N e w s
HABBITAT FOR HUMANITY OF UTAH COUNTY
RESTORING PROVO’S HISTORY
Habitat for Humanity of Utah County is working to “restore Provo’s history” by renovating
and restoring the run-down, historic George
Taylor, Jr. home in downtown Provo. With
help from CRSA Architects, Provo’s Landmark’s Commission, and the Utah Heritage
Foundation, Habitat plans to renovate the illegal duplex and turn it back into a single family, owner-occupied residence maintaining its
historic significance, and sell it to a lowincome family with children in need of safe
and affordable housing in our community.
The home will be highlighted in the 2014 Parade of Homes.
The well-known home, located at 187 North 400 West, is on the National Register of Historic
Places and was built by George Taylor, Jr. in the 1880’s. George Taylor, Jr. was the son of
George Taylor Sr. who founded the Taylor furniture store in 1866, which was the first furniture
store in Provo. The business became incorporated in 1890 as the Taylor Brothers Company.
As the corporation grew, Taylor Brothers Company became the first big department store in
Funding is still needed to complete the important restoration project. Donate today at
www.habitatuc.org/donate (select George Taylor, Jr. restoration home) or mail check to 340
South Orem Blvd., Orem, Utah 84058. For more information, contact Kena at (801) 344-8527
DONATE YOUR TIME AND MATERIALS AND BECOME A MOST VALUABLE PLAYER!
Habitat for Humanity of Utah County recently introduced a new program to encourage increased participation by local subcontractors and building material suppliers with Habitat’s affordable housing program. The MVP Club provides members with media and
marketing benefits in return for donations and discounts on labor and supplies. We would like to thank CRSA, Sunroc, ClydeCo, Rocky Mountain
Waterproofing, Provo Abstract Company, Stewart Gardner, Case Excavation, K-9 Construction, and PowerHouse Electric for recently joining
the club and assisting the affiliate with donations and discounts on homes in Pleasant
Grove, Springville, and Provo. To join or for more information, contact Nancy at (801) 3448527 or firstname.lastname@example.org.
CRITICAL HOME REPAIR PROGRAM SEEING GREAT SUCCESS
Habitat for Humanity of Utah County’s Critical Home Repair Program has seen much success
over the summer and fall months. Funded through Utah County’s Community Development
Block Grant Program, Habitat has been able to assist ten low-income homeowners with critical
home repair and accessibility needs since May. Volunteers and subcontractors have installed
a number of ramps, repaired and replaced two roofs, lead abated and painted the exterior of a
home, replaced a water main and sewer line, fixed a chimney, replaced a refrigerator, and installed a hardwood floor. To find out more about this program and other local Neighborhood
Revitalization Initiative programs, contact LeAnn at (801) 368-2250 or email@example.com.
h a t ’s U p
Christmas has come early at the Habitat ReStores in Utah Valley! Come check out all the new
holiday inventory and gifts at deeply discounted prices! Details and locations at
Pride in Ownership – Mike and Allison Fullmer and their boys were selected this quarter’s Pride in
Ownership award winner for beautifying and maintaining their home at 1387 South 240 East in Payson. They will receive a home improvement gift card and certificate for their efforts. Congratulations!
Habitat for Humanity of Utah County is again hosting the annual “It’s A Wrap” gift wrapping booth
at the Provo Towne Centre during the holiday season. This year’s gift wrap booth will be located at the
mall information booth and will be open the week leading up to Christmas. Proceeds will benefit local
families in need of safe and affordable housing. Volunteers and shift leaders are needed. For more
information, please contact Kena at (801) 344-8527 or firstname.lastname@example.org.
Habitat for Humanity of Utah County would like to welcome our new AmeriCorps member, Ashley
Larson. Ashley will be spending the next year with Habitat helping to expand the affiliate’s Neighborhood Revitalization Initiative Programs.
In partnership Utah County Health Department, Habitat will be sponsoring a Green Carpet Event to
honor the winners and participants of this year’s Radon Poster Contest on November 19, 2013.
Thinking of trading up for a new car? Why not donate your old vehicle, gain a tax-deduction, and
help fund a home in partnership with families in need of affordable housing. Learn more about Cars for
Homes today at www.habitatuc.org/habitat_car_donations.html.
Recycle all the cans from your holiday parties and help provide safe and affordable housing for families in need in our community. Drop off locations listed at www.habitatuc.org/donate/gogreen.html.
