January 6 Real Estate Weekly by Stillwater News Press

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January 6th, 2021

3.12% Mortgage rates climbed slightly after the Fed’s rate announcement.

1800 N Benjamin St

3000 Range Rd “Establishing a Tradition of Trust”

$139,000

Real Estate Professionals www.stw-realestatepros.com 405-372-5151 3723 N Washington $820,000

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93665 NE Hwy 33 $154,000

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$249,000

Stillwater NewsPress • Thursday, January 6, 2022

Parents should think twice before co-signing for a mortgage Co-signing for a mortgage is a great way for parents to help their kids buy a house, but Mom and Dad should first consider the potential pitfalls. DEAR DAVE: My son and daughter-inlaw have asked my husband and I to cosign their mortgage application so they can buy their first home. Do you think we should co-sign? ANSWER: The decision to co-sign is, obviously, entirely up to you. But don’t do it until you first consider some possible consequences. When you co-sign a mortgage application, you become legally bound to make the monthly payments on the loan if the other borrowers -- in this case, your son and daughter-inlaw -- cannot or will not make the payments themselves. If you can’t make the payments either, the lender can foreclose on the property and may even be able to sue you to recover any money that it may have lost. I’m sure that your son and his wife aren’t planning to purchase a house and quickly stop making the payments, leaving you to foot the bill. Yet, I also know several well-meaning parents who

co-signed for an offspring’s mortgage and then were financially ruined by circumstances they could never have foreseen -- including the unexpected loss of a job that left the kids unable to pay or a marriage that ended in a contentious divorce a decade or two later. It’s also important to realize that co-signing for a loan can hurt your own borrowing power in the future. That’s because you will be responsible to repay the money if your kids don’t. To illustrate, let’s say that you cosign for your son’s mortgage today but then decide to buy a new house or car for yourself a few years from now. The lender who reviews your future loan application might consider your current legal obligation to repay your son’s debt and reduce the amount of money that you can borrow. I am certainly not trying to discourage you from helping your son and daughter-in-law from buying their first home. Just make sure that you understand all the ramifications of co-signing for their mortgage. ••• REAL ESTATE TRIVIA: A survey conducted by Real-

your man-cave plans -- and that’s a big assumption on my part -- it would probably be best to buy the television now rather than waiting until a few days before the Big Game on Feb. 7. That’s because retailMYERS ers today are anxious a child may be elito dump their unsold gible. holiday inventory The Federal Hous- and clear space for ing Administration the new models that doesn’t offer no-mon- will be unveiled at ey-down loans, but the giant Consumer it will insure that Electronics Show on payments will be Jan. 5. made by homebuyers I previewed several who make a down of the 2022 sets, and payment as small as they’re not much dif3.5% of the home’s purchase price. The federal Department of Housing and Urban Development operates the FHA. You can find more information about its various low-down-payment programs by visiting hud.gov or by calling the agency at 800225-5342. ••• DEAR DAVE: Our youngest son moved out of our house in September to attend college, so my New Year’s resolution is to convert his former bedroom into a “man cave” for me and my buddies. Would I save money by buying a new TV for the room now, or should I wait until the Super Bowl comes around? ANSWER: Assuming that your wife has given approval to

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DAVID tor.com found that a staggering 52% of Americans who bought their first home in 2020 said they got help with their down payment from family or friends. The No. 1 source of that help came from the buyers’ parents. ••• DEAR DAVE: Do banks still offer “zero-down-payment” mortgages? ANSWER: A few do, but they are hard to find. Most lenders who provide them charge above-average interest rates because there is a greater likelihood that the borrower will default. There are a few exceptions. The most important is for veterans of the U.S. military, who can purchase a modest house at a good interest rate provided that they were honorably discharged. Call the U.S. Department of Veterans Affairs toll-free at 800-698-2411 or visit the federal benefits.va.gov website if you think that you, your spouse or

ferent from the 2021 models (except bigger and a slightly better resolution). Look for savings of 25% or more on the 2021 lines in the next few weeks, which will give you plenty of time to install a new television before the Super Bowl arrives in early February. January also brings the start of the traditional “white sales” season, when retailers offer bedroom, bath and kitchen linens at discounts of 30% or more.

John Wanamaker, considered by some as the originator of our nation’s first department store chain, is also believed to be the creator of the first “white sale” in 1878. Wanamaker suddenly discounted prices on thin bed linens, which only came in white back then, because they didn’t sell very well in his chilly winter hometown of Philadelphia or in his handful of other stores in the Northeast.

Accidental landscaping HOME GROWN KEITH REED fend for themselves. Once they reached

