october newsletter2016

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Oct-16 News HABITAT TO HONOR WORLD HABITAT DAY WITH RESTORE SALE More than 30 years ago, the United Nations General Assembly took an important step in promoting the idea that everyone deserves a decent place to live by declaring that the first Monday in October would be World Habitat Day. On Monday, Oct. 3, 2016, Habitat for Humanity of Utah County will join Habitat for Humanity International and with our partners around the world to rededicate ourselves to recognizing the basic right of everyone to adequate shelter. The local Habitat affiliate asks the community to join together in communicating the message that every one of us deserves the opportunity for a better future, and that a decent place to live can remove barriers to opportunity, health and success that might have been part of a family’s life for years, and in many cases for generations. For more information about World Habitat Day, look online at http://www.habitat.org/whd. Since the local Habitat office and ReStores are closed on Monday, Habitat for Humanity of Utah County will further honor this annual day with a huge sale at its ReStores in Orem and Spanish Fork on Tuesday, October 6, 2016, from 10:00 a.m. to 6:00 p.m. The stores are located at 340 South Orem Blvd., Orem, and 253 W. Arrowhead Trail, Spanish Fork. Selected items will be 50 percent off. WOMEN FINDING A VOICE IN COMMUNITY Habitat for Humanity of Utah County will be offering a new Voice of Women Leadership series for female Habitat homeowners. The Voice of Women is a new leadership training initiative designed for women homeowners in partner families. Training was developed to provide women homeowners with leadership skills and structure to affect positive change in their neighborhoods and communities. This six-part training series is designed to help women in partner families take ownership and to work effectively with neighbors and community leaders. This training series was developed to provide women homeowners in partner families with a framework to exercise an active ‘voice’ in civic, political, educational, and social workings within their communities. The free series will begin Wednesday, October 5, 2016, at 6:00 p.m. at the Habitat office in Orem. The series will last for six weeks and will be held every Wednesday from 6:00 p.m. to 8:00 p.m. No child care will be available. Refreshments and materials will be provided. Those interested in attending, should contact Jimmie at (801) 344-8527 or [email protected] to RSVP and for more information. Hammertime Oct-16

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Page 1: October newsletter2016

Oct-16

News

HABITAT TO HONOR WORLD HABITAT DAY WITH RESTORE SALE

More than 30 y ears ago, the United Nations General Assembly took an important step in promoting the idea that everyone deserves a decent place to live by declaring that the first Monday in October would be World Habitat Day .

On Monday , Oct. 3, 2016, Habitat for Humanity of Utah County will join Habitat for Humanity International and with our partners around the world to rededicate ourselves to recognizing the basic right of everyone to adequate shelter. The

local Habitat affiliate asks the community to join together in communicating the message that every one of us deserves the opportunity for a better future, and that a decent place to live can remove barriers to opportunity, health and success that might have been part of a family ’s life for y ears, and in many cases for generations. For more information about World Habitat Day , look online at http://www.habitat.org/whd.

Since the local Habitat office and ReStores are closed on Monday, Habitat for Humanity of Utah County will further honor this annual day with a huge sale at its ReStores in Orem and Spanish Fork on Tuesday , October 6, 2016, from 10:00 a.m. to 6:00 p.m. The stores are located at 340 South Orem Blvd., Orem, and 253 W. Arrowhead Trail, Spanish

Fork. Selected items will be 50 percent off.

WOMEN FINDING A VOICE IN COMMUNITY

Habitat for Humanity of Utah County will be offering a new Voice of Women Leadership series for female Habitat homeowners. The Voice of Women is a new leadership training initiative designed for women homeowners in partner families. Training was developed to provide women homeowners with leadership skills and structure to affect positive change in their neighborhoods and communities.

This six-part training series is designed to help women in partner families take ownership and to work effectively with neighbors and community leaders. This training series was developed to provide women homeowners in partner families with a framework to exercise an active ‘voice’ in civ ic, political, educational, and social workings within their

communities.

