News Press Stillwater
REALESTATE W E E K LY Your best source for weekly real estate news and listings for Stillwater and surrounding communities
Offering two beautiful parcels of land. Great farm land, both excellent hunting grounds.
es hts r c A ig 320 eral R in M 00%
December 2, 2021
3.10%
The 30-year fixed-rate mortgage was back above 3% this week, and economists believe rates will continue to increase over the next few months.
$1,200,000
1
00 S. 3310 RD • Perkins OK
160
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$490,000
Weekly Features: • About Real Estate • Open House Map Visit our web site at
stwnewspress.com » Classifieds » Real Estate Weekly to download the current PDF edition and see participating Realtors. To advertise your home in Real Estate Weekly, call (405) 372-5000.
0000 S. Underwood Rd • Yale OK
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Stillwater NewsPress • Thursday, December 2, 2021
Sellers shouldn’t hang around for their own open house It’s usually best for home sellers to make themselves scarce when their agent stages an open-house event. DEAR DAVE: We hired an agent two weeks ago to sell our home, and our first open house is scheduled for next weekend. We were planning to stay for the event and help show visitors around, but our agent says it would be better if we spent the afternoon somewhere else, because being present for the event might hurt our chances of making a quick sale. What do you think? ANSWER: I think that you should follow the agent’s advice and stay away from your home while the open house is held. A key to holding a successful open house is to make visitors feel comfortable enough to slowly ramble through the property and to ask the agent lots of questions. But if the sellers are present, many home-buying prospects will cut their visit short because they feel like
they’re intruding or that their questions will make them seem nosy. The less time a prospect tours a home, the less chance that he or she will make an offer to buy it. Another reason why sellers should not attend their own open house is that, as numerous agents will attest, they usually don’t exercise much caution when they talk about why they want to move. Even a simple comment like “I love this place, but it’s time to move on,” or “We need to move because our son wants to go to a different school” might be misconstrued by potential buyers as a sign that they could do better by looking elsewhere. I’m sure that you wouldn’t have hired your agent a few weeks ago if you didn’t trust his judgment, so you should follow his advice and be somewhere else when he holds your first open house next weekend. ••• DEAR DAVE: Who is the biggest
the amount to your “cost basis” of the home and thereby reduce any taxes on the resale profit. ••• DEAR DAVE: The house that my husband and I purchased almost MYERS 20 years ago is Service will allow now worth about you to deduct any $200,000 more than property taxes that we paid for it. We you pay in a given are interested in year, it specifically forming the type of prohibits write-offs inexpensive living for transfer taxes trust that you rethat are levied by cently wrote about a local assessor or so our two kids will other government not have to waste agency as part of a a lot of money and sales transaction. time in probate Most cities and court after we die. counties now charge But if we put our transfer taxes when home into a trust a property is sold. and then decided Such taxes were to sell when we reoriginally created to tire in a few years, reimburse the local would we still be government for the able to keep all of cost of updating its our resale profit public records, but tax-free? now the levies are ANSWER: Yes, often used to fund a all of your profit variety of programs would remain tax– from food banks free. that serve the The IRS allows homeless to health married couples to care centers for ille- keep up to $500,000 gal immigrants and (or $250,000 for sinother low-income gles) in home-sale people. profits away from Although you taxation, provided cannot deduct the that the property transfer taxes you has been their prirecently paid on mary residence for your upcoming tax at least two of the return, you can add previous five years.
ABOUT REAL ESTATE
DAVID property owner in the United States? I say that it’s Donald Trump, but my husband says it’s probably Bill Gates or some other hightech billionaire. Who is right? ANSWER: Neither. The biggest property owner in the U.S. is our federal government, which owns more than 700 million acres of land – from the forests in Alaska to parts of the Everglades in Florida. ••• DEAR DAVE: My wife and I bought a home in October, and the county charged us almost $900 in “transfer taxes.” Can we deduct this cost on our upcoming tax return, just like the annual property taxes we pay? ANSWER: Sorry, but the answer is no. Although the Internal Revenue
Provided that you still meet the IRS two-out-of-five residency rule when you retire and sell, you will be eligible to keep up to a half-million bucks in resale profit taxfree even though title to the home would be held in a money-saving trust instead of in your personal names. Meantime, you also would retain all of your current housing-related tax benefits, such as the ability to deduct all of your payments for mortgage interest and property taxes. ••• Our booklet,
“Straight Talk about Living Trusts,” provides the information readers need to determine whether forming an inexpensive trust to avoid long and costly Probate proceedings would be a good idea based on their individual circumstances. For a copy, send $4 and a self-addressed, stamped envelope to D. Myers/Trust, P.O. Box 4405, Culver City, CA 902314405. Net proceeds are donated to the American Red Cross. (c)2021 Cowles Syndicate Inc.
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Horticulture tips for December you are composting.
HOME GROWN KEITH REED added to the pile so
this is a win-win if
405-747-8320, or in person at the Payne For more informa- County Extension office, located at 315 W. tion on this or any 6th in Stillwater. other horticultural Oklahoma State topic, you can contact Keith Reed, the Hor- University, in comticulture Educator in pliance with Title VI the Payne County Ex- and VII of the Civil Rights Act of 1964, tension office. Keith Executive Order can be reached via 11246 as amended, email at keith.reed@ okstate.edu, phone at Title IX of the Edu-
cation Amendments of 1972, Americans with Disabilities Act of 1990, and other federal laws and regulations, does not discriminate on the basis of race, color, national origin, gender, age, religion, disability, or status as a veteran in any of its policies.
