Zions Bank Community - September 2008

community community

September/October 2008

TRAVEL – HEALTH – FOOD – FINANCE

ZIONS BANK

TRAVEL – HEALTH – FOOD – FINANCE

community ZIONS BANK

Spaaahs

Top Spas in Idaho and Utah

Healthy Dining Rockhounding 101 Photo Contest Winners

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contents

the basics Editor’s Note

12

Dining and Leisure Guide

75

The Last Word

80

Robert Brough

A. Scott Anderson

42

features Diggin’ It

32

Photo Contest Winners

37

Spaaahs

42

Rockhounding 101

Plus Tips for Taking Better Photos

37

Top Destination Spas in Idaho and Utah

32 Community Magazine

7

contents

health Gamma West Cancer Services 15 Treatments Spare Healthy Tissues

food Veg Out

A Quick Guide to Healthy Dining

19

hometown profile Salmon, Idaho

22

Herriman, Utah

27

The Best of Rural America Salt Lake Valley’s Best Kept Secret

nonprofit spotlight Best Friends Animal Society

52

people Doug Sayer

55

Art Cooper

56

The Visionary

Panguitch Mayor Sets Unique Precedent

speaking on business Mitchell’s Restaurant So Cupcake The Locker Room

60 62 64

19

sba success story Ellie’s EZ Stop

Hometown Convenience

66

52

emerging technology SentrX Animal Care Healing Products for Veterinary Medicine

68

legal HSAs

What´s Not to Like?

70

financial tips 10 Tips for Avoiding Mortgage Fraud Time to Sell Your Business?

No Phishing Allowed 8

September/October 2008

72 73 74

64

HEAR IT. FEEL IT. LOVE IT.

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community community ZIONS BANK

TM

TRAVEL – HEALTH – FOOD – FINANCE

2004, 2006 and 2008 WPAZIONS Maggie Award Winner BANK “Best Corporate or In-House Magazine” – HEALTH –Publication FOOD – FINANCE 2007 and 2008 Best TRAVEL of State Winner

Zions Bank Community Magazine is a publication for our clients in Idaho and Utah

community

ZIONS BANK Editor-in-Chief Robert Brough rob.brough@zionsbank.com

Funeral Directors Since 1915 Service with Dignity, Helpfulness & Friendliness www.goffmortuary.com

Publisher Arkin Hill ahill@luminpublishing.com Senior Editor Julie M. Bradford julie.bradford@zionsbank.com Senior Editor Gail Newbold gnewbold@luminpublishing.com Executive Editor Kathryn Peterson

(801)

255-7151 24 Hour Availability

Art Director Kevin Kiernan Production Artist Shane Wolf For Advertising Info: advertising@luminpublishing.com Advertising Director Geoff Osmond Advertising Consultant Brandon Ellis

BanAdNew.indd 1

12/15/2005 1:16:28 AM

Contributing Writers Mikal Belicove, Greg Chiampou, Jamie Dillon, Kelly Jeppson, Kamron A. Keele, Colin Kelly Jr., Farrah Lamoreaux, Ali Monson, Gail Newbold, Kathryn Peterson, Gregory Taggart, Jacob Wilhelmsen Photography Kevin Kiernan, Shane Wolf Publishing Consultant Timothy Lyon timlyon@earthlink.net For address changes call Zions Bank Customer Service at 1-800-974-8800.

Published for Zions Bank by Lumin Publishing, Inc. 6183 S. Prairie View Dr., Suite 103A Salt Lake City, UT 84118 801.417.3000 © 2008 Zions Bank. All rights reserved.

Community is a trademark of Zions Bank.

Breast/Prostate Brachytherapy and Cyberknife Technology

editor’s note

Editor’s Note

Rob Brough paints a home in Salt Lake City during Zions Bank’s annual Paint-a-Thon event in June.

This past summer I participated in my 12th Zions Bank Paint-a-Thon event.

During the week of June 16, I joined more than 3,600 Zions Bank employees and their families in helping to brighten the homes of 54 low-income, elderly and disabled homeowners throughout Idaho and Utah.

In what has become a tradition for my family, my wife and children joined me again on the opening evening of the Paint-a-Thon at the home of Douglas and Edith Steele in the Sugarhouse area of Salt Lake City.

I’m not sure whether my children’s motivation for participation is fueled by the opportunity to get paint all over their clothing without getting into trouble, the good feeling that comes from providing much-needed service, or the free pizza. Whichever it is, we have a great time together.

This year my 11-year-old son fell in love with the caulking gun. Although he was a little disappointed to discover that the “gun” I had given him permission to use did not fit his definition of a firearm, he learned to appreciate the art of filling cracks.

My 6-year-old, the social butterfly, made new friends in Douglas and Edith. In fact, before the evening was through she had abandoned her paintbrush and was watching “The Suite Life of Zach and Cody” and sharing snacks with the Steeles.

Hopefully, she helped brighten the inside of their home while the rest of us worked on the outside.

Over the past 18 years, Zions Bank’s annual Painta-Thon community service project has become the area’s largest single-employer volunteer event of its kind. Not counting the dollar value of volunteer hours through the years, Zions Bank has donated more than $650,000 toward beautifying 675 homes located from Logan to St. George, and from Boise to Pocatello since the Paint-a-Thon began in 1991.

One homeowner sent the following thank-you note to the employees of the Ammon and Idaho Falls offices following their week of service to her: “Some of the greatest people on this earth are those who see a need and do something about it. I can’t say enough about the people who volunteered their help (to me) and those who made it happen,” she wrote.

“I doubt my home could have been in worse shape. How many are fortunate enough to have people come and scrape, paint, mow the lawn, and haul away old appliances. A lady even came at 6 a.m. to fix me a flower garden. Nothing means more to the elderly than those who care. People may forget what you said, people may forget what you did, but people will never forget how you made them feel. To every last one of you Zions’ people, may your kindness return to you. You all have a place in my heart.”

The wonderful thing is that while Zions Bank may have a place in the heart of this grateful homeowner, each of the 675 homeowners we have been privileged to serve over the past 18 years through the Zions Bank Paint-a-Thon has a unique place in the hearts of those of us who have provided the service.

Robert Brough Executive Vice President Corporate Marketing and Communications

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September/October 2008

1^]S 9Pb^] 1^]S B]^fQPbX] DcPW you don’t kick step your way along the wind-blown ridge between Demoisy Peak and Needles because it’s easy. you do it because when you jump in to make first tracks in the bowl below you, you own something that no one can ever take away. it’s your turn.

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health

Gamma West Cancer Services At Gamma West Cancer Services, targeted treatments spare healthy tissues and lead to quick recovery.

Cancer ... it’s one of the few words that can stop anyone’s busy life. Luckily, medical professionals at Gamma West Cancer Services are focused on beating cancer with direct and swift treatments.

Gamma West, which serves Idaho, Utah and the Intermountain West, is the first clinic in the region — and one of the first in the nation — to specialize in brachytherapy. Brachytherapy at Gamma West is an option for anyone diagnosed with prostate cancer. Women with breast cancer are eligible for brachytherapy if they have a primary tumor with no affected lymph nodes.

“Brachytherapy puts the treatment right where it belongs — in the cancer — permitting a larger and safer dose to be delivered, and maximally sparing healthy tissues,” says Dave Vincent, CEO of Gamma West. “There are now many studies at major institutions throughout the world showing excellent long-term results from brachytherapy for many different cancers.”

The word “brachytherapy” comes from a Greek root word that means “from a short distance.” With this form of cancer therapy, radioactive material called isotopes is sealed in small containers that resemble seeds, wires or ribbons. These containers are then carefully placed in the body to eradicate tumors and destroy cancer cells.

Treatments Spare Healthy Tissues

By Mikal Belicove

Community Magazine

15

health

Dave Vincent and Dr. John K. Hayes Jr.

In its simplest form, brachytherapy dates back to the turn of the 20th century, just after Marie and Pierre Curie discovered radium at their Radium Institute (now the Curie Institute) in Paris. Of course, scientists have greatly improved the isotopes now in use, and they have perfected the techniques used to place those isotopes precisely at the location of the tumor.

“With our extensive brachytherapy experience, Gamma West has had remarkable success with the patients we most commonly treat,” Vincent says.

Leaving a Legacy Dr. John K. Hayes Jr. is founder, president and medical director at Gamma West. A native of Provo, Utah, he has been performing brachytherapy procedures at Gamma West since 1998. Previously, Hayes pioneered brachytherapy treatments at the University of Utah School of Medicine, where he was an associate professor of radiation oncology and was instrumental in pioneering the protocols for treatment of cancers with brachytherapy that are widely used today.

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September/October 2008

Hayes and his team have performed more than 4,000 brachytherapy procedures, with impressive results. “Among our patients with low and intermediate risk prostate cancer, approximately 95 percent have remained cancer-free,” Vincent says. “The results with early stage breast cancer are similarly favorable.”

Two different brachytherapy treatments are available at Gamma West for individuals diagnosed with prostate cancer: Temporary High Dose Rate Implants and Permanent Seed Low Rate Implants.

Each is a curative form of treatment.

The HDR implant requires a 24-hour stay in the hospital. Once anesthesia is administered, doctors place flexible catheters into the prostate.

Next, radiation from a remote source called an “afterloader” is delivered via the catheters. After three treatments, the catheters are removed and the patient goes home. Individuals treated with HDR brachytherapy are not radioactive after treatment.

A follow-up visit is scheduled for three months after the procedure.

The LDR implants require use of a different sort of catheter. Once anesthesia is administered and the catheters are in place, radioactive “seeds” (each is smaller than a grain of rice) are placed within and around the prostate gland margin. The seeds are left in place to deliver a highly concentrated dose of radiation to the tumor. Over time, the dose from LDR brachytherapy diminishes.

Individuals with breast cancer who are eligible for brachytherapy receive one of two treatments at Gamma West. In one treatment, multiple flexible plastic catheters are placed into and around the cancer area. A single radioactive source treats the area at risk via the carefully placed catheters from the inside out. In the second treatment, a device called a Mammosite “balloon” applicator is inserted directly into the cavity where the tumor was surgically removed. The same high-activity radioactive source as used in the first treatment is positioned in the center of the inflated balloon in order to radiate the area.

Neither treatment leaves the radiation in the tissues permanently. Breast brachytherapy requires two brief radiation treatments per day over five consecutive days, which is considerably shorter than the seven weeks of treatment needed for the standard external beam radiation therapy for breast cancer.

“For both prostate and breast cancer patients, brachytherapy permits more precise delivery of the radiation to the cancer itself, with less radiation going to nearby healthy tissues,” Vincent says.

“In the setting of prostate cancer, we have fewer side effects with urinary and bowel function. For patients with breast cancer we see curative therapy with superior cosmetic results.”

Praise From Patients Patients who have benefited from brachytherapy speak well of both the treatments and the care they received at Gamma West.

A male patient from Ogden, Utah, reports “few side effects and a relatively short recovery period.” A woman from Idaho Falls, Idaho, notes that she and her husband were very pleased with his treatment. “We thought the doctors were outstanding and very sensitive to our concerns,” she says. A man from Syracuse, Utah, says, “Brachytherapy is the only way to go. I was impressed with the ease with which this treatment was done, and I highly recommend this form of treatment.”

Across the nation, brachytherapy is now an important part of the standard of care for patients with cervical, endometrial, prostate, breast and thyroid cancers. In some instances, Vincent says, brachytherapy is also appropriate treatment in the management of cancers of the head and neck, throat, lung, esophagus, rectum and soft tissue tumors such as sarcomas.

Gamma West Cancer Services operates out of Salt Lake Regional Medical Center in Salt Lake City, Ogden Regional Medical Center in Ogden, Timpanogos Regional Hospital in Orem, Coral Desert Surgery Center in St. George, and a new center is currently under construction at Davis Hospital and Medical Center in Layton, Utah. For more information, visit www.gammawest.com.

