St. Louis Home and Happenings - SUMMER22

S A I N T

LO U I S

& HOME AND HAPPENINGS

SUMMER22

This special publication brought to you by SUSAN BREWER SERVICE FIRST REAL ESTATE

A note from the editor...

www.STLHandHMag .com

As we welcome the warm weather that visits our area this time of year,

EDITOR IN CHIEF Wade Brewer

DESIGN Brian L Spurgeon

we also welcome the fun and excitement of outdoor events, family gatherings, picnics and festivals. Our Happenings section is a great place to begin when making plans for weekend fun. Be sure to look there for local events that may have returned for this season.

If home improvements are part of your plans this year, we have some great information you can use when planning your projects. Landscaping Tips for Instant Curb Appeal offers some outstanding tips for landscape design and planning we also provide some ideas for utilizing Universal Design to make improvements to your bathrooms.

Of course, we also include some delicious recipes for dining and entertaining during the warmer months and we definitely made sure to include doem ideas for the grill master in your home.

We hope that you enjoy this issue and look forward to preparing the next edition of St. Louis Home & Happenings!

WEBSITE & FEEDBACK www.STLHandHMag.com

Editor@STLHandHMag.com

Wade Brewer Editor-in-chief

Self published by Susan Brewer Service First Real Estate. All material herein is copyrighted and all rights are reserved.

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CONTENTS 4-5

Landscaping Tips for Instant Curb Appeal

6-7

Make Family Reunions Meaningful

8-9

Tree Talk 4Tips for Planting Trees

10

Susan Brewer Listing - SOLD FAST

11

Best Real Estate Agency in St. Charles

12 - 13 14

Blooming Daisy Marketplace Outdoor Market

15

Eat Local - Plank Road Pizza

16 - 17 17

3 Spring Hacks to Prep the Inside of Your Home for Warm Weather

Teaching Children How to Protect Birds in Your Backyard

Universal Design Walk-In Showers Bring Comfort and Safety to the Entire Family How to Improve Your Financial Health

18 - 19

Extinguish Home Fire Fears

20 - 21

3 Hacks to Prep the Inside of Your Home for Warm Weather

22 - 23

5 Ways to Build Your Credit History

24 - 25

A Key Cause of Data Loss - and How to Protect Yourself

26 - 27

Home Upgrades for Greener Living in 2022 for Every Budget

28 - 29

Whip Up A Bountiful Brunch

30 - 31

A Fresh, Flavorful Brunch Bite

32 - 33

Satisfy Cake Cravings with a Brunch-Worthy Dessert

34 - 35

Quick and Easy Dishes for Dining Al Fresco

36 - 37

Get to the Grill for Fresh, Homemade Flavor

38

BEST Pizza in St. Charles

39

1798 BBQ - Eat Local

40 - 49

St. Louis Happenings - Summer

50

Susan Brewer #1 Agent in St. Charles

51

Buying or Selling a Home

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Landscaping Tips for Instant Curb Appeal

One of the best ways to achieve instant curb appeal, according to the experts, is to effectively layer shrubs, plants and flowers in your front yard. Doing so can create a cohesive visual experience that naturally guides visitors to the front door.

Landscape designer Doug Scott describes plant layering in art terms: “Just like in a painting, you need to have a background, a middle ground and a foreground. Each layer serves a purpose, and there’s no more important place for them to be on full display than your home’s entrance.”

To help homeowners understand the purpose of plant layering and identify the best types of plants for each layer, Scott has joined forces with Exmark, a leading manufacturer of

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commercial mowers and equipment for landscape professionals and serious DIY-ers. Here they break it down for you:

1. Background: The background layer should

consist of taller evergreen shrubs to ensure that no matter what’s in front of them, you and your visitors will always have something green to look at. This layer provides a cohesive backdrop and a bit of living color in every season.

2. Middle Ground:

Here’s where to step it down a notch in height and add interesting shapes, colors or stripes that provide contrast against the darker green of the background layer. Herbaceous perennials, like lavender, are a good choice for this purpose.

‘

‘‘

Just like in a painting, you need to have a background, a middle ground and a foreground.

Each layer serves a purpose, and there’s no more important place for them to be on full display than your home’s entrance.

‘‘

Scott lays out a few other important tips to keep in mind: • Choose plants consistent with your home’s style. For instance, if you have a craftsman home, you should probably skip tropical plants. Or, if your home is more minimalist, avoid an overabundance of different plants.

• Don’t obstruct views of your front door from the street with plants. Likewise, visitors shouldn’t have to maneuver around plants as they make their way down the sidewalk. Neither is convenient or welcoming, so you’ll either need to keep pruning plants to size, or choose plants that won’t overgrow their space without a ton of pruning.

• To make your entrance “the star” it should be, the plant material in the rest of your front yard shouldn’t be distracting.

Rather let it frame the intended view.

3. Foreground: Finally, the foreground layer should help transition the planting beds to your lawn space or sidewalk, and should therefore be lower than the back two layers.

It’s also where you can keep things fresh and get your hands dirty throughout the year by changing out annuals with the seasons. Or, if you want a lower-maintenance entrance, you can choose smaller perennials, evergreens or creeping ground covers. Use the foreground layer as an opportunity to add pops of color at ground level and draw attention to your home’s entrance.

