Laundry Room Kids Closet Home Office
Garage Kitchen Pantry
Master Bedroom
Cabinets for every
room in your home!
6649 University Ave. | Middleton, WI 53562 | 608-829-2489 www.cabinet-city.com
CONTENT VOL. 7
AUGUST–OCTOBER 2018
Photograph by Eric Tadsen
publisher Towns & Associates, Inc. 126 Water Street Baraboo, WI 53913-2445 p 608.356.8757 • f 608.356.8875 homeelementsandconcepts.com editor-in-chief Amy S. Johnson info@homeelementsandconcepts.com publication designer Jennifer Denman senior copy editor Kyle Jacobson copy editor Krystle Naab sales & marketing director Amy S. Johnson ajohnson@homeelementsandconcepts.com sales & marketing manager Kelly Hopkins khopkins@homeelementsandconcepts.com graphic designers Crea Stellmacher, Linda Walker, Barbara Wilson administration Jennifer Baird, Lori Czajka, Debora Knutson contributing writers Theresa Abel, Karen Bednar, Christopher Eaglin, Megan Fields, Kyle Jacobson, Wendy Jensen, Madison Gas & Electric, Carrie Simpson, Joan Ziegler
ART
Becoming an Art Collector Can Sneak Up on You 22
how two local couples became art collectors without even realizing it
BUSINESS DESIGN
Foundation in Aesthetics—Pasqual's Cantina from the layout and zoned flow to the character and décor, see how Pasqual's created a restaurant that feels both fresh and familiar
COMMUNITY INITIATIVES
Common Wealth Development
34
46
a community development organization centered on healthy housing, equitable economic development, and sustainable land use Photograph by Eric Tadsen
photographs Abel Contemporary Gallery, Karen Bednar, Christopher Ross Contracting, Common Wealth Development, Home Works Remodeling, Jyothi Froemming, Madison Gas & Electric, Eric Tadsen, Paula A. White, ZDA, Inc. Landscape Architecture additional copies Home Elements & Concepts is available free at over 200 locations. If you would like a copy sent to you, please send mailing information and $4 (payable to Towns & Associates) for each magazine to Home Elements & Concepts, c/o Towns & Associates, Inc., 126 Water Street, Baraboo, WI 53913.
HOME REPAIRS
Is Your Home Breathing or Suffocating? learn about proper roof and attic ventilation
subscriptions To purchase an annual subscription (4 issues), send mailing information and $16 (payable to Towns & Associates) to Home Elements & Concepts, c/o Towns & Associates, Inc., 126 Water Street, Baraboo, WI 53913. Or sign up for a FREE online subscription at homeelementsandconcepts.com.
LANDSCAPE
comments We welcome your questions and comments. Please submit to Home Elements & Concepts, c/o Towns & Associates, Inc., 126 Water Street, Baraboo, WI 53913 or email info@homeelementsandconcepts.com.
A Home that Works!
advertise To place an advertisement, please call 608.356.8757x105 or email ajohnson@homeelementsandconcepts.com. all rights reserved. ©2018 No portion of this magazine may be reproduced without prior written permission by the publisher, Towns & Associates, Inc.
Watch for the next issue November 2018. Cover photograph by Eric Tadsen.
Moving to the Country
40
28
transforming a farmstead into a country paradise
REMODEL/RENOVATION
6
a condo remodel that will make the home feel new for years to come
Middleton Hills
16
the renovation of a newly purchased home to fit the clients' more modern style
TECHNOLOGY
Electric Vehicles
12
learn if an electric vehicle makes sense for you
4 Advertiser Index 50 From The Editor
HOME ELEMENTS & CONCEPTS 3
from the editor We’ve enjoyed sharing the insights and suggestions of local experts regarding home design and functionality. We’re happy to now expand with a new segment: design in business. Most likely you stop into a local business each week, and chances are you don’t give a lot of thought to the surroundings during your visit because you’re busy—you don’t take the time to think about things like why the business chose the light fixtures they did. Many owners put a lot of thought into the design of their business, and it can affect you whether or not you are consciously aware of it. It’s the atmosphere surrounding you while you have a meal, make a retail purchase, or get assistance with financial planning, and it can either relax or invigorate you depending upon the goal of the design. This segment gives you insight into the thoughts of business owners when they are creating the spaces you visit. And you can certainly get some ideas from what they create too! Also included in this issue are home redesigns; a landscape project; insight into your roof to incorporate proper ventilation, which is important to prevent ice damming as we head into winter; a discussion about electric vehicles; how you may be or may become an art collector; and the contributions to our community by Common Wealth Development.
Amy Johnson
4 Additional photos at homeelementsandconcepts.com
DECK RAILINGS ARE FENCES, TOO!
Ceiling Fans For Any Space MadisonLighting.com 6701 Watts Rd., Madison
Deck railings provide safety and beauty. This contemporary home deserved a modern-looking railing to complement its design. Aluminum was the top choice. We can cut, bend and weld this material to accommodate almost any situation. If you look at our website, you’ll see we do more than railings.
608.849.4654 QualLineFence.com 801 South Division Street, Waunakee, WI 53597
HOME ELEMENTS & CONCEPTS 5
REMODEL/RENOVATION
A HOME
that Works!
by Wendy Jensen & Megan Fields
After
Kitchen overview highlighting open layout.
6 Additional photos at homeelementsandconcepts.com
Due to a shortage of available properties, homeowners are electing to stay in their homes and invest in updates to meet their needs as they age instead of automatically thinking about moving. They’re getting creative about how to adapt their existing residence and investing more in interior cosmetic updates that will make their home feel like new for years to come. A freestanding, ranch-style condo in Middleton is a perfect example of this trend. The owners not only wanted to make the existing space work better for their evolving lifestyle, but also to accommodate the challenge of bringing in an elderly parent on a permanent basis. This adds to their list of needed improvements as their empty nest becomes an evolving nest. Basement It was important for the owners to find a remodeler who would work on and completely refinish one level of the 1980s walk-out basement while the owners continued to live in the space as the rest of the home was worked on. The interior definitely was still living in the 80s: very monochromatic and lacking contrast or interesting texture and detail. Color contrast, texture, and small details became important for creating a big impact in smaller spaces. Pulling the color scheme and textures throughout both levels of the home creates consistency and a feeling that the home is larger than it actually is.
