November 2022 Go Sandpoint Magazine

We’ve got

deal, and we couldn’t be more thankful to him and his team. We were working with another

“Lee saved our entire

for weeks, who assured us everything was running on schedule, and then called us

telling us they couldn’t get an appraisal, it wasn’t possible in the area, it was too busy. We got in touch with Lee instead, and he got an appraisal scheduled, and the deal was back on track immediately. His team was prompt with responses and very helpful

before

right before Christmas and were amazing to the very

They got us in

- Alana B, 2022

Wishing you a perfect and happy holiday season and taking this opportunity to sincerely thank all of our patrons this past year. Our little family so appreciates each and every one of you, and we could not succeed otherwise. So thank you all.

As the holidays approach, we at Burl Wood Dreams have been extremely busy creating many new and exciting pieces to fit all budgets. All our unique one-of-a-kind items are handcrafted live edge from various natural Burl Wood of many varieties—and will surely please that special person on your gift list—as well as breathtaking new items to decorate or enhance the beauty of your own home.

If you have not yet had the opportunity to visit our unique little rustic home décor store, we invite you to come in and enjoy all the wonderfully crafted items we have to offer. Joining our own creations with a few other sensational and creative makers and artists, we believe you will surely enjoy the experience.

We at Burl Wood look forward to serving you in the coming year, and again, sincerely thank you.

~ Corey, Kim, Zeph and Aidan

NATURAL WOOD CREATIONS. HANDCRAFTED.

MARKETING

208.620.5444

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208.620.5360

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EDITORIAL

jillian@like-media.com

in

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Strengthen Your ‘Three-Legged Stool’ for Retirement

Because we’re built for

what’s important

F or many years, Americans provided for their retirement needs through three sources: employer-sponsored pension plans, Social Security income, and savings and investments accumulated through employer plans or individual accounts—the so-called “three-legged stool.” But today, that stool is shakier than it used to be. What can you do to strengthen it?

To begin with, all three legs of the stool are facing challenges. Let’s consider them:

from Bankrate, a personal finance website. And the same survey found that just over half of investors with a 401(k) or IRA have taken early withdrawals—that is, they withdrew money before they retired. Furthermore, we may be waiting too long even to begin saving/investing for retirement. A survey from Age Wave and Edward Jones found that respondents began saving for retirement at an average age of 38, but the majority said they should have started saving a decade earlier.

Edward Jones - It’s Time for Investing to

• Employer pensions - A generation ago, workers employed in many companies could count on a set monthly pension income to help them through their retirement years. Today, pensions—also known as defined benefit plans—are mostly found in public sector employment, as most private-sector employers have replaced their pensions with 401(k) and similar plans. These plans can be quite effective at helping build resources for retirement, but they do place most of the responsibility for saving on the employee.

than 4,629

You have options for improving some parts of your own three-legged stool. For example, no matter what happens to Social Security, you can still decide when to start taking payments. You can begin collecting benefits as early as 62, but your monthly checks will be larger if you wait until your “full” retirement age, which will likely be between 66 and 67. You can even delay taking benefits until they “max out” at age 70.

be indicative

• Social Security - Social Security has come under financial pressure because the workersto-retirees ratio has declined significantly, according to the Social Security Administration’s 2021 Board of Trustees Report. A number of proposals have been brought forward on how to improve the long-term financial security of the Social Security system.

• Personal savings and investments - In terms of building savings and investments for retirement, the picture is somewhat mixed. The national savings rate has increased in recent years, but more than half of American workers still say their retirement savings are not where they should be, according to a 2021 survey

future

As for a pension, you can’t control what’s available to you through your employer, but you can create your own retirement income stream by contributing as much as you can afford to your 401(k) or other employer-sponsored plan and by increasing your contributions whenever your salary goes up. And you can also contribute to an IRA or other investment vehicle to further boost your retirement funds. Try to leave these accounts intact until you need them for retirement. This will be easier if you’ve built an emergency fund, with the money kept in a liquid, low-risk account, to pay for unexpected costs, such as those resulting from a major car or home repair.

