Value News Tulsa March 2013 by Values, Inc.

What’s Happening on Page 16!

VOL 20 ISSUE 3

March 2013

TULSA

NE Oklahoma’s Leading Consumer Newspaper

Exceeding Expectations Fowler Chevrolet has been completely remodeled and is setting the new standard for dealerships in the community. By Duane Blankenship Following storm damage, Fowler Chevrolet of Tulsa has spent 18 months with remodeling projects that have brought the family-owned dealership to a high performance standard. The dealership was previously operated by Sonic Automotive out of Charlotte, North Carolina and was a corporate-owned dealer franchise operation. It is now wholly owned by Fowler Holding Company, Mike Fowler, president. The dealership officially changed hands, becoming

Fowler Chevrolet, on September 12, 2012. New management has brought the dealership to a level that has exceeded public expectations. The building has a brand new front and new car sales area. Almost everything throughout the operation is new, including paint, floors, service drive, furniture, customer lounge, and state-of-the-art service equipment. Service Manager Jeff Cantrell reported that in the near future each service advisor will be equipped with a

Could Your Old Driveway Use Some Curb Appeal? LCI Concrete specializes in concrete driveways, patios and other flatwork. By Duane Blankenship As a homeowner in northeastern Oklahoma, you’ve probably already discovered that winter snow, ice and corrosive salt take their toll on your home’s driveway. Given a little time and a few hard winters, most of us have witnessed firsthand the pitting

Preferred Customer Requested Delivery February 26, 2013 Dated Material

The Fowler Chevrolet “Turn Tulsa Pink” service team includes (L to R): Service Manager Jeff Cantrell and Service Consultants David Brock, Eric Bowman and Bill Dewil.

AVB Bank Announces New President and CEO Ted Cundiff has over 20 years of banking experience and is now leader of AVB Bank. By Kelli Sowell

and flaking that begins defacing our driveways. The deterioration gradually worsens until it has a definite negative effect on your home’s curb appeal and even its value. There is, however, a simple way to get rid of that old “eye (continued on page 24)

Kalan Paul, owner of LCI Concrete.

PRSRT-STD U.S. POSTAGE PAID PERMIT NO. 1000 TULSA, OK

personalized computer tablet, enabling them to record your personal service information on the drive as you deliver your vehicle for service. You’ll immediately see new computerized equipment on the service department driveway that checks wheel alignment in less than two minutes. And it’s done for free. The shop also sports new lifts and a Broadway car wash area. “Our shop is built for the next century,” says Jeff, “with all its technology, sophisticated (continued on page 24)

AVB Bank announced Ted Cundiff has been named president and chief executive officer (CEO). Cundiff will assume his role effective March 1, 2013. Most recently, Cundiff served as AVB’s chief lending officer (CLO) and senior executive vice president. He replaces Jim Boze, who after 40 years in the banking industry, announced earlier this year that he would retire. Boze will remain with the organization through the end of February 2013. “Ted Cundiff has extensive financial experience. He understands our industry and our community and brings a wealth of knowledge to his role as AVB Bank’s president and chief executive officer,” said Kelley Rash, AVB Bank chairperson of the board. “We are confident that with Ted’s leadership, AVB (continued on page 24)

(continued on page 2) www.valuenews.com South Tulsa 40,918 homes (This is a geo-demographic mailing list and delivered to homes in Mid-Town and South Tulsa.)

Bixby, Jenks Glenpool & Sapulpa 22,792 homes Bixby–6,880 Glenpool–74033–3,609 Jenks–74037–4,940 Sapulpa–74066–7,363

Paid Mailing Circulation

Ted Cundiff, new president and CEO of AVB Bank.

Owasso/Collinsville 18,429 homes Owasso–74055–12,198 Collinsville–74021–6,231

Rogers County 22,499 homes Claremore–74017–8,911 74019–5,697 Catoosa–74015–2,570 Chelsea–74016–1,780 Inola–74036–2,136 Oologah–74053–1,405

Broken Arrow 36,033 homes 74011–9,299 74012–18,668 74014–8,066

TERMITES ARE SWARMING! Termites are eating your house now. Don’t let them destroy your home.

CALL! EERF NOITCEPSNI (If you can read this, you get a free inspection.)

Page 2

TULSA

March 2013

www.ValueNews.com

ASK THE MONEY MAVEN STRAIGHT-FORWARD, NO-NONSENSE TALK ABOUT YOUR MONEY

LIFE IS A RISK BY MELANIE HASTY-GRANT

Everything in life is a risk. Everything from taking huge steps to doing absolutely nothing is a risk. Let’s talk in plain English about the risks and rewards of different investments. I’ll start with CD’s. Many folks don’t consider a CD an investment, but it is. Basically, you’re loaning the bank your money in return for a fixed rate of return if held to maturity, (6 months, 1 year, 5 years). The longer you loan the bank your money, the higher the interest rate you get. Right now, the national average for interest on a 6 month CD is .44%, 1 year .64%, and 5 year 1.35% (1). Since it’s guaranteed and backed by FDIC it doesn’t sound like much of a risk. The guaranteed part of a CD isn’t risky but the fact that CD’s are paying so very little is. The reason the low interest rate is a risk to you is because it doesn’t offer you enough to keep up with inflation. It’s called inflation risk and it’s very real! A few years ago we paid about $1 for a gallon of gas. Today we pay more than $3. The average inflation rate is about 3% a year. If you’re not making at least what the inflation rate is…..you’re losing money. Okay, now lets move on to bonds. Typically, folks buy bonds because they perceive them to be less risky. The current average yield for a corporate 10 year bond is 2.43%, for a 20 year 3.97%.(2) Sounds like a pretty square deal?!? It can be, but here is the “skinny”. As the federal funds rate and the US Treasury rate go up, the value of bonds go down. Bonds are subject to interest rate risk if sold prior to maturity. Bond values will decline if interest rates rise and bonds are subject to availability and change in price. The 10 year Treasury note has been at all time lows.(3) If rates go up, prices will go down. (4) What that means to you, if

Industry Stocks is 4.4%. The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time. The risk of this type of investment lies in the price fluctuation of the shares that you own. It may go way up, it may go way down. This is what we call principle risk. Always remember that “trees don’t grow straight to heaven”. In other words “the market” doesn’t just go in one direction.

you own a bond, is that the value of what you own will decrease if you don’t hold it to maturity. Another side note is that lots of folks don’t like to buy bonds because of their length to maturity. It can range from 10-20 years or more. That’s a long time to tie up your money. So, for the grand finale’….let’s talk about the “evil” stock market. When you buy a share of a stock you are really buying into a small piece of a company called a “share”. These “shares” are bought and sold on the stock exchange each day. The value of each share goes up and down depending on how many buyers and how many sellers are trading that company each day. Folks decide to buy or sell a particular company based upon lots of things. How much profit a company has during a quarter, if that company pays dividends to its shareholders, and other economic and political factors play a role in whether people may choose to buy or sell. In addition, if the company pays dividends you get to share in the profits of the company. According to the Value Line Survey on the Highest Dividend Yielding Stocks the average dividend for Electric and Utility

The moral of the story is . . . EVERY investment has risk! Such is life. It just depends which risk you are willing to take at the moment. EVERY investment has positives and negatives. There is no Utopia in the investment world. The important thing is that you fully understand the risk and rewards, that you either learn enough to effectively invest on your own, or you hire an expert to do it for you. Remember . . . Who you trust matters! For more information go to www.waterstonewealth.com or call 918-272-1120. Melanie Hasty-Grant, Experienced Licensed Professional Counselor and Managing Principal at Waterstone Private Wealth Management. Securities offered through LPL Financial Member FINRA/SIPC. 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. Footnotes: (1)Bankrate.com (2) morningstar.com (3) finance.yahoo.com (4) investopedia.com

For more information go to www.Waterstonewealth.com. Melanie Hasty-Grant, Experienced Licensed Professional Counselor and Managing Principal at Waterstone Private Wealth Management. LPL Financial. Member FINRA/SIPC.

IN THIS ISSUE… For Advertising Information, call A Local Classic Is Back . . . . . . . . . . . . . . .5 A Tale Spun of Friendship . . . . . . . . . . . . .8 Akira Sushi Bar . . . . . . . . . . . . . . . . . . . . . .11 Americaʼs Auto Auction . . . . . . . . . . . . . . . .21 Assisted Transition . . . . . . . . . . . . . . . . . . . .7 Assurance Overhead Doors . . . . . . . . . . . .14 AVB . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 AVB Bank Announces New President and CEO . . . . . . . . . . . . . . . . .1 BA Med Spa & Weight Loss Center . . . . . .19 Beautiful Lawns Don’t Happen By Chance . . . . . . . . . . . . . . . . . . . . . . .13 Beautiful Living . . . . . . . . . . . . . . . . . . . . .10 Beyond Salon . . . . . . . . . . . . . . . . . . . . . . .24 Bill Knight Collision Repair . . . . . . . . . . . . . .4 Bill Knight Ford . . . . . . . . . . . . . . . . . . . . . . .4 Bill Knight Lincoln . . . . . . . . . . . . . . . . . . . . .4 BMW of Tulsa . . . . . . . . . . . . . . . . . . . . . . .12 Brunson Cabinet Co, Inc. . . . . . . . . . . . . . . .9 Community Builders . . . . . . . . . . . . . . . . . .31 Community Home Health . . . . . . . . . . . . . .28 Could Your Old Driveway Use Some Curb Appeal? . . . . . . . . . . . . . . . .1 Dr. LaButti . . . . . . . . . . . . . . . . . . . . . . . . . .12 Easter Extravaganza . . . . . . . . . . . . . . . . .7 Emerge Medical Day Spa . . . . . . . . . . . . . .9 Exceeding Expectations . . . . . . . . . . . . . .1 Fowler Chevrolet of Tulsa . . . . . . . . . . . . . .3 Fowler Toyota of Tulsa . . . . . . . . . . . . . .8, 16 Fowler Toyota of Tulsa Rent A Car . . . . . . .16 Gleam Guard . . . . . . . . . . . . . . . . . . . . . . .27 GNC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Goodwill . . . . . . . . . . . . . . . . . . . . . . . . . . .30 Grassroots Healthcare . . . . . . . . . . . . . . . .20 Grout Care of Tulsa . . . . . . . . . . . . . . . . . .11 Health Care Reform - Pay or Play? . . . .15 Holmes Organisation . . . . . . . . . . . . . . . . .15 Jim Glover Chevrolet . . . . . . . . . . . . . . . . . .6 Joe Marina Honda . . . . . . . . . . . . . . . . . . .14 Knotty Pine Barbeque . . . . . . . . . . . . . . . . .5 Ladies Day Out . . . . . . . . . . . . . . . . . . . . .25 LCI Concrete . . . . . . . . . . . . . . . . . . . . . . .30 Lucas Premier Cleaning . . . . . . . . . . . . . . .25 Marc Miller Buick GMC . . . . . . . . . . . . . . .19 Mazzioʼs . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

