VALUES December 2017 Owasso

DECEMBER 2017

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BY MELANIE HASTY-GRANT

I

always tell my clients to be aware of the two beasts that run the markets. Their names are FEAR and GREED. Well right now, the GREED MONSTER is back in full force. The greed monster is more sneaky and difficult to identify than its counterpart FEAR. A person that is fearful can typically identify that they are afraid. The typical response to fear is either “fight or flight.” Clients will tell me, “I’m afraid!

I want out!” Greed, on the other hand, is much more shrewd. I see competent, intelligent, and adept people being swept up by the skillful cunning of the greed monster. I believe that greed is a more clever and sly adversary because it plays on one’s ego, one’s self-pride, the part of one’s psyche that feels that it deserves more! It plays on the part of the mind that feels it’s smarter, and can play the market better than the next guy. The greed monster sounds very similar to the Monday morning quarter-back who wants to question every trade with the gift of hindsight.

Common statements that I hear from someone afflicted by the greed monster include: “The market is at all time highs. I should be too!” “I want 20%returns!” It is understandable that people naturally always want to beat the indexes. We do too. However, the market has taught us all over and over that what goes up… also comes down! If you have a good defense (i.e.: protecting you from the downside of the market), your offense does-n’t have to take as much risk because it’s not trying to make up for the 40% loss from the last time. What matters is the results year over year and the score at the end of the game. The market is at all time highs! Mark my words…what goes up, also comes down. The market does not move in only one direction! Folks have to remember that the stock mar-ket requires that you think in a counter-intuitive way. Most peo-ple feel better and safer in the market when it is high. When the market is low, folks feel worse and think the market is a bad place to be. Don’t get caught up in the euphoria of the market highs. Don’t allow yourself to get hoodwinked into chasing returns of what did better last month or last year. Be smart. Stay aware. The cure for both fear and greed is to have a solid strategy that you stick with through the market cycles. Getting squeamish midway

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OWASSO & COLLINSVILLE DECEMBER 2017

through a market cycle and changing your strategy is a sure way to achieve negative results. If you don’t really have a strategy or are working with someone that you are not sure has one either, give us a call. We can help.

MELANIE HASTY-GRANT

Waterstone Private Wealth Management offers personalized money management services for investors with portfolios of $500,000 or more. To schedule a FREE personal consultation, so you may fully understand the benefits that our private clients receive, please call us at 918.272.1120 or visit our website at www.waterstonewealth.com. 9500 N. 129th East Ave, Suite 106 Owasso, OK 74055.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Stock investing involves risk including loss of principal. No strategy assures success or protects against loss.

Securities offered through Cetera Advisor Networks LLC, Member FINRA/SIPC. Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Cetera Advisor Networks LLC is under separate ownership from any other named entity.

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IN THIS ISSUE A Castle Christmas 2017................................................... 16 Another Chapter Bookstore.........................................................31 Ask The Retirement Lady................................................... 2 BA Med Spa.................................................................................21 BMW of Tulsa...............................................................................17 Brad Lawson, MD., Central States Orthopedics............................25 COR619.......................................................................................35 Castle of Muskogee.....................................................................10 Christmas Shows that Celebrate the Spirit of the Season.... 22 Classic Chevrolet.........................................................................11 Dale Alimena...............................................................................31 Domino’s Pizza............................................................................10 Don’t Choose a Health Coverage Plan...Build It.................. 24 Drysdales.....................................................................................9 Dun-Rite Roofing.........................................................................4 Edible Arrangements...................................................................40 Energy Tech, Inc...........................................................................35 Fit For Her....................................................................................7 Flying Tee.....................................................................................23 Fresh Fruit Fanatics........................................................... 12 Generation Income Strategies.....................................................7 Goodwill......................................................................................31 H&R Block....................................................................................19 Happy Holiday Happenings.............................................. 36 Health Markets Insurance, Julie Lawson.....................................39 Honey Baked Ham.......................................................................33 Inola Portable Buildings & Pole Barns.........................................39 Inspire Med Spa & A New Image Cosmetic Laser Centers...........17 Jack Kissee Ford..........................................................................15 Jim Glover Chrysler Dodge Jeep Ram Fiat..................................13 Jim Glover on the River...............................................................40 Kwenchers...................................................................................31 Lifelong Learning Online Through ORU............................. 26 Making Sense of Dollars................................................... 8 Martial Arts Academy...................................................................10 Mother Nature’s Pest Control & Lawn Care..................................40 NuRoof, Inc..................................................................................25 OK40 Ranch.................................................................................34 Owasso Liquor & Wine.................................................................19 Owasso Nutrition Plus.................................................................19 PermaSeal...................................................................................33 Pioneer Financial Group..............................................................19 Primary Eye Care Associates.........................................................4 Pruitt’s Auto Collision..................................................................7 RCB Bank.....................................................................................23 Reynolds Funeral Service............................................................17 Route 66 Chevrolet......................................................................3, 33 Route 66 Chevy Customs............................................................23 Route 66 Nissan..........................................................................5 S & W Tree Specialists..................................................................18 South Point Honda......................................................................18 Survival Zone Storm Shelters.......................................................38 Survivor Shelters.........................................................................31 The 7th Annual 12 Days of Christmas................................ 20 Treat Your Trees................................................................. 14 Tristate Medical Supplies.............................................................25 US Health Advisors......................................................................4 United Ford Parts Distribution Center.........................................39 Upgrade Your Life............................................................. 32 www.jesusworldview.net.............................................................38 6

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OWASSO & COLLINSVILLE DECEMBER 2017

ORU Nursing Students Jonathon Castillo and Jamie Jeemon

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VALUES

DECEMBER 2017 For information, Call (918) 828-9600 VALUES is published monthly, 5800 E. Skelly Dr., Suite 708, Tulsa, OK 74135, 918-828-9600. Fax 918-828-9933.

VALUES, all rights reserved, cover-to-cover. Over 134,000 copies direct mailed to homes in Tulsa, Broken Arrow, Owasso, Collinsville, Claremore, Catoosa, Verdigris, Chelsea, Inola, Oologah, Bixby, Jenks, and Sapulpa.

