Happenings — Issue No. 10

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HUB Member Spotlight Join The HUB, our growing Community Networking & Advertising Group. You could be in the spotlight! 3324 Rue Royale St St. Charles, MO 63301 info@CommonsGroup.CO CommonsGroup.CO 636-493-0307 Brett O'Daniell Co-Founder HomeTraq.com On Demand In-Person or Video Home Showings See the home of your dreams on your time.

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CONTENTS SUNFLOWER HILL FARM PA G E 5 Take a weekday trip to Sunflower Hill Farm—complete with fall foliage, farm fresh food and friendly staff. BUSINESS FEATURE PA G E 16 We sat down with Laura DeVries with Commcore Marketing and Commcore Outreach. FINANCIAL PLANNING TIPS PA G E 20 End-of-year financial planning can be critical to your overall financial stability. Follow these tips from Next Mission. FALL MUMS TIPS & TRICKS PA G E 38 If you want to add a vibrant color to your autumn garden, chrysanthemums are the answer. NO.10 FALL FESTIVALS & ACTIVITIES PA G E 12 Fall is a time of a plethora of Halloween Events. Check out our guide to some of the area activities. FINDING YOUR ZEN PA G E 23 Debra talks about her experience going to a ZenFit class hosted by Stephanie Lombardo at Commons Fitness. PA G E 2 | C O N T E N TS Bridge Crossing in New Town. Photo: Stephen Cox

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T HHUB E editor’s letter happenings. M A G A Z I N E PART N ERS E d i tor /Pu b l i sher Z a c M e t c a l f Photogr a p hy & D es ign E l l i e M e t c a l f C ont r i b utor s Sus an M a r i e Bl a k e y U r rut i a T e r r i St e f f e s D ebr a Saunde r s As autumn arr M i k e H unsbe rge r ives, it’s the perfect time to dive into the vibrant fall festivals happening throughout our area. From delightful hayrides to a plethora of trunk-or-treats, these events offer wonderful opportunities to connect with our community while enjoying the crisp air and beautiful foliage. As we look forward to Halloween, let’s embrace the season’s spirit with creative costumes and fun activities that bring families closer together. Amid the seasonal excitement, it’s essential to prioritize our health and wellness. The cooler weather invites us to enjoy outdoor activities like hiking, apple picking, and family outings, which can boost our mood and energy. Savoring nutritious seasonal foods can also help keep our bodies healthy. As the year draws to a close, now is an ideal time to reflect on our financial health, as well. Engaging in year-end financial planning allows us to set clear goals and prepare for a successful start to the new year. By taking stock of our finances, we can make informed decisions that pave the way for a brighter future. Here’s to a fulfilling fall filled with joy, wellness and thoughtful planning! Zac Metcalf Editor/Publisher TENTH ISSUE On the cover: Fall at the farm. Photo: Stephen Cox Inquiries: Please submit interest in becoming a partner to: zac@370valley.com or call: 636-312- 0422

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WEE K D A Y T R IP T O WI N E CO U N T R Y Beyond the delicious food and stunning scenery, what truly sets Sunflower Hill Farm apart is its atmosphere. The tranquil sounds of nature envelop you—the rustle of leaves, the distant calls of birds and the gentle clinking of dishes from the café. It’s a reminder of the simple pleasures of life, offering a moment of respite from the hustle and bustle of everyday obligations.

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A Scenic Weekday Escape to Sunflower Hill Farm As the leaves begin to turn, the Midwest transforms into a canvas of vibrant reds, oranges and yellows, making a weekday trip to Sunflower Hill Farm the perfect escape. Nestled in the rolling hills along Highway 94 through Defiance, Missouri, this family-owned gem invites visitors to experience the beauty of fall while savoring farm-fresh flavors. The Journey Begins: A Scenic Drive Setting out from the 370 Valley, the drive along Highway 94 is a feast for the eyes. As you wind through the picturesque countryside, the landscape unfolds like a storybook—bluffs rising majestically alongside the Missouri River and fields dotted with the last blooms of summer. The crisp autumn air invigorates the spirit, while the colors of fall create a stunning backdrop. The rolling hills seem to come alive in this season, with each turn revealing a new palette of foliage. Red and gold leaves flutter down like confetti and the soft sunlight filters through the branches, casting dappled shadows on the road. The serenity of this drive is a reminder of the beauty that nature offers, inviting you to slow down and take it all in. Arriving at Sunflower Hill Farm SUNFLOWER HILL FARM

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PA G E F O U R| J O U R N EY As you approach Sunflower Hill Farm, the charming facade of the café and farm store comes into view, welcoming you with open arms. Upon entering, you’re greeted by a friendly golden retriever, the farm’s beloved mascot. With a laidback demeanor, he exudes a sense of calm that sets the tone for your visit. This relaxed pup is perhaps the most serene dog you’ll ever meet, embodying the peaceful spirit of farm life. The farm’s inviting atmosphere is a blend of rustic charm and warmth, featuring wooden tables, bright floral arrangements and views that seem to stretch for miles. With every detail meticulously curated, Sunflower Hill Farm feels like a home away from home, making it the perfect place to unwind. A Taste of Farm Fresh Sunflower Hill Farm is not just a feast for the eyes; it’s a culinary delight. The menu showcases ingredients sourced from their own farm, ensuring that every dish is fresh and flavorful. Start your meal with a refreshing cheese and tomato salad, where the sweetness of the ripe tomatoes pairs beautifully with creamy, locally-made cheese. Seasonal soups provide a warm embrace on cooler days, offering comforting flavors that celebrate the harvest. For those looking to sip and savor, the café boasts an impressive selection of regional wines. Each glass tells a story of the local landscape, capturing the essence of Missouri’s wine country. Whether you prefer a crisp white or a robust red, there’s something to complement every bite of your meal. “THE MENU SHOWCASES INGREDIENTS FROM THEIR OWN FARM”

