NTx Connect — June 2025
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I N A U G U R A L I S S U E HOME | BUSINESS | THINGS TO DO | WELLNESS | REAL ESTATE
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CONTENTS NO.1 A FLIGHT SCHOOL NEAR YOU P A G E 5 A journey through the clouds with local resident and certified pilot Dan Hartman. SUMMER TRAVEL SPOTS P A G E 1 7 Missouri is a treasure trove of natural beauty, historical landmarks and vibrant cities. WELLNESS CORNER P A G E 1 0 Addressing conflicts and relationship obstacles in a way that brings us together. WHAT’S YOUR STORY P A G E 2 1 Explore the world of self-publishing with this step-by-step guide to make your story come to life. COMMUNITY NOTES P A G E 2 9 Families, professionals and retirees make this community a tapestry of experiences and perspectives. FINANCIAL CORNER P A G E 2 7 Saving for your children to attend college can seem daunting—the 529 is here to help. NTxConnect June, 2025 3 Flying Over The Confluence, Photo: Dan Hartman
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publisher’s letter ntxconnect . M A G A Z I N E P A R T N E R S P u b l i s h e r P a u l D i n k i n s P r o d u c t i o n & D e s i g n N Z N M e d i a C o n t r i b u t o r s D a n H a r t m a n 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 K e n t S a n d e r s D e b S a n d e r s Welcome to our inaugural magazine, launching your guide to vibrant North St. Charles CITY. Building on "Happenings," we now offer a multi-channel experience to connect residents and businesses. Explore local insights and opportunities through our website (NTxConnect.com), a soon-to-come mobile app, and many more features to come. We understand the need for community connection in our growing area. NTx Connect serves as your central hub for events, news, business listings, jobs, and local resources. For businesses, we provide enhanced visibility to reach our engaged audience, fostering growth and stronger community ties through premium options and networking. We are powered by the collaborative spirit of The Commons and brought to life through the dedicated efforts of NZN Media and GreatPage.io, and we are thrilled to embark on this journey with you. Welcome to NTx Connect – your community, connected. FIRST ISSUE On the cover: Near Entrance to New Town by Kyle Ellerbeck. Inquiries: Please submit interest in becoming a partner to: deb@ntxconnect.com 4 www.ntxconnect.com Paul Dinkins Publisher
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FromºtheºmomentºIºfirstºtookºtheºcontrolsºofºanºaircraft asºaº17yearoldºcadetºinºtheºCivilºAirºPatrolmºaviation becameºmoreºthanºjustºaºfascinationitºbecameºa lifelongºpursuitlºAsºtheºsonºofºaºNavalºAviatorºturned airlineºpilotmºIºgrewºupºsteepedºinºtheºworldºofºaviationm watchingºplanesºwithºwonderºandºlisteningºtoºstories thatºstirredºmyºimaginationlºThatºlegacyºlaunchedºme intoºaºjourneyºthroughºtheºcloudsºthatºhasºbeenºequal partsºdemandingºandºdeeplyºrewardingl Navigating The Skies By Dan Hartman
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Today, I’d like to share what I’ve learned—insights to help you navigate your own flight training path with clarity and confidence. Defining Your Flight Path Whether you're dreaming of a cockpit career or simply looking to fly for fun, the first step is defining your goals. Ask yourself: Do I want to fly professionally or recreationally? How many passengers do I envision flying with? Am I prepared for the FAA medical certification process? Even practical considerations—like whether you plan to take long cross-country trips—can influence the type of certificate that suits you best. Most new pilots are surprised to learn there’s more than one way to earn your wings. The FAA offers different initial pilot certificates, each designed to suit specific ambitions and lifestyles. The two most common are the Sport Pilot Certificate and the Private Pilot Certificate, each with its own requirements and rewards. Sport Pilot Certificate - Eligibility: You must be at least 17 years old (16 for gliders and balloons) and can qualify with a valid U.S. driver’s license in place of a medical certificate, unless specific disqualifying conditions apply. - Training Requirements: A minimum of 20 flight hours, including 15 hours with an instructor and 5 solo. GUIDE TO FLIGHT TRAINING AND CERTIFICATION 6 www.ntxconnect.com
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- Privileges: You can fly light-sport aircraft during daylight hours under visual flight rules (VFR), carry one passenger, and access most airspace with some limitations. Private Pilot Certificate - Eligibility: Must be at least 17 years old and pass a third-class FAA medical exam from a designated Aviation Medical Examiner (AME). - Training Requirements: A minimum of 40 flight hours, including 20 hours of instruction and 10 solo. - Privileges: You'll be able to fly a wide range of aircraft, access all classes of airspace, and fly at night or in varying weather conditions (with appropriate additional ratings). You can also carry multiple passengers and share flight expenses. Choosing the Right Path Your decision between the Sport and Private Pilot certificates should reflect your aspirations, time commitment, and health status. The Sport Pilot route is a great option for those seeking a more accessible and affordable way to enjoy flying. However, if your dream is to fly further, higher, and potentially pursue a commercial career, the Private Pilot certificate is the stepping stone to the broader aviation world. It’s also worth noting that starting as a Sport Pilot doesn’t limit your future. You can always pursue your Private Pilot certificate later—and if you're aiming for a Commercial certificate, you'll need to become a Private Pilot first. Preparing for Takeoff: Ground School and Flight Training Before you ever leave the ground, a solid foundation is key. Whether you're training in the Saint Louis area or elsewhere, choosing the right school matters —especially since not all schools offer instruction in light-sport aircraft. I always recommend completing ground school before your first flight. While there's no thrill like sitting in the cockpit, it’s not the best classroom for grasping the complex mechanics of flight. Studying aviation theory, regulations, navigation, and communication on the ground gives you the tools to “THERE’S NOTHING QUITE LIKE THE FREEDOM OF BEING IN THE AIR.” NTxConnect June, 2025 7
