December Specials

It is time to place your Christmas orders!



Open an account at http://www.isabugbooks.com/ to be eligible for December's FREE drawing!



November's winner was Jen Cady!



This was a great read.....They had been inseparable in college, Mary Stuart, Tanya, and Zoe. But in the more than twenty years that followed, the three had moved on with their lives, settled in different cities, and found successful careers and new roles as mothers and wives. By chance, each would find herself alone for a few weeks one summer, wrestling with the present and the past. At a sprawling ranch in the foothills of Wyoming's Grand Teton Range, the three women come together and find courage, healing, and truth, and reach out to each other once again.














The Pink Piggy

Tax Credit Extension to Home Buyers

The original homebuyer tax credit was enacted in 2008. It was written and expanded this year with a November 30th expiration date. It offers an extension to cover homes under contract by April 30th 2010.
In addition Congress also had proposed it no longer to be limited to first-time buyers.
They have also adjusted the income limited for those applying, making it available for more people to qualify.
Most Real Estate professionals say this tax credit is turning the market around.


I think expanding the guidelines to current homeowners and increasing income limits can only be a positive for the housing market.’

Article taken in part from Brett Richards/Huntington Mortgage Group

Free Stuff! and Saving Ideas

· $5.00 OFF haircut or $10.00 OFF color from Jessica at the Hairloom located at 51st/Memorial call 850-6700 and say you saw this add in the Pink Piggy!
· Get your Tulsa Zoo coupon book from TZF office. $1 raises funds for our new giraffes.
· 918couponqueen.com offers free online classes to learn how to cut costs. See website for details
· Free Jewelry for having a party call Corrine at 724-0958.
· Free Book give-a-way open an account at www.isabugbooks.com, free drawing the month of December.

Things to do this Fall

· Plan for the Christmas holiday, order that Ham or Turkey.
· Philbrook Museum of Art’s ‘Auspicious Vision’, Edward Wales Root and American Modernism Aug 23-Nov 29
· DVR all those favorite Fall shows.
· Get the Firewood ready.
· · Visit the Planetarium at the Air & Space Museum.
· Start an exercise program, we will all be eating more during the holiday’s.

Remember Your Blessings

It is hard in chaotic times to remember your blessings:
Life can change in the blink of an eye….live it to the fullest!
Appreciate the people around you, learn to take the time with the ones that you love
Only do what is ‘important’ DO NOT do what is not important.
Try to accomplish a good deed each day.
Stay calm, take the high road, keep the feelings of others in mind

WINNER OF BOOK DRAWING!

Congratulations to two winners!

Tammy Woommavovah won the new release from Dan Brown: The Lost Symbol

Jen Cady won a 'used' book of her choice from www.isabugbooks.com for the November drawing!

Be sure to sign up for future drawings by opening an account at isabugbooks.com!

isabugbooks November Special - Holiday's

Check out the November feature at www.isabugbooks.com! November feature: ‘Holiday’s.’ Just choose the ‘Holiday’ category to view featured selections. Books added daily. If you don’t find what you are looking for send me an email and I can quote you a price.

Order early for on-time delivery for your Holiday order.

Thanks!

November 5, 2009

Visit my business booth at IBC in Prattville this month of November!

Go to http://www.isabugbooks.com/ and set up an account for a chance to win monthly drawings.

Free bookmark with every order!

Please comment to this blog and tell me your favorite author.


Five Tips for Stretching Your Dollar

Save Money on Lunches-bring your lunch to work, eat left-overs. If you bring your lunch one day per week you can save $250-$1000 per year.
Buy Staple products on sale-the items you buy each week try buying in bulk and when they are on sale. You will save money buying in bulk and this will save trips to the store.

Snack Smart– bring your snacks instead of buying from the vending machines. Buy your pop & snacks in bulk.

Save on Entertainment– next time you plan a night out with your friends try having a pot luck dinner at your place. It will probably be more fun and everyone will save in the process.

Save on Utilities– Be frugal about your electric use, check out the competition for the best phone service and cable. Stay home and watch movies off the movie channel instead of going out to the movie theater or renting movies.

