Junior Achievement of Tulsa, OK, is a non-profit program which teaches students, kindergarten through twelfth grade, age appropriate finance programs. Through this organization, students learn about world economy, the stock market, budgeting, and how to write a check.
Darryl Baskin, of Baskin Real Estate Specialists, is a volunteer with Junior Achievement. He recently spent a few hours volunteering at “Finance Park”. Finance Park is one of the programs offered by Junior Achievement, and was developed to give students an idea of how their education affects family planning choices.
Students participating in Finance Park utilize a program running on an iPad and are presented with a simulated career and salary. The student makes real-life choices based on their virtual income, such as selecting a car, house, health insurance, and budget for childcare. If they make a mistake, such as choosing the wrong health insurance, they receive an error and have to re-do it. Once they are complete, the program then gives them a real life situation, such as “you just got a flat tire”. The student must work out a solution to the problem.
Junior Achievement puts together a framework for students and teaches how to adjust to financial issues. The program educates kids by applying what they learn in school and demonstrating how to be realistic with finances, including groceries, bills, and insurance.
The programs are run by volunteers who teach life appropriate materials. The volunteers have an opportunity to show the students they have the power to change their life. If you have any interest in volunteering, or for more information on Junior Achievement, contact them at jaok.org.
For more real estate questions, contact The Baskin Real Estate Specialists of eXp Realty at 918-732-9732 or darrylbaskin.com
Smoke Detectors And Your Tulsa Property– The current code in Oklahoma requires that smoke detectors be hard wired with a battery back up. In the last 5-7 years Tulsa EMP inspectors will flag the detectors if there is more than one wire in the breaker for your smoke detector. We recommend people change their smoke detector batteries in their Tulsa home once per year. A good time to remember is to change batteries during Daylight Savings Time or some other time or holiday that will help you remember every year to change your detector batteries. Don’t wait until you hear the chirp from your smoke detectors in the middle of the night.
Also remember that smoke detectors do expire. The material that is used to detect the smoke has a life expectancy. The lifespan is usually 5-7 years. When this time comes, or if you haven’t changed them in 20 years, throw them out and have them replaced. A good idea if you are changing them out in your Tulsa home is to go with the dual detectors that detect smoke detectors and carbon monoxide (is usually found in heat and is deadly and has no smell). Any wood or oil based product will produce carbon monoxide. The code in Tulsa now says you have to have 1 smoke detector for every bedroom and 1 for any common area or hallway outside the bedrooms as well as 1 on each floor. You can add more than 1 but that is the minimum. For all your Tulsa electrical repairs and remodeling, contact Murray Electric at 918-835-9605 or www.murrayelectric.com.
QUICK TIP– Homestead is an exemption of $1000 off the millage of your Tulsa home. This averages $90-130 savings each year. It also lasts every year you own the home. Also realize that this can be beneficial in some instances of financial problems. You have until March 15th to get Tulsa county homestead filed. Go to assessor.tulsacounty.org to fill out application for Tulsa county homestead exemption.
Common Last Minute Mistakes on a Tulsa Title and Abstract. One common problem we find in Tulsa closings is mistakes with name spellings. We must make sure we get all names correct. The names must match on the abstract and deed. Another problem is getting the correct signatures when closing on Tulsa property. One signature to buy, two to sell is a common phrase used in Tulsa real estate. For example, you buy a property when you are single but then get married. Generally we will ask for the spouses signature at closing. This can be confusing but is very important to get right to avoid further problems. These things revolve around the marriage laws in Oklahoma. For more information on Tulsa Country Abstract and Title, contact Guaranty Abstract at 918-587-6621or www.guarantyabstract.com.
Court Appointed Special Advocates are volunteers that go into the courtroom to give neglected and abused children a voice in court. When a child is removed from the home due to allegations of abuse or neglect a judge can appoint a CASA volunteer. Parents in most cases have to prove that they can get the kids back. Judges must make a life altering decision based on papers and in a short amount of time. The CASA Volunteer will speak with the child, parents, attorneys, case workers, foster parents, teachers, doctors, therapists and will relay this information to the judge so that they can make a well informed decision. To become a CASA volunteer, contact tulsacasa.org.
