November 18 Real Estate Weekly by Stillwater News Press

News Press Stillwater

REALESTATE W E E K LY Your best source for weekly real estate news and listings for Stillwater and surrounding communities

Novemeber 18th, 2021

3.09% Offering slight relief to home buyers, the 30-year fixed-rate mortgage fell last week.

2109 N Briarwood St

5215 Spring Creek “Establishing a Tradition of Trust”

$215,000

Real Estate Professionals www.stw-realestatepros.com 405-372-5151 5919 W 4th

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$275,000

3000 Range Rd $840,000

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$820,000

Factors to consider when choosing a mortgage lender

Stillwater NewsPress • Thursday, November 18, 2021

A home is the most significant purchase many people will ever make. Perhaps because of that, many buyers, particularly those purchasing a home for the first time, are understandably nervous about the home-buying process. The decision regarding which home to buy warrants ample consideration, but so, too, does the buyers’ choice of lender. Mortgage lenders can be found all over the internet, and the sheer volume of lender options can make it hard for home buyers to find the right fit for them. Couple that with lending-related terminology that many first-time buyers may be unfamiliar with, and it’s easy to see why prospective homeowners can feel over-

1. Reputation/ recommendation Just like other businesses, lenders have reputations, and oftentimes those reputations can be determined via some simple online research. Peruse online reviews to deter-

Thank You, Customers and Clients, for the privilege of helping you with your 2021 Real Estate and Insurance needs. Have a Blessed Thanksgiving.

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whelmed about the process of borrowing money to buy their homes. When looking for a mortgage lender, prospective homeowners should never forget that the choice of lender is, in most cases, entirely theirs to make. When making that decision, a host of variables should be considered. The following are three such factors that, upon ample consideration, may help buyers rest easy knowing they did their due diligence when looking for lenders.

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BARBARA HOUCK - REALTOR® - 747-8804 KENT HOUCK - REALTOR® - 372-7060 JOHN GAGE - REALTOR® - 612-6068

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mine what past buyers felt about a given lender. If possible, ask friends, family or colleagues who they worked with to secure a mortgage.

cally dictated by the financial industry and prospective buyers’ credit history and financial standing. When speaking with potential lenders, ask for a run2. Fees down of their fees, Fees vary from and the services lender to lender. those fees include, Fees should not be and closing cost esmistaken for interest timates in writing, rates, which change then compare and daily and are typicontrast fees and

costs of various lenders before making a final decision. Some lenders may charge considerably more in fees than others, so buyers should put in the effort necessary to comparison shop. 3. Personal interaction Buyers, especially those who have never before

purchased a home, will likely have lots of questions. This is where personal interaction with a prospective lender should be noted. Securing financing for a home purchase can sometimes seem like an impersonal process, but it doesn’t have to be, and many lenders are happy to answer

buyers’ questions. Lenders who answer questions quickly and clearly can make buyers more comfortable about the home buying process. Buyers may want to avoid lenders who seem evasive or unwilling to answer questions in writing. – MetroCreative

