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News Press Stillwater

REALESTATE

November 11, 2021

3.14% Should buyers be scared that mortgage rates are rising?

W E E K LY Your best source for weekly real estate news and listings for Stillwater and surrounding communities

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52495 S 34500 Rd, Glencoe - Judy Kasso · 801-824-8166

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2203 Burkdoll Rd, Pawnee - Judy Kasso · 801-824-8166

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Stillwater NewsPress • Friday, November 12, 2021

’Fake’ grass can yield real long-term savings A growing number of homeowners are replacing their yards with artificial grass to slash their maintenance costs, save time and add to their property’s value. DEAR DAVE: Our front yard looks pretty crummy, with bald spots in some areas and lots of weeds in others. My wife and I are getting too old to constantly maintain it, and the cost of watering the lawn keeps going up. We don’t have the money in our limited budget to hire a professional landscaper to restore the grass and then hire a gardener to regularly mow it. What would it cost to replace the yard with artificial grass? ANSWER: It might not be as expensive as you think. And over the long run, you might actually offset the upfront cost of installing the artificial grass by slashing your water bill and ongoing maintenance expenses. Many states and water companies, especially those

in drought-prone areas, are even offering tax credits or cash rebates to homeowners who replace their thirsty natural-grass lawns with synthetic ones. Today’s artificial grass has been vastly improved since it first gained nationwide attention when it was introduced as “AstroTurf” in 1966 at baseball’s then-new Houston Astrodome. It’s much softer, more resilient to constant wear-and-tear, and looks great no matter the season. Realty website HouseLogic.com reports that artificial grass costs between $5 and $20 per square foot, installed, depending on its style, quality and other factors. The average price is $12.50, which works out to $6,250 to cover a 500-square-foot yard. That might seem like a big upfront expense. But by eliminating the annual cost of watering and other typical maintenance expenses, real estate data provider

ABOUT REAL ESTATE DAVID MYERS CoreLogic says, you’ll recoup the $6,250 in about seven years and then save hundreds of dollars each year thereafter. You can find lots of useful information, including a list of rebate programs offered in most areas, by visiting the website that’s operated by the Association of Synthetic Grass Installers at www.asgi.us/ consumers.htm. ••• REAL ESTATE TRIVIA: A survey of 1,250 agents conducted by the National Association of Realtors (realtor. org.) found that grass is the most important landscaping element that adds value to a home, followed by trees and flowers. About 24% said that poor landscaping cuts 10% off a property’s market

value, but a staggering 40% believe it can whack 20% or even more than 30% off its eventual sales price. ••• DEAR DAVE: A home in our area is advertised as having a “granny flat.” What is it? ANSWER: It’s a space dedicated for the use of relatives, visitors, nannies or others to live either part-time or fulltime in (or on) the property. In many parts of the country, they’re called “in-law space” or an “in-law apartment.” Granny flats can take any number of forms. Some are simply finished basements or attics, often with their own small bathroom and cooking facilities. Others are converted garages or a freestanding (often prefabricated) tiny

house behind the primary residence. ••• DEAR DAVE: My wife and I created the type of basic living trust that you often recommend so that our home and other assets can pass quickly to our heirs after we die instead of going through the expensive probate court process. Do we have to give copies of the trust document to each heir now, or can we just put the original in our bank safe deposit box and let the heirs read it later? ANSWER: A trust, unlike a will, is considered a “private letter” that is not open to public scrutiny. You can certainly give copies of the trust to your kids, but you’re under no moral or legal obligation to do so. As I wrote earlier this year to another reader, you can put a copy into your safe deposit box but do NOT put the original document in there. That’s because, after both you and your spouse pass away, the bank will

automatically seal the box until your successor-trustee or executor can prove that he or she has the right to access it. That can lead to long and costly delays, and your heirs will have to wait several months or even years to get their share of the inheritance. Instead, keep the

original trust document or will at your attorney’s office or someplace else where your trust’s successor trustee or will’s executor can easily get to it without having to jump through a bunch of legal hoops. (c)2021 Cowles Syndicate Inc. All Rights Reserved


