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.