News HABITAT “TO SHOW LOVE” TO ITS COMMUNITY SUPPORTERS & VOLUNTEERS Habitat for Humanity of Utah County will be holding its seventh annual volunteer and community recognition event on Thursday, February 7, 2013, at 6:30 p.m. at the White Willow Reception Cen- Feburary ter in Provo. The Valentine’s themed event, sponsored by Central Bank, will include delicious sweets and savories. Business partners, supporters, and community volunteers will be honored for 2013 their outstanding service efforts with the local Habitat affiliate the past two years. HABITAT TO SPONSOR SECOND ANNUAL WOMEN’S RESOURCES AND JOB EXPO Habitat for Humanity of Utah County is working with various community agencies and Utah Valley University (UVU) to hold the second Annual Women’s Resources and Job Expo on Tuesday, Feb- ruary 5, 2013, from 5:30 to 8:00 p.m. at the UVU Sorenson Student Center Ballroom. The Expo was started to help local single mothers and others to gain access to employer and resource infor- mation. There will be a wide range of local employers and community organizations on hand to pro- vide information and take applications. There will also be workshops, sponsored by Wells Fargo, on HABBITAT FOR HUMANITY OF UTAH COUNTY Money Management, etc. All interested community members are invited to attend. Refreshments will be served. Further information can be found at http://www.uvu.edu/turningpoint/pdf/jobexpo.pdf.HABBITAT FOR HUMANITY OF UTAH COUNTY Hammer Time What’s Up • The Habitat ReStore in Orem just recently received a donation of high end office furniture including lateral filing cabinets, credenzas, metal cabinets with shelves, wire trash cans, small tables, TV and monitor brackets and more! Check the new items out at 340 South Orem Blvd., Orem today from 10-6! • Love is in the Air! Habitat for Humanity of Utah County will be having a Valentine’s Party on Monday, February 11, 2013, at 7:00 p.m. at the Provo Seventh Day Adventist Church. Habitat homeowners and partner families will be decorating cookies and making crafts at the party. • Pick your Passion! Habitat for Humanity of Utah County is joining forcing with other local non-profits to promote a one-day giving and awareness campaign called Love Give Utah (County) in late March. The campaign is part of a statewide initiative sponsored by the Com- munity Foundation. Watch out for further details and plan to give a couple bucks or more to Habitat on March 22nd! • There are many benefits to donating a car: protecting natural resources by recycling end-of- life cars into new steel, saving gas by getting old gas-guzzlers off the roads and helping build more homes locally with the funds raised from your vehicle donation! Find out more at www.habitatuc.org/habitat_car_donations.html. • Are you having a Big Super Bowl Party? Donate all your aluminum cans to Habitat and help us “make a first down” for families in need in our community! Details and drop off locations at www.habitatuc.org/donate/gogreen.html. • A small way to make a big difference! Join Habitats FAM Club and help us serve more fami- lies in our community! Only $5.00 per month. Join today at www.habitatuc.org/FAM_Club.html. • Check out Habitat’s VP Deals Site! Habitat for Humanity has partnered with VP Deals to get all the latest bargains on local products/venues. Check out this week’s specials at www.habitatucdeals.info. A portion of your “deal” purchases will help Habitat further its hous- ing mission in the community. • Have you tested your home for radon yet? – Habitat is working with the Utah Cancer Action Network, Utah County Health Department, and the Utah Department of Environmental Quality to encourage community members to test their homes for radon. We offer radon test kits at the ReStore or online for just $6.00! Learn more at www.habitatuc.org/radon_awareness.html. • Need Tools for all those Winter Projects? Stop by Habitat for Humanity of Utah County’s tool lending library and “check out” needed tools and lawn care items for free. The lending li- brary, located inside the Habitat ReStore at 340 South Orem Blvd., Orem, is open Monday 1 through Saturday from 10-6. An application and proof of residency are required. Look online at www.habitatuc.org for more information.