4810 3/2.5/3 - $349,900 502 N.9366 Burdick - 3 2 1623 s bed, ft Close to sq Sho in & Schools - C/Jennifer 225 000 - Donna NEAloysius HWY 33 -- 3 32180 bath onft.75-acre m/l -- Lori $275,000 - Ann 2023 E. Linda Ave -W Large corner with 1496 outbuilding. 3BR/2.5BA sq ft- Lori $248,000 23rd Ave -lot 3/2/2 sq ft Selling -lot$1,70,000 K. – Tiffany 50202206 W 10th - 4 bdrm., Stillwater Country Club, As-Is largeOver - 1900 $360,000 - Tiffany 8142320 S. Rock Hollow Ct. area over 3.5 1990 sq ft/SCC access $274,000 Tiffany Timbercest Dr.- -SW 3Dr. Bed Bath 1600sqft New Golf Construction - $209,000 10217 S Brenna - 43/Bed, Bath, 2,891 sq. Cart ft. - $490,000 - Ann -–Donna 9715 E.S. Horizon Dr.bdrm./3 - 50- xPrime 60 livestock barn onProperty, 5 acres with no restrictions $100,000 –- Lori Lori K 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of OSU Campus! - Tiffany - PENDING 3716 Perkins Rd. Commercial 10-acres m/l -- $343,000 $1,800,000 K. any 0Coyle W. 19th Ave -#43 7.48- m/l acres inside Stillwater city limits $350,000 – cities. Lori K - $60,000 6000 Pennsylvania Ave. 2 bdrm./2.5 BathJust Condo, Oklahoma City - $129,000 - Tiffany 11620 W.N100th, - 4.98-acres with a pond. minutes from major - Lori K. 801SS. Burdick - 3BR/1.5BA, 1.5 1253 story on 1371 sq Ripley ft a$89,000 Lori -C$257,300 PENDING! 1408 N.5607.1 00 – Lori 4517 M5215 Spring Creek Cir. E -Just 2/1 sq. ft. onlot Lots with Barn -–$299,900 - Lori -K. Mehan - 41.5-acres, North of large 68th &3 Mehan, Schools Tiffany Broker Associate 1115W S.Country Richfield Ct. -Agra 1775 $305,000 – -Tiffany 4713 -3BD/2BA NICE Lot for sq sale - $25,000 Donna 20J onna 0000 E 760 Club Rd., - 19-Acres - ft$71,250 - Montie Lori 10 Lori 405-612-6724 2923 N. Monroe - 3BD/2BA 2321 ft $208,000 – Tiffany -PENDING! Shumard - 5 Nice Lots forofyou tosq build your new $27,000 n 354 S Council Rd., Oaks Crescent - 29-acres undeveloped land forhome your new home- -Donna $145,000 - Tiffany 7917 Pickles Gap Nice large lot in Perkins School District $22,500 – Lori Scotthaven Addition - Nice Large lots in Perkins School District/starting at - $45,500 6023 Haydans Brk. - New Construction, 4/2, 2075 sq. ft. - $338,500 - Lori K.- Donna 6021 Hallies Meadow NEW CONSTRUCTION 4BD/2BA 2347 sq ft $379,900 – Lori 5607 S Mehan Rd. - 52.5-acres for Sale, Will Divide, Ripley Schools - $349,000 - Tiffany 5504 W Creekside GATED COMMUNITY, Radiant Luxury, 5/4.5, 5823 sq. ft. - $1,700,000y5,900 - Dolores/Tiffany 1408 N.PEND Mai 5005Dr.N -Perkins – Lori iffany Rd - 4000Hunting/Building/The sq ft warehouse - Oh the possibilitiesare $399,900 00 E 810 Rd., Tryon - 53.34-acres. possibilities endless– -Donna $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 3BD/3BA, 2754 sq more!! ft $550,000 Ann 1218 W 12th - 4 Commercial in aCommunity very High Traffic area/starting at $255,000 - Ann 18575 DeerView Pointe on 2.5-acres, 1917 ft. - NEWTrails PRICE $268,000 3618 W. Fountain Ct.---3/2/2 5BD/2.5BA, in ground poolsq. - Woodland $362,900- –Kyle Tiffany 3000 S. Range Rd. 4 bed, 4.5 bath, on 3.2-acres - $845,000 Tiffany/Dolores $820,000 -addn 301 S. St. - Beautiful Office Building inBuilding the heart - $900,000 - Lori aK. 208 N. Duck Donaldson - 4BR/2BA 1851 sq ft - close to shopping &Stillwater schools $205,000 – Donna 3215 S. Boomer Rd. - Nice Commercial forof sale - $2,245,000 - Tiffany 719120 KarW Tyler 0 - Tiffany - CALLING INVESTORS, 2 Building, Units, Apts., 2 INVESTMENT bed, 1 bath - $129,999– $950,000 -Tiffany Dolores/Tiffany 910Main Kansas / ALL Pawnee - 1936 farmhouse / 112 acre lot with outbuildings 211 E. St., St. Coyle - 64 Unit Storage GREAT - $165,000 - Donna riffan ri- Lori- K. 11 3337 Ct.- -Ripley, in Berry bed, 2.5 bath $397,900 Donna 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 WS. 44th St.bdrm./2 UPDATED, 6-acres, 4 bed, 4 bath, w/Shop, sq.$395,000 ft. - $840,000 - Lori C. 617 Main - -Downtown Stillwater commercial unit plus apartment unit – Tiffany 2923 N. Monroe -3 bath/Study/Game Room. One block to 3596 Boomer Lake - $219,000 - Tiffany 29 5919 Tiffany 830456 3354 /1Carney -3BR/2BA ft to -with out building – Lori $275,000 Spring Cir.S.ECt. - 2- bed, bath, 1253 sq. ft.1468 on close 3sq lots a barnLake -$199,900 NEW PRICE Lori K. 000 N Creek Glenwood 9Rd lots platted for duplexes Boomer - $420,000 - Tiffany 7195215 Karen , 0 -- Tiffany 111 E. Tower / Perry 3BD/1BA 1118 sq ftSide $79,800 – Tiffany Hidden Lake - 14 Beautiful the North - $52,500-$79,000 - Lori K. 7917 Pickles Gap - Nice large- Lots lot inon Perkins School District - $22,500 - Lori 1408 N. Roka ,900 - Lori 502 N. Burdick sq Close to shopping & schools $209,000 –$345,000 Donna- Lori 6021N. Hallies Meadow - NEW 1623 CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 2113 Crescent Dr.- -3BR/2BA 4/2.5/2, 2439 sq.ft ft. GREAT LOCATION - NEW PRICE - Ann 2923 5005 920, 9366 920 1/2 Duck .- -4,000 properties, homes, bedrooms total $160,000-- Donna – Amy iffany N Perkins Rd.33 sq.3ft.bath, warehouse -2Oh, the- 5possibilities - $399,900 NES.Hwy. -23Investment bed, on .75-acre m/l NEW PRICE $259,000 Ann 101Pointe W. 80th and shopCondo, on2,754 11.5Oklahoma acres – Lori$495,000 57061408 W. Garden Dr.-Ave. -Commercial Gated 3BR/3BA, sq. ft.