issues. Adoption: We have a full-service adoption practice providing representation for all types of domestic and international adoptions. Immigration: We provide immigration assistance for individuals and families, employment-based immigration, non-immigrant and immigrant visas and naturalization and citizenship. Elder law: We are experienced in the full scope of Utah laws related to elders such as decisions about long-term care, wills, estate planning and guardianships. Who’s protecting your future? Family & Elder Law A T T O R N E Y S A T L A W Kirton McConkie is a full-service law firm successfully representing business, intellectual property, real estate, litigation, international, technology, healthcare, construction, employment, tax, estate planning, family and elder law clients. Salt Lake City, UT 801.328.3600 www.kmclaw.com feature &leisure guide dining community To be listed in the Community Dining & Leisure Guide,ZIONS please call an BANK advertising consultant at 801-417-3000 for listing rates. TRAVEL – HEALTH – FOOD – FINANCE community community ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE ZIONS BANK TRAVEL – HEALTH – FOOD – FINANCE Community Magazine ZIONS BANK 75 dining featureand leisure guide Black Swan Inn & Destinations Inn Relax in a two-person jetted tub while experiencing the ambiance created by a luxurious theme room. The Black Swan Inn in Pocatello and Destinations Inn in Idaho Falls can offer such an experience. Beautiful hand-painted murals, big screen TV, massage table, sauna, steamer, fireplace and an aquarium are some of the features you can find at these amazing inns. For more information and pictures, visit www.blackswaninn.com or www.destinationsinn.com. Black Swan Inn 746 E. Center Pocatello, ID 83201 208-233-3051 www.blackswaninn.com Destinations Inn 295 W. Broadway Idaho Falls, ID 83402 208-582-8444 www.destinationsinn.com The Garden Restaurant Built on the location of the Starlight Gardens, The Garden Restaurant retains the charm of that historic open-air restaurant with Corinthian columns and a retractable glass roof. Our delicious menu prepared by Chef Scott Ackley is sure to make your favorites list. Among diners’ favorites are our Chicken Parmesan and Roasted Pacific Salmon Teriyaki, along with our gourmet sandwiches and paninis. Be sure to try our specialty appetizers such as the Fried Dill Pickles or Artichoke Spinach Cheese Dip. 10th Floor, Joseph Smith Memorial Building 15 E. South Temple Salt Lake City, UT 84150 801-539-3170 www.diningattemplesquare.com/garden.html La Caille Located on 20 elegant acres at the mouth of Little Cottonwood Canyon, La Caille offers an unmatched experience and atmosphere. The restaurant, pavilion, gardens and the new Chateau at La Caille all provide spectacular settings for your dinner or private party. Stroll through the 3-acre vineyard, enjoy a canyon breeze on the patio or host an unforgettable event – La Caille is your perfect place. The Lion House Pantry Restaurant Housed in the personal residence of Brigham Young, Utah’s first territorial governor, The Lion House Pantry has great home-style cooking in a self-serve setting. The menu changes daily and each delicious entrée comes with one of our world-famous Lion House rolls. As well, our house salads and home-style pies complement any of our home-style cooking entrées. Come in for a fresh, economical dining option downtown. 76 November/December 2011 January/February 2015 63 E. South Temple Salt Lake City, UT 84150 801-539-3258 www.diningattemplesquare.com/pantry.html 9565 S. Wasatch Blvd. Sandy, UT 84092 801-942-1751 Tue.-Sat. 4 p.m. to 9 p.m. Sunday brunch 10 a.m. to 3 p.m. Sunday dinner 3 p.m. to 8 p.m. Closed Mondays Special events and weddings – 365 days a year dining & leisure guide dining and leisure guide feature Table ONE Table ONE is a place where the food is front and center and No. ONE. We use curated ingredients that represent seasonality, the best from local/regional farms, ranches and select parts of the world. By preparing our menu with health in mind we reduce, and in many cases, eliminate the reliance on fats, butters and cream. The food is luxurious, refined and healthy — we source and curate ingredients to demonstrate the integrity of the food. MacCool’s Public House There are no strangers here ... only friends who have not met! MacCool’s is an authentic and welcoming Irish pub-style family restaurant where all are welcome to enjoy house-created and house-roasted selections of home comfort — light, traditional and seasonal. Enjoy local favorite lamb riblets, an array of burgers from the Burger Board (fried cheeseburger pictured), 17 salads, our signature fish ’n chips, fresh salmon, vegetarian selections and steaks. We have lots of items for the kids, and yes, full beer, liquor and wine for those that choose ‘em. Salainte (cheers)! We do banquets, catering and events. 