VALUES strives to maintain a quality level of accuracy and truth in its printed information and advertising, however, when errors or m ­ isprints occur, the individual, photographers, w ­ riters, advertisers and other contributors retain the right to qualify the information contained in their material published in the VALUES. Views and claims made by them may not be construed

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Q&A

with Financial Advisor Linda Rainwater

I hear these terms at work, but I’m still not entirely sure of the difference between my pension and my 401(k).

– Retiring Richard Richard, I’m glad you’re asking this question before you retire! A pension plan is a retirement account sponsored and primarily funded by your employer. Pension plans vary in what factors they consider (such as salary, age, number of years you’ve worked at the company). Many pension plans will send a check every month when you reach a specified age. Most companies do not offer pension plans because the pressure is on the company to fund retirement for each employee.

Many pension plans are being replaced by 401(k) plans. A 401(k) is a retirement account that’s funded by you rather than your employer. You add money to this plan on a regular basis and some companies will also pay money into your 401(k) based on how much you contribute.

No matter which type of plan you qualify for, the next important question you should answer, Richard, is: At what age will you be able to retire with a comfortable income? Feel free to contact your trusted financial advisor for help with this important calculation.

Opinions expressed in the article are those of the author and are not necessarily those of Raymond James. Generation Income Strategies is not a registered broker/dealer and is independent of Raymond James Financial Services. Investment Advisory Services are offered through Raymond James Financial Services Advisors, Inc.

Linda Rainwater, AAMS ®, 14 years, Financial Advisor

12899 E 76th St N, Suite 106 Owasso, OK 74055 Linda.Rainwater@GenIncome.com

(918) 272-4456 • www.GenIncome.com

An Independent Firm Offering Securities through Raymond James Financial Services, Inc, Member FINRA/SIPC

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MAKING SENSE OF DOLLARS: Dale Alimena of Edward Jones Educates Clients at Every Stage of Life

BY AMY BETH DOBBINS

“I

’m a teacher at heart,” explains Dale Alimena, Financial Advisor with Edward Jones in Owasso, “I put the pieces together in a very simple-to-understand format.”

The ‘pieces’ are those that comprise a client’s financial plan.

Whether a young family is looking to grow or a couple finds themselves post-retirement, it is important to have and understand a financial plan in order to attain financial goals.

Throughout life’s transitions, according to Alimena, the plan is always changing. For instance, a young adult is often beginning to invest in a retirement fund or has a young family for which he wishes to provide, thus adequate life insurance or college savings

Dale Da le Alilime me ena of Ed Edwa w rd d Jon nes wan ants ts to h lp you rea he each ch your fina nanc ncia nc iall go ia goal als. al l

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must be considered. Later, a client begins to assess whether or not he can retire with sufficient savings. And, if so, where social security fits into the picture. Eventually, a client begins to examine his legacy, or what he will leave behind to his heirs in terms of estate planning.

With the ebb and flow of life transitions, a financial advisor serves as a consistent guide and resource, constantly keeping the plan on track to reach your desired destination.

“The first step is ensuring I understand what’s important to you”, said Alimena. “I work through our established process to build your personalized strategies and the specific actions needed to help you achieve your financial goals. Then, I continue to partner with you and your family over time, using strategies we’ve developed to help keep you on track to reach your goals.”

Alimena, alongside a team of experts from estate planning attorneys to accountants, does this via research and analysis; a professional understanding of market trends, investing rules and regulations; and continual investments monitoring. In short, Alimena works strategically behind the scenes to keep things on track, so clients may go about their daily routines worry-free.

To get started, an

OWASSO & COLLINSVILLE DECEMBER 2017

individual simply calls Alimena’s office to schedule an initial, nocost consultation. Prior to the appointment, a simple worksheet is completed so that Alimena may better understand the current financial landscape as it relates to his long-term goals. Further, Alimena emphasizes that clients are encouraged and well-served at any level of ability to invest in a financial plan. “Everyone has an estate,” explains Alimena, “…and every client is treated with the best service. ” Once an individual decides to proceed following the initial consultation, Alimena devises a financial plan and explains its complexities using simple terminology and graphics.

Taking data and complex concepts and making them understandable for his clients is Alimena’s strong suit. Thereafter, Alimena periodically meets with each client to review the plan.

“I really enjoy serving— helping people. I got into financial advisement because I wanted to stay with my clients in the long-term,” Alimena explains. Dale Alimena of Edward Jones in Owasso is ready to guide you through a successful financial journey as well, so give him a call today.

DALE J. ALIMENA, EDWARD JONES 8805 N. 145TH E. AVE, #106 | OWASSO, OK (918) 274-7044 WWW.FACEBOOK.COM/EJADVISORDALEALIMENA

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FRESH FRUIT

FANATICS TURN FRUIT INTO MASTERPIECES

BY TERESA BOND-MASON

A

n artist has many possible mediums with which to create. But, have you ever considered fruit as a part of that arsenal? At Edible Arrangements, they are not only artists, but fresh fruit fanatics!

With two locations in Tulsa and one in Owasso, General Manager Tom Staab has more than 10 artists who are ready to create a masterpiece for you. “Each employee receives special training to design the food bouquets as well as learn how to work with the perishable goodies,” says Tom. He adds, “It takes a lot of patience and an eye for detail to make each order just right.”

But the creation is only part of the story. “We take great pride in our customer service and we want to exceed all expectations. Because, not only do we want to make the person who places the order happy, but the recipient as well,” says Tom. He explains his staff demands

the highest levels of quality and representing the Edible Arrangement brand means the highest of standards are used each time a gift is made and sent out.

Birthdays and baby showers aren’t the only times to think of these fancy delicacies.

The bouquets and gifts are so unique, they’re the perfect present for a special thank you, a congratulations and even for those friends and coworkers when you can’t decide what to get them. They even make the perfect centerpiece at your next get together! “It’s a fun gift people are always happy to receive,” states Tom. And unlike flowers, Edible Arrangements are devoured long before a flower can even lose a petal.

