May 2013 hammer time

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Hammer Time Benefits of Homeownership From a dollars and cents viewpoint, owning your own home makes good sense. When tax time rolls around, you have the benefit of deducting the interest paid on the mortgage throughout the year. Probably the biggest advantage, though, is the fact that the principal you pay on the mortgage is like putting money in the bank, in the form of equity. HABBITAT FOR HUMANITY OF UTAH COUNTY News Pikus Pace, Habitat for Humanity and Lowe’s team up for National Women Build Week Women volunteers will raise their hammers at Habitat for Hu- manity construction sites across the country in recognition of National Women Build Week, May 4 -12. Now in its sixth year, National Women Build Week, sponsored by Lowe’s, chal- lenges women to devote at least one day to help build afford- able housing in their local communities. Habitat for Humanity of Utah County is participating in its sixth National Women Build Week and will be building with local women from May 4, 2013 through May 10, 2103. Women throughout the community will be helping to put up siding and hang drywall at a home currently being built with the Artanduaga family at 1042 North 950 West, Provo. The cost for participation will be $20.00 and includes an invitation to the kickoff breakfast, t-shirt, door prizes, and much more. Lowe’s and Ancestry.com are sponsoring the local event. World Cup Champion and Olympic Skeleton Racer, Noelle Pikus Pace, will join community women during the week to build on the Artanduaga home; starting with a kickoff breakfast on May 4 th at the site at 9:00 a.m. Pikus Pace gradu- ated from Mountain View High School in 2001. In high school she competed in soccer, basketball, softball, track and field, bobsled and also skeleton. She then went on to run track and field at Utah Valley University and graduated in 2005 1st team All-American with a bachelor Degree in Community Health. During that time she also broke the UVU high jump record and was the NJCAA National Discus Champion. She became the first woman to ever win the Overall World Cup Title in skeleton that same year. She was favored to win the Gold Medal going into the 2006 Winter Olym- pics. At the U.S. Olympic trials in October of 2005 an unfortunate accident kept her from competing at the Olympic Games. A bobsled unexpectedly came out of the track and hit her. She sustained a compound fracture to her lower right leg and because of this injury she was unable to compete in the Olympics. The following year, she came back to win the World Championships by the largest margin the history of the sport. She continued on with her education and received a Masters degree in Business Administration in 2007. In 2008 Noelle decided to take a year off from competi- tion and she and her husband Janson had a little girl, Lacee Lynne Pace. During this time, she started her own hat business, SnowFire Hats, and continued to compete the following year. Noelle competed in the 2010 Winter Olympics, on a sled that her husband built, and was the top U.S finisher, finishing 4 th , just one-tenth of a second out of the med- als. She retired after the Olympics to spend more time with her family and Noelle and Janson had a baby boy named Traycen in 2011. The summer of 2012, Noelle and Janson decided that she would give it one last try to earn an Olympic Medal, but only if their family could all travel together. They raised enough money last season to make it happen and Noelle had her best results ever, including a Gold Medal on the 2014 Olympic Track in So- chi, Russia. They are now looking forward to making it happen again this coming season. National Women Build Week is held the week leading up to Mother’s Day because of its significance to Habitat home- owners and volunteers. Families with children make up a staggering number of those in need of adequate housing. The U.S. Census Bureau reports more than 16 million children are living in poverty in the United States. Nearly 48 percent of the children reside with women heads-of-household. Habitat’s Women Build program recruits, educates and inspires women to build and advocate for simple, decent and affordable homes in their communities. Since Habitat’s Women Build Program was created in 1998, more than 2,100 Habitat for Humanity Women Build houses have been constructed in partnership with low-income families. Nearly 41,000 women from all 50 states have volunteered in the five previous events. Registration and further details can be found online at www.habitatuc.org/events/womenbuild2013.html or by contact- ing LeAnn Hillam at (801) 368-2250 or [email protected] . May 2013

Transcript of May 2013 hammer time

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Benefits of Homeownership From a dollars and cents viewpoint, owning your own home makes good sense. When tax time rolls around, you have the benefit of deducting the interest paid on the mortgage throughout the year. Probably the biggest advantage, though, is the fact that the principal you pay on the mortgage is like putting money in the bank, in the form of equity.

