everyday needs summer 2007

Voted Best Massage in 2007 by the Vail Daily Readers Poll, Simply Massage is a comfortable and relaxing massage studio that provides exceptional therapeutic massage custom tailore to your needs by some of the best therapists in the Vail Valley. By dispensing with the spa “extras” such as saunas and marble showers, they are able to provide the same wonderfully relaxing and healing experience at a much nicer price.

www.simplymassage.com
25 Hurd Lane, Avon
see ad p46 . . . . . . . . . . .(970) 748-1600
see our coupon

Relax, we’ll drive! RJ Limo is more than airport transportation. Our experienced, local drivers are available for all your transportation needs. Child and pet friendly stretch limos, suburban’s and vans are available, with complimentary snacks, refreshments, and DVD movies. Let us take the worry out of driving to the Broncos, Rockies, Nuggets, and Avalanche games. Make that Anniversary, birthday party or any other special event, a memorable experience.

www.limovail.com
Avon

Toll Free . . . . . (970) 926-0111
Others . . . . . (800) 887-9643

Marketplace on Meadow Drive is the new “hotspot” in Vail Village and features a Bistro, Café, Market, Crêperie, Tavern, and Wine Shop. This family-friendly Marketplace offers everything from dry goods to vintage wines, tempting gelato to truly gourmet take-out meals. Located on the ground floor of One Willow Bridge Road. Open daily.

www.marketplaceonmeadowdrive.com
One Willow Bridge Rd., Vail Village

Toll Free . . . . . (970) 477-4370

The Banking philosophy of providing customers with full service banking, combined with a high level of personal service and local decision-making. This will carry the investments American National Bank is making in western Colorado through the future. Three locations in Eagle County, plus sixteen in western Colorado, nine in metro Denver, and six locations in Wyoming.

www.anbbank.com
71 Beaver Creek Place, Avon

Toll Free . . . . .(970) 949-9084

0105 Edwards Village Blvd, Edwards

Toll Free . . . . . (970) 926-6491

0050 Chambers Ave, Eagle
Toll Free . . . . . (970) 328-7333

Deep Swedish massage integrated with Hot Stones. Available on an outcall basis for individual sessions and children or family Spa Gatherings. The Gatherings provide an event of fun and relaxation for the family, or for pre-teens and teens to enjoy facials, manicures, pedicures and stone massage.

www.wheretheheartis.info
Eagle County

Toll Free . . . . . (970) 390-3460

Airport Garages are private, heated garage condos located directly across from the Eagle Airport in the Vail Valley. As the concept takes flight, Airport Garages has expanded to locations near the Airports in Montrose/ Telluride, Hayden/ Steamboat, and Salt Lake City. Amenities include Owner’s Clubhouse, airport shuttle, and on-site management.

www.airportgarages.com
55 Spring Creek Rd, Gypsum,
directly across from the Eagle County
Regional Airport

Toll Free . . . . . (970) 879-4440

Promoting energy efficiency and responsible building in our community. Our certified professionals will analyze your home and provide you with detailed feedback to lower your utility bills and lessen your impact on the environment. We also offer solar design/installation services and energy consulting for design professionals and homeowners. Call about green building certifications.

www.activeenergies.com
Avon

Toll Free . . . . . (970) 227-0272

The Avon Business Association’s mission statement pledges to serve as an independent and unified voice in protecting the interests of the Avon Business Community.We will endeavor to provide a line of communication and accountability between the town and community. Our goal is to preserve and enhance the economic vitality of the Avon Business Community.

www.avonbusinesses.com.
Avon

Toll Free . . . . . (970) 688-0998

Calvary Chapel is a non-denominational church dedicated to sharing Jesus Christ. CCVV heads up four major community outreaches. Christmas Eve, Easter, 4th of July at Nottingham Park and the Fall Fun Night on October 31st, all of these events provide a safe, fun place for families.

www.ccvv.org
77 Metcalf Road, Avon

Toll Free . . . . . (970) 748-1103

Serving business and business owners with a sophisticated menu of banking products and financial services. Investment banking, treasury management, lines of credit, employment and executive benefit consulting, brokerage and investment services, and property and casualty insurance.

www.cobizbank.com
0056 Edwards Village Blvd., Suite 130,
Edwards

Toll Free . . . . . (970) 926-6801

Colorado Mountain Cleaners; your greener drycleaner, is an environmentally safe drycleaner and personal laundry service.We exclusively use the Green Earth cleaning process. Our primary market focus is Eagle and Summit counties, with locations in Vail, Frisco, Breckenridge, and Silverthorne. Colorado Mountain Cleaners is proud to be the only EPA awarded drycleaner in Colorado. Customer service, quality production, and competitive pricing is our focus.

