TD Ameritrade is sponsoring and helping to build the fifth home with Habitat for Humanity of Utah County in Pleasant Grove. A groundbreaking ceremony will be held on September 16th for the three bedroom, two bathroom home. Additionally, The Outlets at Traverse Mountain will host a shopping event on September 14th to raise money for local non-profits including Habitat for Humanity. Habitat is also seeking AmeriCorps members to serve as crew leaders and coordinators.

1. HammerTime
HABBITATFORHUMANITYOFUTAHCOUNTY
TD AMERITRADE/LIMON FAMILY TO BREAK
GROUND ON HOME IN PLEASANT GROVE
TD Ameritrade has once again graciously donated funding to build a single family home with
Habitat for Humanity of Utah County in Pleasant Grove. Employees from the investment com-
pany’s Draper office will also be donating their time to help construct the three bedroom, two
bathroom home located at 671 East 100 South. This will be the fifth home that the company
has sponsored and built with the local Habitat affiliate. A groundbreaking celebration for the
home will be Monday, September 16, 2013, at 8:30 a.m. TD Ameritrade employees and others
will be joining Adonica Limon and her three sons as they break ground for their new home.
Breakfast will be served. All interested community members are invited to attend.
SHOPPING FOR A CAUSE!
The Outlets at Traverse Mountain will be
hosting a Shopping Extravaganza on Satur-
day, September 14, 2013 supporting local
non-profits, including Habitat for Humanity of
Utah County. A $15.00 ticket includes
lunch/dessert bar, live entertainment, photo
booth, discounts and much more. Over
$25,000 in prizes. Ticket proceeds benefit
participating organizations. Over $25,000 in
prizes! Visit www.outletsattraversemountain.com
for more info. Buy tickets at Habitat’s office in
Orem or Restores in Orem or Spanish Fork
or online: http://otmshopex2013.eventbrite.com/
(select Habitat for Humanity).
AMERICORPS MEMBERS SOUGHT
Habitat for Humanity of Utah County is look-
ing for some AmeriCorps Direct members to
serve as crew leaders and NRI coordinators
full-time over the next year. Monthly stipend,
health insurance, and education award (can
be given to child or grandchild) at the end of
service year. For more information, please
contact Jayne at janderton@habitatuc.org.
N e w s
September 2013
W h a t ’s U p
• Habitat for Humanity of Utah County will host its annual International Day of Prayer
and Action for Human Habitat event on Sunday, October 6, 2013, at 6:30 p.m. at St.
Mary’s Episcopal Church in Provo.
• Did you know that the Habitat for Humanity ReStore Home Improvement Outlets
help to keep thousands of pounds of waste out of landfills and provide most of the op-
erational dollars for the local Habitat affiliate? To find out more about the Restores,
look online at www.habitatuc.org/donate/restore/.
Back
to
School

2. 2 • 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!
• Did you know that Habitat for Humanity of Utah County offers recycling for community mem-
bers? Drop off your white paper, newspaper, cardboard, leftover latex paint, aluminum cans, and
scrap metal at the Orem ReStore at 340 South Orem Blvd., Orem. Your recycling donation helps to
protect the environment while helping to provide safe and affordable homeownership opportunities for
families in need in our community. Other drop off locations can be found at
www.habitatuc.org/donate/gogreen.html.
• 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 mis-
sion in the community.
• Have you tested your home for radon yet? – Habitat is working with the Utah Cancer Action Net-
work, Utah County Health Department, and the Utah Department of Environmental Quality to encour-
age 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.
• Did you know that by donating an old or unused vehicle to Habitat through the Cars for Homes pro-
gram, you can help provide funding to build more homes, for families in need of safe, decent shelter
around the world? Details at www.habitatuc.org/habitat_car_donations.html.
• Need tools for your upcoming fall 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 re-
quired. Look online at www.habitatuc.org for more information.
• Save Money for Home Repairs and Maintenance – A new home maintenance fund has been es-
tablished 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 kena@habitatuc.org.
P h o t o G a l l e r y
EPIC RIDE! - Over 700 local cyclists rode in the popular Utah Lake Cen-
tury Epic Ride (ULCER) around Utah Lake on August 3rd. The ride was
sponsored by the Bonneville Cycling Club, Utah Valley Chamber of
Commerce, and the Utah Valley Convention and Visitor’s Bureau. Habi-
tat for Humanity of Utah County was selected the non-profit beneficiary
of this year’s ride and received $5.00 per participant.