3716 m/l $1,800,000 - Lori K. 502S.N.Perkins Burdick - 3 -2Prime 1623 ft Close to Property, Sho in 10-acres & Schools - -225 000 - Donna 9366 NERd. HWY 33 - 3sCommercial bed, 3 bath on .75-acre m/l - $275,000 - Ann 11620 - 4.98-acres m/l with aCountry pond. Just minutes from major - $60,000 - Lori K. 2023W.E.100th, Linda Ave - Large corner lot with outbuilding. 3BR/2.5BA sq cities. ft $248,000 – Tiffany 5020Coyle W 10th - 4 bdrm., Stillwater Club, largeOver lot - 1900 $360,000 - Tiffany 4810Hollow Aloysius - 3/2.5/3, 2186 2104 sq. ft. -Golf $349,900 - Lori$274,000 C./Jennifer 814 S. Rock Ct. -Dr. SWDr. area /Bed, over 1990 sq ft/SCC Cart access – Tiffany 10217- S Brenna - 4North 3.5 Bath, sq.Ripley ft. - $490,000 5607.1 S Mehan 41.5-acres, Just of 68th & 2,891 Mehan, Schools -- Ann $257,300 - Tiffany 9715 E. Horizon Dr.bdrm./3 - 50 xE60 livestock barn 5 acres with no restrictions $100,000 – Lori K- PENDING 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of OSU Campus! - $343,000 - Tiffany any 0000 760 Rd., Agra -on 19-Acres - $71,250 - Montie 0 W.Crescent 19thAve. Ave -#43 inside Stillwater city $350,000 –home Lori K- $145,000 354 S Council Rd., - 7.48 29-acres of undeveloped landlimits for your new - Tiffany 6000 N Pennsylvania - acres 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany 1800 Creek N.-Benjamin 3/1/1, 1121 sq. ft.lot - $139,000 -$89,000 Melissa -Lori PENDING 801 S. Burdick 3BR/1.5BA, 1.5 story on 1371 sq ft a C PENDING! 1408 N. M5215 Spring Cir. E - -2/1 1253 sq.large ft. on 3 Lots with Barn -–$299,900 - Lori K.00 – Lori 4517 1619 S. Hillside Ct. 1115 - 4/2/2; 1939 sq. ft.; Convenient Location - $249,000 - Melissa - PENDING Broker Associate Richfield Ct.Quiet, - -3BD/2BA 1775 ft $305,000 4713 WS.Country Club NICE Lot for sq sale - $25,000– -Tiffany Donna 20 onna J - 4/3, LoriC. - PENDING 5829 W Villas10 Ct. 3094 sq. ft. on 2 lots with a Pool & Storm Shelter - $494,900 - Lori Lori 405-612-6724 N. Monroe 3BD/2BA 2321 ft $208,000 –sq. Tiffany Shumard Oaks - 5Brk. Nice Lots Construction, for you tosq build your new home -PENDING! $27,000 -- Donna 60232923 Haydans -- New 4/2, 2075 ft. - $338,500 Lori nK. 7917 Pickles Gap Nice large lot in Perkins School District $22,500 – Lori Scotthaven - Nice in Perkins District/starting at - $45,500 - Donna 608 Hwy. 177Addition - 3/2/2, 1785 sq.Large ft. andlots 4-acres With School Storm Shelter - NEW PRICE $240,000 - Lori K. 6021 Hallies CONSTRUCTION 4BD/2BA sq ft C. $379,900 – Lori 2121 Post Oak Dr.Rd. - Meadow 4/2, 1405NEW sq. ft., Ready - $149,900 - Lori & Jennifer PENDING 5607 S Mehan - 52.5-acres forMove Sale, In Will Divide, Ripley2347 Schools - $349,000 - -Tiffany y5,900 1408 N.PEND Mai 5005 – Lori iffany 5504 W Creekside Dr. GATED COMMUNITY, Radiant Luxury, 5/4.5, 5823 sq. ft. $1,700,000 Dolores/Tiffany N Perkins Rd 4000 sq ft warehouse Oh the possibilities $399,900 – Donna 00 E 810 Rd., Tryon - 53.34-acres. Hunting/Building/The possibilities are endless - $224,028 - Kyle 9001 Cedar Crest Trail - 4 bdrm./3 Kitchen plus C11 –- $1,100,000 - Tiffany 5706 W. Garden Pointebath/5-acres/Pool/Summer Dr.Lots - Gated Community 3BD/3BA, 2754 sq more!! ft $550,000 Ann 1218 W 12th 4 Commercial in a very High Traffic area/starting at $255,000 Ann 18575 Deer Pointe - 3/2/2 on 2.5-acres, 1917 sq. ft. - NEW PRICE $268,000 - Kyle 3618 W. Fountain ViewGap Ct. ---5BD/2.5BA, in ground pool for - Woodland Trails--addn $362,900 3000 S.Pickles Range Rd. 41.19-acre bed, 4.5lot bath, 3.2-acres - $845,000 Tiffany/Dolores $820,000 7917 m/l,on Ready you to build! $22,500 - Lori –KTiffany 208 S. N. Duck Donaldson - 4BR/2BA 1851 sq ft - close to shopping &Stillwater schools $205,000 – Donna S. Boomer Rd. - Nice Commercial forof sale - $2,245,000 - Tiffany St. - Beautiful Office Building inBuilding the heart - $900,000 - Lori aK. 0 - Tiffany 719 Kar 3013215 910Main Kansas / Pawnee - 1936 farmhouse / 112 acre lot with outbuildings 120211 W Tyler - CALLING ALL INVESTORS, 2 Building, Units, Apts., 2INVESTMENT bed, 1 bath - $129,999– $950,000 -Tiffany Dolores/Tiffany E. St., St. Coyle - 64 Unit Storage GREAT - $165,000 - Donna r ri- Lori- K. 3337 Ct.- -Ripley, in Berry bed, 2.5 bath $397,900 Donna 11 iffan 415 W. 80th -New 52.65Construction acresCute ruralhome property, noCreek, restrictions $300,000 – -Lori 505WS.Charleston Morton Ave. OK, across from 4the School - $75,000 5919 WS. 44th St.- -Downtown UPDATED, 6-acres, 4 bed, 4 bath, w/Shop, 3596unit sq.$395,000 ft. - $840,000 - Lori C. 617 Main Stillwater commercial unit plus apartment – Tiffany 2923 - 3 bdrm./2 bath/Study/Game One block to Boomer - $219,000 29 N.NMonroe Tiffany 2109 Briarwood St. - UPDATED, 4/2, 1555 Room. sq. ft. Great Location - NEW Lake PRICE $215,000--Tiffany Donna 830456 3354 /1Carney -3BR/2BA ft to -with out building – Lori$275,000 000 N Creek Glenwood 9Rd lots platted for duplexes Boomer - $420,000 - Tiffany 719 Karen , 0 -- Tiffany 5215 Spring Cir.S.ECt. - 2- bed, bath, 1253 sq. ft.1468 on close 3sq lots a barnLake -$199,900 NEW PRICE Lori K. 111 E. Tower / Perry 3BD/1BA 1118 sq ft $79,800 – Tiffany Rd.Pickles - 2.5 miles of Hwy. 18 lot & Ein760 Rd., School 19-acres PRIME Land - $75,000 7917 GapW- Nice large Perkins District - $22,500 - Lori - Montie 1408000 N. E 760 ,900 - Lori 2707 W 44th --10.86-acres m/l, Just West of Western - $250,000 - Lori K. - Lori N. Burdick - 3BR/2BA sq ft Close to shopping & schools $209,000 – Donna 6021502 Hallies Meadow NEW 1623 CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 Roka Hidden Lake -214 Beautiful Lots on the North - $52,500-$79,000 K. iffany 2923 5005 920, 920 1/2 S. Duck .