Growing fruit trees from seed the Horticulture Edas important. Root the most gifted Propagation of ucator in the Payne stock is responsible arborist can train Fruit and Nuts by for factors such as these beasts into a Seed provides some County Extension office. Keith can be growth rate, strucsuitable landscape very helpful inforreached via email ture, winter hardiplant. mation that will at keith.reed@okness, and disease For the “I think help improve your state.edu, phone at resistance. These I’ll try it anyway” chances of success. 405-747-8320, or in factors are particucrowd, you need to person at the Payne larly important for follow some basic For more inforCounty Extension residents of Oklahoguidelines to inmation of this or KEITH REED office, located at ma as our weather crease your odds of any other horticulextremes can easily success. OSU Fact tural topic, you can 315 W. 6th in Stilllandscape. Not even Sheet #HLA-6211 eliminate plants not the surrounding contact Keith Reed, water. well adapted to our climate. This is one reason why care should be exercised when plants are purchased on-line or through mail order, but that is a topic for another day. These factors are also the ones most likely to cause the grower problems 502 N.9366 Burdick - 3 2E1623 ft Close Sho in - & Schools 225 000 - Donna NE0000 HWY 33 - 3sRd., bed, 3 bath on .75-acre m/l - $275,000 - Ann 760 Agra -to19-Acres $71,250 - -Montie when attempt2023 E. Linda Ave - Large corner lot with of outbuilding. Over ft $248,000 – Tiffany 354 S Council Crescent - 29-acres undeveloped land for your newsqhome - $145,000 - Tiffany 5020Rd., W 10th - 4 bdrm., Stillwater Country 3BR/2.5BA Club, large lot - 1900 $360,000 - Tiffany 1800 N.-Benjamin - 3/1/1, 1121 sq. ft. -Golf $139,000 - Melissa 814 S. Rock Hollow Ct. SWDr. area over 1990 sq ft/SCC access $274,000 10217 S Brenna - 4 /Bed, 3.5 Bath, 2,891 sq. Cart ft. - $490,000 - Ann – Tiffany ing to grow trees 1619 S. Horizon HillsideDr. Ct.- -50 4/2/2; sq. barn ft.; Quiet, Convenient - $249,000 Melissa 9715 E. x 60 1939 livestock on 5 acres with Campus! no Location restrictions $100,000 –- Lori K- PENDING 1919 Brooke bdrm./3 OSU - $343,000 - Tiffany any from seed. Pears 5829Hollow W VillasCt. Ct.- 4- 4/3, 3094bath/Large sq. ft. on 2Lot/North lots with aofPool & Storm Shelter - $494,900 - Lori C. 0 Haydans W. 19thAve. Ave -#43 7.48 inside Stillwater city limits $350,000 – Lori KLori K.- Tiffany 6000 N Pennsylvania - acres 2 bdrm./2.5 Bath 4/2, Condo, Oklahoma City - $129,000 6023 Brk. New Construction, 2075 sq. ft. $338,500 are an especial801 Burdick 3BR/1.5BA, 1.5 story on large 1371 sq ft a$89,000 Lori C PENDING! 1408 N. M5215 00 – Lori 4517 Spring Creek Cir.1785 E - 2/1 sq. ft. onlot 3With LotsStorm with Barn -–-$299,900 - -Lori 608S. Hwy. 177 -- 3/2/2, sq.1253 ft. and 4-acres Shelter $250,000 LoriK.K. Broker Associate 1115W S.Country Richfield Ct.sq. - -3BD/2BA 1775 sq ft $305,000 – -Tiffany 2121 Oak Dr. - 4/2, 1405 ft., Move InforReady $149,900 - Lori C. & Jennifer ly good example. Club NICE Lot sale --$25,000 Donna 20JPost4713 onna Lori - Dolores/Tiffany 10 Lori 405-612-6724 5504 W Creekside Dr.2923 - GATED Luxury, 5823 sq. ft. - $1,700,000 N. Monroe 2321 ft $208,000 – Tiffany Shumard Oaks - COMMUNITY, 5 Nice- 3BD/2BA Lots for Radiant you tosq build your5/4.5, new home -PENDING! $27,000 - Donna They can easily n 9001 Cedar Crest Trail -Pickles 4 bdrm./3 bath/5-acres/Pool/Summer Kitchen plus more!!–C11 - $1,100,000 - Tiffany 7917 Gap Nice large lot in Perkins School District $22,500 Lori Scotthaven Addition - Nice Large- 3/2/2 lots inon Perkins School District/starting at - $45,500 18575 Deer Pointe 2.5-acres, 1917 sq. ft. - $273,000 - Kyle - Donna become monster 6021 Hallies Meadow NEW CONSTRUCTION 4BD/2BA 2347 sq ft $379,900 – Lori 5607 S7917 Mehan Rd. -Gap 52.5-acres for Sale, Will Divide, Ripley Schools - $349,000 - Tiffany Pickles 1.19-acre lot m/l, Ready for you to build! $22,500 Lori K y 1408 N.PEND Mai 5005 N Perkins Rd - 4000 sq ft warehouse - Oh the possibilities $399,900 – Donna 5,900 iffany – Lori weeds in the land00 E 810 Rd., - 53.34-acres. Hunting/Building/The possibilities are endless - $224,028 301 S. Tryon Duck St. - Beautiful Office Building in the heart of Stillwater - $900,000 - Lori K.- Kyle 5706 W. Garden Pointe Dr.Lots - Gated 3BD/3BA, 2754 sq ft-$550,000 – -Ann 120 W Tyler - CALLING ALL INVESTORS, Units, 12 Apts., 2area/starting bed, 1 bath $950,000 Dolores/Tiffany 1218 W 12th - 4 Commercial in 2aCommunity very High Traffic at $255,000 - Ann scape producing 3337 W3000 Charleston Ct.Rd. - New Construction in 4 bed, 2.5-addn bath - $397,900 - Donna 3618 W. Fountain View Ct. --5BD/2.5BA, in ground pool Creek, - Woodland Trails $362,900 – Tiffany S. Range 4 bed, 4.5 bath, onBerry 3.2-acres - $845,000 Tiffany/Dolores $820,000 thorny, fast grow5919 W N. 44th St. - UPDATED, 6-acres, 4 bath, w/Shop, sq.$205,000 ft. - $840,000 - Lori a C. 208 Donaldson - 4BR/2BA 1851 sq4 ftbed, - close to shopping & 3596 schools – Donna 3215 S. Boomer Rd. Nice Commercial Building for sale $2,245,000 Tiffany 719 2109 Kar N Briarwood St. - UPDATED, 4/2, 1555 sq. ft. Great Location - NEW PRICE $215,000 - Donna 0 - Tiffany ing, weak wooded, 910 Kansas St. / Pawnee 1936 farmhouse / 1 acre lot with outbuildings $129,999– Tiffany 211 E. Main St., Coyle 64 Unit Storage Building, GREAT INVESTMENT $165,000 Donna 5215 Spring Creek Cir. E - 2 bed, 1 bath, 1253 sq. ft. on 3 lots with a barn - NEW PRICE $275,000 - Lori K. riffan ri- Lori- K. 415- 2.5 W. 80th - 52.65 acresCute rural property, no19-acres restrictions $300,000 – Lori multi-trunked 505 S. 11 Morton Ave. - Ripley, from thePRIME School - $75,000 000 E 760 Rd. miles W of OK, Hwy. 18 &home E 760across Rd., Land - $75,000 Montie 617 W S. 44th Main -10.86 Downtown Stillwater commercial plus apartment unit $395,000 – Tiffany am/l, Will consider splitting, Just West Western - $250,000 - Lori- Tiffany K. 2923 Monroe - 3 -bdrm./2 bath/Study/Game Room.unit One block toofBoomer Lake - $219,000 29 N.2707 Tiffany plants. They also Hidden Lake -lots 14 Beautiful on1468 theclose North - $52,500-$79,000 - Lori K. 830456 S. Ct. 3354 / Carney sq ft to - Side out building $199,900 – Lori 000 Roka N Glenwood - 9Rd platted-3BR/2BA forLots duplexes Boomer Lake - $420,000 - Tiffany 719 Karen , 0 - Tiffany tend to be prolific 608 Hwy. 177, Carney - 3/2/2 on 9.41 1118 am/l -sqNEW PRICE $299,900 - Lori 111 E. Tower / Perry 3BD/1BA ft $79,800 – Tiffany Pickles - Nice largesq. lotft.inGREAT PerkinsLOCATION School District - $22,500 - Lori 1408 2113 N. N. 7917 ,900 - Lori Crescent Dr. Gap - 4/2.5/2, 2439 - NEW PRICE $345,000 - Ann self-seeders, reN. NE Burdick 3BR/2BA 1623 sq ft on Close to shopping & schools $209,000 – Donna 6021502 Hallies Meadow -- NEW CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 - Lori 9366 Hwy.-33 3 bed, 3 bath, .75-acre m/l - NEW PRICE $259,000 - Ann 2923 iffany 920, 920 1/2 S. Duck properties,Lot/North homes, total $160,000 – Amy 5005 N Perkins Rd. sq. ft. bath/Large warehouse -2Oh, the 5possibilities - $399,900 - Donna 1919 Brooke Hollow Ct..- -4,000 - 24Investment bdrm./3 ofbedrooms OSU Campus! - $343,000 - Tiffany leasing hundreds 101Pointe W. 80th and shopCondo, on2,754 11.5Oklahoma acres – Lori$495,000 6000 #43Community - 2 building bdrm./2.5 Bath CityPRICE - $129,000 - Tiffany 57061408 W. Garden Dr.-Ave. -Commercial Gated 3BR/3BA, sq. ft.$4,000,000 - NEW $510,000 - Ann N.NMPennsylvania 35,900 - Lori of seedlings into 4713 W Country - NICE Lotoffor sale - $25,000 354 S. Cou ,500 - Tiffany 5011 W. LakeviewClub - 10 acres NW Stillwater $300,000-–Donna Lori