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To round out your experience, don’t miss their cold brew coffee, a perfect pickme-up. With just a dash of milk, it strikes the right balance of rich and refreshing, enhancing your enjoyment as you take in the serene vistas surrounding you. The Peacefulness of Farm Life Beyond the delicious food and stunning scenery, what truly sets Sunflower Hill Farm apart is its atmosphere. The tranquil sounds of nature envelop you—the rustle of leaves, the distant calls of birds and the gentle clinking of dishes from the café. It’s a reminder of the simple pleasures of life, offering a moment of respite from the hustle and bustle of everyday obligations. Take a stroll around the property to immerse yourself in the beauty of the farm. Fields filled with sunflowers, pumpkins, and other seasonal crops create a picturesque setting, while the winding paths invite you to explore at your leisure. Each corner reveals a new aspect of rural life, from the gentle sway of crops in the breeze to the sights and sounds of farm animals. A Perfect Midweek Getaway Whether you’re seeking a peaceful retreat or a delicious meal, Sunflower Hill Farm provides the ideal midweek getaway. The combination of stunning fall colors, warm hospitality and delightful culinary offerings makes this destination a must-visit during the autumn season. As you prepare to leave, take one last moment to soak in the view. The rolling hills and vibrant foliage are a reminder of the beauty that surrounds us, encouraging a sense of gratitude for nature and the simple joys of life on the farm. Whether it’s the warmth of the sun on your face or the taste of a fresh meal, Sunflower Hill Farm is a place where you can truly connect with the rhythms of the season. So, pack your bags and hit the road; a scenic drive and delicious food await you at Sunflower Hill Farm. Embrace the fall colors, savor the flavors and enjoy the peacefulness of a life well-lived.

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FALLINTOCOLOR Photos by: Stephen Cox

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While the St. Louis and St. Charles temperatures are still warm, fall has just rolled in, and Halloween, trick-or-treating and trunkor-treating is just around the corner! We have a fall festival and fall round-up for you and your family to explore activities in the area. The areas of New Town, French Town, Lakeside 370 and beyond offer events during October. Find your unique costume and check out the local area events! Legends and Lanterns: October 12th-27th St. Charles Main Street is hosting its annual Legends and Lanterns which runs from October 12th to October 27th. This is the opportunity to embark on a spooky journey through Halloween history and learn about the Historic Main Street in St. Charles. There are memorable experiences with character interactions, historical exhibits and some experiences that are fun but maybe a little frightening at the same time. This fun FALL FESTIVAL AND HALLOWEEN ROUND UP Legends & Lanterns Festival

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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 journey takes place on the charming Main Street and has become an annual St. Charles tradition. Check out the website for more information: https://www.discoverstcharles.com/events/legen ds-lanterns/. Daniel’s Farm: Month of October Daniel’s Farm is open throughout the month of October for fall fun. There is a giant straw maze and petting zoo. There are plenty of tube slides, pony swings, giant tire swings, corn boxes and antique farm equipment to explore! There is also a train available that goes around the farm. Visit the website at https://www.danielsfarmandgreenhouse.com/ for more details! Hermann Farm: Month of October Hermann Farm offers tractor rides and pumpkins. There is also a nice castle playground with tricycles and small trucks. Visit the website for details: https://hermansfarm.weebly.com. Dark Carnival at Lindenwood: October 18th Lindenwood is hosting an event called Dark Carnival on October 18th and will include events such as a trunk-or-treat from 5pm to 7pm, a blood drive, a t-shirt food drive, a scream zone with rides, a cotton candy cottage, a haunted house, a bounce house and food trucks. Find the event details and times here: https://www.lindenwood.edu/dark-carnival/. Immanuel Lutheran Church Trunk-or-Treat: October 22nd Immanuel Lutheran Church is hosting a trunk-ortreat on October 22nd from 4pm to 6pm in the main parking lot. There will be popcorn, candy, hot dogs and bounce houses. Visit the website for more information: https://www.immanuelstcharles.org/trunk-ortreat/. Hermann Farm

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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 Off Road Fall Fest: October 25th 6pm-9pm There is an Off-Road Fall Fest to be held which will have a haunted house, trunk or treat, live music and SXS showcase and competition. This is free to attend, and the event will be held at 3830 West Clay Street. The event is being hosted by Big St. Charles Motorsports and St. Charles Harley-Davidson. October 25th, 6pm-8pm There is a trunk-or-treat event being held at Lindenwood on October 25th at 1211 Lindenwood Avenue. This event will be held in the gymnasium with tables set up as trunks. New Town Trunk-or-Treats: October 26th New Town will host its New Town businesses trunkor-treat on October 26th starting at 3pm. Look for signs saying Candy Stop in the windows of local businesses! Then begin the trunk-or-treat at the New Town amphitheater at 4pm! Academy of The Sacred Heart Trunk-or-Treat: October 27th Academy of The Sacred Heart is hosting a trunk-ortreat event on October 27th from 5pm to 7:30pm at 619 N 2nd Street. Check out the website for details: https://www.1stcharles.org/events/trunk-or-treat5/. First Baptist Church Trunk-or-Treat: October 27th First Baptist Church is hosting a trunk-or-treat event on October 27th from 4pm to 5:30pm at 2701 Muegge Road. Check out the website for details: https://www.1stcharles.org/events/trunk-or-treat5/. That’s a wrap for some highlights of the fall and Halloween events in the area! The St. Charles area offers many activities during this month of October for all ages. Families can enjoy this fall time with festivals, trunk-or-treats and many more activities! Pumpkins and more pumpkins ASH Trunk-or-treat