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food

Veg Out A Quick Guide to Healthy Dining

You don't have to be a vegetarian to crave a hearty whole-wheat roll stacked with spinach, sprouts, cucumbers, tomatoes and onions with Boursin cheese at Salt Lake City's Oasis CafĂŠ. You can simply wish to be healthy and hanker for food that's crisp, colorful and delicious. Check out one of these restaurants and get in touch with your inner vegetable.

(The following is not an inclusive listing. Go online to find more restaurants in your area.)

By Gail Newbold Photos by Kevin Kiernan

Spicy Seaweed Roll from Omar's Living Cuisine Organic Raw Food Bar

Community Magazine

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food

In Idaho: Bombay Grill What better place to go vegetarian than at an Indian restaurant such as Boise’s Bombay Grill? The atmosphere is bright and lively, prices are moderate, and the service is quick and friendly. Its two most popular vegetarian dishes are Alu Gobi Masala, a savory blend of cauliflower and potatoes cooked in spices with fresh tomatoes, garlic and ginger; and navratan korma, a variety of vegetables cooked in herbs and spices, onions, cream, almonds and raisins.

According to owner Kawaljit Kaur, Bombay’s lunch buffet is the most popular place to dine in the downtown area on weekdays because it’s affordable and offers nine selections that change daily. Salad, bread, rice and dessert are all included in the $7.95 price. It was named Best Indian Restaurant in Boise in 2006 by the Boise Weekly newspaper.

928 W. Main St. Boise, ID 83702 208-345-7888 www.bombaygrillidaho.com

Mandarin Chicken Salad from Caffe Ibis

In Utah: Caffe Ibis Gallery Deli and Caffe Located in historic downtown Logan, Caffe Ibis serves up gourmet organic dishes using locally grown produce for guests to enjoy while viewing mostly local art. The gallery changes monthly at this 30-year-old establishment. Try the popular Cheese Veggie Quesadilla — a tortilla filled with Colby-Jack cheese, tomatoes, onions, mushrooms, carrots, green peppers, olives, and grilled to perfection.

Top: Tandoori Chicken from Bombay Grill Bottom: Interior at Bombay Grill Photos courtesy of Bombay Grill

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September/October 2008

52 Federal Ave. Logan, UT 84321 435-753-4777 www.caffeibis.com

food Oasis Café Popping with people every lunch and dinner, this charming café has more than just terrific food. Massive windows, open-beamed ceilings, trees, hanging planters, and a patio with fireplace and heat lamps make dining here a visual and palate-pleasing delight.

Try the Grilled Brie Sandwich with French Brie cheese on grilled cranberry pecan bread served with a jicamacucumber salad tossed in a citrus vinaigrette.

Owners Joel and Jill LaSalle say their mission for this nearly 30-year-old neighborhood institution is to make every item on the menu with the freshest ingredients possible. Nothing prepackaged or preprepared finds its way into the Oasis kitchen.

“We even make our own pasta,” Joel says. “We cook, grind and season our garbanzo beans for our house-made hummus. The tofu-vegetable wrap with cilantro mint chutney is one of the most amazing and delicious items on the menu, and I resisted eating tofu for years.” Menu items are available for vegetarians and nonvegetarians alike.

151 S. 500 East Salt Lake City, UT 84102 801-322-0404 www.oasiscafeslc.com

Grilled Brie Sandwich from Oasis Café

Omar’s Living Cuisine Organic Raw Food Bar The only raw food bar in Utah, Living Cuisine is the creation of chef Omar Abou-Ismail, who prepares all his raw, live and organic food from scratch. The atmosphere is intimate and earthy, appropriate for a place that uses only organic vegetables, nuts, seeds, fruit, cold-pressed stonecrushed Biriani olive oil, cold-pressed coconut oil, hand-harvested sun-dried sea salt, and locally harvested herbs and spices. Nothing is heated to more than 118 degrees to preserve enzymes in the food. Nuts and seeds are brought back to life through sprouting, which increases their nutritional content by more than 600 percent.

According to Abou-Ismail, “Our most popular dishes are the falafel salad with live tahini dressing over a bed of mixed greens topped with tomatoes, onions, olives, avocados and our famous seed falafel biscuits; and our spicy seafood roll filled with crushed macadamia nuts, sprouts, avocados, tomatoes and zucchini served with a delicious sweet curried almond dressing.”

Falafel Salad from Omar's Living Cuisine Organic Raw Food Bar

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2148 Highland Dr. Salt Lake City, UT 84106 801-486-0332 www.omarslivingcuisine.com

Community Magazine

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hometown profile â&#x20AC;&#x201C; idaho

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September/October 2008

Sacajawea Statue at the Sacajawea Center

idaho â&#x20AC;&#x201C; hometown profile

Salmon The Best of Rural America

People come to Salmon, Idaho, to hike, bike, kayak and raft. They come in the winter to catch steelhead. They come in the summer to get an honest soaking in the Salmon River. And they come in the fall to relive the Lewis and Clark adventure at the Heritage Days Festival.

By Jacob Wilhelmsen Photos by Kevin Kiernan

Community Magazine

23

hometown profile – idaho

For History Buffs

Sculpture in downtown Salmon

Salmon began building its national reputation 200 years ago when its most famous resident met Lewis and Clark. Sacajawea, of the Shoshone nation, was born on the Lemhi River. Along with her French trapper husband, she accompanied the Corps of Discovery as a translator and guide. She acted as liaison, helping them negotiate peacefully with Native Americans from North Dakota through the Pacific Northwest. Sacajawea has been symbolically adopted by the U.S. government as an archetype of cooperation and exploration, and by the Women’s Suffrage Movement. She has also been memorialized in place names, statues and even on the face of the new gold dollar coins introduced in 2000.

The Sacajawea Interpretive, Cultural and Education Center opened in 2003 on Highway 28 on the east end of Salmon. The center commemorates her role in Lewis and Clark’s expedition and helps keep those contributions current. Summer classes teach about Sacajawea, her family, and the Lewis and Clark discoveries. They teach how to grow a healthy garden, make elk jerky and paint with watercolors.

Charli Williams, summer administrator of the Chamber of Commerce, notes that the Sacajawea Center rounds out the experience of visiting Salmon, helping to make it a destination in its own right, not just a base for campers, rafters and hikers. The center is still expanding; watch for it to become a prime attraction for devoted historians and casual travelers.

Pristine Wilderness Salmon, in Lemhi County, is in the center of the state near the Montana border, 140 miles south of Missoula. It provides access to the put-ins, or river launching areas, of the Main Fork and the Middle Fork of the Salmon River and those of the Payette River Basin. The Salmon River offers rollercoaster rapids and breathtaking scenery. Boatmen who guide raft trips down the river have been known to name the rapids — Vinegar, Gunbarrel, Dried Meat, Whiplash and Elk Horn. And those are just the Class III rapids. The river also has dangerous Class V rapids during periods of high water levels, generally in the spring after the winter runoff from the nearby mountains.

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September/October 2008

Salmon River

idaho – hometown profile

World Wide is one of many rafting companies in Salmon, also known as the “Whitewater Capital of the World.” For around a grand, depending on your age and the number in your party, the company will take you on a five-day trip down the Main Fork of the Salmon. Your money pays for lodging, transportation, delicious riverside meals and entertainment by the multitalented guides. If $1,200 still seems a little steep, consider the dollar value of 85 miles of Class III and IV rapids, miles away from roads, offices and kitchens, where you bathe in your commute next to big horn sheep, black bears and bald eagles.

Hikers will also find what they are looking for in Salmon. There are short trails, like the one to Goldbug Hot Springs, long trails around Buck and Bear Valley Lakes, and everything in between in the Challis and Salmon National Forests.

Small-town Charm As a town that caters to outdoor lovers, Salmon is accustomed to weekend visitors who’ve come to explore. Williams recommends the Shady Nook for fine dining or Bertram’s Brewery. She also encourages travelers to venture off Main Street.

“There are a lot of unique businesses tucked away on side streets that don’t even have Web sites,” Williams says.

Rags and Wags, a favorite thrift shop/humane society center, is one such secluded gem. “We would get an armload of clothes for river trips and it would only cost $3,” says Carson Workman, an avid Salmon kayaker.

“Salmon is looking to keep the small-town atmosphere, but we also love to have new businesses come through,” Williams says. So many popular small towns begin to look the same, with chain restaurants and retailers crowding out the locally owned, but Williams says it hasn’t been difficult balancing the city’s growth and originality.

“Most new businesses want to take part in the community,” she says.

She also notes that although Salmon is beloved for its summers, people still come from November to February for snowmobiling, steelhead fishing and skiing at the Lost Trail Resort.

Shops and barn in and around Salmon

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Community Magazine

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At the end of the tumultuous 1960s two groups of artistic rebels remade the art world. See h ow.

Turning Point: the Demise of Modernism and the Rebirth of Meaning in American Art Brigham Young University Museum of Art | July 17, 2008â&#x20AC;&#x201C;January 3, 2009 Free Admission | Free MP3 and Cell Phone audio tours available | http://moa.byu.edu

utah â&#x20AC;&#x201C; hometown profile

Herriman Salt Lake Valleyâ&#x20AC;&#x2122;s Best Kept Secret The aggressive growth of this Salt Lake Valley community has put a once-obscure hometown on the Utah map.

By Ali Monson A city monument marks the spot where Fort Harriman once stood.

Photos by Shane Wolf Community Magazine

27

hometown profile – utah Some call it Salt Lake Valley’s best-kept secret.

Others rave about its panoramic mountain views and breathtaking sunsets.

Regardless of the local buzz, there’s no denying that Herriman is thriving on its newfound popularity. The town, located just 22 miles southwest of downtown Salt Lake City on Butterfield Creek, has blossomed out of obscurity in recent years, becoming one of Utah’s fastest growing communities.

Before its recent housing explosion, the quiet town was somewhat hidden from recognition, overshadowed by the better-known cities at its borders — Riverton to the east, South Jordan to the north, and Bluffdale to the southeast. But little old Herriman is working hard to catch up with its neighbors. As of 2007, the city’s population totaled 14,643 people; that represents an 862 percent growth since 2000.

The dramatic population boom is partly attributed to a large development in southeastern Herriman called Rosecrest. That growth is expected to continue, thanks in part to a 2007 court ruling allowing 4,000 acres to be annexed from the neighboring city of Bluffdale into Herriman for further Rosecrest expansion. The city’s population is expected to grow to more than 40,000 residents by 2020.

Hometown Happenings Back before the city was “discovered,” the Herriman Mercantile was the only shop in town.

Herriman’s first traffic light didn’t make its way into town until 2004. Now Herriman is home to the typical array of businesses, with commercial development continuing. But today’s commercial growth within the city hasn’t taken away the community’s friendly feel. Herriman’s tuckedaway location gives residents the best of both worlds: reasonable access to Salt Lake City and a hometown-style break from the bustle.

The city — specifically the Herriman Arts Council and the Herriman Events Committee — sponsors a variety of community-building events for its residents, including an art and talent show, various children’s theater projects, a community Easter egg hunt, movies in the park, rodeos, a pumpkin festival, a Christmas sing-along and much more.

The Herriman Arts Council also presents musical and theatrical performances throughout the year, some of which are performed in Butterfield Park.

The group is currently working toward creating its own orchestra, as well.

The goal of each city-sponsored activity is the same: Provide opportunities for Herriman residents to enjoy friendly, enjoyable associations with their neighbors.

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Recreation Galore Herriman’s emphasis on neighborhood parks and green space is obvious — and a feature of the city that is undoubtedly attracting newcomers.

It’s difficult to go anywhere in Herriman without running into a park. In fact, the city, which covers 9.1 square miles, is home to 29 parks.

One such recreational venue, known as the Splash Pad, is especially unique. The playground, which runs its water May through October, features 15 different sprayers shaped in a variety of designs that shoot water on those looking for a refreshingly good time.