a decent size, I’ve done a bit of corrective pruning (on the redbuds, the pines have not been touched) just as you would do for any landscape plant. For more information on 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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N NE Dryden sqtoft Sho Move Ready $157,000 Tiffany 502 N.701 Burdick - 3 2 Cir 1623 ft Close inIn & Schools - 225 000 - Donna 9366 HWY 33 -- 4/2/1621 3s bed, 3 bath on .75-acre m/l - -$275,000 -- Ann 2023 E. Linda - Large corner lot sq ft $248,000 5020 Ave W 10th 4 bdrm., Stillwater Country Club, lot - 1900 $360,000 - Tiffany – Tiffany 1800 N -Benjamin Stwith - 3 outbuilding. Bed 1 Bath3BR/2.5BA 1121 large sqft -Over $139,000 - Melissa 814 S. Rock Hollow Ct. - SWDr. area4 /Bed, over 3.5 1990Bath, sq ft/SCC Golf access $274,000 S Brenna 2,891 sq. Cart ft. -Ready $490,000 - Ann –- Tiffany 3723 10217 N Washington - 3/2 -1300 sq ft UPDATED Move In - $154,000 Amy 9715 E. Horizon Dr.bdrm./3 - 50 x 60 livestock barn on 5 acres with Campus! no restrictions $100,000 – Lori K- PENDING 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of OSU - $343,000 - Tiffany any 322 E Kenworthy 3/1/1178 sq. ft., Detached Garage, Storage Shed, 4 Lots $152,500 - Lori K. 0 W. 19thAve. Ave -#43 7.48- acres inside Stillwater city limits $350,000 – Lori K 6000 N Pennsylvania 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany 2206Creek W- 23rd Ave. 3/2/2, 1496 sq. ft.lot As-Is -Barn $170,000 K. 801 S. Burdick 3BR/1.5BA, 1.5 story on 1371 sq ft a $89,000 Lori-CLori PENDING! 1408 N. M5215 Spring Cir. E - -2/1 1253 sq.large ft. on 3Selling Lots with -–$299,900 - Lori K.00 – Lori 4517 Broker Associate 1115W S.Country Richfield Ct. - 3BD/2BA 1775 ft $305,000 2320 Timbercrest Dr. - 3 Bed,Club 3 Bath, 1600Lot sq. ft. sq New - $209,000 - Donna 4713 - NICE for sale -Construction $25,000– -Tiffany Donna 20J onna Lori 10 Lori 405-612-6724 2923 N. Rd. Monroe - 3BD/2BA 2321 ft $208,000 – Tiffany Shumard Oaks - 5 -Nice Lots for you tosq build your10-acres new home - Donna 3716 S. Perkins Prime Commercial Property, m/l-PENDING! -$27,000 $1,800,000 -nLori K. 7917 Pickles GapLarge - Nicelots large in Perkins School District $22,500 Lori Scotthaven Addition - Nice in lot Perkins School District/starting at -–$45,500 - Donna 11620 W. 100th, Coyle - 4.98-acres m/l with a pond. Just minutes from major cities. - $60,000 - Lori K. Hallies Meadow NEW CONSTRUCTION 4BD/2BA sq ft $379,900 – Lori 5607 6021 S Mehan Rd. - 52.5-acres for Sale, Will Divide, Ripley2347 Schools - $349,000 - Tiffany y5,900 1408 N.SPEND Mai iffany –- Lori 5607.1 Mehan 41.5-acres, Just North of 68th & Mehan, Ripley Schools NEW PRICE $249,000 Tiffany 5005 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 5706 W. Garden Pointe - Gated 3BD/3BA, 2754 ft $550,000 – Ann 6023 Haydans Brk. Dr. - New Construction, 2075 sq. ft. -sq $338,500 - Lori K. 1218 W 12th - 4 Commercial Lots in aCommunity very High4/2, Traffic area/starting at $255,000 - Ann 3618 W. Fountain View Ct. --5BD/2.5BA, in ground pool - Woodland $362,900 – Tiffany 3000 Range Rd. 4 bed,Radiant 4.5 bath, on 3.2-acres - $845,000 -addn Tiffany/Dolores $820,000 5504 W Creekside Dr. -S. GATED COMMUNITY, Luxury, 5/4.5, 5823 sq. ft.Trails - NEW PRICE $1,580,000 - Dolores/Tiffany 208 N. Donaldson - 4BR/2BA 1851 sq ft - close to shopping & schools $205,000 – Donna a Rd. - Nice Commercial Building sale - $2,245,000 - Tiffany 719Cedar Kar Crest3215 0 - Tiffany 9001 TrailS. - 4Boomer bdrm./3 bath/5-acres/Pool/Summer Kitchenforplus more!! C11 - NEW PRICE $995,000 - Tiffany 910Main Kansas / Pawnee - 1936 farmhouse / 1 acre lot with outbuildings $129,999– Tiffany 211 E. St., St. Coyle - 64 Unit Storage Building, GREAT INVESTMENT - $165,000 - Donna Deer Pointe 3/2/2OK, on Cute 2.5-acres, 1917 sq. ft. - NEW PRICE- $75,000 $268,000 Kyle ri- -Lori 415 W. 80th - -52.65 acres ruralhome property, no restrictions $300,000 – Lori riffan 50518575 S. 11 Morton Ave. - Ripley, across from the School K. 301 S. S. Main Duck - Beautiful Officecommercial Building inunit the heart oftoStillwater -Lake $900,000 - Lori K. 617 -St. Downtown Stillwater plus apartment unit $395,000 – Tiffany 2923 - 3 bdrm./2 bath/Study/Game Room. One block Boomer - $219,000 - Tiffany 29 N. Monroe Tiffany S. Ct. 3354 / Carney sq ft to -2out building $199,900 – Lori- Dolores/Tiffany 000 N Glenwood - 9Rd lots platted-3BR/2BA for2duplexes Boomer Lake - $420,000 - Tiffany 120 W Tyler -830456 CALLING ALL INVESTORS, Units,1468 12close Apts., bed, 1 bath - $950,000 719 Karen , 0 - Tiffany 111 E. Tower / Perry 3BD/1BA 1118 sq ft $79,800 – Tiffany 7917 Pickles Gap - Nice large lot ininPerkins School4District - $22,500 - Lori - ,900 14083337 N. W Charleston - Lori Ct. - New Construction Berry Creek, bed, 2.5 bath - $397,900 Donna N. Burdick - 3BR/2BA sq ft Close to shopping & schools $209,000 – Donna- Lori 6021502 Hallies Meadow - NEW 1623 CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 5215 Spring Creek Cir. E 2 bed, 1 bath, 1253 sq. ft. on 3 lots with a barn NEW PRICE $250,000 - Lori K. 2923 iffany 920, 920 1/2 S. Duck 2 Investment properties, -2Oh, homes, bedrooms total $160,000- Donna – Amy 5005 N Perkins Rd. .