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Happenings: Thank you for taking the time to meet today. Can you tell us a little about your background and how you got involved in marketing? Laura: Absolutely! I’m originally from Nebraska, but we moved to St. Louis in the mid-80s. I spent my high school years here and graduated from Westminster Christian Academy. I went on to earn my undergraduate degree from Webster University and my master’s from Fontbonne University. With over 25 years in the business world, I have a lot of experience in marketing communications for everything from small businesses to Fortune 500 companies. The idea of starting my own business has been with me since 1996, as my thesis laid the groundwork for what would become Commcore Marketing. In 2014, I had what I refer to as my “Aha” moment. At that time, my son was in . kindergarten, and I found myself unhappy at work. I often carried that stress home and realized I was missing out on important moments, like when he learned to tie his shoes. So, I decided to take the risk and start my own company, allowing me to be home more, and I’ve never looked back since. Happenings: That’s an inspiring journey! What types of services does Commcore Marketing provide for both individuals and companies? Laura: What sets Commcore Marketing apart is our ability to act as a Chief Marketing Officer for our clients. Creating a marketing plan can be time-consuming, and we help fill that need so companies can focus on their production or service side. We work with a variety of businesses, both small and large, offering full-service marketing support—ranging from marketing audits and online communications to email marketing and website refreshes. One successful strategy we’ve implemented is maintaining fresh content on company websites, as many businesses simply lack the time or resources to do this consistently. Q & A WITH LAURA AT COMMCORE

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Happenings: When you initially started out, what did that journey look like, and was there a particular industry you focused on? Laura: In the beginning, I was heavily involved in the real estate market. I worked with realtors, brokers, and B2B companies that serve the real estate industry, like surveyors and mortgage companies. I quickly noticed how overwhelmed realtors were with the numerous tasks involved in a single transaction. Through conversations in the industry, it became clear that many needed help with brand awareness and social media marketing, which is quite time-consuming. By providing these outsourced services, companies could focus on their primary goal: selling. My first client, who is still with me today, was Cardinal Surveying and Mapping. Over the past five or six years, I’ve diversified into helping businesses in other industries, but real estate was the foundation of Commcore Marketing. Happenings: As you continue to diversify, how do you adapt your marketing strategies based on economic trends and changes in various industries? Laura: Keeping a close eye on the economy is crucial for identifying new opportunities. Different industries go through growth phases or downturns, and I believe that the messaging companies put out is vital in both situations. I’m always looking across various industries to see where we can provide assistance while also growing our client base. Recently, I joined and became certified with the Women Owned Business Enterprise, which has a vast network of both public and private businesses. Additionally, I’m passionate about mental health. Being home more

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allowed me to support my son during his early struggles with mental health, which inspired me to advocate for him and others facing similar challenges. We recently launched a new brand called Commcore Outreach, focused on raising awareness and providing solutions for youth mental health, partnering with organizations like Compass Health and local schools. Happenings: That sounds like an impactful initiative. What does the team structure look like at Commcore Marketing? Laura: I have a fantastic team of five members, including my assistant, a social media manager, a content manager, and a graphic designer. We also have a team member based in Ecuador who assists with translating marketing materials and initiatives. As our demographics change, I’m proud to expand our bilingual communications, especially considering the growing Spanish-speaking population both in the U.S. and locally. For those interested in getting in touch, they can reach us via email or phone. I’m happy to offer a free consultation and provide initial advice. Happenings: What goals do you have for Commcore Outreach, and how do you envision it impacting the mental health landscape in your community? Laura: Commcore Outreach is a significant part of our future initiatives. My focus here isn’t monetary but rather about helping individuals and organizations advocate for mental health. With my experience, I believe I can assist not only individuals but also companies in raising awareness within their organizations. I have a few books in the works and am developing a podcast series. This passion is something I’m excited to expand within our business. Happenings: Finally, when you’re not heavily involved in the day-to-day operations of the company, what do you enjoy about life outside of Commcore Marketing? Laura: That’s a great question. My life looks quite different now than it did a year ago. As I mentioned earlier, my first “Aha” moment was crucial, but I had a second one about a year ago when I realized I needed to remove myself from an unhealthy marriage. I’ve since focused on self-care and finding peace and happiness. I’m pleased to say my son is thriving after wilderness therapy in Utah, so I spend a lot of time supporting him as he navigates this new chapter. I also cherish moments with my friends, parents, and aunt. The hardest part of my personal journey over the past year has been learning to become comfortable with the uncomfortable. Laura DeVries, Owner E: LauraD@CommCoreMarketing.com C: 314-308-0799 W: www.CommCoreMarketing.com

