The SunWest Life - September 2022

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Sept 2022

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Travel:

Tips on how to Prepare for a Trip

ALSO IN THIS ISSUE

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Fall:

Best Places to see the Fall Leaves

Community:

Q&A with the Community Manager

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CONTENTS Lifestyle + Home + More

10 PREPARING THE HOME FOR FALL Home preparation is important for every season. Check out what should be on your list before we hit those cooler temperatures.

12 HOME SAFETY We want to make sure your home and family are safe. Keep your house safe with a few simple home improvements.

14 SPICED APPLE CAKE

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TRAVELLING TIPS

Fall is coming and you need to try this spiced apple cake. Apples are in season and it is the perfect recipe to share with your friends and family.

15 EXCLUSIVE!

FOOD REVIEW: BERRIES-N-CREAM 16 MANAGING A BUDGET Retirees face a critical task in managing their income and expenses to ensure that they can support their lifestyle and healthcare costs.

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TURKEY: SEEING THE WORLD

BEST PLACES TO SEE THE LEAVES

Experience another country in someone elses eyes. Check out travel expert, Aly Mortensen’s, experience in Turkey and how amazing their culture is.

With the Autumn season among us, check out our list of some of the best places to see the changing leaves in Southern Utah.

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18 MANAGER Q&A We sat down with community manager, Joseph Brimer, to talk about some commonly asked questions among the community living.

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Living in one of SunWest Management’s communities is more than just having a place to rest your head — it’s where you call home. At SunWest Management, we know it’s a privilege to say, “Welcome home!”

In our wide variety of communities that meet virtually every need, the perfect fit for your lifestyle is just through the front door of your next dream home in one of our Southern Utah communities.

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TURKEY

Turkey is a place of whimsical hot air balloons dancing over fairy chimneys, steamfilled bathhouses, sun-soaked beaches, and afternoon tea, compliments of local strangers. Turkey is a nation sometimes viewed in a bad light due to its location and the West’s views on the Middle East and its neighboring countries. Turkey and its people could not be farther from this perception; their hospitality and warmth is unmatched.

Turkey is nestled between continental Europe and Asia with the Black Sea to the North and the Mediterranean Sea bordering its entire Southern coast. Its capital of Istanbul straddles both continents via the Bosphorus Bridge, allowing you to walk, bike, or drive between continents. This prime location keeps its temperature in an ideal range year-round; temperatures rarely fall below 40ºF or exceed 90ºF. The sparkling, sapphire Mediterranean to the South also holds a temperature of 60ºF80ºF throughout the seasons to ensure the best beach day, every day.

Whether you find yourself on one of these sandy beaches, a bustling city, or a remote town, there will be no shortage of good food and locals excited to share it with you.

Kebabs are a snack-time staple and available at nearly every corner for around $2.00 to $5.00 with a cup of Turkish tea at around 50 cents, if you even have to pay at all. When deciding where to eat, always pick the place with the longest line and the least English; the best food lies where the waits are longer and locals are around.

If you are lucky enough to catch Turkey in the summertime you may find yourself chasing an ice cream cone at a street-side stall. It is common practice around most of Turkey for the vendors to make a game out of an ice cream order with locals and tourists alike; I won't tease you with the details, but a quick search for ‘ordering ice cream in Turkey’ will paint the picture!

I could go on and on about this beautiful country. It holds a special place in my heart and I hope someday yours, too. If you are a lover of beaches, friendly people, and consistently good food, look no further. Next time you are looking for someplace exciting to visit, keep Turkey in mind!

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Aly is a part-time traveler and full-time cat mom. With her extensive knowledge in only wanting to get lost in every country she travels to, Turkey is one of her favorite spots.

You can follow this Wanderlust fool at

@alymortensen

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Travelling Tips By: Brian Webster

Welcome to fall...well, almost. Until we’re enjoying those cooler temps, here are a few tips for that final summer road trip:

Security Check that your doors and windows are all latched and locked. If you have a camera system, login and be sure your cameras are updated, connected and pointing in the direction you want. Be sure to set your alarm to ‘away’, if you have one. You probably have timers for some lamps, or other lights, to turn on and off automatically, which is good. Even better, plug those lights into smart outlets allowing you to control those remotely. Some even have a random program you can set so the lights are not turning on and off at the same time each day.