Before
Kitchen The entire color scheme was built around the clients' love of the Cambria quartz chosen for the countertops. This is a great way to build a color plan: start with one feature that you love and build off of those colors. Creative touches, like staggering the cabinet depths, creates a more threedimensional feel. The beveled subway tile echoes this theme. The addition of the snack bar extending from the main counters creates a comfortable space for the family’s new addition to sit and be involved in meal preparation, allowing her to truly be an active part of the household. One aspect of this space that needed to be highlighted was the vaulted ceilings. The recessed can lights really HOME ELEMENTS & CONCEPTS 7
showcase this feature and add to the illusion of more space. Long-lasting and energy-efficient LED lights were used to reduce the frequency of changing since they are high up and difficult to reach.
creates a clean look but does not always create the best viewing angle. An easy-to-use and lightweight mount can be pulled down to place the television in the best line of sight while watching.
Great Room/Living Room With the addition of stone, the fireplace becomes a focal point, as well as a way to continue the color scheme while adding some serious texture to a room that was previously devoid of contrast. Replacing the outdated mix of flooring materials with new wood floor throughout highlights the flow of the open floor plan and gives a unified appearance while minimizing tripping hazards. Following a popular design trend of placing a television over the fireplace
Stairway Since the stairway of a two-level-style home is a wellfrequented space, it should be visually interesting and not just functional. The grey tones in the new railing tie it in with the greys of the kitchen cabinets and the stones in the fireplace facing. Making an art alcove utilizing the same stonework as the fireplace creates yet another focal point in an unexpected place and adds even more texture. Again, the contrast between the warm wood tones and the cooler
Stairway with art alcove.
Before
8 Additional photos at homeelementsandconcepts.com
After Fireplace with stone accent wall.
HOME ELEMENTS & CONCEPTS 9
Built-in custom bench and handheld sprayer for showering ease.
Master bath vanity cabinets.
After
Before
10 Additional photos at homeelementsandconcepts.com
After
grey of the railing adds unexpected interest in a space that is often not given enough attention. Master Bath Incorporating interesting tile accents in the shower and vanity backsplash creates a theme that flows through both areas of the master bath. A genius touch was installing the wood-look ceramic tile flooring on a slant to create visual interest and movement through the space. Using the same cabinets as in the kitchen continues the cohesive style of the home. Powder Room Again, small details like the shape of the custom-made counter that houses the vessel sink creates visual interest and texture, and makes this small space truly unique. The powder room is a small area where you can really show off your personality with some special design touches. This project was very satisfying to work on because we were able to achieve all of the homeowners’ goals without completely disrupting their lives. A combination of small design changes; updating basics, such as the flooring materials and the kitchen cabinets; and incorporating statement areas, like the stairway alcove, made the home feel like a new one for a new phase in this family’s life. Wendy Jensen works at Home Works Remodeling and Megan Fields is owner of Rivendell DesignWorks LLC. Photographs provided by Home Works Remodeling.
After The powder room.
View additional photographs at homeelementsandconcepts.com. Home Works Remodeling 8820 N. Greenview Drive Middleton, WI 53562 608.833.1166 homeworksremodeling.com Rivendell DesignWorks LLC 5610 Medical Circle Madison, WI 53719 608.212.3885 rivendelldesignworks.com
HOME ELEMENTS & CONCEPTS 11
TECHNOLOGY
ELECTRIC VEHICLES
Time to charge ahead?
Charging your vehicle overnight is easy and convenient.
Have you been thinking about buying an electric vehicle (EV)? With lots of models to choose from, now could be a great time to take the leap. Let’s learn a little bit more about the why and answer that burning question that might be holding you back from an EV purchase.
of years, an electric fill-up is still cheaper than a comparable amount of gas—roughly $1 per gallon at today’s costs.
Reasons to Consider an EV There are many reasons why an EV could make sense for you.
• Lower maintenance expenses. Buy an all-electric vehicle and say goodbye to oil changes. Plus, with EVs you’ll have less wear and tear on your brakes because the electric motor helps bring the vehicle to a stop.
• Lower fuel costs. Although we haven’t seen gas prices in the $4 per gallon range for a number
• Lower emissions. Driving an EV reduces greenhouse gas emissions. And, as a bonus, MGE’s public
12 Additional photos at homeelementsandconcepts.com
motorcycles; and, coming soon, pickup trucks. Experts predict there will be more than 100 model options within the next five years. Investigate your choices and find available incentives at goelectricdrive.org.
PLUG-IN HYBRID VERSUS ALL-ELECTRIC Electric vehicles come in two basic flavors. • Plug-in hybrid electric vehicle (PHEV). Uses a combination of batteries to power an electric motor and another fuel, like gasoline/diesel, to power an internal combustion engine. The PHEV battery can be charged by wall outlet/charger. The vehicle will run on the battery first (roughly 10 to 50 miles), and then automatically switch to the internal combustion engine. Your range between fill-ups is usually 300 to 600 miles. Want to learn more? You can find a great overview at afdc.energy.gov/vehicles /how-do-plug-in-hybrid-electric-cars-work. • Battery electric vehicle (BEV). Runs on electricity only and has an electric motor. You recharge the battery by plugging it into an electrical outlet or charging station. Range on these vehicles averages 100 to 240 miles. Automakers predict they’ll soon be able to deliver vehicles that can travel 300+ miles on a single charge. Which one is right for you? Consider your driving habits and daily commute. If you have a long daily commute or like to spend your weekends on road trips, a PHEV might be a better option.
Photograph provided by Madison Gas & Electric
charging network is powered by wind energy, so you’ll really be driving green! • A quieter ride. EVs are very quiet. In fact, it’s not uncommon for people to restart their cars because they’re convinced it can’t possibly be running.
As attractive as all these benefits may be, for many people they’re trumped by a worry: am I going to get stuck somewhere? Sure, you could, just like you could run out of gas. But there are some things to keep in mind. • Vehicle range is improving. As mentioned in the sidebar, some all-electric vehicles can now deliver at least 200 miles without needing a charge, and we’re close to having vehicles that can reliably deliver 300 miles on one charge.