Herriman’s emphasis on outdoor recreation extends beyond its lengthy list of parks to a collection of great running trails, bike trails and a skate park. The city also puts emphasis on the outdoors in general, which is evident in its investment in all things green. Last year the city was recognized with the Tree City USA distinction — an honor bestowed only on those communities that meet specific tree-centered requirements.

Historically Speaking Many in the community can trace their roots back to two of Herriman’s founding fathers: Thomas Jefferson Butterfield and Henry Harriman. As early members of The Church of Jesus Christ of Latterday Saints, both men journeyed by handcart from Nauvoo, Ill., to the Salt Lake Valley, where they eventually settled in Herriman. By most accounts, Butterfield was the first to discover the land now known as Herriman. In 1851, while looking for fresh water and land to raise their livestock and families, he and Samuel Egbert found a small stream flowing from a canyon. Butterfield returned to explore and then moved his family and animals to the land he had discovered. The area soon became known as the Butterfield Settlement.

In 1855, Butterfield, Harriman, Egbert, Robert Petty and John Stocking built a fort — called Fort Harriman — in the Butterfield Settlement to protect against Indians. Just three years later, Brigham Young instructed the settlers to abandon the fort before Johnston’s Army arrived. Today, a city monument marks the spot where Fort Harriman once stood.

Some of those early pioneers returned to the settlement to establish a permanent town. Since Harriman was the leader of the local LDS Church members in the settlement at the time, they changed the name from Butterfield Settlement to Harriman in his honor. The spelling was later changed to Herriman.

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Splash Pad, Herriman City Skate Park and Rosecrest Park

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September/October 2008

A fossilized trilobite found near Delta, Utah.

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Rockhounding 101

You don’t need to know the difference between agates and crystals, rhyolites and corundum, or the Pliocene and Miocene eras to enjoy rockhounding in Idaho and Utah.

If you aren’t afraid of getting dirt under your nails, there are plenty of places to dig with endless keepsakes to find. And you don’t need a geology degree to find breathtaking star garnets, a handful of sapphires or 400-million-year-old fossils.

Picking the brains of some local geologists and rock hounds unearthed this list of common treasures found just below the surface of Idaho and Utah. Follow these tips, and you won’t come home empty-handed.

But before you set out on a day of digging, be sure to pack the right gear.

What to Pack Pete Parsley of Boise, a geologist and avid rock hound, suggests bringing the following items that you can find around the house or at any gem shop: Rock hammer. Unlike your average household hammer, this hammer has a pick to help pry specimens loose from their host rock (or substrate).

Shovel. A spade-style shovel lets you dig deeper than what bare hands can accomplish alone. It’s particularly useful for digging in sand and gravel to find garnets.

A shovel may come in handy, too, if you get stuck between a rock and a hard place.

Hand lens. A magnifying glass or a jeweler’s loupe allows a much closer look to identify or see the beauty and complexity not visible to the naked eye.

Compass, map or GPS. Gems and geodes aren’t worth much if you can’t get back to show them off. Heading to remote areas is risky, especially if it’s new territory for you. Keep oriented with navigational tools.

Backpack and sample bags. With any luck (and this article), you’ll pack out more than what you started with. Take plastic or canvas bags to store samples and a backpack. Pack newspaper to wrap fragile specimens like leaf fossils.

Screens and magnets. Use these to identify magnetic materials and sift out sand and gravel.

Goggles, safety glasses or sunglasses.

Rocks in your pockets are okay. Rocks in

By Jamie Dillon

your eyes aren’t. Protect your eyes from rock chips that fly when you wield a hammer.

Appropriate apparel. Even on hot days, leave flip-flops and shorts behind.

Long pants and ankle-high boots protect you from brush, jagged terrain and snakes.

A hat guards your scalp and face from the sun — even on a cloudy day.

Sunscreen and insect repellent. Keep the sun and bugs at bay. Since UV rays can reflect off water, sand and rocks, you can even get sunburned in the shade.

Water. Drink about two liters daily and more when the temperature rises. Pack enough to hydrate for several days, even if you plan to return by nightfall.

A buddy. While most don’t consider rockhounding a dangerous exploit, accidents happen. Travel with others to help minimize dangerous situations.

Breaking a leg or dealing with a snake bite is easier if there’s someone to help.

Respect for Mother Nature. Don’t forget to take a sense of responsibility — not only for yourself, but also for the earth. Leave the ground in good shape by filling in holes and packing out trash. Drive vehicles on designated public lands. There’s plenty of rock to go around as long as you don’t damage the environment to get to it.

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feature Can You Dig it?

With all your gear in tow, it’s time to find: Geodes and thunder eggs. Nature’s baseballs, these round rocks don’t look like much from the outside. Splitting them in half reveals a completely different ballgame. The patterns and colors inside are stunning. Each thunder egg and geode is as different as one snowflake to another.

To tell the difference between the two, remember geodes are hollow in the middle; thunder eggs are solid. To find them, go to Succor Creek near Homedale, Idaho, on the Oregon side of the Idaho-Oregon border. Because of its popularity, rock rookies can find other people there to help distinguish between just-your-average round rock and those worth packing home.

Horse fossils. Idaho’s Hagerman Fossil Beds offer a great day of discovery.

Halfway between Boise and the Utah border on Interstate 84, you’ll find a visitor center with portions of 200 individual horses and 30 complete horse fossils displayed. Guides offer tips on where to dig horse fossils and talk about how sand buried horses in this large, panoramic canyon. Further north, more fossils abound at the Bruneau Sand Dunes.

Discover petrified wood and fossilized fish teeth, mushrooms and pine cones; chances are good they’re in plain view.

Leaf fossils. The oldest leaf fossil DNA found in the Gem State is located at the base of the state’s panhandle, about an hour northeast of Moscow at Clarkia Miocene Lake. Look for the visitor center to get started, but truly, all you need is a butter knife to uncover these fragile finds and some newspaper to carefully wrap the plant imprints you plan to take home.

Opal. Find rainbow in a rock as a multitude of colors glint in milk-glass stone. Spencer Opal Mines is the place.

A nominal fee ($5 for adults and $3 for children) allows explorers to dig in a minimine and return home with brilliant gems in late spring, summer and early fall. Pay $40 to dig in the main mine five weekends a year. Visit www.spenceropalsmines.com for more information, including directions for the four-hour drive from Salt Lake City or Boise.

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September/October 2008

Peach colored topaz from Topaz Mountain, Utah Photo by Kevin Kiernan

Petrified wood. How do you tell petrified wood from the run-of-the mill variety? Hit it, and it more closely resembles a stone. If digging deep doesn’t interest you, collecting petrified wood is for you; it’s easy to find in Utah’s Uinta Mountains or Idaho’s Owyhee Mountains and Succor Creek.

Potassium-rich feldspar. As pink as filleted salmon, potassium-rich feldspar brightens any rock collection. Land around Utah copper mines is good to search for pink, crystal-shaped rocks. If you find yourself at the Bingham Copper Mine 30 minutes southwest of Salt Lake City, stop to enjoy the magnificent mine itself, which plunges 0.75 miles deep and 2.5 miles wide and has yielded more than 17 million tons of copper over 102 years. Pack a camera with a very wide lens.

Quartz. Often cinnamon-colored, this common crystal juts from rocks in a prism. Dismal Swamp sounds ominous, says geologist Coyote Short, but it assures less-than-dismal results. Idaho’s Trinity Lakes camping sites make this a familyfriendly excursion. Quartz generally requires digging, Short says, but her tip for success is to follow stream beds and gullies and dig off the top of the soil. If you find yourself near McCall, Idaho, and Brundage Mountain Ski Resort in the summertime, look for quartz there, too.

Sapphire. Most think of sapphires as September’s cornflower blue birthstone, but sapphires appear in almost every color.

At Goose Creek, just north of Brundage, champagne-colored sapphires attract rock hounds. Like quartz, sapphires live in stream beds; dig in the bedrock and screen gravel to find them.

Star garnets. See a star garnet firsthand to understand why it is Idaho’s gem.

Polished and held to the light, a four- or five-pointed star shines against a rich plum backdrop. Eugene Stewart knows every detail, from where to find them to what makes them so unique. Stewart owns Stewart’s Gem Shop in Boise, a business founded by his father, who pioneered the gem in 1951 (www.stewartsgemshopinc.com).

In Idaho’s panhandle near St. Maries, discover the 12-sided crystals at Emerald Creek. St. Joe National Forest Service set aside the land for the public to mine star garnets for a small fee. Some stones mined from Idaho’s panhandle are worth several hundred to thousands of dollars.

Topaz. Head to Topaz Mountain, Utah, to find the state’s gem. Topaz glitters in snow-white rhyolite rock. Cracks or bushes breaking through make it easy to identify soft areas easy for digging. Learn more, including how to get there, by visiting www.utahoutdooractivities.com/topaz.html.

Trilobites. Akin to insects, spiders and crabs, trilobites’ washboard-style exoskeletons make for interesting fossils.

More than 500 trilobite fossil types in Utah alone come in all shapes and sizes, most 400 million to 600 million years old and found in limestone deposits.

“Trilobite fossils are so cool. The whole state of Utah is famous for these critters,” says Short, who lives in Idaho and takes many trips to Utah for them. “Some are fancy with antennas. Some are like little horseshoe crabs, some as small as a pin’s head.” Short recommends the House Range in western Utah for trilobites; there are no limits on the amount of trilobites to collect.

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Photo Contest Winners

people Winner

Erik Miguel

St. George, Utah

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Paul Nielson

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Allison Brown Holladay, Utah

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Tips for Taking Better Photos Today’s digital cameras make it easier than ever to shoot great photos. However, many of the same photography principles still apply just as they did years ago. Here are a few tips to help you get the most out of your camera.

By Colin Kelly Jr.

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September/October 2008

Ditch the Flash While the built-in flash on your camera certainly does the job, it can produce flat, boring photos — especially when shooting portraits. Manually turn off your flash from time to time and add serious drama to your photos by playing with subtle differences of shadow and light on each side of your subject’s face.

Remember, without a flash, you’ll need a good amount of existing light, but direct sunlight is too much for the artistic effect. The best way to try this technique is to place your subject indoors about two feet away from a large window without direct sunlight hitting the face. Generally, north-facing windows offer the best light.

Orient your subject so that one side of the subject’s face is facing the window, then set up the camera to shoot at a slight angle to the face. Try putting your shoulder against the wall and shooting down the wall towards your subject.

Don’t forget to turn your flash back on after you’re done experimenting.

Step Back and Zoom In A common mistake people make when shooting portraits is to get close to a subject by physically moving towards him or her while zooming the lens out to a wider setting. In fact, the opposite approach will give you more natural looking portraits.

Zoom the lens all the way in to the most telephoto setting, then move away from your subject until you’re happy with the composition.

The physics of lens design changes the perspective of a photo depending on the zoom setting. The wider the angle, the more a subject’s ears, face and nose will broaden and distort. In other words, it makes people look larger than they really are.

Zooming in all the way on a normal zoom lens will produce more realistic facial features.

Rule of Thirds The first rule of composition is the rule of thirds.

Particularly with portraits, using this rule will give your photos an artistic flare. Imagine two horizontal and two vertical lines dividing your photo into thirds with four intersecting points — just like a tic-tac-toe board. Place your main subject where the lines cross rather than centered in the frame.

Leave negative space (blank space void of distractions) in the other two-thirds of the image.

Placing the person’s face where the lines cross can make a more compelling photo than if the person is centered. Also, situating the horizon on the upper or lower line usually makes a well-composed landscape photo.

Mix Up Angles For a classic shot when shooting portraits, make sure to position the camera at your subject’s eye level or slightly higher. When shooting kids, this usually involves getting on your knees so you’re down at their level.

When a flair for the unconventional headshot hits you or if you are photographing objects, try dramatically changing your angle for a mix of dramatic effect. Get down on the ground and shoot up or use a safe stepladder to shoot down on an object. The unusual angle will bring out your inner artist and show a new take on the world.