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3215 Boomer Rd. - Nice Commercial Building for saleon --$2,245,000 --Tiffany 1408 N. Main / S. Perkins4BD/3BA 2098 sq ft NEW CONSTRUCTION golf course $325,000 101 W. 80th - Commercial building and shop on 11.5-acres $4,000,000 Lori – Lori 505 S.4517 Morton Ave. - -Ripley, OK,1756 Cutesqhome across from the School - $69,900 Jenna Ln. 3BD/2BA ftNW NEW CONSTRUCTION $266,900 – Lori - Lori K. 5011 W. Lakeview 10-acres of Stillwater $300,000 Lori 000 Ct. - 9 lots platted for duplexes close to Boomer Lake - $420,000 -Tiffany Tiffany 354N Glenwood 115E.E. 80th- Commercial - Gap 14.5 acres Justlot North of 68th School & Mehan - $121,075 - Tiffany 354 S.3 522 Tiffany 12th building in Stillwater - $250,000 - Lori 7917 Pickles - Nicem/l large in downtown Perkins District - $22,500 - Lori -Kyle 203 E 80th - NiceCONSTRUCTION large office on 3 acres m/l $950,000 –sq. Lori 354 S306 Cou , 00 Tiffany . Kyle 26206021 S. Black Oak Dr. 4BR/3BA, 4,813 sq. ft. Georgian elegance & style $950,000 Donna Hallies Meadow NEW 4BR/2BA, 2,347 ft. $379,900 Lori 270 2707. -7 - Lori 7 - Lori E 2nd - 4BD/2BA sq ft Split floorthe plan $175,000 –- Ann 5000 N Perkins Rd. - 4,000 sq. ft. warehouse - Oh, possibilities $399,900 -- Donna PENDING & 1306 S4 3202 24 ft. - $135,000 - Lori 14081304 N. Main /Perkins - 4BR/3BA, 2,098 sq.1717 ft. NEW CONSTRUCTION on golf course -sq. $325,000 $315,000 - Lori K. 2707 W. 317 Lori Lori 5706 W.Jenna Garden Pointe - Gated Community 3BR/3BA, sq.- ft. - NEW $450,000 6038Dr. Haydans Brook 4BR/2.5BA 2183 2,754 sq ft $349,000 – Lori PRICE 4517 Ln. - 3BR/2BA, 1,756 sq. ft.- NEW CONSTRUCTION $266,900 - Lori PENDING- Ann 202 5 - -Donna 415 W.N.80th - 52.65-acres rural property, no 3restrictions - $250,000 - Lori 2112 Monroe - 2 Commercial buildings on $600,000 – Dolores E. -80th - 14.5-acres m/l just north of 68th & acres Mehan - $121,075 Tiffany Lori K.$152,500 - Amy 920, 920½ S.6115 Duck 2 Investment properties, 2 homes, 5 bedrooms total - NEW -PRICE 354 S. Council Rd. - Land forlarge sale office in Crescent, OK -shop No 33.5 acres m/l $167,000 203 80th - -Nice on 3-acres m/lrestrictions -on NEW PRICE - -Lori 101E. W. 80th Commercial building and 11.5-acres -$1,200,000 $4,000,000 Lori– Tiffany . 5011 as- 801 -Ann or Burdick -- 3BR/2.5BA 1371 ft $87,000 – Tiffany 3202 0000 E. 2nd 4BR/2BA, 1,717 sq. ft. Split floor plan - $170,000 - Ann- Lori ---PENDING W. S. Lakeview 10-acres NW of sq Stillwater - $300,000 S. 2707 W 6038 44th - 15.86 acres - will -divide, look for2,183 signs west Western $317,000 – Lori ffany E. 12th - Commercial building in downtown Stillwater --$250,000 --Lori Haydans Brook 4BR/2.5BA, sq. ft.of $349,000 Lori, - PENDING 474522 2620 S. .Black Oak Dr.Oaks - 4BR/3BA, sq. ft.m/l Georgian elegance & style $950,000 - any Donna Cedar 19th -4,813 7.48 acres inon city3-acres limits $350,000 – Lori 2112 N. Monroe - 2&Commercial buildings - $600,000 --Dolores N. Possibilities! $2,352,900 - K. Lori 601 fany 115 E. 80th 14.5-acres m/l just north of 68th & Mehan $121,075 Lori N. - 15.86-acres Lori 0000 S. Country Club Rd. - 20forAcres Paved Road - $200,000 - Ann- Lori 2707 W 44th - will divide, look signsonm/l west of Western - $317,000 - PENDING 203 E. 80th - Nice large office on 3-acres - NEW PRICE $1,200,000 Lori Lori Crosby Donna Rhinehart 4717 S. Turtle Pond Ct.&- Great m/l Lotm/l for in your - $45,000 Montie Stewart Monty Stewart Cedar Oaks 19th -.-acre 7.48-acres citybuilding limits - -Lori 6038 Haydans Brook - 4BR/2.5BA, 2,183 sq. ft.-pleasure -$350,000 $349,000 Lori - Tiffany Realtor Associate 3000 Range Rd $845,000 1-3 Dolores Lemon Realtor Realtor Associate N. Washington Rd. 151.8 acres m/l, OH the Possibilities! $2,352,900 Lori 4717 S. Turtle Ct. --Great .-acre m/lbuildings lot for your - $45,000 Tiffany 2112 NPond Monroe 2 Commercial on building 3-acres pleasure - q. $600,000 - Dolores PEN ft. - $349,000 - -Lori 405-612-4184 405-747-7306 405-372-5151 ngton Rd. -&- 151.8-acres 151.8 m/I, OH OH - -$2,352,900 - -Lori Cedar Oaks 19th -acres 7.48-acres m/lthe inPossibilities! city limits - $350,000 - Lori N. Washington Rd. m/l, the Possibilities! $2,352,900 Lori

