NTx Connect — January 2026
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CONTENTS NO.8 NEW YEAR BINGO P A G E 6 Get a head start on 2026 with a collection of fun activities to do around town with your friends. STUDENT COLUMN P A G E 2 0 The students of Orchard Farm share highlights of the past year with their “2025 Wrapped.” EAGLE WATCHING ROAD TRIP P A G E 1 4 For daily viewing, early mornings are the most active, as eagles hunt after sunrise along the rivers and lakes. FINANCIAL CORNER P A G E 2 3 As you start 2026, now is the perfect time to reflect, reset and plan for next year when it comes to your finances. BUSINESS Q&A P A G E 3 2 The idea behind Super Patch products is to enhance the connection between the mind and body. WELLNESS CORNER P A G E 2 8 The start of a new year is often the chance to take inventory of the past 365 days and plot a new course ahead. Eagle Days On The Mississippi NTxConnect January, 2026 3
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Paul Dinkins Publisher publisher’s letter ntxconnect . M A G A Z I N E S P O T L I G H T P u b l i s h e r P a u l D i n k i n s C o - P u b l i s h e r S p e n c e r C o p e M a n a g i n g E d i t o r E l l a H o l t G r a p h i c D e s i g n e r L e x i P y s z k a P r o d u c t i o n N Z N M e d i a C o n t r i b u t i n g W r i t e r s E l l a H o l t , M i k e H u n s b e r g e r , C i n d y J a c k s o n , L i l y B a u e r , H a l l e e I n m a n , G r a c i e P f a u t s c h , J a K a i R o b i n s o n & M e g h a n R o s e C o n t r i b u t i n g P h o t o g r a p h e r s T e r r i S t e f f e s , M o l l y S c h a d , S t e p h e n C o x & S t a c y M o e l l e r Happy New Year, and welcome to 2026. As the new year begins, NTx is entering a season defined by growth, momentum and opportunity. Over the past several months, significant groundwork has been laid behind the scenes, positioning the platform for continued evolution. The months ahead will introduce new features, meaningful enhancements and timely announcements, all designed to further strengthen the NTx platform and deepen its value for the community it serves. This moment also provides an opportunity to express sincere appreciation to NTx’s readers, partners and advertisers. Since launching in June 2025, your early support, trust and engagement have been instrumental in building a strong foundation and generating early momentum. Your feedback and participation continue to shape the direction of the platform. With that foundation firmly in place, 2026 is poised to be an even more impactful year—one focused on connection, innovation and shared progress. Here’s to another year of collaboration, growth and success across the NTx community. VOL. 1 NO. 8 On the cover: New Town Luminary. Photo by Molly Schad. Inquiries: If you are interested in advertising with NTx, please e-mail deb@ntxconnect.com. NTxConnect January, 2026 4
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2026 BINGO By Ella Holt Jump Into The New Year With Activities In St. Charles
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While the excitement of entering a new year lasts for a little while, there’s no doubt that for many, January tends to be the time of year that things slow down. There’s a chill in the air that’ll stick around for months to come, and the sun is out of the sky before most workdays are over. To combat this, my friends and I have a tradition that helps us start the new year off strong. Every January, we get together and create a bingo card for the year to come, and we see how many fun, mostly new things we can try. So, this year I encourage you to make some sort of bingo card or bucket list of your fun 2026 to-dos. Here are a few ideas to get you started: In Our Backyard: Don’t want to wander too far? Here are some ideas that are close by. Check out the collection at Fast Lane Classic Cars: Fast Lane Classic Cars is the perfect spot in St. Charles to stop by if you’re interested in buying a classic car. However, that’s not all they have to offer. In addition to buying, selling and trading classic cars, Fast Lane allows you to come look at their collection of classic cars for free. Spend a Saturday looking at their collection of vehicles with your family, or rent out the space for a work event. Regardless, make sure to stop in and look at all their collection has to offer. Find out more at fastlanecars.com. Take a walk or bike ride down the Missouri Greenway: Earth City Levee. If you’re looking for a way to get out and enjoy the summer or one of those rare, warm winter days, St. Charles’ Greenway system provides a beautiful yet safe way to appreciate Missouri’s natural beauty. Running along 370, the Greenway is a great place to bike, walk, jog and just enjoy the day. Enjoy a latte and a quiche at La Belle Vie: Nestled on Second Street in Frenchtown, La Belle Vie is the perfect place to get your day started. The menu has an extensive selection of classic breakfast foods, and also features seasonal items throughout the year. The cafe serves breakfast and lunch every day except for Monday, and the charming ambience is a delightful addition to their tasty food. Find their menu at labelleviefrenchtown.com. 6 NTxConnect December, 2025 7 CHECKLIST FOR AN ACTIVE 2026 NTxConnect January, 2026