Article from http://www.teach-nology.com/

Beware of online scams

Ebay Scam - You get an email that says that a customer didn't receive their product. They want you to click and respond to the customer. DON'T RESPOND. Many times these emails want to get your log-in and password. If you get an email that CLAIMS to be from Ebay (or Paypal, etc.) GO TO YOUR ACCOUNT and see if it's really there.Paypal scam - You put an ad in craigslist or backpage.com selling an item. Someone tells you that they want your item but can't pay cash. They can send you a Paypal payment and require you to send the item AS SOON AS YOU GET YOUR email, allegedly from Paypal. What you will then receive is an email from "PayPal" saying that the person that sent the money has been approved but the money won't clear until you send your item. IT'S A SCAM. Always verify your ACCOUNT to see if monies are there..

More Free Stuff! and Saving Ideas

$5.00 OFF haircut or $10.00 OFF color from Jessica at the Hairloom located at 51st/Memorial call 850-6700 and say you saw this add in the Pink Piggy!

· Get your Tulsa Zoo coupon book from TZF office. $1 raises funds for our new giraffes.

· 918couponqueen.com offers free online classes to learn how to cut costs. See website for details

· Arby’s 5 for 5 Regular Roast Beef sandwiches Saturday/Sunday’s only.

· Host a party-get free stuff. Host a Tupperware or Pampered Chef party and receive free merchandise. A new party in town is Premier Jewelry, you can receive hundreds of dollars of free jewelry contact Corine at 724-0958 for more details.

Things to do this Fall

· Check out upcoming events at the Osage Event Center 699-7667, www.milliondollarelm.com Freestyle Cage Fighting, Darius Rucker, Travis Tritt, Chippendales, and Wynonna Judd.
· Check your local listing for the movie: Cloudy With a Chance of Meatballs.
· Take that foliage drive.
· Rake up the leaves when they fall and watch the kids run and jump in them, it is free and fun.
· Get fire wood ready for winter.
· Plan for the Thanksgiving holiday.

Helping Friends and Neighbors

The Holidays are upon us, this is the time of year friends and neighbors may be in need. If you are able, consider donating your no longer needed household items, clothing, food to Goodwill or area food banks. If you know of families hit hard by the economy and you can afford to do so, consider offering financial help so they can enjoy a turkey dinner or have a gift under the tree for their children.

isabugbooks.com

October feature, Economics. Come check out books available in the 'economics category'. If you don't find what you are looking for just email me and I can give you a quote on what you need.

Should I open a store on Ebay? Give me your thoughts......

Visit http://www.isabugbooks.com/ to see books added daily.

Are any of you fans of Janet Evanovich, Sharon Kay Penman, John Grisham? If so, please comment about them or your favorite author...

Sign up for an account at isabugbooks.com to be eligable for a free gift in November.

The Poisonwood Bible is a story told by the wife and four daughters of Nathan Price, a fierce, evangelical Baptist who takes his family and mission to the Belgian Congo in 1959. The novel is set against one of the most dramatic political chronicles of the twentieth century: the Congos fight for independence from Belgium, the murder of its first elected prime minister, the CIA coup to install his replacement, and the insidious progress of a world economic order that robs the fledgling African nation of its autonomy. Against this backdrop, Orleanna Price reconstructs the story of her evangelist husbands part in the Western assault on Africa, a tale indelibly darkened by her own losses and unanswerable questions about her own culpability.

Tell me what you want to blog about....

Please comment below, thanks.

Pink Piggy Vol.4 Issue 2

Books:

I need feedback from my 'followers' to know what type of books interest them. Comic books, Historical Fiction, ??. Please comment at the end of this blog. I lean toward mystery and utilize audio books in the car. Let me know what you think.



New Church in Town:

Visit 'The Springs' where church is going back to the basics of worship, community, and service. Sunday's at 10:30am at the Sand Springs 9th grade center.