Stay up to date with all the local Habitat happenings! Habitat for Humanity of Utah County has
adopted a new texting platform called txtCloud that will allow our local Habitat affiliate to keep you up
to date on what is happening at the organization - including volunteer opportunities, events, ReStore
inventory arrivals, and much more! We would like to invite you to join Habitat’s Cloud. Using your
phone, text UCHabitat to CLOUD or 25683. You will be asked three questions - your zip code, your
gender and the year you were born. You are now ready to keep up to date with what is happening at
your local Habitat affiliate. We know your phone is sacred space. Spam is not allowed. Check it out
and see how it works - you may opt out anytime!
Check out Habitat’s FUNSAVER Site! Habitat for Humanity has partnered with VP Deals to get all
the latest bargains on local products/venues. Check out this week’s FUNSAVER specials at
www.habitatucdeals.info. A portion of your “fun” purchases will help Habitat further its housing 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. Radon is the second leading cause of lung
cancer, causing an estimated 22,000 deaths of year in the United States. Habitat offers test kits at the
Orem ReStore or online for just $6.00! Learn more at www.habitatuc.org/radon_awareness.html.
Need tools for your 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. New tools have been added recently.
The lending library, located inside the Habitat ReStore at 340 South Orem Blvd., Orem, is open Monday through Saturday from 10-6. An application and proof of residency are required. Look online at
www.habitatuc.org for more information.
HOUSEHOLD HINT (www.hints-n-tips.com)
Rust Removal Tip - Rust spots and pitting on chrome can be easily
removed by balling up a piece of aluminum foil, wetting it with Coke and
rubbing. Best to use gloves if there is a lot of rust.
P h o t o G a l l er
“Teaming Up” for a Good Cause! Wells Fargo has
again partnered with Habitat for Humanity of Utah
County to help the local Habitat affiliate build a home
in Springville. As part of Wells Fargo’s Team Leader
program, employee volunteers from the financial institution’s local management team presented a check for
$15,000 and spent a day in October helping to frame
the interior walls and the garage at the home located
at 39 South 950 East.
Praying for Shelter Community members joined
local interfaith members to
participate in Habitat for Humanity of Utah County's Annual Day of Prayer event at the historic
St. Mary’s Episcopal Church in Provo on
October 6, 2013. Judge Lynn Davis and
others gave inspiring remarks about the
importance of prayer, service, and shelter.
Students and alumni from Utah Valley
their talents and
If a fellow isn't thankful for what he's got, he isn't
likely to be thankful for what he's going to get.
~Frank A. Clark
BE CAREFUL (Costco Consumer Connection)
Beware of Health Care Enrollment Scams
The Federal Trade Commission, the nation’s consumer protection agency, has reported incidents of
scammers trying to capitalize on healthcare enrollment. Beware of false enrollment websites trying to
swindle you into buying fake health insurance. The only official site of the Health Insurance Marketplace is www.healthcare.gov.
Don’t take a call from out of the blue from people who offer to help you navigate the new healthcare
market or say they’re issuing mandatory new national medical cards. The same rule applies to receiving an unsolicited email, letter or text.
If you are asked for personal or bank account information so a caller can determine the financial
threshold for Affordable Care Act benefits you’re being swindled.
o r t u n itie s
o lu n t e e r O p p
NOVEMBER BUILD DAYS
Volunteers are currently being sought to help with construction, renovation, revitalization, and critical
home repair projects. Build days are now held Wednesdays, Thursdays, Fridays, and Saturdays. Sign
up online at www.habitatuc.org/volunteer.
NOVEMBER VOLUNTEER OPPORTUNITIES
Work in the Orem or Spanish Fork ReStores Monday through Saturday from 10a.m.to 6p.m.
Assist with Habitat Recycling efforts.
Man booth at upcoming employee fair.
Graphic designers needed to help with monthly Daily Herald Ad and other graphic design needs.
FAMILY MENTORS NEEDED
Habitat is currently looking for local homeowners to serve as volunteer family mentors. Mentors help
Habitat partner families navigate the home construction and home buying process. 1-2 hours per week
commitment plus attendance at monthly meeting. For more information, contact Kena at (801) 3448527 or email@example.com.
VOLUNTEERS SOUGHT TO SERVE ON
Volunteers are needed to serve on all of Habitat’s local committees. Monthly meetings, limited time commitment, no experience necessary,
varying interests and skills. Look online at
for more information and meeting times.
For more information, look online at
www.habitatuc.org or contact LeAnn at (801)
368-2250 or firstname.lastname@example.org. You can
also sign up online at www.habitat.org/volunteer.
H o m
l a s s es
in t en a n c e C
CREW LEADERS AND SITE HOSTS NEEDED
TO HELP GUIDE CONSTRUCTION
Volunteers with construction experience or those
wanting to improve their construction skills are being sought to participate in the affiliate's Crew
Leader and Site Host Programs. Orientations are
monthly. The next orientation will be on Saturday,
November 9, 2013, at the Habitat office in Orem.