146 East Meadow Drive,
Vail Crossroads Marketplace Vail

Toll Free . . . . . (970) 476-1009
268 Summit Place Shopping Center, Silverthorne

Toll Free . . . . . (970) 262-1182

CME provides ground transfers to/from DIA, Eagle Airport, and the resorts of Vail, Beaver Creek, Breckenridge, Copper Mountain, Keystone, Aspen, Snowmass and surrounding area’s. Shuttle services offered are door-to-door and point-to-point. CME Premier provides private car service.

www.ridecme.com
434 Edwards Access Rd.,
Edwards

Toll Free . . . . . (970) 926-9800

Others . . . . . (800) 525-6363

Choose Comcast Cable TV and enjoy hundreds of channels with 100% Digital quality picture and a convenient interactive on-screen guide, plus commercial-free music. And, with Comcast High-Speed Internet you’ll zip around the web, download music, photos and videos faster than DSL or dial-up. McAfee virus protection, firewall, and parental controls included.

www.comcast.com
Eagle and Summit County

Toll Free . . . . . (800) COMCAST

See our coupons

Crossroads Market is a new market located in Crossroads Center in the heart of Vail Village featuring groceries, a deli, coffee bar, bakery and ice cream. The market also offers an array of fresh take-away prepared foods. Café seating is available. Open daily.

Visit www.crossroadsmarketvail.com
Vail Village

Toll Free . . . . . (970) 476-8222

Local programming and local people combined with great music. Our programming allows listeners a variety of music to choose from.The core of KZYR is our adult alternative focus featuring artists such as U2, Dave Matthews Band, Jack Johnson and Sting.We bring the best of the old and new together in one format.

Streaming on line at www.kzyr.com, the zephyr is available anywhere in the world!

www.kzyr.com
Eagle County

Toll Free . . . . . (970) 926-ROCK

Since 1984, Mothers and Others has provided the Vail Valley with custom baby equipment rentals.Why pack a stroller, crib or toys, instead of your skis, snowboard and snowshoes? Just ask and we can assist you and the kids make the MOST of your visit to our valley. Remember, when the kids are happy, everyone is happy.

www.vailbabyequipment.com
PO Box 938, Avon

Toll Free . . . . . (970) 949-1381

Service with a Smile! Mount-N-Frame is located on the Frontage Rd. just west of Lionshead. Since 1975, Mount-N-Frame has been the leader in custom framing in the Vail Valley.We have frames, mats, and the expertise to make your art look its best, regardless of your price range. We offer a full line of Vail Posters. Reserved customer parking in front.

www.mountnframe.com
Vail Professional Building,
953 S. Frontage Rd W#110, Vail

Toll Free . . . . . (970) 476-4172

We come to you! Mountain Mobile Auto Detail offers bumper to bumper detailing.We have been in Eagle County for over 5 year because we use the best products available and offer the best pricing around. From a wash and wax to full detailing, our professional staff will treat your vehicle as if it were their own!
Hablamos Espanol!

vail2000g@aol.com
Eagle County

Toll Free . . . . . (970) 343-0738

Full service cleaners, Dry Cleaning, Shoe Repair, Tailoring and Alterations. Same day service and valet service available, pick up and delivery.

Vail . . . . . . . . . . . . . . . . .(970) 476-1616
Avon . . . . . . . . . . . . . . . .(970) 748-1616
Edwards . . . . . . . . . . . . .(970) 926-1616
Eagle . . . . . . . . . . . . . . . .(970) 328-3306
Frisco . . . . . . . . . . . . . . . .(970) 668-9966
Dillon . . . . . . . . . . . . . . .(970) 468-1122

With 24 years of experience styling hair and trained at the world renowned “Horst Education Center” in Minneapolis, Terry returned to her home in Milwaukee to master her skills at the prestigious “Erik of Norway.” Her love for skiing brought her to Vail in 1989. My specialties include haircuts, coloring, perms and facial waxing. Located in the Cowboys and Angels salon in Eagle-Vail.

