Strings Attached

Transcription

Strings Attached

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

Strings Attached

Transcription

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