News Press Stillwater
REALESTATE W E E K LY
September 9, 2021
Mortgage rates continue to hover at all-time lows, marking the ninth consecutive week that rates have averaged below 3%
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fp 405 S. Husband St. - Page Provence “Opening Doors Since 1984”
Fisher Provence Realtors Inc.
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1415 N. Benjamin St. - Shannon Cowan
Stillwater NewsPress • Thursday, September 9, 2021
Parents ponder paying college kid’s room and board It’s sometimes a better choice for parents to purchase a home to shelter their college-bound student at school rather than pay rent for a pricey on-campus dorm. DEAR DAVE: Our daughter will be heading off to a university in another state this spring, and the room and board we would pay for a dormitory unit that she would share with another student will be nearly $15,000 a year. We could instead buy a small home in the area, and our annual payments for the mortgage and property taxes would be about the same. Would buying a home there instead of paying for rent in a dormitory be a good idea? ANSWER: It certainly could be, but there are a lot of factors that must be considered before you make your final decision. First and foremost, you’ll need to research the home’s area to see if prices there are likely to keep rising, have remained stable or seem to be ready for a fall. A good real estate agent in the community should be able to provide some insight, as can internet sites such as Trulia.com, Zillow. com and Realtor.com. You obviously don’t want to buy in an area that has been left out of the nation’s years-long housing boom, or
where prices seem to have “topped out” and may be poised for a decline. Also remember that managing a property that’s far away from your own home involves some special issues. Though I’m sure that your daughter would do her best to keep the house in good shape, you still probably need to hire a management company or individual contractors to mow the lawn, make needed repairs and perform other common maintenance duties. Now, the upside: If the home is in a good area where prices are rising (as most properties in communities near four-year universities are), you could sell the home for a profit after your daughter graduates or even give it to her as a first step in what would hopefully be a long history of homeownership. Also, if the home has two or three bedrooms, your daughter could help you find a suitable tenant or two to rent the extra space. The rental income could then be used to help pay the property’s mortgage costs or to help your kid cover her other expenses. As a bonus, you would also be able to take a big tax-deduction for the property’s overall operating costs and other special write-offs that only owners of rental property are allowed. That includes valu-
sales deposit back if their loan application is not approved. My husband and I recently visited a lender and were preapproved for a $310,000 loan, and we have found a house that we would MYERS like to buy for only $284,000. Is a financ••• ing contingency still DEAR DAVE: required? Would damage ANSWER: A ficaused by a lightning nancing contingency strike be covered by is never required in my homeowners ina purchase offer, but surance? it is always advisable ANSWER: It to include one -- even should. The typical for buyers who wisepolicy, commonly ly get preapproved referred to as an for a mortgage before HO-3, covers most of they begin hunting the damage caused for a new home. by a lightning strike. Most real estate That includes fire or deals today include smoke damage to the such a contingency, house, or even a tree which allows buyers that might be hit and to cancel a sale and then falls on a fence get their deposit back or wall. if their mortgage ••• application is not apDEAR DAVE: proved. You recently wrote Even though your that all homebuyers bank has preapshould include a “fiproved a mortgage nancing contingency” for you to buy a in their purchase house, it has the agreement so that legal right to cancel they can get their its decision and deny
ABOUT REAL ESTATE
DAVID able “depreciation” deductions, which essentially allow rental-property owners to write off their cost of buying and improving the property on a pro-rated basis each year even though it may be going up in value. ••• REAL ESTATE TRIVIA: Students at publicly run fouryear colleges and universities pay an average of $11,451 for on-campus room and board, according to a new report by research firm EducationData.org. Those at for-profit universities pay less – $10,654 – but usually have to pay much more in annual tuition.
