City of Tulsa Water Utility

To contact the City of Tulsa about your water utility call Customer Service at (918) 596-9511

The City of Tulsa offers many convenient ways to pay your monthly utility bill.

PAY YOUR WATER BILL FROM YOUR BANK ACCOUNT
You can have your monthly bill automatically withdrawn from your bank account.

PAY YOUR WATER BILL ONLINE
Access your utility account online to view information about your account and to make an online payment. Online payments are processed by ChoicePay and the fee for this service is $1.15 for a checking or savings account payment, or $2.95 for a debit or credit card payment.

PAY YOUR WATER BILL BY PHONE
Call Customer Service at (918) 596-9511 to make a payment from your checking or savings account, or with a debit or credit card. Payments by phone are processed by ChoicePay and the fee for this service is $1.15 for a checking or savings account payment, or $2.95 for a debit or credit card payment.

PAY YOUR WATER BILL BY MAIL
A return envelope is included with your utility bill. Checks and money orders are accepted through the mail. Can’t find your return envelope? Just mail your payment and remittance slip to:
Utilities Services, Tulsa, OK 74187-0002

PAY YOUR WATER BILL IN PERSON
You can pay your utility bill at the City Hall Cashier windows located on the street level of City Hall. Windows are open from 7:30 a.m. to 5 p.m. Payment can be made with cash, check, money order or credit card (Visa and Mastercard).

OTHER PAYMENT OPTIONS FOR YOUR WATER BILL
•    At an American Payment System payment center. There is a $1 fee for payments at the APS centers. (See list).
CUT-OFF If your account is in danger of cut-off, you can stop it by:
•    Paying the full amount of the past due portion of your bill at an authorized pay ment center, or
•    Making payment arrangements. You may call 596-9511 (7:30 a.m. – 6 p.m.) or visit City Hall (7:30 a.m. – 5 p.m.) to apply for a deferred payment plan.

NOTICE:  Please be aware it can take up to 10 days for your payment to post to your account if you choose to pay by mail or at an alternate unauthorized pay agency. Termination of service will occur if payment has not been posted to your account by the stated cut-off date.


Insuring Your Retirement Funds

Insuring Your Retirement Funds

It might sound strange to be told to insure your retirement funds, but after working hard and diligently saving all that money, wouldn’t you want to make sure that the funds will be there for you when you need them?

As you move into retirement, you are also moving towards age-related health problems. Events beyond your control, such as stroke, heart disease and cognitive impairment can change one’s way of life.

Many people are under the impression that government programs such as Medicare or Medicaid will cover the costs of long term care. Medicare will cover some skilled nursing for a limited period. Medicaid will only cover long term care costs for impoverished individuals. Health insurance does not cover nursing home or other long term care costs except for short-term rehabilitation.

Out of pocket costs for needed long term care resulting from age-related health problems such as home care, nursing home or assisted living will quickly deplete retirement funds and leave the remaining healthy spouse impoverished.

Long term care insurance is the answer to insure your retirement funds and provide protection so that the money stays intact and at the same time insurance provides a way to pay for elder care services.

In his book “ The Total Money Makeover ,” Dave Ramsey says of long term care insurance, “If you are over sixty, buy long term care insurance to cover in-home care or nursing home care. The average nursing home stay costs $40,000 per year, which will crack and scramble a nest egg in a heartbeat. Dad in the nursing home can use up Mom’s $250,000 savings in just a few short years.”

Long term care Insurance to insure your retirement makes sense. You insure your car against damage, your home against fire, and you purchase life insurance, so why not insure what can be the largest and most devastating risk to you and your family? And unlike the other risks you insure against, long term care is the most likely to happen. Long term care insurance will also help you keep your independence and dignity and allow you to make choices about where you want to spend your final years.

Here are some specific reasons for buying long term care insurance:

•  If you are married and you have a need for long term care, your spouse will be able to pay for an outside caregiver and receive needed rest and recuperation.

•  If your children promise to take care of you, then when the time comes that you need care, insurance will help them do that by paying for aides to help with tasks such as bathing and incontinence.

•  If you are single and a need for long term care arises and you have no family who can help you, insurance can pay for and coordinate that care.

•  If you have the desire to leave assets behind when you die, insurance will help preserve those assets from the cost of long term care.