Scott offers more plant layering tips in “Making an Entrance,” a recent episode of “Done-In-A-Weekend Projects,” an original series from Exmark. To watch the video, visit Backyard Life, which is part of a unique multimedia destination with a focus on helping homeowners make the most of outdoor spaces. There you can also download additional tips and view other Exmark Original Series videos, including “Dream Yards,” “Living Rural,” “Prime Cuts” and “Done In a Weekend – Extreme Projects.”

Through effective plant layering, you can boost curb appeal and give your home the grand entrance it deserves.

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Make Family Reunions Meaningful During the coming months, families are likely to spend more time together. Reunions that have been postponed during the pandemic will finally take place, and once those long-awaited hugs have been exchanged, everyone can settle in for some overdue catching up.

However, the time many families spent apart over the past couple of years means important conversations may have been put on hold. A family reunion is a perfect opportunity to share stories, reminisce and discover what matters most to the people who matter most to you.

Sitting down with loved ones to talk about their lives can be richly satisfying. Learning about memorable events, favorite activities and valuable lessons they have learned can help bring you closer to loved ones and get to know 6 H&H Magazine | www.STLHandHMag.com

them in a different way. It can also help you create a meaningful tribute to a loved one when the time comes.

Finding a way to start talking with a loved one may be the most difficult part, but once the conversation starts, it may be hard to stop. Consider these tips from RememberingALife.com, an online resource from the experts at the National Funeral Directors Association (NFDA) to get the conversation started.

START BY SHARING MUTUAL STORIES. If

you’ve taken a vacation together or shared a cherished experience, discuss that first to get the conversation going. If your family member is hesitant, share your own stories first so he or she feels more comfortable.

ASK QUESTIONS. One of the easiest ways to start and maintain a conversation is by asking questions. If you’re not sure what to ask, try inquiring about your loved one’s proudest achievement, the best advice received, a favorite memory or greatest inspiration. A visual prompt like a photo album, souvenir or memento can also be a conversation starter. If you’re comfortable with the idea, also ask how he or she would like to be remembered when gone.

‘‘

TAKE NOTES. Either during or after your conversation, make note of the important memories shared. If it won’t make your loved one uncomfortable, make an audio recording of your discussion so you can listen again later. These notes and recordings may become treasured heirlooms for future generations.

Finding a way to start talking with a loved one may be the most difficult part, but once the conversation starts, it may be hard to stop.

‘‘

TREAT YOUR TALK AS A BEGINNING. Use it as a

springboard for more conversations, during which you can openly talk about any number of things, from reflecting on the past to planning for the future. Designed to be a fun and easy way to help get the discussion started, NFDA created “Have the Talk of a Lifetime” conversation cards featuring thoughtprovoking questions. The things you discuss may be helpful when your family must make important decisions about how you wish to remember and honor your loved one after he or she dies.

WHEN THE TIME COMES, MAKE IT MEANINGFUL.

These shared conversations may help your family plan a meaningful funeral or life tribute event for your loved one that honors his or her life while giving you, your family and other friends a chance to reminisce and say goodbye. When the time comes, memorialization can be an important step in the journey toward healing.

When you’re preserving your family’s legacy, resources such as RememberingALife.com can provide helpful information about memorialization and other end-of-life matters.

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Tree Talk 4Tips for Planting Trees Trees are virtually everywhere you turn, from your own backyard to nearby parks and forests where you enjoy hiking.

They provide shade and beauty, and some even bear fruit.

Beyond all the immediate benefits, you may be surprised to discover trees are also a critical key to the future.

These facts and tips from the book “Now is the Time for Trees” offer practical insight on the importance of trees and how to nurture one from selection to planting and beyond.

A compelling and ever-growing body of evidence generated by scientists, health care professionals, conservationists, humanitarians and both public and private corporations supports the critical importance of trees and their impact on the human condition. Trees filter pollutants out of the air and water and provide protection for people and communities from dangerous heat and flooding.

They lower urban temperatures, reduce energy bills and sequester carbon to slow the rate of climate change.

When you plant a tree in your yard or neighborhood, that tree goes to work filtering out pollutants, intercepting stormwater and capturing carbon. With proper placement, that tree can also help lower household energy use by as much as 20%.

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You can engage in the tree planting movement and make a difference by planting trees around your home and surrounding community with these tips.

CONSIDER THE GROWING REGION

Choosing a tree that will flourish in your growing region is fundamental to becoming a successful tree planter. Start by getting familiar with the growing conditions of your planting site, including factors like sunlight, soil condition and room to grow.

The amount of available sunlight at your planting location will determine which tree species will be successful. Most trees require full sunlight for proper growth and flowering.

Some do well in (or even prefer) partial or light shade, but few perform well in dense shade.

Before you plant, get your soil tested by a lab to evaluate what’s happening underground. Test results, which are usually returned in a couple of weeks, provide a complete analysis of nutrients, possible contamination and pH (alkalinity or acidity), as well as directions for correcting problems.

Be conscious of overhead or underground utilities, pavement, buildings, other trees, traffic intersections and other factors that may impact your planting space.

SHOPPING FOR A TREE

Before you plant, make sure your tree is thoroughly hydrated by watering the container or root ball several hours before proceeding. When planting a tree into a lawn, remove a circle of grass at least 3 feet in diameter where the tree will go to reduce competition between turf and fine tree roots.