914 S. Rock Hollow Ct
Welcome home to a great neighborhood (Crosswinds) and your beautiful home. Built in 2004 with over 2,300sf, 4beds/2bath, and a bonus sunroom this home has a lot to offer. Located at the front of a dead-end road limits the traffic in front of the house. As you walk into the house you are greeted with the oversized Dining area which leads to the large living area with a gas fireplace. The kitchen has ample cabinet and counter space with an island for additional storage and food prep. The bedrooms are split with the master on one side of the house and the other 3 bedrooms on the other side. The master suite has plenty of space with a door out to the sunroom. The master bathroom has dual sinks with a separate shower and jacuzzi tub. The sunroom offers a nice bonus space with multiple options including potentially adding heat/air to the room to use it year-round.
the loan for any number of reasons – including the loss of a job, a sudden illness that leaves you unable to work or even the mere filing of a groundless lawsuit against you that could tie up your personal assets in court for months. The lender may also yank or modify your preapproval if you sign a contract to buy a house, but the appraiser then determines that the property is worth less than you agreed to pay. Considering all these potential pitfalls, savvy buyers always include a financing contingency in their purchase offer to protect their good-faith deposit and then get the
money back if the deal falls apart. ••• Our booklet, “Straight Talk about Living Trusts,” provides the information readers need to determine whether forming an expensive trust to pass their home and other assets quickly to their heirs would be a good idea based on their individual circumstances. For a copy, send $4 and a self-addressed, stamped envelope to D. Myers/Trust, P.O. Box 4405, Culver City, CA 90231-4405. Net proceeds will be donated to the Wounded Warriors Project to help disabled vets and their families. Send questions to that same address, and we’ll try to respond in a future column.
NEW LISTING - 1916 W 9th - 2 BD/1 BA/1 car garage. Very neat one-owner home close to park. Large open living room, dining room and big utility room. Original hardwood floors, built-in shelving and a new room in July 2021. Wood fence and storage shed in back yard with trees.......$145,000 115 N. Boardwalk - 3 BD / 3 BA / 2 car attached garage in NE Stillwater .......................................................... $222,500 5120 W. 5th - 3 BD / 2 BA / 2 car garage in SW area. Lots of storage and spacious backyard.............................. $228,500
712 Devon Street - Commercial office building has over 3000 s/f....................................... PRICE CHANGE $380,000
Planting trees in heavy clay soil HOME GROWN KEITH REED Horticulture Educator in the Payne
County Extension office. Keith can be
reached via email at email@example.com, phone at 405-747-8320, or in person at the Payne County Extension office, located at 315 W. 6th in Stillwater. Oklahoma State University, as an equal opportunity employer, complies with all applicable
federal and state laws regarding non-discrimination and affirmative action. Oklahoma State University is committed to a policy of equal opportunity for all individuals and does not discriminate based on race, religion, sex, color,
national origin, marital status, sexual orientation, gender identity/expression, disability, or veteran status with regard to employment, educational programs and activities, and/ or admissions. For more information, visit http://eeo.okstate.edu.
502 N.Hollow BurdickCt- -342bdrm/3 1623 s bath/Large ft Close to Lot/North Sho in & - 225 000 - Donna- Tiffany 1919 Brooke ofSchools OSU Campus! - $343,000 2023 Ave - Large corner outbuilding. Over 1900 sq-ft$129,000 $248,000 -–Tiffany Tiffany 6000E.NLinda Pennsylvania Ave #43lot - 2with bdrm/2.5 Bath 3BR/2.5BA Condo Oklahoma City 814 S. Rock Hollow Ct.Cir - SW / over Sq 1990 sq 3ft/SCC Golf Cart access $274,000- –Lori Tiffany 5215 Spring Creek E -area 2/1 1253 ft on Lots with a Barn - $299,900 K. 9715 E. Horizon Dr.W- 50 x 60 livestock onLot 5 acres with- no restrictions $100,000 – Lori K any 4713 Country Club - barn NICE for sale $25,000 - Donna 0 W.Oaks 19th Ave - 7.48Lots acres citynew limitshome $350,000 – Lori -KDonna Shumard - 5 Nice forinside you toStillwater build your - $27,000 - 3BR/1.5BA, 1.5lots story large lot 1371 District/starting sq ft $89,000 – Lori PENDING! 