(918) 828-9600

Montag Studio . . . . . . . . . . . . . . . . . . . . . .22 Mother Natureʼs Pest and Lawn . . . . . . . . . .1 Mullin Plumbing . . . . . . . . . . . . . . . . . . . . .28 Oklahoma’s Largest Wine Tasting Festival . . . . . . . . . . . . . . . . . . .26 Prairie Rose . . . . . . . . . . . . . . . . . . . . . . . . .8 Quick Lane Tire & Automotive Center . . . .23 RCB Bank . . . . . . . . . . . . . . . . . . . . . . . . . .29 Relief After 30 Years of Knee Pain . . . . .12 Reveal Salon & Aesthetics . . . . . . . . . . . . .10 Rock Church . . . . . . . . . . . . . . . . . . . . . . . . .7 RSU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Shopping for a Cause . . . . . . . . . . . . . . . .9 Sooner Lawn . . . . . . . . . . . . . . . . . . . . . . .13 South Pointe Chevrolet & Saturn . . . . .26, 32 South Pointe Chrysler Jeep Dodge . . .30, 32 Spinal Decompression of Oklahoma . . . . .25 Spring Brings Swarming Termites . . . . .11 Spring Clean Your Mortgage . . . . . . . . . .29 Tobar and Sons Landscaping . . . . . . . . . . .23 Tulsa Gold & Gems . . . . . . . . . . . . . . . . . .21 Tulsa Regional Chamber . . . . . . . . . . . . . .20 Tulsa Urology . . . . . . . . . . . . . . . . . . . . . . .13 Twisted Soul Sisters . . . . . . . . . . . . . . . . . .22 United Ford Parts Distribution Center . . . .28 Vincent Anthony Jewelers . . . . . . . . . . . . .18 Volvo of Tulsa . . . . . . . . . . . . . . . . . . . . . . . .4 Waterstone Private Wealth Management . .2

Founder, President, and Publisher: Mary Bransford

March 2013 - Vol. 20, No. 3 For details, call

(918) 828-9600

Value News is published monthly by Value News, Inc., 5800 E. Skelly Dr., Suite 707, Tulsa, OK 74135, 918-828-9600. Fax 918-828-9933. © Value News, all rights reserved, cover-to-cover. Vol. 20, No. 3, 2013 Over 150,000 copies direct mailed to homes in Tulsa, Broken Arrow, Owasso, Collinsville, Claremore, Catoosa, Verdigris, Chelsea, Inola, Oologah, Bixby, Glenpool, Jenks, and Sapulpa. Value News strives to maintain a quality level of accuracy and truth in its printed information and advertising, however, when errors or misprints occur, the individual, photographers, writers, advertisers and other contributors retain the right to qualify the information contained in their material published in the Value News. Views and claims made by them may not be construed representative philosophy or policies of this publication. Written works and advertising designed by Value News may not be reproduced for any other publication or medium without permission by the publisher. Submissions of news, features, story ideas, manuscripts, photos, graphics, art, raw creativity, etc. are welcomed and become property of Value News when published.

www.ValueNews.com

March 2013

TULSA

Page 3

Experience Our One-of-a-Kind Certified Service Department!

We are Turning Tulsa Pink for women, men and children affected by cancer!

Watch as we become pinker by the day leading up to our great car giveaway! Every Thursday is Movie

Tuesday is Turn Tulsa

Thursday!

Pink Day!

OIL CHANGE: • Oil & Filter Change • FREE Tire Rotation (if needed) • FREE Alignment Analysis • A $25 Cinemark Gift Card

OIL CHANGE:

• Oil & Filter Change • FREE Tire Rotation (if needed) • FREE Alignment Analysis • FREE Multipoint Certified Service Inspection • FREE Drive Thru Car Wash (weather permitting)

(limit one gift card per household) 707 West 51st Street, Tulsa OK 74107 918-446-2200 • fowlerchevrolet.com *Up to 6 Qts of Conventional or Dexos Oil are included. Full Synthetics, Diesels and added capacity are extra charges. GM Vehicles only. Taxes, supplies and disposal fees are extra. See dealer for eligible vehicles and details. Not valid with other offers. Please present coupon at time of service write-up. Expires 3/31/13. ValueNews.com Coupon

707 West 51st Street, Tulsa OK 74107 918-446-2200 • fowlerchevrolet.com *Up to 6 Qts of Conventional or Dexos Oil are included. Full Synthetics, Diesels and added capacity are extra charges. GM Vehicles only. Taxes, supplies and disposal fees are extra. See dealer for eligible vehicles and details. Not valid with other offers. Please present coupon at time of service write-up. Expires 3/31/13. ValueNews.com Coupon

707 West 51st Street, Tulsa OK 74107 918-446-2200 • fowlerchevrolet.com

We Sell Brakes • Batteries • Tires

Lower Than Ever In Price! 9607 S Memorial, Tulsa

4111 S Memorial, Tulsa

(918) 526-2400

(918) 526-2503

4111 S Memorial, Tulsa

8324 E 97th, Tulsa

(918) 526-2300 (918) 526-2370

(918) 526-2503

3995 OR LESS $ 00 - 10 Mail-in Rebate

PLUS TAX

BUY 4 TIRES GET UP TO AN $80 MAIL-IN REBATE!

IT COULD SAVE YOU AS MUCH AS $77 IN FUEL BY YOUR NEXT OIL CHANGE. l

Motorcraft® Premium Synthetic oil blend and Motorcraft® filter change

l l l l

Rotate and inspect four tires Inspect brake system Test battery Check belts and hoses Top off all fluids 4111 S Memorial (918) 526-2503

Retail purchases only. Up to five quarts of Motorcraft® oil and oil filter. Taxes, diesel vehicles and disposal fees extra. Hybrid battery test excluded. Offer valid between 2/1/13 and 3/31/13. Rebate must be submitted by 4/30/13. Rebate by check or apply to an active Owner Advantage Rewards® account. To apply rebate to an active Owner Advantage Rewards account, member must enter rebate information on FordOwner.com. See participating dealership for vehicle exclusions, rebate and Owner Advantage Rewards details through 3/31/13. ValueNews.com Coupon

PREMIUM WEAR INDICATOR WIPER BLADES

$ PER PAIR

PLUS TAX

4111 S Memorial (918) 526-2503

9607 S Memorial (918) 526-2400

Taxes extra. See participating Bill Knight for installation, vehicle applications and details through 3/31/13. ValueNews.com Coupon

9607 S Memorial (918) 526-2400 4111 S Memorial (918) 526-2503

PLUS TAX

Bill Knight-installed Motorcraft brake pads or shoes only, on most cars and light trucks. Front or rear axle. Excludes parking brakes and machining rotors or drums. Taxes extra. See participating dealership for vehicle exclusions and details through 3/31/12. ValueNews.com Coupon

MAIL-IN REBATE

9607 S Memorial (918) 526-2400

4111 S Memorial (918) 526-2503

Bill Knight-installed retail tire purchases only, limit one redemption per customer. Tire purchase must be made between 2/1/13 and 3/31/13. Rebate must be submitted by 4/30/13. Rebate by check. See participating dealership for vehicle applications and rebate details through 3/31/13. ValueNews.com Coupon

Set Your Service Appointment Online:

COME TO BILL KNIGHT AUTO FOR EXPERT ADVICE and great values on maintenance that keeps your vehicle operating at top performance more fuel efficient, safe and cleaner air for the environment.

www.BillKnightAuto.com 4111 S Memorial, Tulsa

We Sell Brakes • Batteries • Tires

BRAKE SERVICE INSTALLED

80 $ 70 $ 60 $ 50 $ 40 $

We Sell Brakes • Batteries • Tires

Higher Than Ever In Service & Quality,

9607 S Memorial (918) 526-2400

We Sell Brakes • Batteries • Tires

www.ValueNews.com

We Sell Brakes • Batteries • Tires

March 2013

TULSA

We Sell Brakes • Batteries • Tires

We Sell Brakes • Batteries•Tires

Page 4

WE OFFER VOLVO LOANERS! (See service advisor for details.)

#1 in Tulsa • All Makes & Models • Lifetime Guarantee

Fender Bender? We’ve Got You Covered!

VALUENEWS.COM COUPON

Timing Belt Replacement

Alignment with Rotate & Balance

50 OFF

Direct repair for most insurance companies!

We’ll do your claims exchange paperwork!