Edward Jones

Caleb Bowman

by JILLIAN CHANDLER

"I HAVE ALWAYS LOVED BEING OUT IN THE WOODS. IT IS MY HAPPY PLACE. IT’S WHERE I HAVE GROWN THE MOST BECAUSE YOU ARE DEALING WITH NATURAL ELEMENTS ON NATURE’S TERMS AND NOT YOUR OWN. IT GETS YOU OUTSIDE OF YOURSELF AND PROPELS GROWTH."

KKarie Lee Knoke comes from a long line of pioneers. Her great great great grandfather, who was a scout on the Oregon Trail, homesteaded with his pregnant wife in the Pacific Northwest Territories in 1839—near what is now Goldendale, Washington. Karie was born in Richland, Washington, the daughter of an inspiring engineer at Hanford. Her grandparents lived in Cocolalla, Idaho, where Karie often visited as a child.

It would be the beauty of the wilderness that called her to leave the corporate world of Seattle to settle in North Idaho nearly 30 years ago, where she would go on to found Sacred Cedars Wilderness School.

In 2022, Karie would use her honed wilderness skills to be cast in the ninth season of the History Channel’s “Alone.”

Q.What inspired your love of the wilderness?

A. I have always loved being out in the woods. It is my happy place. It’s where I have grown the most because you are dealing with natural elements on nature’s terms and not your own. It gets you outside of yourself and propels growth.

Q.What called you to part ways with Seattle and the corporate world to move to Sandpoint?

A. One afternoon, in 1993, as I was sitting in rush-hour traffic on I-5 in Seattle, I noticed that the smog, which typically rolled in and out, was not leaving, and all the car pollution. At that moment, I knew I had to leave, as I promised myself as a child never to live in a polluted city. I had to go.

I was miserable in my corporate career world and longed to get back into nature and be able to have a community of like-minded folks who enjoy the mountains as much as I do. I typically spent my weekends venturing into the Cascade Mountains to go backpacking, so I decided that I wanted to quit being a weekend warrior and move to the mountains to be full-time immersed in nature and live off the land.

Q.You currently teach wilderness and primitive living skills through Sacred Cedars Wilderness School, which you founded. What can your students hope to learn?

A. Sacred Cedars is not just your ordinary wilderness school. You will discover the skills of primitive wilderness survival and nature connection. We bring in the soft skills of survival as well. How TO BE in the woods, not just how TO DO in the woods. Connecting to the land in a way that shares reciprocity and gratitude.

Q.You were one of 10 survivalists to make the cut to be cast in the History Channel’s ninth season of “Alone.” What drew you to want to be a part of the show, and how did the selection process work?

A. I first heard of the show after Season 2, when my friends Nicole Apelian and Jose Amoedo were on it. I was initially contacted for Season 3 through Facebook Messenger, but I only had a flip phone at the time and didn’t get the message until too late. I applied for Season 6, sent in casting videos, and I made it into the top 100 who get sent to the History Channel executives for review. When I didn’t make the cut, I chose to do my own “Alone” show and headed into the Bitterroot

Mountains for six weeks, using my handmade primitive gear and eating 100 percent wild foods, and filmed myself doing it. Many of these videos were used for my casting cut for Season 9. The executives loved it!

From here, the executive producers choose, out of all who auditioned, 20 to 25 people. Your survival skills are tested, and extensive medical, physiological and background checks are done. The finalists were chosen to fit their demographics, and I filled the female primitive skills role.

Q.What were your first thoughts after hearing you were selected to participate? And how did you prepare for the journey you were about to embark on?

A. I was anxious, excited, and relieved! The thing is, I had just purchased 12.7 acres of land for the wilderness school. Then the show contacted me two weeks later and asked me to apply again. My first thought was, “Now?”

Q.Is there anything you discovered about yourself while being “alone” out in the wilderness?

A. It's funny how we B-rate ourselves as not being good enough. I felt I wasn’t a good enough huntress because I was missing a lot of squirrel shots, only to find out that everyone has trouble hitting those dang squirrels! Ha ha! I was humbled.

Q.What do you enjoy doing in your downtime?

A. I love crafting and making things with natural materials. Even while watching a movie, I’ll be sewing on my buckskin. I also make wild-crafted healing remedies that I sell and use in my energy work practice. I love foraging for my food and medicines and hunting for the meat that sustains my body. And, of course, anything that allows me to be outside.

Q.What do you enjoy most about living in Sandpoint and being part of the community?