For information, contact LeAnn at the number or
Save Money on Pet Supplies
Buy large cans of dog food and half in two
for two feedings.
Check out Habitat & Community Action’s Free Home Maintenance Course. The next class
will be Wednesday, November 20, 2013 (due to Thanksgiving). The topics are: Landscaping and Lawn Care, Sprinkler System Maintenance. 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 November clinic schedule at www.homedepot.com.
At LOWE'S - 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 November clinic schedule at www.lowes.com.
At CENTRAL UTAH GARDENS – Registration is necessary. Look online for upcoming classes at
H o m
a in t en a n c e T
Read more: (www.ehow.com)
How to Winterize a Sprinkler System
It's important to winterize your sprinkler system to avoid any potential problems. If water is left in the
pipes, it could freeze and burst, causing a leak. It is especially important to winterize your sprinkler system if you live in a colder climate. There are three ways to winterize your sprinkler system.
Manual Drain Method
Open the drain on the stop and waste valve and let the rest of the water drain.
Make sure you open the test cocks on the back flow instrument to let the water drain out.
Turn off the water supply at the main valve, and open the manual drain valves.
Close the manual valves when all the water has been drained out.
Automatic Drain Method
Shut off the water supply and relieve the water system pressure to drain the water from the
Open the boiler drain once the water is out of the mainline. Drain the rest of the water that is
caught between the shut off valve and back flow instrument.
Make sure you open the test cocks on the back flow instrument to let the water drain out.
Air Compressor Method
Rent an air compressor from your local equipment rental place.
Shut off the main water supply.
Attach the compressor with a connector, such as a quick coupler or hose bib to the
Make sure you open the test cocks on the back flow instrument to let the water drain out.
Open the compressor valve slowly and gradually start the airflow into the system. Make
sure the air pressure stays at 50 pounds per square inch.
Increase the air pressure if the sprinkler heads don't pop up. Never allow the air pressure to
get above 80 psi.
Turn off the air compressor when the lines are dry.
Leave the isolation valves open about half way, and leave the test cocks open all the way.
Benefits of Homeownership –
An Appreciating Investment
Like any investment, the real estate market fluctuates over periods of time.
However, if you're in it for the long term, the value of your property could
appreciate depending on the current market values. Unlike other more
volatile commodities the price of real estate may go up so your home creates value while you live in it. Unlike renting (which increases with inflation), fixed mortgage payments will stay the same even as the market fluctuates.
a v in g s S t ra t e
(The Simple Dollar)
365 Ways to Live Cheap - Automatically Sock Away That Savings (357/365)
When I first started my financial turnaround, there were a few months where I was amazed at the amount
of money left in my checking account at the end of the month.
Not three months before, I would find myself with a few bucks left in checking before my paycheck arrived. Now, I would see hundreds of dollars left in there at the end of the month, and the total was growing. I was making extra debt payments and still building up my financial reserve.
The problem then became temptation. Since I knew I had money just sitting there in my checking account, it started to become easier to talk myself into spending money that I really shouldn’t have spent. I
started to slip into bad spending habits again.
Luckily, I caught myself before bad patterns completely reappeared. I knew I needed a different approach, and automatic saving was that approach.
What I did was really simple. I simply set up an automatic transfer from my checking account to my savings account that would drain away the excess each pay period.
After paying careful attention to how my money was building up, I realized I was spending about $200 to
$300 less per pay period than I was bringing in. So, I set up an automatic transfer for $200 per pay period to go straight into a savings account.
I set up my savings at a different bank entirely – I used ING Direct. Why? If I kept the money at the same
bank, it was quite easy to just access that cash at any ATM. The whole point of doing this was to put the
cash somewhere else, out of sight and out of mind, so I could make careful, rational decisions with it.
Eventually, that saved money helped me smash through remaining debts and eventually made the move
to our current home possible. More importantly, the automatic transfer kept me from spending it on foolish things.
Automatic transfers are still a vital part of how I manage my money. I sock away money automatically for Christmas gifts, for our next car purchase, and for our emergency fund. These all go into separate savings accounts which I tap at the appropriate time.
Automatic transfers simultaneously protect you from lapsing back into poor financial choices while also
enabling you to plan ahead for the events in your future. That way, you’re not sacrificing a wonderful
Christmas for your family due to your own questionable spending habits, and your frugal choices are not
going to waste
r H e a lth
G o o d T o Yo u
How the Health Care Law is Making a Difference for the People of Utah
Because of the Affordable Care Act, the 85% of Utah residents who have insurance have more choices
and stronger coverage than ever before. And for the 15% of Utah residents who don’t have insurance,
or Utah families and small businesses who buy their coverage but aren’t happy with it, a new day is just
around the corner.