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make the most of every moment in the air. Once you've passed your FAA written exam—which is valid for two years—you'll be free to focus your energy on perfecting your skills in the sky and preparing for your checkride. Adding a Commercial Drone Certificate For Private Pilots looking to expand their capabilities, obtaining the FAA’s Part 107 Remote Pilot Certificate—commonly known as the commercial drone license—is a smart and surprisingly simple next step. In fact, certified manned aircraft pilots enjoy a streamlined process. Instead of taking the standard Unmanned Aircraft General (UAG) knowledge exam, Private Pilots can complete a free online training course through the FAA’s FAASafety.gov platform. Upon successful completion, you’ll receive your Remote Pilot Certificate, allowing you to operate drones commercially for photography, mapping, inspections, and more. It’s an excellent way to diversify your aviation skill set, open new professional opportunities, and engage with emerging technology in a rapidly growing industry. The Journey Ahead Pursuing a pilot certificate—whether for the sheer joy of flight or as a pathway to a new career—is a personal and transformative experience. For me, there’s nothing quite like the freedom of being in the air. It’s one of my greatest joys and favorite ways to spend time. But make no mistake: aviation demands discipline, dedication, and an unwavering commitment to safety. So, as you prepare to take off on this exciting adventure, remember this: safety always comes first —and if you're not having fun, you're doing it wrong. Dan Hartman is a Certified Flight Instructor. He can be contacted at 636-577-9957 if you have questions or interest in becoming a Pilot NTxConnect June, 2025 9
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WELLNESS CORNER Relationships Aren’t Always Easy By Cindy Jackson Even the strongest of us can struggle with relationships. More than 25% of people are disconnected from family, and more than half of marriages end in divorce. One-third of U.S. adults report being lonely, which is actually a decrease compared with 2024 statistics. In 2021, Americans reported fewer close friendships than ever. What’s even more profound than these sobering statistics is the fact that the quality of our lives is directly correlated to the quality of our relationships. In 1938 during the Great Depression, scientists began tracking the health of 268 Harvard sophomores. At the time, Harvard was an all-male school and the goal of this longitudinal study was to collect a treasure trove of mental and physical data on aging. The study was then expanded to the original group’s offspring, inner-city residents from some of the poorest neighborhoods in Boston and the wives of the participants. This is one of the longest studies on aging ever conducted. Surprisingly, the most significant findings of this study have nothing to do with wealth, accomplishments or success, but rather relationships. “The surprising finding is that our relationships and how happy we are in our relationships has a powerful influence on our health,” said Robert Waldinger, director of the study, a psychiatrist at Massachusetts General Hospital and a professor of psychiatry at Harvard Medical School. “Taking care of your body is important, but tending to your relationships is a form of self-care too. That, I think, is the revelation.” We see evidence of strained relationships all around us. Look no further than social media. The other day, I was talking with a neighbor who used the word “grief” in conjunction with the current divisiveness in our country and it resonated deeply. We might have truly forgotten how to have conversations. Focusing more on being right, only wanting to converse with those we agree with, and using labels more than curiosity. The differences in others, which could be considered opportunities, are concrete obstacles we refuse to break down. Doris Kearns Goodwin in her book “Team Rivals”, which was the basis for Steven Spielberg’s movie “Lincoln”, portrays four major contenders for the 1860 Republican presidential nomination on May 18, 1860. The race was close and Abraham Lincoln was ultimately the victor at the 1860 convention and proceeded to win the presidency. Determined both to hold the party together and to recruit the ablest men for his cabinet, Lincoln then persuaded each of his former rivals to join his cabinet. “We need the strongest men of the party in the Cabinet. We needed to hold our own people together. I had looked the party over and concluded that these were the very strongest men. Then I had no right to deprive the country of their services,” said Abraham Lincoln. 10 www.ntxconnect.com
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Arguably one of the greatest leaders of all time, Lincoln invited differences, obstacles and conflict into his presidency, viewing the challenge this would bring as an opportunity to strengthen, not weaken his leadership. That mind shift alone is one of the components of a healthy relationship. Not the absence of conflict, but rather, leveraging conflict as a vehicle to greater depth and success. What we perceive as differences and obstacles can be used to strengthen our relationships. Conflict and differences are a normal part of relationships; the key is not whether they occur, but how we choose to approach them. Long ago when I was the clinical director of an outpatient counseling office, I used to tell those coming in for marriage counseling that the difference between a good marriage and a bad one lies not in the presence of conflict, but in how it's handled. Good marriages face conflicts and use them as opportunities to deepen intimacy, while bad marriages avoid addressing them altogether. That’s a simple explanation, but the truth is, when we do not normalize our differences and the problems that come from them, we miss out on growth and deeper connections in our relationships, which is directly tied to our happiness and fulfillment in life. So, how do we address conflicts and relationship obstacles in a way that brings us together, not further apart? The first step, besides not being surprised by conflict, is to acknowledge that relationships are never exactly what they appear to be. I was at a conference on leadership and the speaker asked this large room of participants to raise their hand if they were currently dealing with a circumstance in their life that was causing them stress or anxiety. Every hand in the room, including mine, went up. When we are having a conversation, an argument or even a great time with a person, it’s never about just what’s on the surface. We are complex, layered individuals and we bring this into our interactions and relationships. We see just the tip of the iceberg when we have an encounter with another person, but many times it is the full weight of the iceberg that’s coming into the relationship dynamics. I’m sure we NTxConnect June, 2025 11