Orders can be made online, but Tom is quick to point out that any order can be customized. His friendly staff will go out of their

Frrom m lef eft: t: Ma ad diisso on n Jo on ness, Brran a di d Nix x and d Canda anda ance nce Town To wnse end d, m ma an na agers gerss fro ge rom m Tu uls lsa a--ar area area ea Edibl dibl di b e Ar Arra r ng ra ngem em men nts t.

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OWASSO & COLLINSVILLE DECEMBER 2017

way to go the extra mile. They can even help you send a gift out of town! Give them a call to place your long-distance holiday orders today and they’ll help you send a gift they’ll really love.

Need a last minute gift? The Tulsa locations have ready-made fruit arrangements for those “oops, I forgot” moments, as well as chocolate-dipped fruit and fresh fruit salads. And, not to be left out, Owasso serves freshfruit smoothies.

They have the perfect thing to bring to your holiday office parties, amazing corporate gifts and, of course, delicious treats to bring home to your family.

Whatever your need or occasion, the talented fruit artisans at Edible Arrangements are ready to arrange a smile for you.

EDIBLE ARRANGEMENTS 7731 E 91ST ST. | TULSA 3311 S. PEORIA AVE. | TULSA 9025 N 121ST E AVE. | OWASSO WWW.EDIBLEARRANGEMENTS.COM

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BY DUANE BLANKENSHIP

I

f you’ve recently made the drive from Broken Arrow south on Hwy 51 towards Coweta, you may have noticed that S&W Tree Specialists are no longer at their longtime location. The company moved about a year ago to a new location providing them a lot more room for equipment.

S&W has been family owned and operated since 2011 and provides services throughout northeastern Oklahoma. Dayto-day operations are handled by Dale and Leilani Hughes, Robby Mizumura and Bryan Merseburgh.

The old saying goes that you can always find someone to do the job for less, but you’re wise doing business with someone who does the job right the first time, every time.

Company spokesperson Leilani says, “We always operate at the highest quality and safety standards and are known by most as the preferred treecare company in northeastern Oklahoma.” S&W provides tree care, plant healthcare, property maintenance, tree trimming, snow removal and other emergency storm services to businesses and homeowners.

After devastation from tornadoes, micro bursts and ice storms, most neighborhoods are inundated by “door knockers” with trucks and trailers looking for clean-up jobs. They might do the job for a little less, but Leilani cautions you to be certain that whoever you hire has the necessary skills to do the job properly. Ask questions, don’t pay

anyone in advance, and always ask for credentials including proof of insurance and the amount of coverage provided.

S&W also installs Christmas lights. You can buy commercial grade lights from them and they will do the installation, take down, and store the lights for you until next Christmas. They can install lights you already own, but you’ll probably be better off in the long run buying commercial grade products from S&W so that neither you nor they will have to mess with tangled light cords.

Check with S&W when you need tree services. If we get heavy snows this winter, call S&W for a free estimate for snow removal.

Schedule a meeting, get your questions answered and receive a free, no obligation estimate.

S&W TREE SPECIALISTS 36111 E 101ST STREET SOUTH | BROKEN ARROW, OK (918) 437-0056

S&W Tree Service family members Robby Mizumura and Dale Hughes with Dale and Leilani’s two daughters enjoy time at the shop after the day’s work is done.

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OWASSO & COLLINSVILLE DECEMBER 2017

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| 15

A Castle CHRISTMAS

BY SARAH GILE

C

Photos courtesy of Castle of Muskogee

HOLIDAY ACTIVITIES

elebrate the best of family holiday traditions at The Castle of Muskogee!

Take a leisurely drive through the Castleton Village, which is filled with thousands of holiday lights and displays. The drive through is free, and donations are gratefully accepted. Outside The Castle, guests may enjoy rides on an old fashioned hayride or the festive Castle Train, both of which provide visitors with a unique experience through the Castle displays.

“We’ll have the train running every night, even when the inside isn’t open, so you’ll always have something to do at the Castle,” said Matt Hiller, Owner of the Castle of Muskogee. “Three big holiday events are going on at the same time in Muskogee, but be sure to start off at the Castle because we’re ready to go at dusk.”

Also in the Village area, the little ones may ride the cutest holiday ponies in town! For a different vantage point, Eli’s Camels will be returning to provide rides to all ages around the Village area. Just want to hang out and snap photos? Grab a bag of Kettle Corn and enjoy the festive environment of the Castle gates before you head inside.

Once inside The Castle, guests may warm up and enjoy a variety of family holiday activities: Crafting ornaments in Santa’s workshop, Wax Hands and Make Your Own Candle, Stuff it Up – Plush Adoptions, Face

painting .. and so much more!

Shop local! Discover handmade creations for the special people on your holiday list. You can also purchase items from The Christmas Shoppe or the Castle Gift Shop for your own holiday displays or holiday keepsakes.

Join us in the Castle Cafe for a light supper or snack, hot chocolate and treats! Sit and enjoy complimentary holiday movies for the whole family. Visit the Castle’s website for a complete schedule of nightly activities.

In nearby Honor Heights Park, the “Garden of Lights” attracts thousands of visitors. The celebration includes a free drivethrough display of over a million shimmering lights exhibited throughout the park. Christmas lights are placed on trees, bushes and structures throughout the park to enhance the natural beauty of the gardens, waterfalls and ponds. Gates open at 6 p.m. nightly, and the event is free.

Drive through the lights at both locations - free admission, donations accepted. Both drivethrough events are open nightly from Thanksgiving through New Year’s Eve, 6 p.m. to 10 p.m.

THE CASTLE OF MUSKOGEE 3400 W FERN MTN RD | MUSKOGEE, OK (918) 687-3625 | WWW.OKCASTLE.COM

AT T H E C A S T L E

The Castle’s additional events are open Friday, Saturday and Sunday - November 24th through December 10th, and every night from December 15th through December 31st.

Please check the calendar at our website for a detailed schedule of each night’s activities.