1408 N. M 801 S. Burdick 00 – Lori 4517 Scotthaven Addition - Nice Large in on Perkins School at -C$45,500 - Donna Broker Associate S. Richﬁeld Ct. - 3BD/2BA 1775 sq ft $305,000 – Tiffany 20JMehan1115 onna 5607 S Rd - 52.5 acres for Sale Will Divide Ripley Schools - $349,000Lori -Lori Tiffany 10 405-612-6724 2923 N. Monroe - 3BD/2BA 2321 sq ft $208,000 – Tiffany PENDING! n 00 E 810 Rd., Tryon - 53.34 acres. Hunting/Building/The possibilities are endless - $224,028 - Kyle 7917 Pickles Gap - Nice large lot in Perkins School District $22,500 – Lori 1218 W 12th - 4 Commercial Lots in a very High Traffic area/starting at $255,000 - Ann 6021 Hallies Meadow NEW CONSTRUCTION 4BD/2BA 2347 sq ft $379,900 – Lori y$630,000 1408SN. MaiRoad, 810546 3450 Agra - 160Rd Acres Hunting/Farming/Building possibilities are endless - Kyle PEND iffany – Lori 5005 N Perkins - 4000 sq ft warehouse - Oh the The possibilities $399,900 – Donna - 5,900 3000 S. Range Rd 4bed 4.5 bath on 3.2 acres $845,000 Tiffany/Dolores 5706 W. Garden Pointe Dr. - Gated Community 3BD/3BA, 2754 sq ft $550,000 – Ann S. Boomer Rd - Nice Commercial for sale -Trails $2,245,000 - Tiffany– Tiffany 3618 W.3215 Fountain View Ct. - 5BD/2.5BA, in groundBuilding pool - Woodland addn $362,900 211 E.208 Main St., Coyle -- 4BR/2BA 64 Unite Storage INVESTMENT - $185,000 - Donna a N. Donaldson 1851 sq ftBuilding - close toGREAT shopping & schools $205,000 – Donna 719 Kar 505 S. Morton Ave. - Ripley Ok Cute home across from the School - $75,000 - Lori K. 0 - Tiffany 910 Kansas St. / Pawnee - 1936 farmhouse / 1 acre lot with outbuildings $129,999– Tiffany r ri 2923 N. Monroe - 3 bdrm/2 Room. One block to Boomer Lake - $219,000 - Tiffany 11 415 iffan W. 80thbath/Study/Game - 52.65 acres rural property, no restrictions $300,000 – Lori N Glenwood Ct. - 9 lotsStillwater platted for duplexesunit close Boomer unit Lake$395,000 - $420,000 - Tiffany S. Main - Downtown commercial plustoapartment – Tiffany 29000617 Tiffany $22,500–- Lori Lori 7917 Pickles Gap large lot in Perkins 830456 S. 3354 Rd -/ Nice Carney -3BR/2BA 1468 sqSchool ft - out District building -$199,900 719 Karen , 0 - Tiffany 111 E. Tower / Perry 3BD/1BA 1118 sq ft $79,800 – Tiffany 1408 N.6021 Hallies Meadow - NEW CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 - Lori ,900 - Lori N. Burdick - 3BR/2BA 1623 sq ft Close to- shopping & schools $209,000 – Donna 5005502 N Perkins Rd. - 4,000 sq. ft. warehouse Oh, the possibilities - $399,900 - Donna 2923 920 1/2 S. Duck 2 Investment properties, 2 homes, 5 bedrooms total PRICE $160,000 – Amy iffany 5706 W.920, Garden Pointe Dr. .- -Gated Community 3BR/3BA, 2,754 sq. ft. - NEW $540,000 - Ann W./ 80th - Commercial building and shop on $4,000,000 – Lori 35,900 1408 N. M 101St. - Lori 910 Kansas Pawnee - 1936 farmhouse / 1-acre lot 11.5 with acres outbuildings - $129,999 - Tiffany 354 S. Cou4517 ,500 - Tiffany Lakeview -rural 10 acres NW ofno Stillwater $300,000 – Lori - 0Lori - Lori 415 W. 5011 80th W. - 52.65-acres property, restrictions - $300,000 522 E. 12th - Commercial building in downtown Stillwater $250,000 – Lori - Tiffany 617 S. Main Downtown Stillwater commercial unit plus apartment unit $395,000 354 Tiffany PENDING ,900 - Tiffany 354 2620 S. Black Oak Dr. - 4BD/3BA, 4813 sq ft Georgian elegance & style $950,000 – Donna - ffany 111 E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany 1304354 & 1 1012 45,000 - Lori iffany N. Manning St. 3BR/2BA storm shelter, outbuilding $195,000 – Tiffany PENDING! 920, Duck - 2 Investment properties, 2 homes, 5 bedrooms total - $160,000 - Amy PENDING - 920½ S.2218 W. 3rd - Close to campus 3BR/2BA 2208 sq ft $239,000 – Tiffany - - - ,000 -Tiffany 1304 & - Lori 101 W. 80th - Commercial building and shop on 11.5-acres - $4,000,000 - Lori 1408 N. Main / Perkins- 4BD/3BA 2098 sq ft NEW CONSTRUCTION on golf course $325,000 – Lori 5011 W. Lakeview - 10-acres NW of Stillwater - $300,000 - Lori 4517 Jenna Ln. - 3BD/2BA 1756 sq ft NEW CONSTRUCTION $266,900 – Lori E. 12th - Commercial building in downtown Stillwater - $250,000 - Lori Tiffany 115 E. 80th - 14.5 acres m/l Just North of 68th & Mehan - $121,075 - Tiffany 354354 S.3 522 -Kyle Tiffany 2620 S. Black Oak203 Dr. E- 4BR/3BA, sq. ft.on Georgian elegance & style - Donna 80th - Nice4,813 large ofﬁce 3 acres m/l $950,000 – Lori- $950,000 354 S306 Cou Tiffany . -700 Kyle 270/Perkins -7 - ,-Lori - -Lori 1408 N. Main - 4BR/3BA, 2,098 sq. ft. NEW CONSTRUCTION on golf course $325,000 - Lori 2707. 