- -4,000 sq. ft. warehouse the 5possibilities - $399,900 Roka Hidden Lake - 14 Beautiful Lotsand on the Side - $52,500-$79,000 - 35,900 Lori K. - Lori W. 80th building shopNorth on2,754 11.5 acres – Lori$495,000 57061408 W. Garden Pointe Dr.- -Commercial Gated Community 3BR/3BA, sq. ft.$4,000,000 - NEW PRICE $510,000 - Ann N. M 101 354 S.Kansas Cou ,500 -- Tiffany Lakeview - 10 acres of Stillwater $300,000 Lori 2113 N. Crescent Dr.W. - 4/2.5/2, sq. ft. GREAT LOCATION - NEW–PRICE Ann 910 St. /5011 Pawnee - 19362439 farmhouse / NW 1-acre lot with outbuildings - $129,999 - Tiffany 4517 0$345,000 - Lori 522 12th33 - Commercial building in downtown Stillwater – Lori 415 W.E. 80th - 52.65-acres rural property, nom/l restrictions -$250,000 $250,000 - Lori- Ann - Tiffany 354 9366 NE Hwy. 3 bed, 3 bath, on .75-acre NEW PRICE $249,000 PENDING ,900 - Tiffany 3546172620 ffany S. Black Oak Dr. -Stillwater 4BD/3BA,commercial 4813 sq ft Georgian & style – Donna S. Main - Downtown unit pluselegance apartment unit$950,000 - $395,000 - Tiffany 6000 Pennsylvania Ave. St. #43- -3BR/2BA 2 bdrm./2.5 Bath Condo, Oklahoma City -– NEW PRICE $119,000 - Tiffany 1304 &N1111 45,000 - Lori 354 iffany 1012 N. Manning storm shelter, outbuilding $195,000 Tiffany PENDING! E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany - PENDING PENDING W Country -2NICE Lot5for sale - Donna W. 3rd - Close toClub campus 3BR/2BA 2208 sq-ft$25,000 $239,000 – Tiffany 920, - 2 4713 Investment properties, homes, bedrooms total - NEW PRICE- $152,500 - Amy - - ,000 -Tiffany 1304 & 920½- S. Duck2218 - Lori 1408 N. Main / Perkins4BD/3BA sq NEW CONSTRUCTION on- $4,000,000 golf course $325,000 Shumard - 5 Nice2098 Lots forft you buildon your new home - $27,000 --Donna 101 W. 80thOaks - Commercial building andtoshop 11.5-acres Lori – Lori 4517Addition Jenna Ln. - 3BD/2BA 1756 ftNW NEW CONSTRUCTION $266,900 – Lori - Donna 5011 W. Lakeview - 10-acres ofSchool Stillwater - $300,000 - Lori Scotthaven - Nice large lots insqPerkins District/starting at $45,500 354 Tiffany 115E.E.12th 80th- Commercial - 14.5 acres m/l Just North of 68th & Mehan - $121,075 - Tiffany 354 S.3 522 Tiffany building in downtown Stillwater - $250,000 - Lori --Kyle 1218 W 12th - 4 Commercial Lots in a very High Traffic area/starting at $255,000 Ann 203 E 80th - Nice4,813 large office on 3 acres m/l $950,000 – Lori- $950,000 354 Cou , 00 -Lori Tiffany . Kyle 2620S306 S. Black Oak Dr. 4BR/3BA, sq. ft. Georgian elegance & style Donna 270 . 7 2707 7 Lori 3000 S. Range Rd.--4BD/2BA 4 bed, sq. 4.5 3.2-acres - $820,000 -– Tiffany/Dolores E 2nd 1717 sq ftonSplit floor plan $175,000 Ann PENDING & 1306 24 ft. - $135,000 - Lori 14081304 N. Main /Perkins - 4BR/3BA, 2,098 ft.bath, NEW CONSTRUCTION on golf course -sq. $325,000 $315,000 - Lori K. 2707 W.S4 3202 317 Lori Lori 6038 Haydans Brook 4BR/2.5BA 2183 sqfor ft $349,000 – Lori - Lori S.-Boomer Rd. - Nice Building sale- -$266,900 $2,245,000 4517 Jenna 3BR/2BA, 1,756 sq.Commercial ft.- NEW CONSTRUCTION PENDING 2023215Ln. 5- Tiffany - -Donna 2112 N.Ave. Monroe - 2 Commercial buildings on & 3 from acres $600,000 – -Dolores E. 80th - 14.5-acres m/l just of across 68th Mehan - School $121,075 - Tiffany Lori K.- Lori K. 6115 505 S. Morton - Ripley, OK, Cutenorth home the $69,900 354 S. Council Rd. - Land forlarge sale office in Crescent, OK - No restrictions 33.5 acres m/l $167,000 Tiffany 203 E. 80th Nice on 3-acres m/l NEW PRICE $1,200,000 - Lori -–Tiffany 000 N Glenwood Ct. - 9 lots platted for duplexes close to Boomer Lake - $420,000 . as or S. Burdick - 3BR/2.5BA ft $87,000 – Tiffany 3202 0000 E. 2nd 4BR/2BA, 1,717 sq. ft. Split1371 floorsq plan - $170,000 - Ann ---PENDING S.- 801 Ann - - Donna 5005 S Perkins Rd. 4,000 sq. ft. warehouse Oh, the possibilities $399,900 W 6038 44th Haydans - 15.86 acres - will -divide, look for2,183 signs west $317,000 ffany Brook 4BR/2.5BA, sq. ft.of- Western $349,000 - Lori, – Lori any 474 2707 . 415 W. 80thOaks - 52.65-acres ruralacres property, no restrictions - $250,000 - Lori Cedar 19th - 7.48 m/l inon city3-acres limits $350,000 – Lori 2112 N. Monroe - 2&Commercial buildings - $600,000 - Dolores N. Possibilities! $2,352,900 Lori 601 fany N.101 Lori- PENDING 0000 S. Country Club Rd. - 20forAcres onwest Paved Road - $200,000 - Ann- Lori 2707 W 44th - 15.86-acres - will divide, look signs Western -- $317,000 80th - Commercial building and shop onof11.5-acres $4,000,000 - Lori W. Lori Crosby Donna-pleasure Rhinehart 4717 S. Turtle Pond Ct.&- Great m/l Lotm/l for in your - $45,000 - Tiffany Montie Stewart Monty Stewart 19th -.-acre 7.48-acres citybuilding $350,000 - Lori 115Cedar E. 80thOaks - 14.5-acres m/l just north of 68th &limits Mehan - $121,075 - Lori K. 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.$1,200,000 - $349,000 405-612-4184 203 E. 80th - Nice office onm/I, 3-acres m/l - NEW PRICE - Lori 405-747-7306 405-372-5151 ngton Rd. large 151.8 acres OH the N. Washington Rd. -- 151.8-acres m/l, OH the Possibilities! Possibilities!- -$2,352,900 $2,352,900- -Lori Lori