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News Press

910 Kansas St. / Pawnee - 1936 farmhouse / 1-acre lot with outbuildings - $129,999 4517 0 - Lori- Tiffany Shumard Oaks - 5 Nice Lots for you to build your new home - $27,000 - Donna

522 12th- 52.65-acres - Commercialrural building in downtown Stillwater -$250,000 – Lori 415 W.E.80th no restrictions $250,000 - Lori - Donna 354 - ffany Tiffany Addition - Nice Large lots inproperty, Perkins School District/starting at $45,500 PENDING - Scotthaven ,900 - Tiffany 354 2620 S. Oak -Stillwater 4BD/3BA,commercial 4813 sq ftWill Georgian & style – Donna 6175607 S. Main - Downtown unit pluselegance apartment unit$950,000 $395,000 Tiffany S Black Mehan Rd.Dr. - 52.5-acres for Sale, Divide, Ripley School --$349,000 --Tiffany 1304354 & 11111218 45,000 - Lori iffany 1012 N. Manning St. 3BR/2BA storm shelter, outbuilding $195,000 – Tiffany PENDING! E. Tower / Perry - 3BR/1BA,Lots 1,118 sq. ft. - High NEWTraffic PRICE $70,800 - Tiffany - PENDING W 12th - 4 Commercial in a very area/starting at $255,000 - Ann PENDING $239,000 Tiffany W. 3rdRd. - Close to campus 3BR/2BA 2208 sq- ft$820,000 S. -properties, 4 bed, 4.5 bath, on 3.2-acres -–Tiffany/Dolores 920, Duck2218 - 2Range Investment 2 homes, 5 bedrooms total - NEW PRICE- $152,500 - Amy - - ,000 -Tiffany 1304 & 920½- S. 3000 - Lori

Stillwater NewsPress • Friday, November 12, 2021

Can you grow fruit trees from seed? The short answer is yes, yes you can. Should you? I hate to be the bearer of bad news but probably not. Here is a longer version of why: Fruit trees are genetically diverse. The chances of growing a tree that will produce fruit equal to or better than the seed source is virtually nil. Plant breeders study thousands and thousands of trees in search of ideal fruiting characteristics. Once a superior plant is finally discovered, fruit (and nut) trees then must be grown and sold as grafted plants so desirable characteristics can be reliably transferred from one generation to the next. The need for duplicating desirable fruit characteristics is obvious. However, a quality root stock, while perhaps not as attention grabbing as delicious fruit, is just


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Stillwater NewsPress • Friday, November 12, 2021

How to take advantage of the equity in your home The equity in your house is one of the most valuable tools you have as a homeowner. It can increase over time, and it can be used to access money in the form of a loan or a line of credit that can pay for big expenses like renovating your home or the consolidation of high-interest debt. So just what is home equity? It is your home’s market value, minus the amount you owe on it. This is why it usually increases over time – as you pay off your mortgage, you’re subtracting less against the home’s market value. Also, if your home increases in value, your equity rises as well. However, the opposite is true as well – if your home decreases in value, your equity may drop if it decreases more than what you’re paying on the mortgage.