$4,000,000 - NEW $510,000 - Ann N.NMPennsylvania 35,900 - Lori 6000 #43Community - 2 building bdrm./2.5 Bath CityPRICE - $129,000 - Tiffany 354 Cou4517 ,500 - Tiffany W. Lakeview - 10 acres/ NW of Stillwater $300,000 – Lori 910S.Kansas St. /5011 Pawnee - 1936 farmhouse 1-acre lotsale with- outbuildings - $129,999 - Tiffany 0 - Lori 4713 W Country Club - NICE Lot for $25,000 - Donna 522 12th- 52.65-acres - Commercialrural building in downtown Stillwater -$250,000 – Lori 415 W.E.80th property, noyour restrictions $250,000 354 Tiffany Oaks - 5 Nice Lots for you to build new home - $27,000- Lori - Donna - ffany PENDING - 2620Shumard ,900 - Tiffany 354 S. Black Oak Dr. -Stillwater 4BD/3BA,commercial 4813 sq ft Georgian & style – Donna 617 S. Main - Downtown unitSchool pluselegance apartment unit$950,000 - $395,000 - Tiffany Scotthaven Addition Nice Large lots in Perkins District/starting at $45,500 - Donna 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 1218 W 12th -W. 4 Commercial Lots in a very High 2208 Trafficsqarea/starting $255,000 - Ann PENDING ft $239,000 – at Tiffany 3rd - Close to campus 3BR/2BA 920, Duck2218 - 2 Investment properties, 2 homes, 5 bedrooms total - NEW PRICE- $152,500 - Amy - - ,000 -Tiffany 1304 & 920½- S. 3000 Lori Range4BD/3BA Rd. - 4 bed, 4.5 on 3.2-acres - $820,000 Tiffany/Dolores 1408 N. Main / S. Perkins2098 sq ftbath, NEW CONSTRUCTION golf- course $325,000 101 W. 80th - Commercial building and shop on 11.5-acreson- $4,000,000 - Lori – Lori 3215 Boomer Rd. - Nice Commercial Building for sale - $2,245,000 Tiffany 4517S.Jenna Ln. - 3BD/2BA 1756 sq ftNW NEW CONSTRUCTION $266,900 5011 W. Lakeview 10-acres of Stillwater $300,000 - Lori –-Lori 354 Tiffany Morton Ave. - Ripley, Cute home the- $121,075 School - -$69,900 K. 115 80th - 14.5 acresOK, m/l Just North ofacross 68th & from Mehan Tiffany 354 505 S.3 S.522 -Kyle Tiffany E.E.12th - Commercial building in downtown Stillwater - $250,000 - Lori- Lori 000 NBlack Glenwood Ct.E -4BR/3BA, 9 lots platted foroffice duplexes closem/l to $950,000 Boomer Lake -- -Tiffany 203 80th - Nice large on 3 acres – Lori-- $420,000 354 S306 Cou , 00 Tiffany . Kyle 2620 S. Oak Dr. 4,813 sq. ft. Georgian elegance & style $950,000 Donna 270 2707. -7 - Lori 7 - Lori 6021 Hallies Meadow CONSTRUCTION 4BR/2BA, 2,347 ft.course - $379,900 E 2nd- NEW - 4BD/2BA sq ft Split floor plan $175,000 – Ann PENDING & 1306 24 ft.- -Lori $135,000 - Lori 14081304 N. Main /Perkins - 4BR/3BA, 2,098 sq.1717 ft. NEW CONSTRUCTION onsq. golf $325,000 $315,000 - Lori K. 2707 W.S4 3202 317-sq. - Lori Lori 6038 Haydans Brook - NEW 4BR/2.5BA sq ftpossibilities $349,000 – Lori Perkins Rd. - 4,000 sq. - 2183 Oh, the - $399,900 -PENDING Donna 45175005 Jenna - 3BR/2BA, 1,756 sq.ft.ft.warehouse CONSTRUCTION - $266,900 - Lori 202 N Ln. 5 - -Donna 2112 N.80th Monroe - 2 Commercial buildings on 3restrictions acres $600,000 – Dolores - 52.65-acres ruralnorth property, no& - $250,000 - Lori E. W. 80th - 14.5-acres m/l just of 68th Mehan - $121,075 - Tiffany Lori K. 6115415 S. Council Land sale in Crescent, OK - No 33.5 m/l PRICE $167,000 – Tiffany - Amy E.Rd. 80th - Niceforlarge office on 3-acres m/l5restrictions -bedrooms NEW PRICE $1,200,000 - Lori 920,354 920½ S.203 Duck - 2 -Investment properties, 2 homes, totalacres - NEW $152,500 . as or S. Burdick -building 3BR/2.5BA ft $87,000 – Tiffany 3202 E.W. 2nd 4BR/2BA, 1,717 sq. ft. Split floor plan - $170,000 - Ann ---PENDING 0000 S.- 801 Ann- -Lori 101 80th - Commercial and1371 shopsq on 11.5-acres - $4,000,000 W 6038 44th - 15.86 acres - will look for signs $317,000 ffany Haydans Brook -divide, 4BR/2.5BA, sq. ft.of- Western $349,000 - Lori E. 80th - 14.5-acres m/l just north of2,183 68th &west Mehan - $121,075 - ,Lori– Lori K. any 474 2707 . 115 Cedar Oaks &Commercial 19th - 7.48 acres m/l in city limits PRICE $350,000 – Lori 2112E.N.80th Monroe - 2large buildings on 3-acres - $600,000 - Dolores 203 Nice office on 3-acres m/l NEW $1,200,000 Lori N. Possibilities! $2,352,900 Lori 601 fany N. - 15.86-acres 0000 S. Country Club Rd. - 20forAcres Paved Road - $200,000 - Ann Lori- PENDING 2707&W3820 44th - will divide, look signson west of Western - $317,000 3818 W 15th Ave - Calling all investors 2Bed 2Bath duplex rented thru 5/22- -Lori $255,000 - Donna Lori Crosby Donna Rhinehart 4717 S. Turtle Pond Ct.&- Great .-acre m/l Lotm/l for in your - $45,000 - Tiffany Montie Stewart Monty Stewart Cedar Oaks 19th- -3Bed 7.48-acres citybuilding limits -pleasure $350,000 - Lori 511 E17th Ave 1.5 Bath 1,165sqft $117,900 Lori C. Realtor Associate 3000 Range Rd $845,000 1-3 Dolores 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. ft. -thru $349,000 405-612-4184 1810 & 1812 S Westridge - Calling all investors 3Bed duplex rented 5/22 - $260,000 - Donna 405-747-7306 405-372-5151 ngton Rd. -- 151.8-acres 151.8 acres m/l, m/I, OH 2Bath the N. Washington Rd. OH the Possibilities! Possibilities!- -$2,352,900 $2,352,900- -Lori Lori