HVAC You’ll likely set your air to an ‘away’ setting so it will run less while you are gone. Even still, be sure to check that your filters are fresh to further minimize any chance of the system having an issue while you are away.

Plumbing Depending on how long you are leaving, you may consider turning your hot water heater off. At minimum, if you have a re-circulation pump, you can unplug it so the whole system is not keeping hot water circulating. Be sure to check all of your faucets--inside and out. And the pro-tip: pour a little baby oil in drains. It’s water soluable so it won’t cause issues in the drain, but it won’t evaporate out like water so you don’t come back to any open-sewer smell. Eehhuuck!

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Personal Items I’m sure you are on this already, but it’s worth repeating: Be sure to bring extra of your essential prescriptions or other personal items in case the trip runs long. Over the counter medicines and other hygiene items are significantly cheaper in bulk. Remember to pack a few from your larger bottles at home before you leave. Check the weather where you are going so you can grab the right shoes, jacket, etc.

Packing the car Is there laundry where you are going so you can pack less?

If so, perhaps you can take the smaller car. Remember to leave space for your emergency kit. And always travel with extra water, especially in the summer.

Fuel and Car Maintenance Have you checked your fuel economy between using a lower octane and higher octane fuel? I have.

Everytime I run the experiment in my car, the higher octane gas pays for itself by getting a little better mileage. So, my recommendation, especially if you are traveling north of St George and will be at higher elevations: opt for 91 octane on trips. Besides it being a wash on cost with better mileage, your car will perform better on the higher quality fuel. Most cars now have tire pressure monitoring systems. Give it a look. Having all your tires at the same pressure will help them wear better on a long trip, and provide you with a smoother ride!

Here’s to safe and fun travels, and everything in its place at home when you return!

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Best Places to see the fall Leaves

By Christian Gates

In the middle of the desert, St. George isn’t the ideal place for trees or greenery to grow. Luckily for the area, you can find secret coves or forests of trees all within a short distance. Driving north on Route 18 towards enterprise, you’ll find a turnoff that takes you to the town of Pine Valley, Utah. Settled in 1859, Pine Valley has been an ideal location for cabin getaways with the average temperature being about 20 degrees cooler than St. George, year round. Due to the colder weather in Pine Valley, the environment is covered in a forest of pine trees (where the name got its origin) and has always had a reputation of being a quiet getaway.

The best time of year to go through Pine Valley is, coincidentally, in the fall when the leaves change around October/November. Make sure to bring a jacket, because in the mornings and evenings the temperature drops quickly. If you time the weather right, you can explore Pine Valley before the snow falls at the beginning of winter.

When driving into Pine Valley, you will want to drive towards the campgrounds. At the end of the campgrounds there is a parking lot that is located next to the start of the paved walking trail. This trail is perfect for riding bikes as well.

The trail length is about 1.7 miles reaching Pine Valley Reservoir at the 1 mile mark. The trail heads back toward the entrance to the campgrounds with plenty of access points to the trail along the way in. Meaning, if you feel the full 1.7 mile trail length is too long, you can park at the reservoir and start the trail.

If you find yourself with a free schedule and wanting to experience a different atmosphere than the usual St George life, take the 45 minute drive up to Pine Valley and watch the beautiful leaves change!

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No doubt it is still hot! But the change in season is approaching and there are tasks to do around the house to prepare for the drop in temperatures.

Some common Fall checklist items to add to your maintenance schedule include having your heating system serviced, sealing cracks on windows and doors, and testing your smoke detectors. Spraying for insects is also a good idea around Fall as they tend to want to go wherever is warmer or more hospitable. Download a good yearly home maintenance checklist or find a local handyman to make sure your home stays in the best condition possible!

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WAYS TO

prepare your home for the fall season Gutters-

Once the leaves fall, call your gutter company to get those gutters cleaned and inspected. Any repairs that need to be done on the gutters or downspouts should happen before winter sets in. You should also have inspected the roof for any loose or broken tiles.

Windows and doors-

Go walk around the house and check windows and doors for drafts. Caulk door and window frames where necessary.