Differences Between a Loan and a HELOC A home equity loan gives you a lump sum of money

up front, and you make payments over the life of the loan at a fixed interest rate to pay it off. A home equity line of credit (HELOC) is similar to a credit card – you establish a line of credit, with your home as collateral – and you use the credit when you need it. You pay interest only on the money you use, and you can also continue to use the funds as you repay them. These rates are typically adjustable.

MORTGAGE MATTERS KENNETH WOHL value, which in turn would increase your equity. Not all home improvements are the same, however, so be sure to research to find out which one would add the most value to your home.

Drawbacks of Using Home Equity

Remember that your home secures the amount that you borrow through a home equity loan or line of credit. If you don’t pay Benefits of Using your debt, the Home Equity lender may be able How to Build to force you to sell The Tax Cuts and Home Equity your home to satJobs Act of 2017 isfy the debt. Also, You can make ad- lets homeowners some lenders may ditional payments deduct the interest charge fees, so be to the principal of on home equity sure to look to see your mortgage to loans or lines of if the fees are what build equity faster. credit if the money you would consider Appreciation of is used to “buy, excessive. your home also will build, or substanAlso, if you sell increase the equity tially improve the your home using a over time. taxpayer’s home real estate agent, The increase in that secures the there are fees asvalue of your home loan.” sociated with the over time is not Also, because sale transaction guaranteed, but has you’re borrowing from the real estate been typical over against your home, agency, title compathe most recent his- it would be a seny, and more. tory of the real escure loan or line of These costs can tate market in the credit. be as much as 10% United States. Typically loans of the value of the Also, if you make secured by homes home. home improvehave lower interest If you max out ments, that may in- rates than other your equity and crease your home’s loan options.

owe more than 90% or so on your home, you may not have enough equity to sell your property after accounting for the fees.

Ask more questions to seek out answers Ask all the lenders you interview to explain the loan plans available to you. If you don’t understand any loan terms and conditions, ask questions. They could mean

higher costs. Knowing just the amount of the monthly payment or the interest rate is not enough. Pay close attention to fees, including the application or loan processing fee, origination or underwriting fee, lender or funding fee, appraisal fee, document preparation and recording fees, and broker fees; these may be quoted as points, origination fees, or interest rate add-on. If points and other fees are added to

your loan amount, you’ll pay more to finance them. Opinions expressed above are the personal opinions of Kenneth Wohl and meant for generic illustration purposes only. With approved credit. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. Some restrictions apply. RCB Bank is an Equal Housing Lender and member FDIC. RCB Bank NMLS #798151. Kenneth Wohl NMLS #453934.

405.624.2626 www.c21global.com 131 N. MaiN, Stillwater

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From cryptocurrency to cash: Ways to bank your digital coin By Chanelle Bessette

tocurrency doubled after you bought a $5 sandwich, that means it effectively cost you $10. But the value could also go down, making previous purchases a good deal. Another barrier to consider is that regulators are still evaluating cryptocurrency fintechs. The U.S. Securities and Exchange Commission recently announced that it was going to potentially sue Coinbase, one of the most wellknown exchange firms, for offering a new lending product, and Coinbase has since canceled the product launch. Consumers should also know that using a cryptocurrency debit card is considered a taxable event by the Internal Revenue Service, since the cardholder is technically selling cryptocurrency as they make transactions with their debit card. Some card issuers may automatically generate 1099 forms for their customers to use when filing taxes, but the consumer is still responsible for keeping track of their tax liability. HOW TO TRY

CRYPTOCURRENCY BANKING To start using these kinds of banking services, you must first purchase cryptocurrency, such as bitcoin, litecoin, ether or any other currency that you would like to invest in. Cash App, Coinbase and PayPal are just a few companies with apps that have made it easier to purchase and sell cryptocurrency, even in small amounts, and store it in a digital wallet. If you want to

spend your balance easily, you’ll need to open an account with a firm that offers cryptocurrency debit cards and uses the kind of digital currency you own. Coinbase, for one, has a special debit card that lets customers spend any Coinbase assets they own and earn cryptocurrency rewards, but there’s currently a waitlist for new customers. BitPay, another firm, offers a prepaid Mastercard debit card that customers can use to spend their digital currency. There are

others, but it’s not a widespread bank offering. In the future, cryptocurrency could have the potential to be a source of peer-topeer loans, where individuals can quickly and securely process loans to each other , according to research from CB Insights. It’s a huge area of untapped potential but for right now, the world of cryptocurrency banking is limited to a small pool of players with some very new products and services.

2001 CHERRY LANE • $179,900

Private country setting close to town on approximately 1 acre. This classy remodel also has three bedrooms, three bathrooms and an all new kitchen. Wood burning stove, storm shelter. Stillwater schools. It is a must see!

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ever many regular debit cards are. BARRIERS OF CRYPTOCURRENCY BANKING Perhaps the biggest barrier to lending and spending cryptocurrency is how volatile it is. It’s the same barrier to investing in it: To hold cryptocurrency, you have to accept that “if your coin falls, you could lose a lot of money,” says Francisco Alvarez-Evangelista, a research associate at the Aite-Novarica Group, a financial services analysis firm. Many banks rely on the stable value of currency in order to lend, borrow or earn interest on money, but it’s not possible, at this time, to do those things with cryptocurrency in a way that’s as stable or safe as with traditional currency. And to spend your digital coin, you have to accept the risk that its value could go up after you spend it, since your transactions are based on the real-world value of your coin as it exists at that moment. For example, if the value of your cryp-