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News Pikus Pace, Habitat for Humanity and Lowe’s team up for National Women Build Week Women volunteers will raise their hammers at Habitat for Hu-manity construction sites across the country in recognition of National Women Build Week, May 4 -12. Now in its sixth year, National Women Build Week, sponsored by Lowe’s, chal-lenges women to devote at least one day to help build afford-able housing in their local communities. Habitat for Humanity of Utah County is participating in its sixth National Women Build Week and will be building with local women from May 4, 2013 through May 10, 2103. Women throughout the community will be helping to put up siding and hang drywall at a home currently being built with the Artanduaga family at 1042 North 950 West, Provo. The cost for participation will be $20.00 and includes an invitation to the kickoff breakfast, t-shirt, door prizes, and much more. Lowe’s and Ancestry.com are sponsoring the local event. World Cup Champion and Olympic Skeleton Racer, Noelle Pikus Pace, will join community women during the week to build on the Artanduaga home; starting with a kickoff breakfast on May 4th at the site at 9:00 a.m. Pikus Pace gradu-ated from Mountain View High School in 2001. In high school she competed in soccer, basketball, softball, track and field, bobsled and also skeleton. She then went on to run track and field at Utah Valley University and graduated in 2005 1st team All-American with a bachelor Degree in Community Health. During that time she also broke the UVU high jump record and was the NJCAA National Discus Champion. She became the first woman to ever win the Overall World Cup Title in skeleton that same year. She was favored to win the Gold Medal going into the 2006 Winter Olym-pics. At the U.S. Olympic trials in October of 2005 an unfortunate accident kept her from competing at the Olympic Games. A bobsled unexpectedly came out of the track and hit her. She sustained a compound fracture to her lower right leg and because of this injury she was unable to compete in the Olympics. The following year, she came back to win the World Championships by the largest margin the history of the sport. She continued on with her education and received a Masters degree in Business Administration in 2007. In 2008 Noelle decided to take a year off from competi-tion and she and her husband Janson had a little girl, Lacee Lynne Pace. During this time, she started her own hat business, SnowFire Hats, and continued to compete the following year. Noelle competed in the 2010 Winter Olympics, on a sled that her husband built, and was the top U.S finisher, finishing 4th, just one-tenth of a second out of the med-

als. She retired after the Olympics to spend more time with her family and Noelle and Janson had a baby boy named Traycen in 2011. The summer of 2012, Noelle and Janson decided that she would give it one last try to earn an Olympic Medal, but only if their family could all travel together. They raised enough money last season to make it happen and Noelle had her best results ever, including a Gold Medal on the 2014 Olympic Track in So-chi, Russia. They are now looking forward to making it happen again this coming season.

National Women Build Week is held the week leading up to Mother’s Day because of its significance to Habitat home-owners and volunteers. Families with children make up a staggering number of those in need of adequate housing. The U.S. Census Bureau reports more than 16 million children are living in poverty in the United States. Nearly 48 percent of the children reside with women heads-of-household. Habitat’s Women Build program recruits, educates and inspires women to build and advocate for simple, decent and affordable homes in their communities. Since Habitat’s Women Build Program was created in 1998, more than 2,100 Habitat for Humanity Women Build houses have been constructed in partnership with low-income families. Nearly 41,000 women from all 50 states have volunteered in the five previous events. Registration and further details can be found online at www.habitatuc.org/events/womenbuild2013.html or by contact-ing LeAnn Hillam at (801) 368-2250 or [email protected].

May 2013

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2 What’s Up • Get your windows cleaned and help Habitat! Contact Earl Daly at Clearview Window Cleaning at (801) 373-2344 before the

end of May. Tell him you opted into the Habitat for Humanity of Utah County’s new txt.Cloud texting platform (text UCHabitat to CLOUD). He will then give you a $20.00 discount on window cleaning services and will donate $20.00 to the local Habitat affili-ate.

• Pride in Ownership – Craig and Carolyn Fields were selected this quarter’s Pride in Ownership award winner for beautifying and maintaining their home at 690 North 550 East, Orem. For their dedicated efforts, they received a certificate and a gift card to Lowe’s. Congratulations!

• Getting Ahead to Graduate! Three new graduates from the “Getting Ahead in a Just-Getting’-By World” program will be hon-ored at a graduation ceremony on May 21st at the Provo Seventh Day Adventist Church. Graduates include local partner fami-lies, Adonica Limon, Tiffany Eden, and Zoe Lang. This is the first time the local Habitat for Humanity affiliate has partnered with the Utah Valley Circles Initiative to provide the Getting Ahead course for its families. We hope to continue this partnership in the future.