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all can relate when we’ve had a bad day at the office and we return home a little “short” and irritable. But what about when we are relating to a person with a history of trauma, abuse, low self-esteem and complicated trust issues? There is no way to even know the full extent of this when we are interacting with others. Couple this with our own issues, stress, insecurities, you name it, and we have a literal recipe for disaster. While it’s hard to know that the angry person at the dinner table isn’t angry with you, but rather upset about not understanding the latest math assignment, it is helpful to have the context. When we get easily agitated about the person who disagrees with us on our Facebook post, it’s important to step back and consider that we aren’t necessarily having a simple, single-layered conversation but a multiple-faceted one, based on our own and the other person’s perceptions, life experiences and wounds. I have found that one of the best things I can do when entering a conversation is to ask myself what “kind” of conversation needs to occur. Is this a practical conversation where exchanging information is the main goal, or do I need to provide empathy and understanding? Or is this a conversation and interaction that needs to be based on deepening trust and connection? Often, asking, “What do you need from me, or what do you want to walk away from our conversation with?” helps clarify and peel back some of the complexities that can derail our best intentions. This leads to the second suggestion for deepening relationships which is to prepare yourself to understand more than you are understood. I wish this was easy, but it’s incredibly difficult, even on our best days. We must be highly self-aware to avoid making the conversation about ourselves. This is not to say that our thoughts, opinions, feelings and needs are not important, but rather, when we start from a place of seeking understanding, we plant the seeds for all of those involved to be understood. Walking into the conversation with a desire to learn and understand literally changes the dynamics of the interaction to be productive. We must prepare ourselves emotionally for conflict and adopt a mindset that supports growth through it. This is the formula for deeper connection, personal growth, and ultimately, a healthy relationship. The third suggestion to strengthen our relationships is to listen and then listen some more. We have a fundamental problem in that we can process information four times faster than we can speak. This leaves some significant time for us to think about a lot of other things like our tasks, whether the Cardinals won yesterday’s game or what we are 12 www.ntxconnect.com
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going to say next. Listening is a skill that needs constant development. So, what to do with that extra time on our hands? Here lies the cream filling in the donut. We process what the other person is saying. Rather than thinking about what our response will be next, we ask ourselves: What is the other person thinking? What are they feeling? What are they needing? Going back to the iceberg analogy, this process helps us get a glimpse into what is lying under the icy waters, going for the portion of the iceberg that’s invisible on the surface. When we engage in this process we listen for understanding, diving deeper into the connection. How do we know if we got the answers to those three questions correct? We loop back for clarification, never assuming. I’ll spare you the “what happens when we assume” reference. You get the point. We ask, "Did I get the thought, feeling or need right?" We ignore assumptions and muddle past our preconceived notions to really understand. Maybe you can relate to the dismal relationship statistics I previously shared, or you consider yourself to be the Mr. Miyagi of relationships. Either way, we all have work to do. When we choose not to work on relationships, we eventually crash into the iceberg (last reference, I promise). In summary, relationships are hard but can get better when we: Embrace differences and conflicts Accept the complexity of those we relate to and ourselves Leverage conflict for deeper connection Listen with the intent to understand the other person’s thoughts, feelings and needs If you would like to receive relationship coaching or have a group/organization/business that would benefit from a discussion, please contact me at www.cindyjacksonwellness.com/work-with-me. NTxConnect June, 2025 13
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O F H S
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G O L F
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PHOTOGRAPHY Need a local photographer that loves to capture unique, candid and timeless images? My name is Annie Benfield & I am the face behind AMB PHOTOGRAPHY. I am very blessed to be able to help you capture those special moments. Anything from a touchdown at a football game, school pictures or a first kiss as bride and groom and so much more. A M B
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Missouri, often called the "Show Me State," is a treasure trove of natural beauty, historical landmarks, and vibrant cities. From the rolling hills of the Ozarks to the bustling streets of St. Louis, there's something for every traveler to discover. Whether you're seeking outdoor adventures, cultural experiences, or simply a relaxing getaway, Missouri has it all. Here are 10 great travel spots in the state: Gateway Arch: Iconic and breathtaking, the Gateway Arch is an architectural marvel that symbolizes the westward expansion of the United States. Visitors can ride to the top for panoramic views of the city and the Mississippi River, or explore the Museum of Westward Expansion at its base. Branson: Known as the "Live Entertainment Capital of the World," Branson offers a dazzling array of shows, attractions and outdoor activities. From world-class theaters to scenic lakes and hiking trails, there's no shortage of things to do in SUMMER TRAVEL SPOTS NTxConnect June, 2025 17
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cillum consectetur nulla esse eu qui proident occaecat irure fugiat dolor est anim aliqua ipsum cillum nulla deserunt nulla consequat ut nisi aute fugiat pariatur this vibrant city nestled in the Ozark Mountains. Lake of the Ozarks: With over 1,150 miles of shoreline, the Lake of the Ozarks is a paradise for water enthusiasts. Boating, fishing, swimming and water sports abound, while nearby resorts and marinas provide ample opportunities for relaxation and recreation. Mark Twain National Forest: Named after the famous American author, Mark Twain National Forest encompasses over 1.5 million acres of pristine wilderness. Outdoor enthusiasts can explore miles of hiking trails, scenic overlooks and hidden caves, making it an ideal destination for nature lovers. Kansas City: From its vibrant arts scene to its world-renowned barbecue, Kansas City offers a wealth of cultural experiences and culinary delights. Visit the Nelson-Atkins Museum of Art, catch a live jazz performance in the historic 18th & Vine District or sample mouthwatering ribs at one of the city's many barbecue joints. Meramec Caverns: Discover a fascinating underground world at Meramec