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year for stock investors. The major indexes are up significantly (as of October 10). But maybe a bond or bond funds are still underwater from the rapid increase in the Federal Reserve raising interest rates a few years ago. Tax loss harvesting is the selling of investments that are now below what you paid for them. This can be used to offset other taxable investment gain. You can also write off up to $3,000 per year against your income if losses are larger than gains. This can be a great strategy in down markets. [There specific rules regarding selling and buying the same or very similar securities called the wash-sale rules. Make sure you understand this or talk to a financial professional] You’ll also want to check you tax return to make sure any carry-over loses are reflected for this year. You’re probably thinking how can it be November? Where did 2024 go? But, before we turn the page to 2025 there are some actions to consider that could improve your financial situation. These include tax considerations, cash flow, and timing of income, and insurance items. Here are 10 things you’ll want to check before January 1, 2025. 1. Unrealized investment losses in your taxable accounts—2024 has been a good END OF YEAR PLANNING By Mike Hunsberger happenings. T I P S

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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 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 2. Required Minimum Distributions—Ensure you are taking any required RMDs. This could be for your own account if you’re 73 or older or you have an inherited IRA. The IRS has issued final guidance based on the SECURE act and the rules regarding inherited IRAs. For those IRAs inherited in 2019 or later, the IRS waived the requirement to take RMDs in 2024. This doesn’t change the fact that non-eligible beneficiaries will still need to empty the account within 10-years so it may make sense from a tax perspective to take money from the account this year. The rules for inherited IRAs is INCREDIBLY complex. Again, consult a financial professional if you’re in this situation. 3. Future Income Changes—Are you approaching your retirement? Will your income drop in the future? If so, that can be a great time to defer taxes by using a Traditional IRA or retirement account. This can be especially powerful if you’ll have lower income years where you can convert from a Traditional account to a Roth. 4. Charitably Inclined? The standard deduction has increased significantly. This has limited many people’s ability to itemize taxes. You could consider charitable contribution stacking or bunching where you make several years’ worth of donations in one year to be able to itemize. 5. Increase Retirement Savings—The maximum salary deferral to an employer plan is 23,500 plus the over 50 catch-up of $7,500 for 2024. You’ve got limited time to make changes for this year, but next year these are projected to rise by $500. You’ll want to check the IRS.gov website to get the numbers when they’re finalized and update your withholdings with your employer to adjust them. Additionally starting in 2025, those reaching ages 60, 61, 62, or 63 are eligible for a higher catch-up contribution. They will be able to contribute 150% of the regular 50+ catch-up. For 2024, this would have been $11,250 so it presents a unique opportunity for people reaching those ages. 6. 529 Accounts—You can use your annual gift exclusion to contribute up to $18,000 to a beneficiary’s account tax free. This can be a great option for grandparents who want to help their grandchildren. 7. Flexible Spending Account – The flexible spending account (FSA) for healthcare allows you to contribute pre-tax money that you can spend on qualified health care costs. These funds typically have to be used before the end of the year. Make sure you spend any FSA funds or see what your employer has for options. This might include a partial rollover of funds to next year. 9. Health Insurance Deductible—If you’re over your deductible, consider whether incurring other medical expenses this year makes sense before your deductible resets.

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F I N A N C IAL WE L L N ESS H A P P E N I N G S M A G A Z I N E CEO OF RIMBERIO COMPANY 9. Annual gift exclusion—Gifts up to the annual exclusion amount of $18,000 (per donor, per year, per donor) are tax free. A couple could gift $36,000 to a child tax free. 10. Financial Aid and Taxes—Do you have a high schooler? It’s important to know what year your tax return will be used for filing the FAFSA. This can get confusing because school years don’t line up with tax years. The FAFSA uses taxes filings from the year the student starts their junior year. Since that’s September, the tax year starts in January of the sophomore year. If you’d like a more-detailed end of year planning checklist that has other considerations tax bracket thresholds, significant windfalls from stock-based compensation, business expenses, FSAs, etc. that might apply to your specific situation you can download it here: https://nextmissionfinancialplanning.com/en d-of-year-checklist/ This isn’t tax or legal or investing advice so make sure you consult with your tax professional. Mike Hunsberger, Owner Next Mission Financial E: mike@nextmissionfinancialplanning.com W: www.nextmissionfinancial.com

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FINDING MY ZEN Exploring Body & Mind Through ZenFit At Commons Fitness Center I had only recently joined The Commons Fitness center when Jeannie from The Commons office told me about a new class - ZenFit. The name alone sounded like it would meet two of my life-long goals: physical fitness and inner peace. She explained to me how the class incorporates Yoga and Pilates moves with Tai Chi. I signed up for a free trial class and showed up with a yoga mat and high hopes. I had never attempted Pilates. Not even knowing what Tai Chi was, obviously I had never attempted that either. But, many years ago, I did try Yoga. Before streaming, we used an ancient technology called DVD’s. This workout DVD included two Yoga sessions for beginners - one for morning and one for evening. And since these sessions were on a DVD, they could be done in the privacy of my own home (usually while the rest of my family slept). These early experiences with Yoga were challenging. The moves and stretches were much more difficult than they looked. But I did persevere and before long I was able to keep up with the instructor on the DVD, stretching muscles that had previously slept quietly. I used my newly awoken muscles to hold poses for what felt like hours (although the whole program was about 30 minutes). But, as often happens with my attempts at fitness, life got in the way, and my resolve quickly dissolved. So when Jeannie offered me another chance at being a yogi, I was excited to get started. My free trial ZenFit class was held on a Tuesday morning at The Commons Fitness center. I was nervous about being in a class with other participants and an instructor. Stephanie, a lovely young lady with a lot of patience, helped me through some basic Yoga and Pilates moves and introduced me to some interesting Tai Chi skills. With a bad knee on my right leg and a bad foot on my left (two surgeries last year), it was difficult to keep up but Stephanie was very encouraging. She moved through the program fluidly, with graceful movements that were purposeful. She gave each student reassurance along with suggestions for Z e n F it f o c u s e s o n m e n t a l we l l- b e i n g t h r o u g h Y o g a a n d T h a i Ch i . by: Debra Saunders