4111 S Memorial, Tulsa

8324 E 97th, Tulsa

(918) 526-2300

(918) 526-2370

www.billknightcollisionrepair.com

We Sell Brakes • Batteries • Tires

VALUENEWS.COM COUPON

4111 S Memorial, Tulsa

(918) 526-2503 Taxes, diesel vehicles and disposal fees extra. See Service Advisor for vehicle applications and details. Offer valid with coupon. Valid only at Volvo of Tulsa. Expires 3/31/13

We Sell Brakes • Batteries • Tires

109

4111 S Memorial, Tulsa

(918) 526-2503 Some vehicles slightly higher. See Service Advisor for vehicle applications and details. Offer valid with coupon. VALUENEWS.COM COUPON Valid only at Volvo of Tulsa. Expires 3/31/13

We Sell Brakes • Batteries • Tires

We Sell Brakes • Batteries•Tires

We Sell Brakes • Batteries • Tires

(918) 526-2503

www.ValueNews.com

March 2013

TULSA

Page 5

AA Local Classic Is Back Knotty Pine Barbeque reopened doors in Broken Arrow in November of last year. By Duane Blankenship If you lived in northeastern Oklahoma during the 50s, 60s, or 70s, when you hear the word barbeque the first name that most likely comes to mind is Knotty Pine. This institution established roots in Sand Springs in 1952 by founder Paul Woodard. The Knotty Pine first opened doors as a beer joint that served some barbeque. In 1962 Mr. Woodard decided he needed to change the image of the establishment and changed the name to Knotty Pine Barbeque. It became a premier barbeque restaurant that served some beer and met the community’s need for a place to sit down for some great food and fellowship. It was not uncommon “back in the day” to see the county sheriff, the mayor, or even the state governor at the Knotty Pine. It seemed that everybody went there during the years the restaurant was establishing itself as the local landmark, which would burn to the ground in May of 2010 due to a fire started by a faulty smoker. Knotty Pine Barbeque reopened its doors on November 5, 2012 at 1424 W. Kenosha, across the street from the Rhema

YES

Fitness Center in Broken Arrow. Owner Jim Rice said that the foundation of Knotty Pine’s success has always been its select, choice meat. “Paul Woodward insisted on buying the best beef and pork available, and it’s the principle we follow today at our restaurant in Broken Arrow.” Rice buys corn-fed beef from Arkansas and travels there personally to make periodic inspections to assure the quality stays at the highest level for his restaurant. “We were taught that to be successful, we must maintain our standards of great food and great employees,” Rice said. Nine of his 15 servers previously worked for Knotty Pine in the Sand Springs restaurant. Prices are very competitive, from the basic sandwich to full-order dinners. The Broken Arrow restaurant is decorated with lots of Harley Davidson memorabilia, and you never know who you’ll see there. “Come for the food, stay for the ambiance,” says Jim. “We’re famous for serving up the best of both.” Jim says he feels the menu and the food are better now than ever before, and his high-tech

smoker is near failsafe with dozens of devices that will shut down the system if ever a potential fire-causing problem is perceived. Longtime friends of Knotty Pine tell Jim that they believe his food is better than the original served back in the early days and that their mouths still water whenever they think about the Knotty Pine menu. Carrie Burr, whose husband is a Tulsa police officer, started working for Knotty Pine in Sand Springs 24 years ago. “Customers tell me all the time that this is the best barbeque they’ve ever eaten,” she said. One Oklahoma native who now resides in California notified Jim on Facebook that he was traveling back just to eat at Knotty Pine. The menu features beef, bologna, chicken, ham, hot links, pork, sausage, ribs, spare ribs, chopped brisket, sliced brisket, sandwiches, slaw, potato salad, beans, spuds, sides, salads, desserts, and catering for all events. If you savor barbeque with all the fixin’s, Knotty Pine has it. And the best part of eating there is that it’s delicious and guaranteed to fill your

Owner Jim Rice and server Carrie Burr have enjoyed long associations with Knotty Pine Barbeque. stomach without emptying your pocketbook. Knotty Pine Barbeque is open seven days a week from 11 a.m. to 9 p.m. Many of you already know owner Jim Rice. If you don’t, stop by and introduce yourself while you enjoy some of the best barbeque in Oklahoma.

Once you enter their doors, you’ll be hooked. For more information, contact

Knotty Pine Barbeque 1424 W. Kenosha Broken Arrow, OK

(918) 258-0005 www.ValueNews.com

Each entree is prepared with the FRESHEST, whole ingredients when you order. Cuz, we know no one likes food that’s been sitting in a steam tray all day!

CANS and NO SPAM - We cook like your GREAT GRANDMA!

YES

Everything we serve is WORTH THE WAIT. You wouldn’t scream at your Momma for taking time to cook fresh, delicious food, would ya?

Open 7 days a week! 1424 W. Kenosha, Broken Arrow • 918-258-0005

Page 6

March 2013

TULSA

www.ValueNews.com

Open: Mon-Fri 7-7 • Sat: 8-4!

Starting at

449

I-44 & Memorial (918) 622-1976

SAVE MORE AT

JimGloverChevy.com

Corner of 31st & Memorial - only 1 mile from B.A. Expy.

OIL CHANGE

plus$

• Top off fluids • Lube Oil & Filter • Up to 5 qts. of • Tire Rotation conventional 5W/30 oil • Multipoint Inspection

Cars & Light Trucks

Window Tint

(918) 622-1976 I-44 & Memorial

Stainless Steel

FREE 25 WE GUARANTEE (918) 622-1976 I-44 & Memorial Includes up to 5 qts oil and filter. Excludes synthetic & diesel oil. Must provide valid ID. One coupon per person, per household. Not valid with any other offers. No cash value. Coupon must be presented at time of service write-up. Expires 3/31/13. ValueNews.com Coupon

30-DAY TIRE PRICE MATCH ‡

GUARANTEE

Buy select tires and if you find a better price within 30 days of the purchase, we’ll refund the difference. See dealer for eligible tire brands.

FREE TOWING

Within 20 Mile Radius

(918) 622-1976 I-44 & Memorial

Local competitor’s ad/written estimate or Internet quote including freight charges for identical tire(s) required during guarantee period for price match. Expires 3/31/13. ValueNews.com Coupon

(918) 622-1976 I-44 & Memorial

‡

4995

Plus Tax

$ R O

TOWARDS ANY SERVICE OR REPAIR Receive one free oil change or $25 to use towards any service or repair on your actual birthday during March, 2013.

After $10 Mail-in Rebate

Plus tax & disposal fees. *More than five quarts of oil, balancing tires, and tax extra. Includes oil grade/specifications required by vehicle Owner’s Manual. $10 rebate is issued as a debit card. All rebates must be postmarked no later than 4/30/2013. Allow 6-8 weeks for delivery. Not valid with other offers. Expires 3/31/13. ValueNews.com Coupon

OIL CHANGE

Starting at

THE LOWEST PRICE

Bring us any published coupon or advertised special from any independent repair facility or dealer and we’ll beat it by

! d e 10 e t n a r Gua

Tube Steps Starting at

279

Audiovox 10.2” Overhead DVD Player 2 sets of wireless headphones and remote Installed

795

Some vehicles excluded, call for details and to set appointment FREE SERVICE LOANER WHILE WE DO THE WORK!

(918) 622-1976 I-44 & Memorial

Non-commercial only. Must present coupon at time of service. Expires 3/31/13. ValueNews.com Coupon

ACDelco DURASTOP BRAKE SERVICE ALIGNMENT SPECIAL

After $25 Mail-in Rebate

Includes ACDelco DuraStop ceramic brake pad replacement, rotor inspection, and caliper and master cylinder fluid level checks. (918) 622-1976 I-44 & Memorial

One coupon per person. $99.95 or less before rebate. $25 rebate is issued as a debit card. All rebates must be postmarked no later than 4/30/13. Allow 6-8 weeks for delivery. $25 consumer mail-in rebate applicable for both ACDelco DuraStop pads and installation and GM OEM pads and installation. See dealer for eligible vehicles and details. Not valid with other offers. Expires 3/31/13. ValueNews.com Coupon

2 Wheel Alignment

95 Plus Tax

Gooseneck Hitch

4 Wheel Alignment

B&W Turnover Ball Hitch

95 Plus Tax

(918) 622-1976 I-44 & Memorial

Starting at

595

*More than six quarts of oil, balancing tires, and tax extra. Includes oil grade/specifications required by vehicle Owner’s Manual. Not valid with other offers. Expires 3/31/13. ValueNews.com Coupon

Call Aaron for the Best Price! 918-730-2338

TIRES

WHEELS

ACCESSORIES

Keyless Entry Starting at

199

HITCHING & WIRING

LIFT KITS

Spray-in

Bedliners $

399

www.ValueNews.com

March 2013

TULSA

Page 7

EEaster Extravaganza The Rock Church’s annual Easter event for the community will be Saturday, March 23 at Union Intermediate High School from noon to 3 p.m. By Sheryl Sowell “Let the resurrection joy lift us from loneliness and weakness and despair to strength and beauty and happiness,” said Floyd W. Tomkins. Pastor Billy Joe Watts and The Rock Church will celebrate this joy with the entire community at their annual Easter Extravaganza on Saturday, March 23 from noon to 3 p.m. at Union Intermediate High School, 7616 S. Garnett. Their Easter service will be held

Easter Sunday, March 31 at The Rock Church. “This is a big celebration for the whole family, and everyone is invited,” says Pastor Billy Joe. “It’s a fun day with a lot of activities. We’ll have lots of games for the kids.” One of the highlights for the children is the Easter egg hunt, where the kids will search for hundreds of eggs filled with candy. Another highlight of the

The Easter Extravaganza features an egg hunt with hundreds of eggs for kids to scoop up.