2 • Save Money for Home Repairs and Maintenance – A new home maintenance fund has been established to help Habitat homeowners save for future home repairs and maintenance. Homeowners now can pay a little extra ($10.00 or more) with their monthly mortgage payment. The extra amount will be saved in an escrow like account and can be accessed for home repairs and maintenance. To sign up or for more information, contact Kena at (801) 344-8527 or firstname.lastname@example.org. Photo Gallery A "DAY ON" IN THE COLD! Students from Brigham Young University and Utah Valley University spent their "day off" and braved very cold temperatures to honor the life and work of Dr. Martin Luther King on Martin Luther King Day by volun- teering their time at the South Franklin Community Center in Provo. The student volunteers worked with Habitat for Hu- manity of Utah County staff to wrap the exterior of the build- ing and get it ready for siding. Out of the Fog and Into the Halls! Utah Valley University (UVU) teamed up with Habitat for Hu- manity of Utah County to sponsor the Sixth An- nual “No Snow” Indoor 5K last Saturday, January 26th. Over 130 community members (adults and kids alike) ran or walked the 3.1 miles indoors through UVU’s interconnected hallways. Some runners even hit the stairs for a great workout. Following the 5K, participants enjoyed a pancake and oatmeal breakfast and door prizes. Proceeds will benefit the UVU/Habitat for Humanity home currently being built in Provo with the Artanduaga family.2
3 3 Feburuary Build Days Volunteers are currently being sought to help with construction, renovation, revitalization, and landscaping pro- jects. Build days are held Tuesdays, Wednesdays, Thursdays and Saturdays. Volunteers are needed espe- cially during weekdays at the South Franklin Community Center and the Artanduaga home in Provo. Sign up online at www.habitatuc.org/volunteer. FEBURUARY VOLUNTEER OPPORTUNITIES • Work in the ReStore Monday through Man Booths – Saturday from 10-6 • Women’s Resources and Job Expo February 5th • Assist with Habitat Recycling efforts. • Utah Valley Convention Center Home Expo February 8th and 9th VOLUNTEERS SOUGHT TO SERVE ON COMMITTEES • Utah Valley Home and Garden Show February 22nd and 23rd Volunteers are needed to serve on all of Habitat’s local committees. Monthly meet- CREW LEADERS AND SITE HOSTS NEEDED TO HELP ings, limited time commitment, no experi- GUIDE CONSTRUCTION ence necessary, varying interests and skills. Volunteers with construction experience or those wanting to im- Look online at prove their construction skills are being sought to participate in www.habitatuc.org/volunteer/committees.ht the affiliates Crew Leader and Site Host Programs. Orientations ml for more information and meeting times. are monthly. The next orientation will be on February 9, 2012 at 9:30 a.m. at the Habitat office in Orem. For information, contact For more information, look online at LeAnn at the number or email below. www.habitatuc.org or contact LeAnn at (801) 368-2250 or email@example.com. You can also sign up online at www.habitat.org/volunteer. Home Maintenance Classes • Check out Habitat & Community Action’s Free Home Maintenance Course. The next class will be Wednes- day, February 27, 2012. The topic is: Basic Plumbing Repairs. Classes begin at 6:30 p.m. and are held at the Habitat office at 340 South Orem Blvd., Orem. • At HOME DEPOT – Registration is necessary. Call store or register online. Look online for the February clinic schedule at www.homedepot.com. • At LOWES - you must sign up for How-To Clinics by calling 229-1485 or stopping by their store at 140 West University Parkway in Orem. Look online for February clinic schedule at www.lowes.com. Home Maintenance Tips (themoneypit.com) Snow Removal Tips and Tools Before the next snow hits, it is a good time to get out your snow removal tools to be sure youre set for the next snow storm. But what kind of tools will you need to dig out? That depends on how prepared for snow removal you want to be. Here are some snow removal tips to help you remove the snow the easy way. Shovel Selection: Snow shovels today are light years ahead of the oversized aluminum spatulas we grew up with. Now you can choose plastic or metal shovels, big or small, and decide if you want the edge of your shovel to be scalpel sharp or as dull as a butter knife. There are even shovels with a bent handle designed to make it eas- ier on those of us with bad backs. Since all shovels do the job, let your own judgment guide you. Shovel Safety: No matter how modern your shovel is, shoveling is hard work! To be safe, keep these snow re- moval tips in mind: • Shovel right after the storm. The longer you wait, the heavier snow gets. Wet snow can weigh 20 lbs per shovel-full, or more, and one wrong turn of the shovel can throw your back out for good. • Pace yourself. If you havent been training for the next Ironman competition, take it easy! For most people, snow shoveling is an exhaustive aerobic activity youre not used to. Work slowly and take plenty of breaks when snow shoveling to keep your heart rate down. • When shoveling, keep your knees bent and lift with your legs, not your back. • Carry the snow to the place where you want to dump it from the shovel. Throwing the snow can twist your3 back, putting you out of commission for days.