When choosing which kind of tree to plant, be conscious of details like size, flowering, color (including how colors may vary through the seasons) and your view from inside the house. While shopping, you can rely on plant labels to learn details about a tree’s growth pattern, sun requirements, watering needs and soil requirements.

START DIGGING

Dig a broad, shallow planting hole with gently sloping sides 3-4 times wider than the diameter of the root mass and the same depth. Mound removed soil on a tarp for easy backfilling. Loosening the soil on the sides of the hole allows roots to easily expand and establish faster, but don’t disturb soil at the bottom of the hole.

Two common styles of trees are container-grown trees, which spend their entire nursery lives growing in a container, and ball-and-burlap trees, which grow in the ground until they achieve a targeted size.

A well-tended container-grown tree has been carefully monitored and moved into larger containers as the plant grows. Be wary of a tree with roots that circle or twist within the container, which may cause roots to die. For a ball-and-burlap tree, look for a firm, securely tied root ball that is large enough to support the mature tree; it should be about 10-12 inches wide for every inch of trunk diameter.

Once the tree is positioned, replace the soil while firmly but gently tamping the original soil around the base of the root ball to stabilize it. Create a water-holding basin around the tree by building up a ring of soil and water to settle roots. Spread protective mulch 2-4 inches deep in a 3-foot diameter around the base of the tree, but not touching the trunk.

PREPARE YOUR PLANTING SITE

Find more tips to successfully plant and care for your trees at arborday.org.

Properly preparing your planting site is one of the best things you can do to get your tree off to a strong start.

The Power of Trees From backyards to tropical rain forests, trees provide the necessities of life. Trees clean air and water, provide habitats for wildlife, connect communities and support human health.

•

Trees are a proven affordable, natural way to pull carbon dioxide out of the atmosphere.

•

Trees filter water and slow storm surge and flooding in cities.

•

Trees provide shade, cooling cities by up to 10 degrees, which can help prevent heat-related deaths.

•

Neighborhood trees can reduce stress, improve overall health in children and encourage physical activity.

•

Trees support wildlife and aquatic life by providing habitats and helping keep waterways healthy, which ensures ecosystem balance and promotes biodiversity.

•

Trees and other forest life work together to ensure a clean source of drinking water, buffer against extreme weather, provide medicines, offer outdoor recreation and enrich human culture.

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Named #1 Agent in St. Charles Thirteen Years • Over $650 Million in Sales • Voted Best Realtor in St. Charles

1216 Miralago Way

5 Bedrooms | 5 Baths | 3 Car Garage

850,000

$

LIST PRICE

Exquisite details abound in this 1.5 story home located in Cottleville and situated on one of the best lots in the area that backs to woods/trees with a lake view. Your own resort style yard awaits and features a large inground heated swimming pool with a sun shelf, waterfall and spa-type jets. A relaxing patio allows you the quiet time we all desire as does the composite deck with lighted posts. Inside you will find the gourmet kitchen featuring custom dovetail cabinets, dual ovens, gorgeous granite countertops and a walk-in pantry. Gather in the two story great room featuring a cozy gas fireplace. Working from home is a pleasure in the office/den. Outstanding views welcome you to the main bedroom with an ensuite bath and walk-in closet. Upstairs you will find three additional bedrooms and a loft area. The finished lower level adds even more living and entertaining space with a family room, theater room, kitchenette and 5th bedroom or office. This wonderful community backs to 65-acre park, 25 acres of picturesque lakes and tree-lined walking trails.

SCAN THIS CODE FOR MORE INFO AND PHOTOS

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BEST REAL ESTATE AGENCY

IN ST.CHARLES

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Teaching Children How to Protect Birds in Your Backyard Part of being a good environmental steward is passing on this wisdom to the next generation. Here are three handson ways parents and grandparents can teach children to protect the birds in their very own backyard.

Build a Bird Feeder

Build bird feeders using natural or recycled materials to teach two earth-friendly lessons in one: the importance of reducing waste and the need to take care of local wildlife.

Bird feeders can be crafted from milk cartons, tin cans, mason jars or even natural materials like pinecones. As you decorate your bird feeders, talk to your kids about how birds are not just beautiful, but also a vital part of

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the ecosystem and how you are offering these creatures a chance to rest and refuel. Fill your finished products with birdseed and choose a safe spot to hang them. Experts recommend bird feeders be positioned either closer than three feet or farther than 30 feet from windows.

Protect Flight

Birds in flight are prone to strike windows. Fortunately, there’s an easy home project you and your children can complete together that will help prevent this from happening. Applying decals that reflect ultraviolet sunlight to your home’s windows, particularly windows that are highly reflective of open sky, has been proven

‘‘

Birds in flight are prone to strike windows. Fortunately, there’s an easy home project you and your children can complete together that will help prevent this from happening.

‘‘

to substantially reduce the likelihood of bird strikes.

Those from WindowAlert feature patterns that give the appearance of slightly frosted translucent glass, but glow like a stoplight for birds. Kids can help select from fun decal designs like snowflakes, butterflies and maple leaves. The brand also makes a high-tech UV liquid that offers even greater protection when applied between decals. To learn more, visit WindowAlert.com.

Keep a Log

they see and note their observations. Visit Audubon for Kids at audubon.org for a birding guide, activities, games and additional projects that can help kids learn to identify various bird species by sight and sound.

“Environmental stewardship starts in your own backyard and people of all ages can get involved, including kids,” says Spencer Schock, founder of WindowAlert. “The good news is that turning your home into a refuge for birds is fun, easy, and something parents, grandparents and kids can work on together.”