A. The incredible thing about Sandpoint is that there really is a community here. People know who you are and genuinely care about your well-being. It’s a small town where you are surrounded by friends who also love the outdoors. It’s not hard to find someone to go “play,” whether for a hike, ski, fish or paddle. Folks here don’t just come here to work.

Q.Is there anything that people might find surprising to know about Karie Lee Knoke?

A. Most people would never believe that I used to be a systems analyst consultant, where I worked for companies such as Microsoft and Pemco Insurance. I wore an IBM pin-striped suit with nylons and heels and carried a leather briefcase. I still have that suit for proof. I am so grateful that I listened to my inner child and followed my dreams!

Q.Is there anything else you would like to share with our readers?

A. Do your dream! Life is short; be you, find your passion, and don’t settle for mediocrity.

SANDPOINT HIGH SCHOOL’S HEALTH PROFESSIONS PROGRAM RECEIVES GRANT TO PURCHASE STATE-OF-THEART BODYINTERACT VIRTUAL PATIENT SOFTWARE

BY CHRISTIAN WEANER

During the 2020-21 school year, when schools across the country were scrambling to give their students the best learning opportunities possible within the stringent COVID-19 guidelines, Sandpoint High School’s (SHS) Health Professions teacher Liz Smith hatched a humorous, yet effective, method to give her students hands-on experience.

“One thing we did [during the 2020-21 school year]—we couldn’t go to clinicals [or] go to the nursing homes because of COVID— so we actually got drama students to come in and pretend to be patients here in the lab,” Liz laughed. “So that was fun.”

Now two years removed from her whimsical and creative idea, Liz no longer needs to rely on theatre students to provide realistic simulations of medical scenarios. Thanks to her successful application for the state’s Leading Idaho Grant, Liz’s students can now test their medical knowledge and diagnostic skills on SHS’s new state-of-the-art BodyInteract software—a virtual patient simulator that Liz believes will take her classes to the next level.

Liz and her family moved to Sandpoint 13 years ago. She has been working as a nurse for 20 years, and since arriving in Bonner County, she has worked at Kootenai Health in critical care, Bonner General in the emergency room and labor and delivery, and at a family health clinic in Sandpoint.

Teaching at SHS was not something that had been on Liz’s radar until 2019, when a friend who previously taught Health Professions classes at the school was leaving for another position and recommended the job to Liz.

“I’ve always loved teaching, and I saw myself in the future teaching nursing students,” Liz explained. “But I never thought I’d be at a high school.”

During her career, Liz had done some nurse precepting— supervising younger nurses during their clinicals—but this was her first time teaching in a classroom setting. At first, Liz said she was nervous, but she quickly settled into a successful Health Professions program at SHS that has existed for more than 30 years.

Sandpoint’s Health Professions students go through a three-year program, which begins with an “Intro to Health Professions” class during their sophomore year.

“That is more of an introductory class to what is expected in health occupations; what are some [career] options in health occupations,” Liz said. “We go through everything from dentistry to veterinarian stuff to emergency medicine, doctors, nurses—everything.”

Because many students do not know exactly what medical field they would like to pursue, the primary goal of the introductory course, Liz explained, is to expose her students to as many different

professions as possible, giving them the chance to begin recognizing what their potential interests could be.

Liz said that she brings in many health professionals from the community—such as a doctor she worked with in the emergency room, an orthopedic surgeon, an orthodontist or a local paramedic—as guest speakers to talk to the class about what they do.

“I am a nurse, so [the students] get lots of nursing perspective from me, but I like to give them perspective from all the different health occupations,” Liz said.

In their junior year, SHS Health Professions students take Liz’s dual-credit medical terminology class, which is very physiology-based and overlaps nicely with the students’ other science courses.

“A lot of these kids are in anatomy and physiology at the same time, which is great because our classes sort of marry each other,” Liz said. “We coordinate to try and do separate labs and make it interesting for the kids.”

Finally, students who successfully go through the first two years of Health Professions courses and desire to continue in the program—approximately 20 students each year—can take a Certified Nursing Assistant (CNA) class during their senior year.

Thanks to her extensive background in nursing and myriad of connections in the Sandpoint medical community, Liz’s CNA class goes above and beyond what the typical CNA experience would be for students at a technical school.