• Fun to drive! EVs run smoothly and accelerate quickly. • Numerous options. There are currently about 40 vehicles to choose from ranging in size from subcompacts to SUVs, including a minivan;
• It’s easy to charge at home and getting cheaper to charge fast. At-home chargers are available in two models: Level 1, which uses a standard 120-volt household circuit, and Level 2, which uses a 240HOME ELEMENTS & CONCEPTS 13
volt circuit—this is the type that’s typically used for things like an oven or electric dryer. As you may have guessed, Level 1 chargers are slower than Level 2. Although the speed at which you’ll be able to charge your vehicle depends on a number of factors (see sidebar below), in general a Level 2 charger is about six times faster than a Level 1. You can expect to get two to five miles of range per hour if you’re charging on a Level 1 charger and 10 to 20 miles on a Level 2 charger. • There are more places to charge than ever before. In the Madison area alone, there are currently about 50 public charging stations—MGE owns nearly 30 of them—and they’re located at convenient spots around town, including Willy Street West, Henry Vilas Zoo, the Princeton Club, and HyVee. And this doesn’t include local organizations that are providing charging stations for employee use.
How much does a charger cost? A Level 2 charger will typically run about $600 plus the cost to install. Consult a licensed electrician to learn more. Another alternative is to join MGE’s Charge@Home pilot program. Most MGE electric customers will qualify to participate, and there’s no up-front installation fee, though you will be charged for the cost of electricity. To learn more, visit mge.com/chargeathome. Live in an apartment? MGE also has resources to help multifamily property owners evaluate and install systems. Just refer your property manager or building owner to mge.com/multifamily.
ALEXA CHARGE MY CAR Add charge your EV, plus check your range, charging speed, and more, to the ever-growing list of things you can do without ever leaving the comfort of your home.
Need to find a charging station when you’re out and about? According to the Alternative Fuels Data Center, there are currently 24,730 public alternative fuel stations in the United States. Two apps that can help you find one are Alternative Fueling Station Locator and Plugshare.com.
Interest piqued? Have more questions? Check out EV Rider. MGE has created an easy-to-understand site that’s chockfull of tips and insights into buying and maintaining an EV. It’s updated regularly. Check it out at energy2030together.com.
HOW LONG DOES IT TAKE TO CHARGE AN EV?
This article was contributed by Madison Gas & Electric.
It depends. Factors that come into play: • The current charge level on the battery. • The power provided by the charger. • The size of the battery. • The battery temperature— a cold battery charges more slowly. There’s also something known as a DC Fast Charger (MGE currently has two)—these can deliver 60 to 80 miles of range in about 20 minutes. Generally speaking, a Level 2 charging system will charge an EV battery up to six times faster than a Level 1. The U.S. Department of Energy suggests the following to get a rough feel for charge time. Type of charger Level 1 Level 2
Miles of range per hour of charge 2–5 10–20
14 Additional photos at homeelementsandconcepts.com
Madison Gas & Electric mge.com
THANK YOU for adopting, donating, volunteering and helping create a more humane tomorrow Dane County Humane Society giveshelter.org (608) 838-0413
Want to save energy? Make mge.com your first stop • Get easy, low-cost ways to save energy • Use calculators to estimate your savings • View energy-saving brochures • Learn about Focus on Energy Interested in our energy future? Visit: energy2030together.com
GS3205 6/4/2018
HOME ELEMENTS & CONCEPTS 15
REMODEL/RENOVATION
Middleton HILLS by Carrie Simpson
In late 2016, our clients contacted us to say they were about to close on a home in the highly desirable Middleton Hills neighborhood. The neighborhood is idyllic and one that my clients had long considered. When the property became available, they jumped at the opportunity. The only problem was that the interior of the existing home did not fit their clean, tailored, and more modern style. The home had great bones, but was in need of extensive renovation and rethinking to better suit their wants and needs. The home has a small footprint—long and narrow. In cooperation with Streicher Renovation, we opened up the space by moving some walls while removing others altogether to make the interior more inviting and functional. By eliminating a large curved wall housing a two-sided fireplace that had anchored the kitchen island (and served as an obstacle between the kitchen and the living room), we were able to reorient the kitchen, allowing unobstructed sightlines through the entirety of the living space. This fit the bill perfectly for our clients, who regularly enjoy entertaining family and friends. Removal of the fireplace wall also brightened up the home as sunlight then penetrated the space. A more modern metal fireplace was added to the southern wall of the sitting area. The addition of a dry bar just off the kitchen provided an opportunity to increase storage and create a striking focal point out of what was an underutilized work space. Originally, this space was used as the home office with a built-in desk. Now, with a dedicated office space on the second floor, there is no longer a need for a desktop work space immediately adjacent to the kitchen. We enlisted the help of Cabinetry Plus to build and install custom Shaker-style cabinetry in both the kitchen and dry bar. We
16 Additional photos at homeelementsandconcepts.com
Walls were removed between the kitchen and living room to open up the spaces to each other. A custom-built console table, by Baraboo Woodworks, sits below the window.
HOME ELEMENTS & CONCEPTS 17
What was once a built-in workspace has been reimagined as a dry bar with custom cabinetry, quartz countertop, and marble hexagon backsplash.
specified alder—stained a rich, warm chocolatey brown— to complement the deep blue used on the kitchen island. Both spaces were finished off by flooding the backsplash walls from countertop to ceiling with a geometric marble tile in the bar and a dimensional subway tile in the kitchen. The marble-like quartz countertops are durable, easy to care for, and tie the two spaces together. Originally, the master suite included a step-in closet, which was not going to suit the needs of someone as fashionable as the new homeowners. The master bath included a tub with shower enclosure that had become dated and in desperate need of a design refresh. By stealing a bit of space from the amply sized garage, we were able to expand the bath and add a full walk-in closet to make this a true en suite. A custom vanity, also built by Cabinetry Plus, is large enough for a pair of shallow vessel sinks that look like sculptural art pieces. The tile is a combination of marblelooking porcelain on the floors and shower walls along with decorative insets of a marble basketweave tile.
18 Additional photos at homeelementsandconcepts.com
Kitchen cabinetry, by Cabinetry Plus, allowed us to fully customize this kitchen to suit the clients' needs.
The master bath was expanded by stealing some space from the garage. The glass, enclosed shower helps to keep the space light and bright while showing off the beautiful tile.
The adjoining master bedroom is a calming sanctuary space for the busy couple to retire to at the end of the day. This room, like many others in the house, layers texture upon texture. Very minimal color was incorporated, but the space is still visually intriguing. A patterned, grasscloth wallpaper was selected and installed on the headboard wall. Additionally, motorized, woven bamboo roman shades; quilted bedding; a faux fur throw; as well as the presence of a crushed velvet bench at the end of the bed up the style quotient, making this a cozy space to retire to in the evening or a great space to linger in on a lazy Sunday morning. The decision was made to keep most of the existing millwork throughout the home, but all other finishes were updated. The previous wood floors had seen better days and needed to be replaced. Schreffler Custom Wood Flooring installed and site-finished new hickory wood floors throughout most of the main floor. A durable, high-traffic finish was applied to help protect them from wear and tear. Site-finishing the floors allowed us to have more control over the custom color. It was important the flooring be a nice bridge between the existing maple trim work and the new alder cabinetry.