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modifying the moves to make them easier and more comfortable. I won’t kid you into thinking I came in and “aced” this class. I did not. Arms and legs were flying out of sync with the instructor and my balance was questionable at best. One move saw me attempting the tree pose which requires balancing on one leg while placing your other foot on that knee. To keep my balance, I kept touching the floor with my raised leg and it probably looked like I was trying to two-step in a line dancing class. But balance is so important, especially for older adults. A strong core is essential for good balance and, despite how it looked, I was starting to find my core. In this first class, I was performing most of the moves at about 50% of the goal. So, no, I did not ace the class. But, I did wake up long slumbering muscles and by the end of the class I felt revived and renewed. Our last exercise involved deep breathing while lying flat in a relaxed position. And, in that moment, I did feel an inner peace. coach involved that helps to unify everyone. There are many benefits to practicing Yoga, Pilates and/or Tai Chi on a regular basis. These disciplines address key components for fitness – muscle strength, balance, flexibility – while helping you manage stress, relax and sleep better. See related studies on these websites: hopkinsmedicine.org, clevelandclinic.org, and health.harvard.edu. Stephanie said, “I always feel relieved from the stress of everyday life by the time I finish class. This is time to focus on yourself and your body. When you finish, you will feel strong and you will know you can take on the rest of your day.” Stephanie reminds her students to “take deep breaths and honor your body where it is today.”Namaste. Z e n F it i n c o r p o r a t e s T a i Ch i i n t o e a c h s e s s i o n . S t e p h a n i e L o m b a r d o , Z e n F it I n s tr u c t o r a t Co m m o n s F it. happenings. H E A L T H

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Where Community & Fitness Come Together Neighborhood Boutique Gym • 24/7 Door Access • No Contracts Free Weights • Cardio Machines • Weight Stack Machines Dry Sauna • Massage Therapist Avialable Sign Up Today @ CommonsFit.com and Work Out within Minutes CommonsGroup.CO Schedule a Tour Today Group C Fitness lasses E V E N T S PAC E Our private courtyard in New Town offers a captivating ambiance perfect for an unforgettable event. Host an elegant outdoor celebration, cocktail party, or reception for up to 48+ dining. Kitchenette, indoor restrooms, and free parking. Affordable elegance, come celebrate with us. 7-hour rental $500, other options available.

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PA G E F O U R| J O U R N EY FOOD & DRINK Pumpkin Soup Ingre d ient s : 2 t abl e spoons ol i v e oi l 1 medium onion, chopped 2 c lov e s ga r l i c , minc ed 1 t e a spoon ground ginge r (or 1 t abl e spoon f r e sh ginge r , gr a t ed) 1 t e a spoon ground cumin 1 t e a spoon ground cor i ande r 1 / 4 t e a spoon nutmeg 4 cups pumpk in pur e e ( c anned or f r e sh) 4 cups v ege t abl e or chi c k en broth 1 cup coconut mi l k (or he a v y c r e am) Sa l t and peppe r to t a s t e F r e sh he rbs ( l i k e pa r s l e y or c i l ant ro) for ga rni sh Pumpk in s e eds for ga rni sh (opt iona l ) Ins t ruct ions : Saut é Aroma t i c s : In a l a rge pot , he a t the ol i v e oi l ov e r medium he a t . Add the chopped onion and s aut é unt i l t r ans luc ent , about 5 minut e s . Ins t ruct ions (cont inue d ) : Add the minc ed ga r l i c and ginge r , cook ing for anothe r minut e unt i l f r agr ant . Add Spi c e s : St i r in the cumin, cor i ande r , and nutmeg. C ook for an addi t iona l minut e to toa s t the spi c e s . Add Pumpk in: Add the pumpk in pur e e to the pot and s t i r to combine w i th the a roma t i c s and spi c e s . Pour in Broth: G r adua l l y add the v ege t abl e or chi c k en broth, s t i r r ing unt i l w e l l combined. Br ing the mi x tur e to a s imme r and cook for about 1 5 minut e s , a l lo w ing the f l a vor s to me ld. Bl end the Soup: U s ing an imme r s ion bl ende r , bl end the soup unt i l smooth. I f you don’ t ha v e an imme r s ion bl ende r , c a r e ful l y t r ans f e r the soup in ba t che s to a r egul a r bl ende r . Add C oconut M i l k : St i r in the coconut mi l k (or he a v y c r e am) and s e a son

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w Ellie Sojin Metcalf, Food Columnist, Happenings Magazine. i th s a l t and peppe r to t a s t e . H e a t through. L adl e the soup into bo w l s , ga rni shing w i th f r e sh he rbs and pumpk in s e eds i f de s i r ed. Enjoy !