Gardening-

You may be weary of gardening by early fall, but it is a great season to plant perennials, like peonies, columbine or hydrangea. Fall is also a good time to plant trees and shrubs and reseed your lawn. Especially in the climate Southern Utah is known for.

Air-conditioning-

If you have central air, get the system serviced.

Window units can stay in the window year round if they are sealed with no gaps. Cover the inside and the outside of the appliance to prevent drafts, provide insulation and protect the equipment from the elements.

Furnace-

Get your furnace and ductwork serviced. A clean system will be more energy efficient, and an inspection will alert you to problems. Check and replace air filters, as necessary. Test your thermostat to make sure it works properly.

Make sure heating vents are open and nothing is blocking them.

Inside projects-

Planning to update the bathroom, or paint the living room? Fall is a good time to get moving on those projects: The temperature is usually moderate and many contractors have wrapped up their outdoor projects for the year.

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Home safety By: Nick Boulton

G

rowing up, we had a cabin that was high up in the Big Cottonwood Canyon in Salt Lake City.

My grandpa and dad built it while my dad was in his youth. We would go up often and spend weeks at a time there. Being that far up the canyon in the mountains, we were far away from everything, including safety. Multiple times the cabin had been broken into! Sometimes it was someone looking for a warm place to sleep or other times it was someone breaking in to take items.

One time, it was a group of people just doing vandalism. Out of all these times, the police caught the person only once. Luckily, this never happened while we were there! Security, that high in the mountains was important for my dad to help keep his family safe. When we called the police, it would take them at least 1 hour to get to us. And not to mention when I was younger, there was no such thing as a cell phone and the nearest thing to a land line was a drive to the closest restaurant or ski lodge. For us, the security to keep us safe was my dad’s Colt .357 revolver and a couple of deadbolt locks on the door.

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My dad was diligent at teaching me and my siblings that a gun was not a toy, but a tool and it was for times of distress, protection, hunting, and at times, for sport. He would have us go out often to shoot with him so we would learn that it wasn’t something to be trifled with or to discount how dangerous it was. He taught us “A gun is always loaded” and to treat it as such! It was a lot of fun to spend that time with him and learning respect for guns! And just like my dad, the first gun I ever bought was a Ruger .357 revolver.

Now, fast forward, and I have my own home to protect. I don’t live on the top of the mountains and there are many options for home and family protection. How do you secure your home? What lengths should you go to, to keep you and your family safe? Those are the questions you must ask yourself. I truly believe that it is a God given right to protect yourself, your family and your property from harm, danger and possible death. With options and technology at our disposal, let’s talk about the benefits and features of home security systems.

Security systems are extremely adaptable these days. There are multiple ways you could go. From a monthly services that monitor your home for you and will alert the police if the system is triggered.

And there are DIY systems that allow you to buy the equipment you want, and will send you motion alerts. Some can even be found on Amazon. This could be anything from door sensors, smoke alarms, broken glass alarms, camera and motion sensors and doorbell cameras. Just make sure that anything you buy is compatible with one another.

What it comes down to is that Home security systems vary greatly depending on what you’re wanting to get out of it. Some things that should be considered are how the monitoring is going to be done and how much you can afford.

In our home we chose to go with one that we have monthly monitoring; we pay $50 a month. We have multiple items that we chose to have installed to help with the security of our home and if it goes off, it alerts the police and me. It has gone off a few times, luckily not because of a break in, but because of our kids accidentally triggering it. The police were at our home within 15 to 20 minutes to make sure everything was okay.

Whichever option you choose, be sure to carefully select the plan that is right for your home, finances and family. Protecting yourself, your family and your property should always be something that we should consider very serious, and how you choose to do it is up to you.

DIY systems are usually more affordable, customizable and adaptable over time. Professionally installed systems are more costly, but bring more pain-free installation, better support and strong device integration.