201 Heber Ave Park City, UT 84060 435-658-2500 theskylodge.com/table-one 1400 Foothill Drive #166 Foothill Village Salt Lake City, UT 84108 801-582-3111 855 West Heritage Park Blvd. Heritage Park Plaza Layton, UT 84041 801-728-9111 In the Ben Lomond Suites Hotel 2510 Washington Blvd. Ogden, UT 84401 801-675-5920 www.maccoolsrestaurant.com Nauvoo Café The Nauvoo Café serves a variety of hot-carved sandwiches, soups and meat pies. Open for breakfast, lunch and dinner this café has become a Salt Lake City hotspot since its opening in January 2007. Succulent meats are carved when selected, then toasted on artisan bread to create a unique, stunning combination during each visit. Come in and enjoy great sandwich combinations in a peaceful setting near the Main Street Plaza. Lobby Level, Joseph Smith Memorial Building 15 E. South Temple Salt Lake City, UT 84150 801-539-3346 www.diningattemplesquare.com/nauvoo.html Red Cliffs Lodge The Red Cliffs Lodge is Moab’s adventure headquarters with a restaurant, pool, spa, horseback rides, museum and more. Accommodations include spacious suites and individual cabins each with private patios overlooking the Colorado River. Dine in our on-site restaurant with spectacular views of the Colorado River and Fisher Towers. Mile 14 Highway 128 Moab, UT 84532 435-259-2002 866-812-2002 www.redcliffslodge.com Red Cliffs Lodge is also home to the largest winery in Utah. Set high on the banks of the Colorado River, Castle Creek Winery and Vineyard is one of the most scenic in the world. Castle Creek Winery offers daily wine tasting, selfguided tours and wine sales. Community Magazine 77 dining &leisure leisure guide dining guide featureand The Roof Restaurant Try dining elevated. The Roof Restaurant is Salt Lake’s premier gourmet buffet, legendary for its cuisine and view overlooking Temple Square. The Roof features a daily variety of American and international entrées, a carving station with prime rib and honey baked ham, as well as salads, cheeses, soups and a renowned dessert buffet. Celebrate your engagement, anniversary, or any special occasion with the elegant atmosphere and world-class dining that is found at The Roof Restaurant. Reservations recommended. 10th floor, Joseph Smith Memorial Building 15 E. South Temple Salt Lake City, UT 84150 801-539-1911 www.diningattemplesquare.com/roof Ruth’s Chris Steakhouse The world-famous Ruth’s Chris Steak House at Hotel Park City features U.S. prime steaks broiled to perfection at 1800 degrees, expertly executed seafood, New Orleans-inspired appetizers, unforgettable desserts and an award-winning wine list. This is a steakhouse to which others aspire. Private dining available for groups and special events. Located within Hotel Park City on the Park City Golf Club. Member of The Leading Hotels of the World. 2001 Park Avenue Park City, UT 84068 Inside Hotel Park City 435-940-5070 www.hotelparkcity.com Ruth’s Diner Since its beginning in 1930 as Ruth’s Hamburgers, we have been serving American comfort food to generations of families. Whether it’s our famous Mile-High Biscuits or our signature Raspberry Chicken, you will be sure to find satisfaction in our array of tempting offerings. Shula’s 347 Grill Shula’s 347 Grill has everything from gourmet salads to fresh specialty fish, and exclusively serves Premium Black Angus Beef® burgers and steaks; the best beef money can buy. At Shula’s 347 we serve SHULA CUTS, which are second to none. The atmosphere of Shula’s is casual, warm, inviting and full of energy, which includes dark woods and dark leather booths, making it the perfect place for you to hold a business lunch, special occasion dinner or private event. 