• Double Shopping! Check out the Orem and new Spanish Fork ReStore Home Improvement Outlets and save BIG on new and used building material, appliances, and furniture! Both stores are open Monday through Saturday from 10-6. Store locations and directions can be found at www.habitatuc.org/donate/restore/.

• Donating a car, truck or other vehicle to Habitat for Humanity raises funds for affordable house building right in your commu-nity! Details at www.habitatuc.org/habitat_car_donations.html.

• Join Habitat for Humanity of Utah County as we support the annual National Day of Prayer Service on the evening of May 2, 2013 at 7:00 p.m. at Heritage School in Provo. Information at www.utahvalleyinterfaith.org.

• Every day is Earth Day! Recycle aluminum cans, scrap metal, paper, newspaper, cardboard, paint, building materials, appli-ances, and furniture with Habitat for Humanity of Utah County! Help protect our environment by "going green" and helping fami-lies in need in the community! Details and drop off locations 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 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 ra-don. Radon is the second leading cause of lung cancer, causing an estimated 22,000 deaths of year in the United States. Habi-tat 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 spring cleaning 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 Habi-tat 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.

• 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 [email protected].

Save the Date! The annual Tour de Habitat Lakes to Peaks charity bike ride will be June 8th. Details and registration are available on the new event website at www.tourdehabitat.com.

HABI-PAINT! The Habitat for Humanity ReStore col-lected all the useable paint brought by local commu-nity members to Utah County's annual Household Hazardous Waste Collection event at the Provo Towne Centre. Paint will be mixed, put into five gallon buckets, and sold for $30.00 each in the local Habitat ReStores with proceeds going towards Habitat's local affordable housing mission.

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3 Photo Gallery

TEAMING UP FOR AFFORDABLE HOUSING! - Employees from Wells Fargo Bank "teamed up" this past Thursday to present Habitat for Humanity of Utah County with $15,000 check and work on the Artanduaga Habitat home.

Donated funds will be used to finish the five bedroom home currently being built at 1042 North 950 West, Provo. Bank employees finished the roof, wrapped the house, and put up siding on the home during the volunteer build day.

On a Roll! Winning Streak Continues! For the fourth time in two years, Habitat's Wolverine PR Project was selected the best project/booth at UVU's Wolverine PR Trade show. PR students, Hayden Baird and Ashley Wyckoff, did a wonder-ful job highlighting their efforts with Habitat’s "Take a Lid Off" Poverty Housing Fundraising Breakfast at the student showcase.

LOCAL HABITAT RESTORE CELEBRATES SIXTH ANNIVERSARY - The Habitat for Human-ity of Utah County’s ReStore Home Improvement Outlet celebrated its sixth anniversary with a cake cutting celebration and an Earth Day sale this past Saturday.

Building Your Team! Employees from Ancestry.com and NuSkin International volunteered their time this past month at the Artanduaga Habitat home in Provo. Company volunteers helped with roofing, framing, and landscaping.

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4 Photo Gallery CONSTRUCTION 101 - Women Build volunteers, Habitat staff members and Lowe's employees learned how to use power tools, put up siding, and hang drywall at a how-to clinic sponsored by the Orem's Lowe's Store this past Sat-urday. Participants are preparing for Habitat of Humanity of Utah County's upcoming National Women Build Week starting this Saturday, May 4th. .

HABITAT, REDEMTECH PARTNERSHIP PROVIDES REFURBISHED COMPUTERS TO LOCAL FAMILIES - Habitat for Humanity of International is partnering with Redemtech, a world leader in refurbishing large volumes of PCs from businesses, to provide com-puters to Habitat partner families in selected areas. Locally, ten Habitat families received desktop computers this past month following a required training class held at the Orem Habitat office.

TAKING THE “LID OFF” POVERTY HOUSING! - Over 175 community members attended Habitat's "Christmas in April" Fundraising Breakfast with New York Times best-selling author of the Christmas Jars, Jason F. Wright, on April 12, 2013 at the Riverside Country Club. This year's event, sponsored by American West Bank, raised over $16,000 for Habitat's local affordable housing mission.

