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News Press Stillwater


February 11, 2021

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1124 Whitney Court


Stillwater NewsPress • Thursday, February 11, 2021

First ‘printed’ home goes up for sale DEAR DAVE: Some time ago, you wrote about a company that was developing a system to “print” a real home. Did it ever get off the ground? ANSWER: Yes. In fact, a three-bedroom, 1,400-squarefoot home erected in Long Island, New York, by SQ4D Inc. became the first 3D-printed home to be marketed for sale on the Multiple Listing Service just a few weeks ago. Many small 3D printers have been making various types of household items, toys and the like, over the past several years. Most use heated plastic (as opposed to ink) to create the finished product. SQ4D takes the process to a whole new level. Its large but portable machine uses cement to “print” the main components of a home directly on the construction site: Robots essentially built the Long Island house’s footings, foundation and interior and exterior walls. The company says its system can create a home in a matter of days, not the several months it takes to build a traditional sticksand-bricks house. And, by sharply reducing the time and number of laborers needed to complete the project, it can

About Real Estate DAVID MYERS drastically slash construction costs. “At $299,999, this home is priced 50% below the cost of comparable newly constructed homes ... and represents a major step toward addressing the affordable housing crisis plaguing Long Island,” said Stephen King of Realty Connect, the agent who is marketing the innovative new house. You can see the home and learn more about its construction process by visiting the builder’s website at sq4d. com. ••• REAL ESTATE TRIVIA: Labor costs account for about 40% of the construction of a new home, according to real estate website homeadvisor.com. Permits, design fees and materials make up the rest. ••• DEAR DAVE: You recently wrote about how a homeowner can deal with a neighbor’s howling or destructive dog. But what should I do about my neighbor’s cats,

which don’t make much noise (unless they are in heat) but poop and pee a lot on my lawn and in my garden? My neighbor says that keeping them indoors 24 hours a day isn’t feasible, and the local animal shelter and law enforcement agencies won’t do anything about the problem because all the cats are licensed and neutered. ANSWER: That’s a good question. While it’s easy to call a police officer or sheriff to report a noisy dog or one that roams onto your property, it’s a lot harder to capture a cat or to blame its owner for any destruction that the felines might cause. Most small hardware and pet supply stores, which I hope that you are visiting to keep them in business during the pandemic, sell commercial sprays that can deter cats from defecating or urinating on your property by replicating the smell of coyotes or

other natural predators. Just make sure to get one that is organic and nontoxic, so it won’t hurt animals or plants. A costlier alternative is to purchase one of the many systems on the market that emit a high-frequency sound that cats can’t stand but is inaudible to humans. You could also take a more do-it-yourself approach. Cats don’t like strong citrus scents, according to experts at the conservation-oriented David Suzuki Foundation, so consider mixing lemon or lime peels directly into your soil. Other feline turnoffs include rue, lavender and pennyroyal. Adding a few of these plants to your garden could solve your problem while simultaneously attracting bees and other beneficial insects. My friend said his neighbor has a cat and talks to the feline daily. The neighbor swears that her cat understands her. “That’s so stupid,” my buddy said. “I went home and told my dog about it, and he and I shared a big laugh together.” ••• DEAR DAVE: My husband and I like the idea of creating the type

of inexpensive living trust that you sometimes recommend, because our two kids could inherit our house without wasting a lot of time and money on probate court proceedings. But could we put our home into the trust even though we still owe about $57,000 on it? ANSWER: Sure. Like you, most people don’t own their home “free-andclear” of a mortgage -- but there’s nothing to prevent them from transferring the property into a money-saving living trust. By law, a simple will is required to go through formal probate proceedings to validate the document’s authenticity and allow anyone who objects to file a lawsuit. This process can take several months or even years to complete, often forcing the heir (or heirs) to spend thousands of dollars for an attorney and countless hours in court. Conversely, a well-drawn living trust is a private document that can quickly transfer a home or other property to someone else without a court review. And, because the trust document won’t go before

a judge, it won’t automatically be entered into the public record. That makes it extremely difficult for nosey neighbors or sue-happy relatives to see what you left and to whom you left it. ••• Our booklet, “Straight Talk about Living Trusts,” explains how even low- and middle-income homeowners can now reap the same benefits that creat-

ing an inexpensive trust once provided only to the wealthiest families. For a copy, send $4 and a self-addressed, stamped envelope to D. Myers/Trust, P.O. Box 4405, Culver City, CA 902314405. Net proceeds will be donated to the American Red Cross. Send questions to that same address, and we’ll try to respond in a future column. (c)2021 Cowles Syndicate Inc.