tree to become established, and that can easily happen. Begin the identification process by looking for clues close by-what else is growing in the area? While this is not a foolproof method of ID, it’s a good start as more often than not, the parent tree will be within viewing distance of the new plant. If you locate some trees that are possibly worth keeping, it is a good idea to mark them with a stake or wire flag as it’s easy to lose them in the spring cleaning shuffle. This idea may seem a little bit “out there” for you, and indeed, it’s not applicable for many landscape situations. However, it is something to keep in mind as you get better acquainted with your landscape. If nothing else, it can help you to improve your identification skills. Speaking personally, my landscape is currently benefitting from two eastern redbuds and two loblolly pines that I simply allowed to grow. All four of these trees have come up during the severe drought of the last few years and they share the common trait of having never been really cared for, I simply left them alone to

Stillwater NewsPress • Thursday, January 6, 2022

Surprise! We find ourselves well into December without any appreciable winter weather so far. Couple this with a mostly favorable forecast and its all the more reason to spend some bonus time in the outdoors as 2015 comes to a close. I was doing just this last weekend and was pleased to see a number of new trees that have come up from seed. Now, I’m the first to admit that trees coming up from seed usually means trouble for the landscape. Seedling elms, maples, cottonwoods, mulberries, and of course eastern red cedars are especially troublesome in our area. However, don’t be too quick to judge every tree that comes up unplanned as a weed problem. And while we are on the subject, it’s worth noting that a weed is simply a plant out of place, regardless of species or size. Right now, and again in the late spring is a great time to inspect your landscape carefully and see if some of these seedlings might actually fit into your existing landscape if allowed to grow. Obviously, proper identification is important as you don’t want to create a problem by allowing a problem

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Stillwater NewsPress • Thursday, January 6, 2022

Attracting busy contractors By Anne Millerbernd be more likely to BE PATIENT — up the phone,” she NerdWallet call you back if an AND NICE says. existing customer For Williams, Frustrating as it Brian Gawthrop refers you. You can summer is the is, don’t let anger has waited over six try a friend, family busy season and get the best of you. months to remodel member or neighdemand starts to Starmer says renhis home. bor who’s had work drop in the fall; ovations are hard The Washington last year, howevwork, and a little state-based certified done recently. Mike Williams, er, he stayed busy empathy goes a financial planner owner of Maryland through the end of long way. and his wife have Professional Conthe year. RenovaIf someone is a long enough tractors, says when tion timelines could unkind early on, wish list to keep a he has dozens of be delayed by backStarmer assumes contractor busy: a voicemails, referrals logged city permit they’ll be unkind kitchen remodel, requests, a shortage to her staff as well, new flooring, a new get the first calls back. of subcontractors and usually moves deck and many Williams says he and backordered on to a new client. other upgrades. enjoys working with materials. They did a cashnew customers, but Christina StarmKNOW WHAT out refinance last the referral neter, building contracYOU WANT summer, which work supports his tor at CenterBeam Research finishes, lowered their mortbusiness. Construction in like cabinets and gage rate and gave “That base supJacksonville, Flori- countertops, before them money to use ports about seven da, says she returns calling a contractor toward home imfull-time employees every customer’s because they can provements. They right now,” he says. call, but acknowlmake a big differplanned to start “I know that was edges that not all ence in the project’s soon after receivthere before this contractors do. cost, says Jonathan ing the cash, but boom, so I’m pretty “I think it’s realLarkin , sales manby mid-December sure after the boom ly important to be ager of St. Paul, Gawthrop still we’ll have that reextremely kind to Minnesota-based hadn’t found the ferral base.” the customers and JoNick Construcright contractor. You might also call them back, but tion. Contractors say use your real estate the customers right “It’s much easier pandemic-promptagent. Williams now are just exto write up a bid if ed home remodels says about half of tremely frustrated somebody has some have kept their his referrals come because they can’t solid ideas of what schedules full, from agents. get anyone to pick they really want,” while labor and material shortages have extended project timelines. That means the next contractor you call may Dedicated professionals providing unrivaled service. be more selective about the projects they accept, and 114 W. Hall Of Fame • Stillwater • 405.533.3000 your quote may be higher than you exStillwaterSignatureRealEstate.com| f @RemaxSignatureStillwater pected. Here’s how to th th stand out in a OPEN HOUSE SUNDAY, OCT. 24 OPEN HOUSE FRIDAY, DECEMBER 17TH OPEN HOUSE •• SUNDAY, SEPT. 26 OPEN HOUSE SUNDAY, JANUARY 9TH crowd of homeowners vying for a con1120 S. Prairie Road 924 Seminole 836 Oklahoma St. 712307 Mary 302 S. Benjamin St. 3132 Court Wedgewood Drive 814Madison S. Drive 1014 N. 719 S. St. tractor’s attention. GET A REFERRAL A contractor may

Stillwater OK Stillwater Stillwater Morrison Morrison OKCIR. 74074 Stillwater STONEYBROOK ST.Stillwater, DRYDEN BERRY ST. 12:30-2:00 2:00-4:00 2:30-4:00 1:00 -1:00 3:00- PM 2:00 4:00 PM 2:00 4:00 PM Stuart Homes 3:00Brooke pm 1:00 2:30 pm 3:30 - 5:30 PM BELINDA JAMES KristinJAMES Dondlinger Candy Yundt Wooldridge 1:00 - 2:00 pmBowman Julie Bahl and KristinBeth Dondlinger Heath Ashley

he says. If you don’t have the details ironed out, Larkin recommends setting a budget ahead of time. Giving a number may feel like relinquishing leverage, but he says a reputable contractor will use your budget to help you assess options, not overcharge you. Your budget may need to be higher than before the pandemic, he says. Wood prices skyrocketed last spring and still haven’t fallen to their pre-pandemic levels. Other materials, like shingles and siding, are also more expensive than they were in 2019, Starmer says.