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Learn something new at the Commemorative Air Force’s Museum: The CAF’s Missouri Wing has a museum experience that reflects one specific year from World War II, with the years and exhibits rotating over time. The CAF also has planes that were used in World War II, so people can understand and appreciate the history while seeing the planes that are a part of the story. People can find out when to visit or how to schedule a group tour at cafmo.org. Spend the morning enjoying a cup of coffee and browsing at The Bridge: A place where every visit supports a meaningful mission. The Bridge is a nonprofit organization, so most of its proceeds go directly to charitable causes, with a portion helping cover operating costs. What makes this coffee shop stand out is its inviting retail area, featuring handmade, globally sourced gifts that create a unique and thoughtful shopping experience. Each item tells a story, making it easy to find something special for yourself or a meaningful gift for a friend. The Bridge is also committed to fair-trade practices, ensuring ethical sourcing and support for artisans around the world. Whether you’re catching up with friends or enjoying a quiet morning, you can sip a delicious coffee, shop with purpose, and feel good with a purchase that gives back. 8 www.ntxconnect.com
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Attend a concert in New Town: Who doesn’t love to spend a summer evening listening to good music? New Town’s concert series, held at The Amphitheatre, is a great excuse to get out, grab some good food and enjoy a fun-filled evening of music with a significant other, a group of friends or on your own! Spend a day at 370 Lakeside Park: Stop by St. Peters’ biggest park and take a moment to enjoy the beauty of its 140-acre lake. Equipped with a dock for rent, pavilions, boat rentals, a walking/biking path and campground hookups, the park has everything you need. Go out for a day with the family, canoeing with a friend or just take a walk and enjoy the view in solitude. More information about rentals can be found at www.stpetersmo.net/382/370-Lakeside-Park. Try out some local restaurants in New Town: Who says you have to travel far to have a nice night out? New Town has countless options for dining, and there’s sure to be a great choice for whatever you’re craving. Have a relaxing evening with dinner at a place you haven’t tried, or your favorite place in town. Don’t know where to go? Visit ntxconnect.com/north-town-st-charles/dining. 10 www.ntxconnect.com
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Have a go-kart race with your friends in Boschertown: Boschertown Grand Prix offers four different kinds of gokart, with varying prices and age ranges. The outdoor track is a half mile long, and hours may vary based on weather conditions. Race your buddy in Sprint-Karts or enjoy a ride in the 2-Seater. boschertowngokarts.com Spend a summer or fall day picking your own fruits and veggies: Herman’s Farm Orchard offers “U-pick” opportunities for tomatoes, peaches, apples and pumpkins, depending on the season. Get your pumpkin to decorate your porch for fall, or pick some tomatoes to throw into your favorite salad recipe. Information about hours can be found at hermansfarm.weebly.com/. Attend an NTx Connect networking event at The Commons: Who says work can’t be fun? Expand your connections while enjoying coffee or lunch at The Commons. Members get in free, but guests are welcome to purchase a day pass and make use of the office space after chatting and building relationships. Check out the information for all NTx Connect events at ntxconnect.com/st-charles-events. Further Away: And, in case you want to venture out a little more, here are some fun activities that are a little further away. Try out your rock climbing skills at Climb so iLL: Located in Frenchtown, Climb so iLL at the Steel Shop has opportunities for all to try out rock climbing. The business welcomes beginners, and also has membership passes for people who want to make rock climbing a hobby. It doesn’t stop there: Climb so iLL also offers yoga and fitness classes for those who aren’t ready to hit the rocks just yet. Attend a First Friday at The Foundry: The Foundry Art Centre stays open late until 8 p.m. on the first Friday of each month. Each month, check out a new exhibition or event that The Foundry has to offer. For those who love art, it doesn’t stop there. The Foundry has many classes and opportunities to expand on your skills and/or interests in the new year. For more information about First Fridays and other events, visit foundryartcentre.org/event-calendar-fac. Love on some furry friends at the Cat Zen Cafe and Lounge: Located on North Main Street, the Cat Zen Cafe welcomes anyone who wants to give some attention to all the adoptable cats in the facility. People are more than welcome to come by, even if they’re not interested in adopting a cat. The experience is beneficial enough as it is. The cafe has a limited selection of pre-packaged snacks and a variety of drinks. People looking to make a reservation can visit www.catzenlounge.com/. NTxConnect January, 2026 11
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Take the Grafton Ferry to Illinois for a day of shopping, food and fun: The ferry picks up in St. Charles and takes you to Grafton, shortening the travel time between the two by 30 minutes. You can go as an on-foot passenger, or bring a car, bike, motorcycle or trailer along with you. Spend your day shopping, try a fun local restaurant or even get away for a couple of days by booking lodging. Ticketing and scheduling information can be found at www.riversandroutes.com/cities-towns/visitgrafton/grafton-ferry/. End your evening with some laughs at the Funny Bone: Start out with dinner at your favorite Streets of St. Charles restaurant, then head to the Funny Bone to check out a scheduled comedy show or to try your hand at Wednesdays’ open mic night. Tickets are available on Funny Bone’s website, at www.stlouisfunnybone.com/streets-of-saint-charles. Shows are 18+ and additional guidelines can be found online. Visit Smallpox island: Located in West Alton, this place isn’t quite as scary as the name may seem. Learn about two Lincoln-era events that happened in this spot: an almost-duel between Lincoln and state Auditor James Shields and the first smallpox hospital for those in a military prison in Alton. www.riversandroutes.com 12 www.ntxconnect.com