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Planting bare root trees Keith Reed, the Horoverlooked-causing at planting. Avoid to develop roots into problems later on. a pile of fertilizer in the surrounding soil ticulture Educator in the Payne County Prepare the plantthe bottom on the because everything Extension office. ing hole by digging hole as direct contact is readily available During the Covidmuch wider than with the roots is close by. This is anthe root mass, but harmful. Additives other common cause 19 slowdown, Keith no deeper. This is an such as peat moss or of failure as the plant can be reached via email at keith.reed@ important step as it potting soil should matures. okstate.edu. To access gives plenty of loose be avoided as they soil for roots to begin can create a “flowerFor more informa- OSU fact sheets, go to https://extension. their lateral growth. soil test indicates a tion on this or any incorporated into the pot” effect. This is a okstate.edu/factDigging the hole situation where the other horticultural need for a particular back-fill soil or apdeeper than needed plant has no need topic, you can contact sheets/ nutrient, it can be plied as a top dress is likely to cause settling, leaving you with a tree that is planted too deeply. This is a common cause for tree failure, Terry Essary Dolores Lemon Tiffany Aranda Cheryl Moody especially in tight Realtor Associate CRS, CRB, GRI GRI, CRS Office Manager soils. The upper405-742-6424 Broker/Owner Broker Associate 405-747-7822 405-714-1214 most roots should be just below the soil www.stw-realestatepros.com downtownstw.com surface when the 405-372-5151 tree is planted. Any John Lurry Downtown Office - 723 S. Main Street graft unions should Assistant Melissa Woods Bringing Buyers & Sellers Together .... Professionally remain above the GRI NEW LISTINGS AND PRICE CHANGES ground. Realtor Associate 2022 Forest Ridge, Stw. - 3bed, 2bath, 2car garage, 2019 sq. ft. - $333,135 - Donna 405-385-2035 Staking should be 2109 Forest Ridge, Stw. - 4bed, 2bath, 1half bath, 2car garage, 2399 sq. ft. - $395,835 - Donna on an “as needed” 319 W Hert, Perkins - 3Bed, 2bath, 2675 sq. ft. - $185,000 - Lori 2020 N Manning St. - 3bed, 2bath, 2car garage, 1356 sq. ft. - $172,000 - Ann basis. If the tree is 321 E Moses St., Cushing - 3bed, 2bath, 1half bath, 2car garage, 3268 sq. ft. - $195,000 - Amy Kyle Bottger very small, it may do 801 S. Burdick - 3bdrm, 2.5bath, 1371 sq. ft. - $87,000 - Tiffany Realtor Associate 1436 E Moses, Cushing - 3bed, 1.5bath, 1935 sq. ft. - $116,000 - Kyle fine without staking. 405-612-6724 2022 Forest Ridge, Stw. - 3 bed, 2 bath, 2019 sq. ft., Scotthaven - $333,135 - Donna If it is larger or has 2109 Forest Ridge, Stw. - 4 bed, 2.5 bath, 2399 sq. ft., Scotthaven - $395,835 - Donna Donna Rhinehart 319 W Hert, Perkins - 3 bed, 2 bath, 2675 sq. ft. - $185,000 - Lori a well-developed GRI, CRS 321 E Moses St., Cushing - 3 bed, 2.5 bath, 3268 sq. ft., 2 level - $195,000 - Amy Realtor Associate branching structure, 2020 N Manning St. - 3 bed, 2 bath, 1356 sq. ft., Eastridge - $172,000 - Ann 405-612-0509 2812 Fox Ledge - Sangre Ridge - $265,000 - Ann staking at planting is 5917 Chateau Dr. - SALE PENDING - 2.3 acre lot - Beautiful Home - $390,000 - Donna advised. Some upper 1436 E. Moses - Cushing - 3bed - $116,000 - Kyle Ann Morgan 5202 W. 3rd - 3bed, 2bath, WestPark Addn. - $210,000 - Ann trunk movement is Realtor Associate 2701 W. 20th - 4bed, 2bath, SW Area - $219,900 - Tiffany 405-614-9600 fine as long as the 2917 N. Husband - 4bed, Boomer Lake View - $306,500 - Tiffany base of the tree does 2221 W 3rd Ave. - SALE PENDING - 4bed, 2.5bath, 2car garage, 2654 sq. ft., LOCATION, LOCATION - $274,000 - Amy 4901 W. Crestview - SALE PENDING - $475,000 - Lori not move around. Amy Parsons 5607.1A S. Mehan - 15 acres m/l Just North of 68th 7 Mehan - $127,500 - Tiffany GRI Finish the instal5607.1B S. Mehan - 12 acres m/l Just North of 68th & Mehan - $100,200 - Tiffany Realtor Associate 5607.1C S. Mehan - 14.5 acres m/l Just North of 68th & Mehan - $121,075 - Tiffany lation with a good 405-714-0882 4220 W. Prescot Dr. - 3bed, 2bath, 2car garage, 1315 sq. ft. - $214,888 - Ann watering and then 810546 S. 3450 Rd., Agra, OK - 160 acres of Rural Paradise Barn/Pond/Hunting - $750,000 - Kyle Cole Graves 7110 Norrie Ln., Stw. - 4 10 acre tracts or 40 acres - $400,000 - Lori apply several inches Realtor Associate 302 S. Main, Agra - 3bed, 1bath, 1.5stories, Large Lot - $38,000 - Kyle 405-334-3588 of mulch around the 306 N. Carney, Carney - WHY PAY RENT? 2bed, 1bath, 993 sq. ft. - $42,000 - Kyle 4711 Deerfield Dr., Stw. - Unique, One-Of-A-Kind 63.77 acre ESTATE - $3,999,000 - Dolores planting area. The 321 W. Broadway, Drumright - 4bed, 2bath, 1852 sq. ft., Historic Drumright, OK - $92,500 - Kyle larger the mulched 4 S. Grant, Tryon - 2bed, 1bath, 1car garage, 1272 sq. ft. - $71,500 - Kyle Lori Kastl area, the lesser 6020 Laquinta Dr. - SALE PENDING - $710,000 - Tiffany CRS 1505 N. Council Creek, Glencoe - 3bed, 2bath, 1454 sq. ft. on 40 acres m/l - $299,900 - Lori the competition for Realtor Associate 207 E. Maple Ave., Perry - 2bed, 1bath, 1 car garage, Storm Shelter, 1131 sq. ft. - $78,500 - Dolores Don Zhao valuable moisture 3337 W. Charleston Ct. - SALE PENDING - Nice lot in Berry Creek, a gated community - $39,900 - Donna 405-880-2844 Realtor Associate 0000 E 56th - 81.10 acres m/l ¼-mile West of Rose Rd. - $308,000 - Lori and nutrients. A 202-848-2120 2707 W. 44th - 15.86 acres ,Will Divide, Look for signs West of Western - $317,000 - Lori 4-foot turf-free circle Cedar Oaks & 19th - 7.48 acres m/l in City Limits - $350,000 - Lori 3317 E 6th - Commercial Buildings Great for Restaurant - $649,000 - Melissa around a new tree 6019 S Country Club Rd. - 60 acres ready for you to build. - $550,000 - Tiffany would not be too ex13th & West - 25.94 acres in the city limits zoned ag. - $120,000 - Dianna 0000 S. Country Club Rd. - 20 Acres on Paved Road - $200,000 - Ann treme. 3919 W. Rutledge Dr. - 5bed, 3.5bath, 3715 sq. ft. DON’T MISS THIS ONE! - $559,000 - Ann Jennifer Oliver Concerning the 4717 S. Turtle Pond Ct. - Great ½-acre m/l Lot for your building pleasure - $45,000 - Tiffany GRI Dianna Norman 6800 W 68th 70 acres at 68th & Western Split your way! $525,000 Lori addition of fertilizer Realtor Associate Realtor Associate N. Washington Rd. 151.8 acres m/l, OH the Possibilities! $2,352,900 Lori 405-612-4984 580-761-3926 or soil additives, if a