“They will go to the nursing home, and they learn the basic CNA skills,” Liz said. “Then we move to the hospital, where they get to shadow all the different health occupations at the hospital that they can.”

Most of Liz’s students take their CNA exam in the spring before graduation, and those who pass leave high school in a great position to succeed in their future medical studies after graduation.

“If they are neck and neck with somebody applying for the same position or the same scholarship or spot in a program, this program [at SHS] likely will give them the leg up to be the one that they choose,” Liz explained.

In addition to their training at the nursing home, Liz’s CNA students can participate in SHS’ first aid response team. These students receive first aid training from Bonner County EMS, and they take shifts—two students per day—being on call during the school day to help respond to first aid situations. They are supervised by administration, who encourage the students as they get hands-on experience diagnosing reallife medical scenarios.

“The kids will do a full set of vital signs, they’ll have to document what they did [and] what was happening, so it gives them lots of workplace readiness skills related to health care,” Liz described.

Every year, SHS’s Health Occupations Student Association (HOSA) club—which Liz leads—travels to take part in the state’s convention that takes place each spring. SHS students

ULTIMATELY, WHILE BRINGING IN DRAMA STUDENTS TO ACT AS PATIENTS WAS A NOVEL IDEA THAT WORKED FOR A SEASON, BODYINTERACT IS NOT ONLY A BETTER SIMULATOR OF MEDICAL SCENARIOS, IT IS A TOOL THAT WILL ALLOW LIZ TO LEAD SHS’S HEALTH PROFESSIONS PROGRAM TO CONTINUED GROWTH IN THE FUTURE.

fundraise all year to attend the convention, which consists of competitions and seminars about everything from nursing to veterinary medicine to dentistry.

Liz had previously read about the BodyInteract software, and she noticed that BodyInteract was holding a competition at the 2022 convention, so she signed up all of her students to compete.

“I had read about [BodyInteract], and it was funny because I signed all the kids up for it even though they didn’t ask,” Liz laughed.

At the competition, BodyInteract stole the show, wowing Liz’s students and causing her to wonder how she could get the software for her own classroom.

“I just watched all these kids from all over the state work on this program to figure out what’s wrong with this patient and make the right intervention,” Liz remembered. “And I loved it. I thought it was so cool. The kids loved it, and they all wanted to do it again. And I thought, ‘That is super cool.’”

Upon returning from the convention, Liz did some research about how she could purchase the software. She came across Governor Brad Little’s “Leading Idaho” initiative—in which a total of $8 million of funds are distributed to high school career technical education programs across the state—and she applied for the grant.

“I had never applied for a grant before,” Liz explained. “So, some of my colleagues here helped me do it and proofread it for me. I applied for it and got it!”

Since receiving the software and equipment in October, Liz said her students have enjoyed using BodyInteract in the classroom.

“[My students] love it,” Liz smiled. “They are always saying, ‘Hey, Mrs. Smith, can we do a BodyInteract? Can we do a scenario?’”

BodyInteract runs on a 55-inch touchscreen monitor that sits on wheels, allowing it to be positioned either horizontally or vertically and easily moved around the classroom.

Liz appreciates that the software has different difficulty settings, which can be tailored to the needs of her students, providing them with helpful scenarios to test their diagnostic abilities. BodyInteract also gives Liz the opportunity to see what areas her students are doing well in and what she might need to reinforce or reteach.

Ultimately, while bringing in drama students to act as patients was a novel idea that worked for a season, BodyInteract is not only a better simulator of medical scenarios, it is a tool that will allow Liz to lead SHS’s Health Professions program to continued growth in the future.

“It’s still pretend, but it’s more life-like and realistic,” Liz said. “I think that that is really going to open things up and get [the students] used to dealing with this type of technology.”

MAKING THE MOVE

First steps to hiring a REALTOR®

by BEN GEANETTA, REALTOR®, TEAM LEAD

Whenmy wife and I sold our first home, we had no idea what we were doing, or even what to expect since we had never sold real estate before. The REALTOR® we hired was recommended to us by one of my coworkers in the Police Department. We selected him without any interviewing process or asking questions to ensure our huge investment was in the right hands. Fortunately, we got lucky, and it worked out well; but this isn't always the case.