The free series will begin Wednesday, October 5, 2016, at 6:00 p.m. at the Habitat office in Orem. The series will last for six weeks and will be held every Wednesday from 6:00 p.m. to 8:00 p.m. No child care will be available. Refreshments and materials will be provided. Those interested in attending, should contact Jimmie at (801) 344-8527 or [email protected] to RSVP and for more information.

Hammertime

Oct-16

Page 2: October newsletter2016

Oct-16

What’s Up This Month?

LAST CHANCE TO BUY SHOPPING EXTRAVAGANZA TICKETS

October 6th is the last day y ou can purchase tickets to this weekend’s Shopping Extravaganza at th e Outlets at Traverse

Mountain on October 8th. Tickets are available online (with a small fee) through 5:00 p.m. on Thursday at https://www.eventbrite.com/e/shopping-extravaganza-2016-tickets-26832608053?aff=es2 (Select Habitat for Humanity of Utah County ). Don’t miss out on this fun day of shopping, discounts, lunch, giveaways (over $30,000 in gift cards and prizes available), and much more! Tickets are available for $20.00 with $15.00 going to support Habitat’s 65th area home in Orem.

CABINETS GALORE

The Utah Valley ReStores have a bunch of new cabinets at great prices! Stop by today to see the new inventory. Locations and hours at http://www.habitatuc.org/restore.htm.

ATTENTION COMMUNITY WOMEN

We need funding to finish our first ever full Women Build Home in Provo. Join our Circle of 100 today for $1,000 and help us make safe and affordable housing a reality for a y oung widow and her two children. Details at

http://www.habitatuc.org/circleOf100.htm.

CHECK OUT OUR NEW 25 YEAR CELEBRATION VIDEO

https://www.youtube.com/watch?v=WOwcISYKT9A&feature=youtu.be and find out how y ou can help us continue to eliminate poverty housing, revitalize neighborhoods, and better the community for the next 25 years at http://www.habitatuc.org/25WaysToDonate.htm.

DONATE YOUR OLD CAR TO HELP YOUR COMMUNITY

It may be hard to part way s with y our car. Think of donating y our vehicle to Habitat for Humanity as giv ing it new purpose! Learn more: http://www.habitatuc.org/cars-for-homes.htm.

RECYCLE YOUR ALUMINUM

Recy cle the aluminum cans from y our Halloween parties and help families in need of safe and affordable housing in our community. Details and drop off

locations listed at http://www.habitatuc.org/recycle.htm.

HELP OUT WITH SMITH’S

Go grocery shopping and help provide safe and affordable housing for families in need in our community! Sign up for

Smith’s Community Rewards Program at http://www.smithscommunityrewards.com/, link y our account/card with Habitat for Humanity of Utah County (#48773) and then go shopping at y our local Smith’s Grocery Store. Smith’s will then provide a financial contribution to the local Habitat affiliate.

SAVE AND DONATE

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 http://www.habitatucdeals.info/. A portion of y our “fun” purchases will help Habitat further its housing mission in the community.

KEEP YOUR FAMILY SAFE FROM RADON

Test y our home for radon today! Test kits are available at the Habitat ReStores in Orem and Spanish Fork for only $6.00 (includes lab fee). More information about radon, look online at http://www.habitatuc.org/radon.htm.

Oct-16 Pg. 2

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Oct-16

Fall Home Maintenance

(From http://www.bobvila.com/) Use this handy home maintenance checklist to keep y our house—and property—in peak condition this winter.

Time to get y our house in shape for the cooler months ahead. Although autumn can be one of the busiest seasons for homeowners preparing for winter, it’s also the best time to take advantage of the moderate weather to repair any damages before the first frost sets in. Here are some home maintenance ideas that will keep y our home running in peak condition all winter long.

EXTERIOR MAINTENANCE

Check foundation for cracks and caulk around the areas where masonry meets siding, where pipes or wires

enter the house, and around the windows and door frames to prevent heat from escaping. “Caulking and sealing openings is one of the least ex pensive maintenance jobs,” says Michael Hy deck, Hy deck Design Build, Inc., Telford, PA, and National President, National Association of the Remodeling Industry (NARI). “Openings in the structure can cause water to get in and freeze, resulting in cracks and mold build up,” he says. “Regardless of whether y ou live in a cold or warm climate, winter can bring very harsh conditions resulting in water or ice

damage. A careful check of the outside structure combined with inexpensive maintenance can save you money in the long run.”