3202 E 2nd - 4BD/2BA 1717 sq ft Split ﬂoor plan $175,000 – Ann 24 PENDING 1304 2707 & 1306 S4 sq.- Lori ft. - $135,000 - Lori W. 317 4517 Jenna 6038 Ln. -Haydans 3BR/2BA, 1,756- 4BR/2.5BA sq. ft. NEW2183 CONSTRUCTION -Lori $266,900 - Lori Lori Brook sq ft $349,000 – 202 5 - Donna 115 E. 80th - 14.5-acres m/l just north of 68th & Mehan - $121,075 - Tiffany 6 2112 N. Monroe - 2 Commercial buildings on 3 acres $600,000 – Dolores 203 E.Rd. 80th- Land - Niceforlarge on 3-acres m/lrestrictions - NEW PRICE $1,200,000 - Lori – Tiffany 354 S. Council sale office in Crescent, OK - No 33.5 acres m/l $167,000 - Ann - -PENDING 3202 0000 E. 2nd 4BR/2BA, 1,717 sq. ft. Split1371 floorsq plan - $170,000 . S. as- 801 -Ann or S. Burdick - 3BR/2.5BA ft $87,000 – Tiffany Brook 4BR/2.5BA, sq. ft.of- Western $349,000 - Lori – Lori ffany W 6038 44th Haydans - 15.86 acres - will -divide, look for2,183 signs west $317,000 474 2707 .2112 , any N.Cedar Monroe - 2&Commercial buildings - $600,000 - Dolores Oaks 19th - 7.48 acres m/l inon city3-acres limits $350,000 – Lori N. n Rd. - 151.8 acres m/I, OH the Possibilities! - $2,352,900 - Lori 601 00 -fany Lori 0000 S. Country Club - 20 look Acresfor onsigns Pavedwest Road $200,000- -$317,000 Ann 2707N. W 44th - 15.86-acres - willRd. divide, of-Western - Lori Lori Crosby 4717 S. Turtle Pond Ct.&- Great m/l Lotm/l for in your - $45,000 Montie Stewart Cedar Oaks 19th -.-acre 7.48-acres citybuilding limits -pleasure $350,000 - Lori - Tiffany Monty Stewart Realtor Associate 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- Pond - Great .-acre-m/l lot for - $45,000- -Lori Tiffany PENDING 6019 Ct. Gunnar Springs 4 bed, 2.5your bath,building 2,183 pleasure sq. ft. - $349,000 405-612-4184 405-372-5151 405-372-5151 900 - -Lori N. Washington Rd. - 151.8-acres m/l, OH the Possibilities! - $2,352,900 Lori
slightly above grade as well as digging the hole 2-3 times wider than the root ball, even wider if it is a particularly tough site or important plant since lateral root growth is of greatest importance. It is not helpful to try to amend the soil in the backfilled hole with sand, peat moss, or some other amendment. In some cases, this can even be detrimental. Think of the planting hole as a clay pot. The roots will happily grow and circle in the amended soil (pot) but will resist putting the effort into expanding beyond the amended area, taking the path of least resistance. This leaves you with a very happy plant for a year or two, but with a severely compromised root system over time. Complete the planting with a good layer of mulch. As you know, the tighter the soil gets, the harder it gets when dry. A new tree simply cannot out-compete a drying soil for available moisture, especially if the soil begins to crack. Mulch helps insure a consistent level of moisture and a stable temperature, both things the new plant appreciates. For more information on this or any other horticultural topic, you can contact Keith Reed, the
Stillwater NewsPress • Thursday, September 9, 2021
With fall tree-planting season fast approaching, the time is right to talk about dealing with a common problem the majority of us in Payne County face; heavy clay soils. While some tree species of trees can do fine (some even preferring) these soils, many struggle. Fruit trees such as peaches are one popular example. While it’s not practical to replace the soil, there are some things you can do to improve a tree’s opportunity to thrive. Heavy soil isn’t all bad; everything else being equal, it is likely going to contain more nutrients and has a greater water-holding capacity than a sandy soil. Drainage (or lack of) is the problem. Roots must have water, but they must also have plenty of air. The roots can’t get to the air if the soil remains water logged for an extended period of time. (Note, there are always exceptions in the plant world. A bald cypress is a great example of a tree that can do just fine growing directly in water). Roots also need room to grow. The tighter/heavier the soil, the more difficult it becomes for new roots to penetrate the soil. These are the two primary reasons we recommend planting trees