Larkin recommends getting an itemized estimate in case you need to find opportunities to cut costs.

increase or decrease by more than 12% between the time he makes a bid and when the project starts, he’ll correct the bid. This helps PROTECT YOUR protect him and FINANCES his customers from Gawthrop says volatile materials his wife wants to prices, he says. start their renovaIf you’re not tions sooner than paying for the renolater, but he wants vation in cash, comto stay budget-con- pare financing opscious. In this mar- tions. For example, ket, he says price home equity financseems largely at the ing typically comes discretion of conwith single-digit tractors. rates and repay“It kind of feels ment terms of 10 or like the wild west,” more years, while he says. personal loans can But you can have rates between maintain control of 6% and 36% but your finances. shorter terms of one For example, ask to seven years. to build a pricing Weigh each type buffer into the con- of financing to find tract. Larkin says one that works best if material costs for you.

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Steps to reach your money goals NerdWallet

YOUR EMERGENCY FUND Emergency funds offer flexibility and comfort should you face unexpected expenses, but building one can be tricky. Behavioral economics suggests starting small, Burke says. “Instead of setting a goal of saving $400 a month, it could be better to save $100 a week or an even smaller amount daily. There seems to be less friction to getting started when the time period is smaller so it’s pennies per day instead of dollars per month,” Burke suggests. That means if you have a goal to save $1,000 by the end of the year, increase your chances of success by thinking of

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it as saving $2.75 a day. 3. AUTOMATE LONGER-TERM SAVINGS Another lesson from behavioral economics, Burke says, is to set up automatic transfers into your savings each month. “In terms of improving long-term outcomes, it’s really helpful to have things automated as much as possible,” he says. For example, if you contribute to a retirement account directly from your paycheck, you have to set it up only once, and your savings will continue to be deducted. You can also sign up to automatically increase the percentage you are saving each year or each time you get a salary increase,

Burke adds. You could set up similar automatic transfers into a college savings account or a high-yield savings account for other goals like saving for a down payment. 4. PAY OFF THE DEBT WITH THE LOWEST BALANCES For Americans hoping to pay off high-interest debt this year, David Gal, professor of marketing at the University of Illinois Chicago, says his research shows that consumers are more successful if they start by focusing on the smallest balances first, called the debt snowball method. “That gives the perception of success and progress, and increases the motivation to pay off the

bigger accounts,” he says. Daphne Jordan, a CFP and wealth adviser in Texas, emphasizes the importance of staying positive. “Think about where you want to go in this new chapter of life,” she suggests. “Don’t see your financial past as a mistake. Everything is a learning experience.” Having an accountability partner to check in with can also help keep you on track, says Rianka Dorsainvil, a CFP in Maryland and co-CEO of 2050 Wealth Partners, a financial planning firm. “Like with fitness, if we can count on one person checking in on us, we’re more likely to be successful.” 5. PLAN FOR

SOME FUN, TOO Budgeting for 2022 doesn’t have to be a downer: You can also fit in some fun spending plans, which might include reconnecting with friends and family. “If you want to take a trip in August, think about the cost of the plane ticket, hotel and food,” Dorsainvil says. If it totals $3,000, then aim to start saving $375 a month through August. That way, she says, “You’re being realistic and setting measurable goals” – two approaches that increase your chances of success. NerdWallet link: How to use debt snowball to pay off debt https://bit.ly/ nerdwallet-what-isa-debt-snowball

YOU in 2022

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Stillwater NewsPress • Thursday, January 6, 2022

debt and assets. A complete picture of your finances can In addition to the help you decide new year bringing what to focus on for confetti and a fresh the new year, she calendar, it’s a time says, and provide to set big money a document that’s goals for the next easy to update an12 months. That nually. might mean finally Luong also sugpaying off debt, gests tracking your buying a house or monthly cash flow taking a long-dewith a spreadsheet layed vacation. or app to help you With inflation answer questions and economic unabout what mortcertainty clouding gage payment you 2022, shoring up could afford or your finances this which expenses month can feel even you might be able more urgent. to cut. “If you have “When you plan those numbers to start in the new organized, it’s easyear or some other ier to have those important date for conversations, with you, it can be easa professional or ier to make that with yourself, about behavioral change, what you can acbecause we feel tually afford,” she like we’re making says. a fresh start,” says A complete Jeremy Burke, a self-assessment insenior economist cludes reflecting on at the University your values, which of Southern Calimay have shifted fornia’s Center for during the pandemEconomic and Soic. “Figure out what cial Research. is really important Here are five to you. Maybe you steps money exdon’t want to spend perts recommend as much on clothes, to help you reach or you’d like to help your money goals in more charities. 2022: Maybe instead of a car, you’d like a 1. GET A CLEAR nice desk and chair. VIEW OF YOUR It’s easier to follow FINANCES your budget when “The first step for it’s aligned with everybody is to get your values,” says organized,” says Shari Greco ReichPhuong Luong, a es, a wealth mancertified financial ager in Illinois and planner at Saltbox author of the book Financial in Mas“Maximize Your Resachusetts. That turn on Life.” means making a 2. TAKE BABY list of your savings, STEPS WITH By Kimberly Palmer

Save for what makes you feel good in 2022 By Laura McMullen

Stillwater NewsPress • Thursday, January 6, 2022

NerdWallet

You probably know to plan and save for the big and boring expenses, aka financial needs. But what about the fun stuff? Expenses that don’t put a roof over your head, but do provide joy, rejuvenation and other hard-to-quantify benefits are worth saving for, too. In fact, they deserve their own account, says Delia Fernandez, a Los Alamitos, California-based certified financial planner. “Figure out what keeps you going, what makes all of this worthwhile to you, and put money aside to make that happen,” she says. WHAT KINDS OF EXPENSES ARE WE TALKING ABOUT? When it comes to feel-good expenses, each person has their own preferences, says Aja Evans, a New York-based financial therapist and licensed mental health counselor. For example, some people would find an intense cycling class to be energizing and confidence-boosting.