Home Grown


Stillwater NewsPress • Thursday, February 11, 2021


In general terms, the odds of a successful tree planting can be significantly increased if the planting is done in the fall. Fall planting allows the tree time to begin to develop its root system without the stress of supplying water to rapidly growing leaves. However, as in most things plant related, there are exceptions. Bare root trees are one of those exceptions. This is not so much an optimal planting time issue as it is a plant availability issue. Bare root trees must be dug and prepared for delivery when they are dormant and kept in cold storage until delivery. This means a spring planting for us. Consider the following suggestions when planting your bare root trees. As soon as the trees arrive, unpack and check their condition. Cover the roots with damp cloth or paper (shredded paper works very well) and store them in a dark, cool area. Immediately prior to planting, soak the tree roots in a bucket of clean water for several hours. This will help the plant begin to wake from dormancy. Now is a good time to remove any string, labels or tape that might cause girdling as the tree grows. This is one of those seemingly simple little tasks that often get


I stopped spending for a month, and you can too ER THAN I THOUGHT Part of the reason In January, I took why I never previup a no-spend chal- ously attempted a lenge. That’s right no-spend challenge – I refrained from is because I thought making nonessenit would be too tial purchases for stressful and, ultione whole month. mately, ineffective. With my travel But breaking my and entertainment usual spending habexpenses basically its was surprisingly nonexistent during easy. For me, the the pandemic, the key was creating a challenge really plan and not makboiled down to two ing it overly restriccategories: shopping tive. and food delivery. After my first few I’d never done a times reflexively spending challenge opening the Target before and didn’t or Amazon apps, I know what to exrealized I mostly pect. Would I give shop online out of up immediately? If boredom. So I deI succeeded, how cided to reserve two much money would apps specifically for I actually save? mindless scrolling: Here’s what Instagram and happened, what I Twitter. learned from the Once I exhausted experience and how those, I’d have to you can try it, too. put the phone down and find another I HAVE MORE way to pass the WILLPOWtime. Usually, I’d By Lauren Schwann


Stillwater NewsPress • Thursday, February 11, 2021


opt to read a book or do laundry, both of which were much more productive and much less expensive. The urge to shop dwindled by the day. I took a different approach to takeout food. My husband and I agreed to cut back rather than cut out so we could continue supporting local businesses. Plus, between busy work schedules and taking care of our child, we appreciated having breaks from cooking. Knowing that I didn’t have to deprive myself completely took some of the pressure off.

to-have was tricky at times. When some stray cleaning spray left a noticeable bleach stain on my jeans, my impulse was to order a new pair. Replacing ruined clothing isn’t the same as shopping for the heck of it, right? But the more I thought about it, the less I could justify the purchase. I have more jeans in my drawer. Besides, I’m working from home and wear yoga pants most days anyway. I ultimately decided against it. I did, however, buy a new pair of shoes for my 1-year-old son in THE LINE BEthe next size up. He TWEEN NEEDS technically didn’t AND WANTS IS need them yet, but OFTEN BLURRY I considered this a Determining necessity because whether an expense he could outgrow qualified as a neces- his current pair at 1-3 sity or just a niceanyn.moment.

n Ope


I ENDED UP by cooking more SAVING HUNoften and using up DREDS OF DOLwhat we had. We LARS netted out about I made only one $100 in savings per purchase in the week on food – so shopping catego$400 for the month. ry for the month When I add it all of January: the up, I spent roughly aforementioned $500 less in Janbaby shoes for $27. uary than I would Normally, I would have if I hadn’t set spend closer to $150 my no-spend goal. per month on nonNot a bad cushion essential shopping. for my emergency That means I was fund. able to save over $120 on shopping in I HAVE MORE just 31 days. WORK TO DO As for food, my Despite successhusband and I pre- fully completing the viously spent about no-spend challenge, $240 per week on I still spent more lunch and dinner than I would have deliveries. liked. It turns out By scaling back to my essential exroughly two orders penses need attenper week from six, tion, too. Rent, utilwe dropped that ities, child care, car total down to about payments, diapers $80. and other recurring Our grocery bills get expensive. spending increased, 3I can’t eliminate all but not significantn. 1 these costs, but my u S ly. We noticed n that goal for the near Opeless food future is to trim at we wasted