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Currently, we provide a platform on Facebook and other social media channels for members to connect with fellow bourbon aficionados. Additionally, we publish monthly articles aimed at providing insights into exceptional bottles and compiling a list of noteworthy additions for your collection. We are excited to announce our upcoming tasting events, designed to offer members the opportunity to sample quality bourbons while enjoying the camaraderie of like-minded connoisseurs. Stay tuned for updates on these events through our publication, Facebook group, and website. The St. Charles Bourbon Society is a membership-based organization dedicated to promoting and celebrating the appreciation of bourbon whiskey. Through a combination of membership benefits, informative blogs, exclusive tasting events, and more, we aim to cultivate a vibrant community of bourbon enthusiasts. Our mission is to educate, entertain, and connect individuals who share a passion for the rich history, craftsmanship, and diverse flavors of bourbon. The St. Charles Bourbon Society is continually expanding, offering an array of benefits centered around the values of culture, collaboration, and LOCAL GROUP HAPPENINGS MAGAZINE

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sipping tools. Show your pride in being part of our wonderful community dedicated to celebrating the appreciation of bourbon whiskey by purchasing our merchandise. www.stcharlesbourbonsociety.com Make sure to check out our membership tiers that grant access to discounts on bourbon experiences across St. Charles County. These discounts extend to participating restaurants and liquor stores throughout the county, allowing our members to explore new establishments that share our passion for bourbon culture. Join our community on Facebook, where you can engage with fellow bourbon enthusiasts. Visit our website to discover and acquire some of our recommended LOCAL GROUP HAPPENINGS MAGAZINE

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Before Contractors After Featured Renovation in New Town: Space Reimagined Pavers and walkway Wiese Nursery 636-978-3213 wiesenursery@aol.com Fence 94 Welding/Fab LLC 636-734-8003 smithservices1@sbcglobal.com Design Studio Luebke 314-630-8831 https://www.facebook.com/studioluebkellc/ DESIGN SPOTLIGHT

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BEST START Photos by Annie Benfield

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I N S C H O O L H IST O RY

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The Ultimate Guide to Caring for Mums Welcome to the ultimate guide on caring for fall mums! If you want to add a vibrant color to your autumn garden, chrysanthemums are the answer. These gorgeous flowering plants, also known as mums, are a favorite choice for many gardeners due to their stunning blooms and relatively low maintenance needs. Whether you're a seasoned gardener or just starting, our step-by-step instructions and expert advice will help you achieve stunning results. Get ready to learn the secrets of nurturing healthy mums that will enhance the beauty of your outdoor space throughout the fall season. So, grab your gardening gloves, and let's get started! Follow our ultimate guide to caring for fall mums, and soon, you'll be rewarded with a breathtaking display of colorful chrysanthemums in your garden. Understanding Chrysanthemums: Types, Colors, and Varieties Chrysanthemums, commonly known as mums, are a diverse group of flowering plants that belong to the Asteraceae family. These vibrant and versatile flowers have been cultivated for centuries, dating back to ancient China and Japan. Today, mums come in various shapes, sizes, and colors, making them popular for gardeners and florists. One key factor in successfully growing fall mums is understanding the different types and varieties available. Mums can be broadly classified into several categories: garden, exhibition, and decorative. Garden hardy mums are the most common type in home gardens and landscapes. These resilient plants thrive in cooler climates and are known for their abundant blooms, often in shades of yellow, white, pink, purple, and red. THE ULTIMATE GUIDE TO FALL MUMS GARDEN CLUB TIPS

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On the other hand, exhibition mums are grown for their large, intricate flowers and are often seen in competitive flower shows. These mums require more specialized care and attention, but their stunning displays are well worth the effort. As the name suggests, decorative mums are grown primarily for their ornamental value and are often used in floral arrangements, centerpieces, and other decorative applications. These mums come in various shapes, including pompons, spiders, and quills, adding unique visual interest to any setting. When selecting mums for your fall garden, it's important to consider the type and the specific variety. Different mum varieties can have varying bloom times, growth habits, and resistance to pests and diseases. By choosing a mix of early, mid, and late-blooming varieties, you can extend the flowering season and enjoy a continuous display of vibrant colors throughout autumn. Choosing the Right Location for Your Fall Mums Selecting the right location for your fall mums is crucial for their growth and success. Mums thrive in areas that receive ample sunlight, with most varieties requiring at least six hours of direct sunlight daily. When planting mums, choose a spot in your garden that is exposed to full sun or partial shade, as too much shade can result in leggy, sparse plants with fewer blooms. In addition to sun exposure, soil drainage in your chosen location is also essential. Mums prefer well-drained, nutrient-rich soil that is slightly acidic, with a pH range of 6.0 to 6.5. Avoid areas with heavy, clay-like soil or poor drainage, as these conditions can lead to root rot and other issues. If your garden has heavy soil, consider amending it with organic matter, such as compost or peat moss, to improve drainage and aeration. The placement of your mums in the garden is also essential. When planning your layout, consider the mature size of the plants and leave enough space between them to allow for proper PA G E 32 | H O M E Photos and article by Terri Stef es

