VALUES July 2019 Owasso

OWASSO & COLLINSVILLE | VALUES NEWS MAGAZINE | WWW.VALUENEWS.COM | JULY 2019

Fire-Up YOUR GRILL See page 36

Affordable

health coverage options See page 6

Outdoor Living SOLUTIONS See page 12

INSIDE:

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AIR CONDITIONER SERVICE SPECIAL

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IN THIS ISSUE ‘Tis the Season to Feel Lovely!.........................................................20 Annual Ice Cream Festival Scoops Up The Fun In Broken Arrow.........26 BA Med Spa & Weight Loss Center............................................................. 11 Bindas Mechanical Solutions..................................................................... 17 Blue Bell’s Taste of Summer....................................................................... 16 BMW of Tulsa................................................................................................ 4 Century Title of Oklahoma, LC..................................................................... 32 Classic Chevrolet........................................................................................ 15 Crusader Tactical......................................................................................... 10 District on Main, The................................................................................... 16 DLSS........................................................................................................... 18 Domino’s Pizza........................................................................................... 17 Dun-Rite Roofing........................................................................................ 25 El Maguey Mexican Restaurant.................................................................. 32 Four Seasons Sunrooms & Windows.......................................................... 28 GNC, Draper Family GNC............................................................................ 33 Health Coverage Options Based Specifically On Your Needs...............6 Inola Portable Buildings & Pole Barns........................................................ 29 Jack Kissee Ford........................................................................................5,9 Jersey Mike’s Sub.......................................................................................40 Kwenchers.................................................................................................. 25 Luxury Rooms Indoors and Outdoors...............................................12 Martial Arts Academy.................................................................................... 4 Military History Trivia Night Challenge!.............................................8 Mother Nature’s Pest Control & Lawn Care................................................. 40 Oneta Station Diner.................................................................................... 18 Owasso Auto Care....................................................................................... 25 PermaSeal USA..................................................................................... 35,40 Plum Wild Boutique................................................................................... 22 Premium Cabinets...................................................................................... 14 Pruitt’s Auto Collision................................................................................. 18 Q&A: Accepting Gift Funds..............................................................34 RCB Bank.................................................................................................... 10 Route 66 Chevrolet....................................................................................... 3 Route 66 Nissan of Tulsa.............................................................................. 2 Senior Safety and Lifestyle Fair........................................................30 South Pointe Chevrolet............................................................................... 19 Summer Grilling….It’s Not Just Burgers and Hotdogs.....................36 Tread Connection........................................................................................ 23 United Ford Parts Distribution Center........................................................ 22 USHEALTH Advisors.................................................................................... 24 Wastewater Solutions of Oklahoma........................................................... 22

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@valuenews |  @valuenews |  @valuenews  @valuenewsvalues | * VALUES News Magazine VALUES News Magazine is published monthly

by Values, Inc., P.O. Box 35525, Tulsa, OK 74153, 918-828-9600. © VALUES News Magazine, all rights reserved coverto-cover and including all digital platforms. Primary cities served are: Tulsa, Broken Arrow, Owasso, Collinsville, Claremore, Catoosa, Verdigris, Chelsea, Inola, Oologah, Bixby, Jenks, and Sapulpa.

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other contributors retain the right to qualify the information contained in their material published in the VALUES News Magazine and ValueNews. com. Views and claims made by them may not be construed representative philosophy or policies of this ­publication.

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Health Coverage

based spe

BY MARY BRANSFORD

W

hen it comes to health coverage, the USHEALTH Advisors family of companies understands that every customer has different needs. They believe in choice, and their customers truly value the array of options they provide because you can choose the protection that is most appropriate for you. To that end, they have developed a broad portfolio of coverages that promote customer choice. Their innovative product designs make the USHEALTH Advisors uniquely qualified to address each customer’s need for flexibility and reliability in their coverage selections.

For those of you who are either on a limited budget or are concerned about having to satisfy a high annual deductible before you receive any benefits from your health coverage plan, the company offers a portfolio of products which provide first dollar benefits for covered services and substantial network discounts across a broad spectrum of providers. These plans are typically more affordable than more comprehensive plans, while still providing the first dollar

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protection and assurances that a limited protection plan offers.

Becky Brown is a Field Sales Leader for USHEALTH Advisors.

She is licensed in 12 different states and 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, USHEALTH Advisors will assist you in choosing optional supplemental coverage to enhance your overall protection in areas including, for example,

OWASSO & COLLINSVILLE JULY 2019 WWW.VALUENEWS.COM

Health & Wellness*, Critical Illness*, Accident*, Dental*, Accident Disability Income*, Life Insurance*, Specified Disease/ Sickness*, Short Term Accident Disability Income*, Income Protector*, and Vision Insurance*.

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 is different and that her team is innovative, 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

e Options

ecifically on your needs 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 whom 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. In a marketplace characterized by high customer turnover and low customer loyalty, USHEALTH Advisors differentiate themselves by creating longterm relationships with their customers, making a trusted ally that consistently delivers on its promise of dependability.

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Becky Brown is the field sales leader for USHEALTH Advisors. She looks forward to consulting with you to tailor your personal health coverage plan.