Soon, the new online Health Insurance Marketplace will provide families and small businesses
who currently don’t have insurance, or are looking for a better deal, a new way to find health coverage that fits their needs and their budgets.
Open enrollment in the Marketplace starts Oct 1, with coverage starting as soon as Jan 1, 2014.
But Utah families and small business can visit HealthCare.gov right now to find the information
they need prepare for open enrollment.
The health care law is already providing better options, better value, better health and a stronger
Medicare program to the people of Utah by:
The Health Insurance Marketplace
Beginning Oct 1, the Health Insurance Marketplace will make it easy for Utah residents to compare qualified health plans, get answers to questions, find out if they are eligible for lower costs for private insurance or health programs like Medicaid and the Children’s Health Insurance Program (CHIP), and enroll
in health coverage.
By the Numbers: Uninsured Utah residents who are eligible for coverage through the Marketplace.
359,577 (15%) are uninsured and eligible
289,011 (80%) have a full-time worker in the family
140,864 (39%) are 19-34 years old
243,878 (68%) are White
4,660 (1%) are African American
86,010 (24%) are Latino/Hispanic
9,574 (3%) are Asian American or Pacific Islander
199,708 (56%) are male
332,970 (93%) of Utah’s uninsured and eligible population may qualify for either tax credits to purchase
coverage in the Marketplace or for Medicaid if Utah takes advantage of the new opportunity to expand
Medicaid coverage under the Affordable Care Act.
Utah has received $2,000,000 in grants for research, planning, information technology development, and
implementation of its Health Insurance Marketplace.
New coverage options for young adults
Under the health care law, if your plan covers children, you can now add or keep your children on your
health insurance policy until they turn 26 years old. Thanks to this provision, over 3 million young people
who would otherwise have been uninsured have gained coverage nationwide, including 26,000 young
adults in Utah.
Ending discrimination for pre-existing conditions
As many as 1,150,918 non-elderly Utah residents have some type of pre-existing health condition, including 206,400 children. Today, insurers can no longer deny coverage to children because of a preexisting condition, like asthma or diabetes, under the health care law. And beginning in 2014, health insurers will no longer be able to charge more or deny coverage to anyone because of a pre-existing condition. The health care law also established a temporary health insurance program for individuals who
were denied health insurance coverage because of a pre-existing condition. 1,160 Utah residents with
pre-existing conditions have gained coverage through the Pre-Existing Condition Insurance Plan since
the program began.
Providing better value for your premium dollar through the 80/20 Rule
Health insurance companies now have to spend at least 80 cents of your premium dollar on health care
or improvements to care, or provide you a refund. This means that 139,655 Utah residents with private
insurance coverage will benefit from $4,582,857 in refunds from insurance companies this year, for an
average refund of $85 per family covered by a policy.
Scrutinizing unreasonable premium increases
In every State and for the first time under Federal law, insurance companies are required to publicly justify their actions if they want to raise rates by 10 percent or more. Utah has received $4,315,679 under
the new law to help fight unreasonable premium increases.
Removing lifetime limits on health benefits
The law bans insurance companies from imposing lifetime dollar limits on health benefits – freeing cancer patients and individuals suffering from other chronic diseases from having to worry about going without treatment because of their lifetime limits. Already, 1,183,000 people in Utah, including 387,000
women and 411,000 children, are free from worrying about lifetime limits on coverage. The law also restricts the use of annual limits and bans them completely in 2014.
Covering preventive services with no deductible or co-pay
The health care law requires many insurance plans to provide coverage without cost sharing to enrollees
for a variety of preventive health services, such as colonoscopy screening for colon cancer, Pap smears
and mammograms for women, well-child visits, and flu shots for all children and adults.
In 2011 and 2012, 71 million Americans with private health insurance gained preventive service coverage with no cost-sharing, including 787,000 in Utah. And for policies renewing on or after August 1,
2012, women can now get coverage without cost-sharing of even more preventive services they need.
Approximately 47 million women, including 465,617 in Utah will now have guaranteed access to additional preventive services without cost-sharing.
Increasing support for community health centers
The health care law increases the funding available to community health centers nationwide. In Utah, 11
health centers operate 42 sites, providing preventive and primary health care services to 112,794 people. Health Center grantees in Utah have received $22,263,512 under the health care law to support ongoing health center operations and to establish new health center sites, expand services, and/or support
major capital improvement projects.