Caverns, one of the largest cave systems in the state. Guided tours take visitors deep into the caverns, where they can marvel at towering stalagmites, glittering crystal formations and underground rivers. St. Charles Historic District: Step back in time in the charming town of St. Charles, where cobblestone streets, historic buildings and horsedrawn carriages evoke the spirit of the past. Explore quaint shops, dine in cozy cafes and stroll along the scenic riverfront. Hannibal: Immerse yourself in the world of Mark Twain in his hometown of Hannibal. Visit the Mark Twain Boyhood Home & Museum, take a riverboat cruise on the Mississippi River or explore the caves and trails of nearby Mark Twain State Park. 18 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 Elephant Rocks State Park: Marvel at nature's wonders at Elephant Rocks State Park, where giant granite boulders dot the landscape like colossal pachyderms. Visitors can climb atop the rocks for panoramic views of the surrounding forest or hike through shaded trails. Wilson's Creek National Battlefield: Delve into the history of the Civil War at Wilson's Creek National Battlefield, the site of the first major battle west of the Mississippi River. Walk in the footsteps of soldiers, explore historic landmarks, and gain insight into this pivotal moment in American history. Whether you're a history buff, outdoor enthusiast or culture vulture, Missouri has something for everyone. So pack your bags, hit the road and prepare to be amazed by all that the Show Me State has to offer. NTxConnect June, 2025 19
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SELF PUBLISHING We are fortunate to live in a time when authors have many options for getting their book out into the world. You have three main options: traditional publishing, hybrid publishing and self-publishing. Most authors, especially those writing their first book, will benefit most from self-publishing. Through this publishing pathway, you have total creative control over your book, you can get it to market faster and you keep much more of the profits. Between the three of us writing this article, we have published on nearly every platform and distribution channel, including traditional, hybrid and selfpublishing. We are big fans of self-publishing because of the control, speed and profitability it gives you as an author. Self-publishing doesn’t mean you compromise on quality. Rather, it means you are taking on the role of publisher in addition to being an author. You are overseeing all aspects of the book creation process, even though you are hiring out pieces of it. In this article, we will walk through the nine essential steps to self-publishing that book you’ve been dreaming about for years. Step 1: Purpose Before you dive into writing your first draft, it’s important to get clear on your purpose. These three elements, taken together, will help you get super clear on what you want to accomplish with your book. First, your book’s message. What is the single concept that drives your book? You should be able to distill it down into just a few very clear sentences. Second, your target audience. Many authors think their book is for “everybody.” Not true. You need to write for a specific audience, whether it is single moms, historical and romance fiction readers, fans of ’80s music and so on. Third, your own goals as an author. What do you personally want from this process? Maybe you want to fulfill a lifelong dream, become a recognized expert in your field, sell a product or service or leave a legacy for your children. Step 2: Outline The more effort you put into your book outline up front, the easier it will be to create the first draft. Writing a book is similar to building a house in that the more detailed your plans are at the beginning, the less time you will have to tear out sections and rebuild later. If you are writing a nonfiction book, remember that your outline represents the journey you are inviting the reader to take. You don’t need to make it an NTxConnect June, 2025 21 By Kent Sanders
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information dump where you share every bit of knowledge on a subject. We recommend taking a look at similar books in your genre to see how they have covered the topic, then adding your own particular viewpoint. If you are writing fiction, you can create a detailed outline according to popular story structure methods —or you can completely ignore this and create your story by imagining what happens next. The more fiction you write, the better sense you will have about what approach works best for you. Step 3: First Draft Many authors get stuck when creating their first draft. Why? Because they are trying to create a perfectly edited and structured book on the first try. That is a mistake. The first draft is simply a “first pass” on the book. Here are three tips for getting that draft completed as fast as possible, with as little pain as possible. First, have a time and place to write each day. Put 22 www.ntxconnect.com
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work is that you need to bring in help from others. This could be a writing coach, a developmental editor to help you restructure, re-arrange or revise your material, or beta readers to give you feedback— or all of the above. This is not the time to be precious, overly sensitive or a prima donna about your writing. Your sole concern should be to do what you need to make the book amazing. Step 5: Editing and Proofreading Typically, three editors will work on your book. First, your manuscript will be put through a developmental edit, the high-altitude view of your book for structure, plot, flow and reader connection. Next are copyediting and proofreading. Although often lumped together, these are separate steps involving different editors, each offering unique benefits. Copy editors catch mistakes the author missed, while proofreaders catch mistakes the copy editor missed. this time on your calendar. Make it a daily habit. Commit to it like you would if you were going to a doctor every day who is saving your life. Second, write the first draft as fast as you can. Many authors get bogged down because they lose momentum and feel stuck. Get that first draft written quickly, and you will feel a huge sense of accomplishment. And third, know that the first draft is probably not going to be great. This is completely normal. But you have to create a mediocre first draft so you have something to revise and edit. Just get it down and move on. You can’t edit a blank page. Step 4: Revision Revising your writing is a whole different ballgame than writing your first draft. In the first draft, you are wearing your creator hat. When revising, you are wearing your editor hat. The key point about revising and rewriting your NTxConnect June, 2025 23