- -4,000 Investment properties, homes, 5possibilities bedrooms total $160,000-- Lori – Amy N Perkins Rd. sq. ft. warehouse -2Oh, theSide - $399,900 Donna 608101 Hwy. 177, Carney 3/2/2 on 9.41-acres m/l NEW PRICE $275,000 Lori K. W. 80th - -Commercial building and shop on2,754 11.5 acres $4,000,000 – Lori$495,000 57061408 W. Garden Pointe Dr. Gated Community 3BR/3BA, sq. ft. NEW PRICE $510,000 - Ann N. M 35,900 - Lori 2113 N. Crescent Dr. - 4/2.5/2, 2439 sq. ft. GREAT LOCATION - NEW PRICE $345,000 - Ann 354 Cou ,500 - Tiffany 5011 W. - 10 acres of Stillwater $300,000 910S.Kansas St. Pawnee / NW 1-acre lot outbuildings - $129,999 - Tiffany 4517 0 - Lori 9366 NE /Hwy. 33 Lakeview - -31936 bed, farmhouse 3 bath, on .75-acre m/lwith - NEW PRICE– Lori $259,000 - Ann 522 12th - -Commercial building in downtown Stillwater –- Lori 1919 Brooke Hollow Ct. 4 bdrm./3 rural bath/Large Lot/North of OSU -$250,000 Campus! $343,000 - Tiffany 415 W.E.80th - 52.65-acres property, no restrictions $250,000 - Lori 354 - ffany Tiffany PENDING -6000 ,900 - Tiffany 354 Pennsylvania Ave. #43 - 2 commercial bdrm./2.5 Oklahoma - $129,000 - Tiffany S. Black Oak Dr. -Stillwater 4BD/3BA, 4813 sq ft Bath Georgian & style $950,000 – Donna 6172620 S.NMain - Downtown unit Condo, pluselegance apartment unitCity - $395,000 - Tiffany W Country Club NICE Lot for sale $25,000 Donna 4713 1304354 & 11111012 45,000 - Lori iffany N. Manning St. 3BR/2BA storm shelter, outbuilding $195,000 – Tiffany PENDING! E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany - PENDING Oaks Nice Lots for you to build2208 your sq new home - $27,000 - Donna PENDING - S. Shumard - $152,500 ,000 -Tiffany ft $239,000 – Tiffany W. 3rd- 5 - Close to campus 3BR/2BA 920, Duck2218 - 2 Investment bedrooms total - NEW PRICE - Amy - - - Donna 1304 & 920½ - Lori Scotthaven Addition - Niceproperties, Large lots 2 inhomes, Perkins5School District/starting at $45,500 14085607 N. Main / Perkins4BD/3BA 2098 sq Sale, ft NEW CONSTRUCTION on- $4,000,000 golf -course $325,000 – Lori 101 80th Rd. - Commercial building andWill shop on 11.5-acres - Lori S W. Mehan - 52.5-acres for Divide, Ripley School $349,000 - Tiffany Jenna Ln. - 3BD/2BA 1756 ftNW NEW $266,900 – Lori - Ann 1218 4517 W 12th - 4W. Commercial Lots in asqvery High Traffic area/starting $255,000 5011 Lakeview - 10-acres of CONSTRUCTION Stillwater - $300,000 -atLori 354 3000 Tiffany S.E.12th Range 4 bed, 4.5 bath, - $820,000 - Tiffany/Dolores 115E. 80th- Commercial - Rd. 14.5 -acres m/l Just North of3.2-acres 68th & Mehan - $121,075 - Tiffany 354 S.3 522 Tiffany building in on downtown Stillwater - $250,000 - Lori -Kyle 3215 S. Boomer Rd. --Nice Nicelarge Commercial for$950,000 sale - $2,245,000 - Tiffany E 80th office 3Building acres m/l – Lori- $950,000 354 Cou Tiffany 306 .Morton -7-00 Kyle 2620S505 S. Black Dr. 4,813 sq.home ft.on Georgian elegance & style Donna 270 . Oak203 -7 - ,Lori -- -Lori S.2707 Ave.- 4BR/3BA, - Ripley, OK, Cute across from the School - $69,900 Lori K. E 2nd - 4BD/2BA sq ft Split floor plan $175,000 – Ann PENDING &N 1306 24 ft. - $135,000 - Lori 14081304 N.000 Main /Perkins - 4BR/3BA, 2,098 sq.1717 ft. duplexes NEW CONSTRUCTION onLake golf -sq. $325,000 $315,000 - Lori K. 2707 W.S4 3202 317 Lori Glenwood Ct. - 9 lots platted for close to Boomer -course $420,000 - Tiffany Lori 6038 Haydans Brook 4BR/2.5BA 2183 sq ft $349,000 – Lori 45177917 Jenna Ln. - 3BR/2BA, ft. NEW CONSTRUCTION $266,900 - Lori -Donna PENDING 202 Pickles 5- -PENDING Gap - Nice1,756 large sq. lot in Perkins School District - -$22,500 - Lori 2112 N. Monroe - 2 Commercial buildings on 3 acres $600,000 Dolores 6021 6115 Hallies Meadow - NEW CONSTRUCTION 4BR/2BA, 2,347 sq.–ft. - -$379,900 E. 80th - 14.5-acres m/l just north of 68th & Mehan - $121,075 Tiffany Lori K. - Lori 5000 N Perkins sq.Crescent, ft. on warehouse - Oh, the possibilities - m/l $399,900 - Donna 354 S. Council sale office in OK - No restrictions 33.5 acres $167,000 – Tiffany 203 E.Rd. 80th- Land -Rd. Nice-for4,000 large 3-acres m/l - NEW PRICE $1,200,000 - Lori 415. W.as80th -S.52.65-acres rural property, no ftrestrictions - $250,000- - or Lori 801 Burdick - 3BR/2.5BA 1371 sq $87,000 – Tiffany 3202 E. 2nd 4BR/2BA, 1,717 sq. ft. Split floor plan $170,000 Ann PENDING 0000 S. Ann 920, 920½ S. Duck - 2 Investment properties, 2 homes, 5 bedrooms total - NEW- PRICE- $152,500 - Amy 44th - 15.86 acres - willbuilding look signs $317,000 Lori ffany 6038 Haydans Brook -divide, 4BR/2.5BA, 2,183 sq. ft.of- Western $349,000 - Lori, -–Lori 80th - Commercial and for shop on west 11.5-acres - $4,000,000 474 2707 .101WW. any Cedar 19th--10-acres 7.48 acres m/l of inon city3-acres limits $350,000 – Lori 2112 N.5011 Monroe - 2&Commercial buildings $600,000 Dolores W.Oaks Lakeview NW Stillwater --$300,000 --Lori N. Possibilities! $2,352,900 Lori 601 fany Lori 0000 Country Club Rd. - 20for Acres onwest Paved Road - $200,000 style--Ann $950,000 - Donna 2620 S.N.Black OakS.Dr. -- 4BR/3BA, 4,813 sq. ft. Georgian 2707 W 44th - 15.86-acres will divide, look signs of elegance Western -&$317,000 - Lori - PENDING Lori Crosby Donna Rhinehart 115 E. 80th - 14.5-acres m/l just ofin 68th & Mehan - $121,075 - Lori K. 4717 S. Turtle Pond Ct.&- Great m/lnorth Lotm/l for your - $45,000 - Tiffany Montie Stewart Monty Stewart Cedar Oaks 19th -.-acre 7.48-acres citybuilding limits -pleasure $350,000 - Lori Realtor Associate 203 E. 80th - Nice large office on 3-acres m/l -Dolores NEW PRICE $1,200,000 - Lori 3000 Range Rd $845,000 1-3 Lemon Realtor Realtor Associate N. Washington Rd. 151.8 acres m/l, OH the Possibilities! $2,352,900 Lori 4717 S. Turtle Pond Ct. - Great .-acre m/l lot for your building pleasure - $45,000- -Lori Tiffany PEN q.- $2,352,900 ft. - $349,000 OPEN HOUSE, SUNDAY 1-3 P.M. 405-612-4184 405-747-7306 405-372-5151 ngtonRd. Rd. -- 151.8-acres 151.8 acres m/I, OH OH the - Lori N. Washington m/l, the Possibilities! Possibilities! 5829 W Villas Ct. - $494,900 - Lori C.- $2,352,900 - Lori

