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al Thursday, July 8-Page m
The Stillwater Journ
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,OFFICIAL REPUBLICAN ABSENTEE BALLOT ' OFFICIAL REPUBLICAN ABSENTEE BALLOT 1 m~ ~ OFFICIAL REPUBLICAN ABSENTEE BALLOT ~ I
- paIMA ELECTION " I=l ; PRIMARY ELECTION :I
ELECTION 4 ~ JULY 27, 2004 mm k ~ ~ ; JULY 27, 2004 m~ ml
PRIMARY
JULY 27, 2004 ml am k~m,PAYNE COUNTY, OKLAHOMA,m1 ~,~m i:~m,PAYNE COUNTY, OKLAHOMA ' :l-
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IK~O ~ l ~ ) ! FOR UIS. SENATOR FOR COUNTY COMM SS ONER I I I ~ c.~ ~ '~:~! l
~IE~I, LFI~RI () l ) vote~r~ DISTRICT NO ,2 ' ) GERS~I ~11 ) '
! I JIM ROGERS ~ ~ ' ~ -- N il
i CARROLL FISHER "*" ~ GLORIA HESgER ~ mI,i i I l
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our re, ldence, y,~r party ( ecldes wl lch ballo ou ge
ee ballots for the state now, according to County ed in the Pavne County http'//www pavnecount7 org/sa in the hands of the County Saturday, July 24, from 8-1, orb
m,ple ballots himl " Election Board bYorder.7 p m on Monday, JulYcounty26, from 8-6,on]at]
~lar
primary
Building,
Room
elections
to
Election
Board
Secretary
Glenna
Administration
207, located at 315 W Sixth An Atleast two mail transactions Election, Day in to be the Payne Electi1
)n July 27 are now avail- Craig. " ' ","~ " ted ' Board office, m
: the Payne County Voters have until July 21 to application form can be down- must be mane, 't~raig sam. ~ne coun . m
loaded from County Election Board must If Voters fail to request mail For more information onl
Board office, request absentee ballots be . / "~-*o 1-, the deadline absentee voting or sample bal-I
wrto want to have absen, mailed to them. Absentee ballot www.elections.state,ok.us, mail tlae ballots to me voter and aosentce L~.'u'~ L'I,Y l
)ts mailed to them for application forms are available Voters can also vie, sample bal- the voter must return the voted they can vote absentee in-person lots, call the election board atI
iections should apply at the election board office locat- lots on the board~'- s website at ballots by mail." Ballots must be on Friday, July 23, from 8-6; (405) 747-8350. /
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ioni'h' 'of nsumer
NOTE- T,e ,onr.al recently
:enew4 a letter from the manager of the ioeaI
s for 1~ f Consumer Credit Counseling Ser-
i it forageasked us to consider a story about
decided to let her tell the story by
#.ji ~g h:r letter" Here It is:
a~r~, P~man Dodflckson
Tslng Counselor
.~kl Consumer Credit Counselor
311P .r Cred,t Counseling Service is a non-
i.}J.~mted Way agency and accredited by the
"" ~! Foundation for Credit Counseling
All of the counselors in the a enc must
g y
has I~ed by the NFCC.
case ~ase is in Bethany and we have 16 branch-
I in," ~ western 2/3rds of Oklahoma.
~tission is to help individuals and famdnes
law ~Lfinancially stable. We do that through
,Jng, education and our Debt Mana ement
en?l;~r~-P). Our counseling is always F~E. If
I for c~ ll in our DMP, there is a small monthly
~t hcr '~llwa
whos ~ ter office sees clients from about a
' a chi~.unty area. The number of clients actively
. :~. m our Debt Management Plan ran es
there ~ ,- 2
~- 05. " g
ala ~'~"r " " "
nown ~' me ~tfllwater branch returned more
" ~ million to creditors, about $50K of that
le or
,~ the Stillwater area.
;~te~li~)entele come from all socio-economic
's poiit~fi~,ds' Money problems and life issues
" :~ungunsh between classes of people!
In recent years, a number of new "players" have
gotten into the debt management business.
Unfortunately, many of those are not honorable.
They front as "non-profit" when they truly aren't.
Some of the larger ones have landed in hot water
for their tactics. For example, one is being sued by
the Federal Trade Commission as well as the attor-
neys general in Illinois and Missouri for unethical
business practices.
Here in the Stillwater office, we've helped sever-
al people who were victims of these other agencies.
On our DMP, we negotiate with about 90 percent
of the major creditors in the country to reduce or
waive interest and/or lower payments to make it
more manageable for people to pay. For some
clients, the DMP can save them thousands of dol-
lars in interest and years in payoff.
For others, the result may not be as dramatic, but
the end goal for all is to get their debts paid while
learning to better manage their money. On the
DMP, CCCS receives a payment a month from the
client and pays the creditors. We monitor the
accounts; however, we also monitor the clients to
make sure they're staying on course and using new
behaviors.
What sets CCCS apart from other debt manage-
ment agencies is our emphasis on education. As
part of our program, we teach people about money
management.
Only four states in the country require Consumer
Education at the high school level. Most folks
don't do a very good job of teaching their children
about money. Combine that with the proliferation
They 7l be tax free beginning Jan. 1
law will allow erans' organizations from paying nity.
veterans' groups tothe one-cent that is assessed on "These groups never should
games tax free. each bingo face and each U-PIK- have had to pay the tax in the
1889 has been signed EM bingo game set, and from first place."
and will become the 10 percent tax that is levied Ellis said the tax exemption
1. against all charity game equip- will save the state's veterans'
Ellis, author of the merit and each breakopen ticket groups $1.068 million each year.
said the tax exemp-game sold. "That money will be plowed
help organizations like Ellis, D-Vailiant, estimated that right back into the community."
of Foreign Wars approximately half ofthe'veter- More than 365,000 veterans
the Americun Legionans' charitable gaming halls reside in Oklahoma.
bingo halls in have closed down partly due to Commercial bingo is prohibit-
and subsequently the tax. ed under Oklahoma law, but the
groups to contribute "The tax burden put them out Oklahoma Charity Games Act
communities, of business," he said. "These permits "games of chance" to be
1889 amends the people work hard, most of them offered to the public by certain
Charity Games Act donate their time, and they tax-exempt charitable organiza-
state military vet-return the money to the commu- tions.
of easy credit, and it's easy to see why more than applying for a mortgage.
half the people in the country spend more than they We also help people who are interested in
make every month! improving their credit-worthiness by reviewing
In addition to the above, we are also a HUD-cer- their credit report with them. If you aren't familiar
tiffed agency. We help folks with pre- and post- with the format, trying to interpret a credit report is
housing purchase counseling. We also do emer- sometimes like trying to read Greek!
gency housing counseling in the case of evictions After reviewing their report, we then make rec-
and foreclosures. A growing area of counseling is ommendations on how to improve their standing
with reverse mortgages for the elderly, and how to correct misinformation that might
appear on their report. Keeping tabs on one's cred-
Every other month, we present at the Stillwater it report is a growing concern due to increases in
First Time Homebuyers workshop. Our focus is to
help folks become more credit-worthy before identify theft.
Stillwater's NEW Monthl
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