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September/October 2008

cover story

Spaaahs Top Destination Spas in Idaho and Utah Destination spa [des-tuh-ney-shuhn spah] A place where lazy, rich people go to get pampered while everyone else goes to Yellowstone.

Not so, according to a Cornell University study claiming that destination spa-goers are fitter, happier, healthier, more alert and agile, and have greater cardiovascular health than non-spa-goers and regular vacationers. Destination spas offer comprehensive life enhancement programs that encompass hiking, yoga, massage, acupuncture, weight and stress management, visualization, workshops, and other healing and energizing modalities. And their patrons arenâ&#x20AC;&#x2122;t all rich.

By Gail Newbold

Left: Relaxation Room at Red Mountain Spa Photo courtesy of Red Mountain Spa Community Magazine

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Red Mountain Spa St. George, Utah

Photos courtesy of Red Mountain Spa

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September/October 2008

Guests at the Red Mountain Spa at the mouth of Snow Canyon are encouraged to do far more than view its stunning red-rock beauty from afar.

The spa boasts a hiking program unparalleled in the destination spa industry, offering more than 40 guided hikes for all fitness levels.

Named by Travel + Leisure Magazine as one of the world’s greatest hotels, resorts and spas, Red Mountain won’t be doing any pampering if you sign up for a hike above level one (for beginners). This is leg-quivering, heart-pounding hiking during which you are expected to scramble up sandstone domes, slide down rocks and walk through slot canyons.

But not to worry — guides are always available to lend a hand and offer encouragement, and the scenery almost makes you forget how hard you’re working. The stunning red rock formations, lava caves, wildflowers and brilliant blue skies are exhilarating.

As you return feeling self-righteously invigorated, lunch (three meals a day are included in the price of your spa package) at the Canyon Breeze Restaurant awaits. Each day a different food theme is featured — potato bar, fajita or pasta day, for example. A fresh, colorful salad bar is a daily fixture and includes green and fruit salads, healthy breads and hummus.

Dinner is the one meal of the day where guests order from a menu. Try the Prickly Pear Barbecue Glazed Pork Tenderloin with Grilled Jalapeño Cornbread and Red Chili Pecan Slaw. For dessert, order the Brule Banana Split with torch-caramelized banana slices served over scoops of homemade ice cream.

A nap in one of the spa’s 25 strategically placed hammocks may be in order about now, or lounging with a book by the pool in a cabana. Wait a minute, you’re at a spa after all, so why not indulge in the popular “fusion massage” integrating Esalen, Lomi Lomi and Thai Yoga techniques. Or experience a canyon sage warm stone massage, or any one of the Sagestone Spa’s unique mélange of treatments.

If relaxation isn’t your thing, a wide array of classes are available including Nordic walking, cardio salsa, chi ball, tai chi, yoga, Pilates, aqua sports and many more. More sedate offerings include workshops or private sessions with a fitness or health professional learning to meditate, eat healthier, release stress or discover your percentage of body fat, bone density or cardiovascular level.

Off-site adventures include biking, kayaking, horseback riding and visits to nearby national parks.

Doing absolutely nothing except enjoying the grounds and surrounding environs is pleasure enough. In the distance, black lava beds stand in stark contrast to spring meadow grasses, set against a backdrop of red rock cliffs and vivid blue skies.

Meander among the low-slung villas for views of flower-lined streams, grass, trees and a wisteria arbor. Enjoy the quiet.

Utah and Idaho residents make up only 15 percent of the spa’s business, but are the only patrons fortunate enough to receive periodic discounts throughout the year. Costs can drop as low as $239 per night per person, which includes all meals, bike usage, hikes and classes.

Red Mountain Spa 1275 E. Red Mountain Circle St. George, UT 84738 435-673-4905 877-246-HIKE RedMountainSpa.com

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cover story

Green Valley Spa & Resort St. George, Utah

Photos courtesy of Green Valley Spa

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September/October 2008

The Spanish mission theme of Green Valley Spa blends beautifully with the spartan Southern Utah landscape, particularly when softened by beds of 45,000 roses and cascading honeysuckle. The everpresent St. George sun streams brilliantly through the stained-glass wall that lines the back of the guest reception center, adding to the feeling that one has arrived at a place of peace and beauty.

The owners of this 20-acre, family-owned spa founded in 1982 are proud of its distinction as Southern Utah’s only four diamond hotel and resort, as well as one of the world’s best spas by Travel + Leisure Magazine. According to Brian Coombs, family member and man of many titles, the spa is most famous for its extensive fitness program that takes advantage of the area’s rugged beauty. In addition to outdoor hiking, biking, rock climbing and rappelling excursions into the surrounding mountains and national parks, guests can enjoy onsite amenities such as the indoor fitness studio, 19 indoor and outdoor tennis courts, racquetball and basketball courts, and six pools.

Daily hikes, such as the Petrified Dunes, a 4.5-mile mid-level hike in nearby Snow Canyon, are an important component of the Green Valley experience. (Participants select one of three fitness levels.) The Dunes hike has participants scaling three sandstone domes in petrifying succession.

“Baby steps,” coaxes guide Karl Wegkamp. The texture of the rocks is endlessly fascinating — at once resembling overlapping cookies, the back of a rhinoceros, and finally, a checkerboard.

Three healthy meals a day are served as part of each guest’s spa package, with each meal created by the former chef of the Painted Pony, one of St. George’s most popular restaurants. Classes such as boot camp boxing, aqua toning, meditation, yoga and tai chi are offered throughout the day, and the 10,000-square-foot spa delivers almost any treatment you can imagine with mouth-watering names such as Sugar and Spice Body Sculpting and Cinnamon Sugar Uplift.

Like many resort properties, Green Valley has recently begun offering its most avid fans the opportunity to purchase time in one of four jawdropping new luxury suites. For the cost of an allinclusive, three-week stay at the spa, a suite owner can essentially pay for a week of ownership and tap into Interval International, a luxury timeshare network enabling him or her to trade a week at Green Valley for premier properties around the world. Italy may not seem so enticing, however, once you step inside one of the all-white, contemporary 2,500-square-foot suites with its own exercise room, indoor sauna, 1,000-square-foot private courtyard with hot tub and more. The attention to detail is astounding, from the subzero fridge and Wolf gas range, to oversized bathrooms and velvet-lined dresser drawers.

In an effort to combat the recession, the spa is offering a two-for-one special until the end of the year at $248 per person.

Green Valley Spa & Resort 1871 W. Canyon View Drive St. George, UT 84770 435-628-8060 800-237-1068 www.greenvalleyspa.com

cover story Fitness Ridge Resort & Spa Ivins, Utah

Purposely much smaller than either Green Valley or Red Mountain, Fitness Ridge Resort & Spa has only 20 guest rooms with a maximum capacity of 40 in order to offer guests more personalized attention.

Size is the least of its differences, however.

Nicknamed “the compassionate boot camp,” guests are expected to drop pounds through hiking and other cardiovascular activities, eating lowcalorie food, and learning lifetime weight-loss skills to take home at the end of their stay. The focus is on affordability and no-nonsense principles. Feel-good spa treatments are available but the emphasis is on physical activity — lots of it. Like the other two area spas, Fitness Ridge takes advantage of nearby Snow Canyon as its morning playground — or workground as the case may be.

Some guests arrive wanting to lose substantial weight while others simply want to shed a few extra pounds. Rates at the five-year-old resort drop the longer the stay, so some stay for weeks and even months. The average cost per week ranges from $1,295 to $1,695 and includes motel-style guest rooms, three meals a day, classes and access to all the facilities.

Fitness Ridge Resort & Spa 760 S. 200 West Ivins, UT 84738 888-870-2639 435-673-6600 www.fitnessridge.com

Sego Lily Mind Body Spa Layton and Midvale, Utah

Sego Lily Mind Body Spa isn’t technically a destination spa, but after indulging in one of its three- to four-hour retreats you’ll feel like you have escaped for an entire weekend.

Many of its original treatments were inspired by the beautiful Utah desert, including the Honeydew and Paraffin Cocoon featured in American Spa Magazine as one of the top unique treatments in the nation. Inside, the attention to detail rivals any destination spa with original artwork and feng shui sensibilities in the Layton location to water walls and a cozy fireplace in the Midvale meditation area.

Enjoy the 3.5-hour Sego Lily Escape, which includes a soothing soak, harvest facial, 60-minute massage and pedicure for $235. Or the 3.5-hour Romantic Interlude featuring a couple’s massage, bath treatment, gentleman’s facial, signature facial for her and pedicure for $230 per person. If you have four hours to spare, indulge in Girls Day Out and bask in a honey body polish, 60-minute massage, harvest facial and Sego Lily indulgence pedicure for $275 per person.

Sego Lily Mind Body Spa www.segolilydayspa.com 1664 N. Woodland Park Drive Layton, UT 84041 801-525-0940

Top and right: Sego Lily Mind Body Spa Left: Fitness Ridge Resort and Spa Photos courtesy of Sego Lily Mind Body Spa and Fitness Ridge Spa

7475 Union Park Ave. Midvale, UT 84047 801-566-2502

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Photos courtesy of Coeur d'Alene Golf & Spa Resort

Coeur d’Alene Golf & Spa Resort Coeur d’Alene, Idaho

Recently rated as one of the top 54 resort spas

by Condé Nast Traveler, the newly renovated Coeur d’Alene Resort Spa is one not to miss. The 30,000-square-foot masterpiece showcases water and stone in its design as well as its spa treatments.

The spa’s OH (only here) line of body treatments uses spruce and cedar scents found in the Pacific Northwest. The unique Coeur Stone Massage utilizes native volcanic basalt, marble and a heartshaped rose quartz stone, which guests take home as a gift.

According to Aleta Musante, operations manager, the couple’s fireside suite with hydro tables earned the spa the label of Most Romantic Spa by MSNBC in 2007. Also remarkable are the 19-headed showers with four hydrotherapy settings and flow-through tubs with jets that cascade over your shoulders with water that’s triple filtered. There are 14 treatment rooms in all, a full-service salon and waterfront meditation room complete with herbal teas, relaxing music and a delectable spa lunch menu. All-natural products such as Eminence, Kerstin Florian and Sothys are used to cleanse, balance, energize and beautify the skin.

Coeur d’Alene Golf & Spa Resort 115 S. 2nd St. Coeur d’Alene, ID 83814 800-684-0514 or 208-765-4000 ext. 5000 www.cdaresort.com

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cover story Napoleon’s Retreat Boise, Idaho

Thought spas primarily catered to women? Not this one. Napolean’s Retreat in downtown Boise is a guy’s paradise down to the last detail. Services include haircuts, beard/mustache trim, shoe shining, waxing and massage. A men’s traditional shave includes a hot-towel steam, straight-edge razor shave and face conditioning just like the old days.

It’s a great place to get pampered and just hang out while enjoying the pool table and digital televisions throughout the salon. Even the décor is meant to make the male population feel at home with an emphasis on wood, leather and old-time barber chairs. Foot repair, hand maintenance and hair coloring round out the manly offerings.

Prices are surprisingly reasonable for this day spa.

Meltdown, sports and deep tissue massages, for example, are only $60 for one hour.

Women are welcome as well, with a full complement of services available such as manicures, pedicures, massage and shoeshines, and most recently, the addition of stylists specializing in advanced color and modern cuts.

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Sante Spa at Tamarack Resort Tamarack, Idaho

Top and above: Sante Spa Right: Napoleon's Retreat Photos courtesy of Sante Spa and Napoleon's Retreat

The Sante Spa at Tamarack Resort, located in Idaho’s Payette River Mountains, might not be a destination spa, but it comes close with its wellness retreats focused on integrating mind, body and spirit.

One such retreat brings women together to learn snowshoeing, cross country skiing, yoga, meditation and healthy eating habits. In between, participants enjoy various spa treatments and a deeper knowledge of well-rounded living. Alpine skiers can recoup from a day of powder with the spa’s four-hour Skier’s Rejuvenation Package, featuring a 90-minute sports massage, sensitivity facial to calm the skin after exposure to the elements, and a raw earth foot rescue that heals tired feet and shins.