HOME ELEMENTS & CONCEPTS 19
The master bedroom is a peaceful space retreat for these busy homeowners.
Most of the furnishings selected for the home were also custom built. We had the fortunate opportunity to collaborate with Baraboo Woodworks on a dining table and bench along with a console table built specifically for the space. It’s always a treat to be able to work with local craftspeople to bring a project to life! Customization need not be intimidating. Having the ability to specify the size, construction, finish, etc., of a piece allows you to take full advantage of your space, create something entirely unique, and support local makers. The timeless selection of natural tones, materials, and textures contribute to a sleek, warm, and comfortable space that will suit the needs of our clients for many years to come. Wrapped in the spring of 2017, this home renovation continues to evolve as these world travelers collect and acquire special art and décor pieces from their excursions, which add a layered look. By keeping the palette primarily neutral, they’ll always be able to introduce these mementos and special pieces with ease. Carrie Simpson is the owner/principal designer at Vault Interiors & Design.
Interior Design and Décor by Vault Interiors & Design vault-interiors.com Renovation Construction by Streicher Renovation streicherrenovation.com Hardwood Flooring by Schreffler Custom Wood Flooring schrefflercustomwoodflooring.com Cabinetry (kitchen, bar, master bath) by Cabinetry Plus cabinetryplus.com Tile and Countertops by ProSource of Madison prosourcewholesale.com/showrooms /wi-prosource-of-madison Window Treatments by Springs Window Fashions springswindowfashions.com
Photographs by Eric Tadsen. View additional photographs at homeelementsandconcepts.com. 20 Additional photos at homeelementsandconcepts.com
Wallpaper Installation by Larry Snyder’s Paint & Paperhanging larrysnyderpaintpaperhangingcom.weebly.com
HOME ELEMENTS & CONCEPTS 21
ART
Photograph by Eric Tadsen
Home of Rick and Kristen. The living room contains a cabinet and coffee table designed and crafted by Tim O'Neill. Oil paintings by Kelli Hoppmann and Gregory Schulte mix well with sculpture and ceramics by Jose Sierra, Richard Jones, and John S. Miller.
22 Additional photos at homeelementsandconcepts.com
Becoming an
ART COLLECTOR
Can Sneak Up on You by Theresa Abel
Last week it was reported that the painting Past Times, by Kerry James Marshall, sold for $21.1 million to Sean Combs, music mogul and art collector. The same week Amedeo Modigliani’s 1917 painting Nu couché (Sur le côté gauche) sold for $157.2 million. Purchasing high-value work and donating large sums to museums are what most people picture when they think of art patronage. But what about those who live modest lives and still fill their homes with original art, visit museums and galleries regularly, and follow the careers of living artists? When does someone become an art collector? I’m curious about people who value art for what it adds to their life more than its potential resale value. Did they grow up in art-filled homes? When did they begin buying original work? Do they have regrets? I sat down to talk with a few local art collectors to find out when art became important to them. I met Rick and Kristen at my gallery when they came in to commission an artist to create a bespoke cabinet for Rick’s collection of Wendell Berry books. They live on Madison’s near west side and have filled their lovely bungalow with original paintings, sculpture, functional ceramics, and handmade furniture. When we get together, our conversations often revolve around travel, and their trips seem to prioritize visits to art museums and galleries. Even though their home is brimming with art, they surprisingly did not think of themselves as collectors until recently. As a child, Rick was an altar boy exposed to the grandeur of art in the church. Although he grew up in a home devoid of art, an influential high-school teacher took him to theatre, ballet, and museums. Kristen’s first exposure may have been her grandmother’s amateur paintings and trips to the local art museum. HOME ELEMENTS & CONCEPTS 23
Photograph by Eric Tadsen
Another view of the dining room includes a table by Tim O'Neill with a painting by Kelli Hoppmann and blown glass by Richard Jones.
An original drawing from a trip to Israel hangs above the cabinet in Rick and Kristen's dining room. A sculpture by Gerit Grimm sits atop the cabinet as well as a small painting by Allan Servoss and a ceramic jar by Alex Mandli. The red rabbit wall sculpture is by Russell Wrankle.
A college professor of Rick’s had original art in his home and sparked the realization that living with art had value. Over time, they met other friends who were not wealthy but had good art. It was inspiring. Visits to museums became a regular activity, but it was on a trip to Israel they purchased their first piece. Upon arriving home, they were surprised that framing the picture cost much more than the charcoal drawing itself. Kristen said from then on she wanted to spend more on art than framing. They continued to study, learning about art history while educating themselves about local artists and slowly adding works they loved and could afford.
Photograph by Eric Tadsen
When I asked if they had advice for people thinking about collecting, they mentioned building a relationship with a gallery whose aesthetic resonates with the collector. Good gallery staff will take the time to talk with you about artists they represent and art in general. And they can call you when new work arrives by artists you love so you get an opportunity to wait for just the right piece. Starting out this way is comfortable because you have confidence that the pricing is fair and the work is high quality. Rick and Kristen said once they learned more about art, their self-assurance 24 Additional photos at homeelementsandconcepts.com
grew and they were more willing to take risks. The only regrets are the pieces that got away. As Rick looks around his home, he says that being able to own art feels like a privilege.
understood the inherent value in living with beautiful and interesting things early on. To paraphrase Byron, you can have another big-screen TV or you can have lovely art. Byron finds the notion of being a collector kind of strange. He says he and Wanda did not decide to start collecting art, it just happened. The first time they realized they were considered collectors was when they saw a published image of an artist’s work they owned with the caption “in the collection of…”
I next visited the country home of Wanda and Byron, where quality of life in all things seems to be the prevailing philosophy. Their countryside home, southwest of Madison, has gorgeous views, which become wonderful backdrops for outdoor sculpture. Inside, their home is filled with a collection of art and antiques that can only be acquired with patience. Each piece has a story.
Wanda and Byron have a lot in common with Rick and Kristen. They echo the idea of potential collectors finding a professional gallery they have faith in and where they feel a sense of community. They also do not regret any acquisitions other than the ones that got away. Byron recalls a print they wanted many years ago that was not very expensive but, at the time, they could not afford. Decades later he was able to track down one of the editions, and it now hangs in their home along with the other things they say make their life richer.