Pink Piggy:

Texting while driving- Really, what it comes down to is, if you think people shouldn't be able to drive drunk, consider
that this is twice as dangerous as that and that kind of ends the debate. According to National Highway Traffic Safety
Administration data, three-fourths of auto crashes, involve a driver distracted within the three seconds before an accident. As an experiment, editor Eddie Alterman drove a car rigged with a red light to alert him when to brake. Alterman, driving the car at 70 mph, was tested sober, when legally drunk (.08 blood alcohol), when reading an
e-mail and when texting. These were the results:



Unimpaired: .54 seconds to brake, 13 feet reaction distance.

Legally drunk: Add four feet; 17 feet reaction distance.

Reading an e-mail: 129 feet. •

Sending a text: 319 feet. •

A Virginia Tech Transportation Institute study found that the risks of texting generally apply to all drivers but that when big-rig truck drivers texted while driving, their collision risk was 23 times greater than when not texting. • Article by Julie Delcour


More Free Stuff! and Saving Ideas

Just Between Friends (jbfsale.com)- Local organized consignment garage sale. Buy name brand used clothing,
toys, furniture at low cost. Owasso 9/30- 10/3rd at Owasso First Assembly of God Church 96th St. N. & Hwy 169.


-$5.00 OFF haircut or $10.00 OFF color from Jessica at the Hairloom located at 51st/Memorial call 850-6700 and say you saw this add in the Pink Piggy!



When moving it pays to check out movers with the BBB. They provide a list of moving companies and their complaints. One company had 1 complaint another 11 within the same time period, it pays to check them out.

Discount sites: www.techbargains.com and www.billshrink.com


Mystery Shopping: Go to Shopperjobs.com! and get a job to go into a restaurant and order your food all the while
studying the service, food and anything else that was noticeable. Then go home and type up a quick report. You will be reimbursed for your meal and a little extra too. All in all, it is a great way to get a free dinner!

Things to do this Fall

Tulsa State Fair Oct. 1st-11th.
• 10/1 Ford Family Fun Night admission $1 with coupon from your local ford dealer.
• 10/5 and 10/7 Save $5 off the ride wristband by picking up a coupon at Mazzio’s
• 10/6 Two for the price of one gate admission
• 10/8 Gate & Rodeo admission only $15
• 10/8 $3 off gate admission when you present coupon from Thurs 10/8
World Spot.
• 10/11 $5 off ride wristband with Sunday Funday coupon found in
Urban Tulsa’s 10/8th issue.
• Get details at www.tulsastatefair.com

Donate

It is United Way time again, it is time to think about helping out others, even a very small amount given every 2-
weeks goes a long way to support services used by those in need.

Pink Piggy Vol.4 Issue 1

I love the option in using audio books in the car while I'm driving. I can get more books 'read' during that otherwise down time. It takes some getting used to and some narrators are better than others. What do you think? Have you used audio books before?

H1N1 or Otherwise

With Flu Season around the corner, it is time to take precautions.
· Some employers may offer free flu shots to their employees.
· Others may contact the Health Dept, their local pharmacy , or doctor for a charge.

The seasonal flu vaccine has very limited or no protection against the new virus, novel H1N1 (swine flu). Use Precautions:
Stay away from the workplace for 24 hrs after your fever has returned to normal
· Wash your hands with soap & water for 20-30 seconds frequently
· Cover your mouth & nose when coughing or sneezing
· Regularly clean common work surfaces
· Please note that most people infected with novel H1N1 have a very mild illness
· City of Tulsa employees may have the H1N1 vaccine available to them

The CDC has developed a list of target groups who should receive the H1N1 vaccine first.
1. pregnant women
2. household contacts or caregivers for infants younger than six months;
3. healthcare workers and emergency responders;
4. children and young adults 6 months to 24 years of age, and
5. persons aged 25 to 64 years who are at great risk for influenza related complications because of underlying chronic health conditions

When parents should butt in or butt out

Should parents get involved in their children's issues?
1. Your child has an unreasonable amount of homework. First make sure that your child is not wasting time and actually doing their homework. Set goals for your child to meet an assignment, if needed then meet with the teacher
2. Another adult lectures your child. If the conversation is to keep your child safe, then let the other parent finish. If the adult is speaking to your child harshly, butt in and introduce yourself.
3. Your child didn’t get invited to a birthday party. Do not make an issue of it.
4. Another kid is bullying your child on the playground. It is better to equip your child with skills to stay safe and empower them to resolve the situation on their own.
5. Your child's coach seems harsh. If it is upsetting your child then yes but remember tough love can sometimes be beneficial on the field.
This story taken in part from Real Simple Magazine.

