NEWSLETTER OF VERDE VALLEY HABITAT FOR HUMANITY AUTUMN 2008
THE HOUSE THE APOSTLES BUILT!
We are happy to announce we existing neighborhoods and building you's in our "Angels in the Attic"
are on schedule and almost on styles, so we must be able to adapt department as well as many candid
budget for the completion of house our housing when needed. job site photo's. We still have
#10 for the Lerma Family. Some of the many volunteer Saturday work and week days
As most of our groups helping to build available, so if your group, or you
readers are aware, on this years homes are: would like to lend a hand on the
Angela and her Verde Baptist, First finishing stages of our home please
children have been Southern Baptist Church, fill out the volunteer form in this issue
awaiting a home for Christ Center Wesleyan, and contact our volunteer office at
over 3 years now. Genesis Corporation, 649-6788.
The family was
selected some time
ago, but Angela Lerma and Her Family's
unfortunately, the Home Nears Completion
land parcels the
affiliate owned at the
time just were not
large enough to build
this family a home. Now with smiles
on their faces and love in the hearts
for all of the many helpers, their
dream home is almost a reality! We
are praying for a holiday move in for
our family, however, as Mr. Birdsey
would say "They can move in when
it's done!" Angela's home is our
largest and most contemporary of
new house plans made available
through Habitat. We understand each
family will be living in their homes
for 20 years to come,, so we try to The Vineyard Church, St. Andrew The many volunteers, and groups
accommodate as many of their key Episcopal, Golden Hammers, The from our local churches and
needs as possible while still building "Sky Y" YMCA Youth leaders, Flame businesses will be honored on
simple decent housing. The Lerma Propane, Faith Lutheran Church, Sunday afternoon, January 18, 2009
home will be a four bedroom, two Haven United Methodist Church, at our Volunteer Appreciation Awards
bath home for her family of six. And, Christ Lutheran, Church of the Red and Iceaddressing Cream Social.
it will also have a single car garage. Rocks, Beyond the Storm, and NAU So if you 'Helped build it" watch
We are bound by local CC&R's in Campus Affiliate. your mail for all of the specifics
each area in which we build, as well Other churches and businesses regarding the afternoon of fellowship
as addressing issues of blending into donated funds, look for their thank with friends and co-workers.
Genesis Worldwide Crew Nailing
Down the Sub-Flooring
Crew Takes a Break
Christ Lutheran Memeber Nailing
in an Electric Service Box
Church of the Red Rocks Crew Laying
in the Concrete for the Front Steps
Sky YMCA Group
Marking Stud Placement
Church of the Red Rocks Crew
Unloads Chain Link Fencing
Verde Baptist Crew
Backfilling Foundation Walls
First Southern Baptist
Crew Mixing Mortar
Faith Lutheran Members
Fitting in a Cross-Brace
Flame Propane Crew Nailing
Down the Roof Panels
Volunteer Applying the
First Coat of Drywall "Mud"
Christ Center, Beyond the Storm Crew
Takes a Break for a Group Photo
VERDE VALLEY HABITAT FOR HUMANITY
P. O. BOX 2515
COTTONWOOD, AZ 86326
Home Phone:_______________Work Phone:_________________
Weekdays Weekends Only
Design, Architecture Laying Foundation Block
Finishing Concrete Framing
Plumbing Heating & Cooling
Painting Interior Trim
Vinyl Siding Landscaping
Tile Work Other__________________
General Office Videography
Clerical; Bulk Mailing Soliciting In-Kind Donations
Computer; Word Processing Title/Escrow Work
Fundraising Real Estate
Photography Grant Writing
HABITAT BOARD AND COMMITTEES
Serve on Board of Directors Director of Volunteers
Newsletter Editor Re-Store Volunteer
Family Selection Fund-Raising
Executive Director Webmaster/Designer
Site Selection/Real Estate Saturday Volunteer Refreshments
Publicity Other Interests_____________
need of housing, especially
DIRECTOR'S through the new National
Affordable Housing Trust Fund.