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air circulation. This will help prevent the spread of fungal diseases and ensure each plant has the necessary resources to thrive. Additionally, positioning your mums in a sheltered area, such as near a wall or fence, can protect them from strong winds that can damage the delicate blooms. By carefully selecting the right location for your fall mums, you'll set the stage for a vibrant and successful growing season. Remember to observe the sun exposure, soil conditions, and spacing requirements to ensure your mums reach their full potential and provide a stunning display of color throughout the autumn months Soil Preparation for Growing Fall Mums Proper soil preparation is essential for growing healthy and thriving fall mums. Although mums are relatively low-maintenance plants, they do require well-draining, nutrient-rich soil to reach their full potential. By preparing the soil before planting, you can ensure your mums get off to a strong start and continue to flourish throughout the growing season. The first step in soil preparation is to test the pH level of your soil. Mums prefer slightly acidic soil, with a pH range of 6.0 to 6.5. If your soil is too alkaline, you can lower the pH by incorporating organic matter, such as peat moss or compost. Conversely, add lime to raise the pH level if your soil is too acidic. Next, it's essential to ensure that your soil has good drainage. Mums cannot tolerate soggy conditions, as this can lead to root rot and other issues. If your garden has heavy, clay-like soil, consider amending it with compost, perlite, or sand to improve drainage and aeration. Raised garden beds or well-draining containers can also be an excellent option for growing mums in areas with poor soil quality. Once you've addressed the pH and drainage concerns, it's time to enrich the soil with nutrients. Mums are heavy feeders and require balanced, nutrient-rich soil to produce abundant vibrant blooms. Incorporate a slowrelease, all-purpose fertilizer or compost into the soil before planting, ensuring an even distribution throughout the planting area. This will provide a steady supply of essential nutrients to support the mums' growth and flowering throughout the season. By taking the time to prepare the soil properly, you're setting your fall mums up for success. With the right pH, drainage, and nutrient levels, your mums will be able to thrive and reward you with a stunning display of color in your autumn garden. Planting Fall Mums: Step-by-Step Guide Planting fall mums is straightforward, but following a few key steps can ensure your plants get off to a strong start and continue to flourish throughout the growing season. Whether planting nursery-grown mums or dividing and transplanting existing plants, this step-by-step guide will walk you through the process. Choose the right time to plant: The optimal time to plant fall mums is typically in the late summer or early fall when temperatures are cool and the soil is still warm. This allows the plants to establish their roots before the first frost arrives. Prepare the planting area: Select a welldraining, sunny location and amend the soil as needed, following the soil preparation guidelines outlined earlier. Loosen the soil to a 6-8 inches depth to allow for easy root penetration. Space the plants appropriately: When planting mums, leave enough space between each plant to allow for proper air circulation and growth. Generally, space mums 12-18 inches apart, depending on the variety's mature size.

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Dig the planting hole: Dig a hole slightly larger than your mum's root ball. This will allow the roots to spread out and establish themselves more easily. Gently remove the plant from its container: If you're planting nursery-grown mums, carefully remove the plant from its container to not damage the root system. Place the plant in the hole: Position the mum, ensuring the top of the root ball is level with the surrounding soil. Fill the hole with the amended soil, gently tamping it down to remove any air pockets. Water thoroughly: After planting, water the mums deeply, ensuring the soil is evenly moist but not waterlogged. Mulch the area: Apply a 2-3 inch layer of organic mulch, such as shredded bark or wood chips, around the base of the plants. This will help retain moisture and suppress weeds. Stake or support the plants: If necessary, support taller mum varieties by staking or caging them to prevent them from falling over or becoming lodged in the soil. By following these step-by-step instructions, you'll be well on your way to establishing a thriving fall mum garden that will bring vibrant color and beauty to your outdoor space. Watering and Fertilizing Fall Mums Proper watering and fertilizing are essential for the health and vigor of your fall mums. These flowering plants have specific moisture and nutrient requirements, and understanding how to meet these needs can make all the difference in their growth and performance. Watering fallmums: Mums require consistent moisture to thrive but are also sensitive to overwatering. The key is maintaining even, well-draining soil moisture throughout the growing season. Water your mums deeply to keep the soil moist but not waterlogged. During hot, dry weather, you may need to water more frequently, but allow the soil to partially dry out between waterings to prevent root rot and other moisture-related issues. Pay close attention to the soil moisture levels and adjust your watering schedule accordingly. Wilting or drooping leaves can indicate that the plants need more water, while yellowing or discolored foliage may indicate overwatering. Aim to keep the soil consistently moist but not saturated to ensure your mums receive the optimal amount of moisture for healthy growth and vibrant blooms. Fertilizing fallmums: Mums are heavy feeders and require regular fertilization to support their growth and flowering. Choose a balanced, slow-release fertilizer formulated for flowering plants and apply it according to the manufacturer's instructions. happenings. H O M E