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days by providing a bit of shade. Just remember to remove the wrap in the spring as the leaves begin to unfurl. • If we get freezing precipitation, be judicious in your use of salt when de-icing sidewalks and driveways. Think about what happens to the runoff as the snow and ice melts away. If it will end up in your landscape, consider using an alternative such as sand or a clay-based kitty litter or floor sweep. • Addressing fallen leaves is still a high priority. There are several reasons for this. Leaves are an excellent component of compost. When composting, be sure an incorporate a few “greens” into the pile to speed up the composting process. This could include kitchen waste, clippings from cool season lawns, animal manure, or even commercial fertilizer. Leaves can damage a cool season lawn if left to pile up. This limits light and air to the turfgrass. While it is not important to remove every leaf that falls, do try to chop them up or at least stir them around on occasion to prevent them from forming an almost impenetrable barrier. Note that chopped leaves will compost much quicker than those simply raked up and
Stillwater NewsPress • Thursday, December 2, 2021
It’s been a very mild start to winter with most of the area with temperatures running much above average. This makes it easy to forget that it can get very cold on short notice this time of year. You might remember that it was only mid-December a few years ago when we had a weekend brush with temperatures near zero. Taking care of the following landscape tasks can help protect your landscape from severe temperature fluctuations like that could happen just about any day now. • Get those important plants mulched if you have not already done so. Strawberries, new perennial plantings, and immature trees are just a few examples of plants that can greatly benefit. • If we fail to get measurable rains soon, water plants susceptible to winter damage, especially new plantings and evergreen species (including tall fescue or other cool season turfgrasses). • Protect the trunks of young thin-barked trees from sun scald and winter injury. There are several different types of wraps on the market and all are effective. The idea is to reduce extreme temperature changes in the cambium layer of the trunk on cold winter
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Stillwater NewsPress • Thursday, December 2, 2021
Navigating the three-day loan disclosure waiting period Timing is everything, and that is especially true when purchasing a house. Whether you’re waiting for the right home or applying for a mortgage, there are many time-sensitive processes to follow to ensure you can get the home and the financing you want. It may seem like there’s a lot of hurry up and wait going on. But because it is likely the biggest purchase you’ll make in your life, there’s a good reason for the wait. For traditional mortgages, the most noticeable is the three business-day waiting period between receiving your closing disclosure and the consummation date (often known as your closing day). This three business-day rule was introduced in October of 2015, and it applies to both original mortgages and refinancing. When your three business-day waiting period starts is determined by your consummation day. This three business-day rule
may include Saturdays, but it does not count Sundays or holidays. For instance, if you want to sign on a Friday and a holiday falls on a Thursday, you must receive your closing disclosure on Monday. Because of this, the three-day period is NOT measured by hours. You can sign the closing disclosure any time before you sign your final documents on your consummation day. This waiting pe-
MORTGAGE MATTERS KENNETH WOHL riod gives you time to review all the documents to ensure that the terms you’re agreeing to match the terms outlined at the beginning of the mortgage process when you received
your loan estimate (which lenders are required to disclose no later than three days after receiving your completed application). The closing disclosure will show you the final terms
405.624.2626 www.c21global.com 131 N. MaiN, Stillwater
DEFY MEDIOCRITY + DELIVER EXTRAORDINARY Linda Schmidt Broker
405.880.3048 Bailey Williams
405.714.4037
Property Manager
Alane LeGrand
405.747.6950 Judy Kasso
Rosetta Heppel
405.880.0869 Virginia Cussner 405.747.7601
Beverly Carter
405.743.9618 Diana Field
Sandy Blankinship 405.269.9523 Oscar Fortune
801.824.8166
405.747.4684 405.747.6042
Mike Branson
405.612.5347 Thomas Jenkins 405.780.3204
Tana Rutan
405.612.1496 David Heppel
405.269.6907
of your mortgage, including your purchase price, interest rate, APR, closing costs, monthly payment, and more. Between the closing disclosure and consummation, if the APR, loan product type or prepayment penalty changes, that would require a revised closing disclosure, which in turn would require a new consummation date. Other changes to terms and costs outside of these (like title fees and insurance), will
warrant a corrected closing disclosure, but will not require a new three business-day waiting period. Basically, the closing disclosure is designed to protect you from bait-andswitch tactics if a lender promised you one set of terms but then presents worse terms just prior to the consummation day. Source: https:// www.consumerfinance.gov/know-before-you-owe/
Opinions expressed above are the personal opinions of Kenneth Wohl and meant for generic illustration purposes only. With approved credit. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANKRCB. Some restrictions apply. RCB Bank is an Equal Housing Lender and member FDIC. RCB Bank NMLS #798151. Kenneth Wohl NMLS #453934.