Hwy 6, Eagle Vail

Toll Free . . . . . (970) 845-7077

TV 8 and TV 17 are the integral components of the largest resort television station in the country and the #1 source of Vail/Eagle Valley information. Tune in to ‘Good Morning Vail’-(live daily at 7am) for weather updates, dining & entertainment and real estate news from the locals who know. Start Your Day, Plan Your Play every morning with ‘Good Morning Vail’s’ Family Calendar of Events, brought to you by The Parents Handbook.

www.TV8Vail.com
1060 W. Beaver Creek Blvd., Avon

Toll Free . . . . . (970) 479-0800

A service company specializing in the electrical components of private homes and condominiums in the Vail Valley. All aspects of home care are available. Home inspection resolution is a large part of our business.

2540 Old Trail Rd., Avon
www.vghomeservices.com

Toll Free . . . . . (970) 470-2174

Funding College Education with 529 Plans Paying for college has never been easy. And in the future, four years at a private college could cost more than you paid for your house. Next to retirement, this may be the biggest expense you and your family are likely to face.

First authorized by Congress in 1996, qualified state tuition programs, or 529 college savings plans, offer substantial benefits for investors. Named for their section in the Internal Revenue Code, 529 plans allow states to offer investors professionally managed, taxadvantaged portfolios to help meet rising college expenses. The benefits for investors include market-based returns from a portfolio of mutual funds and complete control over withdrawals for the life of the account. Proceeds may be used at any accredited post-secondary school in the United States.

Key Features

• Investment earnings accumulate tax-deferred until withdrawn.
• Residents of any state may set up a 529 plan and use the proceeds for tuition, room and board, and textbooks at any two- or four-year postsecondary school in the United States that offers undergraduate or graduate degrees.
• The owner retains control over the withdrawals.
• Contributions are invested in professionally-managed portfolios.
• The account’s value is not part of the owner’s estate—and this may save a substantial amount of money for your heirs.

Contributions

• Anyone may contribute on behalf of a single beneficiary, including parents, grandparents, other relatives, and family friends, regardless of income or state residency.
• Maximum contributions vary from state to state, but typically exceed $100,000.
• Contributions may total $10,000 a year per beneficiary ($20,000 for married couples filing jointly) without triggering federal gift taxes.
• A contribution of $55,000 ($110,000 for couples filing jointly) may be made to a single account and prorated for a fiveyear period without triggering federal gift taxes, as long as no other gifts are made to that beneficiary.

Withdrawals
• Any withdrawals used for qualified education expenses are free of federal tax under current law.1
• If the beneficiary wins a scholarship, the owner will be refunded the scholarship amount without penalty.

What if your child doesn’t go to college?
Since you, the owner, retain control over withdrawals, you have the following choices if the beneficiary decides not to attend college:

• Change beneficiaries (any new beneficiary must be related to the original beneficiary) 2
• Leave the assets in the plan for later use
• Withdraw the assets 3

College savings plans offered by each state differ significantly in features and benefits. The optimal plan for each investor depends on his or her individual objectives and circumstances. In comparing plans, each investor should consider each plan’s investment choices, fees and state tax implications. For more information on how a 529 plan can help you fund your children’s or grandchildren’s education, contact your financial advisor.

1. Under a “sunset provision,” the federal tax exemption for earnings on qualified withdrawals is scheduled to expire at the end of the year 2010, unless extended by Congress. As with all tax-related expenses, consult with your tax advisor.
2. The election of certain beneficiaries may be a taxable event.
3. The earnings portion of any nonqualified withdrawal is generally taxed at the owner’s tax rate and is subject to a 10% penalty.

The accuracy and completeness of this article are not guaranteed. The opinions expressed are those of Fraser M Horn and are not necessarily those of Berthel Fisher or its affiliates. The material is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Provided by courtesy of Fraser M Horn Investment Advisor with Berthel Fisher in Edwards, CO. Registered Representative of and securities offered through Berthel Fisher & Co Financial Services, Inc. (BFCSC), Member NASD/SIPC, 1st & Main Investment Advisors is independent of BFCSF.