This is a ruby question.
Would be easy for you if you can try it at Ruby forum or SOF.
Good point. I did eventually get it figured out. For those that are looking for something similar this is how I got it done:
current_date = Date.today
offset = Settings.GetUTCOffset
utc_today = Time.utc(current_date.year,current_date.month,current_date.day,offset.to_i.abs,0,0)
As with everything else I'm sure there are millions (well .. maybe not millions!) of other ways to get the same results. This worked for me.