Treehouses return in style tle mini-houses, or sheds and treehouses,” Brookhart said. Anthropologists She sometimes believe our ancient rents the treehouse human ancestors out online, and to spent their time in her surprise, lots of trees, so it should be people want to use no surprise we love it. treehouses today. “For me, it’s this Treehouses of all magical place,” she kinds are experienc- said. “I have to block ing a renaissance. off a bunch of weekWhen an acreends just so we can size slice of land in spend time there Gold Hill, Colorado, too.” came on the market Treehouses have earlier this year, proliferated during local resident Jesthe pandemic. There sica Brookhart, 41, are stylish backyard snapped it up for ones built by profes$80,000. sionals, and makeThe draw for her: shift ones thrown The house was a up just to escape the treehouse. four walls of home. It was a place she There are listings on could hang out with sites like Airbnb for her husband and treehouses to camp two young boys. in. “I had never been Unlike the rickety inside it, but had treehouses of yore, admired it from a many of these new distance,” she said, ones have been upadmitting it was an graded. Most are emotional purchase. still accessed with a The man who ladder, however, reowned the land had quiring you to climb. built the treehouse As pandemic lockwith materials from downs droned on, a recycling center in Nanci and Ethan neighboring Boulder. Butler of Newton, The structure can fit Massachusetts, two adults and two decided to build a children. There’s no backyard treehouse bathroom or running for their two kids. water, and a squat Ethan, an engineer, potty is outside found treehouse down on the ground. floor plans online There’s a camping and modified them stove for cooking, to accommodate and water has to be their family. brought up. From Building the house the windows, you was a family affair, can see Longs Peak and in about three and the Continental months, the Butlers Divide. had a beautiful hide“Since I was a away with built-in little girl, I was bunk beds and a obsessed with litfront deck. They By Tracee Herbaugh
Stillwater NewsPress • Thursday, September 9, 2021
enjoyed some nights camping out in it. Then, on a serene day about three weeks after it was finished, a big oak in the yard broke in two. Part of it fell directly onto the treehouse, crushing it. Carpenter ants had brought the tree down. “It was traumatic, I was stunned,” Nanci, 45, said. “But we were also so saturated with despair at that point. Nobody cried.” More people have been drawn outdoors and into nature during COVID, and treehouses are part of that pattern, said Jeff Galak, associate professor of marketing at Carnegie Mellon University’s Tepper School of Business. “They are an attempt to do something fun and interesting and away from other people,” Galak said. Part of treehouses’
popularity, he said, is parents’ desire to create more backyard amenities so kids will go outside. Nostalgia is another part of it. “Nostalgia is a huge driver for consumers in general,” he said. “People are being creative with how they engage with that type of nostalgia.” Business is booming for Aaron Smith, who owns the Fort Collins, Colorado-based treehouse architecture firm Treecraft Design-Build. He started it in 2015, and now employs a second designer and eight carpenters. “In COVID times, I saw a spike in requests for backyard treehouses just because everyone was at home and the kids needed to get out of the house too,” Smith said. His treehouses have ranged from a basic backyard
