Mr. Keffer says that while he generally doesn't like actively managed funds, the Vanguard fund's balanced mix of assets and low expense ratio make it attractive.

WSJ: Investing Advice for New Grads

But, as that ratio implies, experience also argues that higher taxes should be part of the mix.

ECONOMIST: Taxation and class war

While Salt Lake's pickins' used to be rather slim (there is a high ratio of Red Lobsters to residents), the restaurant scene now offers a mix of fine American, Asian and Italian dining.

FORBES: Where To Eat