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Do your kids needs insurance for college? It may seem a little too late to think about that now that school is in session, but it’s not too late to protect your valuables! Did you know that an estimated $5,000 to $10,000 worth of stuff is taken to college by each college student. Consider not only clothing and books, but also cell phones, laptops, and all the other things that are packed and moved each year. Depending on your students location, school, and degree, there may be even more value in those things needed to complete their degree. The average homeowners policy allows for 10% of the contents to be off premises. That is typially coverage C- contents. This is the same coverage that would be used when you’ve had items stolen while on vacation or if you’ve had items stolen out of your car. So remember that if you and your spouse take things off the premises and your kids do as well, you could easily be over that 10% limit. Consider the value of the items that your student has taken off your property (and remember to include all the other items taken off as well. If it is more than the amount allowed in your policy then consider additional coverage. Also, remember to consider what you would do if the item was damaged or stolen. Could you afford to replace it? Renters insurance is another possibility if your student is living off campus.
A couple of final tips. First, educate your kids about identity theft. Identity theft can cause serious damage to their credit report and can be very difficult to clear up. The more educated your students are, the better they can protect themselves against identity theft. Second, remember that auto insurance generally goes with the car. That means that if your student lets their friends borrow the car, those kids are essentially borrowing your insurance. Finally, consider adding an umbrella to your policy. This will provide excess liability to your policy in case of harm or damage to persons or property above the coverage of your policy. Insurance for college can be very important but remember, as with all your other insurance decisions…. do your research and talk to your insurance agent about your policy and any additions needed. For more information on protecting yourself, your family, and your belongings, call Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.
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As a Tulsa Realtor I am always being asked about choosing the best Tulsa neighborhoods. When helping clients choose a neighborhood I start by asking questions.
Why my clients are moving?
What do they need/what is important in their new home? Do they need a good Tulsa area school district? Are they concerned about crime, desire walkability, want to live in the country?
How in demand is the neighborhood? What is on the market now? What has sold recently? Are homes in that neighborh0od selling? Sometimes the contrast of what the demand is, is not always very clear.
How does the future look? We often fail to consider our future needs. Although we can’t predict the future, we can thin ak ahead and be wise when we make our purchases now. Consider what the demand will be for the neighborhood in the future. Also, remember to think about what you might need in the future? Is it possible that you might need room to care for a loved one? If you are older, is it possible that you might need a handicap accessible home?
These types of things can be a challenge for a buyer, but can also be a challenge for a Realtor. When you hire a Tulsa Realtor with experience, they can help guide you in a good path and help you remember important facts that you might otherwise forget. For help in choosing the right Tulsa neighborhoods contact Rick Gissler of The Baskin Real Estate Specialists at 918-884-8010.
Bixby Public Schools review from Superintendent Dr. Kyle Wood
Bixby Chamber Business at Lunch presents Bixby Public Schools Superintendent, Dr. Kyle Wood on the state of Bixby Schools in Bixby, OK. Bixby Schools test scores, student population, growth of the district, performance of Bixby schools, and other helpful information for business leaders and parents interested in Bixby Schools review.
Home shoppers want to know reviews for Bixby Public School before making a decision of where to buy a home. eXp Realty, TTCU The Credit Union, and V-Tulsa Magazine are pleased to sponsor this update on the Bixby OK school district for parents and home shoppers considering buying a home in Bixby schools.
Bixby Schools have one main high school campus in the original downtown area of Bixby. The allure of Bixby is its community feel and the location of the high school represents this well. Bixby schools has recently upgraded their football stadium with new seating and all weather turf. The agriculture program at Bixby is highly regarded for its quality as well as music, football, and robotics. The well-rounded education opportunities have generated good Bixby Schools reviews from parents and educators alike.
Bixby, OK is the fastest growing city in Oklahoma. Once called the “Garden Spot of Oklahoma”, Bixby was a small farm town with rail service and rich soil. Today, Bixby is home to a booming shopping district, world-class park, and growing residential areas of high-grade construction and luxury homes. Search Bixby homes for sale here and watch the video to learn more about quality education with Bixby Public Schools review.