Others would rather do pretty much anything else. Consider which goods, services and activities typically bring you joy. Yes, your budget will determine what, exactly, you can afford. But, for now, reflect. Fernandez asks: “What’s going to get you through these times? And what makes your life valuable? What refreshes you; what inspires you?” A few ideas: services like massages; goods like fresh flowers; activities like vacations and date nights. WHY SHOULD I SET UP A FEELGOOD ACCOUNT? Earmarking money for these kinds of expenditures may help you be more intentional with spending. For example, say you put $25 from each paycheck in a vacation fund. With that money safely stashed, you can’t mindlessly spend it on impulse purchases. You’re also protecting that money from financial demands. Otherwise, if all your available money were in one bucket, Evans says your self-care

spending would likely be the first to cut when money is tight. By devoting money to a specific kind of expense – be it a mortgage or manicure – you’re creating a budget. And budgets help prevent you from overspending. Say you have up to $50 to spend each month on brunch with friends, and you’ve already spent $35. This weekend, maybe you still enjoy brunch but skip the mimosa that would put you over the $15 you have left. Ideally, this plan also hedges any potential guilt about spending money on yourself. As Fernandez says: “You put it aside for that purpose.” HOW DO I SWING THIS? Hopefully you’ve been convinced to treat yourself in the new year. Now plan for those treats. One way to determine how much you can afford to spend is to apply the 50/30/20 rule to your monthly take-home income. The goal of this budget method is to split your money as such: 50% toward needs, 30% toward

wants and 20% toward savings and debt repayment. If you follow that framework, your new feel-good fund would come from that “wants” category. Not trying to officially budget at this point? Here’s another approach: Start with your monthly after-tax income, then subtract all the necessary expenses (needs), which include housing, food, transportation, basic utilities, insurance, child care and other expenses that enable you to work, as well as minimum loan payments. Next, subtract contributions toward savings goals (like an emergency fund), as well as payments toward retirement accounts and debts. What’s left is your discretionary money. Decide how much of that to regularly contribute to your new fund. “That could be $10. That could be $50. That could be $100,” Evans says. “The main point is that you’re actually setting aside the money.” Ideally, these contributions go directly from your paychecks

to a new fund, Fernandez says. (Work with your employer to set up a new direct deposit.) If that method is unavailable, set up recurring automatic transfers from your everyday checking to the new account. WHERE DO I KEEP IT? Fernandez recommends keeping this fund in an online savings account, in which you’ll likely earn interest. Note that you’re typically limited to six withdrawals or transfers per month from savings accounts before incurring fees. That rule has been temporarily relaxed

during the pandemic, but to avoid fees in the future, consider a savings account only for infrequent withdrawals. Use it for your monthly spa visit, for example. Or watch your savings grow as you collect cash for a trip or large purchase. If you plan to use this fund more than six times per month – say, for frequent morning smoothies – opt for a checking account. Open it at a financial institution you don’t already use, so the new account isn’t too easy to tap for everyday expenses. Aim for a free account, with no monthly fee or

minimum balance. A few of those checking accounts even earn a little interest. WHAT’S NEXT? Enjoy the stuff for which you saved. Then regularly revisit your plan, Fernandez says. You may want to change how much you contribute – perhaps more after a raise or less after an emergency expense. What you save for could change, too. Maybe you wind up preferring drawing lessons over cycling classes. “We all have to have a plan,” Fernandez says, “but we all have to update it and change it when the facts change.”

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Stillwater NewsPress • Thursday, January 6, 2022

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Yost Rd.

To Cimarron Turnpike

Topaz Ave.

Amethyst Ave.

Duncan

Nancy Lee Dr.

Evergreen

Dr.

Ct.

Perkins Rd.

Knoblock St.

Star Dr.

Teal St.

Bluestone St.

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

t. Lew is S

Lowry St.

Lowry St. 37th Av.

36th Av.

37th Av.

Cottontail Ln.

Jardot Rd. 44th Av.

Hunters Cr.

Dr. Deerfield

s Wild Turkey Pas

Vista Ct. Vista Ln.

177

Katy

S. Westchester St.

Hightower St.

Henderson St.

Mockingbird Ln. Collins Ct. Colby Lance

Villa Dr.

Drury Ln.

4th Av.

Eastgate St.

Crestwood Cr.

Raintree Av.

3rd Av. 4th Av.

Peach Tree Av. Stonegate Av.

19th Av.

35th Av.

44th Av.

Av.

Lydia Ln.

32nd Av.

Perkins Rd.

Husband St.

Timberline Dr.

Washington St.

Sangre Rd.

Western Rd.

Forest Trail Ct.

3rd Av.

5th Av.

17th Av.

34th Av.

Fern St.

Main St.

Pioneer St.

35th Av.

2nd Av. 4th Av.

Jardot Rd. 16th Av.

Payne St.

Dr.

Main St.

Husband St.

Knoblock St.

Cambridge Dr.

West St.

33rd Av.

Dr.

Pinewood Cr.

29th Av.

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Pos Oakwood Dr.

9th Av.

ow Hight

Payne St.

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Hall St.

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7th Av.

177

31st Av.

Denver St. er St.

Jardot Rd.

Payne St.

Blair St.

4th Av.

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30th Av.

Timbercrest Cr.

4th Av.

25th Av.

Mar Vista St. 28th Av.

Timbercrest Dr.