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Spend the day shopping on Main Street during one of its many festivals: Spend a few days over the course of the year trying different dining options, browsing through shops and visiting during one of their festivals. Visit during Once Upon A Valentine in February, or Riverfest in July, or Festival of the Little Hills in August or even plan to go to Christmas Traditions in December. With a festival at least once a month, there are plenty of opportunities to try something new. Round up some friends for a Wheels and Wine tour: Spend a relaxing day biking down the Katy Trail and tasting wine. Enjoy a free wine tasting at the first stop and 10% off at the second. As part of the package, there’s a shuttle return to the starting point after your day of fun. In addition to the wine, the Katy Trail has several gorgeous stops for you to enjoy on your bike ride. To find out more, visit bikestopcafes.com/wheels-wine. Visit where the Missouri River meets the Mississippi: While it is about a 40-minute drive away, the confluence of the two rivers has a historical significance, as well as being a cool sight to see. Edward “Ted” and Pat JonesConfluence Point State Park has a 10-minute walking trail from the parking lot to the point that the two rivers meet. Book a court and try your hand at pickleball: Whether you’re a beginner or a pro, you can play pickleball in the morning, afternoon or late into the evening. Stop in for a quick workout and lunch, or spend the night with friends enjoying the courts and the location’s extensive food and drink options. There are also other activities for those in your group who may not like pickleball, including other games – like cornhole – and there’s even an ice rink in the winter months. Find more out at chickennpickle.com/location/st-charles/. Support a local college sports team while enjoying a game: With Lindenwood being pretty close to home, there are plenty of opportunities for sports-lovers to get out of the house and support local students. With basketball, football, hockey and more, people looking for an entertaining night out can go cheer on our local college. People interested in Lindenwood’s sports schedule can find out more at lindenwoodlions.com/calendar. Learn about Missouri history at the Lewis & Clark Boathouse and Museum: The Lewis & Clark Boathouse and Museum offers a unique perspective into the story of Lewis and Clark, as St. Charles was the place where they prepared to take off on their expedition. Take the afternoon to learn a little about our wonderful city, and you can even follow it up with lunch on Main Street or a bike ride down the Katy Trail. Ticketing information can be found at lewisandclarkboathouse.org/. 6 NTxConnect NTxConnect December, 2025 January, 2026 713
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The Mid-Winter Pilgrimage on the Mississippi The true majesty of winter along the Middle Mississippi River Valley is the annual migration of Bald Eagles. As northern waters freeze, these raptors, with their impressive 6 to 7.5-foot wingspans, gather along the borderlands of Eastern Missouri and Western Illinois, drawn to the open water near locks and dams. The best time for viewing is the winter season (December to February), with the peak in January. For daily viewing, early mornings are the most active, as eagles hunt after sunrise along the rivers and lakes. Here is a guide to locations for peak viewing within 30 to 60 minutes of New Town, including special programs and essential information. Prime Viewing Locations & Events 1. Clarksville, Missouri and Lock & Dam #24 The charming town of Clarksville guarantees a feast for the eagles, as the churning water at Lock and Dam #24 remains ice-free, creating an open-water fishing hole. Viewing: The River Front City Park is the main viewing area. Friendly naturalists from the Missouri Department of Conservation are on-site with powerful spotting scopes to guide visitors. The Lock & Dam #24 Observation Deck is also accessible. Annual Eagle Days: Held the last weekend of January. Live Programs: The historic Apple Shed hosts live eagle programs hourly, presented by the renowned World World Bird Sanctuary. These shows cover both Bald and Golden Eagles, offering an up-close experience. EAGLE WATCHING DAY TRIP 14 www.ntxconnect.com
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2. Sandy Island and Lock & Dam #25 Just south of Clarksville, near Winfield, this area provides crucial habitat for wintering eagles. Habitat Note: The Sandy Island Bald Eagle Sanctuary serves as a safe roosting habitat and is closed to the public from November through March to prevent disturbance. Prime Viewing: The Mary Chambers Wiese Observation Platform, located on Corps of Engineers property at the south end of the Lock and Dam, offers a fantastic vantage point. The platform is equipped with a mounted scope for viewing eagles hunting in the turbulent river water below the dam structure. Access: Via Highway N off Hwy 79. 