Byron and Wanda grew up in homes filled with framed family photos and handicrafts, such as needlepoints and decorative plates common in Pennsylvania Dutch Country, where they were raised. It was in adulthood they decided to be surrounded by lovely things, purchasing antiques and art when they could afford to. At least one of their early antiques was found abandoned on the curbside and refinished by Byron and Wanda themselves. They
Byron and Wanda have a mix of contemporary art and antiques including the sculpture, Ruthie, by Marlene Miller; below a work by Salvador Dali and an oil by Mary Elizabeth Blunt from 1727. The cabinet is English, circa 1740.
Photograph provided by Abel Contemporary Gallery
Also from the home of Byron and Wanda, an oil painting of bulldogs by Sue Medaris hangs above a coaching bench, English, circa 1780.
Photograph provided by Abel Contemporary Gallery
HOME ELEMENTS & CONCEPTS 25
Photograph provided by Abel Contemporary Gallery
The sculpture of the female form is by Sue Jones of the UK, acquired by Byron and Wanda about 10 years ago. The loom is modern Peruvian. The paintings are Bread Lines, by Kelli Hoppmann. The table is by one Tim O'Neill.
In Byron and Wanda's dining room, an oil painting, Blue Ribbon Horse, by Sandi Peterson, features prominently as well as a sculpture on the table by Yujin Ki. In one corner is an antique kitchen rack and in another is a soft sculpture hanging above a sculpture of a ceramic pig by Bruce Hoddle.
Being an art collector is so much more than being a patron. It’s finding something personal or familiar in a piece and injecting your ideas and persona into it. The value of having several pieces that carry a story or remind you of something personal is that you get to show off a side of yourself family and friends might have yet to meet. Perhaps even a side that leads to you better understanding who you are.
Photograph provided by Abel Contemporary Gallery
Theresa Abel is an artist and owner/director of the Abel Contemporary Gallery, a fine art and fine craft gallery in Paoli. She studied painting at the University of Wisconsin– Madison and the Scuola Lorenzo de’ Medici, Florence Italy, receiving her BFA in 1991. View additional photographs at homeelementsandconcepts.com. Abel Contemporary Gallery 6858 Paoli Road Paoli, WI 53508 608.845.6600 abelcontemporary.com 26 Additional photos at homeelementsandconcepts.com
ARTIST-MADE
TM
WANTOOT.COM
MODERN AMERICAN ART AND CRAFT
IN AMERICA
236 HIGH STREET, MINERAL POINT, WI 608.284.5927
HOME ELEMENTS & CONCEPTS 27
LANDSCAPE
After Renovated porch and terraced gardens framing the entrance.
Moving to the COUNTRY
by Joan Ziegler
Previous front porch and landscape.
Before 28 Additional photos at homeelementsandconcepts.com
Our clients thought it would be fun to move to the country and found an old farmhouse on 27 acres in southern Wisconsin. But moving from a shady, well-established urban garden in Appleton to an expansive rural landscape presented a few challenges. Having seen many changes, the two-story, 1904, brick farmhouse looked lost and disconnected. Its porches had been renovated with little thought to historical accuracy or accessibility. The patios had breathtaking views of the countryside but felt too exposed and detached. Transforming this farmstead into a country paradise required recreating its sense of place to be both sheltered from and connected to the surrounding landscape. How do you create a sense of place within a bucolic landscape that boasts expansive views, a vast lawn, and
a lone silo? Landscape architect Steve Ziegler selected a palette of white pine, spruce, oak, and redbud to define the yard, blocking undesirable views and framing the greater landscape. He then placed a 5-ton, 14-foot-long, native outcrop rock in the open lawn to balance the silo’s strong vertical line, bringing the yard into focus and providing a place for the eye to rest. Retaining walls built with stone reclaimed from local barns were designed to improve access and settle the house into the landscape. The front and rear entries were redesigned for easier access and to enhance the historic character of the house. All of these features combine to form an intimate landscape around the house, inviting the owners to enjoy the patios, play in the gardens, and savor the views. Specialty evergreens, trees, and shrubs provide structure for the owners’ extensive gardens that frame the house View of the back stoop gardens.
After
HOME ELEMENTS & CONCEPTS 29
and patios. Daylilies, black-eyed susans, and coneflowers inherited with the farm are woven throughout the gardens, adding continuity and connectivity to the past. Elements retained from the existing landscape, the concrete patios and walkway along the side of the house, are now better connected to the house with new pathways and framed by lush gardens and reclaimed-barn-stone walls. A tough challenge to solve was the dangerously steep backdoor
steps. Although this wasn’t the front door, it was the owner’s primary access to the upper patio, clothesline, and backyard. It was also where the dogs were let in and out—a big part of their daily lives. These back steps and the steep path up to the yard were replaced with a new stoop designed to bridge the gap and easily accommodate people, large dogs, a chair, and decorative pots, creating direct access to the patio and gardens. Stone steps flanking
Sloped path to back door.
New path through the garden to the back stoop.
Before
After 30 Additional photos at homeelementsandconcepts.com
After Renovated back entrance with gracious stoop framed by gardens.
the stoop provide access to the existing lower patio and walk leading from the backdoor to the driveway. The front porch was redesigned to improve access and complement the architecture of the house. The existing pillars and roof were maintained, but the concrete was replaced with low-maintenance ipe-wood decking. Low railings were added to provide a sense of enclosure without obscuring the view, and generous wood steps and handrails improve accessibility. The existing concrete path and steps leading to nowhere were removed, and a new paver walkway was installed to connect with the drive across from their detached garage. Barn-stone walls raise and level the grade around the house and provide terraced garden beds with an evergreen tapestry hedge to frame the house and front porch.
Before Back entrance with steep steps.
A collaborative design process with the owners and design team was key to addressing the needs and goals for their new home while creating a genuine sense of place. HOME ELEMENTS & CONCEPTS 31
After New gardens framing views from patio.
Connecting the home both physically and visually with the greater landscape and incorporating existing features and reclaimed materials creates a landscape that looks like it’s always been there. The reimagination of this farmstead in rural Wisconsin transformed an unsafe and uninspired landscape into an avid gardener’s country paradise with grand views and comfortable spaces to gather and enjoy the beauty of nature. Exposed patio overlooking the countryside.