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That is why we recommend working with a professional designer on your book cover and interior. A great designer will: Research other books in your niche and analyze their covers. Consider your target audience and create your cover design for them specifically. Design the interior to complement the cover art to create a cohesive experience for the reader. Working with a graphic designer who understands book publishing helps to ensure your book is professional in appearance. Plus, it saves you time so you can create your marketing plan. Step 7: Distribution After you have created the book, you have to make it available to readers so they can purchase, review and share it. The three most important platforms are: Amazon. You will use their Kindle Direct Publishing Copyediting makes the document clear, concise and grammatically correct. A good copy editor will make you sound smart. You know, like eight hours of sleep and two cups of coffee smart. Proofreading is performed to catch any lingering spelling, grammar, and punctuation errors; to ensure headings are properly applied; and to double check references and citations. Now that your book is copyedited and proofread, it’s time to design it into something beautiful. You’ll need a book designer for that. Step 6: Design Once your manuscript is written, it’s time to start thinking about your book cover. Your book’s design will help determine whether it sells or not. You often hear people say, “Don’t judge a book by its cover,” but everyone does. You have a split second to capture someone’s attention or lose it, so be sure to put your best foot forward in the design. 24 www.ntxconnect.com
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platform to publish your book directly to Amazon. However, do not use their Expanded Distribution feature. Set up your account at kdp.amazon.com. IngramSpark. By using this platform, you can distribute to bookstores, universities, libraries and lots of other places where readers will find your book. Set up your account at ingramspark.com. Draft2Digital.com. We recommend using this platform to distribute your ebooks. Although you will also do this through IngramSpark, between the two platforms you will have all the bases covered for ebook distribution. Set up your account at draft2digital.com. Step 8: Launch The basic idea of launching your book is to grab people’s attention and build excitement for it. Authors use all kinds of strategies for doing this during a launch, but a few simple practices will serve you well. Ask people to be part of your Advance Reader Team. This group will commit to buying the book during your launch period, leaving reviews on Amazon and Goodreads and also helping promote it to their networking. You can also use promotional pricing during the book launch. Reduce the price of your ebook and print version during the launch window, which is typically Monday through Friday. This helps to boost sales and “juice” the Amazon algorithms. Above all, focus on adding value, not selling your book. We have all seen authors on social media who only show up when they want sales and reviews. If you use storytelling and show up as an engaging human, that will go a long way toward helping people become more interested in your work. Step 9: Marketing It is important to market your book over the long term. Many authors only do this during and immediately after their book launch. But if you want to keep your book in readers’ minds for years to come, you must find ways to share it with them. One of the best assets you can build is an email list where you can communicate directly with your readers. Send them a weekly email where you tell stories and promote your books, products and service. Another fantastic way to market your book is by using social media. Lots of authors shy away from NTxConnect June, 2025 25
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Kent Sanders is a business ghostwriter who also runs the Profitable Writer membership, which helps writers grow their business. You can contact him at kent@theprofitablewriter.com. Kaycee Parker is a graphic designer who can elevate your book with an amazing cover and interior. You can contact her at kaycee@kpcommunications.net. Mike McConnell is an editor who will make your book look as professional and clean as possible through his years of editing experience working for many clients, including all the big New York publishers. You can contact him at mikesmcconnell@aol.com. social media because they perceive it’s just people venting about politics. Sure, some people do that, but if you intentionally connect with your core readers and show up in interesting ways on social media, you can build a tremendous following. In addition, you can be a guest on podcasts in your niche. This is an extremely powerful way to connect with listeners and readers in your niche. But don’t just hawk your book—be an interesting guest who is kind and generous. Make people feel good and tell great stories. The Bottom Line Self-publishing can feel like a big leap if you’ve never done it before. However, there are big advantages, especially compared to traditional publishing or hybrid publishing. You can get your book to market faster, continue to own all your rights and have complete control over the whole process. Feel free to contact us if you would like help with various aspects of the self-publishing process! 26 www.ntxconnect.com
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FINANCIAL CORNER By Mike Hunsberger It’s Never Too Early to Start Saving For College You just had a baby, what college is he attending? Seems like the last thing you should have to think about when your children are not even in preschool yet. But, the average cost of a college education has been steadily increasing with the most expensive schools now having a total Cost of Attendance (tuition, room and board, fees) of over $100,000 per year. Even state schools like Mizzou will cost about $30,000 per year. These rising costs make it imperative to start saving for college early. This is a good time to look at 529s and how they can help you make college a reality for your children. A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college costs. The 529 plans, legally known as “qualified tuition plans,” are sponsored by states, state agencies or educational institutions and are authorized by Section 529 of the Internal Revenue Code. Two Types of 529 Plans College Savings Plan: This is what most people think of when they discuss 529 plans. The college savings plan works much like a Roth IRA. The accounts are administered by a financial institution on behalf of the state. Contributions are made with after-tax dollars and grow tax free. 529 plans typically have several investment options from which you can choose. Most states, including Missouri, offer a 529 plan. But, you don’t have to pick the one within your state. NTxConnect June, 2025 27