Community Health Centers in all 50 states have also received a total of $150 million in federal grants to
help enroll uninsured Americans in the Health Insurance Marketplace, including $1,374,648 awarded to
Utah health centers. With these funds, Utah health centers expect to hire 24 additional workers, who
will assist 17,144 Utah residents with enrollment into affordable health insurance coverage.
Investing in the primary care workforce
As a result of historic investments through the health care law and the Recovery Act, the numbers of clinicians in the National Health Service Corps are at all-time highs with nearly 10,000 Corps clinicians providing care to more than 10.4 million people who live in rural, urban, and frontier communities. The National Health Service Corps repays educational loans and provides scholarships to primary care physicians, dentists, nurse practitioners, physician assistants, behavioral health providers, and other primary
care providers who practice in areas of the country that have too few health care professionals to serve
the people who live there. As of September 30, 2012, there were 114 Corps clinicians providing primary
care services in Utah, compared to 75 in 2008.
Preventing illness and promoting health
As of March 2012, Utah had received $8,800,000 in grants from the Prevention and Public Health Fund
created by the health care law. This new fund was created to support effective policies in Utah, its communities, and nationwide so that all Americans can lead longer, more productive lives.
A Stronger Medicare Program
Making prescription drugs affordable for seniors
In Utah, people with Medicare saved nearly $40 million on prescription drugs because of the Affordable
Care Act. In 2012 alone, 20,994 individuals in Utah saved over $15 million, or an average of $703 per
beneficiary. In 2012, people with Medicare in the “donut hole” received a 50 percent discount on covered
brand name drugs and 14 percent discount on generic drugs. And thanks to the health care law, coverage for both brand name and generic drugs will continue to increase over time until the coverage gap is
closed. Nationally, over 6.6 million people with Medicare have saved over $7 billion on drugs since the
God gave you a gift of 86,400 seconds today. Have you used
one to say "thank you?" ~William A. Ward
Covering preventive services with no deductible or co-pay
With no deductibles or co-pays, cost is no longer a barrier for seniors and people with disabilities who
want to stay healthy by detecting and treating health problems early. In 2012 alone, an estimated 34.1
million people benefited from Medicare’s coverage of preventive services with no cost-sharing. In Utah,
127,246 individuals with traditional Medicare used one or more free preventive service in 2012.
Protecting Medicare’s solvency
The health care law extends the life of the Medicare Trust Fund by ten years. From 2010 to 2012, Medicare spending per beneficiary grew at 1.7 percent annually, substantially more slowly than the per capita
rate of growth in the economy. And the health care law helps stop fraud with tougher screening procedures, stronger penalties, and new technology. Over the last four years, the administration’s fraud enforcement efforts have recovered $14.9 billion from fraudsters. For every dollar spent on health carerelated fraud and abuse activities in the last three years the administration has returned $7.90
R E S O U R C E S
Subcontractors for Santa. The Utah Valley Home Builders Association (UVHBA) is looking for lowincome homeowners who need help with small maintenance or home improvement projects
(approximately 4-6 hours of work or less) during the holiday season. To apply or for more information,
contact the UVHBA office at (801) 225-8893.
Community Action Services offers Home Buyer Education Classes on a monthly basis. Classes in November will be held November 6 and 7, 2013 from 6:00-9:00 p.m. or November 23, 2013 from 9:00-4:00
p.m. To register, please call (801) 691-5200 or go online to www.communityactionuc.org.
First job. Better job. Looking for employment? Ready to advance your career? We connect job seekers
to Utah jobs. Develop your plan for success! Look online at jobs.utah.gov/jobseeker.
Wasatch Mental Health is a public comprehensive community health center serving primarily Medicaid
cardholders in Utah County. The Center offers an array of programs and supports designed to meet the
needs of children, youth, adults and their families. For a complete listing of all our services, visit our website at www.wasatch.org.
BYU Habitat for Humanity Chapter
BYU American Society of Civil Engineers
Adonica Limon and Boys
Ashton Family Foundation
Die Cuts with a View
Dr. Paul Godfrey
Good Life Expo
Intermountain Health Care
JP Morgan Chase
Judge Lynn Davis
Outlets at Traverse Mountain
Pepsi of Springville
Response Marketing Group
Rev. Daniel Haas
Rev. Peter Van Hook
Rocky Mountain Power
Serena Kanig Benish
St. Mary’s Episcopal Church
UVU Make-a-Difference Day Volunteers
United Way of Utah County
Utah Valley Convention Center
Vern and Donna Whisenant
Of Utah County
19—Radon 20—Board 21
Poster Green Meeting
November 28th and 29th
Office and ReStore Closed
Radon Poster Green