Install storm windows and doors and remove screens. Before storing, clean and repair screens, spray with a protective coating and place in a dry area of the basement or garage.

Inspect exterior walls to see if any paint is peeling or blistering on th e house or outbuildings. According to Carl

Minchew, Director, Benjamin Paints, “Peeling paint is a sign that the existing paint film is failing and can no longer protect the siding of the building. Left uncorrected, the siding itself will deteriorate, leading to expensive repairs in the future.”

Make sure the roof is in good shape. Inspect for missing and loose shingles. “Ice, rain, snow and wind combined with rapidly changing temperatures and humidity wreak havoc on roofs,” says Jay Butch, Director, Contractor

programs for CertainTeed Roofing. “Your roof is y our first defense in protecting y our home. Without it functioning properly, water damage can occur. This causes deterioration to insulation, wood and drywall, making electrical, plumbing and HVAC sy stems vulnerable. It’s better to proactively deal with repairs in the fall than to discover a leaky roof during a snowstorm. For safety’s sake, have a licensed, certified roofing professional check the condition of y our roof.”

After leaves have fallen, clean out the gutters and downspouts, flush them with water, inspect joints, and

tighten brackets if necessary. Clogged gutters are one of the major causes of ice dams. Replace old or damaged gutters with new ones that have built-in leaf guards.

Examine y our pool cover for damage and replace if necessary.

Weather-strip y our garage door. Make sure the seal between y our garage door and the ground is tight to prevent

drafts and keep out small animals.

Inspect your driveway for cracks. Clean out and repair any damage with driveway filler, then coat with a commercial sealer.

INTERIOR MAINTENANCE

“Heating and cooling amount to 47% of the energy costs in y our home. Proper sealing and insulation can save up to 20% on heating and cooling costs, or up to 10% on y our total annual energy bill,” says Katie Cody,

spokeswoman for Lowe’s. “Air leaks from windows and doors are easy to find by moving y our hand around the frame. Applying weather stripping and caulk to these areas will help cut down on drafts.”

Have y our heating sy stem checked by a licensed heating contractor. Heating sy stems will use fuel more efficiently, last longer and have fewer problems if properly serviced.

Get y our woodstove and fireplace in working order. Gary Webster, Creative Director of Trav is Industries,

suggests that y ou examine y our wood stove or fireplace insert’s door gasket for a tight seal. Also clean and inspect the glass door for cracks and have the chimney cleaned by a licensed chimney sweep. “A clogged chimney poses the risk of a chimney fire, which can be ignited by burning creosote—a combination of wood tar, organic vapors and moisture buildup,” say s Webster.

Change the direction of y our ceiling fan to create an upward draft that redistributes warm air from the ceiling.

Test and change the batteries in y our smoke and carbon dioxide detectors and keep extra household batteries on hand. Check basement windows for drafts, loose frames or cracked pane s.

Vacuum internal parts of air conditioners. Remove units from windows or wrap outside box with an approved tarp or plastic air conditioner cover in order to prevent rusting of v ital parts.

Oct-16 Pg. 3

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Oct-16

Clean y our humidifiers regularly during the heating season. Bacteria and spores can d evelop in a dirty water tank resulting in unclean moisture misting out into y our room.

Fall Outdoor Maintenance

YARD AND GARDEN MAINTENANCE

Organize y our garage. Clean and store summer garden tools.

Clear leaves from lawn, reseed patchy areas, and plant spring flowering bulbs. If deer are a problem, start deer-proofing by covering plants with netting and chicken wire.

Prepare y our yard equipment for storage. This includes draining fuel from all gas -operated equipment such as lawn mowers, leaf blowers, and chain saws.