More Free Stuff! and Saving Ideas

· Just Between Friends (jbfsale.com)- Local organized consignment garage sale. Buy name brand used clothing, toys, furniture at low cost. Owasso 9/30-10/3rd at Owasso First Assembly of God Church 96th St. N. & Hwy 169.

·$5.00 OFF haircut or $10.00 OFF color from Jessica at the Hairloom located at 51st/Memorial call 850-6700 and say you saw this add in the Pink Piggy!

· 918moms.com is a helpful source to connect with other moms, share stories, swap advice and save money.

· Check Criagslist for free stuff under classifieds.

· Www.domesticsale.com for free stuff in Tulsa

· Alexander Hogue Gallery of Art Admission is free 2935 E. 5th St., Tulsa, OK 74104 918 631-2202

Things to do this Fall

· Scottish Games 30th annual, River West Festival Park, Tulsa. Sept 18-20th 2009, Friday 5-11pm, Sat. 10am-11pm, Sun. 10am-6pm. Go to www.scottishgames.org for activity details. Activities for the kids. Headliners this year are 7 Nations and Needfire.

Be A Volunteer
Volunteers make a difference by contributing their time, energy, and talents to the causes they hold dear:

· Be a Zoo Docent or Wildbuncher
· Volunteer at OKDHS, United Way, Make A Wish Foundation, Big Brother/Sister, Cancer Society or any organization that means something to you.

Please submit any cost savings ideas for our next issue!

Please provide feedback on articles from this issue

Feel free to share this newsletter with friends & family

Pink Piggy Vol. 3 Issue 3

Talk about your favorite Author........mine is a tie between John Grisham and Nicholas Sparks. The first book I read by John Grisham was Street Lawyer, got me hooked. I am currently reading The Guardian by Nicholas Sparks.

Read below for cost saving ideas:

Protect your cyber identity
When using MySpace, Facebook or other social networks, do not share your date of birth, Social Security number or credit card numbers with anyone online. Computers now are common in the classroom, as well as for homework and projects. And, schools traditionally are open environments that may not have as much protection as corporate workplaces. Protecting your identity at school
1. Don’t let the school use your SSN as a student ID .
2. Don’t assume your school is protecting you.
3. Protect your password.
4. Configure peer to peer file sharing programs securely.
5. Never enter private information on public computers such as in the library or cafeteria.
6. Install software updates and fixes weekly or monthly.
7. Don’t leave your laptop unattended at the library or school cafeteria.
8. Never e-mail or instant message personal information .
9. Stay secure when wireless.
10. Do not store personal information on your computer unprotected.
This article taken in part by By
Staff reports Published:
8/31/2009

Need ways to budget, save, & simplify? A checklist: 10 steps to easier relocation
The easy way to budget:

Put your money into three buckets:

Bucket 1: future goals (savings, retirement, college, emergency, other)
Bucket 2: recurring cost (Mortgage, insurance, utilities, loans)
Bucket 3: Day to Day cost (figure your take home pay subtract buckets 1&2 then
Take that balance & divide by 4.3 to give you your weekly spending allowance)
Example: $2,000 take home pay—$1,000 bills/savings = $1,000 /4.3 = $232.56
Weekly spending allowance.

More Free Stuff! and Saving Ideas

Just Between Friends (jbfsale.com)- Local organized consignment garage sale. Buy name brand used clothing, toys, furniture at low cost. Owasso 9/30-10/3rd at Owasso First Assembly of God Church 96th St. N. & Hwy 169.