Should you bank with your brokerage?
3 Bedroom, 2 Bath Morrison
Brokerages sweep customer funds into FDIC-insured accounts behind the scenes so that they’re covered. —CMA customer service is typically online-only. Most CMA providers offer only remote customer service because they don’t have branches. As a result, customers who open an account will need to be comfortable with service options that aren’t in person. CAN A CASH MANAGEMENT ACCOUNT MAKE IT EASIER TO INVEST? When it comes to investing, timing can be critical. For example, missing a day or two of having your cash in the market — say, the amount of time it takes to transfer cash from
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an outside account into your investing account – could mean losing out on market gains. By having all of your accounts in one place, you can take advantage of vital time in the market to potentially earn more money on your cash. “First and foremost, you are likely setting up a one-stop-shop for yourself so you can bank, save and invest all in one,” said Leah Bourne, by email. Bourne, the managing editor of the investing education website The Money Manual, also added, “Many of the companies that offer these accounts have made the ability to transfer money between accounts really, really easy. If you are actively investing,
this is a big pro.” One of the other big practical perks when it comes to keeping a CMA with your brokerage? You have less to keep track of by keeping your cash accounts and your investment accounts at the same place. “That means you’ll have one app on your phone instead of a few and will be seamlessly able to monitor your cash account and your brokerage account all in one spot,” Bourne says. Such as with any financial product, consumers should do their research to determine whether a CMA makes sense for their lifestyle and if the perks work for their spending, saving and investing habits.
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1-
1605 W LIBERTY
$325,000
Spacious one-owner home in University Estates. 4 Bedrooms, 3 Baths, 2,979 sq ft. Two living areas + sunroom and covered back patio. Updated kitchen and bathrooms. Granite countertops. Richmond Elementary. Available immediately.
Stillwater NewsPress • Thursday, December 2, 2021
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By Chanelle Bessette banks that sweep accounts. Some account instantly,” NerdWallet customers’ funds CMAs offer such Parker says. “If I into bank accounts account benefits as had my primary free ATM access, brokerage account If you’ve invested behind the scenes. That allows them debit cards, mobile with Fidelity, it with a brokerage to offer insurance check deposit, early would be the same firm in recent from the Federal direct deposit and way.” years, you may Deposit Insurance no monthly mainteCONS have noticed that Corporation on cus- nance fees. —Interest rates your brokerage of—Transfers behave dropped. The fers a product called tomer balances. WHAT ARE tween CMAs and financial industry a cash management THE PROS AND investing accounts is currently in a account. CONS OF CASH can be faster. When low-rate environThese accounts MANAGEMENT you have a CMA ment, meaning are very similar to ACCOUNTS? at your brokerage, interest rates on a checking or savPROS you may be able deposit accounts ings account and —Interest rates to avoid a waiting are particularly typically provide period between aclow at the moment. competitive interest tend to be higher than rates at count transfers so Several CMAs that rates, debit cards traditional banks. that you can invest launched in recent and other money Though some broyour money faster. years had notably management feakerages don’t offer Joel Parker, a high interest rates tures. much interest on financial blogger at first, but they However, those their CMAs, others and podcaster from dropped signifiservices aren’t aloffer significantly Massachusetts, cantly in mid-2020 ways standard. higher interest has a Fidelity after the start of So what, then, Cash Management the COVID-19 panwould be the appeal rates than the national average of Account and apdemic. of opening a CMA 0.06% for savings preciates the speed OTHER THINGS with a brokerage? accounts. Robinof transfers that TO CONSIDER Here are some hood Cash Manage- would otherwise —FDIC insurthings to considment, for example, take between one ance is usually only er when deciding and three days from available through whether to let your offers 0.30%, and a non-Fidelity acthird-party banks. brokerage help you SoFi Money offers 0.25% with a $500 count. Since brokerage manage your cash. “I use Fidelity for firms aren’t banks, HOW ARE CASH minimum balance. —CMAs have my daughter’s 529 they typically MANAGEMENT benefits that are account, and it is have to partner ACCOUNTS similar to checknice that I can do with banks to offer DIFFERENT ing and savings a transfer to that FDIC insurance. FROM BANK ACCOUNTS? Perhaps the most crucial distinction between a CMA and a bank account is that CMAs are offered 600 Cherokee • Morrison by nonbank financial institutions $190,000 that do not possess Brick single family home, 3 a bank charter. Bedroom/2 Bath. 1,614 sq ft. Usually, this New HVAC this fall. Large would mean that fenced backyard. CMAs cannot provide their customVisit www.perkinsfrontierrealty.com and check out ers federal insurance on their balFRONTIER REALTY ances, but many brokerages partner • 100% Financing available with chartered 405-547-2000 • Recently updated properties