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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 anim ipsum veniam deserunt laborum do velit tempor deserunt enim laborum in aute culpa consectetur nulla aliquip elit Lorem do tempor voluptate est voluptate dolor Pre-paid Tuition Plan: The pre-paid tuition plan allows you to pay some or all of your child’s future cost of education at today’s prices. Pre-paid tuition plans are primarily administered by each state. Tuition is for in-state, public schools. There is a separate pre-paid tuition plan for private colleges called Private College 529. Approximately 250 private schools participate. The pre-paid tuition plan is less popular than the college savings plan 529. Qualifying 529 Uses The funds in a 529 plan can be used for qualified higher education expenses, such as tuition, fees, books, supplies and room and board. Expenses must be incurred at a qualified educational institution, which can include colleges, universities, vocational schools and certain other postsecondary programs. Additionally, with the passage of the Tax Cuts and Jobs Acts, up to $10,000 per year can be used for K-12 education. State Tax Deductions Missouri, as well as many other states, offers tax deductions or credits for contributions made to a 529 plan. Missouri offers single tax filers a deduction of up to $8,000 and up to $16,000 for joint filers. While you can use any state’s 529 plan, in most cases, Missouri’s 529 plan provides the best benefit for Missouri residents. Maximum Contributions There is no limit on the annual amount that can be contributed to a 529 plan, but there is a lifetime limit on the amount that can be contributed. The amount varies state by state. Missouri currently allows one of the largest lifetime contributions, with a limit at $550,000. One tax note: Contributions to 529 plans are considered gifts to the named beneficiaries. The annual gift exclusion limit for 2025 is $19,000. 529 plans have a special provision allowing for up to five years of gifts (currently $95,000) to be made as a lump sum. As long as no other gifts are given to the beneficiary over the next 5 years, gift tax filing is not required. What happens if your child doesn’t go to college? If your child decides not to go to college, the funds in the 529 plan can be transferred to another beneficiary, such as a sibling or grandchild. There may be tax implications for this, so do your research before making any changes. The funds can also be withdrawn, but you will have to pay taxes and a 10% penalty on the earnings portion of the withdrawal. Additionally, starting in 2024 a maximum lifetime amount of $35,000 can be rolled from a 529 plan to a Roth IRA. What happens if your child gets a scholarship or attends a military academy? If your child gets scholarships to defray the cost of college, 529 funds can also be withdrawn. You will have to pay taxes on the earnings but will not be subjected to the 10% penalty. Conclusion A 529 College Savings Plan is a great way to save for your child’s college education. It offers tax advantages and the flexibility to transfer the funds to another beneficiary or withdraw them if your child decides not to go to college. The tax benefits from the Missouri 529 plan makes it a great option for Missouri residents. 28 www.ntxconnect.com
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seclusion contribute to a “country club” vibe, the reality of New Town is more nuanced and welcoming than many may perceive. This seclusion fosters a strong sense of community. New Town residents often connect with neighbors on their porches, at free concerts at the amphitheater or while enjoying drinks and dinner at a local restaurant. The opportunity for connection fosters a unique sense of belonging, a closeknit environment where people genuinely care about each other and their shared space. From young families to established professionals, artists to entrepreneurs, and retirees like me, the community is a tapestry of experiences and perspectives. There are a variety of housing options in New Town to A few years ago, when I first told my friends that I was moving to New Town, I received a lot of interesting reactions. Some were excited for me and others wanted to know why I was moving to someplace akin to the movie "Pleasantville" or "Stepford Wives", a meticulously crafted community seemingly too perfect. I explained that I was drawn to New Town because it truly is more than pristine facades and manicured lawns. It's a vibrant, evolving community full of interesting people, fun events and innovative businesses. But, most of all…it’s a walking community. Miles of sidewalk that take me past serene lakes, green spaces and beautiful homes. Not to mention a coffee shop and the ice cream kiosk! While its self-contained nature and relative PHOTO BY STEPHEN COX NTxConnect June, 2025 29
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collaborative spirit is evident in the numerous community groups working together to make New Town and the surrounding area a better place for everyone. If you want to know more, stop by my porch for a cup of coffee. Deb Sanders NTx Connect Relationship Manager New Town Resident Since February, 2023 deb@ntxconnect.com meet different needs and budgets. From modern apartments and townhomes to custom-built single-family homes, there's something for everyone. This range of housing options further contributes to the community's diversity, attracting individuals from all walks of life. By continuing to attract new businesses and residents, New Town is evolving and growing into a vibrant hub of activity. By looking beyond the “too good to be true” exterior, the real true heart of New Town can be discovered. It is a real community with real people facing the challenges of real life. The strength of New Town lies in its ability to confront these challenges collectively, fostering an environment of support and collaboration. This 30 www.ntxconnect.com