3. P h o t o G a l l ery
VIVINT “GIVES BACK” WITH FUN! Vivint and its em-
ployees hosted Habitat for Humanity of Utah County’s
Annual Family Summer Party in August at their North
Provo location. Habitat family members danced to some
great music provided by DJ Holly, snacked on cotton
candy and snow cones, jumped and got drenched in a
number of fun bounce houses, had their faces painted,
participated in a donut eating contest, and played a giant
twister game.
3
US Synthetic’s Company Culture of Service - Employees from US Syn-
thetic provided many hours of service this summer helping Habitat for Human-
ity of Utah County. Company Executives took the old porch off the historic
George Taylor, Jr. home in Provo as part of Habitat’s restoration efforts at the
home. Employees also endured the heat to remove the roof at the Norman
home in Spanish Fork. Habitat replaced the roof as part of its critical home
repair grant program.

4. SEPTEMBER VOLUNTEER OPPORTUNITIES
• Work in the ReStore Monday through Saturday from 10-6
• Assist with Habitat Recycling efforts.
VOLUNTEERS SOUGHT TO SERVE ON COMMITTEES
Volunteers are needed to serve on all of Habi-
tat’s local committees. Monthly meetings, lim-
ited time commitment, no experience necessary,
varying interests and skills. Look online at
www.habitatuc.org/volunteer/committees.html
for more information and meeting times.
V o l u n t e e r O p p o r t u n i t i e s
For more information, look online at
www.habitatuc.org or contact LeAnn at (801) 368-
2250 or leann@habitatuc.org. You can also sign up
online at www.habitat.org/volunteer.
SEPTEMBER BUILD DAYS
Volunteers are currently being sought to help with construction, renovation, revitalization, and land-
scaping projects. Build days are held Wednesdays, Thursdays, Fridays, and Saturdays. Sign up online
at www.habitatuc.org/volunteer.
CREW LEADERS AND SITE HOSTS NEEDED TO HELP
GUIDE CONSTRUCTION
Volunteers with construction experience or those
wanting to improve their construction skills are be-
ing sought to participate in the affiliate's Crew
Leader and Site Host Programs. Orientations are
monthly. The next orientation will be on Saturday,
September 21, 2013, at the Habitat office in Orem.
For information, contact LeAnn at the number or
email below.
H o m e M a in t en a n c e C l a s s es
Check out Habitat & Community Action’s Free Home Maintenance Course. The next class will be
Wednesday, September 25, 2013. The topics are: Basic Electrical Repairs, Changing Furnace Fil-
ter, Gutter and Downspout Care. 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 August
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 September clinic schedule at www.lowes.com.
At CENTRAL UTAH GARDENS – Registration is necessary. Look online for upcoming classes at
www.centralutahgardens.org/classes_events_concerts.aspx .
Without labor noth-
ing prospers. ~Sophocles
HOUSEHOLD HINT (www.hints-n-tips.com)
Lost Socks. Save the ring of the gallon container of milk (ask a few friends to give you theirs so you
don’t have to wait so long to get several). Pull the socks through. Throw into the washer/dryer. If one
breaks replace it with another milk jug ring. You don’t have to worry about rust from a pin or sticking
yourself.
Make Your House a Healthy Home & More Environmen-
tally-Friendly Too! (EPA)
Choose products that have the ENERGY STAR label.
4