How to maximize your ‘health span’ The institute and risk factors as immunizations commissioned Viworldwide, along and screenings, or tality, a company with the relative account for risk facWe’re living lonthat partners with harm they cause. tors such as stress, ger on average, but insurers and emThe GBD shows av- depression, lack of the number of years ployers to promote erage remaining life sleep, loneliness we’re healthy hasn’t healthier living, expectancy at age and lack of purpose, kept up. This lagto conduct a study 65 in the U.S. rose the Vitality reging “health span that identified five from 17.6 years in searchers said . “ translates into lifestyle risk factors 1990 to 19.6 years It’s also importmore time living with the largest in 2019 – a twoant to acknowledge with serious illness impact on health year gain. Healthy that there can be and disabilities at span: tobacco use, life expectancy, on huge systemic barthe end of our lives. obesity, high blood the other hand, rose riers to healthier This can have sugar, poor diet and less than one year, living. If you live in significant reperhigh blood pressure. from 12.2 years to an area with limitcussions for our The researchers 13.1 years. ed access to fresh retirements. Some also highlighted That echoes simfruits and vegetaof us will have our ways to modify ilar statistics from bles, it’s harder to working lives cut those risks, inthe World Health eat well. If you live short by ill health, cluding quitting Organization, which in crowded housing reducing how much smoking, engaging found that U.S. life in an unsafe neighmoney we can save in physical activity, expectancy at age borhood, getting for our futures. eating a healthy 60 rose nearly 8% enough exercise Others will face big diet and taking between 2000 and can be tough. If you bills for medical medications as pre- 2019, but healthy must choose beand nursing home scribed. life expectancy rose tween buying medcare. Then there is The study relied less than 5%. ication and food, the emotional toll on data from the RECOGNIZE you’re unlikely to of struggling with Global Burden of OTHER BARRIfill the prescription poor health rather Disease, a resource ERS TO HEALTHI- your doctor wrote than traveling, vis- maintained by the ER LIVING for you — assuming iting the grandkids University of WashThe GBD has you can afford to and engaging in all ington’s Institute some limitations: visit a doctor. The the other activities for Health Metrics It doesn’t track the more money you we’d planned for and Evaluation that impact of well-eshave, the better acour golden years. tracks the prevatablished prevencess you have to the It doesn’t neceslence of diseases tion strategies such key health intersarily have to be this way. Many of the biggest risk factors for poor health are within our power to modify, prevent or control, says R. Dale Hall , Dedicated professionals providing unrivaled service. managing director of the Society of 114 W. Hall Of Fame • Stillwater • 405.533.3000 Actuaries Research Institute, which StillwaterSignatureRealEstate.com | f @RemaxSignatureStillwater provides research on managing risks. But as with retireTH ment saving, the earlier we get start205 S. TERRILL DRIVE - STILLWATER ed, the better. LEARN THE 5 1:00-2:30 PM HEALTH SPAN HEATH AND ASHLEY BOWMAN RISK FACTORS By Liz Weston
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Stillwater NewsPress • Thursday, December 2, 2021
NerdWallet
OPEN HOUSE • SUNDAY DECEMBER 5
ventions that help people live a longer life in good health. Even when we have enough money, our behavioral biases can get in the way – particularly our tendency to value present gratification over future gain. “I’d honestly rather sit on the couch and eat the bag of crisps rather than go for the run,” says Tanya Little , Vitality’s chief growth officer. “And yet future me would thank me for going for the run now.” IDENTIFY ONE AREA FOR
CHANGE Similarly, we may choose inaction over action if we’re asked to change too much, Little says. Instead, Vitality’s programs identify one change that would have the biggest impact based on each person’s health and lifestyle profile. “This idea of an endless list is totally overwhelming and demotivating,” Little says. “Whereas if I say to you, ‘If you just did this one thing’ ... you are much more likely to do it.” Once people make
progress on a single goal, they’re often inspired to change others, Little says. People who get more exercise often start to eat healthier, for example. Healthy habits don’t make us immune to illness and disability, of course. But minding our health improves the odds we’ll have many more years to enjoy. If you’d like to see what Vitality recommends for you, as well as its estimate of your life and health spans, you can visit the company’s calculator.
www.stwnewspress.com
stwnewspress.com
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Stillwater NewsPress • Thursday, December 2, 2021
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Yost Rd.
Yost Rd.
To Cimarron Turnpike
Topaz Ave.
Ct. yon Can Amethyst Ave.
Chateau Dr.
Duncan
Nancy Lee Dr.
Evergreen
Perkins Rd.
Knoblock St.
Star Dr.
Jardot Rd. Marine Rd.
Walnut St. 22nd Av.
t. is S Lew
Lowry St.
Lowry St. 37th Av.
35th Av. 36th Av.
37th Av.
44th Av.
Hunters Cr.
s Dr. Deerfield
Wild Turkey Pas
Vista Ct. Vista Ln.
Cottontail Ln.
Jardot Rd.
Perkins Rd.
Husband St.
Washington St.
Western Rd.
Sangre Rd.
Timberline Dr.
177
Katy
Hightower St.
Henderson St.
S. Westchester St.
Young St.
Dr.
Mockingbird Ln. Collins Ct. Colby Lance
Villa Dr.
Drury Ln.
4th Av.
Eastgate St.
Crestwood Cr.
H
Raintree Av.
3rd Av.
2
4th Av.
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19th Av.
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Av.
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Lydia Ln.
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Fern St.
Main St.
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Main St.
Husband St.
Knoblock St.
Cambridge Dr.
West St.
33rd Av.
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Jardot Rd. 16th Av.
Payne St.
Dr.
29th Av.
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ak
Pos Pinewood Cr.
er ightow
Oakwood Dr.
9th Av.
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Denver St. St.
Jardot Rd.
Blair St.
Payne St. Payne St.
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Timbercrest Cr.
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Cottonwood Dr.
25th Av.
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Cedar Ct.
Crestwood Dr. Crestwood Ct.
19th Av.
