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Show Citizen Press, Review - Wed., June 16, Page 18 1993 Key people valuable asset : Editor's note: This is the third of a three-par-t series about business planning. What about Key People in the i f , 4 ' " . ; " linn v y ? " x'ly 7 j'T-'- ft1. ' . - m mum' business? Could you successfully run your business without a particular em ployee whose skill or technical talent the business depends upon? ' S3 , minding your i , ' ' '' ' I ' . ' I j 'j HOUSF" By TOM FOREST Li vTS John Hancock Financial Service A ' k .fefiimrfiiii r iiiiii n ihim n BTrhartite n Charles LeBaron, left, general contractor, and Dale Gunther, president of the Bank of American Fork, review plans for new drive-u- p facility. Bank celebrates new drive-uOn Friday and Saturday, June 18 and 19, there will be a Grand Opening celebration at the new drive-u- p facility at the corner of Main Street and Center, American and Charles LeBaron and Associates constructed the building. Orville Gunther, Chairman of the Board of The Bank of American Fork talked about his feelings on the direction the bank went with the new building: "As recently as my early youth, Western towns such as Lehi and American Fork had a general store which sold a wide variety of merchandise. A trip to this store became a one stop shopping center. You could buy anything in Chipmans from a harness for a horse to a piece of jewelry for your wife. "Later, after World War II, one could buy a farm tractor and imple-ment- s as well as groceries at Chipmans. I remember that it was common for a parent to take his son to Chipmans to get him outfitted when he was called on a mission. He was usually given a discount on a suit of clothes and a suitcase and if he were going overseas, he would also require a trunk," he said. "Chipmans lasted well into the present generation. It finally gave way to the effects of automobile use and the need for a greater variety of Fork. will highlight drawings for the event. The buildinghas been completed since spring and customers seem to enjoy the convenience of the new facility. The drive-u- features seven lanes and is one of the largest in the state. While they are seated in their cars, people can still see the teller who is is open helping them. The drive-ufrom 8 a.m. to 6 p.m. on week days and from 8 a.m. until 1 p.m. on Saturdays. Dale Gunther, President of the Bank of American Fork said, "I am pleased with the way the building turned out. We wanted to capture some of the essence of the old Chipman Building since it was such a core part of the town. It had been here since before the turn of the century, and even though we did not need the amount of space that p p we have in our new facility, we wanted to build something more merchandise thatour rich and prosperous system has made possible. "Eventually thebuildingfell into complete disuse. It was vandalized substantial." John Vincent and Associ ates did the architecture for the building p and deteriorated rapidly over a period of some 12 years before the Bank of American Fork acquired it. It had become a physical hazard and was in threat of condemnation and complete destruction. "At that point the Bank of American Fork negotiated with creditors and were able to come to a satisfactory arrangement. Serious study was given to the possibility of preserving the original building, but it was not found to be feasible. "Initially it was planned to construct a very small buildingtohouse the operators for the drive-i- facility, but after consultation with preservationists and architects, and studying the town situation in general; the board of the Bank decided to construct a more substantial building that would somewhat simulate the old Chipman building, or at least restore the classical architecture of the period, and at the same time enh ance Main Street with a degree of beauty and cultural enhancement. "As an institution we feel a responsibility to the citizens of American Fork and the surrounding communities. We take a certain pride in the fact that an institution such as ours can give superior person to person service and also contribute to the community as a whole," n IHC president Bank of American Fork elected to internat'l post receives 17th five-sta- r Scott S. Parker, president of Intermountain Health Care, was of the Inter voted president-elec- t Bank of American Fork has r ceived a rating for the 17th consecutive quarter from Bauer Financial Reports, a bank research and rating firm in Coral Gables, Fla. The rating, which is the highest given by the firm, indicates that Bank of American Fork's tangible capital exceeds nine percent of tangible assets, the capital ratio exceeds 10 percent, and that delinquencies and repossessed assets are manageable. Bauer's rating also shows that the institution is soundly invested and that it earned a profit for the quarter ending Dec. 31, 1992. The tangible capital level required for re- five-sta- national Hospital Federation (IHF) at the group's world congress in Spain. The -based IHF represents hospitals, hospital London- associations and govern J C s risk-base- (V--'- " - - ment health ministries of more than 90 nations and provides its members an opportunity to exchange experiences, education and information relevant to the provision of d rating that ratingis twice that required by federal regulators. "Bank ofAmerican Forkhas displayed uninterrupted excellence in banking. It is a well capitalized bank that comes highly recommended," said Paul A. Bauer, president of the research firm . "The community shouldbe particularly proud of its continued ability to merit our highest rating." 