Now that you’ve invited birds to your yard and have taken steps to protect them, inspire young naturalists to keep a log of flying visitors. Kids can draw pictures of the birds

H&H Magazine | www.STLHandHMag.com 13

Blooming Daisy Marketplace Outdoor Market SATURDAY

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Historic Cottleville

5541 Chestnut Street

BLOOMING 14 H&H Magazine | www.STLHandHMag.com

EAT LOCAL

in historic

cottleville

Artisan pizza in Historic Cottleville Voted Best Pizza and Patio in St. Charles

5212 HIGHWAY N | COTTLEVILLE, MISSOURI 63304 | PlankRoadPizza.com H&H Magazine | www.STLHandHMag.com 15

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rs e w o h S -In lk a W n g si e D l a Univers Bring Comfort and Safety to the Entire Family Do you want a bathroom update that will be stylish and functional for many years to come? More homeowners than ever are renovating using universal design principles that allow these spaces to serve people of varying ages and abilities. This provides numerous important benefits, including higher levels of safety and increased property value.

Curbless showers are enhanced by linear drains that are installed flush to the flooring, further reducing trip hazards while adding a sleek appearance to the space. With no barrier to cross, the floor more easily accommodates a freestanding bench, a walker or other mobility aids.

Universal Design Basics

An added benefit is that linear drains generally avoid looking institutional, like some wheelchair-friendly bathrooms can. An excellent example of this counterinstitutional trend is QuickDrain's WallDrain, which practically disappears into the wall, offering an ultra-clean and contemporary look.

Universal design creates an environment that is accessible to all people to the greatest extent possible. That means a bathroom will function as well for a child as it does for a senior. Basic principles of universal design focus on functionality, and in the bathroom that might mean adding strategic lighting, slip-resistant flooring and features like grab bars.

Keep in mind, you don't have to sacrifice aesthetics to achieve the functional goals of universal design.

More options than ever are available for enhancing the bathroom's safety and functionality while adding luxurious upgrades that are as useful as they are eye-catching.

When function and fashion blend like this in home improvements, it can add significant value to your property. Consider one of the year's top bathroom design trends: curbless showers with linear drains. This creates a barrier-free experience that is visually appealing, making it ideal for the universal design home.

Curbless Shower Features

A curbless walk-in shower eliminates hazards like curbs or thresholds that can cause people to slip or trip. It's easier to use whether you walk or utilize a device for assistance, such as a shower wheelchair. Curbless showers also provide an open feel, which makes the space feel larger because visual lines are not disrupted.

A curbless shower is achievable with various drainage points, therefore offering versatility in terms of design.

A curbless shower also provides flexibility regarding its location in the room, since the designer and contractor are not tied to placing the drain in a specific spot. Learn more at LRBrands.com/QuickDrain.

Deciding on shower doors is another important aspect of universal design. Glass doors work well for curbless walkin showers because they open the space and let in light.

Another option is to design the space to be completely open as a wet room. Glass dividers are a hybrid option that provide a partition without a door, but can be easily removed if you want to potentially open the space in the future.

Universal design is important in bathrooms because these spaces are used every day. Whether your goal is to age in place or you want to make home improvements to improve your property value for a future home, bathrooms with stylish universal design will help you meet your goals.

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Extinguish Home Fire Fears

Did you know there is one tool that you can keep on hand to make sure your home is ready for a fire emergency?

Having fire extinguishers - and knowing how to use them will allow you to act quickly should a fire start.

"Many people may not know just how quickly a fire can start and spread in a residential home," said Ashley Gocken, senior manager of brand marketing for First Alert, the most trusted brand in home safety. "Having the proper fire extinguishers can make the difference between a small fire and one that causes serious damage or injury, so it is important to have fire extinguishers and know how to use them."

Follow these fire extinguisher tips in the home to ensure your family is prepared:

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Learn Your ABCs

All fire extinguishers should have a letter rating of A, B or C that indicates the type of fire they are designed to combat. Class A rated extinguishers can put out fires caused by wood, paper, trash and other common materials. Class B extinguishers are intended for use on fires caused by grease, gasoline and other flammable liquids, while Class C extinguishers are designated for electrical fires caused by appliances, equipment and cords.

Placement is Key

According to the National Fire Protection Association (NFPA), unattended cooking is the leading cause of home fires in the U.S. A fire extinguisher should be accessible

on each level of your home, especially in high-risk places like the kitchen and garage. Place extinguishers where each adult member of the household can easily reach them and discuss these locations throughout the house with all family members.

For added ease of use, First Alert's multi-rated Rechargeable Home Fire Extinguisher is lightweight and ideal for most common household fires.

Know What to do...

‘‘ ‘‘

Every First Alert fire extinguisher includes labeling instructions on proper usage, but a simple way to remember how to use your fire extinguisher is with the acronym PASS:

Many people may not know just how quickly a fire can start and spread in a residential home.

• • • •

Pull the pin on the extinguisher Aim the nozzle low toward the base of the fire Squeeze the trigger Sweep the nozzle from side-to-side

...And know when to exit

Your fire extinguisher is a great first step in your fire safety plan and should be used when the fire is contained. When using an extinguisher, keep yourself close to a clear exit so that you can safely leave should a fire spread. If smoke begins to fill the room and the fire does not appear to be extinguishing, exit your home immediately and call 911.