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Denver Ct. Denver St.
Skyline St.
Young St. Jardot Rd.
Wedgewood Ct. Wedgewood Dr.
Virginia Av.
Ransom Dr.
ott
Aetna St.
Springfield St.
Alc
Pennsylvania St.
Hartford St.
Skyline Ln.
Grandview St.
Stallard St.
Hall St.
Leigh St.
Burdick St.
James Ct. Hartford St.
Lowry St.
Chester St.
Fern St.
Lowry St.
Chester St. Fern St.
Pl.
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.
Lowry St.
Lewis St. Lewis St.
Husband St.
Main St.
Husband Pl.
17th Av. 18th Av.
Connell Ct. Connell Av.
12th Av.
13th Av. 13th Pl. 14th Av. 15th Av.
Payne St.
Canyon Rim Dr.
Skyline St.
Briarwood Dr.
ok
ro yb
nn Su
nn y Ct bro . ok
Su
Dryden St.
Benjamin St.
Burdick St.
Perkins Rd.
Grandview Ct. Grandview St.
Manning St.
Dr .
Manning St.
Berry Ct. Arrington Ct. Arrington Dr.
Hartford St. Dryden St. Redbud Ct.
Star St.
Hoke St. Husband St.
Masin St.
Duncan St. Duncan St.
West Bl.
Duck St.
West St.
Burdick St. Manning St. Briarwood St.
Hartford St.
Crescent Dr. Glenwo od Dr.
Husband St.
Main St.
Duncan St.
West St. Duck St. West St. Duck St.
West St.
Knoblock St. Knoblock St.
Hester St.
Washington St.
Ramsey St.
Dryden St.
Pa rk Sta Dr. rD r.
r. dD an sb Hu
Ramsey St.
Washington St. Bellis St.
Hester St.
Hester St.
Ramsey St.
Monroe St. Jefferson St.
Adams St.
Stanley St.
Pine St.
Gray St.
Walnut St.
Blakely St. Teal St.
Bluestone St.
Benjamin St.
Park Dr. Keller Dr.
Husband St.
Crescent Dr.
Ramsey St.
Ramsey St.
Lincoln St.
n St. Monroe St. Jefferson St.
Lincol
Monroe St.
Hester St. Knoblock St. Knoblock St.
Garfield St. Clevelan
Kerr St.
d St.
McFarland St. . Kings St
Orchard St.
McDonald St.
McFarland St. Kings St.
Willis St.
Willis St.
Silverdale
12th Av.
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8th Av.
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Whitney Ct.
7th
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Redbud Dr.
McElroy Rd.
Matthews Av.
21st Av.
Pioneer St.
Murray Ct.
Birchwood Ct. son Ct. Wedgewood
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Black Oak Dr.
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Karr Ct.
3rd Av.
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Rd
Sawgrass St.
3rd Av. 4th Av.
8th Av.
Western Rd.
t Dr.
Summ erlin Ct. Bridlew ood
Augus
Legendary Ln.
Pioneer St. Quail Ridge Dr. 28th C t.
Walnut St. Melrose Dr. Pine St. Redwood St. Gray St. Cleveland St. Stanley St. Garfield St.
Willis St.
Kings St. Orchard St.
Western Rd.
Dr. Ridge
e D Ridge Dr. r. Willis St.
Ridge Dr. Rid g
Devon St. Wicklow St. Ln.
Celia
August Dr.
Surrey Dr.
Dr . in Elv
Black Oak Dr.
Oxford Dr.
Culpepper
Savannah
Rocky Ridge
dge D r. Fox Le
Maple Av.
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Fountain View Dr.
August Dr. Cambridge Ct.
24th Av.
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Cedar Ct.
Ct.
Bo
Country Club Rd.
24th Av.
r.
rD eda
Maple Av.
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21st Av.
mit
Maple Av.
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Sum
Elm Av.
Elmwood Cr.
Elm Av.
Brooke Av.
Sunrise Av.
McElroy Pl.
Arrington Dr.
Virginia Av.
Virginia Av.
Krayler Ave.
Will Rogers Dr. Cimarron Pl. Cimarron Dr. Leland Frontier Dr. Linda Av. Willham Dr. Ct. Boyles Ct. Willham Dr. Manning Ct.
Connell Av.
Hanson
7th Av.
12th Av.
11th Pl.
Forest Trail Ct.
44th Av.
Turtle Pond Ct.
7th Av.
Arbor Cr. 22nd Av. 23rd Av.
Camden
51
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r.
one D
st Wood
n St.
Helena Hts.
18th Ct.
e Roc
Doral Ln.
Miller Av.
Lakeview Rd.
Fountain View Ct.
Red Rose Dr.
Aloysius Cr.
5th Av.
Will Rogers Dr.
Dryden Cr.
Hall of Fame Av. Mathews Av.
University Av.
31st Av.
Woodland Trails Dr.
Pheasant Eagle Creek Ave. Ridge Ave.
22nd Av.
Cantwell Av.
Scott Av.
Scott Av.
Emma Swim Ave.
Krayler Ave. Ridgecrest Av. Brooke Av. Moore Av. Franklin Ln. Knapp St.
Connell Av.
Connell Av.
Morrill Av.
Saddl
Deer Crossing Dr.
Ct. . nery ock Ln R dle Sad
Ln.
29th Ct. 30th Av.
Inverness Ln. Fox Ledge Dr.
18th Av.
20th Av. 21st Ct.
Quail 25th Av. Ridge Ct.
Shin
Park
k Dr.
17th Av.
n. eL
Cantwell Av.
13th Av. 14th Av.
15th Av.
erd aV
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low
Isabell Pointe Dr.
St.
Eagle Summit
Ceda
Hillside St.
Davinbrook Ln. Fiddlers Hill St. Berkshire Dr. Dublin Dr.
Fairfield Dr.
Williamsfield
Westridge St. Hillside Ct.