3. Audubon Center at Riverlands (West Alton, MO) The Audubon Center at Riverlands Migratory Bird Sanctuary hosts special Eagle Saturdays in January offering a variety of family-friendly activities. Eagle Meet & Greet ($10): Meet "Liberty," a live American Bald Eagle, presented by World Bird Sanctuary. Learn about eagle adaptations and conservation history. Reservations/pre-ordered tickets are required. Swan & Eagle Walk (Walk Ins, Donation): Join guided, leisurely hikes on paved trails to view overwintering Bald Eagles, Trumpeter Swans, and other waterfowl. Website: https://www.audubon.org/riverlands 4. Pere Marquette State Park (Grafton, IL) For a different perspective, cross the river into Illinois and take the scenic Great River Road (Hwy 100) from Alton to Grafton to reach Pere Marquette State Park. Eagle Watching Programs: The park presents informative programs and an observational driving tour from December through March. Programs begin promptly at 8:30 AM at the Visitor Center and conclude around 4:00 PM. Year-Round Wonders: Note that this area also hosts White Pelicans, which can have wing spans up to nine feet, during the fall and winter. Your Essential Checklist Be sure to dress warmly in layers, wear water/mudresistant shoes, have a full tank of gas for observational drives, and, most importantly, bring your binoculars and camera! ntxconnect . R O A D T R I P 16 www.ntxconnect.com
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New Column: Hometown Heroes By Ella Holt Calling all readers: NTx Connect is instilling a new column in the magazine beginning next month. This segment, “Hometown Heroes,” will follow people in the community who have done something heroic and/or greatly contributed to the local community. Hometown Heroes is a great way to honor the people who may be our neighbors and friends that deserve to be recognized. Even if you know someone really well, you may not know everything about them. This column will bring an opportunity to find out about some of the good that your neighbors have put into the world. Or, if you know someone that’s perfect for this column, we’d love to hear from you. We invite all readers to submit nominations on behalf of people they know to tell their story and recognize the good they’ve done. People can be heroic in many different ways. Sometimes heroism appears in a single, extraordinary moment—a bold decision, a selfless act or a life-changing achievement. Other times, it’s quieter and easier to miss, found in the everyday work of people who consistently show up for others, serve their communities or make a difference through dedication, kindness and perseverance. Whether public or private, big or small, these actions reflect what it truly means to be heroic. Because of this, the idea of a “hero” is personal and subjective. One person’s hero might be a first responder, a teacher, a volunteer or a neighbor who is always willing to help. This column isn’t limited to any specific profession, background or category. In this series, we’ll share the stories behind hometown heroes and the path that led them to who they are today. NTxConnect January, 2026 17
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N E W T O W N Photos by Terri Steffes & Molly Schad
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L U M I N A R Y
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By JaKai Robinson, Meghan Rose, Hallee Inman, Lily Bauer and Gracie Pfautsch As 2025 ends, the students of Orchard Farm wanted to share the highlights of the past year. Here’s their “2025 Wrapped.” January The snowstorm—an extra week of winter break! On the weekend of January 4th, a major snowstorm produced heavy snow, sleet and freezing temperatures. Because of this, the school used three snow days and two AMI days the week of January 6. This added an additional week of winter break for the students and staff due to the road conditions and continuous snowfall throughout the week. At the high school, the new semester was supposed to start after winter break, so it was a major adjustment in how the AMI days were utilized. February Mr. Inman was recognized by the Support Staff Professional Development Committee—Mr. Inman, the ISS director, was recognized by the Support Staff Professional Development Committee for all of the hard work he does around the school. March The new boys' volleyball team has its first game—In the spring, the boys' volleyball team played its first-ever game. Boys’ volleyball was a new addition to the available sports at Orchard Farm. They are coached by the girls' coach, Amy Cassin. Gretchen Schuster and Will Wolf win Winter Formal king and queen—Juniors, Gretchen and Will, are crowned king and queen at the boys' basketball game against Winfield. This was the first year the school crowned students at a winter dance. Boys' basketball wins the district championship—The Boys basketball team faced off against Lutheran St. Charles in the Class 4 District 7 tournament. They finished the game with an 83-55 win, advancing into the first round of sectionals against Mexico. There was a huge turnout in the crowd for this game as everyone was hoping for a district championship win. April Ava Zuccarello and Anthony Louis win Prom king and queen—Middle school sweethearts, Ava and Anthony, are crowned king and queen at prom. They now attend college together at SEMO. May Girls' soccer wins the district championship—The girls' soccer team faced off against St. Charles West in the Class 4 District 3 tournament. They finished the game with a 5-0 win, advancing them into the first round of sectionals against Clayton. Olivia Nicolay goes to state for pole vaulting—Olivia Nicolay placed third in sectionals, qualifying for the Class 4 State Championship held in Jefferson City, Missouri. OFHS presents: You’re A Good Man, Charlie Brown— You’re a Good Man, Charlie Brown was performed in the auditorium for the yearly school musical. It ended with a special recognition to the year's seniors and Mrs. Bhat, who was retiring. The marching band debuts new uniforms—When Orchard Farms' new band teacher, Mr. McGraw, stepped into the scene, he realized that the marching band deserved a fresh new look. They were given new, 20 www.ntxconnect.com