CORNER • Increasing and strengthening
U.S. Foreign Assistance on
CAR TO CARS
Karen Maddy housing and slums,with a FOR HOMES!
particular focus on security of
tenure or whether someone can
lay legal claim to their home or HABITAT FOR
land, and so many more ways!
Until the U.S.invests time and
energy in addressing this housing CAR DONATION
crisis, millions in the U.S. and more
than a billion people overseas will PROGRAM
continue to live in unacceptable
Car donations can help a
Locally, under a watchful eye
family within our local
we must allow more affordable community build a house and
housing to be built. Recently I the hope of a better life!
asked a developer what he By donating a car to Habitat’s
considered “Affordable Housing Cars for Homes™ car
prices” his response was simply donation program, you help
"If folks can afford to buy it, it must Verde Valley Habitat build
be affordable!" houses in partnership with
A home is more than just a roof On September 30, 2008 VVHFH families in need of decent,
over someone’s head! held a prospective Home Owner
Simple, Decent, Affordable Orientation. Although well
attended, many families don’t even It is quick and easy to donate
housing can be a source of dignity
and pride for our local families and meet our “Affordable housing” a car, truck, boat, RV,
a source of much-needed stability criteria. Many applicants change motorcycle, construction
for their children and for our jobs several times a year and move equipment or other vehicle
communities. around to just keep food on their whether running or not! Plus,
On October 6, 2008 we children’s plates, and are always when you donate your car,
celebrated World Habitat Day. searching for the cheapest rents your vehicle donation may
Habitat Affiliates nationwide held to make ends meet. This is not a be eligible for tax deduction
healthy environment for children
events to bring to light the need for purposes if you itemize.
to grow in. Many local realty
housing in their communities as (Consult the IRS or your tax
offices have added new divisions
well as globally. adviser for details.)
whom specialize in first time home
More than 30 percent of all
buyers/assisted mortgage Donate a car to Cars for
Americans face housing challenges.
programs trying to help families
It is estimated that by the year 2030,
whom are doing everything the
Homes™ — Habitat’s official
an additional 3 billion people, or
right way, but just are unable find car donation program NOW.
about 40 percent of Earth’s homes they can afford.
population, will need housing. You Call 877.277.HFHI (4344)
Around the world, and here in
can help locally by asking our city toll-free or donate vehicles
the United States, millions of
and county leaders to incorporate people face tremendous housing
affordable housing in their general issues. And this election year we Go to www.habitat.org and
city plans. By writing to the next have a chance to do something click on the
President, his Senators and about the serious housing crisis "Cars for Homes" tab.
Representatives to do something worldwide. we as a community
about inadequate housing is we need to ask our leaders to just
Thank you to this quarter to
another way to be heard as well. do more. I pray that our voices are donor Joel Davis for his
Together we must urge them to heard this election year! vehicle donation!
make affordable housing a priority. Specify "Verde Valley
Our next president could help by: Yours in Community Service, Habitat for Humanity"
•Increasing and strengthening Karen Lynn Maddy, when making your donation!
assistance to American families in Executive Director
VVHFH HOLDS NEW
On September 30, 2008 Verde Valley Habitat held a New Homeowner Orientation meeting for 2008/2009.
This meeting was held at the Verde Valley Senior Citizens Center. Application criteria,a general overview of
our Habitat housing program, and lots of other questions were both asked and answered. Board Chair, Andrea
Costello, Executive Director Karen Lynn Maddy and Members of the Family Selection Committee, were on
hand to answer questions and advise prospective families as to how they might apply for a Habitat home.
With the purchase of new lots, and a family
needed for one of our earlier built homes, many
families were on hand to make application for
one of our homes. Applications were received in-
house by October 10th and the Family Selection
committee is currently under review of those
Although the application criteria is lengthy,
the baseline criteria to be met is: Families must
have lived in the Verde Valley for at least two
years, been at their present place of employment
for a minimum of one year, must be a first time
home buyer, live in substandard or over-
priced housing, fall between the 40-80%
median income level for Yavapai County
for the past year, debt ratio must be within
set standards, be willing to live anywhere
in the Verde Valley and complete 400-500
hours of sweat equity building their home
with Habitat partners. In return, Verde
Valley Habitat provides an interest-free
twenty year mortgage for the cost of the
construction of their home and land.