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spiced apple cake Ingredients

2 cups flour 3/4 tsp baking soda 3/4 tsp EACH: salt, cinnamon and ground cloves 1/2 tsp ground nutmeg 1 1/4 cups white sugar 1 cup vegetable oil 2 eggs , large, at room temperature 1 1/2 tsp vanilla extract 2 cups apple , peeled, cored and cut into 8mm/ 1/3" cubes OPTIONAL 1/2 cup flaked raw almonds Icing sugar

Directions

1. Preheat oven to 350ºF or 180ºC. 2. Grease and line a 9" springform cake pan.

3. Place flour, baking soda, salt and spices in a large bowl and whisk to combine.

4. Whisk oil and sugar in a bowl, then whisk in the eggs and vanilla.

5. Pour wet ingredients into the dry and mix with a wooden spoon until JUST combined. Stir through apple (optional: add 3/4 cup chopped walnuts or other nuts).

6. Pour into cake pan. Sprinkle over almonds.

7. Bake for 50 minutes - 1 hr. Check at 50 minutes - it is cooked when a skewer inserted into the center and out clean.

8. Cool for 10 minutes before turning out onto a rack to cool. Dust with icing sugar if using, then serve.

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Food review Berries-N-Cream

Finding a tasty dessert option after a night out, while also supporting your local businesses, is something that Southern Utah residents have always been talented at. Hitting those two birds with one stone is possible when checking out Berries-n-Cream, a healthier dessert option located in the Zion outlet malls. (250 Red Cliffs Dr suite 15b, St. George, UT 84790)

Berries-n-Cream is as simple as it sounds.. Just Berries and Cream! Having a smaller menu is something that I’ve always been a fan about. It always seems as though it allows the company to focus on getting the few menu items down to perfection. There are 4 easy steps when ordering a dessert at Berries-n-Cream: Choose your size, your fresh fruit or berries, any add-Ins, and finally, a uniquely flavored cream! (They even have dairy free options!) As simple as it sounds, I am able to satisfy my sugar cravings without feeling bloated as I would if I had eaten at a more traditional dessert place. If you’re wanting something to kill your sweet tooth, give Berriesn-Cream a try!

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MANAGING

A

BUDGET DURING

YOUR RETIREMENT

Unless you have accumulated substantial wealth where money is not a concern, you face a critical task when you reach retirement to make sure that your assets will support you through your lifetime.

When you retire and no longer earn an income to pay for your bills and living expenses, developing and adhering to a financial plan, where cash flow is clearly defined, can help you balance your income and expenses.

Especially, as longevity continues to rise among certain demographics, this task is more critical than ever before.

For instance, the “average” person who retires at age 60 can expect to live 25 or more years after they retire.

There are important steps you can take to maximize your cash flow and better manage your income and expenses during retirement.

Step One: Careful Planning As you reach retirement, try to obtain a clear picture of your financial situation and projected income and expenses. Start by creating a detailed net worth statement, which provides a comprehensive overview of your assets, debt, and cash-on-hand.

Next, assemble an accurate budget that itemizes your income and expenses. If you anticipate any major lifestyle changes after retirement — for instance, you plan to sell your house and downsize to a rent controlled apartment — make these notations. Include your anticipated income during retirement, such as Social Security, pension, and other income streams.

Include all of your expenses, including recurring fees (membership, insurance, college tuition), prorating them to account for them on a monthly basis. Consult a financial professional for assistance. You want to make sure that you are accurate (and certainly not under) in your calculations.

After you develop your statement, review the figures for any potential cash flow issues. Look for areas you can improve your income/expense balance. For example, you may have fees or expenses that you can reduce or even eliminate.

Step Two: Ongoing Monitoring Creating a detailed budget is not a one-and-done proposition. Revisit your planning tool regularly and readjust the figures as your actual income and expenses change.

By monitoring your income and expenses on a regular basis, you can best address any shortcomings and proactively look to reduce expenses, to avoid any ongoing cash flow issues.

Step Three: The Fine Print As you monitor your finances, there are several items that could impact your cash flow in profound ways: 1. Interest rates: These fluctuate and could reduce the income from your savings and investments. If rates drop, you may need to find living expenses that you can decrease to offset the impact.

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2. Tax rates: Federal, state, and local tax rates change over time; so, too, do tax regulations. Make sure that you understand the impact, if any, that these changes will create on your overall cash flow. For instance, if you’re moving between states where the tax rate is substantial, consider the impact on your bottom-line and revisit your budget to make any necessary adjustments.