event is the $500 Egg Toss at 2 p.m. This contest has no age limit and no cost to participate, and each member of the winning team will receive $250 cash. In addition to a medical station, The Rock Church will have a prayer station onsite. “We’ll be there for anyone who needs to come,” says Pastor Billy Joe. “We invite you to come – we’ll pray with you about anything that’s bothering you. We want to show you we love you and give you some spiritual support.” Pastor Billy Joe is excited to welcome special guest Kazi Owens to the Easter Extravaganza this year. Kazi’s passion is to share the love of God and bring unity to the body of Christ. He is from Houma, Louisiana by way of Los Angeles, California. Founder of Flow Zone, Inc., Kazi is a seasoned emcee, pastor, motivational speaker, poet and event planner. He graduated from the pastors group of Rhema Bible Training Center in May of 2010. He and his wife, Gervase, are youth pastors at Fathers House Church in Tulsa. With seven years experience in young adult/adult

Children will enjoy many fun activities at The Rock Church’s Easter Extravaganza. ministry, Kazi is excited for what God has in store for he and his wife. Their organization, Flow Zone, attempts to train students for a lifetime of success using a conference entitled “Culture Shock.” Culture Shock is reaching out to this generation through youth and young adult events. The Rock Church is a multiracial, diverse church with a strong, active body of members with the mission to serve God

and love people. The church holds worship services every Sunday at 10 a.m. at Union High School’s Performing Arts Center at 6636 S. Mingo. The first Sunday of every month is a Communion service. For more information, contact

The Rock Church (918) 694-7625 therockchurchtulsa@cox.net www.therockchurchtulsa.org www.ValueNews.com

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March 2013

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AA Tale Spun of Friendship Spotlight Children’s Theatre presents “Charlotte’s Web” March 1-3 and 8-10.

By Terry Grufik Spotlight Children’s Theatre will present “Charlotte’s Web” March 1-3 and 8-10 at the Spotlight Theater, 1381 Riverside Dr. in Tulsa. Performances will be at 7:30 p.m. on March 1 and March 8 and 2 p.m. on March 2, 3, 9 and 10.

“Charlotte’s Web,” by E.B. White, is the best-selling children’s book of all time and recently celebrated its 60th anniversary of publication in 2012. The Children’s Literature Association named “Charlotte’s Web” as “the best American children’s book of the past two

(L to R): Madeline Kassen (Fern Arable), Anna Myers (Charlotte), Heath Piersol (Avery Arable), and Jenna Davis (Wilbur).

hundred years.” The full-length play has been adapted for the stage by Joseph Robinette, who worked closely with E. B. White to create a thrilling theatrical presentation. “Charlotte’s Web” tells the heartwarming story of Wilbur, an irresistible and curious young pig who desperately wants to avoid the butcher and have a friend, including Fern, a girl who loves Wilbur and understands what animals say to each other, and most of all, Charlotte, the extraordinary spider who proves to be a true friend by the words she creates in her web to save Wilbur from the butcher block. The play teaches us the valuable life lessons of love, friendship, loyalty and sacrifice. The all-student cast of 22 features Anna Myers, 14, as Charlotte (home schooled, Tulsa), Jenna Davis, 10, as Wilbur (Eliot Elementary, Tulsa) and Madeline Kassen, 14, as Fern (Jenks Middle School). Students from Tulsa, Broken Arrow, Jenks, Owasso, Sand Springs, Bixby and Mannford are performing in the show.

(L to R): Anna Myers (Charlotte), Daniel Newberry (Templeton), and Jenna Davis (Wilbur). Terry Grufik directs the production. Tickets are $10 for adults, $9 for seniors and $8 for children under 12. For more information or ticket reservations, contact the Spotlight Theater at (918) 587-5030 or at www.spotlighttheater.org.

For more information, contact

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Page 9

SShopping for a Cause The Glenpool Spring Market will be held Saturday, March 2 from 10 a.m. to 4 p.m. at the Glenpool Conference Center, to benefit The Little Light House and other missions. By Sheryl Sowell Spring is blooming, and now is the time to stock up on gifts for upcoming graduations, weddings, baby showers and birthday parties. The Glenpool Spring Market, sponsored by King of Kings Lutheran Church, will feature artisans of handcrafted items and independent home-based businesses from all over the Tulsa metropolitan area. Visitors will enjoy shopping for handmade craft items, candles, jewelry, home-baked goods, and much more. Donations at the door (disinfectant wipes, Kleenex, or $1) will benefit The Little Light House in Tulsa. All profits will support local, national and international missions. The Spring Market will be held at the Glenpool Conference Center on Saturday, March 2 from 10 a.m. to 4 p.m. The Conference Center is located at 12205 S. Yukon Ave. (Exit Highway 75 at 121st Street, go west about a half mile and turn south onto Yukon.) A total of 60 vendors will be selling a huge variety of items, including Miche Bags and

accessories, Avon products, kitchenware from The Pampered Chef, health supplements and skinny wraps from It Works, Stella & Dot Jewelry, Birdhouses by Mark, onesies and hats for newborns by Netherton, marinades and sauces from Spanish Jack’s Fine Foods, Scentsy products, and a lot more. In addition, King of Kings Lutheran Church members will have a booth of delectable home-baked goods for purchase. Servants of the King, the Lutheran Women’s Missionary League (LWML) of King of Kings Lutheran Church, host the Spring Market each year. “This is our third year at the Glenpool Conference Center, and we are so grateful that the expanded space has allowed our market to grow and offer more support for missions,” said President Vicki Wing. In the past, the group has supported Joplin tornado relief, King of Kings’ annual live nativity, Freedom House, Meals on Wheels, Glenpool Outreach Center, and missions in Africa. “This year we are thrilled to

be supporting an amazing nonprofit Christian organization that relies solely on donations, The Little Light House,” said Pat Bartley, LWML secretary. According to their website, the mission of The Little Light House is to glorify God by improving the quality of life for children with special needs, their families, and their communities. They offer tuition-free services to children with special needs up to 6 years old. Their yearround program provides highly individualized educational and therapeutic services which include physical therapy, speech therapy, occupational therapy, assistive technology, low vision therapy, nursing, and special education. For more information, visit www.littlelighthouse.org. Net profits of the Spring Market will be supplemented by Thrivent Financial, a faith-based membership organization that strives to help members act wisely with money and inspires them to live generously. Visitors are always welcome

Members of Servants of the King Lutheran Women’s Missionary League check out food mixes and sauces from Tastefully Simple. (L to R): Lori Knoepfel (behind the table), Pat Bartley, Krystine Gibson, and Vicki Wing. to King of Kings Lutheran Church at 14023 S. Casper St. in Glenpool on Sundays. Worship service with Pastor Rick Tabisz is at 9 a.m. and Sunday school is at 10:30. Make plans for a great day of shopping at the Glenpool Spring Market on Saturday, March 2 from 10 a.m. to 4 p.m., and don’t forget to bring a donation of disinfectant wipes,

Kleenex, or $1 to help support The Little Light House.

For more information, contact

King of Kings Lutheran Church (918) 291-2005 info@kingofkingsok.org www.kingofkingsok.org www.ValueNews.com

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BBeautiful Living

Don’t miss the Rogers County Home, Garden, Farm & Ranch Show at Claremore Expo Center March 22-24.

By Lorrie Ward It started out over 15 years ago in the old Claremore Armory on the corner of Patti Page and Lynn Riggs Boulevards. But while that armory is no longer in existence, the show must go on – the Rogers County Home, Garden, Farm & Ranch Show, that is. The event is scheduled to run from noon to 8 p.m. on Friday, March 22, from 10 a.m. to 8 p.m. on Saturday, March 23, and from 10 a.m. to 5 p.m. on Sunday, March 24. It will once again be held at the Claremore Expo Center, where it has grown to be one of the location’s largest annual events. Kathy Geyer of OklaHomes Realty and current president of Northeastern Oklahoma Real Estate Network (NOREN) and Brett Knapp of Brett Knapp Quality Homebuilders and former president of Rogers County Builders Association are serving as co-chairs for the 2013 show. “We would like to take this opportunity to invite everyone to come out to the Rogers County Home, Garden, Farm & Ranch Show,” says Kathy, “where they can enjoy the weekend, visiting and learning from master gardeners and many

other vendors.” The show has something for everyone and will host numerous exhibits relating to new homes, remodeling and other home improvement projects, farming, ranching, and gardening. On Saturday and Sunday, the Oklahoma Mower Association will hold Lawn Mower Demolitions and Lawn Mower Drag Racing at the expo’s outdoor oval track. To learn more about these fun spectator events, find the Oklahoma Mower Association on Facebook. Since food is an integral part of any home and garden, there will be plenty of tasty things to sample at this year’s show. Bill Baird of Claremore’s The Hammett House will coordinate guest chefs for the show, and the Happy Smoker Barbecue will be there, featuring all types of barbecue. For the kids, there will be a 30 by 60 foot slide inflatable dragon, sponsored by Pixley Lumber Company, and plenty of interactive events hosted by the Master Gardeners Association of Rogers County (MGARC). Both Kathy and Brett report that they are happy to join forces with

John Haase, Kathy Geyer and Brett Knapp team up to kick off this year’s Rogers County Home, Garden, Farm & Ranch Show. John Haase and the OSU Extension of MGARC, who will help coordinate the event. The MGARC will host several seminars by master gardeners relating to vegetable gardening, soil testing, and other garden-related issues. John Haase reports that in light of recent weather patterns, this year will feature great concentration on low-maintenance landscaping, low water

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usage (also called xeriscaping), and drought-resistant plants. In the spirit of this theme, the first 500 attendees will receive a free Arizona Cypress tree seedling. “This is an Oklahoma proven plant from OSU research,” says John. “It’s a good, low-maintenance, drought and disease resistant evergreen. It originated in Arizona, but it grows great here.”