768-409- secondary. In the context of personal financial gain and benefit, what are you doing for yourself? How you place your money for growth of assets is critical. There are areas of the tax code that do allow you to invest in securities on a tax deferred basis. . Now read this next statement closely. There are means by which you dollars, may also invest pre-tawhere taxation of growth can be v excluded, provided that it is propdone. 3i erly Go ahead, read it again! c That section of the tax code exists but is known to few. If you are an attorney or tax accountant and wish clarification, feel free to call me and I will provide you the tax code sections and means by which you may advise your own clients. Clearly, if you have an interest in a business, you have reason to double-checwhat you've done to N date. The reason attorneys, accountants, insurance agents and finan- - cial professionals exist, is tohelp us through the maze of regulations, x rences. Marilyn, message if necessary). 226-72- Derrel't BECOME A PARALEGAL. Join America's fastest growing profession. Lawyer instructed home study. The finest paralegal SH ; Mobile Auto nnjf . mWUlf' "Let Me Come Georgia. FREE CATALOGUE. (UCAN) Year Experience or 376-082- 1 785-786- 1 BE A N 600 W Pleasant Crove 1080 'JeJPPS'SmOr' rental for parties. Lehi Drug. 8:30 -- 11:30 121" I I Your choice of 4 5.5 HP engines. Six speeds; easy-startin- 1 Sfr Anything Less Just Won't shifting. system for superior ac bagging. Recycling mulcher attachments available. Cupp Free blood glucose screenings Free mini-EKFree foot screenings by Dr. Mark Rogers, D.P.M. Free osteoporosis information and advice by Dr. Michael Callahan Free skin cancer screenings by Dr. Steven Babb Free peripheral artery testing (a screening for circulatory problems) by Dr. Robert Day's staff Free blood pressure readings provided by A.F. Ambulance Association ' Free Medicare and Medicaid counseling Free Life Line information ' Free nutrition counseling Drawing for a free mammogram ' Free sunscreen samples Free hearing screenings Lipid profiles, $12; cholesterol tests, $3 (no food or drink 12 hours prior to blood tests) Lunch will be served at noon and is available for tl.SO. Reservations for lunch must be made by Thurs., June 24. 0. Call 763-309- For more information, call 763-327- 9. American Fork Hospital AND LESSONS. And KNITTING after 5 p.m. 785-495- 4 WONDERS PRESCHOOL A total program for kindergarten readiness. Shirleen SMALL Law, Master's degree in education. Gifted and talented educat- Now accepting enrollment for fall. Separate classes for and 4 and Call Kymm Hansen at 768-867SCHOOL. help with 226-181- 0. ABBS CLOWN LOVES CHILher come to your Do Not DREN. Let is Help party. Games, magic, lots of fun! ANN'S CERAMICS. Great holiday and gift ideas. Greenware, bisque, firing, supplies. Fear! CALTONTREE SERVICE. Professional tree care at a reason- Here! Alpine large Concrete pre- Landscape Borders. Julene 756-- in- 125. 1 years and older. Country Club area. 756-306l- icense, all meals included. Daily activities with fenced yard. References available. Call Marian, BABYSITTING DAYCARE. de- REPAIRS and general assistance. Reasonable 5, 756-021- CONCRETE WORK. New or 768-984- CARE SEWING BECK LAWN CARE. Mow, edge, trim, clean up. One free lawn LESSONS mowing with free estimate. Re- YOU CAN SEWI Experienced teacher. Start kids age 6, teens, 1 plant, weed, and rototill. Call for estimate 768-431- 5 756-248- 0. Call TANNING 7S LESSONS ff I I Gotta WorklJ $Lf Have no RegreUVjlj 785-954- DIET AND PIANO LESSONS. Fun and ef- WEIGHT LOSS Lose 3-- 5 fective. Taught in Portland, Oregon 20 years. 756-086- lbsweek, eating regular food plus snacks. Little or no cost. PAINTING INTERIOR 785-416- AND EXTERIOR PAINTING. All work guaranteed. Very reasonable. Free estimates. HANDYMAN 756-783- TYPING TYPING PROFESSIONAL SERVICE. Genealogy sheets, family histories, schoolbusiness papers, resumes, Jaydene, etc Call WALLPAPER HANDYMAN SERPAINTING, OUTSIDE 768-253- RIOR, Professional. HOUSE & INTE- Free esti- mates. Guaranteed work. Call CLEANING OFFICE AND HOUSE CLEAN- right Call Terrie or WE PAINT HOUSES, INSIDE AND OUT. Reasonable rates. WE CLEAN HOUSES, post con- struction, ceilings, walls, windows, floors, woodwork, etc. Also commercial cleaning. 