Wedgewood Dr.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

24th Av.

26th Av.

Denver Ct. Denver St.

Jardot Rd.

Wedgewood Ct. Wedgewood Dr.

Blair St. Payne St.

Eastern Av.

Ransom Dr.

Springfield St.

ott

Aetna St.

Hartford St.

Chester St. Fern St.

Burdick St.

James Ct. Hartford St.

Lowry St. Lowry St.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

Matthews Av. Virginia Av.

19th Av.

22nd Av.

Cedar Ct.

Ct. Wedgewood

21st Av.

22nd Av.

Connell Ct. Connell Av.

12th Av.

Alc

Pennsylvania St.

Lowry St.

Lewis St. Lewis St.

Chester St.

Fern St.

15th Av.

17th Av. 18th Av.

Pl.

8th Av.

13th Av. 13th Pl. 14th Av. 16th Av.

Skyline Ln.

Grandview St.

Manning St.

Donaldson St.

Stallard St.

Burdick St.

Perkins Rd.

Grandview Ct. Grandview St.

Manning St.

Briarwood Dr. Manning St.

Su nn nn y yb Ct bro ro . ok o

Benjamin St.

Dryden St.

Berry Ct. Arrington Ct. Arrington Dr.

Hartford St. Dryden St. Redbud Ct.

Star St.

Lewis St.

Hoke St. Husband St.

Masin St.

Husband St. Husband Pl.

Main St.

Duncan St.

Duck St.

West St. West Bl.

Walnut St.

12th Av.

Birchwood Ct.

Whitney Ct. McElroy Rd.

7th

8th Av.

11th Av.

Karr Ct.

3rd Av.

4th Av. 5th Av.

7th Av.

9th Av. 10th Av.

Payne St.

Dryden St.

Hartford St.

Benjamin St.

Park

Pa rk Sta Dr. rD r.

d Dr.

Main St.

Duncan St.

West St. Duck St. West St. Duck St.

Duncan St.

West St.

Knoblock St.

Hester St. Hester St.

Knoblock St.

Washington St.

Ramsey St.

son

Maple Av.

5th Av.

Monroe St. Jefferson St.

Adams St.

Blakely St. Stanley St.

Pine St.

Gray St.

Orchard St.

McDonald St.

Walnut St.

McFarland St. Kings St.

Willis St.

Han

Ct.

Redbud Dr.

Young St.

Park Dr. Park Dr. Keller Dr.

Husband St. r. an dD sb

Crescent Dr.

Husband St.

Ramsey St.

Knoblock St.

Washington St. Bellis St.

Hester St. Knoblock St.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

Monroe St.

Hester St.

Ramsey St.

4th Av.

Willis St.

Silverdale

Summ erlin Ct. Bridlew ood

Crescent Dr.

Ramsey St.

Lincoln St. Lincoln Brooke Lincoln St. St. Hollow Ct. Monroe St. Monroe Monroe St. St. Jefferson St.

Garfield St. Clevelan

Walnut St. Melrose Dr. Pine St. Redwood St. Gray St. Cleveland St. Stanley St. Garfield St.

Kings St. Orchard St.

Willis St.

e D Ridge Dr. r. Willis St.

Ridge Dr. Rid g Western Rd.

t Dr.

Augus

Oxford Dr.

Legendary Ln.

Pioneer St. Quail Ridge Dr. 28th C t.

Kerr St.

d St.

McFarland St. . Kings St

Western Rd.

Dr.

Wicklow St.

Devon St.

Devon St. Wicklow St. Ln.

Celia

August Dr.

Surrey Dr.

Dr . in Elv

Black Oak Dr.

Dr. dar

Cedar Ct.

3rd Av.

Eagle Summit

Maple Av.

Black Oak Dr.

mit

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Rocky Ridge

r. dge D Fox Le

August Dr. Cambridge Ct.

24th Av.

Sum

Maple Av.

21st Av. 23rd Av.

McElroy Pl.

Elm Av.

8th Av.

12th Av.

11th Pl.

Connell Av.

Arrington Dr.

Elmwood Cr.

Elm Av.

Brooke Av.

Sunrise Av.

Will Rogers Dr. Cimarron Pl. Cimarron Dr. Leland Frontier Dr. Linda Av. Willham Dr. Ct. Boyles Ct. Willham Dr. Manning Ct.

Hanson

Virginia Av.

Krayler Ave.

Fountain View Dr.

Miller Av.

19th Av.

22nd Av. 23rd Av.

Camden

7th Av.

k Ln.

Country Club Rd.

7th Av.

Arbor Cr.

e Roc

Doral Ln.

44th Av.

Turtle Pond Ct.

5th Av.

Will Rogers Dr.

Dryden Cr.

Hall of Fame Av. Mathews Av.

University Av.

Saddl

Isabell Pointe Dr.

18th Ct.

24th Av.

Quail 25th Av. Ridge Ct.

Ct. . nery ock Ln R dle Sad

Ln.

n St.

r. one D

st Wood

Helena Hts.

22nd Av.

Scott Av.

Lakeview Rd.

Fountain View Ct.

Red Rose Dr.

Aloysius Cr.

18th Av.

Cantwell Av.

Connell Av.

Morrill Av.

31st Av.

Woodland Trails Dr.

Pheasant Eagle Creek Ave. Ridge Ave.

Shin

Park

Deer Crossing Dr.

17th Av.

Ln.

29th Ct. 30th Av.

Inverness Ln. Fox Ledge Dr.

15th Av.

Av.

Emma Swim Ave.

Krayler Ave. Ridgecrest Av. Brooke Av. Moore Av. Franklin Ln. Knapp St.

177

a Ct.

uit Chiq d Ct. woo Wild Brentwood Dr. n Dr. Peca Redbud Dr. Redbud Dr. Randolph Ct. Eskridge Av. Windrock Hartman Av. Cr. Tyler Av. Tyler Av. Highview Av. rgia

Cantwell Av.