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professional matching uniforms for the first time in almost a decade. All members interviewed claimed they were way nicer and would probably last the team a very long time. The Special Olympics has a track meet with best buddies —On April 25th, members of the OFHS Best Buddies club attended Wright City High School to compete in the Special Olympics. They earned medals and enjoyed ice cream on a hot day. The class of 2025 graduates—The class of 2025 walked the stage on May 18th. Student Council presidents Aubri Salinas, Emma Brookshire and NHS president Ruthy Dunkmann gave speeches to leave their classmates with hope for the future. Lojin Ibnoucheikh was recognized at the BOE meeting— On May 20, Lojin Ibnoucheikh was recognized by the Board of Education for her stellar academics and her heavy schedule. Her FBLA advisor, Mr. Stringer, and librarian, Mrs. Botkin, referred to her as the model student and highlighted her positive character. Mrs. Bhat retires—During graduation, it was revealed that Mrs. Bhat, choir advisor, musical instructor, and concert band leader, would be retiring after 25 years of service for Orchard Farm. During the senior speeches for graduation, Sofia Whitsell spoke of her appreciation for the teacher and the strong impact she had on everyone’s high school experience. August The class of 2026 upholds tradition with barn painting— The class of 2026 began its senior year by following an annual transition. Each class at Orchard Farm visits the barn across from the old building. The students put their handprints all over it. September JaKai Robinson recognized at BOE meeting—Senior JaKai Robinson, was chosen by the principal, Dr. Jones, for the Orchard Farm Board of Education Recognition for her eagle spirit, positive attitude, and determination in both athletics and academics. She was recognized on September 19, directly following her varsity volleyball victory against the Saint Charles High Pirates. Seven OFHS students receive academic honors from the College Board National Recognition Program—Students were recognized for their strong performance in school or on academic exams, including the PSAT, SAT, or AP exams. Leah Niebuhr, Hadley Rearden, Isla Loucks, Max Sarino, Reilly Hawkings, Ayden Hawkins and Andrew NTxConnect January, 2026 21
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Birchler all received the School Recognition Award. Additionally, Leah Niebuhr, Isla Loucks, and Reilly Hawkins received the Rural and Small Town Award. JaKai Robinson and Hayden Bagot win Homecoming king and queen—On September 26, Hayden Bagot and JaKai Robinson were crowned the Homecoming King and Queen of the class of 2026. They were ecstatic to be chosen by their schoolmates and were announced during the Homecoming football game against Saint Charles High School. Orchard Farm wins the canned food drive—Competing against St. Charles West, Orchard Farm collected 3,759 pounds of canned food. The entire community was involved in donating. October Mrs. Botkin won the World Title in Showmanship for horseback riding—Mrs. Botkin, the librarian at Orchard Farm High School, attended the NOHSA (National Open Horse Show Association) World Show, where contestants come from across the world to compete. Mrs. Botkin qualified to compete in the competition and placed in the top 10 in all of her riding classes. VOX Aeris Choir group's first performance—The VOX Aeries choir group was added earlier in the 2025-2026 school year. They rehearse every Friday after school, and sometimes during lunch. During concert week, they practiced every day for the entire week and performed three songs at the concert. November Carson Clement and Will Falzone go to state for cross country—Carson Clement and Will Falzone qualified for the state meet, held on Mizzou’s cross country course. They ended up tying in the race even though they didn’t run together. Dr. Jones is named Assistant Superintendent—Orchard Farm principal, Dr. Jones, announces he will become the new assistant superintendent after serving as the high school principal. December Dr. Menteer is named Principal of OFHS—Following Dr. Jones' announcement, Dr. Menteer, the current assistant principal, is named principal beginning the 2026-2027 school year. The dance team had its first-ever competition—After 25 years, the dance team was added back as a fall and winter sport at Orchard Farm High School. This month, the dance team had its first competition and placed second at Lindbergh High School. ntxconnect . S T U D E N T S 22 www.ntxconnect.com
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FINANCIAL CORNER 11 Ways to Reset, Refocus, and Win in 2026 By Mike Hunsberger As you start 2026, now is the perfect time to reflect, reset and plan for next year. These smart financial moves will help you start 2026 with more confidence and clarity. Review & Reset Conduct a Review of 2025 Finances: The foundation of 2026 will be how you finished 2025. What went well? Where could you improve? This review could take many forms, but two things I really like to do is update my financial net worth. I’ve been doing this every 6 months for over 25 years to chart my progress. The easiest way to do this is to create a simple spreadsheet with all of your accounts listed as rows. Simply reflect the end-of-year totals for any bank, investment, loans, etc. in a single column for the date you’re pulling all the values. If you want to get a little more advanced, you can also track how much you contributed or disbursed from the account and the overall percentage increase or decrease in value. The second thing I like to assess is where I spent money during the year. Any budgeting software should be able to help you with this. Most credit cards now also give you access to an annual spending report which can also be useful. Of those things, what brought you the most joy? How can you dedicate resources to do more of those things in 2026? Project 2026 Taxes and withholdings: For some, taxes may be fairly similar year-to-year. But, if you’re facing a transition, a job change or significant promotion, retirement, marriage, divorce, etc., your tax situation may be changing significantly. These transitions open the door for more focused tax planning. Make sure you’re withholding enough through your paycheck or making your estimated payments so you don’t pay additional penalties at tax time. Strengthen Your Financial Foundation Increase Saving & Investing Amounts: The beginning of the year is a great time to increase how much you’re NTxConnect January, 2026 23