Choice award as the Best
Volunteer Organization in the As a former Board Member, I was
Verde Valley! We Thank the asked to tell how much the Verde
readers of the Verde Independent, Valley Habitat for Humanity had
Camp Verde Bugle and Kudo’s for changed. In the three years of my
their Vote and their Support. association it has gone form a fairly
Let’s all Help build it! staid group to one of a great
Look for our new “Help build dynamic. The Board Members seem
it!” banner at local events. Board to be excited about what they are
member Laura Gisborne and doing, and the recently created
Director Maddy created this great ReStore has provided a wonderful
revenue source for our home
new visual imagery for our group.
building projects. Please consider
You will soon see it at home
adding yourself to the list, and
dedications, ground breaking and
become a new Board Member.
Verde Valley Habitat for lots of local civic events. Thanks
You are needed!
Humanity receives local award. In to Laura and Creative Printing &
September VVHFH was presented Copy Too! in Sedona, for their Tom Wachs; Newsletter Editor
with the 2008 Verde Valley, Readers efforts.
"BEYOND THE STORM" ACTIVITIES
by Judy Etter
after Hurricane Katrina in 2005. Since we returned from Long
We sent seven teams of Beach in August, two hurricanes
skilled and unskilled workers to have hit the Gulf Coast. Gustav did
Long Beach, Mississippi to assist not create damage on the scale of
with cleanup and rebuilding Katrina, but Hurricane Ike was as
after Katrina. Initially, we devastating as Katrina, if not more
contributed many thousands of so. Consequently, “Beyond the
dollars in monetary help and Storm” is providing at least one
materials and supplies. My
work team to help with clean-up.
husband, Bill, and I moved to
The first will be traveling to League
Long Beach for nearly a year
City, Texas (near Houston) to work
and were team coordinators for
groups that came from all over with another faith-based local
the country. organization called C.O.R.E.
In addition to being the Volunteer Our last “Beyond the Storm” (Christians Organized for Relief
Coordinator for Verde Valley team went August 23 – 30, 2008 Efforts) from December 6-13, 2008.
Habitat For Humanity, I am chair- and accomplished quite a bit in If you are interested in this trip,
person for “Beyond the Storm”, a the areas of painting and tile please call me, Judy Etter, at (928)
faith-based, disaster relief organ- work, in an effort to help with 639-4654 or email me at
ization that was formed very shortly the rebuilding phase. firstname.lastname@example.org.
Ana Marie Moreno
Paints the Inside Trim
Ana Marie Moreno Scrapes
The Newly Renovated Home Sparkles While Carrie Lightfoot
With Newly Painted Siding and Trim Steadies the Ladder
Rob Fierro Used the Same Floor
Tiles for the Custom Counter Tops
Steve Sevec Trims the Wall
Bill Etter Cuts the Grass Color to the Baseboards
and Cleans Up the Yard
DONATION DO'S AND DON'TS
by J.D., Charlie and Jerry, the Donation Pick-up Team
Once you have called our up to find you have cleaned out We have been very thankful for
Volunteer Office and have sched- your entire garage! the many fine donations received
uled a prearranged pick-up or drop- NO non-working appliances over the past two years from
off time, please remember to: or those over 10 years of age. contractors, vendors and local
Have your items clearly marked Items must be clean and in residents. In fiscal year 2007-2008
for “Habitat” and sitting outside of saleable condition or they will not the VVHFH ReStore diverted 65 tons
your home on the morning of your be accepted. of good saleable materials from our
pick up. Or drop off at a pre- local landfills. However, we end up
NO domestic or personal items
arranged time at our warehouse. making monthly trips to the
such as Clothes and Linens.
Cottonwood landfill, at Habitat's
Always advise our volunteer NO furniture with rips, tears, cost, to dispose of items that should
office of any special needs for your broken legs or food / pet urine
pick up; i.e. size, weight and if an not have been donated and or were
stains on them. dumped at our door under the cover
item will be fragile like glass or
mirrors. NO containers of loose old screw of night.
and nails, especially when rusted. A grant from the City of Sedona
Place all mounting brackets or They are not usable or saleable, was awarded to VVHFH in August,
parts needed to install this item in and they are dangerous to the for our recycling efforts, which will
baggies and securely attached them volunteers who must handle them. be used to buy new tires for our
to the donated item.