“You should also consider buying long term care insurance at a younger age. There is an advantage for doing this. The premium is lower.

For example, a person, currently age 45, buying a typical policy with a spouse, could spend $21,146 in total premiums to age 78.

Suppose this same person chooses to wait to buy the equivalent coverage at age 65.

If that same policy were available in the future, the couple that waits could pay $52,566 in total premiums over their 13 remaining years to age 78. Because they waited, they would pay 2 ½ times more for the same policy.

In addition to the rates going up with age, the health qualifications will be stricter and development of health problems related to aging may even disqualify a person from obtaining a policy.” “The 4 Steps of Long Term Care Planning,” National Care Planning Council

There are dozens of long term care insurance companies selling a multitude of different policy options. It can become very confusing. For each policy, there are literally thousands of benefit combinations for home care, assisted living, nursing home care, waiting periods, payment amounts, inflation riders, and the list goes on.

You can take the time to do your own research or find a competent long term care insurance agent.

Here is a checklist of some of the things you need to know before you purchase a policy.


LONG TERM CARE INSURANCE BUYING CHECKLIST

The more “yes” answers you get the better off you are.

1) Is the insurance company rated by A. M. Best (the rating company) with a rating of at least A, A+ or A++?

2) Is it a large diversified company with deep pockets and selling more than just long term care insurance?

3) Is the insurance representative an expert in long term care insurance? (Because of its complexity, almost all LTCi experts onlysell LTCi; they seldom sell anything else.)

4) Does the representative have a degree and/or industry financial designations?

5) Does the representative own a personal long term care insurance policy for himself or herself?

6) Is the policy you like tax qualified, and if not, do you understand the ramifications?

7) Are there at least 6 ADL’s (Activities of Daily Living) allowed for in the benefit certification?

8) Does it allow “standby assistance”?

9) Is it a “pool of money” as opposed to a “stated period”?

10) Is it “integrated” as opposed to “2-pool”? (2-pool is not allowed in many states.)

11) Do you understand how the elimination period works? (This is extremely important.)

12) Does it have prohibitive cost containment provisions?

13) Is there any “capping” or other future reduction of automatic benefit increase riders?

14) Do you understand how the waiver of premium works?

15) Does the assisted living facility benefit pay the same as for nursing home?

16) Are you buying adequate home care coverage?

17) Does the company have a history of premium rate stability without periodic increases?

18) Does the policy pay for homemaker services?

19) Does the policy offer an alternative plan of care for services that don’t exist today?

The National Care Planning Council provides a list of long term care insurance specialists and on its website at www.longtermcarelink.net .


2008 YTD Numbers for Tulsa Housing Market Outperform National Averages

NEWS RELEASE

FOR IMMEDIATE RELEASE
DATE:
January 26, 2009

Contact:  Mike Cotrill, RCE
Chief Operating Officer
(918) 663-7500
[email protected]

2008 YTD Numbers for Tulsa Housing Market Outperform National Averages TULSA, OK (January 26, 2009) –

2008 YTD Average Sales Price

In 2008, amid what most consider the worst financial crisis of our time, Tulsa home values remained stable. The local 2008 YTD average price outperformed the national market. The Tulsa MSA average price YTD showed a slight increase from $146,354 in 2007 to $147,118 in 2008. Nationally, the average price of homes sold in 2008 fell 8.6%; it should also be noted that nationally the average price of $243,100 is almost $100,000 more than the local average of $147,118. GTAR noted that as one major strength of the local market; Tulsa has always had significantly lower prices than most of the country which allows buyers to get more house for their money.

Although prices have fallen nationally, lower prices are the stability of the local market. When other markets experienced rapid price increases, we remained steady at reasonable growth rates. The number of closed transactions in December 2008 were 3 fewer than that of a year ago; nationally, sales increased 6.5%.

National Sales Prices Compared to Tulsa
National Average Real Estate Prices compared to Tulsa Area Real Estate Prices

The Greater Tulsa Association of REALTORS® (GTAR) statistics are published monthly by GTAR based on the Northeast Oklahoma Real Estate Services (NORES) multiple listing service data. The statistics are based on residential properties in the Tulsa MSA (Metropolitan Statistical Area), which is defined as a standard government based area. The Tulsa MSA currently includes seven counties: Tulsa, Creek, Osage, Rogers, Pawnee, Okmulgee, and Wagoner.