Stillwater NewsPress • Friday, November 12, 2021

just allows people to hold their funds in a digital wallet or spend it like they Cryptocurrenwould spend tradicy, the blocktional money. chain-based digital BENEFITS OF currency that has CRYPTOCURcaptured the interest of investors and RENCY BANKING financial service At this time, the firms alike, has a main benefit of this challenging probkind of banking lem. It can be hard is cryptocurrency to actually spend debit cards. They this currency like allow you to use you would regular your digital coin money. But there balance like any are new services other currency to on the horizon that make everyday purcould help people chases or withdraw use bitcoin and it as cash instead other digital coins in more mainstream of keeping it as an investment. ways for their dayBefore these to-day finances. debit cards were Here’s a look at available, you could how to use these spend your cryptobanking-style sercurrency only at revices for cryptocurtailers that chose to rency, as well as accept it directly or their benefits and sell it in exchange barriers. WHAT IS CRYP- for dollars. Now, financial technology TOCURRENCY firms are partnerBANKING? ing with chartered The term cryptobanks and/or debit currency banking could be considered card issuers to offer these cards, using a misnomer, since their partner’s lothe exchange comgistical and regulapanies and firms tory framework to that offer these services aren’t tech- automatically sell nically banks, but it your cryptocurrency behind the scenes, generally refers to converting it into the ways in which consumers can man- dollars and allowing age their cryptocur- retailers to accept it. This means that rency balances. At this stage, this kind your digital funds are accepted wherof banking mostly NerdWallet


Care about your credit score? Get strategic with card limits ratios. According to credit expert John UlzIf you have credit heimer, utilization is one of the more cards in your wallet, you might track actionable ways to improve your credit: your balances to keep your budget in “To the extent you check, but knowing have the ability to pay down your each card’s credit credit card debt, limit off the top of your head is anoth- then your ratios are going to go down. er story. That’s just a fact.” However, activeEven if you can’t ly managing how reduce your balmuch of your credances, a few other it limits you are using – also known strategies can help reduce credit utilias your credit utization. lization ratio – can WHAT IS A make a big impact on your credit score. CREDIT LIMIT AND WHO DEYour credit score TERMINES IT? is a mix of many Your credit limit factors, including is the maximum your credit usage. If you want to build amount you’ve been approved to spend your credit score, by a creditor, based focusing on using on factors like your less of your credit limits is a powerful payment history, way to do it. People income and credit with excellent cred- score. A credit limit is not set in stone it tend to have low and is likely to credit utilization By Amanda Barroso

C6

Stillwater NewsPress • Friday, November 12, 2021

NerdWallet

change over the life of the account: Your card issuer can increase or decrease your limit without warning, and you can also ask for a credit limit increase (more on that later). THE WAY YOU USE YOUR CREDIT LIMITS CAN HELP YOUR SCORE Make sure you know your credit limits. Try checking your latest bill or banking app to find the limit for each card. With your limits in mind, you can focus on keeping your balances low. Ideally, you want to use no more than 30% of the credit limit on any card. The lower that credit utilization ratio, the less risky you seem as a potential borrower. People with the

highest scores tend to use less than 10% of their limits. You can calculate your credit utilization ratio by dividing your balance by your credit limit. Multiply that number by 100 to get a percentage. Keeping tabs on your credit usage is as simple as setting an alert once you’ve reached a certain spending threshold. Most cards will let you do that. Many personal finance websites and apps also have a dashboard that shows your utilization. Other strategies can help you keep credit utilization low. “Pay an amount before you get your statement,” says Chi Chi Wu , an attorney at the National Consumer Law Center.

“Because utilization is calculated from what the balance is at the end of the billing cycle, if you pay it beforehand you now actually reduce that utilization.” Ulzheimer suggests two additional ways to keep your usage low: Start by trying to reduce your credit card balances if you’re carrying debt from month to month. Or you can ask to increase your credit limit, which not only offers you more flexibility to make bigger purchases but also helps lower your credit utilization ratio. “If you can do both at the same time – lower balances and more credit limits – then again, you have lowered your ratio,” Ulzheimer says.

This works only if you can keep your balance low and resist any temptation to increase your spending. Also note that applying for a higher limit can temporarily ding your credit score. THE COVID CONNECTION For a real-life example of how credit utilization and credit score are connected, look no further than the COVID-19 pandemic. Recent data from credit scoring company FICO shows that in 2020, many Americans took advantage of

reduced spending and government stimulus checks to pay down their consumer debt. According to FICO, average credit card balances decreased by 10.9%, and the average FICO score rose 8 points between April 2020 and April 2021. Doing something simple – like using extra cash to pay down existing credit card balances or making several payments throughout the billing cycle – can improve your credit, even during trying financial times.

CONGRATULATIONS PIONEERS! See you Friday night in the 1st Round of District Playoffs. Come out & cheer them on to victory!

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Yost Rd.

Yost Rd.

To Cimarron Turnpike

Topaz Ave.

Amethyst Ave.

Duncan

Nancy Lee Dr.

Evergreen

Dr.

Ct.

Ma rie

Perkins Rd.

Knoblock St.

Star Dr.

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

22nd Av.

Wedgewood Ct. Wedgewood Dr.

Skyline Ln.

t. Lew is S

Lowry St.

Lowry St. 37th Av.

32nd Av.

35th Av. 36th Av.

37th Av.

44th Av.

Hunters Cr.

s Dr. Deerfield

Wild Turkey Pas

Vista Ct. Vista Ln.

Cottontail Ln.

Jardot Rd.

Perkins Rd.

Husband St.

Washington St.

Western Rd.

Sangre Rd.

Timberline Dr.

44th Av.

177

S. Westchester St.

Katy

Henderson St.

Hightower St.

Denver Ct. Denver St.

Mockingbird Ln. Collins Ct. Colby Lance

Villa Dr.

Drury Ln.

4th Av.