Rising utility bills fuel sales of ‘tankless’ water heaters ABOUT REAL ESTATE DAVID MYERS that’s linked to a standard heater is usually much stronger, DOE says. And, you might have to buy two or more tankless units if you have a large family, a big house, or if you like to run your dishwasher and washing machine at the same time – especially while also taking a hot shower. ••• REAL ESTATE TRIVIA: Owners of a typical single-family home spend $2,060 for their annual gas and electric bills, the DOE says. About 29% is used to warm their house and another 13% to heat their water. ••• DEAR DAVE: I signed a one-year lease for my apartment in August, but now the landlord has informed me that the building is being sold. The new owner has since given me a written notice that I must vacate the premises within 30 days unless I agree to pay an extra $110 per month in rent. Is this legal?

ANSWER: Probably not. Real estate laws in most areas require rental-property investors -- like your building’s new owner -- to honor terms of any existing leases signed by a previous owner, provided that the tenant makes the rental payments in a timely fashion and adheres to all other terms of the original agreement. Of course, if you stop making your rental payments or break other terms of the lease, the new owner can evict you and then sue for any back rent you may owe and any damages that might be caused by you while living there or moving out. Contact your local rent board or similar agency for details about your rights. ••• DEAR DAVE: We recently retired to Arizona and were surprised to learn that people here don’t observe Daylight Saving Time, which always required us to

move our clocks one hour forward in the spring and one hour backward in the fall. That’s fine with us, but why don’t all the other states follow our new state’s lead? ANSWER: Daylight Saving Time, or DST, was established in the United States in 1918 to save energy and also to preserve oil and fuel needed by the Army during World War I. Most of the nation’s people were happy about the approval of DST because it gave them an extra hour of morning sunlight in autumn and another hour of light when spring came around.