20 years' . experience. Call Dale at 785-3210. PAPER HANGING blind cleaning a safe alternative to ultrasound. OFF IlighCountryGlass Lehi 768-414- 6 WASHING SQUEEGEE-YOUR-WIN-DOW- WALLPAPER HANGING. Residential and commercial. Lora, For professional and inservice, call Brian, expensive 768-388- message. PIANO TUNING scrub 20 WINDOW Dale, 756-821- Wallpaper everyday 756-105- Tracy; 763-054- 1 VOCALLESSONS.experienced teacher, includes performance and stage techniques. Becky, entrances, repairs.etc. ING done Beginner-advance- Diane, GRAYS YARD CARE curb VICE. adults. LAWNYARD CARE. Reasonable rates. Call Kent for estimate. MUSIC BROWN'S SEWING-TAILOR- ING. Bridal and children's wear. Jaydene, replacement Drives, sidewalks, extra drives, basketball pads, Ray SEWING, ALTERATIONS Alterations, men's'women's. 2 LAWN l spruce up your yard and maintain it. Mow, edge, trim, CONCRETE DIET. 768-888- 0 Let us do the work while you enjoy the beauty. We can anytime. MONEY-MAKIN- 219 E. State Lehi JNJ Small Engine CUSTOM Designer Curbs sponsible and reliable. or COMPUTER Tillers y FREE ESTIMATE: EVENINGS in my Pleasant a.m. Grove home, 7 p.m.-$1.50hour. Call 785-496LOVING Spring Tuneups, Lawnmowers, CALL TODAY FOR A AND NIGHTS REPAIR and trimming. It Circles, It Curves. installation without disturbing existing landscaping. Mower strip or standard curb shape available. Less Expensive than other bordering methods. One-da- DAYCARE in LDS home. Two QUALITY DAY CARE, state SMALL ENGINE Easy Maintenance Save hours of edging, weeding, HOME. Any age. Meals cluded. Call Residential and commercial. 40 years' experience. Work guaranteed. 768-071- Up Your Yard With-- - Easy freeway access. 6a.m.-6p.- " ALL TYPES OF REPAIRS AND DresS Call Bonnie Rigtrup, IN MY ROOFING 372-070- LICENSED CHILD CARE in my AF home. Age 2yrs. BABYSITTING able price. Topping, thinning, pruning, hedging and removal. Honest, personalized service. Call Steven, 768-939- WASHBURN ROOFING. Shingles and shakes. Licensed 6 and insured. Call or 756-539- 3 QUALITY, school. SERVICE WORKMANSHIP, 226-629great prices. Call CHILD CARE and older. Mealssnacks, fenced yard and year-roun- d E EXPERT Landscape Designl Finish Grading Sprinkler Systems Instant Lawns Quality Top SolL CERAMICS DIRTY BLINDS? Gentle ihc CROCHET CLOWN g on-the-- go Hi-V- I Main, A.F. Public Welcome required. FREE brochure. LANDSCAPING LULU A.M. 54 E. self-propell- for BIRTHDAY 25 American Fork Senior Center more. Call PRUNING-TRE- reasonable, and pendable. Call Diane,785-7320- . Friday, June NowaccepSng enrollment for fall. Come see how learning is made fun with music, creative arts, phonics, fields trips and much CANDY CANE LANE PRE- No experience projects. Julia, Flexible, tB' WnwP 785-663- ules. (UCAN) We deliver, too. Helium tank rates. Larry McCollum.Lehi. 'MHW Connie, ion specialist BOU- QUETS for any occasion, birthI days, anniversaries, love y ou's. SERVICES iwmiani demic and kindergarten readiness skills. Certified teacher, morning and afternoon sessions. For more information, call training at local radio stations. Train around work sched- Call now BALLOON HELIUM On ANNOUNCER. RADIO the job BALLOONS COMPUTER 'i LG793 Dept Certified ASE CurExcel) Preschool, ages riculum consists of music, aca- P.C.D.L.Atlanta, Oa Site Repairs Call Before Yoalow 18 FOR FALL REGISTERING SMART START PRESCHOOL Derrel'a Mobile Auto GREAT, Join American Fork Hospital and American Fork Senior Center in the quest to stay healthy. G AUTO REPAIR tt? services (leave 8 k requirements, laws, codes and other impediments our lawmakers place before us to protect everyone else's interest in our business. With refe- years' experience. INSTRUCTI0N-TRAININ- -- jor- tmtt.. Mrawe Fast and efficient Reasonable rates. 13 PROFESSIONALLY. Russell Bookkeeping Call for Appointment Looktoprovidingthis individual or individuals with appropriate reaA good son to stay on long-terbenefits package or possible stock option or minority ownership in the company is a terrific incentive to not only keeping these people, but encouragingthe continual improvement of the business on an ongoing basis to their own benefit. Obviously, you, the owner, will benefit from this as well. Again, a disability program here is a smart move also. If the Key Person became disabled temporarily or permanently, they will want to know their financial needs can be met. Money to replace that person can also be provided in a disability program as a stopgap measure. This will help the company out until a new hire with the proper abilities can refill the shoes of your disabled employee. It can be done on a temporary or permanent basis. Finally, how do you spend the company profits for thefuture? Continued capitalization and growth here isn't what I'm talking about. The structure of a business organization exists for only one purpose - to provide a profit for the stockholders. Period! Anything else is DONE HOUSECLEANING Accounting Needs 1993 PRESCHOOL CLEANING Call Us! For All Your I'1 Estate Planner t- - ACCOUNTING i& YJoney Copyright SERVICE DIRECTORY 4 PIANO TUNING. sional. Call Stan, Fast, profes758-750- DIRTY WINDOWS? Honest quality for 21 years. Benner Brothers Glass Cleaning. |