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Military History Trivia Night Challenge!

BY MACY GOODNIGHT

O

n any given day at the Broken Arrow Military History Center, during operating hours, there will invariably be one or more veterans hanging out in the lobby, even from WWII, visiting with each other and telling some of the most amazing stories most people have probably ever heard.

To share this camaraderie with the community, and also raise funds for the museum and its programs, the Center will host their fourth annual Military History Trivia Night, at Battle Creek Event Center July 19, with food at 5 p.m. and trivia at 6 p.m. This event is not only educational but unbelievably inspiring.

Sponsorships for tables are available for $200, and individual tickets are only $25.

Guests can purchase tickets in advance at the Military History Center, located at 112 N. Main St. in Broken Arrow. Table sponsorships are invaluable, as noted by the museum’s president of the board, Tom Mancino, BG U.S. Army (RET).

“If we get enough people to sponsor tables, then it’s possible we can let some veterans play for free,” said Tom. The event will provide a challenging night of military and history trivia, with food, door prizes and best of all, fellowship.

There will be prizes for winners, but Tom says, “It’s not much; winners will

receive a small trophy.” Many competitors believe the most important takeaway from Above: Military History Center President of the Board, Tom Mancino, BG U.S. Army (RET) a Trivia Night win is the bragging rights. “We will be Tom served 39 years in the Guard. In talking about that for the next year.”

2003-2004, Tom was the Commander said Tom, “We have a really good time.” of the 45th Infantry that served in There are other games available that Afghanistan during that year. He was the evening for those who do not want to first National Guard General Officer to participate in trivia, and all are welcome to this family event. The trivia questions Command National Guard Troops in a are not exclusively technical as some are combat zone since the Korean War. In 2013, after being retired for six years, he based on general history, to make the began working with the Military History event more inclusive for everyone.

Museum, and the rest, as they say, is The event’s origins begin with Tom’s history. The museum today is an everinventiveness as the catalyst for this growing collection with over 2400 items, tradition. In the 1980s, when Trivial “give or take 1 or 200,” said Tom. The Pursuit was becoming an American favorite, Tom created his own version, Center introduced benefits counseling for veterans two years ago. “It’s been a real with trivia cards, a felt board and joy to see the success of this place and one die. The squad leaders would know you had a hand in helping,” he said, carry the game with them and would “but we wouldn’t be successful without bring it out during rest periods or our donors and volunteers.” Everyone at downtime. “He’d get out this game, The Center is grateful for the immense and he would ask the squad these continued support from the community, questions, and it would help them and invite you to join them for Trivia keep up on tactics, weapons, map Night.

It’ll likely be an experience you’ll readings, and different categories never forget. in active service,” said Tom. “It was pretty popular, but never mass BA MILITARY HISTORY CENTER produced, and we used it a lot in the 112 N. MAIN ST. | BROKEN ARROW, OK National Guard.”

(918) 794-2712 | WWW.OKMHC.ORG

Below: Exhibits in the Military History Center

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AUTO LOANS

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+ All Things Titled

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luxury rooms

indoors and outdoors Four Seasons Sunrooms and Screen Rooms are professionally installed lifestyle enhancements.

BY TOM FINK

T

o enhance the beauty, livability screen enhances any home, while unmatched versatility, convenience and value of any home, a providing shade, energy savings and low-maintenance durability. patio or sunroom is an ideal and ventilation, making the The angle of the louvers can be addition. product a sound investment for changed with the touch of a button Sunrooms offer openness and any home’s comfort and elegance. to create the desired amount of visibility while being more cost“(Rainier) screens come in protection or ventilation, and effective than traditional additions, maybe a dozen different colors they’re easily integrated into smartwith the versatility to suit the – white, tan, black, bronze, offhome technology. homeowner’s preferences. white, desert sand, gray, silver Regardless of the system chosen, Four Seasons Sunrooms has and others – all of which are built once the materials for a given been satisfying discriminating to order with durable powder project arrive, the average time homeowners across the nation since coating which creates a beautiful spent on installation is “about a 1974 by building beautiful sunrooms, appearance and requiring week,” often with Jones’ personal solariums, and conservatories. Four very little Below: Four Seasons Sunrooms owner Brian K. Jones has been involved in Seasons now also offers outdoor maintenance,” installation since 1979. shade products, so homeowners he said. can now contact them for all their Another outdoor patio needs as well. superior The Tulsa Four Seasons store has quality been operated by the same local product ownership since 1992. utilized in “People know us by our sunrooms many Four – our sunrooms are known across Seasons the nation for their outstanding Sunrooms quality – and that reputation is projects is built on superior service and the Equinox superior products,” said Brian Louvered K. Jones, president, Four Seasons Roof system, Sunrooms in Tulsa. “I’ll always go which allows with the top products available, one the customer of which that we utilize is Rainier to control the Shades, which are as attractive as louver angles they are practical, saving energy for full sun, and cooling naturally. They really shade or rain are a superior product.” protection.

Rainier power screens and The our louvered patio cover are our Equinox newest additions to our outdoor Louvered shade lineup.