Arizonans, though, didn’t like the idea. They complained that an extra hour of sunlight would just mean one more hour of the desert’s blistering heat, so they used their constitutional right to reject the federally approved measure. A Congressional proposal that was introduced in 2015 to force Arizona to adhere to the Daylight Saving Time rule was quickly withdrawn after citizens and lawmakers from the Grand Canyon State testified that it would raise their air-conditioning bills and worsen the nation’s energy

crisis. Hawaii doesn’t observe DST either, largely because it’s relatively close to the equator -- the midpoint of Earth where the sun and moon equally share their 24 hours of darkness and light, 365 days each year. Some lawmakers in California are now considering the elimination of DST as well, thanks to the state’s famously sunny days and some recent reports that link the extra hour of nighttime darkness in autumn and winter to higher rates of mental depression and even suicide.

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through the use of a gas-fueled pilot light or electric power source. The cost of buying a tankless water heater and then having it professionally installed can vary widely, depending on the manufacturer, the difficulty of installation and other factors. But you should expect to spend between $1,500 and $2,500, according to cost-estimating website homewyse. com, which offers a free online calculator to price a variety of home-related projects based on the property’s ZIP code. Conventional heaters tend to cost $500 or $600 less than their tankless counterparts. But despite those upfront savings, the U.S. Department of Energy (energy. gov) reports that a certified Energy Star tankless heater can save the typical family $100 or more each year in utility expenses. Those annual savings can be compounded, the DOE adds, because a tankless heater can last 20 years, while a conventional heater usually lasts only 10 to 15 years. Of course, there are drawbacks of going tankless too. For example, the hot-water stream from a faucet

Stillwater NewsPress • Thursday, November 18, 2021

More homeowners are scrapping their traditional water heaters and replacing them with tankless ones. The higher upfront cost can be offset by long-term savings in energy and water costs. DEAR DAVE: I see a lot of advertisements for “tankless” water heaters, but they always cost more than conventional water heaters. How do tankless heaters work? If I buy one, would it eventually save me money? ANSWER: Tankless water heaters, sometimes called “instantaneous” or “on-demand” heaters, are much smaller than traditional heaters. Most are about the size of a small television. When a hot-water tap that’s linked to a tankless heater is turned on, cold water is piped through the tankless gizmo and is quickly heated by either a gas burner, electric coil or similar element. That means that you don’t have to wait several seconds or even minutes for hot water to start flowing, which in turn cuts your water usage and also eliminates the expense of constantly keeping the water inside a traditional 40- or 50-gallon tank warm

Stillwater NewsPress • Thursday, November 18, 2021

Ensuring new tree success Deciding on what species to plant, making the purchase and planting is only a partial list of tasks involved in planting a new tree. Once the tree is in the ground, it is critical to follow a few more steps to help ensure its long-term success. These are not difficult, but based on hundreds of observations by tree care professionals; they appear to be steps that are often neglected, leading to premature death of the plant. For the purposes of this discussion, we will begin with the assumption that the tree has been properly planted and its water needs are being met. Proper mulching is critical. In addition to serving the important role of moisture management, mulch also helps to limit competition with turfgrass. In our area, bermudagrass is an especially vigorous competitor for water and nutrients and keeping it away from a small tree will pay big dividends over the first few years of the tree’s life. Always remember to avoid piling mulch up directly against the trunk of the tree. “Volcano mulching”, an industry term for poorly installed mulch piled around the trunk, acts as a

harbor for disease and insects. At the trunk-soil interface, only a small amount of mulch should be used. The depth of mulch can then be increased to 2-3 inches once you get away from the trunk. The mulched area should, at a minimum, extend a bit beyond the original diameter of the root ball, preferably two or three times the diameter if possible. Proper staking is also important. There are several ways to stake a tree, but the basic idea is to allow the tree some movement and make

HOME GROWN KEITH REED sure the stems/ trunk is not damaged by the staking material. Except in extreme cases, one year should be plenty of time to leave staking materials on a new tree. If you have a tree that has been staked for at least a year, leaf drop is a good time to remove it as the wind load will be

greatly reduced. Your tree may have come from a nursery with a protective wrap installed around the trunk. This serves to protect the tree during the shipping and handling process. This wrap can also protect trees from one of the most common environmental stresses

many species face, winter injury. This is also called southwest injury or sunscald. Winter injury is characterized by large sections bark splitting away from the trunk. This will almost always be on the southwest side of the tree. It is caused on cold but sunny winter days when the trunk warms quickly with the low winter sun. The bark wrap serves to prevent this overheating. My casual observations tell me that at least half of the maples planted in our area are damaged by this malady so it is an important fac-

Football

tor that should not be overlooked. Problems develop when this product is left on the trunk throughout the growing season. Just like with excessive mulch, wrap can harbor insects and disease. To prevent problems, remove trunk wrap each April and replace it again each fall (after leaf drop) until the bark begins to develop some signs of maturity. Finally, emphasize the importance to everyone who might be doing lawn maintenance on the property the importance of protecting/not

damaging the tree trunk with a weed trimmer or mower. Damage from these tools cannot be repaired and will compromise the health of a tree for the rest of its (now shortened) life. For more information of this or any other horticultural topic, you can contact Keith Reed, the Horticulture Educator in the Payne County Extension office. Keith can be reached via email at keith.reed@okstate.edu, phone at 405-747-8320, or in person at the Payne County Extension office, located at 315 W. 6th in Stillwater.