With so much to see and learn, it is no wonder that organizers anticipate this year’s show to be bigger and better than ever, expecting over 140 booths to fill the spacious Claremore Expo. “This is one of Claremore’s premiere events for all ages and has been for many years,” says Brett Knapp. “We look forward to another informative and entertaining show.” Major corporate sponsors for this year’s show include Metro Appliances and More and Champion Windows, and the show is produced by NOREN and the Rogers County Builders Association. Other sponsors include Brett Knapp Quality Homebuilders and OklaHomes Realty. For more information, visit www.TheRogersCountyHome andGardenShow.com or contact the RCBA at 918-343-1911. For more information, contact

The Rogers County Home & Garden Farm & Ranch Show (918) 343-1911 www.TheRogersCountyHomeandGardenShow.com www.ValueNews.com

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SSpring Brings Swarming Termites Mother Nature’s Pest Control recommends the Sentricon HD System in the battle against termites. By Duane Blankenship It’s that time of year, so don’t be surprised when you see pesky termites swarming. These pests usually appear during the month of April and are a “red flag” that termites are in your area. They have also been known to swarm into the month of May in our area.

Mother Nature’s Pest Control is still the number one Sentricon installation and monitoring company in the state of Oklahoma, and they’ve been eliminating termites since 1979. In a recent visit with Mother Nature’s spokesperson Shelia Disler, she revealed some

Shelia Disler demonstrates the new HD Always-Baited Sentricon Trap that works like a “magic bullet” in eliminating termite colonies.

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interesting facts about termites. They are born for one mission: to eat, and this they do from birth until death. Termites inflict serious damage to homes in short order, and queens commonly live for 25 years and up to as many as 50 years. “There is an average of five termite colonies per acre in our area,” said Sheila. Thousands of termites will swarm from these colonies each year, typically during daylight hours when it’s sunny and usually just after a rain. Every swarming termite is a potential king or queen, and the purpose of their swarming is for pairs to mate and return to the ground to form new colonies, where they immediately begin to reproduce. Although only three percent of the “swarmers” find mates, that’s still a lot of termites – and potential new colonies. Those that do not find mates die in just a few hours. The original Sentricon System appeared in Oklahoma in 1995 when it gained state approval. It has been recognized as one of the best solutions to eliminating existing termite colonies and preventing future infestations. A couple of years ago

Sentricon introduced its new HD Always-Baited System that may be the greatest improvement ever made in the fight against termites. “With the new HD System, you get two and a half times the punch you had with the original system,” said Shelia. “The rosin based cellulose and bait repels moisture while it provides protection. This is the foundation of the new HD System.” Since termites are always foraging, they are attracted to the bait and carry it back to underground colonies to be regurgitated, where it is then eaten by other members of the colony, in the very heart of where they live. As more and more bait is consumed, activity becomes less and less until the entire colony is eliminated. The Sentricon termite elimination system is eco-friendly and provides great peace of mind as it protects your home from termites. Take Mother Nature’s experienced advice. Check their website or call direct for more information on the new Sentricon HD System, even if you already have the original Sentricon System. Shelia says it’s good to

periodically place some glue boards in dark areas of your home that are frequent havens for brown recluse (fiddle back) or black widow spiders. Good areas to set the traps are clothes closets, heater and hot water closets, and attics. And when you’re doing your spring gardening and planting, be sure to wear gloves and shoes. Both of these spiders love flowerbeds and areas where they can hide. You don’t want to be bitten by either. Mother Nature’s also provides total pest control for rats, squirrels, opossums, raccoons, armadillos, pigeons, skunks and more. If any of these pests have invaded your home or yard, contact Mother Nature’s Pest Control for a free estimate to trap and have them removed from your property. In addition, the company provides lawn care services including weed control, fertilization, aeration, and flea and tick removal. One of their most popular services is their Energy Star rated “Pest Free” attic insulation. For year-round protection from termites and other pests, depend on Mother Nature’s Pest Control. Call or visit the website for more details on all their provided services and the benefits of each. For more information, contact

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RRelief After 30 Years of Knee Pain Gary Raleigh suffered knee problems for many years before his successful knee replacement surgery with Dr. LaButti. By Joshua Danker-Dake Gary Raleigh, of Owasso, turned to Dr. Ronald LaButti after decades of problems with his right knee. “I’ve had so many injuries to my knee,” says Gary. “The first was in 1976, and then 1985, 1987, 1988, 1990, 2000, all the way up to 2012. I had severe degenerative joint disease in my knee. I’d had knee surgery, and I’d tried injections, braces, activity restrictions, and medications, but I still had problems.” Gary then went to Dr. LaButti. “I knew Dr. LaButti

when he was doing his medical residency, and he was an excellent surgeon even then,” says Gary, a nurse practitioner by trade. “When he completed his total joint fellowship and I saw how well all of his patients were doing, I just knew he was the one that could help me.” In August of 2012, Gary had total knee replacement surgery with Dr. LaButti. “I had a fantastic experience with him,” Gary says. “My recovery was rough, but that was expected. I went home on a walker. After a

week, I progressed to a cane, and ten days after that, I was able to get around without it. I did four weeks of physical therapy, which included time on the bicycle, walking, wall squats, and resistance band exercises, plus lots of massage.” Gary is now better able to enjoy his hobbies, which include hunting, fishing, and traveling. “I have a little stiffness in the mornings, but it’s absolutely nothing compared to the pain I used to have,” Gary says. “I would absolutely recommend Dr. LaButti – five stars,” says Gary. “His ability and desire to do an excellent job are beyond anything I have ever seen. I would recommend him to anyone who really wants the best of the best for their surgery.” For more information on Dr. LaButti or knee or hip replacement surgery, visit www.hipandkneedoc.com. For more information, contact

Dr. Ronald S. LaButti 6585 S. Yale, Ste. 200 Tulsa, OK 74136

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BBeautiful Lawns Don’t Happen By Chance SoonerLawn Weed Control & Fertilization provides excellent results, great customer service and low prices.

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Call SoonerLawn for a healthy, green, flourishing lawn. Michael explains that their six-step program will give you a greener, healthier lawn, and now is the perfect time to get started. Step one, best completed in early spring, is an application of pre-emergent herbicide for crabgrass control. Steps two through five involve applying post-emergent herbicides plus fertilizer, and are done in the spring and summer. The final step, winterized weed control to keep your yard looking great in the winter,

is completed in the fall. SoonerLawn is licensed and insured and provides a variety of services for both residential and commercial customers, including weed control, fertilization, aeration, perimeter control, insecticides, mole control, turf disease control, fescue seeding, and flower bed fertilization. They also offer suggestions to the home or business owner on related issues such as proper watering and mowing.

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Dr. Saint is considered a regional authority in Urologic oncology and complex urinary tract reconstruction and has served as a moderator on these topics at the South Central Section meeting of the American Urological Association. He performed the first bladder replacement procedure in the state of Oklahoma in 1992 following the removal of the bladder for cancer and remains the most experienced surgeon in the state in this and other complex reconstruction of the urinary tract in adults.

Tulsa Urology RICHARD B. SAINT M.D., F.A.C.S.

800 WEST BOISE CIRCLE, Suite 210 BROKEN ARROW, OK 74012

918.872.9611 • www.saint.pro

Page 14

March 2013

TULSA

www.ValueNews.com 1/2 HP Garage Door Opener

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March 2013

Page 15

TULSA

HHealth Care Reform – Pay or Play? The Holmes Organisation will present a free seminar on April 3 to discuss with business owners the most current updates to the health care reform legislation.

By Sheryl Sowell The Holmes Organisation will present a free seminar, “Health Care Reform – Pay or Play?” on Wednesday, April 3 from 9 a.m. to 1 p.m. The seminar will be presented by Jan Dumont of Riggs, Abney, Neal, Turpen, Orbison & Lewis, Inc. In 2014, the Patient Protection and Affordable Care Act (PPACA), often referred to as Obamacare or the federal health care law, will go into effect, requiring companies that employ 50 or more full-time employees to provide health insurance coverage, send employees to an online exchange, or potentially pay a penalty of $2,000 per employee per year. How will this act affect business owners and their employees? Jan Dumont will present the most current updates to the health care reform legislation, including key action steps for employers to help analyze and strategically plan to avoid pay or play penalty taxes. “With the health care reform kicking in next year, many business owners that currently do not offer their employees health insurance are unsure of what steps to take to

avoid paying penalty taxes. This seminar is targeted to employers of companies with 50 or more employees to help them navigate the changes in legislation and avoid being penalized,” says Mike Ziegenhorn, insurance

agent and broker for The Holmes Organisation. The decision many company owners will face is whether or not they should extend coverage to all employees or choose not to provide coverage and pay the

Attorney Jan Dumont of Riggs, Abney, Neal, Turpen, Orbison & Lewis will lead the “Health Care Reform – Pay or Play?” seminar.

penalty taxes. Businesses must consider how their decision will impact their employees, as well as predict how many employees would be eligible for subsidies offered through an exchange. Jan Dumont will help explain these concerns and more at the seminar. Jan practices primarily in the areas of employee benefits and employment law. She represents both public and private employers, insurance companies, third-party administrators, health care providers, and insurance agents and brokers, with an emphasis on employee welfare benefit plans. Dumont has over 30 years of industry experience in the field of employee benefits, including more than two years’ experience as senior manager of the Deloitte & Touche Oklahoma Benefits Practice and 12 years as a consultant, contract compliance manager, and marketing account executive for Blue Cross and Blue Shield of Oklahoma. She is a registered health underwriter, a member of the National, Oklahoma and Oklahoma City Associations of Health Underwriters, a former member of the Board of

Directors of the Tulsa and Oklahoma City Associations of Health Underwriters, and a former Steering committee member of the Tulsa Employee Benefits Group. Bringing clients up to date with information and education is what The Holmes Organisation is all about. “We value our customers, and we want to make sure they are continually educated on current legislative and regulative updates,” said Ziegenhorn. For more information or to register for the “Health Care Reform – Pay or Play?” seminar, contact Cindy Davidson at cdavidson@theholmesorg.com or (918) 359-6141. The free event will be held April 3 from 9 a.m. to 1 p.m., and lunch will be provided.