Roof system With the touch of a button, gives the Rainier retractable power homeowners 12 |

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Above: With the touch of a button, a Rainier Power Screen from Rainier provides shade, energy savings and ventilation. Each screen is made to order, so you get exactly the options that suit your home and lifestyle.

involvement.

Jones, who began in 1979 as an installer for another company, went to work for Four Seasons Sunrooms in 1989, buying the business in 1992, and although he’s the company president, he prides himself in taking a very “hands-on” approach to each project.

“I’m not just the owner; I’m the project manager. I personally go out to our project sites, look at the space, and talk with the homeowner, so that I know at the very beginning what would work best for the homeowner,” he said. “There isn’t a project we’ve done since I bought the company that I haven’t had a hand in, and we’ve done projects on homes from $3,000 to $300,000, so we take on a wide range of jobs.”

Windows and doors, patio covers and screen rooms, James Hardie Siding, and more are handled through the company as well, and the patented Conservaglass Select glass used in windows and other projects are also of superior quality.

“We (Four Seasons Sunrooms) are the only company that offers Conservaglass Select,” Jones said.

“This high-performance glass is

extremely smooth to reduce dust and dirt accumulation, at the same time, harnessing the power of the sun to help loosen dirt so that water can easily rinse it away.

Even with all the superior products and services available, Jones said he’s most impressed with the quality of his staff.

“I know it’s probably been said by others, but we really do have the very best people working for us – thorough professionals from start to finish,” he said, “and definitely the nicest people you’ll ever meet.”

So, if you’ve ever dreamed of making a space of your very own for a reasonable cost, contact Four Seasons Sunrooms for a free in-home design consultation.

Four Seasons Sunrooms is located at 7123 S. 92nd E. Ave. in Tulsa. Hours of operation are 9 a.m. to 5 p.m. Monday through Friday and 10 a.m. to 2 p.m.

Saturday.

For more information, call 918-304-6825, or visit them on Instagram, Facebook or online at www.tulsafourseasons.com.

made with a 12-layer patented formula, the end result of which is that it helps keep the sunroom from overheating in the summer, while at the same time, keeping the temperature inside warmer in the winter – it keeps you warmer in the winter and cooler in the summer, basically.”

The process to create Conservaglass Select uses multiple microscopic coatings of exotic metals and compounds to let beneficial natural light into FOUR SEASONS SUNROOMS a room, while blocking the sun’s OF TULSA oppressive solar energy, and 7123 S. 92ND E. AVE. | TULSA, OK (918) 304-6825 | WWW.TULSAFOURSEASONS.COM reducing the damaging effects of UV rays.

Below: Contact Four Seasons Sunrooms in Tulsa about a free in-home design The consultation for your patio, sunroom or more. manufacturing process also permanently bonds an exterior finish to the glass to make it stay cleaner longer than competitor’s glazing. This exterior finish makes the glass WWW.VALUENEWS.COM JULY 2019 OWASSO & COLLINSVILLE

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Summer Sale Event buy one, get one

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‘tis the season

T

TO FEEL LOVELY

BY MACY GOODNIGHT

he Christmas season is all about giving, and July at BA Med Spa is no exception!

Christmas in July is a spectacular sales event that centers around the gift of deeply discounted services offered at the Spa. BA Med Spa, located in Broken Arrow, at 510 N. Elm Pl., has been helping their clients feel their best since 2009. Their ninth annual sales event during the month of July is a huge gift to their current and prospective clients, and a chance for

many to save a great deal of money on the services they provide.

“It’s the best chance to save and get the aesthetic treatments you want, and feel good about yourself,” said Owner, Malissa Spacek. “It’s truly a giving event.”

Each day, beginning July 1, a new special will launch for 12 days. The specials will consist of their most popular services, with possible discounts on treatments such as BellaFill, EmSculpt and much more.

“Just like surprises at Christmas, each

Welcome! Come in for your free complimentary consultation on a wide range of treatments.

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OWASSO & COLLINSVILLE JULY 2019 WWW.VALUENEWS.COM

day will be a new surprise special,” said office manager, Sam Spacek. “In years past, many customers have found that it is a good time to buy multiple services at once, as the pricing is so much more affordable during this special time.” Services may also be pre-purchased during the sales event and used at a later date.

Pricing for each of the 12 days specials will be good for the entire month of July. The specials will be announced on BA Med Spa social media, on Facebook @BAMEDSPA, and their website at www.baweightspa.com.

“This sales event is our gift to our community and our customers to help them achieve their goals and help maintain and build their confidence,” Malissa said.

BA Med Spa has always been in the business of helping people. Their mission is “to improve the lives of the patients we serve.” Self-esteem and confidence are at the root of their foundation, allowing their clients to easily achieve their goals, with services for weight loss and anti-aging. “So many of us work, and confidence is crucial in a competitive market,” said Malissa. “We also have many people who come in after a traumatic event, who just want to feel better about themselves, and not look so tired or rundown.” With so many grateful clients, it is no wonder

The knowledgeable and friendly staff at BA Med Spa are eager to help you feel your absolute best!

that they have a firm standing A+ rating with the BBB, with one customer review stating, “I am writing to tell them how much they helped my self-esteem and my appearance. I highly recommend them to anybody wanting the best results for your money.”