Let's state the obvious: Selling your house is a big decision, as hundreds of thousands of dollars and, in some cases, even millions can be involved. The REALTOR® you hire can make all the difference. Their knowledge, expertise and timely communication skills should all be factors in choosing the right individual to meet your real estate needs.

First, let me take you to a different scenario to help you put your selection process in perspective. If you needed brain surgery, would you ultimately go with the first recommendation from a friend or family member? Maybe you would select a friend or family member in general just for the sake they were someone you knew. Would you go under the knife without looking into the doctor’s background, skills or knowledge? Likely not. You would choose a doctor who you're confident with their skills and knowledge. Your house, which is ultimately an investment, deserves the same due diligence.

These are a few steps you should consider taking when selling your house: First, you should get organized and collect a few names of local real estate agents. It doesn’t matter if you find them online, see an ad, or a friend tells you their REALTOR® is the best. Compile a list. Next, find reviews online and see what others are saying about them. Find their bio page and read the “About me” section.

If they pass YOUR initial interview, reach out to schedule a meeting. If you don’t receive a response from them within 48 hours, some concern should be raised.

Once the REALTOR® and you connect, it’s now time to schedule a meeting. At the appointment, they should arrive with a digital or paper presentation that highlights their marketing and their work.

Be on the lookout for how detailed and complete their presentation is. Often, this will be a reflection of the quality of their professionalism and a demonstration of the listings they provide. Think of the REALTOR® as an artist and their listings as their canvas; choose the one who speaks your language visually. Chances are if you like their work and would buy a house based on their presentation of it, then it’s likely others would too!

The goal is to leave a memorable, visual impression on the potential buyers. Ask to view their past listings and pay attention to the details. Are they using professional photo/videography, aerial photographs, 3D tours and floor plans? Are their photos in a sequence that makes sense as not to confuse the potential buyer as they scroll through? Are the public remarks accurate and distinguished?

Ask to see their marketing material, and don't settle on just an explanation. You should not be settling for what I call the “wait and watch” response of “I’ll put a yard sign up and it will be in the MLS which feeds Zillow, Trulia and like websites.” Do they have an integrated marketing system? Do they use a referral network of real estate agents across the country?

Also, it's important to ask how many buying and selling clients they are currently working with. If they have a heavy workload, ask how much individual attention you should expect. Are they part of a team they regularly work with? What support staff do they have?

The ultimate objective for anyone to sell their property is to get the most favorable terms and achieve their goals while doing so on your timeline. Partner with the best REALTOR® for you by following the steps outlined above.

The ultimate objective for anyone to sell their property is to get the most favorable terms and achieve their goals while doing so on your timeline.

MARKET REPORT

While prices are correcting and slowly coming down, overall the market is still appreciating, according to Ben Geanetta, REALTOR® with Team Lead. "If you’re expecting a 2008 market drop, you will be waiting a long time."

For homeowners considering selling, he says they can still get a great price for their house but should expect offers to trickle in. As for buyers, now is a great time to buy.

"There is less competition, and you can refinance your rate when they come down. Plus, with lending programs to help with affordability, like a 2/1 buy-down, you shouldn’t be scared off of buying. Game plan with your agent and lender."

waterfront, Bayside South condo in beautiful Dover Bay! Main level, 2 bedroom, 2 bathroom, and additional den/office. High ceilings and large wall of windows capture stunning

of the estuary

mountains with access right out your back door. The open floor plan

it possible to host up to 10 people comfortably. The kitchen is complete with granite

beautiful cabinets, & breakfast bar. Recently installed luxury LVP flooring throughout,

and forced air with central AC keeps you cozy year round. The community is

within the CCR’s.

offers a marina/boat launch,

community pool as well as 9 miles of walking paths

proximity to Schweitzer Mountain

only 3 miles from Sandpoint.

J a c k i e S u a r e z

Knows

Melanie Geaslin

KICK

CHRISTMAS CRAFT FAIR

SANDPOINT’S FINEST HOLIDAY MARKET

by JILLIAN CHANDLER

Mark your calendar for November 19 and 20, as the annual Christmas Craft Fair returns to the Bonner County Fairgrounds for two days of shopping and fun.