structure costing around $10,000 to a livable treehouse with indoor plumbing for half a million. He has clients all over the country. On social media, a variety of treehouse hashtags on TikTok pulls up millions of results. On Pinterest, searches for “treehouse homes” are up sevenfold from the year prior. And treehouse rentals have their own section on Airbnb. For many people, basic is OK for treehouses. Jim Brook, a 71-year-old grandfather in Breckenridge, Colorado, built his three grandsons a small platform treehouse nestled among some aspen trees a few years ago. “I love to introduce them to nature and
encourage them to play outdoors, so a simple structure with a metal pole ‘fireman’ exit seemed like it would be fun,” Brook said. “At times we have also set a small tarp overhead and a carpet remnant on the plywood platform.” Others like their treehouses with a bit of luxury. The Mohicans Treehouse Resort in Glenmont, Ohio, is packed with amenities for those who want to enjoy the outdoors with the comforts of modern living. The nine treehouses (and two under construction) at Mohican are indeed built with supporting trees, but they have the feel of a fancy hotel: black walnut or
cherry wood floors, 100-year-old barn siding, nice linens and throw pillows, indoor plumbing, air conditioning and heat. One of the treehouses on the property, Little Red, was featured on the Animal Planet series “Treehouse Masters.” Another one, White Oak, has a ground-level entrance, making it wheelchair-accessible. “The goal was to have them available all year round, with all amenities,” said Laura Mooney, who owns the resort with her husband, Kevin. “We didn’t want guests to have to go to a shower house. They could stay in the treehouse and everything is there.”
Open Sunday 1-3 P.M.
THERE’S A NEW LAND MAN IN TOWN! Montie Stewart
1116 E Hanson | $299,000
4 Bedroom, 2 Bath, 2300 sq ft in great location.
LINDA SCHMIDT Listing Agent 405.880.3048
723 S. Main Street, Stillwater, Oklahoma 74074
Rein in impulse spending MILLENNIAL MONEY
“The desire to make impulse purchases lessens, I think, because I know I have the permission to make an impulse purchase if I choose to.”
it by redeeming that aligns with credit card rewards your goals and valfor cash back or ues, Klontz says. statement credit He suggests if it makes sense. choosing a spend(Some credit cards ing limit that merits discussion. Lauren Miller lessen the value of rewards when you For instance, if a Massachusetts resident redeem for certain purchase exceeds options.) $100, then it may But if impulse be worth running ney. spending, she gave spending is conby an accountability Avoiding the herself $20 to use stantly causing you partner. Another inside of the store at each store. Over to stray from your option is to use someans “you’re not time, that amount budget and get into cial media followers seeing those sealowered to $5 per debt, it may be to stay accountable. sonal items and store as she emtime to reevaluate Miller, as a content those flashy marbraced the habit. creator on YouTube, keting strategies,” Since she frequents spending habits or speak to a credit documents her she says. These can only about four counselor or finanprogress on social often lead to imstores per month, cial therapist. media platforms by pulse buying. the total doesn’t sharing her plans to Some retailers dent her budget. 5. GET AN ACstick to a shopping may charge for “The desire to COUNTABILITY list. curbside pickup make impulse purPARTNER or require you to chases lessens, I An accountability This article was spend a certain think, because I partner can help provided to The amount to waive know I have the Associated Press by the cost. You’ll have permission to make you dissect your reasoning for a pur- the personal finance to weigh whether an impulse purwebsite NerdWallet. it’s worth paying a chase if I choose to,” chase. They don’t have to offer an Melissa Lambarefew dollars to avoid she says. the potential cost of If you exceed your opinion, just an ear. na is a writer at The goal is to hear NerdWallet. Email: impulse spending. allowance, take yourself talk about mlambarena@nerdIf you have to go that amount out of it out loud and wallet.com. Twitter: into a store and the next month’s budmake a decision @lissalambarena. urge wins, do an get, or supplement online price comparison of the item, suggests Longo. “See if you can find something similar at a better price or Dedicated professionals providing unrivaled service. maybe on sale,” she says.