“It feels so good to know that we are helping people and that we are appreciated,” said Malissa. “It’s good for us to proactively care for ourselves, and make sure we are working to maintain our self-esteem.”

As the Christmas in July event is one of their busiest times of the year, it is recommended to be persistent if unable to reach someone on the phone when you call, and leave a message or email, which will receive a rapid response. As always, initial consultations for these treatments are

complementary. “Just come in and talk to us!” said Sam. “It’s the best way for us to help you find the best treatments for you.”

BA MED SPA

510 N. ELM PL. | BROKEN ARROW, OK (918) 872-9999 | WWW.BAWEIGHTSPA.COM FB: @BAMEDSPA

Owner, Malissa Spacek and office manager, Sam Spacek, providing beneficial treatments that they use themselves.

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Annual ice cream festival

n u F e h T p U s p o o c S in Broken Arrow

BY TOM FINK

T

here are many ways to tell someone ‘Thank you.’ Thank you can be said with a card, with flowers or with a gift, but this summer, one of Broken Arrow’s core businesses is saying thank you in the sweetest way possible: with ice cream.

Blue Bell Ice Cream, in partnership with the Broken Arrow Chamber of Commerce, will be hosting the Taste of Summer Ice Cream Festival as a means by which the local creamery offers its thanks to its host community through a day of family-friendly fun and ice cream.

“This is Blue Bell’s giveback event – one in which, they give back to the Broken Arrow community,” said Jessica Mugg, events and communications director, Broken Arrow Chamber. “In the past, Blue Bell had hosted the Taste of Summer event out at their factory, but over time, with the number of people coming in and the amount of traffic, the event eventually outgrew the plant.

“Following this, Blue Bell representatives approached the Chamber to inquire what could be done to help retain the annual event, as it was growing so big – in previous years, there have been more than 12,000

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people in attendance – that it was in danger of going away – no one wanted that,” she continued. “The event proved so successful, it outgrew its space, so we were happy to partner with Blue Bell and moved the event to Central Park on Main Street to retain this popular summer celebration.”

Slated for July 20 – not coincidentally during National Ice Cream Month – the Taste of Summer Ice Cream Festival will bring a day of fun, activities, and live entertainment to downtown Broken Arrow, along with ice cream – and plenty of it.

“Blue Bell will be providing all-youcan-eat ice cream for attendees, and they always bring out a huge variety of flavors – last year, we had more than 20 different flavors of ice cream available,” Mugg said. “As in the past, there will be a kid’s zone, with inflatables, games, and arts and crafts for the children, as well as a ‘touch a truck’ area to give the kids the chance to get up close and see some bigger pieces of equipment.”

For an entry fee of $5, everything is free, except for items purchased from food and marketplace vendors, and the outing allows the public to meet the men and women responsible for Blue Bell Ice Cream.

OWASSO & COLLINSVILLE JULY 2019 WWW.VALUENEWS.COM

Top: Broken Arrow Chamber marketing/ communications manager Alex Risenhoover.

Bottom: Broken Arrow Chamber events and communications director Jessica Mugg.

“It’s a lot of fun - it’s amazing to see all the people who come out to this event and to see the Blue Bell volunteers interact with their customers one-toone,” she said. “Closer to the event date, we’ll be revealing the flavors to be featured this year.”

According to Blue Bell’s website, the company offers 66 different flavors of ice cream, 20 of which are offered yearround, with the additional two to three dozen being offered seasonally.

Aside from being a uniquely ice cream-centric event, the Taste of Summer is remarkable in that it’s “a truly family event,” according to Mugg.

“This is one of those events at which the entire family can come out, enjoy as much ice cream as they want, and enjoy the day together,” she said.

“You know how certain events target certain age groups or members of the population? This is an event that’s held specifically for entire families.

I kind of think of it as our familyfriendly block party – everyone gets together, has a great time, and enjoys ice cream. It’s such a fun event.”

Blue Bell’s Taste of Summer Ice Cream Festival powered by Oneta Power will be held from 10 a.m. to 3 p.m. Saturday, July 20, at Central Park, 1500 South Main Street in Broken Arrow.

Paid event parking will be available adjacent to the festival site, with parking proceeds going to benefit the Broken Arrow Band.

Top: We all scream for ice cream, and at the Taste of Summer event, for a $5 entry cost, attendees can enjoy unlimited ice cream. Bottom: A kid’s zone will be set up with activities, crafts, and more for the youngest visitors to this summer’s Taste of Summer event in Broken Arrow.

BROKEN ARROW CHAMBER 210 N. MAIN ST. | BROKEN ARROW, OK TASTEOFSUMMERBA.COM

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Se nio r L

BY CAROL CARTER

information about active aging, caregiver support services, money management and investments, Medicare options and VA benefits, mental and behavioral health Above: SeniorLink supervisor Chelsea Edwards, News On 6 reporter services, Lori Fullbright and PACE intake manager Adrian Rolle will each be presenting at the 2019 Senior Safety and Lifestyle Fair. accessibility and rehabilitation IFE Senior Services is excited services, durable medical to host the 2019 Senior equipment, travel clubs, housing, Safety and Lifestyle Fair home health and so much more!