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SUNDAY, JUNE 22, 12:00 PM TO 4:00 PM 2025 GARDEN CLUB TOUR The New Town Garden Club in St. Charles, Missouri, is pleased to announce its muchanticipated annual Garden Tour, scheduled for Sunday, June 22, 2025, from 12:00 PM to 4:00 PM. Taking place at The Commons, this beloved community event offers a map-based, self-guided tour through at least ten of the most beautifully curated residential gardens in the New Town neighborhood. Perfect for gardening enthusiasts, nature lovers, and those simply seeking a charming way to spend a summer afternoon, the tour invites guests to wander through a wide array of landscapes. From traditional flower beds overflowing with vibrant perennials to sleek, modern outdoor spaces, each stop on the tour reflects the homeowner’s creativity and commitment to gardening excellence. While the complete lineup of participating gardens for 2025 is still being finalized, previous years have featured a stunning variety of garden styles. These have included pollinator-friendly designs, droughttolerant native plantings, edible gardens, and artistic layouts incorporating sculptures and water features. Each garden serves not only as a personal retreat for the homeowner but also as an educational and inspirational space for visitors. The tour is designed to be flexible, allowing participants to move at their own pace and spend time exploring the gardens that most interest them. Whether you're an experienced gardener or someone just beginning to develop a green thumb, this event provides a valuable opportunity to gather new ideas, ask questions, and discover creative approaches to outdoor living. Environmental Stewardship at the Forefront One of the hallmarks of the New Town Garden Tour is its emphasis on sustainable gardening practices. Many of the featured gardens incorporate environmentally friendly elements such as composting, rainwater harvesting, native plants, and natural pest control methods. This focus reflects the broader values of the New Town community, which prioritizes ecological responsibility and long-term environmental health. Guests will likely find information about these practices at many of the garden stops, and some homeowners may even be available to answer questions and share their gardening experiences. It’s a great chance to learn from fellow community members and gain practical knowledge for your own home garden. NTxConnect June, 2025 31
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APRIL GARDENING GUIDE: ESSENTIAL CHORES FOR ZONE 7 THIS SPRING Tickets and Raffle Information Tickets for the Garden Tour will be available for purchase on the day of the event, with sales taking place at 3324 Rue Royale Street, located in the main Commons building. Tour tickets are $15 per person, and children under five are admitted for free, making this an affordable outing for families and individuals alike. In addition to the garden tour itself, visitors can enjoy a selection of raffle items donated by local businesses, artists, and garden centers. These raffle prizes will also be available at the Commons, and proceeds from both ticket and raffle sales will benefit the New Town Garden Club’s ongoing community projects, including public beautification efforts and gardening education initiatives. More Than Just Gardens The Garden Tour is just one highlight in a yearround lineup of events that make New Town a truly special place to live and visit. The community hosts a variety of activities throughout the seasons, including outdoor concerts, seasonal festivals, food truck nights, markets, and family-friendly recreational events. These gatherings foster a welcoming, vibrant atmosphere where neighbors come together to celebrate creativity, connection, and the natural beauty of their surroundings. Join Us This Summer Whether you're a local resident or visiting St. Charles for the weekend, the New Town Garden Tour offers an enriching and enjoyable way to explore the neighborhood. For more information, updates on featured gardens, or to express interest in volunteering or hosting your garden in future tours, please visit the official New Town Garden Tour Facebook event page. Don’t miss this chance to be inspired, make new connections, and celebrate the joy of gardening! 32 www.ntxconnect.com
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NTx Connect Events JUNE 2025 7 7 12 14 SATURDAY SATURDAY THURSDAY SATURDAY IN NEW TOWN IN FRENCHTOWN AT COMMONS FITNESS IN NEW TOWN 1:00 - 6:00 P.M. 1:00 - 6:00 P.M. 1:00 - 2:00 P.M. 9:00 A.M. - 2:00 P.M. 14 21 28 29 SATURDAY SATURDAY SATURDAY SUNDAY WENDY L. GORDAN LIVE ON THE PATIO ADULT PROM STC BBQ FESTIVAL ST. CHARLES MARKET 2:00 - 4:00 P.M. 7:00 - 11:00 P.M. 11:00 A.M. - 9:00 P.M. 10:00 A.M. - 3:00 P.M. 29 SUNDAY PRINCESS MEET N GREET AND FLOWER 12:30 - 6:00 P.M. BOUQUET-MAKING GOLFGANZA 636 DAY HEALTH & WELLNESS SEMINAR: NUTRITION FOR LIFE IRISH ROAD BOWLING AT BOBAQUE AT THE MARQUEE IN NEW TOWN IN NEW TOWN AT THE MARQUEE For details, more events, or to add your own event to our calendar, visit ntxconnect.com/events 18 WEDNESDAY AT THE COMMONS 6:30 - 8:30 P.M. ST. CHARLES BOURBON SOCIETY: BLIND FIGHT CHALLENGE
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Food / Drink / Retail 1. Kimberly Jewelers 2. Bonnidell’s Ice Cream 3. Casa Mia 4. Domain Street Wine Bar 5. Marsala’s Market 6. Molly O’s Tropical Snow 7. The District Sports & Social 8. QuesoWhaat?! 9. Kurt’s Kolaches 10. Sweet Things Bakery 11. The Bridge Coffee & Fair Trade Market 12. Bobaque Restaurant 13. Brewtique 55. LuLu and Pop’s Event Venues 14. The Commons - Office & Event Spaces 15. The Commons - Courtyard 16. GlenMark Farms 17. New Town Amphitheater 18. The Marquee 19. New Town Chapel 20. Town Hall 24 10 20 40 33 *Listings with logos are part of NTx Business Network powered by The Commons 53 34 1 2 3 4 5 6 11 12 13 16 15 17 18 19 21 22 23 25 26 27 28 29 31 32 30 42 43 44 45 46 47 48 49 51 50 57 20 14 Personal Services 21. Commons Fitness Center 22. American Puppy Grooming 23. Salon Alchemy 24. Salon Turbo 25. Back in Motion Chiropractic & Dr. Courtney Lehmen 26. Bluebird Family Dental 27. Hair Commander Barber Shop 28. Studio Blend Salon and Spa 29. New Town Dance Academy 30. Demure Portrait 31. The Pampered Pineapple 32. Vet Stop 33. New Town Pickleball 34. Musicians’ Connection Professional Services 40. The Commons - Shared Office 42. Nieroda Insurance 43. Shelter Insurance 44. M. Dinzebach Construction Offices 45. Arrow Senior Living 46. Sunshine Senior Services 47. Henschel Hat Company 48. DigiCan Printing 49. New Town General Assembly Real Estate 50. New Town Sales Center 51. Promenade at New Town 53. NT Rental Properties 54. Houston Homes Religious 57. St. Charles Christian Church 11. The Bridge | Faith Community (C) 2023 Steve Cox. All Rights Reserved. NEW TOWN PICKLEBALL 5001 MERTEN CROSSING BROUGHT TO YOU BY 54 8 55 9 7