3. Healthcare costs: These can be unpredictable and have a major impact on your cash flow and expenses.

4. Miscellaneous life events: You may also incur life events that impact your cash flow, either on a one-time basis or even continually. For instance, if your spouse dies, your monthly living expenses will decrease; and if your child gets married, you may have a (hefty) one-time expense to pay for the wedding.

By developing and monitoring a budget before and during retirement, you minimize the possibility of cash flow issues that could otherwise constrain your lifestyle expectations.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Goldenwest Credit Union (GWCU) and MEMBERS Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MEMBERS Financial Services, and may also be employees of Goldenwest Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Goldenwest Credit Union or MEMBERS Financial Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency

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Manager Q&A We’re here with Joseph Brimer CMCA, AMS, a community manager for SunWest Management to discuss what a community manager does.

What does a Community Manager do?

Who is SunWest?

SunWest is one of only three accredited association management companies in all of Utah. We pride ourselves on fostering a culture of community that is immediately welcoming to residents.

SunWest has been instrumental in defining the award winning SunRiver brand and lifestyle. I may be biased but, we simply have the best team in the world. With a uniform vision and philosophy built around the success of our customers, the SunWest team is unstoppable.

What is your role with SunWest?

My primary role with SunWest is being a Community Manager for associations that we manage. I also serve an administrative role for the complimentary services that we offer.

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In a general sense, a community manager could be compared to a COO of a large corporation. Any other manager or I are tasked with carrying out the decisions made by the Board of Trustees for the community. Managers enforce policies outlined in the Governing Documents, manage vendors and their contracts, direct management staff, communicate with residents, oversee financial health of the association, among the myriad of other duties.

Probably one of the most important things a manager can do is take part in staying up to date with industry trends as well as local and state laws for how associations are managed. Constant changes to the industry mean that managers have to constantly stay connected to the industry in order to appropriately advise their Boards.

How does a manager interact with a Board of Trustees?

Well, since the manager acts as the COO, the question becomes “Who is the COO”? The Board of Trustees are the ones who set the vision and culture for any community. Said differently, a Community Manager and Board of Trustees work in a collaborative effort to advocate for the community as a whole.

So, direction flows down from the Board to Management, and Management reports to the Board on action it has taken. Managers also act as an advisor to the Board.

Whether it’s offering operational input or answering questions about what specific policies say, managers act as a sounding board offering appropriate advice. You have to remember those who are on the Board of Trustees don’t do this full time. That’s really the purpose behind hiring a management company to be your eyes, ears and hands to do the work.

What’s the hardest part about your job?

I would say the hardest part would be managing expectations for those in the community. There are a lot of moving parts to community management and quite frankly, most are out of our control. I think I speak for most managers when I say, I would love for nothing more than to have a crystal ball!

Managers and Boards alike, constantly have to play this seesaw game to balance what different residents want vs others and the consequences of

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choosing either option. It doesn’t help that laws constantly change, that keeps you on your toes at all times.

Look at the last couple of years with sky high prices, labor shortages and product shortages; managers have pulled their hair out dealing with vendors and suppliers to maintain quality service levels.

And the best?

Oh, that’s easy. It’s the people. Again, I’m biased but SunWest has the best team ever and I feel privileged to be a part of it. In that same vein, I have met some of the kindest, most genuine and wisest people living in the communities that we serve. I have made great friends and mentors here as well.

Sometimes as a manager it’s hard to remember this but by far, the kind individuals outweigh those who are not as kind. To be honest, another part that’s amazing is looking up at a community that you’ve been with since the beginning and thinking “wow, I personally have been a part of this machine that serves and enhances the lives of so many people.”

That’s really humbling.

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SUNWEST MANAGEMENT? WHO ARE WE & WHAT MAKES US SPECIAL? SunWest Management specializes in helping you develop a strong sense of community and promote harmony in your community. Prudent financial management, the best governance practices and maintenance strategies, yeah, we’re good at that too! We work with you to keep your property values high and your community thriving.

Our digital magazine is another way we share our passion and commitment to serve community associations everywhere. Read on for best practices, tips and offers to enhance your home and community.

Contact us and discover how your community can start living the SunWest life! We can’t wait to hear from you!

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