Eastgate St.

Crestwood Cr.

Raintree Av.

3rd Av. 4th Av.

Peach Tree Av. Stonegate Av.

19th Av.

34th Av.

Fern St.

Main St.

Pioneer St.

35th Av.

Av.

51

Lydia Ln.

Main St.

Husband St.

Knoblock St.

West St.

33rd Av.

3rd Av.

5th Av.

17th Av.

29th Av.

32nd Av.

2nd Av. 4th Av.

Jardot Rd. 16th Av.

Payne St.

Dr.

177

31st Av.

Denver St. St.

Pinewood Cr.

ower

Oakwood Dr.

9th Av.

Hight

Payne St.

Stallard St.

Hall St.

Leigh St.

7th Av.

26th Av.

30th Av.

Dr.

Pos

Jardot Rd.

Payne St.

Blair St.

4th Av.

25th Av.

Mar Vista St. 28th Av.

Timbercrest Dr. Timbercrest Cr.

4th Av.

24th Av.

26th Av.

ak

Blair St. Payne St.

Eastern Av.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

tO

Wedgewood Dr.

Grandview St.

Manning St.

Donaldson St.

Stallard St.

Matthews Av. Virginia Av.

19th Av.

22nd Av.

Cedar Ct.

Ct. Wedgewood

Ransom Dr.

ott

Aetna St.

Springfield St.

Alc

Pennsylvania St.

Hartford St.

Jardot Rd.

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Burdick St.

James Ct. Hartford St.

Lowry St.

Chester St.

Fern St.

Lowry St.

Chester St. Fern St.

17th Av. 18th Av.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

Briarwood Dr.

Grandview Ct. Grandview St.

Manning St.

Dr .

Manning St.

Berry Ct. Arrington Ct. Arrington Dr. Su

Dryden St.

Benjamin St.

Burdick St.

Perkins Rd. Lowry St.

Lewis St. Lewis St.

Husband St.

Main St.

Husband Pl.

Walnut St.

15th Av.

Connell Ct. Connell Av.

12th Av.

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

Payne St.

Dryden St.

Hartford St.

Hartford St. Dryden St. Redbud Ct.

Star St.

Hoke St. Husband St.

Masin St.

Duncan St. Duck St.

West Bl.

Duncan St.

West St.

Knoblock St.

Hester St.

Washington St.

Ramsey St.

Benjamin St.

Park

Pa rk Sta Dr. rD r.

Crescent Dr. Glenwoo d Dr.

Husband St.

Main St.

Duncan St.

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

West St.

Knoblock St.

Hester St.

Ramsey St.

Monroe St. Jefferson St.

Adams St.

Stanley St.

Gray St.

Pine St.

Blakely St. Teal St.

Bluestone St.

12th Av.

Pl.

8th Av.

8th Av.

11th Av.

Birchwood Ct.

Whitney Ct. McElroy Rd.

7th

7th Av.

9th Av. 10th Av.

Redbud Dr.

Young St.

Park Dr. Park Dr. Keller Dr.

Husband St. r. an dD sb

Hu

Hester St.

Washington St. Bellis St.

Hester St. Knoblock St.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

Monroe St.

Crescent Dr.

Ramsey St.

Ramsey St.

Knoblock St.

Garfield St. Clevelan

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

Walnut St.

Orchard St.

McDonald St.

Willis St.

son

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3rd Av.

4th Av. 5th Av.

5th Av.

5th Av.

th

Willis St.

Silverdale

4th Av.

Ct.

21st Av.

Cambridge Dr.

Oxford Dr.

3rd Av.

8th Av.

Western Rd.

t Dr.

Summ erlin Ct. Bridlew ood

Augus

Legendary Ln.

Kerr St.

d St.

McFarland St. . Kings St

Kings St. Orchard St.

Willis St. Willis St.

Dr. Ridge Dr. ge

Ridge Dr. Rid

McFarland St. Kings St.

Western Rd.

Dr. Ridge

Wicklow St.

Devon St.

Devon St. Wicklow St. August Dr.

Ln.

Celia

Surrey Dr.

Dr . in Elv

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Cedar Ct.

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Maple Av.

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Elm Av.

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Rocky Ridge

r. dge D Fox Le

August Dr. Cambridge Ct.

24th Av.

mit

Maple Av.

18

21st Av. 23rd Av.

Sum

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Fountain View Dr.

22nd Av. 23rd Av.

McElroy Pl.

Arrington Dr.

Elmwood Cr.

Elm Av.

Brooke Av.

Sunrise Av.

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

Connell Av.

Hanson

Virginia Av.

Virginia Av.

Krayler Ave.

Bo

Country Club Rd.

Miller Av.

19th Av.

Arbor Cr.

24th Av.

Camden

7th Av.

12th Av.

11th Pl.

Forest Trail Ct.

44th Av.

Turtle Pond Ct.

7th Av.

k Ln.

Helena Hts.

5th Av.

Will Rogers Dr.

Dryden Cr.

Hall of Fame Av. Mathews Av.

Lakeview Rd.

Fountain View Ct.

Red Rose Dr.

Aloysius Cr.

18th Ct.

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r. one D

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n St.

Pheasant Eagle Creek Ave. Ridge Ave.

Briarcreek Dr.

Doral Ln.

Scott Av.

Scott Av.

University Av.

31st Av.

Woodland Trails Dr.

Cantwell Av.

Connell Av.

Connell Av.

Morrill Av.

Saddl

Isabell Pointe Dr.

29th Ct. 30th Av.

Inverness Ln. Deer Crossing Dr.

22nd Av.

Quail 25th Av. Ridge Ct.

Ct. . nery ock Ln R dle Sad

Ln.

Fox Ledge Ln. Fox Ledge Dr.