For more information, contact

The Holmes Organisation 1350 S. Boulder Ave., #1000 Tulsa, OK 74119

(918) 359-6141 www.theholmesorg.com www.ValueNews.com

HEALTH CARE REFORM

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• Superior Product Knowledge • Exclusive Product Lines • Rigorous Quality Testing

To register, contact Cindy Davidson - (918) 359-6141 cdavidson@theholmesorg.com

30% OFF One regular price item. Valid only at: Tulsa 8115 E.71st St. 71st and Memorial 918-728-8381

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Tulsa Hills 7335 S. Olympia Ave. W Hwy. 75 and 71st 918-447-1555 Broken Arrow 1332 E. Hillside Dr. BA Expy. & Lynn Ln. 918-355-0245 Owasso Hwy 169 & 96th St Smith Farm Shopping Ctr. 918-274-4345

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Page 16

March 2013

TULSA

www.ValueNews.com

What’s Happening MARCH EVENTS March 1-3, 7-10 “A Funny Thing Happened on the Way to the Forum” VanTrease PACE TCC Southeast Campus 81st & Hwy 169, Tulsa (918) 595-7777 www.tulsacc.edu Mar. 1-3, 8-10 “Charlotte’s Web” Spotlight Children’s Theatre 1381 Riverside Dr., Tulsa 918-587-5030 www.spotlighttheater.org Mar. 1-10 “Hairspray” Tulsa Convention Center www.tulsaconvention.com Mar. 2 Glenpool Spring Market 10 a.m. – 4 p.m. Glenpool Conference Center 12205 S. Yukon Ave. 918-291-2005 Mar. 2 “He Said She Said” Rita Rudner & Paul Reiser Osage Casino Event Center www.osagecasinos.com Mar. 2-3 Post Oak Challenge Trail Run Event www.postoakrun.com Mar. 3 “Monty Python’s Spamalot” Broken Arrow Performing Arts Center 701 S. Main St., Broken Arrow 918-259-5778 www.thepacba.com Mar. 5-10 “Peter Pan” Tulsa Performing Arts Center www.tulsapac.com Mar. 7 Golden Gala Benefits Crossroads Clubhouse $50 per ticket 6 – 10 p.m. IDL Ballroom 230 E. 1st St., Tulsa 918-749-2141 www.crossroadsok.org Mar. 8 Darius Rucker The Joint Hard Rock Casino Tulsa www.hardrockcasinotulsa.com Mar. 9 Band on the Run 5K Pope Athletic Complex Sequoyah Public Schools, Claremore www.bandontherun5k.com

Mar. 9 24-Hour Play Festival 7:30 pm Tulsa Performing Arts Center www.tulsapac.com Mar. 9 A Celebration of Helping Others: Dancing With The Stars $20 General Admission 7 p.m. Robson Performing Arts Center 101 E. Stuart Roosa, Claremore www.claremorepac.org Mar. 9 Second Saturdays at Philbrook Free Admission 10 a.m. – 4 p.m. Philbrook Museum, Tulsa www.philbrook.org Mar. 9-10 Made in Oklahoma Festival Persimmon Hollow Village 6927 S. 115th E. Ave., Broken Arrow 918-408-5082 www.persimmonhollowvillage.com Mar. 11 TCC Orchestra, Concert Band & Choir 7 p.m. General Admission is Free VanTrease PACE TCC SE Campus 81st & Hwy 169, Tulsa www.tulsacc.edu

SPEND . . . . . . . . .SAVE

50-$9999 $100-$19999 $200-$29999 $300-$39999 $400 and up $

10 $20 $30 $40 $50 $

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Only good on non-advertised services with coupon.

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Service Direct: 918-877-2188 6868 E. BA Frontage Rd. Tulsa, OK

Mar. 14 Keeping ’em in the Green Benefits Meals on Wheels Metro Tulsa 6:30 – 10 p.m. John Rucker Warehouse 1227 S. Detroit Ave., Tulsa www.mowinthegreen.org Mar. 14 Red Cross Rescue Gala 6 – 9 p.m. Tulsa Convention Center 918-831-1207 www.redcross.org

Valid with coupon only. Please present coupon at time of write-up. Not valid with any other coupon, offer, or advertised special. Toyotas only. Valid only at Fowler Service Direct: 918-877-2188 Toyota of Tulsa. Offer expires 3/31/13. 6868 E. BA Frontage Rd. Tulsa, OK ValueNews.com Coupon

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Mar. 12 FFA Calf Fry & Student Auction $10 for adults, $5 for children Claremore Expo Center 400 Veterans Pkwy, Claremore Mar. 12 TCC Show Choir, Jazz Combo & Jazz Band General Admission is Free 7 p.m. VanTrease PACE TCC SE Campus 81st & Hwy 169, Tulsa www.tulsacc.edu

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March 2013

TULSA

Page 17

What’s Happening MARCH EVENTS Mar. 14-17 Tulsa International Auto Show Expo Square, QuikTrip Center 918-742-2626 www.exposquare.com Mar. 15-16 “An Innocent Man – The Music of Billy Joel” Presented by Signature Pops VanTrease PACE TCC SE Campus 81st & Hwy 169, Tulsa www.tulsacc.edu Mar. 15-17 “Oliver!” Tulsa Performing Arts Center www.tulsapac.com

Measurement of wheel angles to ensure that they are perpendicular to the ground and parallel to each other. Normal wear from road conditions can alter the alignment settings from vehicle manufacturer’s specifications. A vehicle out of alignment increases the rate of tire wear. Service Direct: 918-877-2188 6868 E. BA Frontage Rd. Tulsa, OK

• Up to 5 quarts of oil • GENUINE TOYOTA oil filter • Check all fluid levels Plus tax, hazardous waste fees and shop supplies. Some models and full synthetic oil higher. Please present coupon at time of write-up. Not valid with any other coupon, offer, or advertised special. Toyotas only. Valid only at Fowler Toyota of Tulsa. Offer expires 3/31/13. ValueNews.com Coupon

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• Fuel induction cleaning service • Replace engine air filter with a new Toyota filter • Oil & Filter change • Inspect tires & set tire pressure Plus tax, hazardous waste fees and shop supplies. Some models and full synthetic oil higher. Please present coupon at time of write-up. Not valid with any other coupon, offer, or advertised special. Toyotas only. Valid only at Fowler Toyota of Tulsa. Service Direct: 918-877-2188 6868 E. BA Frontage Rd. Tulsa, OK Offer expires 3/31/13. ValueNews.com Coupon

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Mar. 16 “Violet” Presented by Tulsa Symphony 7:30 p.m. Tulsa Performing Arts Center www.tulsapac.com Mar. 17 Quartetto Di Cremona Presented by: Chamber Music Tulsa Tulsa Performing Arts Center www.tulsapac.com Mar. 19 Dual Pianos Ragtime Tulsa Performing Arts Center www.tulsapac.com

SERVICE AND PARTS HOURS: MON - FRI: 7 A - 7 P SATURDAY: 8 A - 5:30 P

All New 2013

Mar. 16 St. Patrick’s Day 5K Run 8:30 a.m. – 12 p.m. Brookside, Tulsa 918-481-1234 www.sook.org

7500* /DAY

Mar. 19 BRIDGE Networking Event (Building Resources In Developing & Growing Enterprises) 9 a.m. – 4 p.m. Tulsa Convention Center 918-596-7818 www.cityoftulsa.org/bridge.aspx Mar. 22-24 Home, Garden, Farm & Ranch Show Claremore Expo Center www.therogerscountyhomeandgardenshow.com Mar. 23 Race for the Well Events: 10K, 5K, 1M fun run www.facebook.com/RacefortheWell Mar. 23 “Step Afrika!” Tulsa Performing Arts Center www.tulsapac.com

Mar. 23 Jim Gaffigan Brady Theater, Tulsa www.bradytheater.com Mar. 23 Living with Diabetes 7:30a.m.-12 p.m. Tulsa Marriott Southern Hills 1902 E. 71st St., Tulsa 918-492-3839, ext. 6037 www.diabetes.org/tulsalwd Mar. 26 TCC Community Band & Orchestra General Admission is Free 7:30pm VanTrease PACE TCC SE Campus 81st & Hwy 169, Tulsa www.tulsacc.edu Mar. 27-28 Annual Jazz Festival VanTrease PACE TCC SE Campus 81st & Hwy 169, Tulsa www.tulsacc.edu Mar. 28-29 Abersons & Friends Warehouse Sale Family & Children’s Services Central Office 650 South Peoria, Tulsa 918-560-1115 www.fcsok.org Mar. 30 Carnivale 2013 – Forbidden Garden Benefits Mental Health Assoc. Tulsa Convention Center www.bestpartyintown.org Mar. 30 Kix Brooks 7 p.m. Osage Casino Event Center, Tulsa www.osagecasinos.com Mar. 30 Annie Ellicott & Friends Broken Arrow PAC 701 S. Main St., Broken Arrow www.thepacba.com Mar. 30 Jay Leno The Joint Hard Rock Casino Tulsa www.hardrockcasinotulsa.com Mar. 30-31 All Breed Dog Show Claremore Expo Center www.claremorekennelclub.com

Page 18

March 2013

TULSA

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March 2013

Page 19

TULSA

INTRODUCING Finally, an alternative to plastic surgery that is highly effective with no downtime! · Utilizes ultrasound to lift, tone and tighten skin. · FDA approved for lifting and tightening the face and neck. · Targets the deep foundation below the skin (which is typically addressed in cosmetic surgery) without cutting or disrupting the skin’s surface. · Just one treatment initiates the lifting process and the effect builds gradually over 2-3 months.