The Greater Tulsa Association of REALTORS® is a real estate organization whose Northeast Oklahoma members are united to provide services; to promote education, professionalism, and ethical standards in order to assist members in better serving the public and protecting the free enterprise system and private property rights.

For comments on the statistics, contact NORES President, Gloria Allred at 481-8200 or GTAR President, Harriett Dunham at 825-2847.


CyberTips Newsletter – April 2006

As your real estate consultant, my goal is to be an adviser. Here is some home buying advice.

With the variety of homes available today, buying a house can often seem like an overwhelming task. Knowing where to begin can make the process more manageable for potential homebuyers.

Focusing on three major areas – location, personal taste and budget – can help buyers narrow their search and select the best home for their needs. Commuting time, quality of schools and style of the home are all factors that can determine your satisfaction with a home. It is also important to establish what you can afford ahead of time to ensure that you are looking at homes within your price range.

Do a little research on your own to determine your personal tastes and learn more about a location that interests you, or if you are considering purchasing a new home, feel free to contact me and I can provide you with valuable information on local communities and help you determine a price range that fits your needs.

Contact me and use my free HomeFinder Service to make your house search very simple.

And a new web site to visit – http://www.mytulsahomefinder.com/

Now, here’s my monthy E-Newsletter which will provide you with Cyber Tips and Tricks along with pointers to Internet places of special interest to real estate owners, buyers, investors and related professionals.

Just click the link below to access your copy of the most current issue of “Real Estate CyberTips,” the archives are there, just make note of which issue you want..

Newsletter Links and Archives

########################## *****************
REAL ESTATE CYBER TIPS April 2006
########################## *****************

*******IN THIS ISSUE*******

CYBER TRICK #1 Fly This Magic Carpet

CYBER TRICK #2 Music Magic

GREAT PLACE #1: Bird Flu Central

GREAT PLACE #2: Get Your Image Act Together

***********************

~~~~~ CYBER MAGIC TRICKS ~~~~~~~

***********************

TRICK #1 Fly This Magic Carpet

Want to get away? How about visiting the Eiffel Tower — the Millennium Wheel — the Egyptian Pyramids — or some of the beautiful places in your favorite city — or even your hometown?
This great place is the leading spot on the web for live web cams with the most comprehensive search engine of web cams from around the world. They will zip you in real time to live images of some of the world’s most interesting and unique views and events. You can search by keyword or simply browse through the categories and subcategories. You can see what is happening around the world right now — 24 hours a day, 7 days a week.
Watch out though — this place is addictive.

********************************************

TRICK #2 Music Magic

*********************************************

This is neat. Just create a “station” by telling these folks what kind of music you like. Shazam — any time you want, just click the station and enjoy the type of music you identified – exactly as you ordered it. No downloads – no cost – just a little ad or two along the way.
This tool is so simple it’s scary. Type in the name of one of your favorite songs or artists and quicker than you can whistle “In the Mood”, a “station” appears that plays songs that are musically similar to the song title or artist you provided.
Great service — and the price is right.

***************

~~~~~ GREAT PLACES ~~~~~

***************

****************************************************************

GREAT PLACE #1 Bird Flu Central

****************************************************************

Here’s a place to keep handy — just in case. This site provides comprehensive government-wide information on pandemic and avian influenza. In the event of a pandemic, this will be the authoritative site for U.S. government information on the pandemic.
An “Individual Planning” tab leads to directly pertinent information including checklists, fill-in sheets for family health information and emergency contact information — all to help guide your planning and preparation.
Keep this handy — and pray you won’t need to use it.

*************************************************

GREAT PLACE #2 Get Your Image Act Together

**************************************************

Do you have a an image problem? Is your photo collection spread all over your computer? You’re not alone, so the smart folks from Google came up with a neat program that will get you organized with the click of a mouse.
This free program helps you instantly find, edit and share all the pictures on your computer. The program doesn’t move or change your photos — just finds them all (even ones you forgot all about) and gets them organized (usually a heck of a lot better than you had them 🙂
With lots of other photo tools this program is a winner — and of course –the price is right.
****************************************************

As always, remember, referrals are the lifeblood of my business.

Who do you think of right now who may need some advice or may have a couple of questions they want answered about buying, selling or borrowing? Please have them call me at 918-645-1470, or they can send an email. There is no obligation to them, all of this is part of my services as your real estate consultant.