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H A P P E N I N G S M A G A Z I N E CEO OF RIMBERIO COMPANY Leadership & Management saving and investing. This is especially true if you are getting a cost of living or other salary increase. You haven’t gotten used to that money, so why not invest at least a portion of it? Even if these annual increases are small, like a 1% increase, they can lead to significantly more savings if you do this every year. Automate Savings & Investments: Automating your savings and investments is one of the most effective ways to build wealth and ensure you stay on track with your financial goals. By setting up recurring deposits into your savings and investment accounts, you remove the temptation to spend what you intend to save and make the process much less dependent on what you have left. This “pay yourself first” approach means that a portion of your income is automatically directed toward your future as soon as you receive it and less dependent on your willpower. Over time, these automated contributions can add up significantly. With automation in place, you can focus on other priorities. Build or Replenish Your Emergency Fund: Is your emergency fund where it needs to be? 2025 was a tough year for many, including federal workers and military who have jobs typically regarded as “stable” because of the government shutdown. The general rule of thumb is to hold 3-6 months of your regular expenses in an easily accessible account. If you’ve had to use that for emergency situations, it’s important that you start to rebuild that and maybe trend toward the higher side of how much you need to have available. Make sure you’re holding that in an account that’s actually paying some interest like a high-yield savings account or possibly a money market. Standard bank savings accounts are typically paying very little interest. Plan for the Future Plan Charitable Giving: If you’re charitably minded, map out your plan for the year even if you usually give at the end of the year. The One Big Beautiful Bill Act will allow those who take the standard deduction to deduct up to $1,000 for single filers and $2,000 married filers on their taxes for cash contributions to charities. For those who itemize, there is now a 0.5% Adjusted Gross Income floor for charitable deduction so bunching donations can potentially make even more sense. Check College Savings: The beginning of the year can be a good time to review 529 plan contributions. Are you saving enough for college based on where you think your child might attend? This is harder to assess when your children are young, but once they’re in high school you probably will have a better idea if they’re looking at expensive schools or if they may not attend college. 24 www.ntxconnect.com
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H A P P E N I N G S M A G A Z I N E CEO OF RIMBERIO COMPANY Protect What Matters Review Life & Disability Insurance: It’s important to periodically review your insurance coverage. Do people depend on your income? If so, what would happen if you could no longer work? You want to make sure you’re properly covered. Many people think about this after major life changes, but checking these things every year or at least every other year can prevent nasty surprises if something unfortunate does happen. Review Beneficiaries: Things change. Children are born; marriage and divorce happen. It’s important to review your beneficiaries regularly. It’s especially important to review old accounts that might have been opened well before these changes. It’s also important to understand that beneficiaries on bank and investment accounts and insurance policies take priority over estate planning documents like your will so make sure you’re keeping them up to date. This will help your loved ones avoid any additional surprises should something happen to you. Update Your Estate Plan: Like your beneficiary review, make sure you have estate documents and they reflect your current wishes. This is never a fun task, but you’re not doing it for you. You’re doing it for those who love you. You’ll also want to make sure your loved ones know where the documents are. Make sure you still want those who are identified as having powers of attorney are up to date and have a general sense of your wishes. Extra Credit Set One Non-Financial Goal That Money Can Help With: Create peace of mind and hopefully more time for nonfinancial things in 2026. What does that look like for you? Set a goal. Whether that’s health and fitness, learning something new, or being a better friend or parent, what could you dedicate some resources to make happen in 2026. It’s important to remember while money is important; it’s just the tool that can help you live a better life. ntxconnect . F I N A N C E NTxConnect January, 2026 25
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EAGLES IN SAINT CHARLES, MO © 2024 Stephen Cox. All Rights Reserved.