Check to see that all of y our snow equipment is up and running before the first flurry falls. Organize y our snow clearing gear. When snow arrives y ou’ll want to have shovels, roof rakes and snow blowers where you can get to

them. “Be careful where y ou store equipment,” says Travis Poore, The Lawn Ranger, a Home Depot Community Expert. “An outbuilding may not be as well insulated as a garage incorporated into a house. Equipment that is stored out in the elements, exposed to heat and cold extremes, can develop problems when the gasoline can no longer vaporize and flow into the combustion chamber of the engi ne.”

Drain garden hoses and store them inside. Also shut off outdoor water valves in cold weather. Any water left in

exterior pipes and faucets can freeze and expand breaking the pipes.

Inspect and fill bird feeders. Keep in mind that once y ou start feeding birds you should continue on a regular basis throughout the winter months.

Fertilize the lawn with a high phosphorous mix to ensure healthy grass in the spring.

PORCH AND DECK

Check the supports, stairs, and railings on porches and decks. Make sure the handrails can support someone

slipping on snow or ice.

Clean porch and deck furniture, and look for any needed repairs. Cover and store outdoor furniture a nd barbecues in a protected area.

Make sure all soil is emptied from pots and planters. Dirt left in clay pots will freeze and cause the pots to crack

if left outside.

Learn

HOME MAINTENANCE CLASSES

HABITAT FOR HUMANITY

Check out Habitat & Community Action’s Free Home Maintenance Course. The n ext class will be Thursday, October 27 , 2016, at 6:30 p.m. The topics are Weatherization, Home decorating, and Fire safety. Classes begin at 6:30 p.m. and are held at the Habitat office at 340 South Orem Blvd., Orem.

HOME DEPOT Registration is necessary. Call store or register online. Look online for the September clinic schedules at http://homedepot.com/.

LOWE'S Y ou 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 schedules at http://www.lowes.com/.

CENTRAL UTAH GARDENS Check out their upcoming classes at http://www.centralutahgardens.org/classes_events_concerts.aspx?type=classes.

HOME BUYER EDUCATION

Community Action Services offers Home Buy er Education Classes on a mont hly basis. Classes in October will be held October 5 th and 6th from 6:00 p.m. to 9:00 p.m. To register, please call (801) 691-5200 or go online to

http://www.communityactionuc.org/.

Oct-16 Pg. 4

Eat, drink, and be SCARY!

~ Unknown

Page 5: October newsletter2016

Oct-16

Help Out

VOLUNTEERS SOUGHT TO SERVE ON COMMITTEES

Volunteers are needed to serve on all of Habitat’s local committees. Monthly or quarterly meetings, limited time

commitment, no experience necessary, varying interests and skills needed. For more information, contact LeAnn Hillam at (801) 368-2250 or [email protected].

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 at the Habitat office in Orem on October 22, 2016. For information, contact LeAnn at the number or email below.

For more information, look online at www.habitatuc.org or contact LeAnn at (801) 368-2250 or [email protected]. Y ou can also sign up online at http://www.habitatuc.org/volunteer.htm.

MORE VOLUNTEERING OPPORTUNITIES

October is the month of volunteering! Check out these ways to help out in y our community throughout the month and season.

BYU HOMECOMING PARADE – OCT 15TH

Walk in BY U’s Homecoming Parade on Oct. 15 th.

WRAP GIFTS AT THE PROVO TOWNE CENTRE – DEC 17TH THROUGH DEC 24TH

Look for the It’s A Gift Wrapping Booth at the Provo Town Centre to help out.

OREM AND SPANISH FORK RESTORES – ANY DAY!

The Orem and Spanish Fork ReStores are in need of volunteers to help receive and process donations, as well as help with cleaning, straightening and organizing of the stores. Volunteers must commit to working at least two hours and wear closed-toe shoes and long pants.

Both Retores are open Tuesday-Saturday from 10am-6pm. You may sign-up online

at http://www.habitatuc.org/volunteer.htm or call LeAnn at 801-344-8527 x105 to set up a shift or two. Groups of up

to 10 are also needed, as well. Please call LeAnn if y ou would like to schedule a group at the ReStore.