Maintain Your Extinguishers

When practicing your family escape plan, make a point to also check that your fire extinguishers are not blocked by anything that could impact your access to them should a fire emergency occur. You should also check the gauge, make sure all parts of the extinguisher are operable, and ensure that no damage, such as dents or rust, has appeared on the device. A fire extinguisher that has been discharged is no longer effective, so replace or have a certified professional refill any that have been used.

To learn more about fire safety, visit FirstAlert.com.

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3 Hacks to Prep the I nside of Your Home for Warm Weather

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With warmer weather on the way, it’s time to deal with the associated household hassles of the season. Here are three hacks that will help you create a healthy, comfortable home during the months ahead:

Beat the Heat

Beyond having your HVAC unit serviced and changing your air filter regularly, you can beat the heat at home with a few smart strategies.

One change you can make today that will also reduce your carbon footprint is to swap out your heat-emitting incandescent light bulbs for cool LEDs. Likewise, appliances that are not in use but plugged in could be generating unnecessary warmth, so unplug when you can. Finally, use shades and blinds strategically to block out the sun and prevent a greenhouse effect indoors.

Banish Flying Bugs

Fruit flies, gnats and flies tend to proliferate indoors in the warmer months. Not only do these creatures come with a serious ick factor, they can harm your houseplants and even put your family’s health at risk by carrying germs from dirty surfaces to clean ones.

A safe and easy way to defend against buzzing invaders is to plug Zevo Bug Traps into outlets around your home, especially in areas where these bugs enter your home and gather, like garages, entryways, covered porches, trash cans, drain pipes and kitchens.

Rather than relying on chemical insecticides, they use multi-spectrum light technology that bugs find irresistible. Once attracted, flying insects are trapped in a super-sticky adhesive backing. Each trap cartridge offers continuous defense for up to 45 days or until it’s full.

When you’re done with a cartridge, simply throw it in the trash and slide a new one in, without ever having to touch the dead bugs.

Pair these traps with Zevo home bug sprays, which are powered by essential oils, for whole home protection. To learn more about defending your home against insects, and for trapping tips, visit zevoinsect.com.

Master Mold

Thriving in warm wet environments, mold is something to watch out for at home, especially during spring and summer. Much more than an eyesore, mold is bad for your home’s infrastructure and bad for you. Mold can cause a number of allergic reactions and can sometimes even be toxic. However, you can reduce the risk of mold forming by managing your home’s humidity. Use fans and other ventilation in bathrooms and the kitchen when showering, running the dishwasher and doing other tasks that invite humidity. Test the humidity of various rooms in your home with a hygrometer and use a dehumidifier where needed. According to the EPA, the ideal indoor humidity is between 30 and 50%.

Employing warm weather hacks at home can help you maintain clean, comfortable spaces, all season long.

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5 Ways to Build Your Credit History

Whether you just graduated or haven't been able to start building credit, you should know a lack of credit history can create difficulties down the road. Without a credit score or solid credit history, you may be unable to borrow money to buy a car, or could have trouble getting an apartment or job. Your credit history is viewed by many as not just a summary of your creditworthiness, but also trustworthiness, which is why some employers and landlords check your credit history. Credit histories take time to build, and to some degree may indicate to others how good you are at managing your money.

To build and improve your credit history, here are important tips to follow.

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1. Use Credit - Carefully

Some may think using no credit is the way to a better credit score, but the opposite is true. Using a credit card to make small purchases, then paying them off on time is the best way to build your credit score.

Your score will improve due to how long you hold credit accounts, and also by: • Making on-time payments every month • Using no more than 30% of your available credit • Not having too many lenders checking your credit at the same time • Not applying for multiple loans or credit cards at one time

of credit card companies at once, which can hurt your credit score, seek lenders like Oportun who specialize in making loans to people with limited or no credit history. For example, the Oportun® Visa® Credit Card relies on A.I. and alternative data to underwrite hardworking people, many of whom are outside the mainstream. Unlike other card products available to financially responsible people with limited or no traditional credit history, the Oportun card is unsecured and offers credit lines starting up to $1,000.

"Our card provides individuals with a limited credit score the opportunity to start building a positive credit history and start them on their journey to financial success," said Gonzalo Palacios, Senior Vice President of Credit Cards, Oportun. "We are proud to say that our use of technology and A.I. is helping bridge the financial inclusion gap left by more traditional financial institutions."

The Oportun Visa Credit Card:

• Requires no credit history or security deposit • Is available to financially responsible, hardworking people typically denied the opportunity, including those without a credit score, Social Security number or U.S. I.D. • Is accepted worldwide, with no foreign transaction fees • Includes 24/7 online account management, with support in English and Spanish • Offers easy payment options: online, mail, phone or cash • Includes zero fraud liability for unauthorized purchases By reporting repayment performance on its personal loans and credit card products to the major credit bureaus, the company has helped over 945,000 people begin establishing a credit history.

For more information and to apply, visit Oportun.com/credit-cards.

4. Become an Authorized User 2. Plan Ahead to Pay Bills on Time Use calendar reminders to keep track of payment due dates each month. If money is tight, contact creditors ahead of the due date to let them know you're having difficulties, and to ask about options like making a partial payment or changing the due date.