Tuesday, July 30 at the Exchange All attendees will receive a Center at Expo Square. For the free copy of the brand-new past two years, the event has 2019-2020 LIFE’s Vintage welcomed hundreds of exhibitors Guide to Housing & Services. and presenters, plus thousands of The 250-page publication is seniors and family caregivers. This northeast Oklahoma’s most year promises to be even bigger comprehensive catalog of and better than ever. senior resources and home “We want Oklahoma seniors and community-based and family caregivers to feel safe, services. It also has articles valued and appreciated. We are helping families plan ahead, excited about partnering with understand care options like Tulsa Police Department’s Senior adult day health and PACE, Services Unit to put a spotlight on compare and evaluate housing the organizations, programs and options, and learn more services that exist to help seniors about Medicare, VA Aid & stay active, involved and healthy.

Attendance and the ADvantage Our goal is to help seniors live Medicaid Waiver program. their best life!” says Mike Fogle, The Senior Stage will feature LIFE Senior Services COO. educational presentations and The event will feature more entertainment throughout the than 150 exhibitors offering day. News On 6 anchor Lori

L

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OWASSO & COLLINSVILLE JULY 2019 WWW.VALUENEWS.COM

Fullbright will emcee as well as share her widely-acclaimed “Cons, Frauds and Scams” presentation. Other presenters include Dr. Jameca Price from OU Physicians, Wayne Blackmon from AARP Fraud Fighters and Tom McCloud from Clear-tone Hearing Aid Laboratories. Senior Stage entertainment will include Nashville recording artist James Robert Webb and drummers, pickers and dancers from LIFE’s Senior Centers.

From 9 a.m. to noon AARP Oklahoma is sponsoring a free drive-thru shredding event on the Below: More than 150 exhibitors will be providing helpful information.

r Safety and ifestyle Fair east side of the Exchange Center.

Bring your old tax, medical and banking records, or even prescription tags and junk mail for safe, on-site destruction.

Attendees are also encouraged to take advantage of OU Physicians’ free health screenings and “Ask the Doctor” booth. The Rx Take Back booth provides the perfect opportunity to bring in your expired or unneeded prescriptions and medications for safe disposal.

Plus, there will be many other activities to enjoy. Visit with Paw Pals therapy dogs and rescue pets from Lab Rescue OK and Animal Aid of Tulsa – you might even find your new best friend!

Additionally, there will be bingo, door prizes, and free goodie bags for the first 500 people through the door starting at 8:30 a.m.

There is a pre-event continental breakfast at 7:30 a.m. hosted by Oklahoma Insurance Department (OID), followed by “Protecting Medicare and You” with Ray Walker from OID. Space is limited, and reservations are required. Call (800) 7632828 to reserve your spot.

We hope you will join us Tuesday, July 30 from 8:30 a.m. to 3 p.m. at the Exchange Center at Expo Square. This event is free and will offer convenient parking lot shuttles.

LIFE SENIOR SERVICES

5950 E. 31ST ST. | TULSA, OK (918) 664-9000 WWW.LIFESENIORSERVICES.ORG/SENIORSAFETYFAIR

Above and left: The Senior Safety and Lifestyle Fair offers something for everyone, including “Ask the Doctor” with OU physicians and bingo.

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Mortgage Matters

Q&A:

Accepting Gift Funds

By April Bow, Mortgage Originator RCB Bank

May I use gift funds on all types of purchases?

Borrowers seeking a mortgage to secure a principle residence or second home may use funds received as a personal gift from an acceptable donor. Restrictions vary between loan types as to how gift funds may be used, for down payment, closing costs or reserves subject to minimum borrower contribution requirements. Gifts are not allowed on an investment property.

Who can give a gift?

Gift funds can only come from acceptable donors. A gift can be provided by a relative, fiancé or domestic partner. A relative is more closely defined as the borrower’s spouse, child, dependent or any other individual who is related to the borrower by blood, marriage, adoption or legal guardianship.

If you plan to accept a monetary gift to help you cover homebuying costs, familiarize yourself with how funds may be used and who are acceptable donors.

What documentation is required?

Gifts may be evidenced with a gift letter signed by the donor.

The gift letter must specify gifted dollar amount, date funds were transferred, donor statement that no repayment is expected and donor identification, including name, phone, address and relationship to the borrower.

How are gift funds verified?

Lenders will gather documentation to confirm sufficient funds are in the donor’s account or have been transferred to the borrower’s account. There are three different ways to verify funds: • Copy of the donor’s check and borrower’s deposit slip

Gift donors also should familiarize themselves with the IRS annual gift tax rules, as taxes may be owed if the gift amount exceeds the annual exclusion. Please consult with a tax professional.

We are to here to help, even if you are not an RCB Bank customer.

Give us a call.

• Lender can document donor gave closing agent the gift funds in the forms of a cashier’s check, certified check or another official check.

Restrictions, limitations and conditions apply for all loan types with approved credit.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB.

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Gifts of equity are allowed by the seller to the buyer on principle residences and second home purchases. The gift represents a portion of the seller’s equity in the property, and is transferred to the buyer as a credit. This still requires a gift letter and the settlement statement listing the gift of equity.