Detox packages eliminate the body’s toxins through a series of signature body treatments, personal training and yoga classes. For the golfers, special shoulder and back treatments are always available, including chair massages at the driving range. The 5,386-square-foot-spa offers an outdoor heated pool, hot tub, fitness facility, eucalyptusinfused steam rooms, a secluded outdoor patio and a quiet room.

Sante Spa at Tamarack Resort 311 Village Drive Tamarack, ID 83615 208.325.1570 www.tamarackidaho.com

50

September/October 2008

Napoleon’s Retreat 110 N. 8th St. Boise, ID 83702 Phone 208-424-8484 www.napoleonsboise.com

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nonprofit spotlight

Best Friends Animal Society On a blistering August day in the early 1990s, a young German couple hiking in the Grand Canyon stumbled upon an abandoned mother cat and her kittens. Sensing that the cats were in danger because of the heat, the couple rushed to their car and drove them to the nearest gas station. An hour later they were at Best Friends Animal Society, just outside of Kanab, Utah, talking to founder Michael Mountain.

“I remember showing them around the sanctuary,” Mountain says. “They were surprised to see all the dogs and cats and other animals here and couldn’t understand what it was all about.”

Mountain explained how things worked in America, that the animals come to Best Friends from other shelters because otherwise they would be euthanized. “They looked at me in absolute horror and said, ‘You mean in this country they kill homeless pets? In our country, that’s illegal.’ That insight helped set us on to the work that we are currently doing. By the way, the little kittens — we called them Hansel and Gretel — and their mother did just fine here, then they were adopted into nice homes,” he says.

By Gregory Taggart

Photos courtesy of Best Friends Animal Society

52

September/October 2008

nonprofit spotlight Animal Lovers With a Mission Best Friends is a Utah-based animal rescue organization with an international reach that has extended all the way to Peru to care for animals displaced by an earthquake. “Our team spent four months there leading a coalition of local organizations,” says Executive Director Paul Berry.

“We spent about $450,000 of our own money. Any donations over and above that, we spent on supplies and vet services for the local groups.”

Best Friends’ reach also recently extended into a Virginia courtroom. Atlanta Falcons quarterback Michael Vick was on trial for running Bad Newz Kennels, an illegal dog-fighting operation, and 47 pit bulls were at risk — this time because the Humane Society and the People for the Ethical Treatment of Animals recommended the fighting dogs be euthanized.

Other animal rescue organizations including Best Friends opposed putting the dogs down.

“I think we were the first such organization to contact the U.S. District Court to tell them that there was another alternative: Why not give them a chance?” Spokesman John Polis says. “We ended up getting 22 of the 47 dogs, more than double what the next group got.”

Soon after Vick was sentenced, Best Friends chartered a plane and flew the dogs from Richmond, Va., to Kanab. “The Vick dogs coming to Best Friends has been a media bonanza for the pit bull breed,” Polis continues. “There are a lot of good traits in the breed. They are naturally affectionate, and that includes Vick’s champion dog Lucas. He is a beauty — a real friendly guy, with a face like Jake La Motta.”

And who wouldn’t be happy, going from the ugly and always nasty dog-fighting ring to Angel Canyon, the 3,700-acre sanctuary surrounded by another 30,000 acres of leased land, all nestled among the red rock cliffs of Southern Utah? Staffed by some 450 people — 150 of whom are directly involved in animal care — Best Friends is home to about 2,000 animals on any given day. Most are dogs and cats, but you’ll also find rabbits, goats, pot belly pigs, horses, birds, burros and other creatures as well. A staff of five veterinarians attends to their medical needs, while others work with the animals so they feel comfortable among humans again. Typically these animals have been seriously abused. “We smother them with love at Best Friends,” Polis says.

“For example, the Vick dogs get regular walks, and they have indoor/outdoor access. They live in an octagon in Dog Town that has heated floors in it.

We teach them to be dogs again, and we hope that at some point they get to a place where one or more of them can be adopted out.”

A Community Affair Best Friends has grown to the point that it can help other like-minded organizations get established in places like Chicago, Los Angeles and even Salt Lake City. “The No More Homeless Pets in Utah campaign started off simply as an outreach of Best Friends,” Mountain says. “It ran that way for six years, until it was able to stand on its own.”

Best Friends depends on some 300,000 donors to do its work. With an annual budget of $30 million and a seemingly endless stream of abused pets, fighting dogs and puppy mills, it needs every donor dollar it receives. The sanctuary depends as well on the 25,000 to 30,000 animal lovers who visit each year to see what they can do to help. That visit may include a trip to the gift shop or a stint with a pooper scooper. “We had a guy named Tom Kirschbaum — the former director of the Flagstaff Symphony — who came here each year to scoop poop,” Polis says. “People can take the dogs for a walk, they can prepare their meals, and well, they can do like Tom and earn what he calls his PhD — his Poop handler’s Degree.”

Those who come stay either in Kanab or in one of the on-site cabins, often combining the visit with side trips to Zion National Park (35 miles to the west), Bryce Canyon (70 miles north), Lake Powell (70 miles east) or the Grand Canyon (70 miles south). It’s a beautiful place in many more ways than one. “It really is,” Mountain says. “There is a flock of wild turkeys I can see outside my window here who are just delightful, and the deer, and just all of it.” And there are the Vick dogs, given another chance at a dog’s life — a life as man’s best friend.

ZB

Best Friends Animal Society 5001 Angel Canyon Road Kanab, UT 84741 435-644-2001 www.bestfriends.org

ZB

Community Magazine

53

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people profile - idaho

Doug Sayer

The Visionary

By Kathryn Peterson Photo by Kevin Kiernan

Premier Technology Inc., a manufacturer and industrial contractor based in Blackfoot, Idaho, continues to experience rapid growth across all its core businesses. This year, revenues increased 50 percent, from $60 million in 2007 to an estimated $90 million by year-end 2008. The company’s success could be attributed to the company’s leader, Doug Sayer — but he won’t take all the credit.

“My role is an important one, but it’s not me. It’s the people we’ve hired that make it all happen. That’s where the talent is,” Sayer says. “It’s that old adage: The secret to success is being around people smarter than you. I’m just fortunate to be a part of it.”

Despite his insistent humility, there’s no question that Sayer’s vision has led the company for the past 12 years to its impressive growth today. Coworkers and clients say his ability to execute ideas, manage growth and maintain a keen vision for the future is phenomenal.

Since he was a boy, Sayer, 45, says he’s felt an inner drive to create things. Even when he’s not at work, he’s busy building cars, barns or houses. In junior high, he had an epiphany. “I knew that there was something really important that I had to do.

The older I got, the more I recognized that it would be business related. And now I’m sure this (Premier Technology Inc.) is it,” he says.

Premier provides products and services for a wide range of clients in the nuclear, pharmaceutical, food and beverage, mineral and chemical, and many other industries. The company’s products include structural decks, tanks and silos, sanitary piping, conveyors, and radiation shielding and equipment.

“There’s a real need for construction management and high-end manufacturing for some of these industries. There hasn’t been a lot of nuclear construction in the last three generations, and I knew there would be a need for qualified servers in that market,” Sayer says.

As the manufacturing demand increases and employee count grows, Sayer says his management style is simple: Attract, recruit and retain the best people, and then demand the best. And don’t forget to reward people for extraordinary performance.

“Every morning when I wake up, I feel like I’m running out of time,” he says. “Once I have a vision for something, the drive comes from a fear that I won’t be able to fully capitalize on something that I know exists. That’s what causes me to work so hard.”

Hans Carstensen, former president and CEO of Aviva Life Insurance in Boston, met Sayer 19 years ago as one of Sayer’s clients. At the time, Sayer was working for an outfitting business. “Doug’s instinct is to see far off,” says Carstensen, who is now the executive director at Premier Technology Inc. “Even if he doesn’t know exactly how to get from point A to point B, he knows if he focuses on the destination, we’ll get there. Put that vision together with his drive and incredible integrity, and you have a powerful combination.”

ZB

Community Magazine

55

people profile - utah

Art Cooper

Panguitch Mayor Sets Unique Precedent

By Farrah Lamoreaux Photo by Shane Wolf

56

September/October 2008

Panguitch Mayor Art Cooper’s love for his hometown runs deep. So deep, in fact, that he’ll proudly tell you that he’s already got his headstone in the Panguitch cemetery. And although he spent 40 years away from the town, he’s still a legend there, having been its youngest legislator and now its oldest mayor.

Cooper’s interest in politics started innocently enough. At age 7, he overheard his father — himself inaugurated as mayor of Panguitch when Cooper was about 2 — arguing against a third term for Franklin D. Roosevelt. Cooper was entranced with his use of important sounding words like “indispensable” and “precedent,” and set forth to sway his classmates’ political leanings (such as they were).

Four years later, Cooper became mesmerized by the resonant voice of New York Gov. Thomas E. Dewey on the radio. He was so mesmerized, that he became convinced Dewey should be the next U.S. president. Cooper obtained campaign materials for the 1944 election and persuaded his classmates to distribute them around the neighborhood.

His political career didn’t begin in earnest, however, until 1958 when Cooper, on leave from the U.S. Air Force, was approached by some Panguitch residents suggesting he run for a seat in the Utah State Legislature and help them win it back from the Democrats. At 25, Cooper filed for the seat, then returned to Texas to continue his Air Force duties.

Even with minimal campaigning, Cooper received 66 percent of the vote and became the youngest legislator ever elected in Utah.

After fulfilling his two-year term, he moved out of politics and into education, obtaining a graduate degree in education from Vanderbilt University in Nashville, then spending the next 34 years teaching at universities in Arizona and Texas.

However, several years after retirement and despite the fact that all of his children and grandchildren lived elsewhere, Cooper was drawn back to Panguitch, a city to which he says he has an almost mystical attachment.

Shortly after his return, Cooper went to visit his second-grade teacher, Mrs. Gardner, then 92. She shook her finger at him and speaking to him like he was still in her class said, “Arthur, with your education and experience, we need you on the City Council.”

Cooper retorted, “Now why would I want to get involved with that stuff now that I’m retired?”

After weeks of good-natured badgering, Cooper decided to agree — on the condition that Mrs. Gardner would be his campaign manager. But before he could ask her, she was stricken with cancer and passed away.

Cooper fulfilled his promise to her and was elected to a four-year term. Shortly into it, he was encouraged to run for mayor. Up against two other candidates, Cooper won 67 percent of the vote in the general election, effectively cementing his place in Panguitch’s political history. And, in a unique twist of fate, he was sworn in as mayor almost 72 years to the day that his father had been sworn in.

Now mayor for almost three years, Cooper calls himself the busiest retired person in Panguitch, but says he wouldn’t change a thing. “I like to feel that I’m rendering a service to my constituents and the people of Panguitch. Really, everything about it is fun,” he says.

ZB

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speaking on business

speaking on business Zions Bank’s “Speaking on Business” radio program highlights the diverse businesses of both Utah and Idaho. Business expert Fred Ball hosts the program and discusses the intriguing stories behind everything from homegrown startups to large corporations.

Fred Ball has been “the voice of business” on Utah radio for more than 25 years. He joined Zions Bank after retiring from a successful business career, first as an executive with a national trucking firm and later as president of the Salt Lake City Chamber of Commerce, a position he held for 25 years. Fred has been named Small Business Journalist of the Year by the Small Business Administration.

Fred has featured thousands of businesses since the program first aired in Utah in January 1997. The radio program then expanded to feature Idaho businesses in January 2002. Thousands of listeners enjoy hearing the program every weekday on the following radio stations throughout Utah and twice a week in Idaho:

Fred Ball

Utah Broadcast Schedule

Weekdays KSL 1160 AM (7:25 a.m., 11:47 a.m., 5:25 p.m.)

KSL 102.7 FM (7:25 a.m., 11:47 a.m., 5:25 p.m.)