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Typically, you'll want to fertilize your mums every 4-6 weeks during the growing season, starting in early spring and continuing through the fall. When fertilizing, apply the product evenly around the base of the plants, avoiding direct contact with the foliage or stems. This will help ensure the nutrients are readily available to the roots and promote healthy, vigorous growth. Additionally, consider supplementing your mums with a liquid or water-soluble fertilizer during peak bloom times to boost nutrients and support the development of those stunning flowers. Following best practices for watering and fertilizing your fall mums will reward you with lush, vibrant plants that produce abundant, beautiful blooms throughout autumn. Monitor your mums closely and adjust your care routine to ensure they thrive in your garden. Pruning and Pinching Techniques for Fuller Mums Pruning and pinching are essential for achieving fuller, more compact mum plants with abundant blooms. Properly managing the growth and branching of your fall mums can encourage a more robust, bushy habit and prevent the plants from becoming leggy or overgrown. Pruning fallmums: Pruning should be done throughout the growing season to maintain your mum plants' desired shape and size. Begin by removing any dead, damaged, or diseased foliage as soon as you notice it. This will help prevent the spread of pests or diseases and keep your plants looking their best. As the plants grow taller, you can also prune them back by cutting the stems to 6-8 inches above the ground. This helps stimulate lateral branches' growth, resulting in a fuller, more compact plant. Make clean, angled cuts just above a set of leaves or buds to encourage new growth. Pinching fallmums: In addition to pruning, pinching is a technique for promoting bushier, more compact mum plants. Pinching involves removing the growing tips of the stems, which encourages the plant to branch out and produce more flowers. Start pinching your mums when they are about 6 inches tall, gently pinching off the top 1-2 inches of each stem. Repeat this process every 2-3 weeks throughout the growing season, ensuring you pinch just above a set of leaves or buds. This will stimulate the growth of lateral branches and result in a fuller, more uniform plant with a more significant number of blooms. Be mindful not to over-prune or over-pinch your mums, as this can stunt their growth and reduce the overall number of flowers. Follow the guidelines for your specific mum variety and adjust your techniques to achieve the desired shape and size. By incorporating pruning and pinching into your fall mum care routine, you can cultivate lush, bushy plants that will reward you with an

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abundance of vibrant, long-lasting blooms throughout the autumn season. Fall MumCare and Maintenance Tips Caring for fall mums continues after planting and initial setup. To ensure your chrysanthemums continue to thrive and produce a stunning display of flowers, it's essential to follow a regular maintenance routine throughout the growing season. From deadheading to pest management, these tips will help keep your mums healthy and vibrant. Deadheading fall mums: Deadheading, or the removal of spent flowers, is essential for maintaining the appearance and overall health of your mum plants. As the blooms fade, use sharp, clean pruners to snip off the dead flower heads, cutting just above the nearest set of leaves or buds. This encourages the plant to redirect its energy into producing new flowers, resulting in a continuous display of color throughout the fall. Remove any dead or dying foliage, as this can attract pests and diseases. Regularly inspecting your mums and removing any unsightly or damaged growth will keep your plants looking their best and promote optimal flowering. Managing pests and diseases: Mums are generally quite hardy, but they can be susceptible to various pests and diseases if not properly cared for. Look for common issues such as aphids, spider mites, powdery mildew, and botrytis blight and address them promptly to prevent the spread of infection or infestation. If you notice any signs of pests or disease, treat the affected areas quickly. Use organic or natural pest control methods, such as insecticidal soap or neem oil, and ensure proper air circulation and moisture management to discourage the growth of fungal diseases. Regular monitoring

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and proactive care will go a long way in maintaining the health and vigor of your fall mums. Overwinteringmums: Fall mums must be overwintered in many climates to ensure their survival and return in the following growing season. As the weather cools, gradually reduce watering and stop fertilizing your mums. This will help the plants prepare for dormancy and prevent excessive growth that is susceptible to frost damage. When the first frost arrives, cut the mum foliage back to just a few inches above the soil line. Mulch the plants heavily with a 4-6 inch layer of organic material, such as straw or shredded leaves, to insulate the roots and protect them from harsh winter conditions. With proper overwintering care, your fall mums will be ready to burst back to life in the spring, providing you with another season of vibrant blooms. By following these maintenance tips, you can keep your fall mums healthy, beautiful, and thriving throughout the autumn season and beyond. Extending the Blooming Season of Fall Mums One of the joys of growing fall mums is their ability to provide a long-lasting, vibrant display of color in the garden. However, with a little extra effort, you can extend the blooming season of your chrysanthemums even further, allowing you to enjoy their beauty for an even longer period. Staggered planting: One effective way to prolong the blooming season of your fall mums is to plant a variety of mum types with different bloom times. By selecting early, mid, and late-season varieties, you can create a succession of flowers that will keep your garden looking fresh and colorful from late summer through autumn. When planning your mum's garden, research the specific bloom times for the varieties you're considering and strategically space out your planting. This will ensure that as one set of mums finishes flowering, the next wave of blooms is ready to take its place, providing an extended season of color. Pinching and disbudding: Pinching and disbudding can also help extend the blooming season of your fall mums. As mentioned earlier, pinching the growing tips of the plants encourages branching and the development of more flowers. Pinching your mums at different intervals can stagger their bloom times and prolong the overall flowering period. Disbudding, on the other hand, involves removing the smaller, side buds on each stem, allowing the central, terminal bud to develop into a larger, showier bloom. This technique can result in fewer but larger flowers, which can last longer on the plant and extend the overall blooming season. Proper overwintering: Ensuring your mums are properly overwintered is another key factor in extending their blooming season. By protecting the plants from harsh winter conditions and allowing them to enter dormancy gradually, you'll set the stage for a strong, healthy return in the spring. Follow the overwintering guidelines outlined earlier, including cutting back the foliage, mulching the roots, and providing the necessary protection from freezing temperatures. With the right care, your fall mums will be well-equipped to bounce back in the following growing season, ready to provide you with another vibrant display of flowers. By incorporating these techniques into your mum care routine, you can extend the blooming season and enjoy the beauty of these autumnloving plants for as long as possible. With a little extra effort, your fall mum garden will continue to develop.

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