least some of them. For example, my utility bill was $32 more in January than in December. Perhaps I’ll start there. Time to unplug my beloved space heater and put on extra layers. IF I CAN DO IT, SO CAN YOU It’s OK if you’re hesitant about starting a no-spend challenge. I was, too. I hope my experience encourages you. But your journey doesn’t have to look exactly like mine. Start by understanding your own spending habits and goals. Then, you can create guidelines you’re comfortable with. Have faith in yourself and give it a shot. Remember, it’s New progabout making Price! ress, not achieving perfection.

Co-living, perhaps model of the future Square and Lot, an innovative owner and developer of premium-quality, mixeduse properties in the Washington-metropolitan area, brings an inventive co-living option to Capitol Hill. In January of 2020, Square and Lot broke ground on the construction of Viva, a 47-room co-living apartment building in Capitol Hill that encompasses 19,000 square feet. Then something happened: two months into construction, COVID

arrived and disrupted how individuals live their daily lives. The outlook on co-living quickly evolved and so did Square and Lot. One of their key principles is remaining both malleable and creative to be able to strategically adjust to market conditions and fluctuations. The demand to adapt housing to the shifting world was imminent. Square and Lot took major steps: outdoor spaces became even more crit-

ical and they hired landscape architect Joseph Richardson to transform the rear of their co-living building into a beautiful outdoor oasis with a comfortable living area and kitchen. They invested to strengthen air quality: they upgraded the HVAC with a whole house HEPA (*Note 1), a mechanical air filter that traps 99% of harmful particles it encounters. Truthfully, being in a co-living apartment building with HEPA and UV

light filtrations offers one of the safest living environments one could live in. Square and Lot designed the co-living beds to have dedicated bathrooms. With 95% of the bedrooms having an en-suite bathroom, Viva boasts limited shared common elements. Square and Lot’s organizational priority of building the healthiest and safest housing can additionally be recognized in their selection of fixtures. – Submitted

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Page Provence, CRS Broker Associate (405) 612-0194

Fisher Provence, REALTORS®

(405) 377-1000

It’s not just GameStop worrying Wall Street By Stan Choe AP Business Writer

than corporate profits. The two tend to track each other over the long term, so big dissociations give pause. One measure popularized by Yale’s Shiller looks at the S&P 500’s price against profits produced by companies in the prior 10 years, adjusted for inflation. Since 1881, only once has it been more expensive than it is now — during the dot-com bubble. It came close just before the crash that helped usher in the Great Depression. IPWhoa — Massive support from the Federal Reserve means dollars are sloshing around markets looking for investments, and young and money-losing companies are rushing to take advantage by selling their stock to the public for the first time. Companies raised more than $60 billion last year through IPOs of their stock, the most since the dot-com bubble peaked in 2000, according to data compiled by Jay Ritter at the University of Florida. Within tech companies, only 19% of IPOs were for profitable companies last year, compared with the more typical 49% of the last two decades. SPAC, CRACKLE, POP? — The fervor to invest in the next hot young company

is so voracious that some CEOs are skipping the IPO step altogether. Instead, they’re selling themselves to companies armed with cash by investors and tasked to find young businesses that don’t yet have shares trading in the public market. Such special purpose acquisition companies, or SPACs, have exploded in popularity. Last year, SPACs raised $76 billion from investors, up from $13 billion a year before. In the first three weeks of 2021, they raised another $16 billion, according to Goldman Sachs. For all the worries, much of Wall Street is still optimistic, forecasting more gains ahead. COVID-19 vac-