HABITAT OPENS NEW RESTORE IN SPANISH FORK - Habitat for Hu-manity of Utah County cut the ribbon on and opened a second Utah County ReStore Home Improvement Outlet in Spanish Fork on April 25th. The new donation driven retail store, located at 253 West Arrowhead Trail, will sell new and used building materials, appliances, and furniture at a discount to the public to help raise money to further the local Habitat’s affordable housing mission.

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5 Volunteer Opportunities

MAY VOLUNTEER OPPORTUNITIES

• Man Booth at Community Action’s 5K Run on May 25th

• Walk in Community Parades starting in June

• Work in the ReStore Monday through Saturday from 10-6

• Assist with Habitat Recycling efforts.

MAY BUILD DAYS—Volunteers are currently being sought to help with construction, renovation, revitalization, and landscaping projects. Build days are held Tuesdays, Wednesdays, Thursdays and Saturdays. Volunteers are needed especially during weekdays. Sign up online at www.habitatuc.org/volunteer.

VOLUNTEERS SOUGHT TO SERVE ON COMMITTEES Volunteers are needed to serve on all of Habitat’s local commit-tees. Monthly meetings, limited time commitment, no experience necessary, varying interests and skills. Look online at www.habitatuc.org/volunteer/committees.html for more information and meeting times.

CREW LEADERS AND SITE HOSTS NEEDED TO HELP GUIDE CONSTRUCTION Volunteers with construction experience or those wanting to im-prove 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, May 18, 2013, at the Habitat office in Orem. 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]. 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 Wednesday, May 29, 2013. The topics are: Interior Painting and Interior Wall Repair, and Leaky Roof Repair. 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 May 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 May 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

Home Maintenance Tips (tlc.howstuffworks.com) How to Prepare Soil for Planting

Good soil is the first step to a great garden. The loose, dark earth of the fabulous gardens seen on television and in magazines doesn't usually just happen, however. It is created by gardeners improving their native soils. Soil types vary from the extremes of constantly dry, nutrient-poor sand to 90 percent rocks held together with 10 percent soil to rich, heavy clay (which forms a slick, sticky, shoe-grabbing mass when wet, then dries to brick hardness). Fortunately, most soil conditions fall some-where in between these extremes. Still, very few homeowners find they have that ideal "rich garden loam" to work with. Soils can be amended with sand to make them looser and drier or with clay to make them moister and firmer. They can be given plentiful doses of organic material -- old leaves, ground-up twigs, rotted livestock manure, and old lawn clippings -- to improve texture and struc-ture. Organic matter nourishes any kind of soil, which, in turn, encourages better plant growth. Learn how to make the most out of the soil in your area by reading the tips that follow. The first step is to identify your garden conditions by having your soil tested.

Congratulations to the Habitat ReStore

for being named one of the 2013 Best Recycling

Centers in Utah Valley.

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6 Soil Testing Have your soil tested or do your own tests to determine if you have a light and sandy soil, a moderate and productive soil, or a heavy clay soil. Get a soil test before you start adding fertilizers and amendments to your garden soil. This follows the old advice, "If it ain't broke, don't fix it." Sometimes unnecessary tampering with nutrients or soil acidity can actually create more problems than benefits. Soil tests tell you the nutrient levels in your soil, a plant version of the nutrient guides on packaged foods. They also note pH and organic content, two factors important to overall smooth sailing from the ground up. To have your soil tested, call your local Cooperative Extension Service, often listed under state or county government in the phone book. Ask them how to get a soil-testing kit, which contains a soil-collecting bag and instructions. Follow the directions precisely for accurate results. The results may come as a chart full of numbers, which can be a little intimidating at first. But if you look carefully for the following, you can begin to interpret these numbers: • If the percentage of organic matter is under 5 percent, the garden needs some extra compost. • Nutrients will be listed separately, possibly in parts per million. Sometimes they are also rated as available in high, medium, or low lev-

els. If an element or two comes in on the low side, you'll want to add a fertilizer that replaces what's lacking. • Soil pH refers to the acidity of the soil. Ratings below 7 are acidic soils. From 6 to 7 are slightly acidic, the most fertile pH range. Above

7 is alkaline or basic soil, which can become problematic above pH 8. Excessively acidic and alkaline soils can be treated to make them more moderate and productive.