CASTLE TRAIN – Enjoy the lights with a tour from the CASTLE CAFE - Treat yourself to soups, sandwiches, conductor himself! $5 per passenger. KIDS UNDER 1 are free. cookies, hot chocolate, and more.

Nightly - Nov 23- Dec 31st* CHALICE HALL - Enjoy watching holiday movies for the PONY RIDES – A holiday favorite! $5 per child. Fri, Sat, whole family or sit and warm up by the fire.

Sun* TRACTOR-DRAWN HAYRIDES - This ride starts in the CHRISTMAS MERCHANTS – Find unique and parking lot of The Castle and travels through the village on a different handcrafted items from a variety of craftspeople. route from the car drive-through. Departs every half hour. Cost is $5.00 GIFT SHOPS – A wide assortment of holiday merchandise, inflatables and much more. per person, children 12 and under are free. Fri, Sat, Sun*

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Contact Cassie today because preplanning is the most important thing you can do for your family.

Cassie Parsons has been a part of the Collinsville community for over 35 years.

She attends First Baptist Church of Collinsville and sings in the choir. Cassie is training her dog Tucker to be a comfort dog. We are happy to welcome both Cassie and Tucker into the Reynolds Funeral Service family! Cassie will be handling Pre-Planning and family services. She said, “It is an honor to serve and share this very vulnerable and personal time with the families”.

– Cassie Parsons

1501 W. Main St., Collinsville, OK 74021• (918) 371-1178 1916 S. Sheridan Rd., Tulsa, OK 74115 • (918) 838-1332 WWW.REYNOLDSFUNERALHOMES.COM

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THE E 7TH ANNUAL

BY WHI HITL T EY MUM TL UMM M

T

he Holiday season is back upon us, bringing the chaos of shopping, planning, and preparing with it. From wrapping presents to holiday parties, our appearances are usually the last thing on the list. Just in time for Christmas, BA Med Spa is once again giving the gift of beauty by offering their most popular procedures during their Seventh Annual Twelve Days of Christmas event.

At BA Med Spa, they understand that it can be difficult to come in and talk about the things you want to change about yourself, and they’ve worked very hard to help patients feel at ease. The friendly staff, cozy atmosphere and procedure demonstrations are all part of their unique experience.

There’s never been a better time to come in to discuss which treatments are right for you.

“In winter, most of us tend to neglect our skin and personal health. It’s the best time of year to take control of your body and boost your confidence,” said manager Melody Hawkins.

This year, BA Med Spa is adding something new to their Twelve Days of Christmas line up– NovaThreads. These are synthetic absorbable sutures made of polydioxnone (PDO), one of the safest materials to be implanted in the body. They can be injected nearly anywhere, but are especially effective in the neck and jawline. Your skin fully absorbs the PDO within four to six months, and you’re left without any scar tissue. NovaThreads are designed to support the existing V-shape of the face, or lift and reposition tissue to recreate it.

The spa has also made their most popular facial fi llers, Juvéderm and Radiesse, more affordable to more people this holiday season. Juvéderm is the world’s number one selling 20 |

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“It’s our desire that everyone who walks into BA Med Spa leaves feeling better about themselves than when they came in.” dermal fi ller. It provides instant results, that are naturallooking and long-lasting – from 1-2 years. Juvéderm can be used for fi ne lines, cheeks, vertical lip lines, and lips.

Similarly, Radiesse is designed to get rid of facial folds and lines, and works especially well around the nose and mouth.

Radiesse stimulates the body’s natural collagen production, provides immediate lift, and typically lasts a year or more.

Also included in the Twelve Days of Christmas: Botox injections, buy two get one free CoolSculpting cycles, Bellafill, Voluma, full face and neck Ultherapy, HCG, laser hair removal, permanent makeup, and B-Complex injections.

Whatever you want to achieve this holiday season, BA Med Spa can help get you there. Never been to a medical spa? You can set up a complimentary skin care consultation any time. There, you can address your concerns with the BA Med Spa team, and they will create a personalized treatment plan catered to your physical and financial needs.

This holiday season; find a moment in the hustle and bustle of taking care of others to take care of yourself. Call BA Med Spa for a consultation today.

BA MEDICAL SPA & WEIGHTLOSS CENTER 500 S ELM PL | BROKEN ARROW, OK | (918) 872-9999 WWW.BAWEIGHTSPA.COM

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CHRISTMAS SHOWS

CELEBRATING THE SPIRIT OF THE SEASON

I

BY KRISTI ROE-OWEN

t’s the most wonderful time of the year, and the most wonderful holiday bucket list would not be complete without a chorus of carolers in a sanctuary filled with lush holiday greens and the golden glow of holiday lights. If you’re looking for a some soul-filling Christmas love, several churches in Tulsa offer performances to set your heart soaring this season.

Tulsa Founders Chorus is an “all-American barbershop harmony style” chorus performing in four-part harmony. They will be performing Merry Christmas, Hallelujah at John Knox Presbyterian on December 3 at 1 p.m. Sound Decision will be guest starring at this limited seating event, and Christmas dinner will be prepared by Chef Don Conner. For reservations, contact founderschorus@cox.net.

If you are dying to hark how the sweet silver bells all seem to say throw cares away, also on December 3 at 4 p.m. is the First United Methodist Church handbell choir performance.

This performance by the Susannah Wesley Handbell Choir is an annual event offering selections from traditional church hymns, contemporary worship arrangements, and Christmas favorites. The concert is an ethereal and beautiful holiday tradition to enjoy.

Boston Avenue United

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Methodist will be hosting its 22nd annual Natalie O. Warren presentation of George Frideric Handel’s Messiah on Sunday, December 17 at 5 p.m. The 18thcentury oratorio will be performed by the Chancel Choir, Soloists, and Members of the Tulsa Symphony Orchestra. The operatic piece, written as a meditative reflection on Jesus Christ, captures the more sacred side of the holiday season.

This inspiring event will take place in the church’s beautiful sanctuary.