• Copy of the donor’s withdrawal slip and borrower’s deposit slip

Invest in yourself.

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Can equity be gifted?

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Summer Grilling IT’S NOT JUST BURGERS AND HOTDOGS

BY SHANNON SMITH

I

’m that person that fires up the grill every month of the year. I’ve been known to wear a ski mask to keep warm over the grill during a snowstorm. Summer is my favorite time to grill because there are so many freshly grown vegetables to throw over the coals, bringing out the smoky flavors and delicious char.

Grilling isn’t just for burgers and hotdogs. Gather your favorite veggies and drizzle with some olive oil, salt and pepper and let the sizzle begin. You can get creative by adding flavorful dry rubs, freshly chopped herbs or seasoned salt. You can even grill fresh fruit, like peaches and plums by glazing them with oil and searing until you have nice grill marks. Finish fruit with a drizzle of maple syrup or honey, and serve it as dessert with ice cream. I like to chop grilled fruit and add red onions

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and jalapeño for a salsa to serve with grilled meat. This summer, I grilled strawberries and served them with whipped cream and balsamic vinegar for a really refreshing dessert that’s not too sweet.

When it comes to grilling, I prefer charcoal or wood because I like the smokiness that adds a dimension of flavor. However, the gas-fired grill can certainly be more convenient.

You can still get that smoky flavor with a gas grill if you soak a piece of oak or fruit wood in water for at least 30 minutes, then partially wrap it in foil and place it on the grate.

Whether I’m grilling meat or vegetables, I don’t use a lot of marinades or dry rubs since I prefer to make simple sauces for the finished dish. One of my favorite sauces is pesto, made from fresh herbs from my garden. I also heat maple syrup until

OWASSO & COLLINSVILLE JULY 2019 WWW.VALUENEWS.COM

it becomes thick and sticky, and add a knob of butter to make a tasty glaze for pork, salmon or chicken. Use your favorite Mexican salsa to top grilled veggies or any smoky meat.

There are so many ways to finish your grilled masterpiece, but don’t feel obligated to get saucy. Fire has its own way of making food taste spectacular without the addition of anything (except salt, of course).

Get creative this summer by firing up the grill, and show your family and friends that you can serve up more than burgers and hotdogs. If you’re looking for some interesting sauces, here are two of my favorite recipes.

Find more on beadsandbasil.com, and happy grilling!

BEADS AND BASIL

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Grilled Cod with Salsa Verde

(Serves 4)

There are a lot of variations for salsa verde, and this is one of my favorites. In the summer when I have an abundance of fresh mint I add it to the mix.

If you’re in a hurry you can make the salsa in a food processor, but just pulse it so it doesn’t become smooth.

Of course, you can substitute the cod for fish that is in season. Serve this with rice or potatoes, and some roasted cherry tomatoes, and you’ve got a beautiful plate of colorful goodness!

• • • • • • • • • • •

1/2 cup vegetable oil, for frying 1 shallot, minced 1 garlic clove, minced Juice of one lime 1/2 cup fresh parsley leaves, finely chopped 1/2 cup fresh cilantro leaves, finely chopped 1 stalk celery, minced (including leaves) 1 small tomatillo, minced 1 Tbsp. capers, minced Salt and pepper Four cod fillets, about 1” thick

Yellow Pepper Pesto This is absolutely my favorite sauce recipe!

The roasted yellow peppers add a sweetness that blends perfectly with the cilantro and Parmesan. You can spoon this sauce on eggs, grilled meats or vegetables, or my favorite…..poured over corn chips and eaten like chips and salsa!

• • • • • • • •

2 large yellow bell peppers, grilled, peeled, seeded and chopped 1 clove garlic, chopped 2 tablespoons pine nuts 1 cup chopped fresh cilantro leaves 3 tablespoons grated Parmesan 1/2 cup extra-virgin olive oil 1 tsp. salt 1 tsp. freshly ground pepper

Place peppers, garlic, pine nuts, cilantro and cheese in a food processor and process until combined. With the motor running, add the oil and process until emulsified and season with salt and pepper, to taste.

In a bowl, whisk together the shallot, garlic, parsley, cilantro, celery, tomatillo, capers, salt and pepper (to taste).

Brush the cod fillets with olive oil and add salt and pepper to both sides. Sear over a hot grill, about 4 minutes on each side, until fish is firm and flaky in the center.

(Alternatively, you can cook the cod in the broiler of your oven by placing cod on a broiler pan set 6” under the heating element, and cooking about 4 minutes on one side. Turn fillets and cook another 4 minutes until done).

Cooking time depends on the thickness of your fish. If they are thicker than 1” you might cook longer.

Place fish on platter and top with salsa verde.