Joan W. Ziegler is a horticulturist and garden designer at ZDA, Inc. Landscape Architecture, and winner of the 2015 Perennial Plant Association Merit Award for Residential Landscape Design. Photographs provided by ZDA, Inc. Landscape Architecture. View additional photographs at homeelementsandconcepts.com.
Before 32 Additional photos at homeelementsandconcepts.com
ZDA, Inc. Landscape Architecture 4797 Capitol View Road Middleton, WI 53562 608.831.5098 zdainc.com
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HOME ELEMENTS & CONCEPTS 33
BUSINESS DESIGN
34 Additional photos at homeelementsandconcepts.com
Foundation in Aesthetics
Pasqual’s Cantina by Kyle Jacobson
When it comes to designing within any existing structure, the limitations can feel inhibiting. But in July 2016, Benjamin Roberts didn’t just find a way to make his newest Pasqual’s Cantina work in a tan-bricked historical building on East Washington, he created a restaurant that feels both fresh and familiar with key elements lending themselves to efficiency.
And it’s that quality of efficiency that provides a base layer on which style can be created. “I like to design them [his restaurants] so that they’ve got a general restaurant feel without making them too specific of a concept,” says Ben. “So that if in the future we were to change, we can.” The first exposure to that restaurant feel happens when a customer arrives through the columned neoclassical entryway to the host stand. To the left is a long dining room with the original brick floor. Bordered by white walls showcasing photography and a large painting at the end, I felt as though I were in an outdoor gallery space somewhere in western Europe. A long, tufted vinyl booth stretches along the north wall, and each thin, tall window along the south wall has a table of thick Russian pine and a set of four chairs. Waitstaff are able to get to their tables efficiently via an entrance from the kitchen to the middle of the room. When it’s cold outside, hanging barn doors on rollers are closed, providing literal and figurative warmth.
The host stand shares the rustic design of the bar.
As charming as the dining room is, I found myself more at home in the area to the right of the host stand: the bar. The amount of effort Ben put into creating this space manifested into something industrial and contemporary that confidently carries the spirit of cantina. A southwesterndesigned bar skirt contains a large round bar prominently displaying 150 tequilas on dark bookshelves under studio
HOME ELEMENTS & CONCEPTS 35
lighting. The shape of the bar allows for more seating and is quite functional, allowing bartenders to go all the way around without hitting a wall. The ease at which bartenders can access everything, the cool look of the bar, and the fact that patrons can easily interact with one another speaks to the harmony between conceptual planning and design. Ben also says that in all the Pasqual’s, regardless of whether the day’s customers are individuals or families, the bars fill up first. Is this a trend in today’s dining scene or the result of making the bar a point of interest with conscientious design decisions? I cannot say, but it’s apparent that a part of Ben went into the way reclaimed items and aging elements of the building are incorporated with the new aspects. “We’ve got these tin ceiling tiles, which came out of the old opera house building in Middleton.” Looking up at the
36 Additional photos at homeelementsandconcepts.com
Lighting is used to highlight historical features and thematic décor.
floral-patterned tiles leads onlookers to consider the sealed bare-wood ceiling, with some support beams replaced for structural reasons. Low-hanging lights, encased in red and clear glass, link the bar top to the ceiling and really fit the feel of the wood. The building itself was erected in 1885. Over that time, a few additions were made, which leads to what might be my favorite aspect of the barroom. A portion of the wall by the host stand that was once the outside of the building has the weathered bricks on full display, highlighted by a painting and studio lighting to ensure it doesn’t go unnoticed. Outside, a large, two-level patio fills up part of the parking lot. “We would not open a restaurant without a patio,” Ben says. “People in Madison—the demand for patios the
HOME ELEMENTS & CONCEPTS 37
minute it gets above 48 degrees is very high.” Where the upper level, with a dark composite-board floor, feels a bit like sitting on the back porch, the lower level carries the air of a café on concrete slabs enclosed by a knee-high brick wall. Since everything at Pasqual’s is made from scratch, the functional design decision had to be made to expand the kitchen. Having plenty of room for ovens, grills, and a big soup kettle is nothing short of essential. It’s one of those design elements that won’t be noted by the eyes, but by the taste buds. From the layout and zoned flow to the character and décor, Pasqual’s on East Washington builds on being a restaurant first and foremost to become something adaptable and
38 Additional photos at homeelementsandconcepts.com
thematic. Ben’s choices result in a place families, groups, and individuals will appreciate. Kyle Jacobson is exploring how well his background writing beer articles for Madison Essentials lends itself to understanding the intricacies of design. Photographs by Eric Tadsen. View additional photographs at homeelementsandconcepts.com. Pasqual’s Cantina 1344 E. Washington Avenue Madison, WI 53703 608.819.8002
HOME ELEMENTS & CONCEPTS 39
HOME REPAIRS
IS YOUR HOUSE
Breathing or Suffocating? by Christopher Eaglin
One of the main purposes of a house is to keep the elements out—to be a barrier between yourself and a blizzard or a heavy spring rain. But your attic is a very important exception to the rule. In fact, many aspects of attic ventilation may surprise you.
problems Wisconsin homeowners face. The symptoms are easy enough to recognize: ice damming, excessively large icicles, warm attics, and heat blisters on the roof. Knowing about common ventilation problems and some inexpensive solutions will help you save time, money, and stress.
Here at Christopher Ross Contracting (CRC), we’ve noticed that poor attic ventilation is one of the most common
When a roof is properly ventilated, it will be close to the outside temperature. This is why insulation is normally on
Ice damming on roof.
40 Additional photos at homeelementsandconcepts.com
Photograph provided by Christopher Ross Contracting
Roof blisters are a sign of poor attic ventilation.