114 W. Hall Of Fame • Stillwater • 405.533.3000
OPEN HOUSE • SUNDAY, SEPT. 12th 814 S. STONEYBROOK ST. 12:30-2:00 JAMES
1014 N. DRYDEN CIR. 2:00-4:00 BELINDA
307 S. BERRY ST. 2:30-4:00 JAMES
4. GIVE YOURSELF A SPLURGING ALLOWANCE Build a personal allowance into your budget for potential must-have purchases. When Miller first started to curb impulse
Stillwater NewsPress • Thursday, September 9, 2021
significantly more money when using their credit cards instead of cash. He Since the COVIDsuggests keeping 19 vaccine started 24 to 48 hours to becoming available see if you still want a cash envelope to use in areas where in the U.S., there an item, suggests you tend to overhave been more Brad Klontz, a fiopportunities to nancial psychologist spend, like dining out, for example. impulse spend on based in Colorado. Also, minimize items and expe“Ask yourself: impulses by not riences that you Can I afford this? storing credit card didn’t get to enjoy Where am I going early in the panto put it? How am I information on websites or apps, demic. going to feel about says Kathy Longo, With the freethis purchase toa certified financial dom to do more, morrow? How am planner and presconsumers are I going to pay for ident of Flourish spending more. this?,” he says. Wealth ManageFor the first seven He adds that months of 2021, this pause can help ment, a financial retail sales were up calm the “emotional planning firm in 15.5% compared to brain” and activate Minneapolis. “It’s much easier that same period the “rational brain,” to be like, ‘I’ll look in 2020, according the one that holds to calculations by you accountable to- at it later because I’m not going to go the National Retail morrow. Federation. If you can’t bring find my purse and get my credit card,’” As some restricyourself to wait, she says. That time tions have eased, a store’s return can indirectly make it’s likely that policy may prove you’ve had new useful should regret you rethink a purchase. spending needs: set in. The return Once you do returning to work, protection benefit charge a purchase visiting with friends on a credit card, to a credit card, pay and family, and if available, can it off in full to avoid partaking in other also offer a backup interest and save back-to-normal acoption. When you money. For large tivities. But when make a purchase purchases, consider the nonessentials with the card that threaten to put offers the benefit, it using a card with a 0% introductory your finances in can provide a winAPR. jeopardy, it’s imdow of time to file portant to keep a claim and receive 3. USE CURByour financial goals a refund when a SIDE PICKUP on track. retailer’s return Many retailers Here are five policy fails. have offered curbstrategies to help side pickup since you navigate im2. PRACTICE the start of the pulse spending. SAFE CREDIT pandemic. It’s one CARD HABITS 1. WAIT A DAY Credit cards may option that Lauren Miller, a MassachuOR TWO help or hurt, deWhen you feel pending on how you setts resident, uses to stay on track in that overwhelming spend. Klontz says her debt-free joururge to spend, wait that people spend By Melissa Lambarena
Manage retirement health care costs ing it untouched for the best ways to to the American as long as possible. approach this issue Association for In 2021, you can is to plan for it: Long-Term Care save up to $3,600 How long do you Insurance. Or you Health care in pretax as a single intend to stay in might consider a retirement is a your home? Where hybrid insurance big-ticket item. Ex- person or up to will you go when product that comperts estimate that $7,200 if you have family coverage. you can’t live there bines permanent an average 65-year“These accounts anymore? Who will life insurance with old retired couple in 2021 would need are the most tax-ef- help you with finan- a long-term care ficient plans availcial and health care rider. (You can use about $300,000 in able,” says Sallie decisions? the benefit to pass after-tax savings Mullins Thompson , “People don’t like money down to your earmarked for heirs or – if you health care costs in a certified public ac- talking about it their post-work life, countant and certi- because it’s uncom- need