$5.00 OFF haircut or $10.00 OFF color from Jessica at the Hairloom located at 51st/Memorial call 850-6700 and say you saw this add in the Pink Piggy!

Spirit Airlines $9 fare club for $39.99 (spiritair.com)

Free lipstick www.maccosmetics.com and click on Giving Back for deatials

Free software-www.gimp.org, www.sourceforge.net, www.google.com

Variety of reduced priced tickets at www.travlezoo.com

Refill your ink cartridges at Cartridge World for about $7

Things to do this Summer

· Mar-val Trout Camp located near Gore, OK. Www.marvalresort.com offers camping, cabins right on the Illinois River. Swimming pool, splash pad, recreation center, concessions, kiddie train, fishing, horseback riding, trails, and games.
· Spend a day at the beach (that would be the river)
· Read a good book
· Ride bikes
· Enjoy small delights: favorite desert, music, etc.
· Don’t forget Tulsa Zoo Member’s Appreciation Night 9/10th
· End of Summer ‘ Spring Cleaning’
· Start your Christmas shopping :-)

Local Health Centers that are FREE or pro-rated

· Clinic 102 N. Denver 295-6942 www.mortonhealth.org
· Morton Comp Health Services Tulsa Site 1334 N. Lansing Ave 587-2171
· Community Health Connection, Inc 9912 E. 21st St. 622-5479
· East Tulsa Family Medical 11520 E. 21st St. 587-2177.

Please share any of your cost saving ideas.

Pink PIggy Vol. 3 issue 1 Continued

Budget Bites for Good Health:

Meat–twice a week substitute your meat dish for a bean dish.

Drink tap water instead of costly soda. If you prefer, add a splash of flavor with flavor packs found by the Koolaid isle.
Frozen Juice Concentrate cost less than regular fruit juices.

Fruit– buy What is in season or buy frozen fruit and vegetables.

Leftovers– use them the next day for lunch or again for dinner.

Beware of coupons, sometimes it is cheaper just to buy the store brand.


More Free Stuff! and Saving Ideas

Just Between Friends (jbfsale.com)- Local organized consignment garage sale. Buy name brand used clothing, toys, furniture at low cost. Owasso 9/30-10/3rd at Owasso First Assembly of God Church 96th St. N. & Hwy 169.

Visit www.debt-bailout-usa.com supported by the BBB for help to reduce your debt.

$5.00 OFF haircut or $10.00 OFF color from Jessica at the Hairloom located at 61st/Memorial call 850-6700 and say you saw this add in the Pink Piggy!

Texas Road House offers a dine early discount. Mon-Thur Select dinner menu items for only $7.99 before 6pm.

Rib Crib-share a 4 meat combo, one side each. Both can eat for $12.00.

Save a Trip: you can purchase books of stamps from Walmart and Sam’s at the service desk.

Things to do this Summer

Quick Trip Center Water Park located at 41st & Riverside. It is Free and has multiple water features and a playground.

The Blue Hole (I think I got that right) is a lovely man-made waterhole to beat the summer heat—located in Pawnee take 412 W towards Stillwater then take Hwy 18 N. $2 admission, Slides, platforms and other kid friendly features.

Play date at ChuckECheese (for little ones) You can buy $10 worth of tokens (I think you get 30 tokens) my granddaughter mostly plays on the tunnel slide that is free, we can make 3 trips on the 30 tokens. Go to www.chuckecheese.com and get a coupon for 80 tokens for $12.50.(go before 1pm on Sat or you’ll be bombarded by birthday party kids.)

Donate to Help Others

Karen Cypert is collecting gently used children’s books to donate to the Sand Springs Community Service Center, if you have any please drop them off to me. You can contact me at info@isabugbooks.com. or reply to this blog.

Donate to your local food pantry. I normally buy something from Sam’s each week then donate the items at the end of the month. If you don’t know of a food pantry, bring it to me and I’ll take it to the one in Sand Springs: they also take clothing.

Recycle unused prescription drugs thru Tulsa County Social Services Dept.