Sidewalk Salt: Once the snow is shoveled, you need salt to melt ice that forms on walkways or steps. Choosing4 the right sidewalk salt is important. Traditional rock salt is extremely corrosive and can seriously harm concrete, leaving it pitted and worn. A better choice is to use calcium chloride, a less corrosive product that melts through the ice, but doesnt harm your sidewalk or your floors when its dragged into your house. Before winter sets in, pick up a bag of calcium chlo- ride, mix in some sand, and keep it in an old trash can or bucket near your front door. This way, its easy to just reach in and sprinkle sidewalk salt on your steps and walkway whenever you need it. Snow Blowers: What if you want to be really ready for "the big one"? Snow blowers are a large investment but theres nothing more beautiful than seeing one of these babies grind through a two foot pile of wet snow and send it 30 feet south faster than you can say "old man winter." Snow blowers run from $1,000 on up. With those prices, be sure you know what youre buying. Remember, its more about the type of surface youre clearing than the type of snow or even amount of snow. For a step-by-step buying guide on how to choose the right snow blower for you, visit www.snowblowersdirect.com. Light duty "single phase" snow blowers should be used only on flat surfaces. You cant use them on a gravel driveway for example, because the auger comes in direct contact with the ground. For more snow or a bigger area, youll need to bring in the heavy artillery. Two phase snow blowers are the most expensive, but two phase snow blowers are strong enough to cut through frozen snow thats days old. Remember the Boy Scout motto: always be prepared, at least when it comes to snow removal! Dust off your snow shovel, be the first on your block to buy sidewalk salt, and then just sit back, relax, and let it snow. HOUSEHOLD HINT (www.hints-n-tips.com) Carpet Stains - Use dishwashing liquid and peroxide. The stains actually just disappear. Be careful on dark carpets because peroxide can have a bleaching effect. Make Your House a Healthy Home & More Environmentally-Friendly Too! (EPA) Reuse items such as old computers, clothing, and appliances by repair- ing tem, donating tem to charity, or selling them to reduce landfill use. Save Energy (www.we-energies.com) Fans • Use fans with your air conditioner. Fans help reduce energy costs by circulating the cool air from your air conditioner. This allows you to raise the temperature and still be comfortable. Use oscillating fans for greater circulation. • Use ceiling fans for air circulation. In hot weather, set the ceiling fan direction to blow air down. The air mov- ing across your skin creates a cooling effect, allowing you to raise the temperature on your thermostat and still feel cool. In cold weather, set the fan to blow toward the ceiling. This pushes warm air away from the ceiling and evenly distributes heat in the room. • Use a whole-house fan. These fans are mounted in the attic and ventilate your entire home. Be sure to open some windows before turning on a whole-house fan. A qualified heating contractor can help you determine if you need a whole house fan. • Maintain your fan. Keep your fan in good working order. Check the manufacturer’s recommendations for care and maintenance. This helps control the operating costs SAVING TIP (The Simple Dollar) Plan your meals around your grocery store’s flyer. Instead of just planning your meals based on a cookbook or whatever you can dream up, plan all your meals around what’s on sale in your grocery store’s flyer. Look at the biggest sales, then plan meals based on those ingredients and what you have on hand, and you’ll find yourself with a much smaller food bill than you’re used to.4
5 SAVE STRATEGIES (www.americasaves.org) Saving at Tax Time Tax Time is a great time to kick start or grow your savings for the future! U.S. Savings Bonds are one safe and easy way to do it. There are a lot of great reasons to buy U.S. Savings Bonds at tax time. • You do not need a lot to get started — start with as little as $50. Use just part of your tax refund to start saving. • It is simple at tax time. Just select the amount you want saved from your income tax refund and you’ll receive your bond in the mail. • Earn interest. Your money starts growing immediately. • Bonds are safe. Bonds will never lose value and they are backed by the U.S. Government. • No fees. There are no fees to buy or cash in your bond. • Money for the future. You help your loved ones live their dreams when you buy bonds. • Gift savings to your loved ones. Bonds can be purchased in someone else’s name – so you can help jumpstart the savings and dreams of the people you care about. What are tax time bonds? Tax Time Savings Bonds are Series I U.S. Savings Bonds. Issued and guaranteed by the U.S. Treasury Department, Tax Time Savings Bonds can be purchased directly on your tax form. You can cash in your bond after one year at most banks or credit unions, but the longer your keep it the more it will grow in value. Your bond will earn interest for up to 30 years. If you cash your bond within 5 years, you’ll lose the last three months of interest. The current interest rate on Series I Savings Bonds is 2.2% through April 30, 2013, and will adjust for inflation every six months. Bonds offer competitive returns in comparison with other savings vehicles.