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REAL ESTATE The fertile grounds between the Missouri and Mississippi Rivers, long known for agriculture, are now experiencing a different kind of boom: population growth, and with it, a significant expansion of the Orchard Farm School District. This steady upward trend in student enrollment isn't just about burgeoning classrooms; it's a powerful force reshaping the real estate landscape of St. Charles County, driving demand, influencing property values, and drawing new families to the area. For years, Orchard Farm has been a community valuing its traditions and supportive atmosphere. However, the last decade has seen a notable increase in residents, fueled by new residential developments like Charlestowne and New Town, strategically located along Highway 370. These developments have brought a significant influx of families, pushing the district's enrollment to approximately 2,600 students from pre-K through 12th grade, and the growth continues. The Board of Education and administration are continuously working to improve educational offerings, and the community has consistently shown its support through approved bond issues. In April 2014, a no-tax-increase bond issue enabled the opening of a new Early Learning Center. Further community support in April 2018 led to another notax-increase bond for expanding the ELC and Orchard Farm Middle School. Most recently, Proposition G in 2020 funded the construction of the new Orchard Farm High School, which opened its doors in January 2024. Looking ahead, the passage of Proposition E means a new elementary school is on the horizon, slated for completion by August 2026. This consistent investment in facilities underscores the district's dedication to providing a high-quality education as it expands. The Real Estate Ripple Effect The direct correlation between strong school districts and real estate values is well-documented, and Orchard Farm is a prime example. As the school district thrives and expands, so too does the appeal of living within its boundaries. Here's how: Increased Demand and Property Values: Homes in desirable school districts consistently experience higher demand. Families, whether with school-aged GROWTH SPURT: HOW ORCHARD FARM SCHOOL DISTRICT'S EXPANSION IS SHAPING ST. CHARLES REAL ESTATE NTxConnect June, 2025 35
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children or planning for them, are often willing to pay a premium to secure a spot in a well-regarded educational system. This heightened demand translates directly into increased property values and often quicker sales. While specific median home sale prices for Orchard Farm directly can vary, the trend in St. Charles County, where the district resides, generally indicates an upward trajectory in home values. Neighborhood Appeal and Stability: A strong school district enhances the overall perception of a neighborhood. It suggests a community that prioritizes education, safety, and family well-being. This perception attracts a broader range of buyers, contributing to neighborhood stability and desirability. Even for individuals or couples without children, the presence of good schools can be a significant factor in a home's resale potential and long-term investment value. New Construction and Development: The sustained growth in student enrollment acts as a catalyst for new residential development. Builders are drawn to areas with expanding infrastructure and a clear demand for housing. In Orchard Farm, new construction homes are readily available, ranging from various price points and styles, further demonstrating the vibrant real estate market spurred by the district's growth. Developments like "Elm Crossing," "Charlestowne Landing," and "River Breeze" are actively adding new housing inventory to meet the growing demand. Long-Term Investment: Properties within the Orchard Farm School District are generally considered a sound long-term investment. Even during economic fluctuations, homes in strong school districts tend to exhibit greater resilience and retain their value better than those in less soughtafter areas. This stability provides homeowners with a sense of financial security. The commitment to educational excellence, coupled with the influx of new residents, creates a self-reinforcing cycle where a growing, high-quality school system contributes to an appreciating local real estate market, making Orchard Farm an increasingly attractive place to call home. 36 www.ntxconnect.com
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7 | 7:00 - 10:00 P.M. | "The Mark Perkins Band" (Best of Country) 13 | 7:00 - 10:00 P.M. | "El Scorcho" (Rock & Roll) 14 | 7:00 - 10:00 P.M. | "Boogey Chyld" with Sassy Slide Dancers (Dance Music) 27 | 8:00 - 11:00 P.M. | "Cap N Ed & the Catamarans" (Yacht Rock) 28 | 12:00 - 10:00 P.M. | "Spazmatics" (80's at its best) 3 | 7:00 - 10:00 P.M. | "Polly & the Pocket" (Best of 90's and Dance Hits) 4 | 6:00 - 8:00 P.M. | "Dan Kuse & Double D" (Music for everyone) 5 | 7:00 - 10:00 P.M. | "Scarecrow Joe" (The best of New Wave Dance) 11 | 7:00 - 10:00 P.M. | "The Sea Monks" (Music from all genres) 13 | 10:00 - 12:00 P.M. | “Ed & Darren” (Playing the best tunes ever) 18 | 7:00 - 10:00 P.M. | "Pink Houses” - Tribute to John Cougar Mellencamp 26 | 7:00 - 10:00 P.M. | “Non-Stop Reggae" with Sassy Slide Dancers 27 | 12:00 - 3:00 P.M. | “Ben & Ashley” The tradition continues with concerts planned through September. Attendees are encouraged to bring lawn chairs and blankets to enjoy the performances on the lawn. Food and drinks will be available for purchase or you can bring your own. Concerts are subject to change or cancellation, so be sure to check the Events at New Town Facebook page for updates. The Music is Back! Another Summer of Free Concerts in New Town at St. Charles Amphitheater June... July... NTx Connect Calendar of Events
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Academy of The Sacred Heart ......................................................... AMB Photography .......................................................................... Autobahn Car Wash ....................................................................... Cindy Jackson Health & Wellness ................................................... Commons Fit ................................................................................. Great Page ...................................................................................... MJW Law Office ............................................................................. Next Mission Financial ................................................................... New Town Pickleball ...................................................................... SCBS .............................................................................................. STL Coatings .................................................................................. Studio Luebke ................................................................................ The Bridge Coffee ........................................................................... 8 16 40 11 30 19 24 26 36 22 23 32 38 38 www.ntxconnect.com
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WHO WE ARE... A hyper-local, multi-media platform offering a monthly print magazine, a website, an app, digital signage and online marketing designed to address the growing need for reliable, community-focused information in the fast-growing North St Charles CITY area. WHO WE REACH... The confluence of the Missouri and Mississippi rivers presents a fertile foundation for local advertisers to reach the more than 14,000 highly-engaged residents that have made this region their home. Be the go-to choice for your business type in a growing market. To directly access a community-minded demographic eager to discover local businesses, events, and information. ads@NTxConnect.com Why Advertise with Us? Your Ad Here