3. Apply for a Standard Personal Loan or Credit Card Begin building your credit history by applying for a personal loan or a credit card. Keep in mind: Not all lenders will approve you without a credit history. Instead of applying to a bunch

Another way to start establishing credit is to become an authorized user on someone else's credit card account. You can do this by asking a friend or family member who has a good credit history to add your name to their account. This gives you the benefit of having that person's credit payments included on your credit report. Being an authorized user is a great way to help build a positive credit history.

5. Check Your Credit Score

By law, consumers are entitled to request a copy of their credit report by contacting any of the three major bureaus - Equifax, Experian and TransUnion. Checking your reports helps ensure that all the information is accurate, as well as showing you what factors may be impacting your score so you can make improvements.

Follow these tips consistently over time, and you'll be able to build a solid credit history - and a better future.

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A Key Cause of Data Loss - and How to Protect Yourself

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Computer crashes. Cyber attacks. Viruses.

Theft. Power outages. There are so many ways you can lose the precious data stored on your computer. But the greatest threat of all? You.

also features built-in hardware encryption with password protection to help keep your files private and safe.

"Human error is one of the main causes of data loss," says Brian Pridgeon, Director of Product Marketing, Western Digital. "It could be as simple as spilling coffee on your laptop or accidentally deleting a critical file. Seemingly small incidents can lead to a massive loss of important files, for businesses, content creators and general consumers alike."

It's all too easy to ignore those pesky pop-ups telling you it's time for an update, but failing to do so can be another human error that causes data loss. Regular software updates allow your system to access the latest security features - so you're protected from viruses and malware.

It's natural to make mistakes. But when it comes to human error, there are a few ways to protect yourself against the loss of important data.

1. Make Data Backup a Habit

Backing up your precious and vital files is crucial. As a rule of thumb, put protections in place for anything that would be difficult or impossible to reproduce or replace, or anything where a loss would evoke negative, frustrating or stressful emotions. For individuals, this might include address books, pictures, videos, music files, emails, documents and financial records. For businesses, data backups become a bit more technical, and include backing up customer databases, configuration files, operating systems, accounting records, operational details and inventory supply levels. Keeping your files backed up and safe offers peace of mind in the event of a system breakdown.

One way to help ensure the protection of your files is a storage drive or device, such as the My PassportTM drive or My BookTM desktop storage from Western Digital's WD® brand.

The My Passport HDD from WD is a trusted drive that provides portable storage that fits in the palm of your hand. It can help you store photos, videos, music as well as documents.

The My Book device from WD allows you to store even more data and is equipped with backup software for Windows® and is compatible with Time Machine on macOS. It

2. Practice Good Cyber Hygiene

Another good cyber hygiene habit is regularly changing your passwords. This can help you stay safe online as well as protect the private or important information stored in your various accounts. If needed, mark your calendar or set a reminder on your phone to make sure you remember to practice these safety habits.

3. Careful Data Organization

How you handle your files can help avoid simple errors such as accidental deletion. For example, if your desktop is a mess of files and you're trying to clear space, you have a greater chance of deleting something without realizing its importance. Take some time to set up an organization system for your files, photos and videos - and stick to it.

Some Quick Tips for File Organization Include: • Follow a naming convention • Always use dates when naming files • Be as specific as possible when labeling files and folders • Regularly clean up folders that become cluttered • Back up your important files regularly Mistakes are bound to happen, but many of the headaches and devastation that stem from data loss due to human error are preventable.

By following these tips, you can take steps to protect your data from one of the main causes of issues.

H&H Magazine | www.STLHandHMag.com 25

Home Upgrades for Greener Living in 2022 for Every Budget Interest in eco-friendly home improvements is skyrocketing because it allows homeowners to improve their spaces while making a positive impact on the environment. The challenge is it can be difficult for homeowners to know which are the best upgrades for their budget.

Fortunately, there are improvements for every budget that can make a big impact in living a greener lifestyle. Consider these smart green home upgrades for small, medium and larger budgets:

Small Investment: Green Showerheads Every time you step into the shower you want to enjoy warm water and a satisfying spray. You may have considered an eco-friendly showerhead before, but paused because you heard it would sacrifice this experience.

Fortunately, new options make it possible to save water and enjoy every shower. For example, the KOHLER Statement VES showering collection is engineered to deliver a luxurious showering experience with eco-friendly features that earn the EPA WaterSense certification.

How is this possible? This showerhead has a precise balance of size, number and distribution of nozzles to provide a superior spray, while its low-flow spray is optimized for strong rinsing coverage while maintaining warmth. The Katalyst Air-Induction Technology delivers larger drops that retain heat longer (up to 0.5 degrees warmer) while cloaking the body in water for a satisfying soak.

In addition, the collection has a showerhead and hand shower that features a 0.5 gpm pause. This might be ideal when shampooing or shaving. The pause option can conserve at least 40% of water compared to a typical 2.5 gpm showerhead without compromising the shower experience people desire.

Medium Investment: Water-Consumption Technologies Fixing leaks is essential to a functional home that limits water waste.

However, many leaks are hidden, and those unknown leaks can be the most destructive. Household leaks account for nearly 10,000 gallons of water wasted and millions of dollars in property damage every year for U.S. homeowners.

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Smart technology is helping homeowners detect leaks and be more mindful about water consumption. Just imagine being alerted by your phone about a leak in the basement so you can immediately take action.