WWW.VALUENEWS.COM JULY 2019 OWASSO & COLLINSVILLE

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OklaMoments

JULY

BIXBY, OK July 13, 2019 - 9pm to 11pm Movies in the Park Ralph Breaks the Internet Charley Young Event Park 50 W Dawes Ave Bixby, OK 74008 918-366-4430 bixbychamber.chambermaster.com July 15, 2019 - 10:30am to 11:30am Alzheimer’s Support Group Evergreen Baptist Church 10301 E 111th St S Bixby, OK 74008 918-645-7853 bixbychamber.chambermaster.com July 20, 2019 - 8am to 11am Bixby Farmer’s Market Charley Young Event Park 50 W Dawes Ave Bixby, OK 74008 918-366-4430 bixbyfarmersmarket.com

CLAREMORE, OK Every Saturday - 8am to 12pm Claremore’s Farmers Market Gazebo Park N Weenonah Ave Claremore, OK 74017 918-341-8688 visitclaremore.org

July 20, 2019 - 1pm to 3pm Family Day at the Ranch Will Rogers Birthplace Ranch 9501 E 380 Rd Oologah, OK 74053 918-341-0719 willrogers.com July 25, 2019 - 6pm to 9pm Food Truck Thursday Historic Downtown Claremore 419 W Will Rogers Blvd Claremore, OK 74017 918-341-5881 downtownclaremore.org

July 12-14, 2019 Tokyo in Tulsa - Worlds Collide: Cowboys vs Aliens Stoney Creek 200 W Albany St Broken Arrow, OK 74012 tokyointulsa.com

July 26, 2019 - 6:30pm Movie Night at the Museum Will Rogers Memorial Museum 1720 W Will Rogers Blvd Claremore, OK 74017 918-341-0719 willrogers.com

July 20, 2019 - 10am to 3pm Blue Bell’s Taste of Summer Ice Cream Festival Central Park 1500 S Main St Broken Arrow, OK 74012 918-251-1518 brokenarrowchamber.com/taste-of-summer

JENKS, OK Every Saturday - 8am to 12pm Jenks Saturday Market Downtown Jenks 7th St & Main Jenks, OK 74037 918-629-9495 fb.com/jenkssaturdaymarket Every Monday - 6pm Coca-Cola Family Movie Night Riverwalk 300 Riverwalk Terrace Jenks, OK 74037 918-299-8000 riverwalktulsa.com

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VALUES

SAPULPA, OK July 8-12, 2019 - 8am - 1pm The Great Escape! Vacation Bible School First Baptist Sapulpa 200 S Elm St Sapulpa, OK 74066 918-224-4100 fbcsapulpa.com July 11, 18, 25, 2019 - 5:30pm to 730 pm Sapulpa Artists’ Guild Painting Classes Sapulpa Senior Citizen Center 515 E Dewey Ave Sapulpa, OK 74066 918-224-8106 sapulpachamber.com

July 12-13, 2019 - 6pm to 9am Overnight at the Chuck Wagon Will Rogers Memorial Museum 1720 W Will Rogers Blvd Claremore, OK 74017 918-341-0719 willrogers.com

BROKEN ARROW, OK Every Saturday - 8am to 12pm Rose District Farmers Market The Rose District 418 S Main St Broken Arrow, OK 74012 rosedistrict.com

July 13 & 27 2019 - 6pm to 9pm Murder Mystery Dinner Show Hilton Garden Inn 420 W Albany St Broken Arrow, OK 74012 918-940-8444 thedinnerdetective.com

Every Thursday - 7pm to 9pm Summer Concert Series Riverwalk 300 Riverwalk Terrace Jenks, OK 74037 riverwalktulsa.com

July 1 - August 3, 2019 - 10am to 6pm Sharklahoma Oklahoma Aquarium 300 Aquarium Dr Jenks, OK 74037 918-296-3474 okaquarium.org

July 15, 2019 Adulting Classes Sapulpa Public Library 27 W Dewey Ave Sapulpa, OK 74066 918-224-5624 cityofsapulpa.net

July 11, 2019 - 7pm “JAWS” and the Truth about Sharks Oklahoma Aquarium 300 Aquarium Dr Jenks, OK 74037 918-296-3474 okaquarium.org July 18, 2019 - 6pm Summer in the Park: Music and Movie Night Downtown Commons 224 E A St Jenks, OK 74037 jenkschamber.com OWASSO, OK July 13, 2019 - 11am to 12pm Second Saturday Kids Zone JCPenney 9056 N 121st E Ave Owasso, OK 74055 918-401-2460 stores.jcpenney.com/ok/owasso July 8-9, 2019 SCPGA Championship Patriot Golf Course 5790 N Patriot Dr Owasso, OK 74055 573-280-8968 southcentralpga.bluegolf.com Jul 8-12, 15-19, 22-26, 29 - Aug 2, 2019 - 9am to 3pm Camp Explore Owasso 7th Grade Center 1400 N Main St Owasso, OK 74055 campexploreowasso.com

OWASSO & COLLINSVILLE JULY 2019 WWW.VALUENEWS.COM

TULSA, OK Every Sunday - 2:30pm to 6:30pm Sunday Concert Series Guthrie Green 111 E M.B. Brady St Tulsa, OK 74103 918-574-2421 guthriegreen.com Every Wednesday - 7:30am to 11am Brookside Farmers Market Food Pyramid Parking Lot 41st & S Peoria Ave Tulsa, OK 74170 tulsafarmersmarket.org Every Saturday - 7am to 11am Cherry Street Farmers Market 1360 E 15th St Tulsa, OK 74120 tulsafarmersmarket.org June 6 - July 27, 2019 - 5pm Live Horse Racing Expo Square - Fair Meadows 4705 E 21st St Tulsa, OK 74114 918-744-1113 tulsastatefair.org