DON'T ask Verde Valley Habitat donation truck and additional items
Place all appliance remotes, any to dispose of your items that should such as dollies and packaging
user manuals for items, inside the go to the dump or the salvage yard. materials used daily.
item or attached to item in baggies. We can only accept items that are If you are changing color schemes
Be courteous to our drivers time useable, in good and proper and your item doesn’t work...Great!
and truck space limitations, yours working order and are ready to go If you just moved in and there is no
is not the only donation being to the sales floor. We are a small place for your beloved items...Great!
picked up on that day. Drivers may affiliate and do not have enough Give us a call. But, if you wouldn't
ask to return on another day if you volunteers to do repairs or buy this item in a garage sale,
call in with two items and they drive deconstruction services. most likely we wouldn't either.
The collective number of families served by affiliates around the
world is staggering: 279,723 through fiscal year 2007. In November
2008, we will celebrate a historic milestone: The Completion of the
300,000 Habitat house! All of our affiliated partners worldwide have
played a part in making this achievement become a reality. By most
standards, Habitat for Humanity is the worlds largest home builder.
Mark Boarman of AAA
Backflow & Cross-Connection
Control Company has provided
a complimentary inspection of
Students from the Flagstaff the backflow devices installed
based NAU Affiliate, helped at House #7. If you require his
with the final work of services, please contact him at
Angela Lerma's soon-to- 928.634.2330. He is a State
be-completed home. They Certified Technician!
provided many hours of
Thanks for your help and
labor. It's always fun to
have young and energetic expertise Mark!
students to help!
Verde Valley Habitat
Home Improvement ReStore Celebrates
It’s Second Year in Business!
Verde Valley Habitat for Humanity Home Improvement ReStore celebrates it’s Second Anniversary.
On Saturday June 28th, the Home Improvement ReStore celebrated two years of offering new, and gently
used building supplies to our community. The ReStore has turned into one of our major fund-raising sources.
At our Annual budget meeting held on July 3, 2008, the Budget committee, after finalizing our the ReStore
EOY statement, announced that $45,000.00 would be transferred to our land acquisition fund, for use in
finding new home sites for 2009.
On August 8th Executive Director Maddy effected the purchase of two new homesites in Cottonwood.
A big thank you goes out to Karen Boarman. Karen is a Board Member and a local realtor with EXIT Realty
for her quick work in locating these properties.
Remember to check our webpage at: www.vvhabitat.org for additional information regarding our donation
program and our pick up schedules.
Mark your calendars! On December 27th we wil have our end-the-year, half-price sale. All items
$99.00 or less are 50% off and all items $100.00 or more are 20% off.
Resort Asset Management -
Builders Club Donors;
May through September
First American Title, Cottonwood
House #10 Housewarming Fund
Cora & Bob Whiting
Mr & Mrs Laurence Keim
Melanie Krasnay Marianne & John Thomas
Henry & Nancy Pfefferkorn Lucreitia & Alan Spiller
Ellis & Rosemary Price Penelope & Alex Allen
Dr. & Mrs Kirk Stetson
Rising Sun Mini Storage ANGELS IN THE PPG Gives;
Framing Studs ATTIC Retired Volunteer Foundation
Charles & Mary Bowers, (x 3) J. D. Maddy; $1,000.00 donation
Rachel E. Randall Faith Supporters; Adopt a for 1336 volunteer hours served
Joanne P. Ralphs House Program from June 2007-July 2008 as well
Carol Roby Verde Baptist Church, as serving on VVHFH Board of
Floor Joists Cottonwood; July/Aug/Sept Directors.