This is possible with the KOHLER H2Wise systems powered by Phyn that provide immediate alerts for minor or major leaks, including pre-freeze warnings to help prevent frozen pipe bursts. The system runs a diagnosis of the entire home's plumbing to detect hidden issues and track daily water usage by each fixture.

There are two systems to choose from: H2Wise can be installed by the homeowner. H2Wise+ needs to be installed by a professional onto the main water line, therefore providing the ability to shut off the main water supply automatically and remotely when a leak is detected.

That means being able to turn it off while away from home, such as when on vacation.

Larger Investment: Alternative Energy If you're really dedicated to going green and living an eco-friendly lifestyle, consider solar power systems for your home. These systems collected energy through solar panels and then store that energy for your use.

Solar panel technology has advanced tremendously and you can now find low-profile panels that blend with your home's exterior. In addition to panels, you'll want an energy storage system so you can store and access the power you've collected regardless of the weather or time of day.

The KOHLER Power Reserve is a fully integrated system that allows you to use the solar energy gathered throughout the day and reserves that energy for use whenever you want it.

KOHLER Power Reserve gives you full control of your storage system through a mobile app that helps you monitor and adjust the system including a variety of modes: •

Backup: Battery is charged and ready to power your home during an outage

•

Self-Supply: Battery uses your stored energy to power the home, limits the usage on utility power

•

Time-of-Use: Battery prioritizes the use of your

stored energy during peak utility periods, which means increased savings

You can also access timelines of power information for the day as well as historical statistics for the system. It's compatible with any home solar panel system and can be installed indoors or outdoors on both new and existing solar panel setups.

Making green home improvements is a smart choice no matter your budget. You can feel good about helping the environment and adding value to your home.

H&H Magazine | www.STLHandHMag.com 27

Whip up a bountiful brunch

Fresh air, warm sun and delicious foods make brunch a favorite weekend event. Set the stage (and the table) for an inviting experience with recipes that cover all the bases from snacks and desserts to a mouthwatering main course.

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Tide the appetite of your guests with Spiced GrassFed Lamb Over Hummus served with toasted flatbread or tortilla chips before dishing out Overnight Apple Cinnamon French Toast Casserole for a simple centerpiece. Just as those delectable dishes are vanishing,

WAKE UP TO A WONDERFUL BRUNCH Perfect for any brunch occasion is a delicious dish that can be made a day in advance, simplifying your morning prep before guests arrive with growling stomachs.

Prepared the day before and chilled overnight, this Overnight Apple Cinna­mon French Toast Casserole is ready to bake to perfection in the morning with a gooey interior and crisp exterior filled with mouthwatering flavor. Drizzle with glaze then dish out to loved ones for a delicious way to make brunch easy.

Find more breakfast and brunch recipes at Culinary.net.

Overnight Apple Cinnamon French Toast Casserole

SERVINGS: 12

Nonstick cooking spray 1 package (20 ounces) French bread, cubed, divided 1 can (20 ounces) apple pie filling 9 eggs 1 cup half-and-half 2 teaspoons ground cinnamon 1 cup powdered sugar, plus additional (optional) 2 tablespoons milk, plus additional (optional) Spray 8-by-8-inch glass baking dish with nonstick cooking spray.

In baking dish, add 10 ounces cubed French bread in bottom of dish. Pour apple filling over bread. Top with remaining cubed French bread. Set aside.

In medium bowl, whisk eggs, half-and-half and cinnamon.

Pour evenly over bread.

Cover with aluminum foil and chill overnight.

Heat oven to 325 F. Remove foil and bake 50-60 minutes. pull Brown Sugar Pound Cake out of the oven and pair with sweetened whipped cream and fresh fruit for a sweet finishing touch.

Visit Culinary.net to find more ways to broaden your brunch menu.

Let cool 10-15 minutes.

In small bowl, whisk powdered sugar and milk. Add additional, if needed, until pourable glaze is reached. Drizzle over casserole before serving.

H&H Magazine | www.STLHandHMag.com 29

a fresh, flavorful brunch bite

Brunch is a perfect opportunity to entertain friends and family with delicious recipes that will delight their taste buds. For example, this smooth hummus is paired with tender New Zealand grass-fed lamb loin chops and fresh toppings for flavor in every bite.

Ready in less than 30 minutes, this Spiced Grass-Fed Lamb Over Hummus recipe is made using Atkins Ranch lamb, which is available at your local Whole Foods Market and hails from New Zealand where the animals are grass-

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fed 365 days a year and allowed to roam and graze freely over lush green hills and pastures. The result is a lean, finely textured, flavorful meat that tastes just as nature intended.

Visit beefandlambnz.com for more recipes, cooking tips and information.

SPICED GRASS-FED LAMB OVER HUMMUS prep time: 15 minutes Cook time: 5 minutes servings: 4-6 LAMB: 4 Atkins Ranch grass-fed lamb loin chops 1 teaspoon cumin powder 1/4 teaspoon salt 1 tablespoon extra-virgin olive oil HUMMUS: 1 can (15 ounces) chickpeas 3 cloves garlic, chopped 3 tablespoons fresh lemon juice 1/2 teaspoon cumin 3 tablespoons olive oil

1/4 cup tahini 1/2 teaspoon salt 1/2 teaspoon paprika

FOR SERVING: 1 Persian cucumber, small diced 1 small tomato, diced 2 tablespoons roasted pine nuts (or 2 tablespoons pomegranate seeds) parsley, chopped lemon wedges, toasted flatbread or tortilla chips to make lamb: Remove lamb from bone, dice meat into small cubes and transfer to medium bowl.