Ultherapy is a compelling option for people with mild to moderate skin laxity as well as those wanting to "stay ahead of the game" or those looking to prolong the effects of cosmetic surgery.

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4700 South Memorial - Tulsa 918-663-4700 • 800-636-4006 www.MarcMillerBuickGMC.com

EVERYDAY VALUE: 30-DAY Tire Price Match Guarantee* MARCH BIRTHDAY SPECIAL!

FREE OIL CHANGE

Receive one FREE oil change on your actual birthday during March!

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After $10 Mail-In Rebate

4700 South Memorial, Tulsa 918-663-4700 • 800-636-4006

4700 South Memorial, Tulsa 918-663-4700 • 800-636-4006 Includes up to 5 qts of 5W30 conventional oil only. GM Vehicles only. Must provide valid ID. One coupon per person, per household. Not valid with any other offers. No cash value. Coupon must be presented at time of service write-up. Expires 3/31/13. ValueNews.com Coupon

*see us for details

Plus tax & disposal fees. *Up to 5 Qts of conventional oil, other weights and grades as called for by manufacturer are extra. See dealer for eligible vehicles and details. $10 rebate is issued as a debit card. All rebates must be postmarked no later than 4/30/2013. Allow 6-8 weeks for delivery. Not valid with other offers. Expires 3/31/13. ValueNews.com Coupon

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† One coupon per person. $99.95 or less before rebate. $25 rebate is issued as a debit card. All rebates must be postmarked no later than 4/30/2013. Allow 6-8 weeks for delivery. $25 consumer mail-in rebate applicable for both ACDelco DuraStop pads and installation and GM OEM pads and installation. See dealer for details. Expires 3/31/2013. ValueNews.com Coupon

Page 20

March 2013

TULSA

www.ValueNews.com

NEED AFFORDABLE HEALTH CARE? GRASSROOTS HEALTHCARE:

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This price includes the physician's examination, female pap, liver functions, anemia panel, electrolytes, kidney functions, full cholesterol panel, thyroid, and urinalysis, and prostate bloodwork for males.

NEW PATIENT FEE . . . . . . . . . . . . . $20 We also offer discounted lab work Complete Blood Count . . . . . . . . . . . $20 ($35 + elsewhere) Strep Test . . . . . . . . . . . . . . . . . . . . . . $15 ($35 + elsewhere) Cholesterol Lipid Panel . . . . . . . . . . .$20 ($30 + elsewhere) Call for details.

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Monday-Friday 8:30-5:00 Closed 11:30-12:30 for lunch Closed Saturday & Sunday Hablamos Espanol

6530 E. 91st Street, Tulsa, OK 74133 (918) 878-7733 • Fax (918) 878-7736 www.GrassRootsTulsa.com

Dr. Melita Tate and Nurse Practioner, Monica Winford Dr. Tate is Board Certified in Internal Medicine and Pediatrics.

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March 2013

TULSA

Page 21

GET YOUR MONEY’S WORTH

FROM YOUR TAX $$$ THIS YEAR! WE HAVE HUNDREDS OF UNITS WEEKLY, WITH MANY BELOW WHOLE SALE PRICES! Hablamos Espanol

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Our bilingual staff members are available in the office and the sales barn to assist our Spanish speaking customers. Our website also offers tutorials on how to purchase a vehicle in Spanish.

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GO TO OUR WEBSITE AND WATCH THE “HOW TO” VIDEO TO SEE HOW EASY IT IS! 8544 E. Admiral Place, Tulsa OK 74115 • Just East of Memorial on Admiral

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Page 22

TULSA

March 2013

www.ValueNews.com

15285 S. Memorial Dr. • Bixby, OK 74008 www.twistedsoulsisters.com • 918.943.3246

Hours: Tue - Sat 10-6 Open Thursday until 8!

MARCH MADNE S S HUGE Clearance on our WINTER MERCHANDISE

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• Change engine oil (limit 5qts) • Free Multi-Point inspection • New oil filter • Check fluid levels

plus tax & shop supplies

• Adjust tire pressure • Diesels not included • Full synthetic extra

BUICK

BUY 4 DUNLOP OR FIRESTONE TIRES, GET A $40 MAIL-IN REBATE

Valid only at 96th & Memorial 9607 S. Memorial Drive, Tulsa 918-526-2345 Offer not valid on tires. Cannot be combined with any other offer. Offer valid only with coupon. Must present coupon at time of service. Expires 4/15/13 • ValueNews.com Coupon

BMW

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March 2013

TULSA

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AVB Bank Announces New President and CEO will be able to enhance our ability to serve, connect, and succeed with our customers and the communities we serve.” Cundiff has over 20 years of banking experience, with previous management experience related to commercial lending, cash management and commercial client services, wealth management, and retail branch operations and call center banking. Cundiff made his move to AVB Bank in 2012 after

serving for 13 years as president of SpiritBank. “AVB Bank has been building a solid foundation with the people and businesses of Broken Arrow for over a century. I’m proud to join this dynamic team and be part of the future growth and development of our bank and city,” said Cundiff. Several local boards and organizations currently benefit from Cundiff’s business acumen, including: Oklahoma Council for

Economic Education, Broken Arrow Economic Development Corporation, Oklahoma State University Technology Business Development Program, StartUp Cup Business Model Competition, and Tulsa Community College (TCC) LAUNCH Program. Being previously recognized as a State of Oklahoma Financial Services Champion by the Small Business Administration is just one of the many honors bestowed

continued from page 1

upon Cundiff during his career. He is a graduate of both Leadership Tulsa, Class 34, and Leadership Oklahoma, Class XXI. An Oklahoma State University graduate, Cundiff holds a bachelor of arts degree in marketing, with an emphasis in management. He earned a master of business administration from Oklahoma City University. Cundiff and his wife, Latonya, are proud to call Broken

Exceeding Expectations equipment, convenience, comfort, and detail to protecting the environment.” Jeff says customers are sure to be impressed by the new lounge area. “We have a hard time getting our customers to leave the lounge after their vehicles have been repaired,” he laughed. “But that’s okay. We want them to feel right at home when they visit.” Fowler is now fully open for business with no more construction woes, and employees and customers are appreciating the beautiful new automotive dealership and their provided services. Fowler Chevrolet’s on-site service department employs GM-trained certified service technicians equipped with all the knowledge and tools required to keep your vehicle in top-running condition for many years to come. They provide all services, from routine oil changes to detailed collision repairs. Be sure to check the Fowler Chevrolet website for featured daily specials. You’ll find Fowler’s fully-stocked parts department handy when you require genuine OEM parts or need assistance locating a hard-to-find part. There’s always an expert behind the counter to assist you. Fowler Chevrolet is a proud sponsor of Turn Tulsa Pink. The mission of this program is to bring to light the local charities that offer services and support to all people affected by cancer in our communities. They believe charity begins at home, and Turn Tulsa Pink is a focused act of kindness and love for all people in our community battling any type of cancer. To promote Fowler’s participation in the

Arrow home. Founded in Broken Arrow, Oklahoma, in 1905, AVB Bank is a fourth-generation family-owned community bank with locations in Tulsa and Broken Arrow. For more information, contact

AVB Bank (918) 251-9611 www.bankavb.com www.ValueNews.com

continued from page 1

program, all service advisors wear pink shirts each Tuesday, and sales personnel wear their Turn Tulsa Pink shirts each Saturday. As part of the Turn Tulsa Pink campaign, Fowler Chevrolet will be giving away a Chevy Spark vehicle. You can get details at the dealership or the website. You’ll see both familiar and new faces when you visit the newly remodeled Fowler Chevrolet. You’ll also see a lineup of great vehicles with some exciting new changes for 2014 being introduced later in the year. But the main thing you’ll find is a dealership that is giving customers what they want and expect from a first-class automotive dealership. Look them over and see if they don’t exceed your every expectation. Sales hours are Monday through Saturday from 8 a.m. to 9 p.m. Service and parts hours are Monday through Friday from 7 a.m. to 6 p.m. and Saturday from 8 a.m. to 4 p.m.

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Could Your Old Driveway Use Some Curb Appeal? sore” leading up to your garage, while greatly improving the curb appeal. LCI Concrete is in business to remove driveways, patios, and other concrete flatwork that is showing signs of damage for one reason or another. They then replace the damaged concrete with the finest concrete and strengthening materials available. Kalan Paul is the owner of LCI Concrete and has more than 20 years of experience in his chosen field, serving both commercial and residential customers. His company has specialized in the pouring and scoring of concrete driveways,

patios and most other flatwork including sidewalks. Kalan attended Northeastern State University, and he and his wife, Aimee, reside in Broken Arrow. LCI is fully insured and is a member in good standing with both the Broken Arrow and Tulsa chambers of commerce. “We have but one goal,” said Kalan, “and that is to make every customer proud of their new LCI concrete product that will serve them well for years and years to come.” When one approaches your property, their first image is influenced by the driveway. If it’s unsightly with corrosion and flaking, it’s not going to make a

good impression. Kalan says concrete is durable, and when the soil and concrete are properly prepared and poured, you can expect it to last for at least 20 to 30 years. And you will rest easy knowing that LCI has the knowledge to do the job right each time. Replacing a damaged driveway is not inexpensive, but with its expected lifespan it might be a good investment and add value to your home. Concrete brightens up the areas around our homes and businesses at night. It is also an environmentally-friendly product because it is composed of renewable resources that can be recycled into granular fill or

concrete aggregate. The average driveway takes about two days to break out, remove, prep, pour, and score. LCI first lays 3/8-inch rebar on industry recommended 2-foot grid patterns after the subsurface has been properly and professionally prepared. Using industry standards of 3500 psi, LCI then pours and finishes the concrete. These standards are incorporated into every job they do. Concrete cures quicker during the hot days of summer, and you may drive on it in seven days. If it is poured in the fall or spring, you should allow about ten days before driving on it. Here’s a great

continued from page 1 tip from Kalan: “Do your concrete driveway and yourself a favor by using only clean sand on winter ice or snow covering it. Your driveway will last much longer.” Add curb appeal to your home by replacing your ugly, pitted, corroding driveway. Call Kalan at LCI Concrete for a free estimate. For more information, contact