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Welcome home to a great neighborhood (Crosswinds) and your beautiful home. Built in 2004 with over 2,300sf, 4beds/2bath, and a bonus sunroom this home has a lot to offer. Located at the front of a dead-end road limits the traffic in front of the house. As you walk into the house you are greeted with the oversized Dining area which leads to the large living area with a gas fireplace. The kitchen has ample cabinet and counter space with an island for additional storage and food prep. The bedrooms are split with the master on one side of the house and the other 3 bedrooms on the other side. The master suite has plenty of space with a door out to the sunroom. The master bathroom has dual sinks with a separate shower and jacuzzi tub. The sunroom offers a nice bonus space with multiple options including potentially adding heat/air to the room to use it year-round.

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Reasons to shop Small Business Saturday NerdWallet

sold-out items and shipping delays in categories like toys, luxury goods and consumer electronics, Durbha says. Small Business Saturday shoppers might fare better, depending on what they’re searching for. Shops that sell secondhand goods or items produced in the same community will be shielded from much of the supply chain disruption, Durbha says. Shopping small for the holidays boasts other advantages, too. Shoppers can receive more personalized service and experience smaller crowds. Many small businesses also entice customers with exclusive discounts, promotions or freebies on Small Business Saturday – so saving money is still on the table.

4. YOU CAN FIND UNIQUE GIFTS Shop at Target, Walmart or Best Buy and you’ll find little variation among their product selection. “If you go to a big brand store, you can find that (inventory) in a thousand stores. But if you go to a small, locally owned business, you can find something very special and very unique for the holiday season,” Durbha says. Maybe that’s handcrafted jewelry, a print made by a local artist, a vintage record player or a gift card for the best bakery in town. See what interesting, rare or one-of-a-kind gifts you can discover on Small Businesses Saturday. TIPS FOR SHOPPING SMALL

Check your favorite local retailers’ websites and social media pages for store offerings, hours and event announcements in the days leading up to Small Business Saturday. You can also find participating businesses online using the American Express Shop Small map or by exploring hashtags like #shopsmall and #SmallBusinessSaturday. Then, start gathering ideas for your gift list. You can get a sense of what might be in stock and within budget when Small Business Saturday arrives. “Or get a head start on your shopping now,” Madrid said. “It’s never a bad time to support small businesses and to help boost your local economy.”

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Stillwater NewsPress • Thursday, November 18, 2021

overdue credit card ENVIRONMENT nia-based business bills. Your patronBENEFIT spend management age could give them The dollars you platform. a fighting chance. spend on Small “No shipping from When you think “I think we have Business Saturday across the globe about holiday shopto ask ourselves as make a difference and less packaging ping, your mind beyond retailers’ make for a smaller probably goes to big- consumers, would we be sad if a redoors. Small busicarbon footprint,” box retailers before tailer closed?” says nesses create local Durbha says. your neighborhood 3. IT CAN bookstore or antique Lauren Beitelspach- jobs and pay local er, associate profes- taxes, which keeps OFFER A BETTER shop. But in a time sor and chair of the money circulating SHOPPING EXPEmarked by widewithin communities. RIENCE spread supply chain marketing division at Babson College “By doing their Ongoing supply disruptions and in Massachusetts. shopping at local chain issues and inflation, underdog small businesses, inflation mean shopsmall businesses de- “And if the answer pers will likely see serve our attention. is yes, then we have customers can less inventory and Enter Small Busi- to find ways to shop directly support and support there their neighbors and higher prices this ness Saturday. when we can.” help benefit their holiday shopping Small Business Shopping and local economies,” season. Saturday is an dining on Small said Mark Madrid, “It’s basic ecoannual event creBusiness Saturday associate adminisnomics, right? The ated by American is one way to show trator for the Office supply is going to Express that enof Entrepreneurial be lower, and so the courages consumers appreciation for local businesses, es- Development at the demand is going to to shop at small pecially those we’ve U.S. Small Business be higher, and so businesses during depended on during Administration, in the prices are not the busy holiday the pandemic, Beit- an email. going to drop like season. It takes elspacher adds. Shopping small they have in the place the Saturday Remember the for the holidays can past. I’m not saying after Thanksgiving, also be environmen- that there won’t be which lands on Nov. restaurants you got takeout from tally friendly. When deals, but it might 27 this year. during stay-at-home locally owned businot be deals on the Here’s why you orders? Or the skin nesses locally source hot-ticket items that should consider care boutique that raw materials or we want,” Beitelshopping small for supplied you with manufactured prod- spacher says. the holidays, and hand sanitizer? ucts, it reduces the Flashy doorbuster what to expect. deals that big-name 1. MAIN STREET They were there for distance that goods us when we needed travel, says Madhav retailers traditionalBUSINESSES them; let’s return Durbha, vice presily flaunt during holNEED SUPPORT dent of supply chain iday sales might be The pandemic hit the favor. 2. COMMUNIstrategy at Coupa harder to come by. businesses hard. TIES AND THE Software, a Califor- Shoppers can expect Roughly 200,000 additional estabOPEN HOUSE SUNDAY 1-3 lishments – mostly small ones – per511 NE 4th Perkins - $130,000 manently closed beCome see this adorable 2 tween March 2020 bedroom home with Jack and Jill bathroom that opens to Master and February 2021, and Hallway! This home has a according to a FedHUGE living/dining area that eral Reserve report. opens to kitchen. Several areas That’s on top of the have fresh paint and it includes a pre-pandemic rate new water heater. Located close to Perkins Schools and easy of roughly 600,000 access to Hwy 177 and Hwy 33. annual closures. Many surviving Becky Blessen businesses are still CRS, GRI 405-742-7555 at risk, due to factors like deferred 602 S. West St. Suite A, Stillwater, OK 74074 • 405-372-8326 • www.teamstillwater.com rent payments and By Lauren Schwahn