Add only the nutrients your soil test says are necessary. More is not always better when it comes to plant nutrients. Don't feel compelled to add a little bit more of a fertilizer that promises great results. Too much of any one nutrient can actually produce toxic results, akin to disease or worse. Buy and apply only what's required, and save the rest of your money for a better use, like more plants. Determining pH Levels It is always best to choose plants that thrive in the pH of your existing soil. If you must alter the pH, follow the guidelines below. • Use ground limestone to raise the pH of acidic soils. Limestone is nature's soil sweetener, capable of neutralizing overly acidic soils. It's

best to add limestone in the fall to allow time for it to begin to dissolve and do its job. The amount of limestone you use will vary depend-ing on the specific soil conditions. Simple home test kits, or a professional test, can be used to determine the soil's pH. If you dump limestone on soil randomly, you run the risk of overdosing the soil. Follow the guidelines on the limestone package or on a soil test.

• To lower the alkalinity and increase the fertility of limey and other soils with very high pH, add cottonseed meal, sulfur, pine bark, com-post, or pine needles. These soil amendments gradually acidify the soil while improving its texture. Garden sulfur is a reliable cure when added as recommended in a soil test. It acidifies the soil slowly as microbes convert the sulfur to sulfuric acid and other compounds.

• Maintaining the new and improved pH is an ongoing project. Recheck the soil's pH every year and continue to add amendments as needed.

Texture Checkup Check the texture of your soil in a jar filled with water. This test is simple to do at home and provides important information about your soil. Gather some soil from the garden, choosing a sample from near the surface and down to a depth of 8 inches. If you have dry clay, pulverize it into fine granules, and mix well. Put a 1-inch layer (a little over a cup) in a quart glass jar with 1/4 teaspoon powdered dishwasher deter-gent. (Dishwasher detergent won't foam up.) Add enough water to fill the jar 2/3 full. Shake the jar for a minute, turning it upside down as needed to get all the soil off the bottom, then put the jar on a counter where it can sit undisturbed. One minute later, mark the level of settled particles on the jar with a crayon or wax pencil. This is sand. Five minutes later, mark the amount of silt that has settled out. Over the next hour or so, the clay will slowly settle out and allow you to take the final measurement. These meas-urements show the relative percentages of sand, silt, and clay -- the texture of your soil. • Soil that has a high percentage of sand (70 percent or more) tends to be well aerated, ready to plant earlier in spring. But it also tends to

need more frequent watering and fertilization than heavier soils. • Soil that has 35 percent or more clay retains moisture well, so it takes longer to dry in spring and may need less watering in summer. It

can be richer and is more likely to produce lush growth with just the addition of compost and, occasionally, a little fertilizer. The compost is important. It helps break up clay so the soil won't be too dense and poorly aerated.

• Soil that has nearly equal percentages of sand, silt, and clay can have intermediate characteristics and is generally well suited for good gardening.

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Be Careful

Testing Drainage Test your soil's drainage by digging a hole, filling it with water, and watching how quickly the water disappears. All the soil tests in the world won't do a better job than this simple project. It tells you how quickly moisture moves through the soil and whether the soil is likely to be excessively dry or very soggy -- neither of which is ideal. When it hasn't rained for a week or more and the soil is dry, dig several holes that are 1 foot deep and 2 feet wide. Fill them to the top with water and keep track of how long it takes for the holes to empty. Compare your findings to the following scale: • 1 to 12 minutes: The soil is sharply drained and likely to be dry. • 12 to 30 minutes: The soil has ideal drainage. • 30 minutes to 4 hours: Drainage is slow but adequate for plants that thrive in moist soil. • More than 4 hours: Drainage is poor and needs help. These soil tests may seem like a lot of work without much reward, but if your soil is working at its full capacity, your plants will bloom at their best as well.

Make Your House a Healthy Home & More Environmentally-Friendly Too! (EPA) Use mulch around trees and plants, and water gardens/lawns before 10:00 a.m. and after 6:00 p.m. to reduce evaporation.

HOUSEHOLD HINT (http://www.hints-n-tips.com How to REALLY Clean Out Your Closets - I was finding myself with overflowing closets and dressers, despite feeling like I was con-stantly cleaning them out, arranging them, and sending things off to charity. I finally realized that I was not being truthful with myself about what I could ever wear again, size-wise. We'd all like to think "I'll fit back into that one day." but it rarely happens. So this is what I did: 1) Picked a day 6 months out on my calendar - blocked it and circled in RED 2) Bought a huge roll of duct tape 3) Piled every last piece of clothing I owed on my bed. 4) Placed a LARGE piece of duct tape in either the crotch or the armpit of every last piece of clothing. 5) Sorted and put them away as usual 6) When THE BIG RED DATE hit, anything that hadn't been worn still had duct tape in it. And therefore, was relegated to the charity bin, without mercy. It was tough, and I really thought I'd feel bad and/or lose weight drastically shortly after and suddenly miss everything that I'd sent away. But the first few times I got done with laundry and had plenty of hangers for everything, or the first time I didn't have to move a large storage tub of clothes to get to something else, it was AWESOME!