Fairfield Dr. Mansfield St. r Ridge Ct.
Tanglewood Cr.
Willow Park Cr.
Fox Ledge Ln.
32nd Av.
eld
Black Oak Dr. Countryside Dr.
erfi
Bristol Rd. Av. 24th Av.
Fox Ledge Ct.
Briarcreek Dr.
Wicklow St.
Devon St.
Murphy St.
Shumard Ct. Oak St. W. Shumard Dr.
Pioneer St.
Sangre Rd.
Squires St.
Charles Dr.
Rid lue Sprin B gdal Wo e Dr. odc res t Dr. 11th Ct. Edgemoor Dr.
Iba Dr.
Oak Trail Dr.
pp
Wil
Chapel Hill
S
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Knotts Av.
Lewis St.
Lincoln St.
Lincoln St. Lincoln Brooke Lincoln St. St. Hollow Ct. Monroe St. Monroe Monroe St. St. Jefferson St.
Liberty Ct.
Ivy Ct.
Cleveland St.
McFarland St.
McDonald St.
Willis St. Ridge Rd.
Country Club Rd. Windsor Dr. 2nd Ct. Kea ts D r.
Abbey Ln. Windsor Dr.
Oak Ridge Dr. Basin Ridge Dr. r. ge D
Greystone St.
Stoneridge Dr.
Westwood Ln.Westwood Dr.
. Rd
ail Dr.
Walking Tr
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Co
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Cove
8th Av. 9th Av. 10th Av.
Park Dr.
Ramsey St.
Airport Ln.
Monroe St.
Land Run Dr.
tD r. W rig h
sR d. ces
Preston Liberty Cr. Cr.
Airp ort Ind ustr ial A c
Valley Dr.
Mark Circle
Charolais Dr.
Warren Drive
Valley View Bradley Pl. Sangre Rd.
Keely Ct.
Range Rd. Crosswinds
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Stoneyb
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4th Av. 5th Av. 5th Av.
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19th Av.
18th Av.
Lyndsey Ct.
Shiloh Creek
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Austin Ct.
18th Ct.
3rd Av.
l.
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Shadow Creek Ln.
Scissortail Dr.
Stillwater NewsPress • Thursday, December 2, 2021
t.
Persimmo
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18th Av.
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Yello
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Sunset Av. University Av.
Scott Av.
Lauren Lane
Keller Dr. Lakeview Ct.
Dells Av.
Wiley St.
kor
Lou Ct
Loper Billin gslea Ln. Ct.
Summer Hill Ct. Germaine Ct.
St.
Mercury Av.
Liberty Dr.
d Dr.
land Ct . Ja Lind a
W
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Westbrook Ct. 15th Av.
Ashton Ave.
Crestview Ct. Cowboy Ct. High
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Ct.
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Woodlake Dr. Deer Creek Ct.
Canterbury
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St. Tyler Av.
Wentz Ln. University Cr.
7th Av.
Country Club Dr.
Murphy Dr.
De
Ashbury
Richfield Ct.
. Club Dr . Country Club Ct Country 14th Av. Woodland Ct. Oakfield Ct. 16th Av. Dr.
n dla
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Franklin Ln.
Farm Av. Olive Ln. Drummond Av. Athletic Av. Monticello Dr.
Arrowhead Pl.
Arrowhead Av.
5th Av.
Aggie Dr.
Dr.
Kenslow Dr.
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Admiral Av. Sherwood Av.
4th Av.
Prescot Dr.
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Durham Ct. Ashford Ct.
11th Av.
8th Av.
gle Tan
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Fairway Dr.
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Scott Av.
Miller Av.
Virgina Av.
8th Ct. 9th Ct. Trenton Av.
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Wil
Thomas Av.
177 Ct. Av. uita rgia Chiq d Ct. Geo woo Wild Dr. Brentwood Dr. n Peca Redbud Dr. Redbud Dr. Randolph Ct. Eskridge Av. Windrock Hartman Av. Cr. Tyler Av. Tyler Av. Highview Av.
Dr. nett Graham Av. Ben Will Rogers Dr. Eskridge Av. Eskridge Av.
Eskridge Pl.
Hall of Fame Av.
1st Av.
3rd Av.
Boo
Tyler Av.
Farm Av.
4th Av.
. Dr
McElroy Rd.
Walnut St.
Tyler Av.
Harned Av.
Mohawk Av.
Lak
Brooke Jefferson St.
Knapp
Oak Crest Rd.
Eastland Dr. Marcus Dr.
Swim Av.
Brooke Moore Franklin
Eskridge Av.
Windsor Cr.
Boomer Lake
Osage Dr.
oke r. Brollow D Ho
Hereford Dobi Ln.
Vena Ln.
3rd Pl.
Parkway Dr.
Liberty Rd. Preston Av.
Rutledge Dr.
Windmill Ln.
Hillcrest Av.
Lakeridge Av.
Lakeview Rd.
Airport Rd.
Newman Av.
w
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Win
Sta
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Dr.
Tobacco Rd.
Preston Ln.
State Ln.
Lisa Ct. Lori Ct. Lakeview Rd.
Av.
177 Airport Rd.
ore
Harned Av. Madison Ct.
Thomas Av. Frances Av.
Memory Ln. Country Ln.
Cheyenne Av.
illo
Harned Av.
Liberty
t.
Arapaho Av.
W
Newman Av. Hillcrest Av. Brown Av.
Reese Landing
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Pa rk Gr vie ee w C nv r. ale Cr Da . vis Ct. Ma
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Cherokee Av. Hartwood Av.
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Golf Dr.
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Stonecrest Ct.
Hartford
Richmond Hill Rd.
Washington St. Garfield St.
Stonecrest Ave.
Lynn Ln.
North
Benjamin
Richmond Rd.
Husband Pl. Northgate Dr.
St.
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