Newspaper Archive of
The Perkins Journal
Perkins, Oklahoma
December 29, 2016     The Perkins Journal
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December 29, 2016

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THEJOURNAL, Thursday, December 29, 2016 - Ag It's important to check your credit tier By Leilana McKindra ant task that can easily slip new place to live or a new their members-businesses report each year from It is hard enough to think to the bottom of the priority car, someone will check and organizations that pro- each of the three agencies. about what is going to list, but not doing so can your credit and that is the vide regular reports on Copies of the reports can happen during the always lead to unpleasant con- wrong time for surprises," the payment behaviors of be ordered at www,annual- hectic holiday season, let sequences. The frequent she said."Regularly review- their clients - and publish creditreport.com. alone what to do after the use of electronic payment ing your credit report can that information in credit "You can monitor your wrapping paper stops flying methods and online shop- help prevent identity theft reports, credit for free year-round and the refrigerator is burst- ping only reinforces the and catch errors serious A person's credit score by requesting a report from ing with leftovers, importance of paying close enough to possibly trigger a is based on the information a different agency every However, one task that attention to what appears on loan denial or higher inter- on the credit report. The four months," Clampet should be at the top of credit reports, said Cindy est rate on a credit card." score is a measure of how said. "Victims of identity everyone's post-holiday Clampet, Oklahoma State Equifax, Experian andrisky it is to offer credit to theft who have a notation to-do list is checking their University CooperativeTransUnion are the three that person. The higher the added to their credit histo- credit report. Extension resource man- major credit reporting score, the lower the risk. ries are eligible to receive Monitoring your credit is agement specialist, agencies. These agencies Consumers are legallymore than the three reports the kind of small but import- "Whether it's for ajob, a collect information from entitled to one free credit annually." es By Leilana McKindra If there is any damage,do away form the heater." leading factor contribut- When families want to not use the appliance.Do not use space heaters ing to the start of home ward off winter's chill in a Families in the market indamp, wet areas such as heating fires was equip- specific part of the home, for a new electric heater outdoors or in bathrooms, ment placed too close electric space heaters may should look for a product Plug heaters directly to flammable items such be good option, with the Underwriters into the wall. If the heat- as furniture, clothing or "Space heaters aren'tLaboratories certification er's plug gets hot, it could bedding. designed to replace your mark. The most recent be a sign the outlet may Meanwhile, 84 per- home's heating system, models will incorporate need to be replaced. Con- cent of home heating but they can provide the most up-to-date safety tact a qualified electrician fire deaths involved sta- plenty of supplemental standards and features, for assistance, tionary or portable space heat for contained spaces "While in use, the heater "Unplug space heat- heaters. in your home," said Gina should be on a level, ers before leaving home "Electric heaters can Peek, Oklahoma State hard, nonflammable sur- or going to bed," Peek do a great job of keep- University Cooperative face such as a ceramic said. "It's also a good ing small areas warm Extension housing andtile floor," Peek said. idea to only operate these and toasty," Peek said. consumer specialist. "The heater should be appliances when you or "Following a few safety Electric heaters should at least 3 feet from any- another adult is in the precautions means you be thoroughly inspected, thing, including bedding, immediate area." can take advantage of that including checking the drapes, furniture or other According to a National warmth without worrying cord and plug for damage, flammable materials. Fire Protection Asso- about fire, electrocution before they are turned on. Keep children and pets ciation Fact Sheet, the or other hazards." Many credit card compa- nies also offer free credit scores to account holders, but consumers should be aware these scores can be different than the score that would be used to assess credit worthiness in some circumstances. "If you need help under- standing yourcredit report, make an appointment with a non-profit credit-cOun- seling agency," C|ampet said. Also, www.myfico. com provides a detailed explanation Of credits scores, while www.bank- rate.corn offers tools to estimate an individual's FICO credit scoie. For guidance on how to address errors on a credit report, consumers can go to the Federal Trade Com- mission website at www. ftc.gov, instructions for disputing errors also Say be found on the credit report. Great American Can Rolilld The Perkins 4-H club is asking for community support for their 2016-2017 aluminum can drive. This is the third year we have collected aluminum cans in support of the Perkins Tryon Schools for our service project, "The Great American Can Roundup." The cans will be sold and 100% of the proceeds will go directly to our school systems. Last year we teamed up with the community to collect cans and Payne County Bank matched our sales to donate to the Intermediate School. Did you know that roughly one billion dollars worth of aluminum cans are thrown away every ye a" in the United States? One ton of recycled cans saves 10 cubic feet in a landfill. Please join us in our efforts to keep our community and environment clean while supporting the P-T Schools. To arrange for pick-up please call David Wall (405) 338-5394, Lilia Wall (405) 334-3084 or Donna Dollins (405) 6124)959. ~ .... ~ 1 i~ Dentures ~ PaFdals - Relines - Repairs 321 N. Main in Perkins Call (405) 612-7304 for appointment., A Our food is always ,-1 ' "l-hurs, ays & Friday's. 1I a.m'-6:30 p.m. Hot Lunch or Dinner Calt for Pickup or Delivery La Grandotas', Tamales in the Husk, Dinners, Casseroles, Enchiladas, Burritos Winter feature: Green ChileStew &Southwest White Chili Holiday & Catering orders delivered Mort - Sat. 314 E. Hert, Perkins, OK 74059 Call Leah Aufill 405-880-7645 www. cocinasanpasquaL com handmade, always fresh & always authentic. Stllll FOUNDATION ooooeoeooeooeooQooeoooooooeo ooeoooooooooooeoeoooeooooooo o IINmMI Iqlme bamlnd Ws tqme !l gmm: t' smmTamntl in ill imlt mgl / ~ ( !~ii :! .... PERKINS | Stlllwater Medga; Center Pediatrks and adults Well child checks Annual wellness exams Sports & DOT Physicals Injuries and laceration repair Women's health Diabetes management WALK- NS WELCOME MONDAY-THURSDAY: 8:30 AM- S:O0 PM FRIDAY: 8:30- AM- 12:00PM .f CARLY WAREN, AP NP )ne of the joys of the Holiday .%ason is remembering those who are important to us. We'd like to thank all of our customers and friends for making this past year a successful one. As your local independent bank, we look forward to sewing *:: you in the future. We hope the New Year brings you good health, happiness and prosperity. Perkins Branch e3o N. Main Street PerKins Hoe) s47.1, ss ,: i.ol~y Hourit Monday-Thumday 8 a.m. to 4 p.m. Friday 8 a.m. to 4:30 p.m. Saturday 8 a.m. to Noon Ddvo41ma M(xaday-Thursday 7~0 aJn. to 5 p.m. Fdday 7:30 a.m. to 6 p.m. Saturday 7:30 a.m. to Noon 505 E. HWY. 33 " PERKINS 405.547.4162 OVJ =- Illllll, ]IIHIIII]II]HII, ,, ,Ill I ,,,,,,,,, I, , Ill, I II,1,, ......... 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