Also on December 17 at 11 a.m., Bixby’s Woodlake Church is hosting an exciting Christmas performance in the Union High School Performing Arts Center. The production is set up like a talent show where amazing, talented performers will wow you as they compete to win. Photos with Santa and hot cocoa before and after the show will be available. For nurseryaged children, childcare will be provided. This general admission

OWASSO & COLLINSVILLE DECEMBER 2017

event is free and open to the public, no reservation required.

For a beautiful contemporary Christian holiday performance, check out Church on the Move’s big event Christmas on the Move. This event will be offered at 12 separate times at three different locations, so be sure to visit their website, www. churchonthemove.com, to find the right performance for you. This church calls this event “a warm and meaningful event for the whole family.” No tickets are required for this event, but it is recommended that you arrive at least 30 minutes before the scheduled performance.

The later Saturday performances will also be available online at COTMLive.com.

Most local churches also offer Christmas Eve services which include beautiful performances, so there’s no better time to visit your local ministry.

Be sure to check online for the latest details and updates about each show.

Photo cou Pho co rte tesyy of Fir First st Uni United ted Me Metho tho hodis dist Chur urch h This year Th yea ar,, the the h Fir First st Uni U ted Me M tho thodis d t Chur di dis Church ch han ch handbe dbellll choir cho hoir i p pe per e for o man mance ce wil wi l be Decembe ece embe b r 3 at a 4 p.m p .

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B

ecky Brown is a Field Sales Leader for USHEALTH Advisors. She offices in Tulsa and specializes in innovative life and health coverage solutions for selfemployed individuals, families, small business owners and their employees. “The health coverage plans we offer are quite unique. Instead of presenting our clients with a selection of hard and fast plans and asking them to select the one which best fits their needs,” says Becky, “we ask our customers to tell us what they feel they need. We then make recommendations and write a plan which addresses their concerns.

“Many customers begin with plan basics and add to it as their lives change over the years. Our plan designs are flexible to help you get the coverage you need, when you need it…and at a premium you can afford.” As you grow older or conditions change,

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Becky and her expert team of advisors underwrite healthcare coverage through company subsidiaries, Freedom Life Insurance Company of America and National Foundation Life Insurance Company.

“Our mission is the acronym H.O.P.E., Helping Other People Everyday,” she said.

Consultations are free and may be conducted by phone or in person.

Most businesses and individuals today are concerned by increasing healthcare costs. Becky’s confidence is in knowing that her organization Becky Bro Bec Brown wn n iss the h fi field eld d sa ales ess le eader for USHEALTH is different and that Ad Adv dviso issso ors. r Sh rs rs. he look ookss forw forw o ard d to consulting with you to tailo tai lor lo or yo your ur per person sso onal a hea hea ealth lth th co th cove verage plan. her team is innovative,

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experienced, dependable, dedicated and convenient to residents in the greater Tulsa area.

When you call for information, you’ll be talking person-to-person rather than to a machine. “My goal,” continued Becky, “is to make your plan better than what you’ve previously had. And if I can’t provide you with a better plan, I’ll tell you to stay where you are, give you advice or steer you to someone who I feel can help with the specific needs you’ve outlined.

“Please don’t let others tell you what you need. Tell me what you’re looking for and what will work for you. I’ll listen and write your policy to fill that need. As your needs grow, we can add to your original plan.” Call today to arrange for your personal consultation. *These optional plans are also underwritten

by Freedom Life Insurance Company of America. Exclusions and limitations apply. Not available in all states.

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ORU Nursing Student Jamie Jeemon

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By Duane Blankenship

E

veryone is aware of the rapid rate in which the world is changing, but all may not be cognizant of how the changes are affecting higher education. Dr. Jay Gary is Assistant Dean of Online and Lifelong Learning at Oral Roberts University.

He is responsible for online adjunct faculty and online degree program development.

When speaking with Dr. Gary, he provided an eye-opening view about the 6,000,000+ students now enrolled in higher education distance courses through U.S. degreegranting higher education institutions that provide online degree opportunities. Dr. Gary says, “We live in a time of accelerating change and there is no better place to be than ORU. Our faculty perpetually commits to the Whole Person Education, which means discovering your true purpose and carrying it out to the uttermost bounds. To be effective, you need excellent preparation—spiritually, intellectually, physically and socially— preparing to change the world for the better.”

The Distance Education Enrollment Report 2017 from Digital Learning Compass took a detailed look at the trends and patterns of distance education enrollments among U.S. Degree-granting higher education institutions. In the study, which can be found online at www.digitallearningcompass.org, it was reported that 30% of all students in

higher education are now taking at least one distance course. Distance learners are split almost evenly between students who are exclusively “distance” and those who take some courses in person. The majority of “exclusively-distance” students live in the same state as their institution, but a surprising 42% are studying at outof-state institutions. Graduate students are twice as likely to take all courses at a distance and more than one-third of graduate students study at least in part via distance vs. 29% for undergraduates.

Why are students taking so many of their studies online? When you think about it, it makes perfect sense. The average student age is 30-49. The average student is spending 80% of his or her time online and by taking online courses there is no commute, there is more time available to spend with family or friends, and online studies are both accessible and affordable.

Learning is increasing in quality and in quantity and most students see the competitive advantages in our digitally transformed world. Students work on their own time and at their own pace, and find that online studies help them become self-directed and able to contribute with others through technology and web conferencing. It’s a fact that correspondence study is now ancient.

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THEOLOGY

Dr. Samuel Thorpe, Interim Dean, College of Theology and Ministry, came to ORU in 1977 for his graduate degree in theology. “I knew my calling from the Lord was teaching, so I earned my academic teaching degree.” He has worked at ORU since 1979 and fulfilled his calling when he began teaching in the Theology Department. He has been the Department of Theology Chairman since 2015.

ORU offers an online BA Degree in Ministry & Leadership. It is a solid, ministry/theologyrelated degree that will help you grow as you work in a church or ministry context. Those currently serving in pastoral ministry, but needing academic credentials, may find ORU’s Ministry & Leadership program to be a solid choice upon which to build. This major presents a broad spectrum of areas that help grow Biblical understanding, knowledge of theological, cultural

and historical studies, and practical ministry skills that include Christian caregiving and ministerial leadership. It is an excellent bachelor’s-level foundation for those wanting to pursue graduate school studies in divinity, Biblical literature or theological/historical studies.