5. H o m e M a in t en a n c e
(www.landscapingideasonline.com)
FALL LANDSCAPING TIPS
Well it’s that time of year again. The kids are back in school and you are taking stock on what you did
for the summer and wonder where the time went. Every year seems to go faster and faster. Did I get to
do the things I wanted to do this summer?
I know that I did spend a lot of time in my yard enjoying working in the garden and flower beds. I always
checked on my plants, re-arranged figurines, moving my planted pots around or pulling weeds and prun-
ing off the bad parts of the plants. I would love to sit o on my porch in the early morning with a cup of
coffee looking across the road at the river that never seemed to move very fast. And on a good morning
I would get to see a blue heron. But the reason I loved sitting on my porch the most was that I got to
look at all the plants I so vivaciously tended to all summer long. Getting up and checking to see if I got
new sprouts or new buds, especially on the plants that needed just that little bit of extra care. I love to
just look at them all and say I made this beautiful and just soak it all in.
Well we all know good things have to come to an end, but there are many ideas out and about to make
that enjoyment last just a little bit longer.
There are many plants available that can stand up to a little cold or even a little frost. The kinds of plants
would be your more fibrous and woody plants. With all the variety of all the tall grasses that have be-
come available within the last few years, would make a great addition to your fall gardening experience.
There is such a collection of colors, heights, and plumage, for me it is hard to choose. The best thing
about the grasses is that they are maintenance free.
If you would still like to enjoy some of you most favorite summer flowers, you could transplant them in
containers and bring them in every night. Or if you are not that ambitious you can cover you plants up at
night to avoid the frost. Either way you are prolonging you enjoyment.
Also in late summer there are a variety of mums that can be planted. These are one of the most hardy
when dealing with the cold weather of October. Kale is another great plant that can add a lot of color to
your landscape.
Another great idea for fall coloring is the trees that you plant in your yard. You can go from bright yel-
lows to fiery red. Some of the best choices are sugar maples, birch, ash ginkgo, redbud, beech, hickory,
butternut, honey locust and the tulip tree just to name a few out there. Do some searching on the net. It
seems like they are coming up with new hybrids every year, and you could possibly be the first on to
have the new breed of tree and having the neighbors asking what kind of tree is that? Where did you get
it?
With all the gourds, pumpkins, cornstalks, hay bales and potted plants you could have a lot of fun deco-
rating your yard for fall. You could make a straw or hay bale stack on both sides of the end of your drive-
way and set up an arrangement of the fall colors. Go out and get some cattails, take a nature hike and
see what could possibly catch your eye. If it catches yours, more than likely it will catch the attention of
others also. If you by chance have old farm tools somewhere this would be a fun time to put them out
too.
When we have the opportunity to make a good thing last, even if it’s for just a little bit, we should take
advantage of that. We know that eventually all good things must come to an end. But the great thing
about landscaping is that we get to do it again next year and the next.
SAVING TIP (www.grocerysavingtips.com)
Our Golden Grocery Saving Tips Rule is, "If it's not on
sale, it doesn't go in your cart!"
5

6. S a v in g s S t ra t eg ies (The Simple Dollar)6
365 Ways to Live Cheap – Handle a Windfall Intelligently
Yesterday, we talked about the challenges of getting a raise. It’s always a good thing to increase your
income, but if you make poor financial decisions with that extra income, it will go to waste and you’ll find
yourself right back in the same difficult financial boat you were in before the raise.
The same phenomenon is perhaps even truer when it comes to a big windfall. If you don’t use it wisely,
you’ll quickly find yourself right back where you started.
We’ve all heard the stories of lottery winners who took a big windfall and then found themselves bank-
rupt in a few years. People ask themselves how such a thing could possibly happen, but it makes sense
when you think about human nature.
Think about what you’ve done whenever you’ve received a windfall. The initial impulse is to celebrate
and to use the money to indulge in something you wouldn’t otherwise afford.
You win $50 in a raffle and it’s tempting to go out for dinner. You get $1,000 as an inheritance and it
seems like a great time to replace that old television. Inherit $10,000 and it’s suddenly time to build a
swimming pool.
I’ve known people who have done all of those things.
The impulse to splurge exists no matter how big or how small the windfall is.
Let’s look at a different approach, though.
A person who finds $50 uses it to buy groceries instead of going out on the town. A few weeks later,
they’re able to easily make that insurance payment they forgot about without going into debt for it and
they’re able to continue their forward financial progress.
A person who finds $1,000 immediately pays off a credit card that was charging them 20% interest on
the balance. Not having to make that payment every month makes it that much easier to make ends
meet an not fall into further debt.
A person who finds $10,000 puts it in the bank and in a year or so buys a late model used car by writing
a check instead of getting a loan. There’s no monthly payments for that car at all, enabling that person
to keep accelerating through paying off their other debts and reaching financial independence.
A person who wins a $10 million lottery pays off every debt he or she owes and puts the rest into invest-
ments, choosing to live off of the investment returns while re-investing 20% of those returns automati-
cally. Their annual income is somewhere in the range of $300,000 for the rest of their lives and they
have a massive amount to leave to their heirs.
But what about rewarding yourself after a windfall? The best reward is less worry. If you reward your-
self with some big spontaneous reward, you don’t do much at all to get rid of the financial concerns in
your life. Use the windfall correctly and you chip away at or even eliminate the financial stresses that
hold you back.
BE GOOD TO YOUR HEALTH (SelectHealth Total Fitness)
5 Tips to Prevent Falls
AT HOME: BRING ON THE LIGHT
1. Make sure every room has a light you can turn on by using a wall switch as you enter.
2. Install grab bars on bathroom walls beside tubs, showers, and toilets.
3. Keep a flashlight with fresh batteries near your bed.
AND AWAY: WATCH YOUR STEP
Check curb heights before crossing streets. Even a cutaway curb could cause a stumble.
In public buildings, walk slowly on slippery marble. Stay on plastic or carpet runners
whenever possible – step carefully over the edges.
4.
5.