Over the weekend, visitors will be treated to local artisans, handmade gifts, food and treats, activities for the kids, and a visit from Santa both days (don’t forget to get a photo too!).

“We limit the vendors to crafters and artisans only. We do not allow commercial booths, because we want to focus on the true nature of the name ‘craft fair,’” shares Darcey Smith, Bonner County Fair director. “We have so many wonderful artisans in Bonner County, and it's great to be able to bring them together during the holidays and support their businesses. I always find and buy the most amazing treasures.”

The Christmas Craft Fair continues to get bigger each year, drawing between 3,000 to 4,000 visitors over the weekend. This year, vendor spaces filled up within the first week!

Visitors to the craft fair will find these local vendors selling a variety of crafts, gifts and food items: vintage décor and

crafts, wood signs, home décor, wreaths, ornaments, jewelry, crocheted animals, oils/soaps/bath salts, greeting cards, scrapbooking supplies, candles, stockings, T-shirts, tumblers and glassware, pepper jelly, fudge, cinnamon rolls/scones/ mini pies, kettle corn, coffee and drinks. “Oh my goodness, and so much more!” Darcey smiles.

The Gingerbread House Competition returns for its fifth year to benefit the Bonner Community Food Bank. Those who would like to participate can bring their completed gingerbread house, along with two non-perishable food items (and even those not participating are welcome to drop off food donations as well). There is no limit on how many can participate, and ribbons and a grand prize will be awarded.

“Our Christmas Fair is always a great treat for the public,” says Darcey. “And there is no fee to enter!”

The Christmas Craft Fair is Sandpoint's finest Christmas market. Make a plan to head to the Bonner County Fairgrounds November 19 and 20. To find out more, visit BonnerCountyFair.com/p/events/2020-christmas-fair.

EVENING IN THE GARDENS OF SPAIN

NOVEMBER

Join the Music Conservatory of Sandpoint for their second performance as part of the Conservatory Concert Series: Evening in the Gardens of Spain. On Friday, November 4, 7 to 9pm, MCS presents Matthew Doorich, as he performs a dazzling selection of Spanish piano music, with special guest Melody Puller, in Little Carnegie Hall. Enjoy intimate cafe seating and exquisite Spanish wines available for purchase. For additional details, and to purchase tickets, visit SandpointConservatory.org/events.

2022 SARS SANDPOINT SKI SWAP

NOVEMBER

Don't miss Schweitzer Alpine Racing School's annual Ski Swap to kick off the 20222023 ski season right. Held 8am to 2pm at the Bonner County Fairgrounds, find great deals on snow gear, from skis and snowboards to a huge variety of winter recreational equipment and clothing, both new and used. The annual event benefits the SARS's ski racing and freeride programs for almost 300 local and regional athletes ages 5 and older. Those interested in buying, selling or volunteering can visit SARS.snowproportal.com/fundraising/ski-swap.

FALL SERENADE

NOVEMBER 20

Little Carnegie will be filled with the warmth of classical music when the Music Conservatory of Sandpoint begins its Fall Serenade. A popular annual event featuring the extraordinary talent of music teachers, proceeds will benefit youth in the community who wish to learn to sing or play an instrument. A no-host wine bar will be available. Tickets are $25 each and available online. And mark your calendar for MCS's Music Matters Christmas Concert, happening 6 to 8pm Tuesday, December 13, at the Panida. Visit SandpointConservatory.org/events for additional details.

ANNUAL TREE LIGHTING

NOVEMBER 25

It is the moment the spirit of the Christmas holiday truly comes alive here in Sandpoint, and it’s one you will not want to miss! Gather with family, friends and your neighbors for this year’s Tree Lighting Ceremony, which will be held at Jeff Jones Town Square the day after Thanksgiving—Friday, November 25. It's the official welcome of the holiday season here in Sandpoint; an evening of family friendly cheer, a visit from Santa Claus, choral singing, warm refreshments and the lighting of the grand Christmas tree to top it all off. The festivities kick off at 5pm, followed by the highlight of the event—the annual Tree Lighting Ceremony!

*Please note, as of press time, these events were still scheduled to take place as planned. Be sure to visit event websites to stay up to date with current information.

SUBMIT YOUR EVENT ONLINE!