How to talk money with your parents financial topics with family, according to a study published Holiday gatherings in October from may present an opfinancial services portunity to talk to firm Edward Jones your parents about in partnership with important money Age Wave and Harris issues, such as estate Poll. The top issues planning or long-term include: avoiding care. The need to family conflicts discuss this stuff may (22%), trying to avoid feel particularly acute burdening family if you don’t see your members with their folks often or these finances (20%) and are the first holidays being too uncomfortyou’ll be together able to discuss these since the pandemic topics (18%). started. If you want to talk Tread carefully, to your parents about though, because money, consider the these discussions can following steps. easily go wrong. DiliFIRST, ADJUST gent preparation, the YOUR ATTITUDE right approach and Goyer bristles a respectful attitude when people talk can help your family about having to “partackle potentially ent their parents” uncomfortable subbecause the phrase jects without ruining sounds disrespectful the holiday, advises to her. Having a Amy Goyer, AARP’s superior or condenational family and scending attitude caregiving expert. toward your parents, Ideally, families or trying to tell them would talk “early and what they should do, often” about issues will just make the related to aging, she conversation harder, says. The more reshe says. mote or theoretical “Even though your the topic, the easier role changes, you it can be to discuss. are still their child, For example, talking and therefore they about how to pay deserve your respect,” for assisted living or Goyer says. a home health aide Instead, research may be less fraught some options in when the need is hy- advance so you can pothetical than when present choices to your parent has just your parents rather fallen down the stairs than issuing orders. or is in the hospital. If they don’t have “Finances are hard long-term care insurto talk about, much ance, for example, less in some kind of a they might be able crisis,” Goyer says. to sell investments Most U.S. adults or tap their home say there are obstaequity to pay for a cles when it comes to nursing home stay. discussing important If they don’t have an By Liz Weston

Stillwater NewsPress • Thursday, November 18, 2021

NerdWallet

advanced directive or other estate planning documents, you could offer to help them use estate planning software or find them an estate planning attorney. If bills aren’t being paid, you can offer to set up autopayments, take over bill paying or find a daily money manager who will do it for a fee. “The point is for them to get what they want – that their wishes will be adhered to,” Goyer says. FOCUS ON FEELINGS How you broach the topic will depend on your family dynamics. An indirect approach would be to mention that you read an article on the topic or saw something on TV about it, or that you’re doing similar planning for yourself. “For some people,

an indirect approach is more effective,” Goyer says. “For other people, they’re going to see right through you and be angry that you’re indirect.” Take the approach you think will work best with your parents. However you bring it up, pivot quickly to asking for your parents’ perspective. It’s important to listen more than you talk, especially at the beginning. “Ask them how they’re feeling about the finances, or the housework or the driving or whatever it is,” Goyer says. “Do they ever feel uncomfortable? Do they ever feel unsafe? She says you could pose it as a question, such as: “’Do you ever feel like you might like to have a little bit of help to do that?’” Ask follow-up questions and consider

paraphrasing what you’re hearing to show that you’re actively listening (using phrases like “What I’m hearing you saying is … “). People who feel heard are less likely to be defensive and more likely to listen to what you have to say, Goyer says. If your parents aren’t troubled by a situation, but you are, Goyer recommends using “I” statements. “Never start anything with, ‘You need to,’” Goyer says. “Instead, say, ‘I’m concerned about’ or ‘I want to help you.’ Your role is to provide support for them.” PREPARE TO ABANDON SHIP That support includes staying calm if your parents get angry, fearful or sad. Your folks may be embarrassed about their financial situation, worried

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about the future or resistant to the idea of needing help. Acknowledge those feelings, even if you don’t agree with their viewpoint, Goyer says. “If they are feeling insecure, or they’re feeling angry at the thought of a change – are scared at the thought of a change – validate those feelings,” Goyer says. “Change is hard.” But be prepared to drop the subject, at least for the time being, if tensions remain high. “For some people, (discussing money) is fine, but for others, it’s going to ruin the holiday,” Goyer says.