Pink PIggy Vol. 3 issue 1

www.isabugbooks.com book of the month: Any Used paperback book. If you don't find what you are looking for, just send me an email with your request.

The Pink Piggy Volume 2 Issue 2

'Cash for Clunkers' contains roadblocks :

If you want to trade in your junker for a new vehicle under the federal government's "Cash for Clunkers" program,
you'll have to act fast. The program expires Nov. 1 or when it runs out of money — and qualifying for the vouchers
isn't as simple as you might think. Does your clunker qualify? You qualify for the program only if the vehicle you plan on trading is drivable, is less than 25 years old, has adhered to state insurance laws and has been registered
under your name for at least one year. The vehicle also must have had a combined city/highway mileage of 18 miles
per gallon or less when new. Calculate the rebate's size If you meet the requirements, you'll get a $3,500 rebate if
the car you're buying gets 4 to 10 miles per gallon more than the one you trade in, and $4,500 if it's more than
10 mpg. The new car must get at least 22 combined miles per gallon to receive a voucher. (Trucks have a lower standard.) Is voucher worth it? Does the voucher give you the best deal for your tradein? Go to the Kelley Blue
Book site at tulsaworld.com/kelleybluebook and look up estimates of what your car would be worth if you traded it
in or sold it to a private party. The perfect "cash for clunkers" trade-in: a 1994 Oldsmobile Cutlass Supreme, which
Kelley Blue Book estimates is worth $700 to $2,130, depending on the car's condition. The voucher would give
you at least $1,400 more. Research your new car If all this still leaves you wanting to participate in "cash for
clunkers," your final step would be to do your homework on the new car you want to buy. Consider the options
you want and do plenty of comparison shopping to make sure you get the best deal. By KATHY KRISTOF Tribune
Media Service.

A checklist: Steps to easier relocation

1. Make a moving schedule: start 60 days before the move
2. Hire a quality moving company
3. Pare down your possessions
4. Pack like a pro so that all boxes end up in the rooms they should
5. Most movers won’t disconnect hard-wiring, so unplug everything
6. Change of address and notify companies before the move
7. Pack a ‘last to go’ box for all necessities
8. Clean the new place & set out your new floor plan before moving

More Free Stuff! and Saving Ideas

If you take a ‘green’ bag to Reasor’s when getting items, they give you a five cent credit
TGIF BYOB Summer-Fridays restaurants offer $5 discount for each entrée ordered (Bring Your Own Buddy-each buddy get’s $5 off!) Go to their website to print a coupon http://www.tgif.com/

Owen Park, Tulsa, Ok celebrates 100 years. Action packed day Sat. 8/8...fun activities all day.
http://www.tulsaparks.org/

Norma Kamali knit dresses $20 and clothing line at Walmart

Read a good book: Glen Beck ‘The Case Against an Out-of-Control-Government, inspired by Thomas Paine’

McDonald’s free Latte, Mocha or Cappuccino every Tuesday open-2pm.

Things to do this Summer

Drive to Chouteau’s Amish Cheese House for a sandwich in the deli and shopping in the store & bakery

Kayak down the Illinois, many rental locations, visit Oklahoma Road Trips.com

Community Fair 8/7 10-3 Ben Hill Park 210 E. Latimer Pl. Tulsa, Ok Free gifts, food, Jupiter jump, 633-1225

Craig County Fair in Vinita thru 8/4 is Free 256-7569

Faith and Wisdom

Religion (I know, touchy subject to some) If you do not believe in religion then don't’, if you do—hold fast, if your not sure, try it, it’s not going to hurt you or be negative, it may just help you when you need it most
• Rely on your wisdom when you don’t know what to do (or rely on someone elses)
• “The greatest part of our happiness depends on our dispositions, not our circumstances”—
Martha Washington

Pink Piggy Vol. 2 Issue 1

The Pink Piggy

Better Business Bureau Military Line
Through Memoranda of Understanding with the Army, Navy, Air Force and Marine Corps, and through status as a Coast Guard Qualified Organization, BBB Military Line offers a variety of free services and consumer education to the military via local BBB outreach as well as on the Web. To go to the BBB Military Line® Web page for your branch of
the service . Stay current with articles for today’s military consumer plus the SGT Shopper column from Military Times. Kiplinger-BBB Personal Finance Guide for Military Families-This guide contains practical, easy-tounderstand
information about being financially prepared for deployment, buying a home, minimizing taxes, holding down
insurance costs and avoiding financial schemes that too often target military families. Helpful Links This section includes links to various military and consumer oriented sites http://www.bbb.com/.