LCI Concrete (918) 960-1440 info@lcitulsa.com www.lcitulsa.com www.ValueNews.com

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March 2013

TULSA

Page 25

LLadies Day Out The Ladies Lifestyle Extravaganza on Saturday, April 6 at Claremore Expo Center will feature shopping, cash giveaways, seminars, a fashion show, and much more. By Dell Davis The eighth annual women’s show, “Ladies Lifestyle Extravaganza,” is scheduled for Saturday, April 6 at the Claremore Expo Center. This year’s event will feature a full day of activities for ladies of all ages. The Ladies Lifestyle Extravaganza is a day-long event featuring seminar topics that are sure to inform and educate. One of the highlighted panels for the day includes a breakfast seminar that will focus on breast health. Breakfast will be served compliments of Hillcrest Hospital Claremore for the first 100 ladies attending at 9 a.m. with the seminar scheduled for 9:30. Other seminars will concentrate on the importance of heart health, general wellness, and financial security for ladies of all ages. The first 1,000 ladies attending will receive an ecofriendly shopping bag compliments of the Oklahoma Heart Institute. In addition, all attendees will receive a registration for the opportunity to win Ladies Lifestyle cash and

gifts throughout the day. Back by popular demand is the Lifestyle Fashion Show. Models of all ages will be wearing the latest spring fashions. According to Cari and Susan of Nesting Necessities, “We are excited to be involved with this year’s fashion experience. We are going to showcase a great number of our unique Claremore boutiques and our area clothing retailers. Our very own Claremore firefighters are participating as runway escorts for the models during the fashion show as well.” Claremore Dance Studios will return to the event to host dance demos for line dancing, salsa and more. Per Peggy Trease, this year’s event chair, “We had so much fun last year with David and Danielle of Claremore Dance Studios. They were able to inspire everyone in attendance to enjoy the benefits of dance as a fun way to exercise and as just a great way to socialize. These national dance champions made everyone feel at home with their fun demos.”

Literary aficionados will have the opportunity to meet and greet some of the region’s outstanding and widely recognized authors. Authors will do book signings throughout the day hosted by Boarding House Books. Cindy Bissett of Claremore Main Street said, “Last year was the first time to offer this particular show activity and it was so well received we are expanding the area this year.” Recognized as one of the outstanding women’s events in the state, organizers expect Claremore’s show to attract an estimated 80 exhibitors with products ranging from health and beauty, jewelry, purses, clothing and accessories, home décor and much more. The show also offers an excellent opportunity for attendees to gain access to a host of valuable resources, including Safenet Services. Presenting sponsor Hillcrest Hospital Claremore will have representatives on site to answer program questions and to provide free information. Major

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Ladies Lifestyle Extravaganza committee members with Claremore Fire Department firemen (L to R): (Back Row) Captain John Bacon, Peggy Trease, Sarah Sharp, Marla Roberts, Zane Copper, Myrtle Prather, Dell Davis, Jeff O'Connor, (front row) Cari Bohannan, Jenny Blake and Susan Todd. (Committee members not pictured: Cindy Bissett, Nancy Fitts and Debbie Butler.) sponsor Walgreen’s will be on hand with pharmacy experts, blood pressure checks and more. “Committee members are excited about the planned giveaways and drawing this year including cash, gifts and even a Coach handbag compliments of our event sponsors and Stonebrook Day Spa,” reports Peggy. Tickets are only $4 or $2 with a non-perishable food item. Food will be donated to the Good Samaritan Ministry, to assist our neighbors in need all year long. Hillcrest Hospital Claremore is pleased to present the Ladies Lifestyle Extravaganza along with sponsors RCB Bank

and Walgreen’s. For additional show information or booth exhibitor registrations contact the host organizations Claremore Chamber of Commerce or Claremore Main Street, 419 W. Will Rogers Blvd. in Claremore or by calling (918) 341-2818 or (918) 341-5881.

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March 2013

TULSA

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OOklahoma’s Largest Wine Tasting Festival The 10th annual Flying Fez Wine Tasting Festival will be held Saturday, March 9 at the Bedouin Shrine Temple in Muskogee. By Sheryl Sowell Enjoy a day of education, fun and celebration of Oklahoma’s wine industry at the 10th annual Flying Fez Wine Festival on Saturday, March 9 at the Bedouin Shrine Temple in Muskogee. This event is not just a showcase for Oklahoma wineries; it is a wine experience in itself. “All proceeds will support the betterment of the Shrine Temple, including its new roof,” said Shriner Stan Martin. Ten of Oklahoma’s finest wineries will come together for what has become the largest wine festival in the state. All types of wines, including many award winners that rival those from Napa Valley, will be on hand to taste: dry wine, dessert wine, hot mulled wine, iced wine smoothies and more. It all takes place in a warm, friendly and casual setting. The Flying Fez Wine Festival attracts people of all ages 21 and older from across the state to learn, sample, and enjoy old favorites and new wines. Many take advantage of festival discounts and buy their wine supply for the whole year. The festival is an opportunity to really get to know wine. Attendees not only sample

the wines, but can talk with the owners and winemakers who are more than happy to answer questions and share their vast knowledge. One of the most-heard comments through the years has been an appreciation for the tips on wine pairings. Just like adding cream to coffee changes its texture and taste, food – when interacting with wine – will affect its flavor. In fact, different ingredients and preparation methods will bring out different taste sensations with the same bottle of wine. By talking with the winemakers, guests can learn what works best with typical dishes, cheeses and international cuisine. Of course, the day would not be complete without wonderful food to go with the wine. A gourmet Italian cuisine lunch (not included in the ticket price) will be served from 11 a.m. to 3 p.m. The festival will be open from 10:30 a.m. to 7 p.m. on Saturday, March 9. Tickets are $20 per person, and each guest will receive an embossed wine glass. The Bedouin Shrine Temple is located at 201 S. 6th St. in

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March 2013

TULSA

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March 2013

TULSA

Page 29

SSpring Clean Your Mortgage Refinancing could save you money. By Jocelyn Wood When is the last time you reviewed your mortgage statement? Could a refinance save you money? RCB Bank loan officers Jenalee Mitchell, Robin Brown and Michael Banham answer questions to help determine if refinancing is a money-wise decision for you. How often should I review my mortgage? Every three years, unless you have an adjustable rate (ARM), says Jenalee Mitchell of Claremore. “In that case, review annually. Rates are lower than they’ve ever been. If you have an adjustable rate mortgage, don’t risk an increase when your rate period is set to adjust; now is the time to lock in a fixed rate.” What should I be looking at? Review your interest rate, term of loan, adjustable rate or balloon payments, if any, and your home’s current appraised value, says Mike Banham of Owasso. “With a lower interest rate, it’s possible to reduce your term, thus saving you money by reducing interest costs over the life of your loan, and have the new payment still be close to

your existing payment.” Also, when reviewing your mortgage, you should determine what you want to accomplish, says Robin Brown of Broken Arrow. “Is your goal to lower your monthly payment, shorten your mortgage term or get cash from the equity built up in your home? Once you decide what you want to accomplish, then you can determine if refinancing is right for your personal financial goal.” When should I consider refinancing? If the current interest rate is 2% lower than your current mortgage loan rate, it may be cost effective to refinance, says Jenalee. “Keep in mind, you have to also consider the balance owed on your current mortgage and how long you plan to be in your home. How long will it take to recover closing costs?” Other reasons to refinance include to lower your loan costs and shorten the term of your loan; lower your monthly payments and use the savings for other items in your budget; convert adjustable rates to a fixed rate; or raise cash, using

your equity for home improvements or to pay off debt. When is refinancing not a good idea? If you plan to move in the next few years, or if your home value has decreased, refinancing may not be the best solution, says Mike. “It takes about three to four years to recoup the closing costs for a refinance. Also, if your home has lost value, a refinance may cause you to pay PMI (private mortgage insurance) or a higher PMI than on your current loan. Be careful, as upfront mortgage insurance has doubled for FHA loans in the last 18 months.” Another reason to pass on refinancing is if you’re close to paying off your loan, says Robin. “Once a customer is within 10 years of paying off their loan, typically more of the payment is going towards principal and it isn’t feasible to refinance (unless you can see closing costs will be recouped).” What do I do if I want to refinance (or don’t know)? Talk with an experienced loan officer who can help you

RCB Bank Loan Officer Jenalee Mitchell recently helped a customer save $210 a month on their loan payments and reduce their total interest by almost $46,000 over the life of the loan. decide if refinancing is a moneysaving opportunity for you, says Mike. “Ask questions. Ask for your best options and compare programs.” It’s important to find a lender you can trust, adds Robin. “For instance, here at RCB Bank we don’t pressure our customers. Together, we’ll discuss your goals and examine options to find the best possible solution for your financial needs, at no obligation.” How long does the process take? On average, the loan process, from the initial application until the loan is closed, takes about 30 to 45 days, says Robin. “The most important key is good and open

communication between you and your loan officer. At RCB Bank, our customers are important to us. It is our goal to keep you informed during the refinance process and work with you to make it as easy and comfortable as possible.” If you want help reviewing your mortgage to see if refinancing is the smart money-saving decision, we invite you to visit any RCB Bank branch location and speak with a loan officer. You can also call 855-BANKRCB and ask to speak to Jenalee, Mike or Robin. For more information, contact

RCB Bank www.RCBbank.com www.ValueNews.com

Page 30

March 2013

TULSA

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