it – you can fortable thinking tap it for long-term even with Medicare, fied financial planner in New York about getting old care expenses.) according to FidelCity. “The main and people taking You could also ity. thing you need to care of you,” says self-insure by setThe totals are do is contribute to it Carolyn McClating money aside daunting, but you religiously whenev- nahan, a physiannually for longcan take steps to er you can.” cian-turned-CFP in term care expenskeep costs as low 2. MAKE A Jacksonville, Flores. The important as possible with the PLAN FOR LONGida. But planning thing is to consider right planning, good TERM CARE can help you preyour options while insurance choicA person turning pare for a change in you’re in your 50s es and a healthy 65 today has about circumstances. or early 60s, before understanding of a 70% chance of This could mean products get too exyour conditions and buying a traditionpensive. coverage. Try these needing long-term care at some point, al long-term care 3. GET THE strategies – now insurance policy, RIGHT MEDIand in retirement – according to the which can cost CARE PLAN to help control your Department of Health and Human thousands of dollars Choosing the best health care bills. per year, according Medicare policy 1. TAKE ADVAN- Services. One of TAGE OF AN HSA A health savings account allows NG I T you to put pretax money away for LIS medical expenses. W You can invest the NE funds, and both the principal and earnings are tax-free if you use them for eligible medical costs, 6401 N Range • $375,000. today or in the The best wrap around porch you will find! Vista views and a nice south future. This creates breeze. Custom built 3 bed, 3 bath house on 4.3 acres (+/-) built in 2007. a powerful savings Beautiful woodwork, crown molding and wood floors. Two bedrooms, tool. two bathrooms upstairs. Screened porch. Just 2 ½ miles to enjoy Lake McMurtry with all of its great amenities. Richmond To use an HSA, Elementary, Stillwater schools. you must have a high-deductible health plan. If that kind of plan makes sense for you, experts recommend saving money to your HSA and leavBy Kate Ashford
Stillwater NewsPress • Thursday, September 9, 2021
once you turn 65 means finding one that includes your preferred doctors and your regular medications, helping you avoid high out-of-network and out-of-pocket costs. You’ll also need to consider whether you want access to all doctors who accept Medicare – as with an Original Medicare plan – or whether you want a plan that comes with extra benefits but a more limited provider network, such as a Medicare Advantage plan. One way to approach Medicare is to find an agent who can help you compare options. Find someone who’s certified to sell as many carriers as possible, meaning
they’ll be able to present the full array of choices in your area, says Matt Chancey, a CFP in Tampa, Florida. 4. ASK QUESTIONS Be an active participant in your health care, no matter what life stage you’re in. When your medical provider orders tests, which can drive up your medical costs, make sure you understand why they’re being done. “Say to them, ‘What do you hope to learn from this, and is doing this going to change the treatment?’” McClanahan says. “It’s important to do that, because a lot of times, doctors order things
rotely. It’s part of their protocol and they don’t stop and think, ‘Is it really needed in this case?’” The same goes for prescriptions. Ask your doctor whether there’s something less expensive you could take, or whether there are changes you could make that would help. “A lot of doctors won’t spend the time talking about lifestyle changes, so they throw pills at people,” McClanahan says. “You can avoid a lot of medications just by doing the right thing.” Kate Ashford is a writer at NerdWallet. Email: kashford@nerdwallet. com.
405.624.2626 www.c21global.com 131 N. MaiN, Stillwater
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Stillwater NewsPress • Thursday, September 9, 2021
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r. k D r. r. 15th Av. Old Forest D D roo stb hire ar Charleston Cypress Mill We orks alam Y Sh
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