A new federal student loan repayment plan goes into effect this month that could dramatically reduce payments for highly indebted borrowers.Called "income-based repayment,"
It's the newest of six repaymento ptions for federal student loans. Repayment doesn't base payments on a set payoff date. The payments are based on the borrower's income. The less you earn,the less you pay. This plan says that any borrower who has faithfully made payments for 25 years can have his or her remaining loan balance forgiven or wiped away at the end of that time. In addition, if you work for government or a nonprofit and repay for 10 years, you could have your loan balance wiped out under the Public Service Debt Forgiveness program. Depending on your income, your debt and the number of people in your household. If you are single and earning $20,000 annually, the most you'd have to pay against student loans is $47 a month.The program is only available for federal student loans under the Stafford, Grad Plus and federal consolidation loan programs. It applies only to Perkins Loans if they're consolidated into the Federal Family Education Loan or Direct Loan programs. The Project on Student Debt Website at tulsaworld.com/ibrinfooffers a calculator. The EducationDepartment calculatoris at tulsaworld.com/studentaidgov. Gather your loan information, showing New student loan repayment plan based on income: balances, type of loans and lenders. Then contact your lenders. If your lender will not offer income-based repayment, call the Education Department at 1-800-4-FED-AID and look into consolidating your qualifying loans into the federal government's Direct Loan program. This article published in part By Kathy Kristoff in Tulsa World’s Tribune Media Service Published: 7/12/09

Smart Driving-
Clean out the junk in your car's trunk and interior. The extra weight is a drag on efficient gas mileage -- about a 2% reduction per 100 pounds of weight. Ditto loading up the rooftop luggage rack and adding bike racks, so remove these between road trips. And sorry, Coco and Max: Dogs and their drivers might love leaving the car windows down as they travel on the highway, but that creates a strong drag that is even worse on the car's fuel efficiency. Roll up the windows and hit the AC when driving at high speeds.

Looking for company?
PlentyofFish.com. The free dating site

How to save on wrapping paper.
Instead of purchasing different types of paper buy a universal color, like yellow or green. This type of paper can be used for any occasion. Great idea, I always need little boy paper but have little girl paper on hand. You can use the same 'yellow' paper for Mother's Day or Father's Day.

Senate Bill 658 increases the daily penalty to $1 a day from 25 cents a day for those with an expired tag.

Having a Yard Sale is hard work but with planning can be money in your pocket!
• Advertise • Place signs in easy to find locations • Have multiple family yard sales—more stuff to sell • Pull most of your items out on the lawn so people can see it • Price everything & price it CHEAP • Hold your sale Friday and Saturday • Open at 7am for those hitting sales before they go to work • If you have children, they can hold a lemonade stand or sell cookies.

Things to do this Summer
Summer’s Fifth Night- Live music, every Thursday, all summer long. Utica Square's summer concert series serves up everything from jazz to rock to country. There's something different every Thursday and best of all, it's free! Pack a picnic or dine at one of our great restaurants as you unwind to your favorite local bands. Put on your dancing shoes, catch up with family and friends and win great prizes like Utica Square gift certificates and merchandise from Utica
Square merchants. Celebrate summer every Thursday at Utica Square. Every Thursday night in the summer, 7 - 9 p.m. Go to uticasquare.com for details.