* Growth on your bonds is guaranteed! Bonds make saving safe, simple and secure. RESOURCES Have your taxes prepared for free! VITA is United Way of Utah County’s Volunteer Income Tax Assistance pro- gram. Anyone in Utah, Summit or Wasatch Counties with an income of $51,000 or below may be eligible to have their taxes prepared and filed for free by trained volunteers. Local volunteers are IRS certified and look for specific tax credits like the Earned Income Tax Credit. Volunteers help participants receive the best refund possible. United Way of Utah County’s VITA program is a part of a coalition with other nationwide financial institutions, nonprofit and government agencies and the “Earn It! Keep It! Save It!” program. Appointments are necessary and fill up quickly, please schedule as early as possible. Starting January 17 through April 15, dial 2-1-1 to make an appoint- ment or to find out more information about VITA. Tax preparation sites are throughout Utah County. Community Action Services offers Home Buyer Education Classes on a monthly basis. Classes in February will be held February 6 and 7, 2013 from 6:00-9:00 p.m. or February 23, 2013 from 9:00-4:00 p.m. To register, please call (801) 691-5200 or go online to www.communityactionuc.org. Are you concerned about your financial future? Do you lack skills to get ahead in the workplace? People Help- ing People’s Utah County Employment Program can help you reach your full potential at work and in life. And best of all . . . It’s FREE! Open to all low-income women! Call 1.855.303.5300 (toll free) today for more information. BENEFITS OF HOMEOWNERSHIP Affordable Housing can REDUCE OVERCROWDING and other sources of housing-related stress that lead to poor educational outcomes by allowing families to afford decent-quality homes of their own.5
6 BE CAREFUL! (members.houselogic.com) 9 Easy Mistakes Home Owners Make on Their Taxes Don’t rouse the IRS or pay more taxes than necessary — know the score on each home tax deduction and credit. Sin #1: Deducting the wrong year for property taxes The IRS has a tool you can use to help figure out what you owe. You take a tax deduction for property taxes in the year you (or the holder of your escrow account) actually paid Sin #6: Failing to track home-related expenses them. Some taxing authorities work a year behind — If the IRS comes a-knockin’, don’t be scrambling to that is, you’re not billed for 2013 property taxes until compile your records. Many people forget to track 2014. But that’s irrelevant to the feds. home office and home maintenance and repair ex- penses, says Meighan. File away documents as you Enter on your federal forms whatever amount you actu- go. For example, save each manufacturers certification ally paid in 2013, no matter what the date is on your tax statement for energy tax credits and lender or govern- bill. Dave Hampton, CPA, tax manager at the Cincinnati ment statements to confirm property taxes paid. accounting firm of Burke & Schindler, has seen home owners confuse payments for different years and claim Sin #7: Forgetting to keep track of capital gains the incorrect amount. If you sold your main home last year, don’t forget to pay Sin #2: Confusing escrow amount for actual taxes capital gains taxes on any profit. You can exclude paid $250,000 (or $500,000 if you’re a married couple) of any profits from taxes. So if you bought a home for If your lender escrows funds to pay your property taxes, $100,000 and sold it for $400,000, your capital gains don’t just deduct the amount escrowed, says Bob are $300,000. If you’re single, you owe taxes on Meighan, CPA and vice president at TurboTax in San $50,000 of gains. However, there are minimum time Diego. The regular amount you pay into your escrow limits for holding property to take advantage of the ex- account each month to cover property taxes is probably clusions, and other details. Consult IRS Publication a little more or a little less than your property tax bill. 523. Your lender will adjust the amount every year or so to realign the two. Sin #8: Filing incorrectly for energy tax credits If you made any eligible improvements in 2012 -- or will For example, your tax