Safety First – Protecting all your devices from online attacks Those that own a computer, Smartphone or tablet likely understand the importance of protecting their favorite digital device – and perhaps more important, the information that resides on it – but only a third of us are actually taking the proper precautions to do so. The following is a short list that should help you protect your devices, your information and your family.

• Back up your data • Use anti-malware programs, which includes anti-virus and anti spyware tools, and a two way firewall. • Be safe and sensible. Use strong passwords, download only trusted resources and do not leave de-

vices unattended. Do not be tempted to act on email or text message that ask you to reveal personal or financial information. Keep internet connected home computers in central areas. Do not give out address, phone number or other personal information.

(Costco TECHconnection)

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Savings Strategies

Resources

Tips for Saving Money on Utility Bills • Reevaluate your monthly bills • Consider the amount of energy you use at night • Change your lighting 365 Ways to Live Cheap – Keep Trying New Frugal Tactics

The number of effective ways to trim your spending is nearly unlimited. You can check out encyclopedic tomes of frugality tips from the li-brary or simply visit one of a thousand frugality blogs out there on the internet and collect more tips than you can possibly deal with. When you first dive into the whole idea of frugality, it’s pretty exciting. It’s so easy to find big lists of tips and many of them seem to apply to your life. You cut your spending at the grocery store. You cut your spending on food consumption. You cut your spending on entertainment. You cut your spending on utilities. You cut here, you cut there, you cut everywhere. At first, you grab the low-hanging fruit and you see savings everywhere. A grocery list and store flyer routine cuts your grocery bill by 30%. Eating at home saves you $30 a week, and using leftovers saves you about the same. You make your own household cleaners, take advan-tage of tax-free holidays, and use online automated shopping techniques. The savings are sizeable and plentiful. Before long, though, it gets harder. A lot harder. You’ve cleared all of the low-hanging fruit, which means you’re left with tactics that either don’t save you as much money or don’t apply to things you do as often. Not only that, the “newness” of frugality has worn off. That’s the very point where it becomes vital to keep trying new frugal tactics. For starters, it helps keep the idea fresh in your head. When you keep looking for ways to save money and you keep asking how your behav-iors are minimizing your spending, you continue making frugality a natural and normal part of your life. You are frugal when these thoughts are the norm and not the exception, and the only way you get there is through practice. Not only has that, trying new frugality techniques eventually led you to better ways of doing things. I’d happily spend an hour or two trying out a new tactic if it meant I would spend $0.50 less a month with no additional effort because in two years I will have saved more than enough money to make up for that time. Sometimes, I’ll stumble across techniques that cause a breakthrough of sorts, causing me to save quite a lot or see things from a new angle even for someone who must have seen tens of thousands of frugality tips by now. The practice of continually trying frugal tactics keeps my mind in the right place and continually leads me toward spending less on the normal routines in my life. It can also be a lot of fun (since I actually enjoy trying new ways of doing things). So, when you see yet another frugality list, don’t sigh and click away. Look through it and try to find a few new things to try. You might gain a little ground or find a new breakthrough, but in any case you’ll have fun approaching an ordinary thing in a new way.

(Costco Consumer Connection)

• Reevaluate your monthly bills • Consider the amount of energy you use at night • Change your lighting

Savings Tips

(The Simple Dollar)

Community Action Services offers Home Buyer Education Classes on a monthly basis. Classes in May will be held May 1 and May 2, 2013 from 6:00-9:00 p.m. or May 18, 2013 from 9:00-4:00 p.m. To register, please call (801) 691-5200 or go online to www.communityactionuc.org. Open enrollment for Primary Care Network (PCN) is effective April 22, 2013 through May 6, 2013 for all adults and continues through May 17, 2013 for all adults with dependents. Apply online at jobs.utah.gov or receive a paper application at any DWS office. For more informa-tion, look online at www.health.utah.gov/pcn/find.html. Looking for a new job? Be sure to visit jobs.utah.gov/jobseeker. There are new jobs posted daily.