ORU Theology Student Your online degree in Theology enables you to Ben Santiago apply what you are learning directly to your church or ministry content while you are learning. You’ll be able to study year-round My time at ORU has been fruitful and joyful. Going to to finish your degree faster ORU has always been a dream and the online option was a and the affordable online tremendous blessing. Oral Roberts University will always be tuition enables you to stretch home to me (and) I am grateful for the deposit God made in financing further. Earn your me through the university!

Seth Whitaker degree from ORU with its Christian Counseling and Caregiving distinct Spirit-empowered focus.

ORU Nursing Students Christiana Strysko and Jamie Jeemon

NURSING

Dr. Kenda Jezek, Professor and Dean of the College of Nursing, attended Oklahoma Baptist University and has been a professor at ORU since 1985. “I am truly blessed,” says Dr. Jezek, “to be doing a job I love so dearly.” As Dean of the Nursing Program, she praises the compatibility of her team. “We all feel called to be here and have built life-lasting bonds with each other.”

If you are a registered nurse planning to earn your BSN online, check out ORU’s RN-to-BSN degree program. It’s for those who either now have an associate degree in nursing (ADN) from an accredited program or currently hold an RN license. An online bachelor’s degree in Nursing from ORU requires 60 credit hours and can be attained in as little as 18 months.

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Add nursing leadership, health informatics and community health to what you already know through ORU’s BSN degree which requires another 60 credit hours.

An online degree in Nursing prepares students for careers in hospitals, convalescent centers, clinics, home care and physicians’ offices. The program focuses on knowledge, techniques and procedures for promoting health, providing care for the sick, disabled, infirmed or other individuals or groups.

Online courses include: administration of medication and treatments, assisting physician during treatments and examinations, referring patients to physicians and other healthcare specialists, and planning education for health maintenance.

OWASSO & COLLINSVILLE DECEMBER 2017

BUSINESS

If you’re looking for Dr. Marshal Wright (Chair of the Graduate School of Business) outside of class, you may find him on the basketball or tennis court.

He frequently gathers in the gym with friends for a pick-up basketball game. He was also part of the ORU tennis team that ranked tenth in the nation years ago and tennis is still his passion.

“Our online Master of Business Administration in Leadership (Online MBA-L) provides a course of study emphasizing the two critical components of outstanding business leadership—technical business knowledge and expertise across all of the core components of a highly-valued and traditional MBA degree and effective leadership training, comprehensively integrated into one program,” stated Dr. Wright. “Being a great business leader is about both the technical side of business—gaining and applying knowledge and expertise across the fully integrated range of business concepts and disciplines; and, it is about great leadership—creating and casting a strategic vision and inspiring and empowering

others to the fulfillment of higher and better performance and outcomes, both professionally and personally. The MBA-L program has been designed to deliver both of these areas of emphasis through a fully online cohort program.”

Although fully online, the MBA-L degree is strongly interactive and relationship oriented designed to help students with retention and graduation. It is a fulltime course, defined as six credit hours for three sessions a year. The study is adult-learner oriented, manageable in light of life’s responsibilities, qualifies for financial aid and can be finished in two years. It emphasizes integrated business and leadership, the ORU whole person distinctive, and is very doable with regard to time and expense. Acceptance requirements include a Bachelor’s Degree with a minimum GPA of 3.0, plus other applicable requirements. Contact Dr. Marshal Wright, mwright@oru.edu, or call (918) 495-6988 for more information.

ORU Business Student Wesley Ahrens

EDUCATION

Dr. Kim Boyd is Dean of the College of Education and an Associate Professor. The lively and familial interaction occurring around Dr. Boyd’s desk is said to parallel her character and passions in life. She came to ORU from Pennsylvania, found her perfect match and best friend, got married and has been in Tulsa ever since.

According to the National Center for Educational Statistics, America’s schools will need at least two million additional teachers in the next ten years.

As a student in ORU’s online Master’s of Education in Curriculum and Instruction program or their Master’s Degree in School Administration program, In the midst of life’s competing demands, on line classes have suited me well while making the attainment of my degree possible and rewarding! Engaging on line discussions with fellow students and professors helps me feel connected and challenges me to develop my thinking as a Christian professional.

Trevor Ellis Candidate, Master of Education-Public Administration

you will graduate prepared to help meet this challenge. The program is committed to helping you become not only an exceptional teacher, but also a professional with a highly developed Christian worldview.

“Our Education degree holders get job placements,” says Dr. Boyd, “and eagerly accept hands-on opportunities where they can utilize the knowledge they have gained to implement practical teaching solutions in the classroom and at specialized schools. They are equipped for oneon-one mentoring with students and educators.

We are sending forth transformed educators ready to make a difference.”

The ORU education program has earned the highest level of the National Council for Accreditation of Teacher Education (NCATE) and is held in high regard. “It is no surprise that nearly 100 percent of our graduates find employment in public, private or Christian schools immediately after graduation,” adds Dr. Boyd.

ORU Education Student Janet George

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ORU offers students their signature Whole Person Education with the convenience of online learning that culminates with a fully accredited online degree. “Our family of instructors is motivated to teach students important career skills while also benefiting the spirit, mind and body,” said Dr. Kim Nugent, Associate Vice President of Online & Lifelong Learning. Earning your degree at ORU can make a difference in your life. If you are self-motivated and passionate to make a difference, visit www. oru.edu/online today for express registration and more information to start your online degree.