78 January/February 2015 November/December 2011 3524 S Market St, West Valley City, UT 84119 801-966-3470 Lunch Hours M-Sun. 11 a.m. to 2 p.m. Dinner Hours M-Sat. 5 p.m. to 11 p.m. Sun. 5 p.m. to 10 p.m. 2100 Emigration Canyon Road Salt Lake City, UT 84108 801-582-5807 www.ruthsdiner.com 8 a.m. to 10 p.m. daily dining & leisure guide feature Silver Fork Lodge and Restaurant Silver Fork Lodge and Restaurant is open daily for breakfast, lunch and dinner. Voted “Best Breakfast in Utah” by Salt Lake Magazine. At Silver Fork Lodge, you will find an “atmosphere thought to be forgotten” while enjoying finely prepared meals, outstanding hospitality and stunning views of the surrounding mountains. Enjoy the outdoor patio or dine inside next to a roaring fire. Full service liquor license and excellent wine list available. Banquet facilities available for weddings, parties, business meetings and more. 11 miles up Big Cottonwood Canyon 11332 E. Big Cottonwood Canyon Road Brighton, UT 84121 801-533-9977 888-649-9551 www.silverforklodge.com Open daily 8 a.m. to 9 p.m. Torrey Schoolhouse B&B Inn For your next weekend getaway, enjoy Torrey and Capitol Reef in luxury and convenience. Close to great dining, shops and galleries, the newly renovated historic Torrey Schoolhouse B&B combines comfort, quiet and beauty in one of the most spectacular settings in Utah. And it’s only three hours from Salt Lake City! Offering delicious full hot organic breakfasts and massaging recliners in every room, we’re open from March 28 until Nov. 1. 150 N. Center St. Torrey, UT 84775 435-491-0230 www.torreyschoolhouse.com Tuacahn’s 2015 Concerts 2015 SPRING AND FALL CONCERTS 1100 Tuacahn Drive Ivins, UT 84378 877-682-7926 tuacahn.org PLUS MORE CONCERTS COMING Call the box office for season ticket packages. Community Magazine 79 The Last Word By A. Scott Anderson President and CEO, Zions Bank Financial Literacy The Key to a Bright Future Idaho Gov. Butch Otter cut the ceremonial ribbon during the dedication of Eighth and Main on Feb. 12. Photo by Josie Patterson-Halford The New Year can remind us of the potential of youth — opportunities for growth, achievement and success. However, a bright future can be dimmed rapidly if children don’t acquire knowledge and skills related to saving, investing and using credit wisely. Try something tonight. Ask your child or grandchild where milk comes from. The likely response is “the store.” Next, ask them a more important question. Ask them where money comes from. If they are like the typical child in America, the reply may be “Mommy” or “Daddy.” Teaching our children how to manage money is one of the biggest challenges we face as parents. In fact, if we can teach our children the difference between needs and wants, how to budget, and how to save, our children will know more than many adults. But if we get it wrong, our children are likely to join the millions of Americans who rack up huge credit card debt and get stung each month by stiff interest payments. 80 January/February 2015 Perhaps in previous generations, young people could get by without focused financial education. However, in my opinion, financial education for our children is no longer an option, it is essential to building a generation of smart money managers. The financial literacy of our children is a responsibility that must be shared by parents, grandparents, schools, financial institutions and others. Following are a few examples of things that can be done at home to teach financial lessons that will last a lifetime: • Set the example of being a responsible money manager by paying bills on time, being a conscientious spender and an active saver. Children tend to emulate their parents’ personal finance habits. • Talk openly about money with your kids. Communicate your values and experiences with money. Encourage them to ask you questions, and be prepared to answer them — even the tough ones. Discuss how your pay is budgeted to pay for housing, food and clothing, and how a portion is saved for future expenses such as college tuition and retirement. • Bring your children with you when you go to the bank and show them how transactions work. Get the manager to explain how the bank operates, how money generates interest and the various channels available to access your money. • Explain the difference between needs and wants, the value of saving and budgeting, and the consequences of not doing so. • Open a savings account for your children and take them with you to make deposits, so they can learn how to be hands-on in their money management. • Let friends and family know about your child’s savings goal. They’ll be more likely to give cash for special occasions, which means more trips to the bank. In addition to the things you can do at home, Zions Bank is committed to doing its part to enhance the financial literacy of our children. In addition to our ongoing efforts to bring financial literacy programs into our local schools, we have teamed up with the nationally recognized Doorways 2 Dreams Fund nonprofit organization to promote its award-winning financial literacy games. In the games, Celebrity Calamity and Farm Blitz, players deal with budgeting, learn the difference between using debit and credit cards, learn how interest builds up when bills aren’t paid, and