I hope you enjoy “Real Estate CyberTips”. If you find this information worthwhile, please forward this email to your friends and family and have them contact me to be added to my email list and receive notification of each issue.

_________________________
Courtesy of:
Wayne Barnes
918-645-1470
Broker Associate at ERA John Hausam, Realtors


Cybertips Newsletter – May 2005

Hello for May 2005. I hope you are appreciating the rain in Tulsa. At this rate, they may remove the burn band and we may be able to grill outside before the end of the year.

In case you think we are getting too much rain….

Lessons From The Story Of Noah’s Ark

* Plan ahead. It wasn’t raining when Noah built the ark.
* Stay fit. When you’re 600 years old, someone might ask you to do something really big.
* Don’t listen to critics. Do what has to be done.
* Build on the high ground.
* If you can’t fight or flee — float.
* Take care of your animals as if they were the last ones on Earth.
* Don’t forget we’re all in the same boat.
* When the doo-doo gets really deep, don’t sit there and complain — shovel.
* Remember that the ark was built by amateurs and the Titanic was built by professionals.
* DON’T MISS THE BOAT!

Now, here’s my monthy E-Newsletter which will provide you with Cyber Tips and Tricks along with pointers to Internet places of special interest to real estate owners, buyers, investors and related professionals.

To view the links from the CyberTips, just visit online. Just click the link. Archives of past issues are always available.

##########################
REAL ESTATE CYBER TIPS MAY 2006
##########################

*******IN THIS ISSUE*******
CYBER TRICK #1: Get A New View With One Click.
CYBER TRICK #2: A Personal Desktop Weather Station
GREAT PLACE #1: What Is Bill Up To?
***********************

~~~~~ CYBER MAGIC TRICKS ~~~~~~~

********************************
TRICK #1 Get A New View With One Click.
********************************
This is another one of those “one trick ponies” that make life just a little bit better. Most all of us have muttered (some even cussed) when the words on our web browser are too small to read — at least without a lot of wrangling with our resolution settings.
This little Internet Explorer add-on allows you to magnify any HTML page as you browse the web. Once you apply this easy little assistant, a + and – sign will appear on your browser tool bar. Click either and –Shazam – the page immediately appears exactly the way you wish. And you can also print the enlarged or reduced version of the page in its new adjusted proportions.
This pony is quick, easy, handy — and best of all it’s on the house.

********************************************
TRICK #2 A Personal Desktop Weather Station
*********************************************
This neat personal desktop weather station automatically retrieves your local weather. Now with one click you can bring yourself up to date on current conditions plus hourly, daily and detailed forecast plus severe weather alerts. You can also view weather maps for over 77,000 cities around the world.
There are lots of features allowing you to customize the weather reporting — or you can just add your city and leave the rest alone. Not only is this valuable program a freeware product, but unlike other earlier weather programs, it contains no form of bad stuff like spyware, viruses or Trojans.
Clear sailing!

****************************************************************
GREAT PLACE  #1 What Is Bill Up To?
****************************************************************
Ever wonder what’s going on up there at Microsoft. Sometimes it seems like these folks just sit around and think up new stuff (just like Google does :).This great place will give you a peek inside their brainstorming sessions as they roll out various betas you can try (at your peril).
Here you’ll find over a dozen new programs such as: Windows Live Toolbar beta (they all start with “Windows Live” and end with “beta”), Messenger, Mail, One Care, Safety Center — to name just a few.
This great place will keep you up to date and, if you are adventurous, you may find some neat new applications.

As always, I appreciate your help, referrals are the lifeblood of my business.

Who do you think of right now who may need some advice or may have a couple of questions they want answered about buying, selling or borrowing? Please have them call me at 918-499-7102, or they can send an email. There is no obligation to them, all of this is part of my services as your real estate consultant.

I hope you enjoy “Real Estate CyberTips”. If you find this information worthwhile, please forward this email to your friends and family and have them contact me to be added to my email list and receive notification of each issue.

_________________________
Courtesy of:
Wayne Barnes
Broker Associate at ERA John Hausam, Realtors
********************************************************************

SUBSCRIBING TO THIS NEWSLETTER: Pass along readers may receive this newsletter monthly without cost by sending a message using the contact page with “Subscribe” in the Subject line.