Lawrence Clark $200.00
Mrs Russell Whitla Church of the Red Rocks, Sedona; United Way Donors
Truss Fund $2,000.00 Kevin Stewart
Joan Tonyan Christ Lutheran Church, Sedona;
Window Fund $500.00 for rough plumbing Donation in Memory of:
Marite Stewart supplies. Volunteer Bob Whiting’s mother,
Lutheran Church of the by the Thunder Ridge POA,
Carpenter Club Donors Resurrection, 2 tub/shower stall Rimrock, AZ
Jacob & Sally Baker units $631.00
Ismael & Catalina Hernandez St. Andrew’s Episcopal Church, Tool Trail Tool Replacement Fund
R. E. Jensen Sedona; July/August/Sept $300.00 Jerry Harvey
Chuck Stein Charlie Stephenson
Iona Turner City of Sedona Employee
Thunder Ridge Homeowners Donations Business Sponsor Support;
Richard & Lillian Blechschmidt David & Rhonda Peck EXIT Realty – Charitable Partner
Build a Home with Your Tax Dollars!
charitable contribution of up to Can I Qualify for the Charitable
$400 to Verde Valley Habitat for Credit if I Also Recognize Other
Humanity if: Arizona Tax Credits?
Yes! The charitable tax credit may
*You have itemized deductions
be recognized in addition to other
Thanks to a recently enacted in 1996 or your baseline year,
Arizona tax credits such as
Arizona tax law, taxpayers can get *You anticipate having an
conservation, energy and school
a dollar-for-dollar tax credit of up Arizona income tax liability for
tuition and activity credits. Tax
to $400 on their Arizona income this tax year or the next five tax
credits can reduce your Arizona
tax return for charitable years;
taxes to $0.
contributions made to a qualifying *You will itemize your deductions When Must the Charitable Tax
charitable organization. Single on your 2008 Arizona tax return; Credit Contribution Be Made?
taxpayers can contribute up to and The amount of the tax credit The contribution must be made
$200 and married couples can is equal to any increase over the during the calendar tax year. For
contribute up to $400. An Arizona contribution you gave in 1996 or example, only contributions made
charitable tax credit contribution your baseline year. For example, during calendar year 2008 will be
has the effect of reducing your if you itemized contributions of allowed as a charitable tax credit
Arizona tax liability dollar-for- $500 in the previous tax year, and on the taxpayer's 2008 Arizona
dollar up to $400 that you increase your contributions in the income tax return. Contributions
contribute to Verde Valley Habitat 2008 tax year to $700, you would to Verde Valley Habitat for
for Humanity. be eligible for a state tax credit. Humanity will receive a formal
How Will These Funds Be Used? What's The Difference Between thank you letter that can serve as
The charitable purpose and a Charitable Tax Credit and a a donation receipt for income tax
mission of Verde Valley Habitat Charitable Deduction? purposes.
for Humanity is to eliminate A charitable tax credit is much How Do I Make A Qualified
poverty housing and make decent more favorable to you as a Charitable Tax Credit
shelter a matter of conscience and taxpayer. A charitable tax credit Contribution to Verde Valley
action. A total of 90% of each reduces your Arizona tax liability Habitat for Humanity?
dollar that you contribute to Verde dollar-for dollar (i.e., gives to your To effectively make your 2008
Valley Habitat for Humanity will favorite charity what you would qualified charitable contribution
be used to help change lives by otherwise give to the State.) A and receive an Arizona Tax Credit,
providing housing and hope to charitable deduction is itemized make your charitable contribution
low-income families in the Verde and subtracted from gross payable to: Verde Valley Habitat
Valley. The remaining 10% will be income to determine the amount for Humanity.
tithed to HFHI for other world wide of the taxpayers taxable income,
efforts. Must a taxpayer itemize
thus reducing a taxpayers tax deductions in order to qualify
Is Verde Valley Habitat for liability by a limited percentage. for the credit?
Humanity a Qualifying Can I qualify for the Charitable Yes! A taxpayer must itemize
Organization? Tax Credit if I Do Not Owe Any deductions and deduct charitable
Yes! Verde Valley Habitat for Taxes at the End of the Year? contributions on the Arizona state
Humanity is a nonprofit tax Yes! The credit reduces your income tax return at least once in
exempt publicly supported overall Arizona income tax order to establish a baseline year
charitable organization, and is a liability and is not impacted by and amount. The credit is then
qualifying organization for the your tax withholding's during the figured on the amounts over and
Arizona Charitable Tax Credit. course of the calendar tax year. above the baseline amount.