ORAL ROBERTS UNIVERSITY 7777 SOUTH LEWIS AVENUE | TULSA, OK (918) 495-6161 | WWW.ORU.EDU/ONLINE

ORU Online Awards

• Best Online Bachelor’s Business Degree • Ranked in top 50 programs in the country • • Best Online Colleges/Ranked 3rd Best in Oklahoma • Best Online Colleges/Ranked in 100 Best Online Colleges • • Best Online Theology Degrees/Recognized as #17 • Best Online Communications Degrees/Recognized as #20 • • Best Online Political Science Degrees/Recognized as #12 • Best Online Christian Counseling Degrees/Recognized as #2 • • Best Military-Friendly Online Colleges/Recognized as One of the Best • Best Online Christian Colleges/Ranked as one of the Best • • Top Colleges in Oklahoma/Ranked 6th • Best Online Bachelor’s in Counseling/Ranked 8th •

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UPGRADE YOUR LIFE

By Jocelyn Wood, RCB Bank

Tips to get ahead financially I challenge you not to accept your financial life as it is. This coming year, aim to get ahead — start an emergency fund, build your retirement savings, pay off your debt or take control of whatever money situation is causing you stress.

The key to getting ahead is to get started. Here are some tips to help you make a financial change.

Invest in you

To build your wealth, start paying yourself first.

When you receive money, before you spend a penny, put some of it in your savings account or retirement fund. Set up automatic deposits and watch your savings grow with little effort.

Changing your saving habits may require changing your spending habits, but the payoff – not worrying about paying your bills, taking a trip you’ve been dreaming of and retiring on your terms – is worth it.

Stop throwing money away

Paying late fees is like pulling money out of your wallet and throwing it into the wind.

Start paying down debt, beginning with the highest interest debt. Pay your bills on time. If need be, call the company and see if you can adjust your due date. Never hurts to ask, and it could save you from paying late fees.

Try the 50/30/20 Budget Plan

Harvard bankruptcy expert Elizabeth Warren suggests splitting your monthly income into three categories: • Fixed expenses – survival needs – should total no more than 50 percent of your income.

• Non-essentials – wants like TV, morning coffee, hair appointments – should total no more than 30 percent.

• Savings – emergency fund, retirement – should be 20 percent or more.

Match your spending

Have a hard time sticking to a budget? Try this.

Before you spend money on something you want, first put the same amount of money in a savings jar.

You will be able to see exactly how much money you are spending, or how much you could be saving or using to pay off your debt. If you cannot afford to match your spending, you cannot afford whatever it is you want to purchase.

Live within your means

Rich people stay rich by living like they are broke. It is a matter of what you value more, instant gratification or freedom from debt and having money when you really need it.

Get more money-saving

tips at

RCBbank.com/GetFit

50/30/20 Plan: Elizabeth Warren and Amelia Warren Tyagi. All Your Worth: The Ultimate Lifetime Money Plan.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only.

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OK40 Ranch is the ONLY wedding venue to offer a FREE SET UP the day before your wedding. Owner Debbie Hunter also offers her 30 plus years professional event planning services before and the day of your wedding. Our beautiful horse and carriage are included in every wedding package!

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ARTS & ENTERTAINMENT

HEADLINE Holiday HAPPENINGS HAPPY

BY KRISTI ROE-OWEN

BY AUTHOR

DECEMBER 6 BROWN BAG IT: TULSA FESTIVAL RINGERS Tulsa 12/6 at 11:30 a.m. and 12:45 p.m.

Located at John H. Williams Theatre

DECEMBER 7 CHRISTMAS OPEN HOUSE

Owasso 12/7 from 5 to 8:30 p.m.

Enjoy tea with Santa Claus and Mrs. Claus at Memory Lane Tea Room.

FESTIVAL OF LIGHTS CHRISTMAS PARADE

Okmulgee 12/7 Get into the holiday spirit at Okmulgee’s annual Festival of Lights Parade, one of the state’s oldest nighttime parades with more than a million lights.

The parade will travel east on 6th Street, so get there early and secure a spot along the sidelines.

Watch as area businesses and organizations compete to win Best Float in a selected theme.

DECEMBER 8 “THE REGIFTERS”

Broken Arrow 12/8-12/17. Friday and Saturday at 7:30 p.m. and Sunday at 2 p.m.

The Broken Arrow Community Playhouse presents “The Regifters.” When a couple re-gifts a not-sogreat Christmas present, then finds out it’s worth a fortune, they will stop at nothing to get it back. But they’re not the only ones who rewrapped it.

LIVING NATIVITY PECAN AND BLACK WALNUT FESTIVAL

Claremore 12/7-12/9 and 12/14-16 from 10 a.m. to 8 p.m.

Open the door, and step back in time to the first Holy Christmas. Live character portrayals, live animals, farm fresh pecans, cracking and nutty treats. Located at Sheperd’s Cross.

A CHRISTMAS CAROL

Tulsa Dec. 8-9, 13-16, 19-23 at 7:30 p.m.; Dec. 10, 17 at 2 p.m.

Enjoy this Dickens classic at John H. Williams Center in Tulsa. Tickets are available online.

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HOLIDAY MARKET

Tulsa 12/8-10 Fri and Sat. 9 a.m. - 6 p.m.; Sunday 11 a.m. to 5 p.m.

Junior League of Tulsa’s annual holiday shopping experience at the UMAC at 68th and Mingo.

3-day pass is $5, with teachers and military free on Sunday.

CRAYONS CHRISTMAS SHOW Tulsa 12/8-12/9 at 7 p.m.

Family friendly comedy show at Woodlake Youth Center.

DECEMBER 9 JINGLE BELL RUN

Tulsa 12/9 at 7:30 a.m.

The Arthritis Foundation’s original Jingle Bell Run is a fun way to get decked out and be festive while racing to raise funds and awareness to cure America’s #1 cause of disability.

CHRISTMAS IN KENDALL WHITTIER

Tulsa 12/9 from 11 a.m. to 6 p.m.

Holiday pop-up shops in historic Whittier Square

COLLINSVILLE HOMETOWN CHRISTMAS VARIETY SHOW

Collinsville 12/9 at 11 a.m.

See more than 80 performers in a 2-hour vintage Branson-style Christmas Variety Show.

COLLINSVILLE CHRISTMAS PARADE Collinsville 12/9 at 11 a.m.

TULSA EAGLES TOY DRIVE

2017 TULSA CHRISTMAS PARADE

Tulsa 12/9 at 2 p.m.

This year’s theme is “A Storybook Christmas.”