Logan – KVNU 610 AM (7:43 a.m., 5:28 p.m.)

Manti – KMTI 650 AM (8:15 a.m., 5:25 p.m.)

Moab – KCYN 97.1 FM (7:40 a.m., 5:20 p.m.)

Monticello – KAAJ 103.5 FM (7:50 a.m., 5:10 p.m.)

Richfield – KSVC 980 AM (8:20 a.m., 5:22 p.m.)

Price – KOAL 750 AM (7:30 a.m., 5:18 p.m.)

St. George – KDXU 890 AM (7:25 a.m., 5:25 p.m.)

Vernal – KVEL 920 AM (7:45 a.m., 5:15 p.m.)

Idaho Broadcast Schedule

Tuesdays and Thursdays Boise – KBOI 670 AM (7:45 a.m., 5:20 p.m.)

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Montpelier – KVSI 1450 AM (7:42 a.m., 5:15 p.m.)

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Soda Springs – KITT 100.1 FM (7:30 a.m., 5:30 p.m.)

Twin Falls/Jerome – KLIX 1310 AM (7:42 a.m., 5:18 p.m.)

Weiser/Wilder/New Plymouth – KSRV 1380 AM (7:20 a.m., 5:20 p.m.)

Community Magazine

59

speaking on business

Mitchell’s Restaurant

speaking on business Excerpts from the Zions Bank Speaking on Business Radio Series

Mitch Hall Photos by Kevin Kiernan

60

September/October 2008

The day starts early for Mitch Hall.

On weekdays he arrives at his business, Mitchell’s Restaurant, at 5 a.m. to prepare for the day. He greets customers and helps serve them breakfast.

This has been his routine for the past 14 years since he opened his Idaho Falls restaurant. After working at another restaurant for 16 years, Mitch decided he was ready to try something on his own.

He found a location with everything set up and ready to go. All he had to do was purchase the inventory, pay rent and place a deposit on the property, and Mitchell’s Restaurant was open for business.

Mitchell’s Restaurant serves traditional American cuisine. Mitch says most of the food is made from scratch including dinner rolls, biscuits and potato salad, and chefs even bread the chicken-fried steaks. The homemade soups are so popular that many days, customers call in the morning to ask about the soup of the day.

The restaurant is located in a truck stop, so Mitch says clients include a mix of locals and truck drivers. He hears truck drivers commenting all the time about how good the food is, especially compared to the generic food they’re accustomed to eating while on the road.

Breakfast is served all day at Mitchell’s Restaurant and is a customer favorite. One of the menu’s featured items is the ham and eggs breakfast, which comes with almost a pound of ham. The ham is so large it’s served on its own plate.

Mitch tells me he is a people person and loves being involved in all aspects of his business. Although he’s the owner, it’s not unusual to see him talking with and serving customers, washing dishes or even cooking.

The Idaho Falls area continues to grow and expand with new restaurants and chains opening all the time. Mitch says what keeps Mitchell’s Restaurant going is the right combination of food and reasonable prices.

ZB

Mitchell’s Restaurant 615 E. Iona Road Idaho Falls, ID 83111 208-525-8834

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speaking on business

So Cupcake

speaking on business Excerpts from the Zions Bank Speaking on Business Radio Series

Natalie Jensen, Celina Wollsieffer and Kevin Jensen Photos by Shane Wolf

62

September/October 2008

In my time hosting “Speaking on Business” I have heard quite a variety of inspirational stories behind businesses.

I love learning what encouraged people to take the plunge and launch their own company. I was quite touched after my recent visit with Natalie Jensen about her business So Cupcake, which was inspired by her daughter Celina Wollsieffer, who has cerebral palsy.

About a year ago Celina became interested in watching the cooking channel.

When the Make-A-Wish Foundation offered to grant a wish for Celina, she

chose to go to New York to see Chef Emeril, whose show was one of her favorites. Celina loved every minute of the trip, especially the delicious cupcakes the family ate while in the city.

After the family’s return to Utah, Natalie decided she wanted to do something different. She started making cupcakes in the family’s home to sell to friends and family. However, the small business grew so quickly that Natalie started looking for a new location. She and her husband, Kevin, who had joined her in the business at that point, opened the doors to So Cupcake last February.

So Cupcake sells a wide variety of delectable cupcakes, coffee, tea and hot cocoa. Some of the most popular cupcake flavors include the red velvet, carrot cake and vanilla cake. Celina’s favorite is So Attached Oreo, a reflection of her favorite expression of being “so attached” to someone. Natalie says the business can also provide specialty birthday cake flavoring and frosting.

Sometimes people get the mistaken impression that Celina’s disability makes it impossible for her to do things, but Natalie says this isn’t correct. Celina is a bright and happy 8-year-old, and So Cupcake provides a place for her to express herself.

She hopes customers can leave the shop happy, not only from the delicious treats, but also from their interaction with the child who inspired the business.

ZB

So Cupcake 3939 S. Highland Drive Salt Lake City, UT 84124 801-557-0485

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speaking on business

The Locker Room

speaking on business Excerpts from the Zions Bank Speaking on Business Radio Series

Tom Seegmiller Photos by Kevin Kiernan

64

September/October 2008

From the time he was young, sporting goods have played a prominent role in Tom Seegmiller’s life. His father worked for Picket Lumber Company which supplied athletic products, and Tom worked at the same company for several years.

He went on to manage another sporting goods store, and from there, left to work with McKnight Sporting Goods in hopes of starting an athletic department.

He opened The Locker Room in 1979 for McKnight Sports, but in 1985, he purchased the business and moved to a new St. George location. It has been going strong ever since.

The Locker Room supplies high-quality team uniforms, equipment and shoes. It outfits athletes for football, basketball, baseball, soccer, volleyball, cross country, track, and even lacrosse and rugby. Tom tells me spring is the store’s busiest time when employees are outfitting customers for baseball, soccer, football and track seasons. Still, with the birth of travel teams, most sports are no longer restricted to a certain season, and the business has had to adapt accordingly.

In addition to stocking team supplies, the store also sells trampolines, playground equipment and basketball standards. It has a large selection of retail baseball gloves for the youngest player up to the professional level. Several doctors and physical therapists send their patients to The Locker Room for shoes because they can help the patients find the right pair to meet their individual needs.

Tom strives to provide one-on-one customer service. Sometimes clients need an item at the last minute or a rush order, and Locker Room staff members do their best to help in such situations. They also service trampolines and other products, even if the items weren’t purchased at The Locker Room. Last summer Tom’s son, Tyne, joined him in the business after graduating from Brigham Young University with a business degree. Tyne will be working in the team area, which Tom hopes to expand.

Customers are the real reason The Locker Room in St. George has been around for almost 30 years now. Tom appreciates all those who have made the business a success and hopes to continue providing high-quality sportswear.

ZB

The Locker Room 514 N. Bluff St. St. George, UT 84060 435-628-4221

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sba success story

Ellie’s EZ Stop

Hometown Convenience Tom and Sidney Ellingford Photo by Shane Wolf

66

September/October 2008

In Roosevelt, Utah, it’s no secret where to find hot, homemade cinnamon rolls. Every morning, the cook at Ellie’s EZ Stop makes fresh rolls, which have quickly become a trademark at the convenience store/car wash in eastern Utah.

The business began when Tom Ellingford, a Roosevelt insurance agent, started talking to several friends who owned convenience stores. He decided to try it, too. With the help of an SBA 504 loan through Utah Certified Development Company and additional funding from Zions Bank, the business soon belonged to Tom and his wife, Sidney. They named it Ellie’s, short for Ellingford.

The Ellingfords never realized how labor intensive it would be to start and operate a business, but they did their due diligence by checking out the competition, remodeling the building and updating

the car wash. They opened for business in January 2005, just as the Uinta Basin began to experience an oil boom. The timing was right, but Ellie’s would never have started without the help of Kelly Kennington, who agreed to leave his management position at a successful store in Pocatello and move back to Roosevelt to manage the business.

Sidney does the bookwork, and her creation of a Scone Dog — a sausage cheese dog wrapped in French bread dough, sprinkled with spices and then baked — has become a hit along with the cinnamon rolls. The Ellingfords laugh about their initial idea to carry Krispy Kreme Doughnuts. It seems the company would never return their calls, so they opted for the cinnamon rolls. Smart choice!

It only takes a few minutes in the store to see just how friendly the atmosphere is. Tom grew up in the Roosevelt area and knows almost everyone, so the majority of Ellie’s customers are on a first-name basis with the Ellingfords and their staff. Plus, the Ellingfords are actively involved in the community and use car wash certificates to support local schools and community events. They still have the smalltown practice of allowing charge accounts for a few very select clients.

The Ellingfords say they want their patrons, especially women, to feel welcome and safe, so they emphasize cleanliness, friendliness and good lighting. The restrooms and building are clean and well-lit at all times, and friendliness and courtesy are the rules of the day. Tom and Sidney are as concerned for the safety of their employees as they are for their customers. They always have at least two employees working at all times, and they close at 10 p.m. daily.

The next time you pass through Roosevelt, don’t forget to stop by Ellie’s and try those mouthwatering cinnamon rolls.

ZB

Ellie’s EZ Stop 201 S. 200 East Roosevelt, UT 84066 435-722-4996

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2ECIPIENT OF THE 'OVERNOR´S !WARD FOR /UTSTANDING #ULTURAL 4OURISM

September 25 - 28, 2008 Sun Valley, Idaho

A celebration of the life of world-renowned writer Ernest Hemingway and his strong bond to the Wood River Valley and Idaho.

2008 Theme: Hemingway in Cuba

Opening Evening: â&#x20AC;˘ Hemingway in Cuba documentary presented by Hilary Hemingway and Jeff Lindsay (Q&A) â&#x20AC;˘ Lectures and panel discussions by Dr. Susan Beegel, Dr. Sandra Spanier, Marty Peterson, Stacey Guill and Brandon Schrand â&#x20AC;˘ Hemingway Hangouts Tour â&#x20AC;˘ Evening in Cuba with music, salsa and food â&#x20AC;˘ Elegant dinner at Ernest Hemingwayâ&#x20AC;&#x2122;s home sponsored by Ketchum On the Fly (rare opportunity and limited seating)

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0RESENTED BY 3UN 6ALLEY +ETCHUM #HAMBER 6ISITORS "UREAU

For event details, registration, and lodging information, ernesthemingwayfestival.com or call 1-866-549-5783 or 208-726-3423.

3 Nights Lodging starting at $142 per person at Premier Resorts Sun Valley

3PONSORED BY This program is supported in part by a grant from the Idaho Humanities Council, a State-based Program of the National Endowment for the Humanities.

ERNEST HEMINGWAYÂŽ and HEMINGWAYÂŽ are trademarks of Hemingway, Ltd. and under exclusive license through Fashion Licensing of America, Inc., New York, NY 10165

emerging technology

SentrX Animal Care

Healing Products for Veterinary Medicine

By Kelly Jeppson

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September/October 2008

Americans love their pets. Approximately 170 million cats and dogs and 9 million horses are kept as “companion animals.” Yet when these animals are injured, wounds are difficult to treat. Salt Lake City-based SentrX Animal Care is improving the treatment of animals by manufacturing products that speed healing time and prevent scarring.

SentrX was originally part of SentrX Surgical, which split off into three different companies in 2006. SentrX Animal Care focuses on veterinary applications; Palo Alto-based Carbylan BioSurgery

develops technology for humans; and Salt Lake City-based Glycosan Biosystems researches tissue engineering and other laboratory applications.

Combining bioengineering, medicinal chemistry and product manufacturing means SentrX can offer unique medical solutions for animals. Its products take on a variety of forms, such as gels, films, filmon-gauze and sponges that can be applied directly to wounds.

Traditionally, treatment of animal wounds such as cuts and abrasions involves cleaning the wound and dressing with a bandage. The damaged tissue is left to repair itself, often forming scars and taking weeks or months to heal. In some animals, especially horses, the wound may never heal. SentrX products provide support at the cellular level, which results in healthy tissue without scar tissue. Studies show that SentrX products heal wounds twice as fast as other treatments.