Pink Piggy Vol. 1 Issue 2

Moment is right for first-time home buyers:
Oklahoma’s real estate market has remained reasonably robust. Interest rates remain near historic lows and homes sell for bargain prices, coupled with Washington’s firsttime home buyer tax credit, now is the ideal time to purchase a house. The 2009 home ownership tax credit is a free cash credit to your pocketbook. The credit is not a loan and does not have to be repaid. The home buyer cannot have owned a home in the last
three years. Prospective buyers must purchase and close on the home between Jan. 1 and Dec. 1, 2009, and must also maintain the home as
their primary residence for at least three years. A reimbursement of 10% of the cost of a home up to $8,000 can be claimed on the buyer’s 2009 return or as an amendment to the 2008 return. This means $8,000 in cash that can be used to furnish or remodel the home or be used to supplement the down payment. Home ownership in Oklahoma is attainable and can be just around the corner. The application process is easy, quick and affordable. Contact your local lender for details.
(This article published in part By Terry Chase in Tulsa World’s Business
Viewpoint Published: 5/28/2009)

Open Heart Pregnancy Resource Center
The Open Heart Pregnancy Resource Center located in Prattville provides ‘positive’ services to women through support, education, and resources
with any need she may have regarding an unplanned/planned pregnancy
and or child rearing issues. When a Woman is in need of help, Open Heart offers:
• Free pregnancy test or
consultation
• Provide resources for
prenatal, medical &
housing
• Support classes on prenatal
& nutrition during/
after pregnancy
• Free baby clothing, baby
furniture, diapers, formula
and food
• Temporary home/
shelters

Open Heart is a 501c3 nonprofit organization located at 1 W. 41st St, Sand Springs, OK ph: 419-2662, email: openeartpc@yahoo.com
website: http://www.openheartpc.com/

ALSO ACCEPTS DONATIONS

Free
• Free Summer Kids Film Festivals– Mon/Tues/Wed at 600 Riverwalk
Terrace 392-9959
• Chicken Fried Steak meal for $1.99 at KFC Monday’s only.
• Shops of Seville 2009 Outdoor Concert Series. Good music, food & fun. 101st & S. Yale. Bands play 7-9pm.
July 16: Mid-Life Crisis
July 30: G-Note
Sept 10: Mid-Life Crisis
Oct 8: Mid-Life Crisis
• Free hot dog & 32 oz. Drink at QT for signing up on w.qtwebgroup.com.
This site also provides coupons to use in-store.
• Save on Auto Insurance:
Get 3 quotes, chose higher deductable, check insurance premium before buying model of car, reduce older car coverage, use same insurer for home/auto..see tulsa world search Phil Mulkins action line for more
• QT Rewards debit mastercard. Save 5 cents on each gallon of gas! Visit http://www.qtrewards.com/
• Get $250 grocery gift card! more details at http://www.freegrocerycredit.com/
• Www.mysavings.com for a number of options for samples of products.
• Free coloring book pages for your kids. http://coloring-book-pages.com/
• Arby’s July 4th only Free Roastburger w/order of fries

StreetCats, Inc. ’A Stitch in Time’
is a program addressing the burgeoning population of stray felines in the Tulsa area through a low cost spay/neuter and vaccination voucher program. Vouchers cost $20 & are available forpurchase by persons willing to help the homeless. In seven years, one female cat & her offspring can theoretically produce 420,000 cats. Considering this staggering fact, one can understand the importance of the program & the urgency to continue raising wareness. Article taken from the website of StreetCats. To find out more about the program please call 298-0104 or email cats@streetcatstulsa.org.

More Free Stuff! Or discounted items
Things to do this Summer
• Frequent Yard Sales & Flea Markets, it is surprising the bargains you
can find...and it is something to do.
• River Parks provide Free bicycles for riding recreation. Kiosks locations:
19th, 41st/Riverside, Sand Springs River Parks. Use credit card and return to any kiosk within 24 hrs not to be charged.
• Six Flags over Texas Fun for the whole family, Two days for the price of one or Everyone pays kids price thru November 1, 2009. Visit sixflags.com for more details.
• FREE bowling for the kids 15 & under. http://www.kidsbowlfree.com/ for details. Kids can bowl 2 free games every day. Family passes available too.