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PHOTOGRAPHY BY STEPHEN COX Every January and February, the Mississippi River near Grafton, IL, becomes a haven for eagle enthusiasts like photographer Stephen Cox. Armed with his camera, Stephen captures stunning shots of eagles in flight and perched on branches as they migrate through the area. He eagerly participates in events like eaglewatching festivals and weekend outtings, seizing unique opportunities to observe and document these majestic creatures in their natural habitat. To keep up with his latest photos or to order prints of any of the images shown, you can reach out to Steve on his Instagram accounts shown below. NEWTOPIA PHOTOGRAPHY
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WELLNESS CORNER The Four Pillars of Wellness: Your Blueprint for a Balanced Life By Cindy Jackson Sometimes we find ourselves at a crossroads in life, whether that is as we embark upon a new journey, another decade or a new year full of possibilities. Crossroads involve opportunities and decisions. The start of a new year is often the chance to take inventory of the past 365 days and plot a new course ahead. You may have heard the sobering statistic that approximately 80% of people abandon their new year’s resolution after a month. I am never quite sure why this is true for so many of us, however, change is hard and habit formation is even harder. What does turn out to be positive about goal setting is the opportunity to make our actions intentional. Circumstances, good and bad, tend to be the catalyst for our next action, but being intentional, pre-determining our actions, sets us up for deeper emotional experiences and better emotional wellbeing. Goals, and the set intentions to carry out these goals, might seem better suited for someone else, but they just could be the ingredient needed to make each day a more meaningful one for you. Setting goals can be daunting, but they are an important first step in a healthier, connected life. As you set goals, here are 4 important pillars for you to consider. Within each of these foundational components you can develop actions, smaller steps that will incorporate daily intentions and lead you forward with a clear sense of purpose. Modern science and holistic wellness experts agree true health is built on four interconnected pillars. These foundational aspects — physical vitality, mental resilience, emotional balance and social connection — work together to create lasting well-being. Improvements in one area naturally enhance the others, forming a positive interaction that supports long-term health. While it is alluring to follow the latest health craze or internet fad, grounding your goals in foundational principles builds the most meaningful intentions and reaps the most profound benefits. 28 www.ntxconnect.com
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H A P P E N I N G S M A G A Z I N E Leadership & Management Physical Vitality: Building Your Body’s Foundation Movement and Exercise: Regular physical activity is essential for maintaining optimal health and preventing chronic diseases. The Canadian Physical Activity Guidelines recommend at least 150 minutes of moderateto-vigorous aerobic activity per week for adults, plus muscle-strengthening activities twice weekly. Exercise benefits extend beyond weight management, improving cardiovascular health, strengthening bones and muscles, boosting immune function and enhancing flexibility. Importantly, movement also reduces stress, anxiety and depression while improving sleep and cognitive function. The key is to find activities you enjoy, making movement a natural part of daily life. Mental Resilience: Cultivating a Strong Mind Stress Management and Cognitive Health: Mental resilience is about developing the ability to cope with life’s challenges, manage stress and maintain mental clarity. Practices such as mindfulness, meditation, prayer and deep breathing can strengthen mental health, reduce anxiety, and improve focus. Mental wellness is closely linked to physical health—regular exercise, adequate sleep and balanced nutrition all contribute to sharper cognitive function and emotional stability. Emotional Balance: Nurturing Inner Harmony Emotional Wellness: Emotional health involves understanding and managing your feelings, building healthy relationships and fostering a positive outlook. Emotional balance strengthens relationships and helps you navigate life’s ups and downs with resilience. Techniques like journaling, therapy and connecting with supportive friends or family can help maintain emotional equilibrium. Many times, our mindset-what we tell ourselves about ourselves-can be the barrier to achieving our goals and fully stepping into the life we desire. We can feel unworthy, our failures are too much or that we are “not enough” to step into a brighter future. Taking a deep dive into the beliefs and thoughts that fuel our emotions is messy, difficult work but most times the catalyst that fuels a stronger life and emotional health. Emotional wellness reinforces healthy behaviors and supports both mental and physical health. Social Connection: Building Supportive Relationships Community and Belonging: Social connection is a powerful determinant of health. Strong social bonds— whether with family, friends, or community—reinforce healthy behaviors, provide emotional support, and contribute to a sense of belonging. Engaging in group NTxConnect January, 2026 29
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activities, volunteering, or simply spending time with loved ones can boost mood, reduce stress, and even improve longevity. Social wellness is not just about preventing loneliness; it’s about creating a foundation for a vibrant, energetic life. Relationships are easy to ignore until they can’t be, creating more stress and emotional drain. Having relationships as a pillar and setting intentional actions for maintaining and building these relationships, breeds happiness and connection for years to come. Wrapping Up Why These Pillars Matter: Addressing all four pillars simultaneously leads to measurable improvements in quality of life and overall well-being. Physical strength supports mental clarity, emotional wellness strengthens relationships and social bonds reinforce healthy habits. By nurturing each pillar, you create a balanced approach to health that is both practical and profound. The practice of setting goals and daily intentions is essential to growth as a human and embracing life in a meaningful, connected way. We can steer our lives, living with purpose and meaning, building a foundation that supports us for a lifetime. Ready to take your wellness journey to the next level? You don’t have to do it alone! If you’re looking for personalized guidance, motivation, and expert support, reach out to me at cindyjacksonwellness.com. Whether you’re just starting out or striving to reach new goals, coaching can help you build healthy habits, overcome obstacles, and create a balanced, vibrant life. Your best self is just a step away—connect today and start building your four pillars of wellness! ntxconnect . W E L L N E S S 30 www.ntxconnect.com