BUILD WITH HABITAT

If y ou are interested in building with Habitat, please register as a volunteer

at http://www.habitatuc.org/volunteer.htm and then check the calendar for available shifts. Call LeAnn at 801-344-

8527 x105 if y ou have questions about registering, specific shifts, or group builds.

For more information, look online at http://www.habitatuc.org/ or contact LeAnn at (801) 368-2250 or

[email protected]. Y ou can also sign up online at http://www.habitatuc.org/volunteer.htm.

Why We Build

We build to open doors to new opportunities.

Oct-16 Pg. 5

“Tis the night -

the night of the grave’s delight…”

~ Arthur Cleveland Coxe

Page 6: October newsletter2016

Oct-16

Photos September was jammed packed for Habitat for Humanity of Utah County! A crazy busy but an amazing month of service,

building, and celebration! Habitat Construction and Neighborhood Revitalization Staff Members spent a week helping to build the All Together Play ground in Orem City Center Park. (Left)

Habitat homeowners and partner families joined staff members of Kenny Seng Construction to promote Habitat at Pay son Onion Day s Parade on Labor Day . (Right)

Habitat kick-offed our 25 Y ear Celebration Home Builders Blitz Home in Provo with the Morgan Family and EDGE Homes. (Below Right)

Habitat cut the ribbon on the Blitz Build home with the Morgan Family , which EDGE Homes completed in just eight days. (Above Left and Below Left)

Habitat celebrated our 25 th Birthday serving Utah County with a huge birthday celebration and introduced our new 25 Y ear Celebration Video. (Above Right)

Oct-16 Pg. 6

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Oct-16

7 Steps for A Healthy Fall Give y our health a boost this fall with eight tips so simple y ou'll hardly know they're healthy.

As the days get shorter and the temperatures drop, change is in the air. That's what makes fall a great time for renewal and fresh starts. It's time to fine-tune your health by making one or two small changes that y ield big results.

WebMD asked experts in diet, fitness, vision (and more) for their top tip for healthy living this fall. Here's what they suggested:

LET BEANS BE A PART OF YOUR DIET

If y ou do one thing to improve y our diet this fall, eat 3 cups of beans each week. Besides being a comfort food, beans add flavor and texture to soups, chili, and casseroles. They're also a great salad topper.

Beans are rich in protein, iron, folic acid, fiber, and potassium. So pick a bean, any bean -- lima, black, garbanzo, pinto, or others -- and enjoy.

DEFUSE STRESS WITH FRIENDSHIP

Fall is a good time to come back together after the summer scattering of vacations and busy schedules -- a great time to relax with friends. Soothe away stress by making contact in person or by phone with someone you care about, someone y ou haven't talked to in a

while because life got in the way. The positive emotions will make you feel good, and when joy and stress meet up, the joy wins out.

BE TENDER WITH YOUR TEETH

If y ou do one thing to improve y our dental health this fall, turn over a new leaf by ditching habits that are hard on your teeth. That means no more chewing on ice or popcorn kernels. Ice is a crystal and tooth enamel is a crystal — when the two meet, one of them has to give. Sometimes it's the tooth. Popcorn kernels can break teeth or fillings too, and the hull, if lodged in

gum tissue, can irritate and cause bacteria buildup.

HAVE FUN WITH FITNESS

Improve y our fitness this fall: Try a less-conventional workout to spruce up your regimen. Break out of your fitness rut by taking a ballroom dance class or a mind-body workout such as yoga, Pilates, or Tai chi. You'll be energized and more likely to stick with it.

EYES NEED CHECKUPS TOO

If y ou do one thing to improve your vision, take a cue from kids, who often need back-to-school v ision exams. Schedule a checkup with y our eye doctor.

A comprehensive exam should include an evaluation of how clearly you see, how well y our eyes work together, and an assessment of y our overall eye health.

HEART HEALTH: KNOW YOUR NUMBERS

Give y our heart health a boost this fall, capitalize on the seasonal sense of renewal to focus on prevention.

That means scheduling an appointment with y our doctor to get y our blood pressure and cholesterol checked, and to see if y our blood glucose levels are healthy. Knowing your numbers will help y ou figure out y our personal risk for heart disease.