Photograph provided by Christopher Ross Contracting
Soffit vents.
the bottom of your attic and not the top. In the diagram, you’ll see that the poorly ventilated attic is warmer than the air outside, which then heats up the roof. The snow melts and travels down to the eave of the roof. Once the water travels to the eave, it cools because it’s no longer heated by the attic. It freezes on the eave or in the gutter and expands. The snow keeps melting, and the ice dam keeps growing up the eave of the roof. The ice pushes up under the roof shingles and then melts from the attic’s warmth. Many unfortunate Wisconsinites don’t notice until the ice melts in their attic and drips through the ceiling. Good ventilation circulates the attic air with the outside air. The amount of ventilation required on the top and bottom of your attic can be found in your local building codes. The idea is to create air circulation from the bottom to the top of the roof. Venting in the middle can actually make things worse because it will disturb the air flow. Usually the bottom of the attic is vented with the soffits and the top with box, ridge, or gable vents. CRC has noticed some common construction mistakes while working around Dane County. Some vents are just installed for looks and not cut into the attic. Bill from Sun HOME ELEMENTS & CONCEPTS 41
Prairie recently found out that his vents were just for looks after living in the house for two decades. His roof had been suffering from ice problems and heat blisters for years. Another common mistake is hooking up bathroom vents directly to the attic vents. CRC finds this a lot, and it basically stops the attic vent from working properly and also doesn’t allow adequate ventilation for the bathroom. There are roof vents made for the purpose of venting bathrooms, and it’s important to use them because they close when air isn’t being pushed through. It should be noted that a common shortcut is to not hook the bathroom vent up at all, and just let the oftentimes moist air blow into the attic. This is a bad situation and commonly goes unchecked for years until mold starts to grow in the attic. As a homeowner, it’s recommended to check the attic in the area above your bathrooms to make sure the bathroom vents are hooked up with duct work. Some houses have the roof insulated rather than the attic. In an unfinished attic, the insulation belongs on the
Gable vents.
42 Additional photos at homeelementsandconcepts.com
bottom. It’s important to insulate your living spaces but not the attic itself, as you want this to be as close to the outside temperature as possible. If you have a finished attic, it’s recommended to have a ridge vent. Ridge vents can be installed without replacing the entire roof and allow continuous venting between the roof rafters. Be aware that if you own an older home, common practice was to not include bottom ventilation. Upgrading to vented soffits is a great way to fix this problem. The best solution is to wrap the soffits entirely because then not only will your soffits be ventilated properly, but you’ll also have improved the look of your property while making your soffits completely maintenance free (no more painting fascia and soffits every few years). But if you’re looking for a low-cost, do-it-yourself solution, upgrading to circular vents on the soffit should give your attic the air it needs. Just be sure to use the right-sized hole saw bit. Proper roof ventilation isn’t something homeowners generally think about. If this is true for you, consider
Photograph provided by Christopher Ross Contracting
Ridges vents allow for continuous venting between roof rafters. It is best practice in most situations, but especially important if you have a finished attic. They can easily be added to an existing roof.
contracting an expert to either install or inspect your roof to ensure you don’t encounter any costly repairs in the near future.
Photograph provided by Christopher Ross Contracting
A box vent.
Christopher Eaglin is the owner of Christopher Ross Contracting (CRC). They provide insulation, siding, roofing, gutters, and window services in the Greater Madison area. He has been well received and reviewed by Madison property owners since he incorporated his business in 2009. Before that, he worked in the ventilation field for other companies as a subcontractor, and, before that, as an employee. His various roles in the ventilation industry make for well-rounded experience. Customer names have been changed for privacy purposes. Christopher Ross Contracting 1310 Mendota Street Madison, WI 53714 888.755.1272 crcwi.com
HOME ELEMENTS & CONCEPTS 43
44 Additional photos at homeelementsandconcepts.com
Help Create a More Humane Tomorrow Adopt Donate Volunteer Host a Fundraiser Schedule a Tour or Presentation
Dane County Humane Society giveshelter.org (608) 838-0413
HOME ELEMENTS & CONCEPTS 45
Photograph by Jyothi Froemming
COMMUNITY INITIATIVES
Common Wealth Development
Visit us at our main office!
by Karen Bednar
In 1979, when Common Wealth Development (CWD) opened, Willy Street was considered a blight. CWD was created out of this with dedicated neighbors. They said we need affordable housing in perpetuity—housing as if people mattered. We need to have business incubators to cultivate a local economy, and we need workforce training. Thirty-nine years later, with parallel processes that occurred in Madison’s city development, here we are, in an invigorated Willy Street. CWD is a community development organization centered on healthy housing, equitable economic development, and sustainable land use. Our mission is to support and preserve the vitality of neighborhoods in the Madison area. 46 Additional photos at homeelementsandconcepts.com
Our work serves as the foundational bedrock of healthy community and economic development, with projects aimed at improving the housing and business climate of our neighborhoods through a people-first approach rooted in racial equity and a commitment to community-level health improvement. Our core program areas include: • Providing safe, stable, and healthy housing opportunities for renters and aspiring homeowners. • Supporting young businesses through affordable space and business incubation.
• Coaching youth and adults in financial fluency, job readiness, and entrepreneurial leadership.
• Supporting the retention and sustainability of affordable land in Madison and Dane County.
Our approach to community development forces us to think about how our infrastructure and economic development activities serve as the drivers toward equity and inclusion. Stephanie Bradley Wilson, CWD’s director of health equity and violence prevention, is managing the implementation of evidence-based strategies for enhancing neighborhood safety as an aspect of CWD’s violence prevention work.
CWD’s housing portfolio consists of 111 affordable housing units in East Madison, and 35 units in West Madison. Additionally, CWD has 23 single-family homes in our leasepurchase program, making home-ownership a reality for low-to-moderate-income families.
CWD also supports two business incubators, Madison Enterprise Center and Main Street Industries, within the booming Madison makers’ corridor. The business incubators support our quadruple bottom line: economy, environment, equity, and education.
• Integrating comprehensive community health approaches to citywide violence prevention efforts.
Photograph provided by Common Wealth Development
Yahara River View Apartments—an affordable and energy-efficient housing community. All 60 units are accessible and 12 are barrier free.
HOME ELEMENTS & CONCEPTS 47
Photograph by Karen Bednar
Since 2014, Common Wealth Development has partnered with the City of Madison to support teens in paid summer internships with various City departments through the Wanda Fullmore Summer Internship Program.
The incubators provide affordable space within a creative entrepreneurial community, supporting small and expanding businesses while stimulating economic development within the region. A short list of our success stories include: shopbop.com, Full Spectrum Solar, Virent Energy Systems, Just Coffee, Applied Tech Solutions, Yumbutter, Filament Games, and Artful Home.
Photograph by Paula A. White
Bubble Mobile at Willy Street Fair.