Want your event to appear on the largest event site in the Northwest? Submit your events to us online at Events.DirectoryNorthwest.com 24/7, 365 days a year!

Start saving today at idsaves.org

12/31 and get up to a $12,000 tax

*Contributions to the IDeal — Idaho College Savings Program are deductible from Idaho state income tax, subject to recapture in certain circumstances, such as a non-qualified withdrawal or a rollover to another state’s qualified tuition program in the year of the rollover and the prior tax year. For more information about the Idaho College Savings Program (“IDeal”), call 1.866.433.2533 or visit www.idsaves.org to obtain a Disclosure Statement. The Disclosure Statement discusses investment objectives, risks, charges, expenses, and other important information. Because investing in IDeal is an important decision for you and your family, you should read and consider the Disclosure Statement carefully before investing.

Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program.

*Contributions to the IDeal — Idaho College Savings Program are deductible from Idaho state income tax, subject to recapture in certain circumstances, such as a non-qualified withdrawal or a rollover to another state’s qualified tuition program in the year of the rollover and the prior tax year. For more information about the Idaho College Savings Program (“IDeal”), call 1.866.433.2533 or visit www.idsaves.org to obtain a Disclosure Statement. The Disclosure Statement discusses investment objectives, risks, charges, expenses, and other important information. Because investing in IDeal is an important decision for you and your family, you should read and consider the Disclosure Statement carefully before investing.

Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program.

IDeal is administered by the State College Savings Program Board (Board). Ascensus Broker Dealer Services, LLC (“ABD”), the program manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory and recordkeeping and administrative services. The Vanguard Group, Inc. (Vanguard) serves as Investment Manager for IDeal. Sallie Mae Bank serves as the Savings Portfolio Manager for IDeal. IDeal’s Portfolios invest in either: (i) mutual funds and a separate account offered or managed by Vanguard; or (ii) an FDIC-insured omnibus savings account held in trust by the Board at Sallie Mae Bank. Except for the Savings Portfolio, investments in IDeal are not insured by the FDIC. Units of the Portfolios are municipal securities and the value of units will vary with market conditions. Not FDIC-Insured (except for the Savings Portfolio). No Bank, State or Federal Guarantee. May Lose Value.

IDeal is administered by the State College Savings Program Board (Board). Ascensus Broker Dealer Services, LLC (“ABD”), the program manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory and recordkeeping and administrative services. The Vanguard Group, Inc. (Vanguard) serves as Investment Manager for IDeal. Sallie Mae Bank serves as the Savings Portfolio Manager for IDeal. IDeal’s Portfolios invest in either: (i) mutual funds and a separate account offered or managed by Vanguard; or (ii) an FDIC-insured omnibus savings account held in trust by the Board at Sallie

investments in IDeal are not insured by the FDIC. Units of the

are municipal

Not FDIC-Insured (except for the Savings

Bank. Except for the Savings

value

Bank, State

vary with

Federal

May

fun fact LOCAL

Opening Day in Sandpoint

The month of November officially commences the holiday season. While the whole country is preparing for the holidays and attending one party after another, there is yet another day marked on all Sandpointions’ calendars.

Opening day up at Schweitzer is a holiday in and of itself for Sandpoint. Many citizens of this little mountain town dream of powder, the smell of ski wax, and the Outback lodge hot cocoa the night before. They wake up more eager than on Christmas morning and make their way up the switchbacks to their local ski resort.

Schweitzer delighted a few outdoor enthusiasts as early as the 1930s, but it became official in 1963. Today Schweitzer has greatly expanded and is a desired destination for many beyond the borders of Bonner County, but in the beginning, a lift ticket cost just $3.50.

Soon we will be celebrating yet another Opening Day at Schweitzer.

A person on the chair lift, circa 1960s. Photographer unknown. Photo courtesy of Bonner County Historical Society, donated to the collection by Sandpoint News Bulletin.

Brought to you by the Bonner County Historical Society & Museum

866.302.2122

208.263.9066

208.263.6139 208.263.6139 208.265.4554

208.263.2217

208.263.9555 208.265.2345 208.263.4321 509.795.1311 208.597.5020

208.255.5253 208.263.5916 208.265.1597 208.263.3083 888.863.9066 208.263.9066 208.255.7100 208.265.9672 208.920.9292

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