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Wil

Willow Park Cr.

18th Av.

20th Av. 21st Ct.

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17th Av.

Ln.

Cantwell Av.

13th Av. 14th Av.

15th Av.

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

St.

Black Oak Dr. Countryside Dr.

eld

Black Oak Dr.

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Bristol Rd. Av. 24th Av.

Fox Ledge Ct. 32nd Av.

Culpepper

Savannah

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Tanglewood Cr.

Fairfield Dr.

Fairfield Dr. Mansfield St. r Ridge Ct.

Hillside St.

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

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

Westridge St. Hillside Ct.

Pioneer St.

Sangre Rd. Murphy St.

Squires St.

Charles Dr.

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

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19th Av.

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Emma Swim Ave.

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

177

a Ct.

51

P rrey

Su

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Knotts Av.

Lewis St.

Lincoln St.

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

Liberty Ct.

Ivy Ct.

Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Country Club Rd. Windsor Dr. 2nd Ct. Kea ts D r.

Abbey Ln. Windsor Dr.

Oak Ridge Dr. Basin Ridge Dr.

e Dr.

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

R

d. Walking Trail Dr .

ge

18th Ct.

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

Scott Av.

Dr. Park Cr.

Ramsey St.

Airport Ln.

Monroe St.

Land Run Dr.

tD r. W rig h

d. sR ces

Preston Liberty Cr. Cr.

Airp ort Ind ustr ial A c

Valley Dr.

Mark Circle

Charolais Dr.

Warren Drive

Valley View Bradley Pl. Sangre Rd.

Keely Ct.

Range Rd. Crosswinds

Stoneyb rook St.

k Cree lder

Bou

Vil la

ge drid W oo

Shiloh Creek

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

18th Av.

Lyndsey Ct.

Range Rd.

t.

wbric

Chapel Hill

10th Av.

3rd Av.

l.

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Austin Ct.

yC

Shadow Creek Ln.

Scissortail Dr.

Stillwater NewsPress • Friday, November 12, 2021

kor

Persimmo

C8

Wil

Hic

Westbrook Ct. 15th Av.

Yello

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St.

Dells Av.

Wiley St.

t.

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Summer Hill Ct. Germaine Ct.

ld

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Keller Dr. Lakeview Ct.

d Dr.

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Mercury Av.

Liberty Dr.

woo

d lan

od Wo Crestview Av.

Cove

Sunset Av. University Av.

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

Country Club Dr.

Murphy Dr.

Charring Cross

rC

liff

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

Woodlake Dr. Deer Creek Ct.

Canterbury

Bria

Richfield Ct.

Dr.

Ashbury

11th Av.

Ga

St. Tyler Av.

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

Arrowhead Pl.

Arrowhead Av.

5th Av.

Aggie Dr.

ood

Kenslow Dr.

e

nshir

Devo

Admiral Av. Sherwood Av.

4th Av.

Prescot Dr.

w gle Tan

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10th Av.

8th Av.

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51

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9th Av.

coln

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nw

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t.

dC

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2nd Av.

8th Av.

Rd.

Scott Av.

Miller Av.

Virgina Av.

7th Av. 8th Av.

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Wil

Thomas Av.

t Dr. nw hurs r. Gle D

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Franklin Ln.

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

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Hall of Fame Av.

1st Av.

4th Av.

mer

McElroy Rd.

Tyler Av.

Farm Av.

3rd Pl.

Boo

Reese Landing

Walnut St.

Tyler Av.

Harned Av.

Mohawk Av.

e Lak

Brooke Jefferson St.

Knapp

Oak Crest Rd.

Eastland Dr. Marcus Dr.

Swim Av.

Brooke Moore Franklin

Eskridge Av.

3rd Av.

Boomer Lake

Osage Dr.

oke r. Brollow D Ho

Hereford Dobi Ln.

Vena Ln.

Windsor Cr.

Parkway Dr.

Liberty Rd. Preston Av.

Lakeview Rd.

Airport Rd.

Newman Av.

Hillcrest Av.

Lakeridge Av.

Rutledge Dr.

Windmill Ln.

Dr.

. Dr

St.

d Win

177

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Memory Ln. Country Ln.

Airport Rd.

ore

Tobacco Rd.

te Sta

r.

Av.

Preston Ln.

State Ln.

Lisa Ct. Lori Ct.

lD mil

Liberty

t.

Cheyenne Av.

w illo

Harned Av.

Dr.

nC

Arapaho Av.

W

Newman Av. Hillcrest Av. Brown Av.

age

Wil liam

Pa rk Gr vie ee w C nv r. ale Cr Da . vis Ct.

Washington St.

Ranch Av. Cherokee Av.

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Ute Av.

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Me

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Rogers Dr.

Hartwood Av.

Pecan Hill St.

ers

Rog

B

Stillwater Municipal Airport

Richmond Rd.

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

Golf Dr.

Falls Dr.

No Open Houses

gate Dr .

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

Stonecrest Ct.

Hartford

Richmond Hill Rd.

Washington St. Garfield St.

Hunters Ridge

Stonecrest Ave.

Lynn Ln.

North

Benjamin

Husband Pl. Northgate Dr.

St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

nd Husba

• Open Houses may be canceled in the case of inclement weather. If you have questions, please call the hosting REALTOR®.

Quartz Dr.

Chateau Pl. Peaceable Acres Rd.

• All Open Houses are Sunday unless otherwise indicated.

Lakeview Rd.

Ct.

yon

Can

Chateau Dr.

Week of Sunday, November 14, 2021

8th Ct. 9th Ct. Trenton Av.

Burris Rd.

Burris Rd. 177

Chateau Ct.

OPEN HOUSEMap

McMurtry Rd.

Jardot Rd.

Perkins Rd.

Yost Rd.


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