bill might be $1,200, but your in 2013 -- such as installing energy-efficient windows lender may have collected $1,100 or $1,300 in escrow and doors, you may be able to take a 10% tax credit over the year. Deduct only $1,200. Your lender will send (up to $500). But keep in mind, its a lifetime credit. If you an official statement listing the actual taxes paid. you claimed the credit in any recent years, youre done. Use that. Don’t just add up 12 months of escrow prop- Fill out Form 5695. erty tax payments. Part II of the form, which covers systems eligible for a Sin #3: Deducting points paid to refinance larger tax credit through 2016, such as geothermal heat Deduct points you paid your lender to secure your mort- pumps, can be incredibly complex and involves cross- gage in full for the year you bought your home. How- checking with half a dozen other IRS forms. Read the ever, when you refinance, says Meighan, you must de- instructions carefully. duct points over the life of your new loan. If you paid Sin #9: Claiming too much for the mortgage inter- $2,000 in points to refinance into a 15-year mortgage, your tax deduction is $133 per year. est tax deduction You can deduct mortgage interest only up to $1 million Sin #4: Misjudging the home office tax deduction of mortgage debt, says Meighan. If you have $1.2 mil- This deduction may not be as good as it seems. Its lion in mortgage debt, for example, deduct only the complicated, often doesn’t amount to much of a deduc- mortgage interest attributable to the first $1 million. tion, has to be recaptured if you turn a profit when you sell your home, and can pique the IRS’s interest in your return. Hampton’s advice: Claim it only if it’s worth those drawbacks. If so, heres what to know about what you can write off. “Youve gotta dance like theres Sin #5: Failing to repay the first-time home buyer tax credit nobody watching, If you used the original home buyer tax credit in 2008, Love like youll never be hurt, you must repay 1/15th of the credit over 15 years. If you used the tax credit in 2009, 2010, or 2011 and then sold Sing like theres nobody listening, your house or stopped using it as your primary resi- And live like its heaven on earth.”6 dence, within 36 months of the purchase date, you also ― William W. Purkey have to pay back the credit.
BE GOOD TO YOUR HEALTH (Intermountain Health Care/Select Health) 7 Choosing foods wisely: the 6 nutritional building blocks Change your eating habits – block by block, day by day. Small gradual changes in your life have a much bitter impact then a short term diet. • Eat lots of fruits and vegetables. • Eat more whole grains. • Choose unsaturated fats and oils. • Choose heart-healthy proteins (fish, beans, soy, and nuts) • Select low-fat dairy products. Limit sodium (salt), sugar, and alcohol. Alexis Palmer and Staff Johnny McCoy Andrea Jensen Jordan Jensen Brandon Jeppson Karin Jessen BYU Habitat Chapter Mark Hillam BYU Volunteer and Service Learning Center Oak Hills 4th Ward Christine Keyser Randy Christiansen Utah Valley Circles Initiative Salt Lake Valley Habitat for Humanity Cory Jensen Utah Cancer Action Network CRSA Utah County Health Department Dan Gonzalez Utah County Sheriff’s Office Work Diversion David Harlow Utah Department of Environmental Quality Discovery Academy Utah Heritage Foundation Dr. Kevin Smith Utah Valley University East Bay 2nd Ward UVU Accounting 2020 Elizabeth Bradley-Wilson UVU Construction Management Freedom 1st Ward UVU Service Council Gary Jensen UVU Volunteer and Service Learning Center IM Flash Technologies YSA 63rd Ward Jamba Juice THANK YOU Utah Valley University, UVU Volunteer and Service Learning Center, Utah Cancer Action Network7
8 8 Habitat for Humanity Of Utah County Sun Mon Tue Wed Thu Fri Sat 1 2 3 4 5— 6 7— Site 8 9—Site Development Selection Host/Crew Service Leader Train- Volunteer and Community Rec- ing ognition Night 10 11—NRI 12— 13 14 15— 16 Committee Building Com- Executive mittee Committee Family Valen- tine’s Party 17 18— 19 20—Board 21— 22 23 President’s Meeting Finance Com- Day mittee 24 25— 26 27—Home 28 ReStore Com- Maintenance mittee NRI Committee Board Meeting Development Service February 11 February 5 February 20 3:00 p.m., Office 7:00 a.m., Office Noon, Office Family Valentine’s Party Finance Committee Site Selection February 11 February 21 February 7 7:00 p.m., Provo SDA 8:00 a.m., Office Noon, Office Building Committee ReStore Committee Volunteer and Community February 12 February 25 Recognition Night 2:00 p.m., Central Bank Noon, Office February 7 6:30 p.m. at White Willow Executive Committee Home Maintenance February 15 February 27 Site Host/Crew Leader 7:30 a.m., Office 6:30 p.m., Office Training February 9 9:30 a.m., Office President’s Day8 February 18 Office and ReStore Closed