COMMUNITY CALENDAR July 8, 2019 - 7pm to 8pm WWII Botany: How Plants won the War Tulsa Garden Center 2435 S Peoria Ave Tulsa, OK 74114 918-853-1106 tulsagardencenter.com

July 12, 2019 - 8pm 1964: The Tribute Tulsa PAC - Chapman Music Hall 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com

July 11 - 19, 2019 - 7:30am Pony of the Americas National Congress Expo Square - Ford Truck Arena 4145 E 21st St Tulsa, OK 74114 317-788-0107 poac.org

July 13-14, 2019 TRMS Gem, Mineral & Jewelry Show Expo Square - Exchange Center 4145 E 21st St Tulsa, OK 74114 918-744-1113 tulsarockandmineralsociety.org

July 11, 2019 - 8:30pm “Why Not??”

Comedy Show Cain’s Ballroom 423 N Main St Tulsa, OK 74103 918-584-2306 cainsballroom.com

July 13, 2019 - 11am to 5pm DODGEBRAWL BOK Center 200 S Denver Ave W Tulsa, OK 74103 918-894-4200 tulsadodgebrawl.com

July 11, 25, 2019 - 7:30pm to 9:30pm Movie In the Park Guthrie Green 111 E M.B. Brady St Tulsa, OK 74103 918-574-2421 guthriegreen.com July 12-14, 2019 Heart of Tulsa Arts and Crafts Show Expo Square - River Spirit Expo 4145 E 21st St Tulsa, OK 74114 918-744-1113 aaoth.com

July 12, 2019 - 6pm to 2am Tulsa Funk Festival 2019 VFW Post 577 1109 E 6th St Tulsa, OK 74120 fb.com/tulsafunkfestival

July 19-21, 2019 Home & Garden Expo of Oklahoma Expo Square - Exchange Center 4145 E 21st St Tulsa, OK 74114 918-744-1113 coxradiotulsa.com July 23-28, 2019 - 7:30am to 8pm American Buckskin 32nd Annual World Championship Show Expo Square - Ford Truck Arena 4145 E 21st St Tulsa, OK 74114 918-936-4707 americanbuckskin.org July 25, 2019 - 8pm Manuel Vignoulle- M/motions Tulsa PAC - John H. Williams Theatre 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com

July 13, 2019 - 1pm to 5pm 20th Annual Strikeout Breast Cancer Bowling Fundraiser Andy B’s 8711 S Lewis Ave Tulsa, OK 74137 918-834-7200 oklahomaprojectwoman.org/strike July 18-19, 2019 - 9:30am to 7pm Tulsa County Free Fair Expo Square - Exchange Center 4145 E 21st St Tulsa, OK 74114 918-744-1113 oces.tulsacounty.org

July 12-14, 2019 Aladdin Jr. Tulsa PAC - John H. Williams Theatre 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com

July 28, 2019 - 4pm Fly Dance Company Tulsa PAC - John H. Williams Theatre 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com

July 18-21, 2019 RENT: School Edition Tulsa PAC - John H. Williams Theatre 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com July 19-21, 2019 Green Country RV & Boat Show Expo Square - River Spirit Expo 4145 E 21st St Tulsa, OK 74114 505-345-8558 greencountryrvshow.com

July 27-28, 2019 RK Shows Inc. Gun & Knife Show Expo Square - Exchange Center 4145 E 21st St Tulsa, OK 74114 563-927-8176 rkshows.com

July 29, 2019 - 12pm to 6pm Tee Off Fore Vets and Pets Golf Tournament Meadowbrook Country Club 9300 E 81st St Tulsa, OK 74133 918-477-7606 giwishes.org

July 31, 2019 - 8:30am to 3pm LIFE Senior Services Senior Safety & Lifestyle Fair Expo Square - Exchange Center 4145 E 21st St Tulsa, OK 74114 918-644-9000 ext. 1219 lifeseniorservices.org/seniorsafetyfair

July 27-28, 2019 Tulsa Powwow Cox Business Center 100 Civic Center Tulsa, OK 74103 918-724-0762 tulsapowwow.org

July 31 - August 4, 2019 - 7:30am 2019 Kansas Paint Horse Congress Expo Square - Ford Truck Arena 4145 E 21st St Tulsa, OK 74114 620-921-5014 kansaspainthorse.com

July 27, 2019 - 8pm Giordano Dance Chicago Tulsa PAC - John H. Williams Theatre 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com

July 9, 16, 23, 2019 - 8pm to 10pm Starlight Concert Series Guthrie Green 111 E M.B. Brady St Tulsa, OK 74103 918-574-2421 guthriegreen.com August 1, 2019 - 7pm Michael Cavanaugh: The Music of Billy Joel and Elton John Tulsa PAC - John H. Williams Theatre 110 E 2nd St Tulsa, OK 74103 918-596-7111 tulsapac.com

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