cines have raised expectations that daily life will get closer to normal this year and return the economy to health. If earnings rise a lot and stock prices make only modest moves, prices would look more reasonable, and that’s precisely what much of Wall Street expects to happen. Back in early 2018, the market was in the midst of a long and powerful run, and the S&P 500 was nearly as expensive as it is now by some measures, prompting talk of a bubble. The bull market powered on, however, right up until the pandemic hit. Then, there’s the Fed. Past bubbles have popped after the Federal Reserve started raising interest rates in hopes

of cooling off an overheated economy or markets. For now, the Fed seems to be years away from doing that. It’s even said for the first time that it’s willing to keep rates low for a while after inflation tops its 2% target. With rates so low, investors don’t have much choice for good returns outside of stocks. Margie Patel, senior portfolio manager at Wells Fargo Asset Management, said the Fed has pretty much signaled to Wall Street that it won’t allow for a big market downturn. “As long as interest rates are this low,” she said, “it’s really hard for me to see how you could have much of a correction in stocks.”

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aren’t present today, such as investors talking about a “new era” for the economy. He also said that it’s difficult to predict when the market will run out of momentum and turn lower. “People often extrapolate trends, and they go on longer than you ever think,” he said. “And then they disappear.” Here’s a look at the causes for concern driving the bubble debate: DAY-TRADING FRENZY — The most glaring example of excess sweeping Wall Street now is GameStop’s stock, which soared 1,625% in January. Shares of the struggling video game retailer have since fallen, but they remain way beyond a price Wall Street analysts say is rational based on its profit prospects. Other money-losing companies have surged as well, showing how easily some investors are pushing up prices for an investment, despite its risks. And with smaller investors driving much of the action, experts are making comparisons to the shoeshine worker giving stock tips in 1929. NO DISCOUNTS TO BE FOUND — Perhaps more worrisome is that prices have been soaring across the stock market at a much faster pace

Stillwater NewsPress • Thursday, February 11, 2021

NEW YORK – Now, even the pros on Wall Street are asking if the stock market has shot too high. U.S. stocks have been on a nearly nonstop rip higher since March, up roughly 70% to record heights and causing outsiders to say the market had lost touch with the pandemic’s reality. But Wall Street kept justifying the gains by pointing to massive support from the Federal Reserve, lifesaving deliverance from COVID-19 vaccines and efforts by Congress to pump more stimulus into the economy. Recently, though, some of the market’s action has become tougher to explain, and not just the maniacal moves for GameStop. Some investors are so hungry for huge payoffs that they’re pouring into investments without knowing what their dollars will go toward. And by some measures, the broad stock market looks more expensive than it did before the 1929 crash. All the fervor has Wall Street openly debating whether the market is in a dangerous bubble, after months of batting away the possibility. A bubble is what happens when prices for something run

much, much higher than they should rationally be: They’ve been a regular occurrence through history, going back to tulips in the 17th century and pets. com at the close of the 20th. “It is a privilege as a market historian to experience a major stock bubble once again,” the famed value investor Jeremy Grantham, who has correctly called several major market turning points, wrote in a recent paper. “Japan in 1989, the 2000 Tech bubble, the 2008 housing and mortgage crisis, and now the current bubble – these are the four most significant and gripping investment events of my life.” To be sure, most professional forecasters say the U.S. stock market is not headed for a crash, just slower returns than before. But those optimists are having to do more work convincing others. “You might say a bubble occurs when people think that the market is going to go up but worry that it may drop,” said Robert Shiller, a Yale professor who won a Nobel prize for his work on explaining stock price movements. “That is where we are.” He said the market looks vulnerable, but he cautioned that some hallmarks of a classic bubble