“Quince & Apple | Treat has been so lucky to be part of the Common Wealth family,” says Clare Stoner Fehsenfeld, co-owner of Quince & Apple. “Starting our business at the Madison Enterprise Center, we were able to pay very affordable rent and incrementally increase our space in line with our growth. When we graduated from Madison Enterprise Center, we were lucky enough to find the perfect space at Main Street Industries, and we are so happy to be here. Common Wealth is hugely important to our community and provides awesome support for small businesses to startup.” Justice Castañeda, CWD’s executive director, says, “We have programming supported by our revenue. We are fortunate to be able to use the revenue from our operations to support our workforce development programming.” Revenue from commercial and residential spaces feeds back into those systems, as well as supports CWD’s other community engagement efforts. For example, when you purchase preserves from Quince & Apple, in addition to supporting an amazing local business, you also support
48 Additional photos at homeelementsandconcepts.com
health equity, employment, and educational opportunities for youth. In the next four years, in partnership with community health leaders and The Community Collaboration Grant, provided by the University of Wisconsin–Madison School of Medicine and Public Health from the Wisconsin Partnership Program, our efforts to comprehensively support adults in employment and housing within the wider framework of health equity will grow. “We believe in treating a family like a family,” says Angelia McNair, a CWD housing specialist. “You can’t help someone without acknowledging the sense of being.” Next year, CWD will be celebrating a fabulous 40th anniversary. Looking back on the last 40 years, we can look ahead at the next. While yesterday laid foundations
for today, we are not beholden to doing today what we did yesterday, though we will uphold our commitments. Community to us is a verb. It’s a process, a conversation, and a dialogue. Karen Bednar is the Fund Development Director of Common Wealth Development. View additional photographs at homeelementsandconcepts.com. Common Wealth Development 1501 Williamson Street Madison, WI 53704 608.256.3527 cwd.org @CommonWealthMadison
Photograph provided by Common Wealth Development
Common Wealth Development opened an office in West Madison on 5902 Raymond Road last November, which includes housing, health equity, and violence prevention offices.
HOME ELEMENTS & CONCEPTS 49
– Advertiser index Action Outdoor Kitchen 21
Enter the – Drawing to Win
Another Home 33 Christopher Ross Contracting 44 CLUCK the Chicken Store 27 Coyle Carpet One 27 Dane Buy Local 39
15, 45 Decker Cole Interiors 33 Dreamhouse Dreamkitchens 2 Garden Search & Rescue 15 Iconi Interiors & Consignment 21 Kitchen Ideas Center 51 Luxi Stone 39 Madison Gas & Electric 15 Madison Lighting 5 McGann Furniture Inc. 44 Monroe Street Framing 5 Pieces Unimagined 33 Qual Line Fence Corp. 5 RE/MAX Grand Sauk Prairie 39 The Sweet Country Life 33 UW Credit Union 52 Vault Interiors & Design 21 Wantoot 27 Willow Creek 33 Wolff Kubly Hardware 39 Dane County Humane Society
– PLEASE SUPPORT OUR SPONSORS! Towns & Associates, Inc. is happy to provide local lifestyle magazines free of charge to the Greater Madison area. We could not do so without the support of our advertising sponsors, and we appreciate every one of them. We hope that you, our readers, will consider them when deciding where to dine, shop, and play, and when you need services. These businesses represent the true entrepreneurial spirit of our community!
50 Additional photos at homeelementsandconcepts.com
WOLFF KUBLY
Housewares • Hardware • Garden • Time Center
Win a Charbroil Electric Patio Bistro Grill in Badger Red New from Charbroil! No need for charcoal or gas. TRU-INFRARED SYSTEM ensures your food is evenly cooked. Great for condos.
Valued at $220. Enter by submitting your name, mailing address, phone number, and email at homeelementsandconcepts.com, or by mail to: Home Elements & Concepts c/o Towns & Associates, Inc. 126 Water Street Baraboo, WI 53913 All entries will be entered into a drawing. Deadline is September 10, 2018.
Good Luck!
Winner Thank you to everyone who entered our previous drawing. The winner of a Weber Premium 22 Charcoal Kettle Grill with cover and 3-Piece Tool Set from Wolff Kubly is Tracy Johnson of Madison.
Congratulations!
Providing quality cabinetry for discerning homeowners, designers, and contractors since 1980 Kitchens, baths, closets, pantries, bars, entertainment areas, bookcases, built-in storage, home offices, laundry areas, crafting spaces, basements, wine rooms, garages, professional innovative design and CAD drafting
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Renovate Your Home Home Equity Line of Credit Rate Discounts
INTRO RATE FOR 12 MOS.
Variable Rate Line of Credit1 RATES AS LOW AS
Variable Rate After Intro Period
1
% 1.99 APR*
% 3.99 APR*
Start your project, consolidate debt or pay for just about anything you need. Plus, pay no closing costs.*
Visit uwcu.org, stop by a branch or call 800-533-6773. *APR is annual percentage rate. Rates are subject to change. The minimum loan amount is $5,000. The one-time charge of $149 that applies to newly booked HELOCs due at closing is waived through December 31, 2018, except appraisal costs or title insurance, if required. Member is responsible for appraisal costs ranging from $400 to $600, if required. Property insurance is required. Promotional rates are for fixed home equity loan segments and new combined home equity line requests received between 2/15/18 – 12/31/18 and closed within 30 days of request. Rates shown are for homeowners with 70% loan-to-value. Refinancing of existing UW Credit Union HELOCs does not qualify for the closing costs offer. Existing HELOC limits must be increased by $5,000 or greater to receive the intro rate promotion. Appraisal costs or title insurance may apply. 1The introductory rate of 1.99% APR is valid for new UW Credit Union home equity line of credit requests received between 2/15/18 – 12/31/18 and closed within 30 days of request and is valid for homeowners with up to 80% combined loan-to-value (CLTV). Intro rate is 2.99% for up to 90% CLTV and 5.99% for up to 100% CLTV. APR will be fixed at the introductory rate during the 12-month introductory period. No annual fees. Offer is subject to normal credit qualifications. Rates are subject to change but cannot exceed 18%. Some restrictions may apply. After the twelve-month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18%, and the APR will never fall below 3.99% for HELOC 70%, 4.49% for HELOC 80%, 4.99% for HELOC 90% or 7.99% for HELOC 100%. During the introductory and 5-year draw periods, the minimum monthly payment for HELOC 70%, HELOC 80% and HELOC 90% will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. The minimum monthly payment for HELOC 100% will be (a) $100 or (b) 1.5% of the outstanding balance, whichever is greater. However, if you exceed the maximum principal loan balance allowed under your agreement, you will also be required to pay an amount sufficient to reduce your principal loan balance to the maximum principal loan balance allowed under the agreement. Balances of less than $100.00 must be paid in full. Late payment fee: $10 or 5% of your monthly payment, whichever is less.