SYNCHRONIZE YOUR SLEEP

Manage the more demanding fall schedules by synchronizing y our internal sleep-wake clock to the outside environment.

In the morning, get outside within 5 minutes of getting up and expose yourself to bright light for 30 minutes. At night, avoid bright light within two to three hours of bedtime because it might delay your sleep onset. This will keep y ou alert in the morning and make y ou sleepy at bedtime.

It's time to renew y ourself! Try these eight easy health-boosting tips -- they 're sure to give y ou a fresh start this fall.

Oct-16 Pg. 7

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Oct-16

Saving Money on a Budget

(From http://www.rd.com/) Don't start the New Y ear short on cash. Sav ing money is not only possible, it's imperative that y ou save when your

discretionary dollars are limited. "When y our budget is tight, one random expense has a huge impact because it's harder to come up with the money," say s Kelsa Dickey , owner of Fiscal Fitness Phoenix in Arizona.

Finding a way to start sav ing money so that unexpected expenses aren't so devastating may not be easy. But shifting y our thought patterns can y ield long-term results.

"Being a 'saver' as opposed to a 'spender' is a mindset that may not be natural to most people," say s Aries Jimenez, financial life planner for San Diego Wealth Management. "However, it can be developed through practice." Here are 8 way s to save money when money is tight.

SHOP SMARTER

Stop buy ing things without shopping around for the best price, says Keith Klein, CFP professional and principal at Turning Pointe Wealth Management in Phoenix.

Make a commitment to comparison shop for essentials and look for coupons and sales online or in y our local newspaper. Then, buy the lowest-priced items.

Don't stop there. Take the difference of the amount you paid and the amount you would normally spend on the item and put that money into a sav ings account. Even if it's just a few dollars per shopping trip, those small sums will add up, Klein say s.

KEEP THE CHANGE

It seems old-fashioned, but take the loose change out of y our pocket, your change purse or your car tray, and save it in a jar. Look for way s to add more money to y our jar. For instance, every time y ou w ithdraw cash from the ATM, put 10% of what y ou withdraw into your cookie jar savings, Klein say s.

Every month or quarter, count the money you've accumulated in y our jar and add it to y our savings account, Klein say s.

PAY YOURSELF FIRST

If y our strategy is to wait until everything else is paid and save whatever is left over, reconsider your process, Jimenez say s. "It is much better to pay yourself first by creating a sav ings goal each month, then paying fixed expenses and budgeting the rest for variable spending," he say s.

Consider putting most of y our paycheck into y our savings account and making a recurring weekly transfer to cover necessary expenses. "This helps y ou keep on track. Then make a decision each week on where any excess should go: to remain in the account to cover any upcoming expenses or to be dedicated as extra savings," Jimenez say s.

SAVE WITH PURPOSE

It may be difficult to put money back simply for general savings, so it's important to have a clear reason for y our sav ings.

"The purpose may be to have emergency funds, to have a vacation fund or a variety of other reasons," San Diego Wealth Management's Jimenez say s. "But without knowing that 'why ,' it is very easy to neglect or dip back into that fund for other purposes." Dickey of Fiscal Fitness Phoenix recommends opening several different savings accounts, each with a clear purpose.

Y ou might have a car repair fund, a clothing fund and a vacation fund. "Put what little y ou have left into each one whenever possible," Dickey say s, even if it's just $25 in each. "Saving with a purpose is crucial. Remind y ourself that if y ou're saving money, y ou're doing something right, so even if the amount is small, it's still better than nothing."

MAKE IT AUTOMATIC

It's much easier to save when y ou don't have to rely on y ourself to transfer funds into y our savings account. Klein

recommends having your employer divide your automatic paycheck deposit into a checking account and a sav ings account. "Most automatic deposit systems accommodate multiple accounts, so a ll y ou need to do is decide how much to put into sav ings each check, and y ou will never even see that money coming out," he say s. "Even div iding it 3 way s enables y ou

to direct money to y our bill-pay checking account, an amount for short-term savings and 1 0% to 20% into longer-term sav ings. "If y ou're self-employed, schedule automatic transfers from your main checking account to your purpose -based sav ings accounts on a recurring basis, Jimenez says.