“Maybe the holiday is when we observe, and we make a plan to talk later about it.” Citation: The Harris Poll survey on behalf of Edward Jones and Age Wave was conducted from August 12-16, 2021, among 2,020 U.S. adults ages 18 and older. Results were weighted where necessary to bring them into line with their actual proportions in the population. This article is meant to provide background information and should not be considered legal guidance.

www.stwnewspress.com

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Stillwater NewsPress • Thursday, November 18, 2021

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Yost Rd.

To Cimarron Turnpike

Topaz Ave.

Amethyst Ave.

Duncan

Nancy Lee Dr.

Evergreen

rie Dr. Wil liam Ct.

Perkins Rd.

Knoblock St.

Teal St.

Bluestone St.

Jardot Rd. Marine Rd. Burdick St. Manning St. Briarwood St.

S. Westchester St.

Av.

Mockingbird Ln. Collins Ct. Colby Lance

ower

4th Av.

5th Av.

Crestwood Cr.

Denver St. St.

Pinewood Cr.

3rd Av.

Villa Dr.

Drury Ln.

2nd Av. 4th Av.

Raintree Av.

Eastgate St.

Pos

Jardot Rd.

Oakwood Dr.

9th Av.

Hight

7th Av.

Payne St.

Stallard St.

Hall St.

Leigh St.

Burdick St.

James Ct.

Katy

Hightower St.

Denver Ct. Denver St.

Jardot Rd.

Henderson St.

Timbercrest Dr. Timbercrest Cr.

4th Av.

Payne St.

Blair St.

Dr.

Blair St. Payne St.

Eastern Av.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

Virginia Av.

Skyline Ln.

Grandview St.

Wedgewood Ct. Wedgewood Dr. Wedgewood Dr.

Stallard St.

Manning St.

Donaldson St.

Hartford St. Dryden St. Benjamin St. Burdick St. Burdick St. Berry St. Arrington St. Marshall St. Doty St. Blair St. Grandview St.

Lydia Ln. 17th Av.

19th Av.

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19th Av.

177

24th Av.

Mar Vista St. 28th Av.

Main St.

26th Av.

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is S

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31st Av. 32nd Av.

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Lowry St.

Main St.

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35th Av.

Fern St.

West St.

33rd Av.

36th Av.

37th Av.

44th Av.

Vista Ln.

44th Av.

Hunters Cr.

Dr. Deerfield

Wild Turkey Pas

Vista Ct.

Red Rose Dr.

Jardot Rd.

Perkins Rd.

Husband St.

Western Rd.

Sangre Rd.

Timberline Dr.

Washington St.

Fountain View Ct.

Forest Trail Ct.

Cottontail Ln.

177

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Peach Tree Av. Stonegate Av.

Jardot Rd. 16th Av.

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Dr.

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Springfield St.

Alc

Pennsylvania St.

Hartford St.

Cedar Ct.

Matthews Av.

3rd Av.

Hartford St.

Lowry St.

Chester St.

Fern St.

Lowry St.

Chester St. Fern St.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

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Manning St.

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Duncan St.

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Berry Ct. Arrington Ct. Arrington Dr.

Hartford St. Dryden St. Redbud Ct.

Star St.

Hoke St. Husband St.

Masin St.

West St.

Duncan St.

Knoblock St. Knoblock St.

Walnut St.

Pl.

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Dryden St.

Hartford St.

Benjamin St.

Crescent Dr. Glenwoo d Dr.

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sb Hu

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Duncan St.

Hester St. Knoblock St.

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Hester St.

Ramsey St.

Hester St. Hester St.

Washington St.

Ramsey St.

West Bl.

Husband Pl.

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Connell Ct. Connell Av.

25th Av.

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Adams St.

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Gray St.

Pine St.

Walnut St.

Orchard St.

McDonald St.

McFarland St. Kings St.

Willis St.

Western Rd. Silverdale

22nd Av.

Knoblock St.

Oxford Dr.

Han

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21st Av.

Pioneer St.

Murray Ct.

Cedar Ct.

Ct.

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15th Av.

Whitney Ct. McElroy Rd.

12th Av.

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d St.

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12th Av.

16th Av.

8th Av.

11th Av.

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9th Av. 10th Av.

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19th Av.

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mit

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Virginia Av.

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Krayler Ave.

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Hall of Fame Av. Mathews Av.

Lakeview Rd.

Fountain View Dr.

7th Av.

k Ln.

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5th Av.

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Camden

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44th Av.

Turtle Pond Ct.

22nd Av.

Cantwell Av.

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Scott Av.

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McDonald St.

Willis St. Ridge Rd.

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Stillwater NewsPress • Thursday, November 18, 2021

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18th Av.

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Scott Av.

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Keller Dr. Lakeview Ct.

Dells Av.

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Summer Hill Ct. Germaine Ct.

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7th Av. 8th Av. 9th Av.

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4th Av.

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8th Av.

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Eskridge Av.

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Lakeridge Av.

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Windmill Ln.

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Thomas Av. Frances Av.

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St.

Richmond Rd.

Park Pl. Tower Park Dr.

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