13th Av. 14th Av.

20th Av. 21st Ct.

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St.

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Fox Ledge Ln.

32nd Av.

Culpepper

Savannah

Willow Park Cr.

Black Oak Dr. Countryside Dr.

St.

Murray Ct.

eld

Sawgrass St.

erfi

Bristol Rd. Av. 24th Av.

Fox Ledge Ct.

Briarcreek Dr.

Ridge

Pioneer St.

Sangre Rd. Murphy St. Fairfield Dr.

Fairfield Dr. Mansfield St. r Ridge Ct.

Hillside St.

Davinbrook Ln. Fiddlers Hill St. Berkshire Dr. Dublin Dr.

Shumard Ct. Oak St. W. Shumard Dr. Williamsfield

Westridge St. Hillside Ct.

Ceda

Windsor Dr.

Squires St.

Tanglewood Cr.

Iba Dr.

Oak Trail Dr.

Wil

Chapel Hill

Glenwoo

Lincoln St. Liberty Ct.

Ivy Ct.

Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Country Club Rd. Abbey Ln.

Windsor Dr. 2nd Ct. Kea ts D r.

Oak Ridge Dr. Basin Ridge Dr. e Dr. Ridg lue Charles Dr. Sprin B gdal Wo e Dr. odc re 11th Ct. st Dr. Edgemoor Dr.

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

d. Walking Trail Dr .

Vil la

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ntry

10th Av.

Wehr Ln..

Knotts Av.

P rrey

19th Av.

18th Av.

Lyndsey Ct.

Shiloh Creek

r. k D r. r. 15th Av. Old Forest D D roo stb hire ar Charleston Cypress Mill We orks alam Y Sh 18th Ct.

4th Av. 5th Av. 5th Av.

Dr. Park Cr.

Ramsey St.

Airport Ln.

Monroe St.

Land Run Dr.

tD r. W rig h

d. sR 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

Stoneyb rook St.

k Cree lder

Bou

ge drid W oo

Range Rd.

3rd Av.

e nic Eu

Austin Ct.

Westbrook Ct. 15th Av.

Shadow Creek Ln.

Scissortail Dr.

Stillwater NewsPress • Thursday, January 6, 2022

kor

Persimmo

Wil

Hic

land Ct 18th Av. . Ja Lind a Lou Ct. Loper Billin gslea Ln. Ct.

Summer Hill Ct. Germaine Ct.

Cove

Sunset Av. University Av.

Scott Av.

Dells Av.

Wiley St.

C low

Ashton Ave.

Crestview Ct. Cowboy Ct. High

St.

Wentz Ln. University Cr.

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

Country Club Dr.

Murphy Dr.

Charring Cross

liff

od Wo Crestview Av.

Woodlake Dr. Deer Creek Ct.

Canterbury

Bria

Richfield Ct.

Dr.

Ashbury

d lan

St. Tyler Av.

Farm Av. Olive Ln. Drummond Av. Athletic Av. Monticello Dr.

Arrowhead Pl.

Arrowhead Av.

5th Av.

Aggie Dr.

ood

Kenslow Dr.

nshir

Devo

Admiral Av. Sherwood Av.

4th Av.

Prescot Dr.

w gle Tan

Durham Ct. Ashford Ct.

8th Av.

. Club Dr . Country Club Ct Country 14th Av. Woodland Ct. Oakfield Ct. r. 16th Av. D

Fairway Dr.

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Dr.

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Cr.

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Keller Dr. Lakeview Ct.

d Dr.

Frontage Road 7th Av.

11th Av.

Mercury Av.

Liberty Dr.

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Oak

5th Pl.

5th Av.

Pecan Lake Av. Trenton Ct. Pecan Trail Ct.

coln

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Osage

Wild

Pecan Hill St.

Oakdale

10th Av.

Rd.

Scott Av.

Miller Av.

Virgina Av. 2nd Av.

9th Av.

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t Dr. nw hurs r. Gle D

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Dr. nett Graham Av. Ben Will Rogers Dr. Eskridge Av. Eskridge Av.

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Hall of Fame Av.

1st Av.

8th Av.

mer

McElroy Rd.

Tyler Av.

Farm Av.

7th Av. 8th Av.

Boo

Reese Landing

Walnut St.

Tyler Av.

Harned Av.

Mohawk Av.

e Lak

Brooke Jefferson St.

Knapp

Oak Crest Rd.

Eastland Dr. Marcus Dr.

Swim Av.

Brooke Moore Franklin

Eskridge Av.

8th Ct. 9th Ct. Trenton Av.

Boomer Lake

Osage Dr.

oke r. Brollow D Ho

Hereford Dobi Ln.

Vena Ln.

4th Av.

Parkway Dr.

Liberty Rd. Preston Av.

Lakeview Rd.

Airport Rd.

Newman Av.

Hillcrest Av.

Lakeridge Av.

Rutledge Dr.

Windmill Ln.

Dr.

. Dr

St.

d Win

177

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Memory Ln. Country Ln.

Airport Rd.

ore

Tobacco Rd.

te Sta

Av.

Preston Ln.

State Ln.

Lisa Ct. Lori Ct.

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Liberty

Cheyenne Av.

w illo

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Dr.

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Newman Av. Hillcrest Av. Brown Av.

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Ranch Av. Cherokee Av.

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Hartwood Av.

3rd Av.

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Stillwater Municipal Airport

Richmond Rd.

Britton Ct. B Dr. ritton Greenbriar Cr. Dr. Au d Ma ene D rieD r. r. Greenvale Ct. Ct. side rook

Golf Dr.

Falls Dr.

Brooke Stuart Homes 1. 302 S. Benjamin St. - 1-2 p.m... Sun

gate Dr .

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

Stonecrest Ct.

Hartford

Richmond Hill Rd.

Washington St. Garfield St.

Hunters Ridge

Stonecrest Ave.

Lynn Ln.

North

Benjamin

Husband Pl. Northgate Dr.

St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

nd Husba

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