TOMMY EMMANUEL GPC: CLASSICS & CHRISTMAS TOUR

Tulsa 12/9 at 7:30 PM Located at COX Business Center. Tickets available online.

THE NUTCRACKER

Tulsa 12/9, 15-16, 22 at 7 p.m.; 12/10, 16-17, 23 at 2 p.m.

Celebrate with this ballet classic at Chapman Music Hall. Order tickets online.

WEST BEND WINTERLAND

Claremore 12/9-12/31 Located at West Bend Green outside of Claremore Expo Center, Winterland has all the makings of an old-fashioned Christmas. Event is free. $5 for adults to ice skate, 10 and under skate free.

CLAREMORE’S “OLD FASHIONED CHRISTMAS” PARADE

Claremore 12/9 5:30 p.m.

Begins at Claremore Expo Center and snakes down Will Rogers BLVD with more than 200 entries, plenty of decorated floats, and an appearance form Santa.

OWASSO CHRISTMAS PARADE

Tulsa 12/9 at 9 p.m.

Located at Tulsa Eagle in Tulsa.

Owasso 12/9 at 9 a.m.

Begins at Smith Farm Marketplace. This year’s theme is “The Polar Express.”

OKEQ HOLIDAY SHOPPING MARKET

BREAKFAST WITH SANTA & CHRISTMAS PARADE

Tulsa 12/9 at noon Part of the proceeds from this shopping event goes to benefit the Dennis R. Neill Equality Center.

OWASSO & COLLINSVILLE DECEMBER 2017

Catoosa 12/9 at 8 a.m. to 11 a.m., Parade starts at 2 p.m.

Enjoy breakfast with the jolly old elf himself at Catoosa Public Library. Parade starts at Catoosa High School.

T

he holidays are finally here! To celebrate, we want to share this list of the most cheerful happenings around town so you can find the perfect events for your family to enjoy. Get ready for beautiful lights, hot cocoa and crafts of all kinds. There’s something for everyone to enjoy, so don’t forget your coat and head out to as many of these great events as you can.

DECEMBER 10 BREAKFAST WITH SANTA

Tulsa 12/10 9-10:30 a.m.; 11-12:30 p.m.

Breakfast with Santa brings a taste of the North Pole to Tulsa. With a delicious breakfast, visits with Santa and family photo options with Santa, a great family event.

MURRELL HOME CHRISTMAS OPEN HOUSE Park Hill 12/10 1 p.m. to 7 p.m.

Visitors are invited to tour the 1845 George M. Murrell mansion and learn about Christmas customs from the mid-Victorian period.

CHRISTMAS WITH THE ANNIE MOSES BAND

Broken Arrow 12/10 at 7:30 p.m.

Experience the acclaimed classical crossover ensemble performing arrangments of holiday favorites at the Broken Arrow PAC.

HANDEL’S MESSIAH

Tulsa 12/10 at 3 p.m.

A rare performance of Handel’s Messiah done at baroque pitch with a baroque orchestra, $20 donation. Saint John’s Episcopal Church.

DECEMBER 11 PICTURES WITH SANTA

Bixby 12/11 from 1 p.m. to 5 p.m.

Free Photo with Santa Claus. Children will receive a goody bag from Santa. Self Storage Depot 13455 S Memorial Drive Bixby, OK 74063

DECEMBER 14 OLD-FASHIONED COUNTRY CHRISTMAS Perkins 12/14 from 5:30-10 p.m.

This annual event features dinner, a live nativity, entertainment, crafts for the kids, vendors, live music, the lighting of the community Christmas Tree, and of course, pictures with Santa! Free.

CHRISTMAS AT THE COLEMAN FEATURING SHOJI TABUCHI Miami 12/14 at 7 p.m.

Shoji will perform his holiday show “The Wonders of Christmas.”

DECEMBER 15 YPB CHRISTMAS CRAWL

Tulsa 12/15 at 6 p.m.

ALL proceeds go to charity. The crawl will start at Hilton Garden Inn at 7:00 PM! Dress up and bring lots of cash because there are awards for costumes and raffles for great prizes.

“NATIONAL LAMPOON’S CHRISTMAS VACATION” AT THE COLEMAN

Miami 12/15 at 7 p.m.

The Coleman presents the contemporary holiday movie classic. Come dressed as Cousin Eddie and get a free box of popcorn. Best costume of the night gets two free tickets to an upcoming event.

A BIG BAND CHRISTMAS

Miami 12/16 at 7 p.m.

Tickets are $15 for adults, $10 for seniors and $5 for students and children. Presented by Tulsa Praise Orchestra and Choir featuring vocalist Ernestine Dillard.

DECEMBER 17 “IT’S A WONDERFUL LIFE” AT THE COLEMAN

Miami 12/17 at 2:30 p.m.

Enjoy the cinema classic. Tickets are $10 for adults and $5 for students and children.

DECEMBER 18 “THE SNOWY DAY”

Tulsa 12/18 at 6 p.m.

Enjoy the children’s classic at Park Plaza Brookside at this Talking is Teaching event.

DECEMBER 21

DECEMBER 16

SHERIDAN ROAD CHRISTMAS CABARET

CHRISTMAS WITH BRIAN NAIRA AND FRIENDS FROM THE VOICE

DECEMBER 22

Tulsa 12/16 at 7 pm Located at VanTrease PAC. Tickets available online.

PIZZA WITH SANTA

Broken Arrow 12/16 $1 per ticket per person. Children under 2 are FREE! Tickets can be purchased at either Broken Arrow Community Center. Don’t miss out on some great pizza and building a memorable craft to hang on the tree. Located at Nienhuis enhuis Park Community Center.

Tulsa 12/21-22 at 7:30 p.m.

Located at Kathleen Westby Pavilion

WAGS, WHINE, AND HOLIDAY TRIVIA Tulsa 12/22 from 4 p.m. to 7 p.m.

Play trivia with pups at Wagology Shop

Be sure to check online for the latest details and updates about each event!

DECEMBER 2017 OWASSO & COLLINSVILLE

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