Oct-16 Pg. 8

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Oct-16

Continue to Save

STOP USING CREDIT CARDS

"If y ou don't have any money to save at the end of the month, y ou shouldn't be putting more onto credit cards," say s

Bob Gavlak, CFP professional and wealth adviser at Strategic Wealth Partners in Cleveland. "The 1st goal should be to pay them down and get rid of them so that y ou can start to work from a cash basis as opposed to a debt basis." Rather than using a credit card to fund liv ing expenses that are outside of y our income, cut out nonessentials and focus on eliminating y our use of credit cards. If y our extra cash each month is spent on making credit card payments, y ou'll

never be able to save and get closer to y our financial goals.

CREATE A BUDGET

While setting a budget can be tough, it's the best way to become a disciplined saver, Gavlak say s. Start by determining y our fixed expenses, and then look at y our needs for other expenses -- food, gas, clothing, entertainment, etc. Determine a number for weekly expenses and challenge y ourself to stay within that budget. Gavlak recommends setting a specific amount, such as $100 a week, and taking that out of the bank in cash at the

beginning of the week. "Only use that money for the week and try not to allow yourself to dip into any thing else," he say s. "Then, try to go down to $90 or $80 per week to see what y ou really need." Once y ou've grown accustomed to living on y our budget, you'll open up more money for saving toward various goals.

STAY COMMITTED

Klein of Turning Pointe Wealth Management recommends that most people work t oward saving 20% of their earnings each y ear. But that's not easy to do.

"I have found that when people commit to this savings level, often some reason will come up in the first few months that will discourage the sav ing," Klein say s. "May be the kids need braces, a tree falls on the house or the car gets a dent."

If that person works through the crisis and continues on the savings track, they're more prepared to deal with future crises that may arise. Eventually, they begin to think of other ways to deal wi th it, rather than dipping into the savings, he say s. After a y ear of forcing y ourself to save and receiving the self-esteem that comes with it, most people will be committed

to the lifesty le of sav ing and often will find way s to save even more, Klein says .

Resources

Habitat families who are struggling to put food on the table can contact Kena at the Habitat office. She can provide emergency food vouchers for families to receive short term food boxes from Community Action. Call her at (801) 344-8527 x 103 for further details.

Oct-16 Pg. 9

Shadows of a thousand years rise again,

Unseen,

Voices whisper in the trees,

“Tonight is Halloween!”

~ Dexter Kozen

Page 10: October newsletter2016

Oct-16

7 Trick-or-Treating Safety Tips

For y oung children, Halloween night is one of the best of the y ear. But trick-or-treating can be dangerous if kids and parents aren’t careful. Take a look at some v ital trick-or-treating tips before you accompany y our child.

PLAN A ROUTE IN ADVANCE

Trick-or-treating could take you several streets away from y our house, which can cause sore legs and a bit of frustration. Avoid long paths by mapping out a route before leaving the house. Stick to paths that you and y our child are familiar with to av oid getting lost.

WEAR COMFY SHOES

Make sure y ou and y our children are in comfortable, well-fitting shoes. Girls in dresses should avoid heels, and all shoelaces should be double-tied to avoid tripping in the dark.

STAY WELL-LIT

Apply reflective tape to your child’s costume to ensure they are seen by drivers on the road. Also, carry a flashlight with

y ou to keep y our child’s path lit at all times.

MAKE SURE ALL COSTUMES ARE SHORT

Long costumes that drag on the ground can be dangerous, especially at night. A fter purchasing your child’s costume, make sure it’s an appropriate length, and hem any thing that’s too long to avoid tripping.

AVOID MASKS

Masks can make it difficult for y our child to see or breathe. If possible, skip the mask altogether and use non -toxic make-up to complete the costume instead.

USE FLEXIBLE PROPS

Try to avoid costumes that have weapons as accessories. But if y our child’s costume won’t be complete without a weapon, make sure it is rubber or plastic. Choose a prop that won’t cause injury t o your child or their friends.