“The main comment we get from vets is that they’ve never seen such rapid healing without scarring, especially of difficult wounds,” says Dr. Richard Koehn, SentrX president and CEO. The products — canitriX, felitrX and equitrX — are promoted for use in dogs, cats and horses, respectively, but have also been used to treat other animals, including penguins, racing pigeons and an eagle. The products have been researched in correlation with other applications at Cornell University, Virginia Tech University, Oklahoma State University, the University of Utah and the University of Pennsylvania.

SentrX is also developing a product to be used internally during surgical procedures to expedite better healing and prevent what are called “surgical adhesions.” “One of the problems in all surgeries is that tissues tend to adhere together,” Koehn says. This complicates tissue repair and can result in additional surgeries. The films act as a physical barrier — around a ligament, for example — and prevent tissues from sticking together during recovery. Eventually the film dissolves as the wound heals.

Chemistry and biotechnology aside, the fact is that these products are changing the way animal wounds are treated, for the better. “We’ve never not seen faster healing using our products,” Koehn says.

ZB

When it comes to real estate law, we know how to play the game.

Big events? We’re wide open.

Whether it’s a party, party a conference or just your standard shindig, shindig large meetings require a special touch. And no one does bigger better than Thanksgiving Point. With multiple venues offering everything from sprawling open-air gardens to state-of-the-art conference rooms, we can make sure your particular crowd never feels crowded.

To see what Thanksgiving Point can do for your group, call 801-768-4947

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C O N F E R E N C E S & C AT E R I NG

legal

HSAs What’s Not to Like?

By Kamron A. Keele

70

September/October 2008

Rising up from the piles of tattered receipts and partially crumpled tax forms, a collective groan can be heard every year when tax time rolls around. Few are immune from the persistent thought that the government is taking too big of a bite — many of us solemnly vowing to do something about it for next year. But, as is often the case, nothing is done until the grumbling begins anew the following year.

One of the best ways to muffle your share of this annual gripe is to set up a Health Savings Account.

Gaining popularity since its introduction in 2003, but still overlooked by many, HSAs are special accounts into which individuals can contribute — on a “pretax” basis — a portion of their gross income that can then be used to pay any qualified medical expense. The main advantage of making “pretax” contributions is not paying FICA and FUTA taxes, which amounts to a tax savings of

legal

7.65 percent. Unlike Flexible Spending Accounts, if you do not use the money in the calendar year, you do not lose it. With an HSA, you can save today, tax-free, for necessary future medical expenses while also deferring tax on any accumulated interest on funds contributed but not used.

To qualify for an HSA, you must meet three criteria: 1. Be enrolled in a High Deductible Health Plan.

2. Not be enrolled in Medicare.

3. Not be claimed as a dependent on another personâ&#x20AC;&#x2122;s tax return.

HDHPs are simply catastrophic health-insurance plans that have higher annual deductibles and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses that you must pay for covered expenses. Out-of-pocket expenses include co-payments and other amounts, but do not include premiums.

HDHPs usually cost less than traditional health insurance because a higher deductible lowers your insurance premium (because the insurance company no longer pays for routine medical expenses). By combining an HDHP with an HSA, you can save money and better tailor expenses to match your individual needs.

HDHPs are plans with a minimum deductible of $1,100 for self and $2,200 for self and family coverage. The maximum out-of-pocket limits for HDHPs are $5,600 for self and $11,200 for self and family enrollment. These are the 2008 amounts and are adjusted for inflation annually.

You, your employer or any other person may make contributions to your HSA. If an employer makes deposits on behalf of its employees, nondiscrimination rules require all employees be treated equally. For 2008, the maximum amount that can be deposited in your HSA is $2,900 for individuals and $5,800 for families. All contributions made to your HSA, whether made by you or your employer, immediately become your property. While you may lose the eligibility to contribute further funds if you ever lose your HDHP coverage, any money already in your HSA will remain yours, and it is even passed to your beneficiaries if you die. To withdraw your money, as with any other bank account, you can simply use a debit card linked to your HSA, or you can write checks on the account. Receipts must be maintained to substantiate that expenses were actually qualified medical expenses.

HSAs, while a great idea for all, particularly benefit those who are young and healthy. For those lucky enough to match this description, if medical expenses are kept low over the years and contributions to the HSA are made regularly, then the HSA acts as a retirement savings plan where you can withdraw the funds after you retire, all the while deferring federal income tax on accumulated interest. The funds are there if needed, but think of any unused payments in your HSA as simply additional contributions to your 401(k) plan.

You are probably wondering by now what happens if times get tough and you need to get the money back. Although the money is yours, if you withdraw funds for nonqualified medical expenses, then you essentially lose the tax advantage of putting the money in the HSA in the first place (very similar to the penalties for removing money from your IRA account before retirement), and you also will have to pay an additional 10 percent penalty.

HSAs not only give you the flexibility to pay only for the qualified medical expenses that you need and use, but also cover many expenses not generally covered by traditional insurance plans.

For example, calculate how much you spent last year in orthodontics, chiropractic care, eyeglasses, hearing aids and over-the-counter medications.

Qualifying expenses include everything from artificial teeth and bandages to birth control pills, in vitro fertilization, stop smoking programs, vasectomies and everything in between. For a complete list of qualifying expenses, see Publication 502 at www.irs.gov/pub/irs-pdf/p502.pdf, or for a more detailed explanation of HSAs generally, see Publication 969 at www.irs.gov/pub/irs-pdf/p969.pdf.

Donâ&#x20AC;&#x2122;t wait until next April 15 to do something about your tax bill. Look into whether an HSA is right for you now.

ZB

Kamron A. Keele is an associate with the law firm of Callister Nebeker and McCullough in Salt Lake City. His practice focuses on tax, real estate and business transactions. He can be reached at kkeele@cnmlaw.com.

Please note: The preceding article is offered for informational purposes only, and should not be construed as legal advice or as pertaining to specific factual situations. Consult an attorney concerning your own needs and circumstances and to obtain any legal advice with respect to the topics discussed in the article.

Community Magazine

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financial tips

10 Tips for Avoiding

Mortgage Fraud The Utah division’s “Top 10 Tips for Avoiding Mortgage Fraud” aims to help citizens educate themselves against fraud before entering into any binding agreement.

“Consumers need to be vigilant about checking out every part of a real estate purchase or loan agreement,” says Mark Steinagel, director of the Utah Division of Real Estate. “Mortgage fraud can be avoided if citizens arm themselves with information.”

10 Do’s and Don’ts From the Utah Division of Real Estate

Whether you are buying a home, purchasing an investment property or refinancing your home loan, consumers need to be aware of the pitfalls of mortgage fraud.

Mortgage fraud is a growing problem nationwide and Idaho and Utah are not immune. A recent FBI report estimates that Americans lost more than $813 million dollars to mortgage fraud during fiscal year 2007.

The Utah Division of Real Estate licenses real estate agents, appraisers and mortgage brokers, as well as investigates fraud in the real estate industry.

The Idaho Real Estate Commission licenses real estate agents while the Idaho Bureau of Occupational Licenses licenses appraisers, and the Idaho Department of Finance licenses mortgage brokers. Each of these agencies investigates fraud in their respective real estate industries.

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September/October 2008

1. Don’t provide false information about your employment, credit score, income or whether you will occupy the home.

2. Don’t use a false identity to get a loan for yourself or let someone else use your identity (name, social security number or credit score) to get a loan for them.

3. Don’t borrow more money in mortgage loans than you can afford to pay.

4. Don’t sign blank or incomplete documents or documents you do not understand.

5. Don’t expect to get “paid” for buying a home.

6. Don’t conspire to sell your home at an artificially inflated value.

7. Do be cautious about promises of “high rate returns” in real estate “investments.”

8. Do read and keep copies of all documents you sign.

9. Do ask questions and make sure you understand everything you sign.

10. Do work with licensed professionals who are in good standing with the Utah Division of Real Estate or the Idaho regulatory agencies.

ZB

For more information or to check an individual’s real estate, appraiser or mortgage broker license, log on to the Utah Division of Real Estate Web site at www.dre.utah.gov or call 801-530-6747. In Idaho, go to the Idaho Real Estate Commission Web site at www.irec.idaho.gov or call 208-334-3285.

Time to Sell

Your Business?

Plan Ahead for the Long Journey

By Greg Chiampou

There comes a time in nearly every business owner’s life when the question must be faced: Is it time to sell the business and move on?

You can prepare for that question far before it’s time to answer it. By planning ahead, you are more likely to have a better understanding of your options and how each one might affect your personal and financial goals.

If you know you’ll want to transition your business in the next five years, now is the time to put the planning wheels in motion.

financial tips

Buyers are going to look at both your intangible and tangible assets, so you need to evaluate how you look on paper. For instance, if you’re operating as a pass-through entity and not showing a profit, you might consider restructuring.

Buyers will also look at your business operations.

The more capacity there is to leverage operations, market position or finances, the more attractive the business will be to a buyer. So, now might be the time to look at your growth plan.

Buyers will assess the business’s viability without your ongoing involvement. A robust management succession plan should support the business’s value.

Step 3: Accounting for Emotion Even in the most harmonious families, serious conflicts can arise around the sale of a business. Add in the competing interests of employees, community, partners and your own personal goals, and the emotions can run very high.

A well-conceived plan can address family and estate issues. It can also help you implement key employee incentives that can make your transition much smoother for everyone involved.

Step 4: Protecting Your Assets If you’re like most middle-market business owners, you may have a significant portion of your wealth tied up in your business. That’s why it’s so important to look comprehensively at the financial impacts of the sale. At every stage, there are opportunities to protect your assets and increase their value — everything from putting a price on the business, structuring the transaction and creating a wealth management strategy for the years after the sale.

Selling is a big decision, but with a good plan, the road to your next adventure in life is just ahead.

ZB

Step 1: Sketching the Big Picture Business sales are complex. Before you set out, you should have a sense of where you want to go.

Will you retire? Start another business or career?

You’ll need to calculate the price of those dreams.

What price can you realistically get for your business? Can you do anything to add value before the sale? What are the transition alternatives?

Step 2: Staging the Business for Sale If you’ve ever sold a residence, you probably improved and “staged” the home to make it more appealing. Selling a business is the same: You need to “tidy up” to attract a good buyer. But the business equivalent of new paint and carpet is a bit more involved.

Greg Chiampou is director of private business services at Contango Capital Advisors. Chiampou provides clients with informed strategies for business valuations and positioning, transaction structuring and pre-liquidity planning.

Investment products and services offered through Contango Capital Advisors Inc., a registered investment adviser and a nonbank subsidiary of Zions Bancorporation, are NOT insured by the FDIC or any federal or state governmental agency, are NOT deposits or other obligations of, or guaranteed by, Zions Bancorporation or its affiliates, and MAY be subject to investment risks, including the possible loss of principal value of amount invested.

Community Magazine

73

financial tips

No Phishing

Allowed

Keeping Your Information Secure

By Kathryn Peterson

Keeping your personal and account information secure is a top priority at Zions Bank, where stateof-the-art security measures are utilized to protect your information. However, it is ultimately your responsibility to keep your information secure when using Internet banking.

By far, the financial services industry is the most targeted industry sector of all phishing attacks, according to the Anti-Phishing Working Group.

The damage caused by phishing ranges from loss of e-mail access to extreme financial loss.

Susan Grant, former director of the National Consumers League’s Fraud Center in Washington, D.C., says she saw new variations of scams all the time. “Online scams are very clever and people don’t think it will ever happen to them,” she says.

The following tips about phishing will help protect you, your personal information and your computer when you are online.

What Is Phishing?

Phishing is a form of fraud designed to steal your identity. It works by using false pretenses to get you to disclose sensitive personal information, such as

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September/October 2008

credit and debit card numbers, account passwords or Social Security numbers. Typically, the message asks you to “update,” “validate” or “confirm” your account information.