Millennial Money: Get tough money tasks off your to-do list YOUR ‘WHY’ “Giving yourself a 10-item to-do list Nothing sparks of tasks you won’t procrastination enjoy is the perfect quite like a to-do recipe for procraslist of financial tination,” Meera tasks. Sometimes Meyer, a financial the only thing scar- planner in Boulder, ier than making Colorado, said in a financial choice an email. Meyer in the first place has her clients reis making the view their financial WRONG choice, goals, then considwhich can happen er why an item is when you don’t on their to-do list totally understand in the first place. what you’re doing. Cross-checking your In that sense, the goals with your list default – standing may inspire you to pat – is often easkeep that list short. iest. This exercise can Tackling monalso help you priorey-related chores itize the remaining can be difficult even tasks, so you know for those of us who exactly where to get write about this started. stuff for a living. DIVIDE BIG The mere mention TASKS INTO of rolling over old SMALL BITES 401(k)s elicited eyA big, vague goal erolls from a few of is a surefire path to my colleagues in a inaction. But when recent video meetyou break that goal ing. But delaying down into pieces, these tasks can cost it begins to feel you a lot in the long doable. Even a tiny run, like if you’re step is progress. paying fees on the “Sometimes, just bank account or downloading that credit card you plan initial statement to switch, or you’re is the jolt you need delaying opening an to get on track,” investment account Meyer said. “A lot and missing out on of the time, once possible gains. you’ve downloaded Thankfully, you that statement, you can trick yourself realize that you into productivity might as well keep by rethinking how on going through as you approach your much of the process financial to-do list. as you can.” START WITH Lauren Martin of By Sara Rathner


Stillwater NewsPress • Thursday, February 11, 2021


Portland, Oregon, describes herself as a diligent saver, and that left her with a good problem to have: what to do with additional savings once she fully funded her emergency account. She set a goal of opening her first taxable brokerage account, but she found the prospect of taking that first step toward investing to be daunting. “It seemed like it was for other people, like wealthy people or day traders,” she says. “It was still a couple months before I actually went through with it because the process seemed intimidating.” Learning more about how to open and fund a brokerage account, as well as understanding any tax implications of selling investments, helped Martin feel ready to take action. To her surprise, she realized how little time each step took. “It was super easy,” she says. “I built it up to be this crazy complicated thing. It took me maybe 10 minutes to open the account.” DO THE RIGHT KIND OF RESEARCH

Research and comparison shopping are a big part of making a financial decision and can help you feel confident in your choices. But eventually, the research must end and the action must begin. If you feel stuck, here are some ways to move forward: — IDENTIFY WHERE YOU LACK KNOWLEDGE: You may be afraid to make a move because you have unanswered questions. List your knowledge gaps and start finding answers. Articles from reputable sources can help, as can talking to experts like a financial adviser. — SHOP AROUND, BUT

WITHIN A LIMITED SCOPE: If you’re seeking a new financial product like a bank account or credit card, comparison websites and other resources can help you weigh contenders. Be careful, though. It can be easy to get trapped in this phase, paralyzed by the overwhelming number of products on the market. Limit yourself to a handful of options. — WHEN IN DOUBT, ASK FOR HELP: Sometimes picking up the phone can save you hours of searching online to identify the steps you need to take. When Matt Iadone of Boston decided to roll over an old 401(k) into

a new account, he hesitated because he didn’t know how to begin. He called the account providers and got the forms he needed to fill out. “It was actually a fairly simple process,” he says. “Once I learned the steps, accomplishing the goal was easy.” HOLD YOURSELF ACCOUNTABLE You’ve prioritized your goals, picked the one to tackle first and broken it down into small tasks. Now, assign deadlines and set calendar reminders to nudge you along the way. It may help to work with an accountability buddy – whether that’s someone you share expenses

with, like a partner or roommate, or a friend who’s working toward their own goals. Regular check-ins with your buddy can encourage you to get stuff done. You may also turn to a financial planner or coach who can assist you in crossing items off your list. The important thing is to get started. “Don’t put off things that are going to be important to getting your financial future on track, because time is money,” Martin says. Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @ SaraKRathner.



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Stillwater NewsPress • Thursday, February 11, 2021





Westbrook Ct. 15th Av.

3rd Av.

Scott Av.

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

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t Dr. nw hurs r. Gle D



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te S

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Richmond Rd.

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Golf Dr.

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Stillwater Municipal Airport

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.

RE/MAX Signature 1. 4121 Westbrook Dr. – 2-4 p.m. ... Rachel 2. 1124 N. Lincoln St. – 1-2:30 p.m. ... Heath and Ashley

Windsor Cr.

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Washington St. Garfield St.

Hunters Ridge

Stonecrest Ave.

Lynn Ln.



Husband Pl. Northgate Dr.

nd St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.


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February 11 Real Estate Weekly  

February 11 Real Estate Weekly