7. 7
Community Action Services offers Home Buyer
Education Classes on a monthly basis. Classes
in September will be held September 4 and 5,
2013 from 6:00-9:00 p.m. or September 21, 2013
from 9:00-4:00 p.m. To register, please call (801)
691-5200 or go online to
www.communityactionuc.org.
People Helping People’s Employment Pro-
gram offers a unique, long term, one-on-one ap-
proach that teaches women how to get a good
job, perform well in a job, and seek and receive
pay raises and promotions. Program overviews
will be held Wednesday evenings from 5:30 p.m.
to 6:30 p.m. on September 4, 11, 18 & 25 at
UVU’s School Community University Partnership
Training Center at 723 South 1200 West in
Orem. For more information, visit
www.phputah.org.
BE CAREFUL (Costco Consumer Connection)
How do you protect your aging parents from getting ripped off?
Enroll your parents in the Federal Trade Commission’s National Do Not Call Registry to reduce the
number of unwanted telemarketing calls they receive. Be sure to register both their cell and home
phones. Visit www.donotcall.gov for more information.
Take them to seminars and workshops aimed at teaching seniors about emerging scams.
Check their credit report periodically at www.annualcreditreport.com to detect if they have been vic-
tims of identity theft.
Talk about the option of placing a security freeze on their credit report with the major credit reporting
agencies. A security freeze may reduce the chances of becoming a victim of identity theft – it helps
stop someone from being able to open new credit accounts using personal identifying information –
but there are issues to consider before obtaining one. Contact your state, city or county consumer
protection office for details.
R E S O U R C E S
MEASURE OWNERS ARE
Organizational memberships Higher
Member of nationality group Higher
Member of youth group Higher
Spend evenings with relatives Higher
Giving help to others Higher
Goes to bars Lower
Self-satisfaction Higher
Sure my life will work out Higher
Depression Scale Lower
Happiness Scale Higher
Physical Health Self Rating Higher
Benefits of Homeownership –
Measure of Sense of
Sociability and Well-Being
(Homeowners as compared to renters)
7

8. 8
Utah Valley Chamber of Commerce
Utah Valley Convention and Visitor’s Bu-
reau
VIVINT
Wells Fargo
WPA Architecture
Thank You
Utah Valley Chamber of Commerce,
Utah Valley Convention and Visitor’s
Bureau, Bonneville Cycling Club,
Wells Fargo, Vivint
Bonneville Cycling Club
IM Flash
Paul Richards
Troy Holmberg
ULCER Volunteers
US Synthetic
Labor Day September 2nd
Office and Restores Closed
Development Services September 3rd
Noon Office
Site Selection September 5th
Noon Office
Building September 10th
2:00 p.m. Central Bank
NRI September 10th
3:00 p.m. Office
Family Partnership September 12th
6:30 p.m. Office
Executive Committee September 13th
7:30 a.m. Office
Shopping Extravaganza September 14th
Traverse Mountain Outlets
TD Ameritrade/Limon GB September 16th
8:30 a.m. 671 East 100 South, PG
Building Resources September 17th
7:00 a.m. Office
Board meeting September 19th
7:00 a.m. Office
Site Host September 21st
Crew Leader Training September 21st
ReStore September 23rd
Noon Office
Home Maintenance September 25th
6:30 p.m. Office

9. 9
Sun Mon Tue Wed Thu Fri Sat
1 2 Labor Day 3
Development
Services
4 5
Site
Selection
6 7
8 9 10
Building
NRI
11 12
Family Part-
nership
13
Executive
Committee
14
Shopping
Extrava-
ganza
15 16
TD Ameri-
trade/Limon
GB
17
Building
Resources
18 19
Board
meeting
20 21—Site Host
—Crew Leader
Training
22 23
ReStore
24 25 26
Home
Maintenance
27 28
29 30
Of Utah County