are introduced to the concept of investing. You can access these games at www.zionsbank. financialentertainment.org. We are continuing to explore the development of additional online tools and resources for parents and teachers. The financial future of our nation will soon be in the hands of our children. We owe it to them to do everything we can to help prepare them for the financial challenges and temptations they will certainly face. Every one of us can be a resource to them … and it’s never too early (or too late) to start. SELECTED CRUISES With MICHAEL BALLAM Still the Best provider of escorted LDS cruises and guided tours. “Footsteps of Paul” Mediterranean Cruise May 19-31, 2015 Also featuring JACK WELCH “Exotic Holy Land Cruise” Oct 23-Nov 4, 2015 Also featuring ROY CHRISTENSEN “Dubai and Holy Land Spiritual Journey” Cruise Apr 4-20, 2016 Also featuring JOHN LUND and ROY CHRISTENSEN Cruise Lady invites you to experience a relaxing get-away on the open seas while traveling in the safety of a fun-loving adventurous group OR join us on one of our LDS guided tours to Israel & Jordan. With JOHN BYTHEWAY “Family Alaskan Adventure” Cruise Aug 1-8, 2015 “Canada/New England Fall Foliage” Cruise Sep 20-27, 2015 With JOHN LUND “Journeys of Paul” Mediterranean Cruise Mar 18-28, 2015 “Scandinavia & Russia” Cruise Aug 19-28, 2015 “Alaska-The Last Frontier” Cruise Sep 5-12, 2015 Cruise Enjoy a Lady With ROBERT MILLET “Early Church History in the British Isles” Cruise July 8-20, 2015 Also featuring ROY CHRISTENSEN With SUSAN EASTON BLACK & GEORGE DURRANT “Spring Get-Away in Exotic Mexican Riviera” Cruise May 9-16, 2015 “Highlights of Australia & New Zealand” Cruise Feb 2-14, 2016 LDS vacation and discover the difference. Inspiring. Unforgettable. And a whole lot of fun! With JACK MARSHALL “Book of Mormon Comes Alive in Mesoamerica”W. Caribbean Cruise April 11-18, 2015 our Visit call for a “Glacier, Wildlife, & More” Alaska Cruise June 20-27, 2015 or e of e t i “Winter Get-Away in Exotic Mexican Riviera” Cruise s l web schedu S AND Nov 28-Dec 5, 2015 l UR ful 0 TO S! 3 R LAND TOURS O VE CRUISE CALL TODAY 801.453.9444 or 888.707.4386 www.CruiseLady.com ISRAEL and JORDAN with DANIEL C. PETERSON, BRENT TOP, BRAD WILCOX, ERIC HUNTSMAN, D. KELLY OGDEN, ROBERT MILLET, VICTOR LUDLOW, RICHARD DRAPER, KENT JACKSON, and ISAAC CALVERT Cruise Lady ESCORTED CRUISES & HOLY LAND TOURS 9118 S. Redwood Rd. West Jordan UT “Serving the LDS community since 1997” NEVER MISS AN AmaZing™ DEAL Download now for cash rewards, instant deals, and savings updates. 10% CASH BACK Online UP TO $16 CASH BACK West Jordan, Salt Lake City UP TO $25 CASH BACK Salt Lake City, Logan, Boise UP TO 10% CASH BACK Orem COURTYARD BY MARRIOTT RIB & CHOP HOUSE DUKE’S JEWELERS WILD MUSTANG GRILL & BAKERY UP TO $80 CASH BACK St. George UP TO $10 CASH BACK St. George UP TO $50 CASH BACK Springville 10% CASH BACK Orem FITNESS INC HEALTH CLUB SPA & STORE THE ROSE CLINIC AND DAY SPA SLEEP INN HILLSIDE FLORAL UP TO $100 CASH BACK Provo 15% CASH BACK Nampa, Caldwell, Boise, Meridian UP TO $12 CASH BACK Salt Lake City UP TO $20 CASH BACK Pocatello Follow us on zionsbank.com® Member FDIC *The Zions AmaZing DealsTM app is free; however, data rates from your wireless provider may apply for download and use of the app. The AmaZing Deals program requires a Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash Rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating merchants; are subject to change at any time; and may vary by location, day, time or event. See ZionsAmaZingDeals.com for a current list of participating merchants and program terms and conditions. The trademarks depicted herein are the property of their registered owners. BATEMAN IP www.batemanip.com © CHRIS CRAMER ......�����.�������.������� pictureline is a toy store for big kids. ..................................................................................................... .................................................................................................... ...................................................................................................... ................................................................................................. ................................................................................................. ......................................................................................................... – Chris Cramer 305 WEST 700 SOUTH • SALT LAKE CITY (801)364-1200 ALL CANON CAMERAS INCLUDE ONE YEAR CANON USA LIMITED WARRANTY
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