Who Should Consider Making If you withheld an amount greater How does a taxpayer determine
a Qualified Charitable Tax than your tax liability, the credit the baseline year and amount?
Credit Contribution? will result in an increase in your If a taxpayer itemized deductions
You should consider making a state tax refund. and deducted charitable
10 See next page for Donation Coupon.
continued from page 10...
contributions in 1996, that is by the taxpayer must give $700 in filing separate have a maximum
law the baseline year. The baseline total contributions that includes credit of $200.
amount is the total dollar amount $200 to a qualifying charitable Can a federal or state audit
of charitable contributions organization to receive a $200 affect a taxpayer's baseline year
deducted on Schedule A. This tax credit. Likewise, a taxpayer and/or dollar amount?
amount includes the total could give $600 in total Yes! The baseline year could be
contributions deducted pursuant contributions, including $200 to changed or established if a
to Section 170 of the Internal a qualifying charitable taxpayer's deductions are changed
Revenue Code including cash organization, and receive a $100 to or from itemized or to or from
amounts, property, or mileage tax credit. standard, for instance. The dollar
amounts. Therefore, if a taxpayer amount could change depending
What is the maximum amount
deducted a total of $500 in on allowed or disallowed
of the credit?
charitable contributions in 1996, contributions. Remember that a
For tax year 2008, taxpayers filing taxpayer is required to notify the
that is the baseline amount. as single and unmarried head of
If a taxpayer did not itemize state of any federal audit changes
household have a maximum within 90 days of the audit
deductions and deduct charitable credit amount of $200. Taxpayers
contributions in 1996, then the becoming final.
that are filing as married filing
baseline year is by law the first How does a taxpayer figure the
joint have a maximum credit of
taxable year after 1996 that the baseline year and amount if
$400. Taxpayers filing married
taxpayer itemizes deductions and filing status changes due to
filing separate have a maximum divorce, marriage, remarriage,
deducts charitable contributions. credit of $200. death of a spouse, or change
How is the credit amount For tax year 2008, taxpayers filing of residency?
figured once a taxpayer has as single and unmarried head of Taxpayers must establish a new
established a baseline? household have a maximum baseline year and amount
Credit dollars are allowed on the credit amount of $200. Taxpayers following a filing status change
amounts above the baseline dollar that are filing as married filing listed above. This includes a
amount. For instance, if a taxpayer joint have a maximum credit of married/joint filing where the
has a baseline amount of $500, $400. Taxpayers filing married spouses are different.
Send your donation postmarked prior to December 31, 2008 to:
Verde Valley Habitat for Humanity
P.O. Box 2515
Cottonwood, AZ 86326
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __
2008 Arizona Tax Credit Donation Coupon
City _______________________________________________________________, Arizona Zip Code __________________
Phone __________________________________e-mail address _____________________________________________________
(So that we may notify you directly next year, or if you wish to receive your newsletter via this mode)
Single - $200.00 Tax Credit Donation
Married - $400.00 Tax Credit Donation
A letter will be sent to you recognizing this donation and Thank You for helping to make dreams come true
for families here in the Verde Valley. At tax time be certain to have your tax preparation specialist file the
proper forms revised Statues Section 43-1088 when submitting your return or call the Arizona Department
of Revenue at 1-800-352-4090.
Printing of this issue of The Homemaker
The has been donated by CTS Office Supply
Verde Valley Douglas Meyer, Owner.
Habitat Board 331 North Main Street,
of Directors Cottonwood, Arizona
meet the second
Monday of each
month at 6:30 PM
at the Please visit our updated
Mountain View website. Volunteer Sue
901 South 12th St.
Obijiski is the webmaster,
in Cottonwood. and has done a fabulous
job improving and keeping
The public is
welcome to attend.
the site current!
SERVICE US POSTAGE
VERDE VALLEY HABITAT FOR HUMANITY
P. O. BOX 2515
COTTONWOOD, AZ 86326