Turning Point, the Center for Personal and Career Development, is a community resource for individuals wanting to improve on a per-sonal, educational and/or professional level. The Center is dedicated to quality services which increase the emotional, social and eco-nomic well-bearing of all participants. Participants can access numerous services to help complete education goals, build personal rela-tionships, master communication skills, learn job-seeking strategies, explore career options and enter the work force. Assistance with resumes and networking offered. Scholarships are available to all Habitat families. For more information, call (801) 863-7580 or look online at www.uvu.edu/turningpoint.

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9 BE GOOD TO YOUR HEALTH (Costco for Your Health) Tuning Up the Brain If you frequently lose your keys and forget where you parked your car, you may fear something more than a “senior moment.” That is unlikely. But memory lapses are a good reminder that brain health is important. There are many ways to protect your cognitive capabilities as you age. Reduce Risks

• Be proactive. Monitor your blood pressure, cholesterol, blood sugar and weight to make sure they’re within a healthy range. Diabetes is a major factor for Alzheimer’s disease.

Eat Smart • Try a Mediterranean meal plan. Monounsaturated oils – found in olives, nuts, and dark leafy greens offers high

doses of Vitamin E and folic acid, two nutrients that reduce the risk of dementia. • Restrict refined carbohydrates and sweeteners.

Train Your Brain • Learning new skills creates connections in the brain that counteract cognitive decline.

• Take up violin if you already play the piano • Learn to speak another language • If you’re a crossword puzzle pro, switch to Sudoku • Use your non-dominant hand to write or brush your teeth • Plan board games or computer/video games that activate strategic, spatial, and memory skills. • Dance. Intricate choreography fine-tunes the body and the brain.

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Jack Fontain Jason Wright Jeff Yates Johnny McCoy Josh Brading Kelly Butler Kevin Tippetts Kiley Hix LeAnn Hillam Len Wright Liesl Eyre Lou Ann and Jesse Chrisler Mark Ishii Matt and Lisa Kallunki McCoy's Flooring and Cabinets Mike Fullmer Mikeal Curtis Moises Baca Nancy Mickiewicz Orem Lowe’s Paul Livingston Pedro Powerhouse Electric Rebecca Raddon Rick McBride

Riverside Country Club Sara Benedict Sheri Libutti Solid Design Countertops Sound Vision Signs Spanish Fork 7th Ward Spanish Fork Chamber of Commerce Spanish Fork City Squire and Company Stan and Stella Welsh Susan Sorenson Todd Moulton Trent Patton US Synthetic Utah County Health Department Utah County Sheriff’s Office Work Diversion Crew Utah Valley Chamber of Commerce UVU ROTC Val Hale Value Pages Wells Fargo Bank Wolverine PR

Wells Fargo, McCoy’s Flooring & Cabinets AmericanWest Bank, Jason Wright

Site Selection May 2nd Noon Habitat Office National Day of Prayer May 2nd 7:00 p.m. Heritage School Women Build Breakfast May 4th 9:00 a.m. Artanduaga Home Women Build May 4th – May 10th Artanduaga Home Building Resources May 6th 3:15 p.m. Habitat Office Family Partnership May 9th 6:30 p.m. Habitat Office Executive Committee May 10th 7:30 a.m. Habitat Office Development Services May 14th Noon Habitat Office

Building Committee May 14th 2:00 p.m. Central Bank Riverside Branch Board Meeting May 15th 7:00 a.m. Habitat Office Running with Angels May 18th 8:00 a.m. Thanksgiving Point ReStore May 20th Noon Habitat Office Building Resources May 20th 3:15 p.m. Habitat office Getting Ahead Graduation May 21st TBD Provo Seventh Day Adventist Church Memorial Day May 27th Office and ReStores Closed Home Maintenance May 29th 6:30 p.m. Habitat Office

Alan Curtis AmericanWest Bank Andrew Ford Bob Stephens Bob Tandler Brad and Linda Walton Brad Bird Brett Christensen BYU ASCE BYU Bradley PR BYU Construction Management BYU Elks Scholars BYU Honors 203R Carolyn Hillam CenturyLink Chuck Irwin Colynk Complete Restoration Compu-Set Copy Cat Corporate Alliance Costco Fullmer Family Grant Sumsion Gregg Wright Habitat for Humanity of Utah County Staff, Board and ReStore Committee