One of the most common phishing scams involves sending a fraudulent e-mail that claims to be from a well-known company. You think you’re giving information to a trusted company when, in fact, you’re supplying it to a criminal.

To help you better identify fake e-mails, Zions follows strict rules. The bank will never ask for personal information in an e-mail, such as credit and debit card numbers; bank account numbers; driver’s license numbers; e-mail addresses; and passwords.

A genuine Zions Bank e-mail will never include attachments or software.

Things to Look For Fraudulent e-mail and Web sites are designed to deceive you and can be difficult to distinguish from the real thing. Links are sent out via e-mail to make the scam seem more legitimate.

Whenever you get an e-mail about your Zions Bank account, the safest and easiest course of action is to open a new browser. Type http://www.zionsbank.com and log in to your Zions Bank account directly. Do not click on any link in an e-mail that requests personal information.

How to Report a ‘Phishy’ E-mail • Forward the entire e-mail to info@zionsbank.com.

• Do not alter the subject line or forward the message as an attachment.

• Delete the suspicious e-mail from your e-mail account.

Zions will let you know quickly if the e-mail is legitimate. Your vigilance helps protect other Zions Bank users.

More Steps to Protect You From Phishing If you get an e-mail or pop-up message that asks for personal or financial information, do not reply. Don’t click on the link in the message, either.

Legitimate companies don’t ask for this information via e-mail.

Monitor your Zions Bank account. Check your account periodically for suspicious activity. If you notice unauthorized use, report it to Zions Bank.

Keep security software current. Update your firewalls and security patches frequently.

Be smart about your password. Change passwords often and use unique passwords that include letters, numbers and symbols.

ZB

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

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dining feature and leisure guide

Baxter’s American At Baxter’s American, guests are encouraged to escape their kitchens without abandoning the classic foods they crave. Lunch and dinner menus offer familiar favorites with a flavorful twist like the “Bad Hair Day” halibut, “Not Your Mother’s” meatloaf, “Baxter’s Comforting” tomato soup and a high-style cheese steak.

A full-service bar with Baxter’s distinctive drinks and an extensive wine list complement any meal. Baxter’s popular Sunday Brunch features seven different eggs benedict choices and other delectable favorites like crème brûlée French toast or vegetable frittata — all offered with an array of specialty cocktails. Clean forks are happy forks at Baxter’s American.

13 N. 400 West (Gateway Shopping Center) Salt Lake City, UT 84101 801-456-8999 www.baxtersamerican.com Lunch M-F 11:30 a.m. to 3 p.m.

Dinner M-Sun. 5 p.m. to 10:30 p.m.

Sunday Brunch 11 a.m. to 3 p.m.

The Blue Boar Inn & Restaurant The Blue Boar Inn & Restaurant offers fine dining nestled in the enchanting Heber Valley. The AAA Four Diamond establishment boasts the highest possible Zagat rating, five Wine Spectator’s Awards of Excellence and numerous Best of State awards including 2007 Best Chef, Best European Dining and Best Brunch. Whether feasting on the Hinterhof patio or in the inviting dining room, guests feel as if they have escaped to a secret European hideaway. Award-winning rooms are also available to complete a getaway. Open daily for breakfast, lunch and dinner and five-course brunch each Sunday.

1235 Warm Springs Road Midway, UT 84049 888-650-1400 www.theblueboarinn.com Breakfast M-Sat. 8 to 10:30 a.m.

Lunch M-Sat. 11:30 a.m. to 2:30 p.m.

Dinner M-Sun. 5:30 p.m. to 11 p.m.

Sunday brunch 10 a.m. to 2 p.m.

The Blue Heron Inn The Blue Heron Inn bed and breakfast is located on the banks of the Snake River. The inn features spectacular country views with old-fashioned hospitality. Select one of the inn’s seven beautiful rooms, each with a private bath, and every morning enjoy a delicious gourmet breakfast served in the sunny dining room. Let the innkeepers arrange a memorable honeymoon, a romantic getaway, guided fly-fishing, horseback riding, snowmobiling, skiing and a host of other activities.

Fanny’s Grill Fanny’s Grill offers a casual atmosphere with dining on the patio overlooking the golf course or indoors so you can catch the game. Fanny’s offers breakfast, lunch and dinner with house specialties like bread pudding French toast, banana granola pancakes, the “Crater Club” and grilled portobello sandwich.

Our menus also include an assortment of steaks, pasta, seafood, salads and sandwiches sure to please everyone. We also have an ice cream bar featuring Ben and Jerry’s premium ice cream and our wine list has the best prices in the valley.

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700 North Homestead Drive Midway, UT 84049 800-327-7220 or 435-654-1102 www.homesteadresort.com Breakfast 7 a.m. to 11:30 a.m.

Lunch 11:30 a.m. to 4:30 p.m.

Dinner Sun.-Wed. 4:30 p.m. to 9 p.m.

Thu.-Sat. 4:30 p.m. to 10 p.m.

4175 E. Menan Lorenzo Highway Rigby, ID 83442 208-745-9922 866-745-9922 www.idahoblueheron.com

dining leisure guide dining& and leisurefeature guide

Garden Café Relax and enjoy the eclectic menu and charming ambiance of the Garden Café.

Located in The Grand America Hotel, the café features breakfast and lunch buffets, as well as an extensive a la carte selection for breakfast, lunch and dinner. The Garden Café is highly acclaimed for “The Best Sunday Brunch” offered each Sunday from 11 a.m. to 2:30 p.m. The Grand Seafood Buffet offers an array of fresh seafood and takes place Saturday evenings from 5 p.m. to 9 p.m.

555 South Main St. Salt Lake City, UT 84111 801-258-6708 www.grandamerica.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

Harvest Experience the simple elegance of Thanksgiving Point’s signature restaurant, Harvest. We offer a tasty blend of American dishes with exotic Mediterranean influences. The result is so good, you may end up facing the most delicious decision of your life.

3003 N. Thanksgiving Way Lehi, UT 84043 801-768-4990 Lunch M-Sat. 11 a.m. to 3 p.m.

Dinner M-Sat. 5 p.m. to 9 p.m.

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.

63 E. South Temple Salt Lake City, UT 84150 801-539-3258 www.diningattemplesquare.com/pantry.html

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dining & leisure guide dining leisure guide feature and

Lugano Celebrating eight acclaimed years in Salt Lake’s Millcreek neighborhood, Lugäno offers award-winning Italian cuisine thriving on fresh organic ingredients, grown locally when possible. The restaurant combines a cozy bistro-style atmosphere with the rich textures of Italy. An open-air kitchen with wood-burning oven is centrally located to allow guests a view as their meals are cooked to perfection.

3364 S. 2300 East Salt Lake City, UT 84109 801-412-9994 www.luganorestaurant.com

Visit www.luganorestaurant.com to find out more about this award-winning menu and international wine list, special public events, cooking classes, private parties and a wide variety of catering opportunities.

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 it’s 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.

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.

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.

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10th floor, Joseph Smith Memorial Building 15 E. South Temple Salt Lake City, UT 84150 801-539-1911 www.diningattemplesquare.com/roof

Mile 14 Highway 128 Moab, UT 84532 435-259-2002 866-812-2002 www.redcliffslodge.com

dining & leisure feature guide

Ruth’s Chris Steakhouse It’s here! Fresh from our grand opening in December, Ruth’s Chris Steakhouse 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 Hotel Park City 435-940-5070 www.hotelparkcity.com

Solitude Mountain Resort Dining Creekside Restaurant offers a unique European vintage cuisine for both the brunch and dinner menu — a perfect complement for the stunning patio vistas of the mountain. The Yurt will satisfy both your appetite for adventure and gourmet meals. A short hike through the woods leads you to a chef who prepares your meal while the sun sets on the Wasatch.

Inquire about Solitude’s culinary weekends, which mix cooking classes and ample opportunity to “dine-a-round” Solitude.

12000 Big Cottonwood Canyon Solitude, UT 84121 Creekside 801-536-5787 Brunch Sat.-Sun. 10 a.m. to 2 p.m.

Dinner 5 to 9 p.m.

The Yurt 801-536-5709 One seating Wed.-Sun. at 6 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

Tree Room At Sundance, dining is celebrated as an art form. The award winning Tree Room offers an intimate, personalized dining experience amid Native American art and Western memorabilia from Robert Redford’s private collection. Chef Mark Shoup’s signature style exemplifies Sundance’s earth to table philosophy and expresses the quality Tree Room guests have come to expect. The Sundance restaurants were ranked second in the U.S. in Conde Nast Traveler’s Gold List, Best of Food 2008.

Sundance Resort Provo Canyon 801-223-4200 www.sundanceresort.com Dinner served from 5 p.m. nightly.

Community Magazine

79

the last word

The Last Word

By A. Scott Anderson, President and CEO, Zions Bank

How Your Deposits Are Insured In its 135-year history, Zions Bank has weathered many economic storms and has remained a strong, viable institution. This continues to hold true today in what has been a challenging economic environment.

In recent weeks and months there has been a bit of a spotlight on the banking industry as a result of the failure of banks such as IndyMac Bank, First National Bank of Nevada and others. These events have caused concern among some customers and investors regarding the soundness of the banking industry. In particular, we have seen an increase in inquiries regarding FDIC insurance coverage.

The first thing that all clients of Zions Bank can take comfort in knowing is that their money is safe at Zions Bank. Backed by its 135-year history and the strength and stability of a $54 billion organization, Zions Bank is strong and secure. Secondly, it is important to know that not one penny of insured deposits has ever been lost by a customer of a federally insured bank.

Having said this, I have to admit to being very disappointed by the inaccuracies reported in the media regarding FDIC insurance coverage. In much of what I have read or heard in the media it has been portrayed that FDIC coverage is limited to $100,000 per person at any financial institution. However, the truth is that the amount of your insurance protection can be increased well beyond $100,000 through a combination of accounts.

While it is true that the basic insured amount for each depositor is $100,000, if your account balances exceed $100,000, there are several quick and easy ways to increase or maximize your insurance coverage. Deposits maintained in different categories of legal ownership are separately insured. So you can have more than $100,000 insurance coverage in a single institution through a combination of different categories of ownership. The most common categories of ownership are single (or individual) ownership, joint ownership and testamentary accounts.

A family of four, for example, can maintain balances of $1.7 million at one institution that are all protected by insurance coverage.

In addition to the FDIC insurance on your other deposits, each depositor is separately insured up to $250,000 for funds held for retirement purposes (i.e., Individual Retirement Accounts or Keoghs).

You cannot increase FDIC insurance by dividing funds owned in the same ownership category among different accounts. The type of account — whether checking, savings, certificate of deposit, or outstanding official check such as a cashier’s check, or other form of deposit — has no bearing on the amount of insurance coverage. Furthermore, the use of Social Security numbers or taxpayer identification numbers does not determine insurance coverage.

For additional information on how to maximize your FDIC insurance coverage without splitting your deposits among multiple banks, visit the FDIC Web site at www.fdic.gov to find publications as well as the Electronic Deposit Insurance Estimator, an interactive tool allowing you to get a summary of your FDIC coverage. Additional information is also available at www.zionsbank.com by clicking on the link to “Maximizing Your FDIC Insurance” at the bottom of the home page.

Understanding how your deposits are insured will help you to make better, more informed decisions about your money.

ZB

80

September/October 2008

Visualize

Experience

Enjoy

444 South 700 East Salt Lake City, Utah 84102 (801) 521-4773 611 West 12300 South Draper, Utah 84020 (801) 542-7159

www.everybloomingthing.cc

Š 2008 Cartier

18K pink gold 42 mm case.

Self-winding mechanical movement, Cartier calibre 049 (21 jewels, 28'800 vibrations per hour), date aperture.

Blue sapphire cabochon set on a fluted crown. Silvered lacquered opaline guillochĂŠ dial. Rounded scratchproof sapphire crystal.