CHECK YOUR CHILD’S CANDY

When sorting through candy at the end of the night, be sure to throw away any candy that is not in its original wrapper, or looks as though it has been opened.

Toolbox of Hope: Our Sponsors

Oct-16 Pg. 10

Adonica Limon

Alice Gollwitzer Ancestry.com

Ancestry.com April Crossley

Art City Brass Aspen

Automated Rain BMC

Brad Simons Bray den Fausett

BY U Habitat for Humanity Chapter

BY U Y -Serve Candace Winmill

Caroly n Fields Central Bank

Christine ten Bosch

CN Lassiter Coleman

Columbia Forest Products Community Action Services and Food Bank

Costco – Orem Craig Conover

Creative Stream Dave Dominguez

Dave Edwards

Dave Gardner EDGE Design Team

EDGE Homes Eileen Reilly

Erdmann Federicos

First Colony Mortgage Flora Aleman

Page 11: October newsletter2016

Oct-16

Toolbox of Hope: Our Sponsors

Oct-16 Pg. 11

Focus Engineering

Food and Care Coalition

Galaxie Lighting Gandolfos

Gordy Jones Grey Gundersen

Habitat Board Members Habitat Construction Staff

Habitat for Humanity International Habitat Neighborhood Revitalization Staff

Habitat ReStore Committee

Hansen Hardware Essentials

Home Depot – Provo Inside Sales.com

International Installation Jared Gillette

Jared Gleue Jason Clark

JBL Construction JDawgs

Johnny and Diane McCoy

Jonelle Boulter Karen McCandless

Kellie Little Ken and Dana Mathews

Kendall Brandon Kenny and Lena Seng

Kenny Seng Construction Kim Harter

Leathers and Associates

Lowe’s – Orem Marily n Tiffany

Mary Kae Blair MASCO Corporation

May or John Curtis Merilee Bishop

Miriam Boatright Mountain West Burrito

Mr. Carpet Nate Maughan

Olive Garden

Orem City Paige Holland

Panasonic Ventilation

Parrish PC Plumbing

Peter Van Hook

Petersen Paint Ply Gem

Precision FInish President Matt Holland

Progressive Power Provo Abstract Title

Provo City Provo City

Provo City Community Development Provo Land Title

Quality Craft

Raingutter Specialities Ray Butcher

RC Willey Rocky Mountain Power Foundation

Roy al Sky lake

SLAB Pizza Spencer Harvey

Stella Welsh

Stonehenge Sunroc

Tami Harris Tara Riddle

TD Ameritrade Texas Roadhouse

The Daily Herald The Gundersen Family

The Morgan Family The Tiffany Family

The Walton Group

Timpanogas Extreme Adventure Moms United Way of Utah County

US LBM Foundation Utah Valley Consortium

Val Hale Vicki Horton

Wilkinson Trophy WPA Architecture

Page 12: October newsletter2016

Oct-16

Events

October Calendar

Sunday Monday T uesday Wednesday T hursday Friday Saturday

1

2 3 World Habitat Day

4 World Habitat Day Sale 1 0:00 AM Orem and Spanish Fork ReStores Building Committee 2:00 PM Central Bank

5 Home Buyer Education 6:00 PM Community Action

6 Site Selection Noon Orem Office Home Buyer Education 6:00 PM Community Action

7

8 Shop Extravaganza 1 0 AM Outlets at Traverse Mountain

9 1 0

1 1 Giv e Salt Lake

1 2 Giv e Salt Lake Neighborhood Rev italization 4:00 PM Orem Office

1 3

1 4 1 5 Make a Difference Day Play ground RC 1 :00 PM Orem City Center Park

16 1 7 1 8 1 9

20 ReStore 7 :30 AM Family Partnership 6:30 PM Orem Office

21 22

23 24 25 Dev elopment Services Noon Orem Office 25% off Sale 1 0:00 AM Orem and Spanish Fork ReStores

26 Volunteer 5:00 PM Orem Office

27 Board 8:00 AM Orem Office Home Maintenance 6:30 PM Orem Office

28 29

31 31 Halloween!

Oct-16 Pg. 12