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With the goal of improving overall health and wellbeing, Super Patch is a business that strives to have something for everyone. With a number of unique patches with different goals, the idea behind the product is to enhance the connection between the mind and body, thus improving one's day-to-day abilities. We sat down with Lynda Stern, Vice President at Super Patch, to learn more about the business and her journey with it. Q: How did you get involved with Super Patch? A: I've been in Network Marketing and Direct Sales for over 24 years, and while I loved the industry, I knew I was ready for something different - I just wasn't sure what that looked like yet. I noticed a friend sharing about Super Patch on Facebook and followed her journey for about a month. Eventually, my curiosity got the best of me and I reached out to learn more. I'm so grateful I did, because Super Patch has truly been a blessing for my family and me personally. Q: For those who don’t know, what does Super Patch have to offer? Is there a specific audience that may benefit more from Super Patch? A: Super Patch offers ingredient-free wearable patches designed to support the brain-body connection, using Vibrotactile Technology or VTT. There are currently 13 different patches, each designed to support everyday challenges such as energy, pain, focus, sleep, stress, anxiety, energy, balance and overall well-being with more in development. Because the patches are noninvasive, drug-free and easy to use, they can be beneficial for anyone. If I put 100 people in a room, every single person could benefit from 1 or more of these patches. While everyone's experience is unique, Super Patch tends to resonate especially well with those looking for a simple, holistic approach to supporting their wellness without adding supplements or medications to their routine. Q: What sets Super Patch apart from other businesses that also promote health and wellbeing? A: What truly sets Super Patch apart is the technology behind the product - the patches are completely ingredient -free, yet designed to support the brain and body connection. The company places a strong emphasis on science, transparency and research. Super Patch is built on over 17 years of research and development with a significant investment by the company's founder and CEO, Jay Dhaliwal. The technology is protected, which makes it truly unique in the wellness space. In just a few short years, Super Patch has expanded into dozens of countries, which speaks volumes to both the innovation behind the product and the real world interest they generate. Q: How has being involved at Super Patch affected your own wellness? A: Being involved with Super Patch has helped me become more intentional about my wellness, and I’ve personally noticed improvements in areas like daily focus and overall well-being. I've always leaned toward a holistic lifestyle, so these patches align well with how my family and I approach wellness – simple, supportive and easy to incorporate into everyday life. Q: What is something people should know about Super Patch that they may not already know? A: One of the most surprising things for many people is that Super Patch products contain no ingredients, no drugs, and no chemicals—they work by using technology to support how the brain communicates with the body. For people who are cautious about what they put in or on 6 Super Patch Q&A 32 www.ntxconnect.com
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their bodies, this approach often feels refreshing and different from traditional wellness options. Q: What advice do you have for people looking to improve on their own personal wellness? A: My advice is to start small, stay consistent, and listen to your body—true wellness is built through simple, sustainable habits - not quick fixes. One of the things I appreciate most about Super Patch is how easy it is to incorporate into daily life. There's no complicated routine or major lifestyle change required, which makes consistency much more achievable. 6 ntxconnect . Q & A NTxConnect January, 2026 33
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NEW TOWN’S LUMINARY EVENT SHINES BRIGHTER THAN EVER By Stacey Moeller (including photos) The annual New Town at St. Charles Luminary Event once again brought neighbors together to celebrate the season—this year with record-setting participation and an even greater community impact. The December tradition saw the sale of 140 luminaries, the most in the event’s history. Thanks to that support, organizers were able to donate $500 to Adopt A Family and provide additional funds to the City of St. Charles Animal Shelter. Organizers shared that charitable giving is something they hope to make an integral part of the event each year, alongside continued investment in expanding and enhancing New Town’s holiday decorations. The evening itself was filled with warmth and tradition— from softly glowing luminaries lining the walkways to familiar holiday songs carried across the beach. A heartfelt thank-you goes out to everyone who supported the event by purchasing a luminary, and special recognition to those who helped bring it to life: Diana Kay for leading the community in carols Beth and Cliff Metcalf for donating decorations Dale Rohman and Chris for crafting the beautiful red bows The Men’s Club for their generous donation 34 www.ntxconnect.com
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The Bridge Coffee House for providing warm hot chocolate Kerry Simmons Robbers and the wonderful neighbors on Tiber Place who help keep the lights shining year after year windows. A special note of gratitude also goes to the volunteers who jumped in with enthusiasm, creativity and a true community spirit: Terri & Bob Steffes, Stacy Moeller, Alyssa Walter, Angela Ribaudo, Jen Jennett, Michael Moeller, Andrea Hunter, Amy, Doug and Grayson Payne. Events like the Luminary Lighting are a reminder of what makes New Town special—neighbors showing up for one another, traditions that continue to grow and small lights coming together to make a meaningful difference. NTxConnect January, 2026 35
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Academy of The Sacred Heart ..................................................................................... Dirty River Records ..................................................................................................... French District Villas .................................................................................................. Great Page .................................................................................................................. Kimberly Jewelers ...................................................................................................... La Belle Vie Cafe ......................................................................................................... Missouri Basement ..................................................................................................... MJW Law Office ......................................................................................................... New Town Pickleball .................................................................................................. Next Mission Financial ............................................................................................... Pundmann Ford ......................................................................................................... Regional Eyecare ........................................................................................................ SCBS ........................................................................................................................... Stephanie’s on Main ................................................................................................... Studio Luebke ............................................................................................................. The Bridge Coffee ....................................................................................................... 4 33 33 12 10 25 2 38 25 24 8 22 31 29 33 29 38 www.ntxconnect.com