Add cumin powder and salt. Toss to coat. Mari­nate while preparing hummus. to make hummus: Drain chickpeas, reserving 1 tablespoon liquid. Rinse chickpeas under running water then drain.

In bowl of food processor, pulse chickpeas, chickpea liquid and garlic until chickpeas and garlic are chopped.

Add tahini, lemon juice, salt, cumin, paprika and olive oil. Mix until smooth paste forms. Taste and adjust by adding more salt, lemon juice or olive oil, as desired.

Transfer hummus to large platter and spread it out.

In large skillet, heat extra-virgin olive oil over high heat until hot. Add lamb and cook 30 seconds without moving.

Turn lamb over and cook 30-60 seconds, repeating until all sides are browned. Remove from pan and let rest 5 minutes.

To serve, place cucumbers and tomatoes in well of hummus then top with lamb, pine nuts and parsley.

Top with squeeze of lemon juice and serve with flatbread or tortilla chips.

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Satisfy Cake Cravings with a Brunch-Worthy Dessert Whether your brunch feast consists of bacon and eggs, pancakes and waffles or a combination of favorites, you can cap it off with a sweet treat for the perfect ending. After all, no celebration is complete without dessert.

Once the table is cleared of the main courses, dish out decadent bites of this Brown Sugar Pound Cake baked with high-quality ingredients like C&H Sugars to end the meal on a sweet note. Top with whipped cream and your crowd’s favorite fruits like strawberries and blueberries or serve the toppings separately for a customizable treat.

Visit chsugar.com for more brunch recipe ideas.

BROWN SUGAR POUND CAKE prep time: 20 minutes cook time: 1 hour servings: 8 1 3/4 cups all-purpose flour, plus additional for coating pan, divided 1 cup packed C&H Light Brown Sugar cup (2 sticks) butter, softened 1 4 eggs 1 teaspoon vanilla extract 1/2 teaspoon baking powder 1/4 teaspoon salt sweetened whipped cream, for topping (optional) fresh fruit, such as strawberries and blueberries, for topping (optional) Preheat oven to 350 F. Grease and flour 9-by-5-by-3inch loaf pan. In large bowl, beat sugar and butter until fluffy. Beat in eggs one at a time. Add vanilla.

In separate bowl, combine 1 3/4 cups flour, baking powder and salt.

Gradually add to sugar mixture.

Pour batter into pan.

Bake 1 hour, or until toothpick inserted in center comes out clean.

Remove from pan and turn out on rack to cool completely.

Top with sweetened whipped cream and fresh fruit, if desired.

H&H Magazine | www.STLHandHMag.com 33

Quick and Easy Dishes for Dining Al Fresco Warmer weather is often welcome for a variety of reasons and dining outdoors can help take that appreciation to the next level.

Keeping ingredients lists short and prep time minimal also allows you to spend more time enjoying the sunshine and blue skies al fresco with the ones you love.

Even when you’re short on time, you can take mealtime from the dining room to the deck with an ingredient like Minute Rice Cups. Available in 13 varieties, including White and Brown rice, the convenient, single-serving, BPA-free cups are ready in just 90 seconds or less. Perfect for taking to the office for lunch or as an on-the-go snack, the cups can also be used as a quick and easy base for nearly any meal occasion.

For example, this simple Fish with Bok Choy features plenty of complex flavors with flaky white fish, crisp bok choy and 100% whole-grain brown rice. The brown rice provides the ideal texture for the ginger, sesame and nutty notes in this dish, and the whole recipe can be on the table in 10 minutes. Because white fish fillets are neutral and mild, they absorb all the flavors from the dish, and are an ideal protein for those with busy schedules due to their short cooking time.

Or, bursting with colors and flavors, this Fiesta Rice satisfies fresh cravings with an irresistible combo of white rice, tomatoes, green onions and creamy avocado. Ready in less than 5 minutes, this dish can also be customized with a different grain variety or extra juicy, sweet cherry tomatoes in place of diced tomatoes. To make this satisfying side a complete meal, simply add grilled chicken or your favorite protein.

FISH WITH BOK CHOY prep time: 3 minutes

cook time: 7 minutes servings: 1

1 Minute Brown Rice Cup salt, to taste pepper, to taste 1 white fish fillet 1 tablespoon butter 1 teaspoon sesame oil 1 teaspoon grated ginger 2 baby bok choy, quartered 1 teaspoon soy sauce 34 H&H Magazine | www.STLHandHMag.com

Heat rice according to package directions. Set aside.

Add salt and pepper to both sides of fish, to taste.

In medium skillet over medium-high heat, melt butter.

Cook fish 2 minutes on each side. Remove fish from pan and keep warm.

In same pan, add sesame oil and ginger. Cook 1 minute.

Add bok choy to pan and stir-fry 2 minutes. Add soy sauce; stir to incorporate. Top rice with fish and serve with bok choy.

FIESTA RICE prep time: 3 minutes cook time: 1 minute servings: 1 1 Minute White Rice Cup 1 diced tomato 1/2 diced avocado 1 sliced green onion 1 tablespoon chopped cilantro 1 teaspoon lime juice salt, to taste black pepper, to taste Heat rice according to package directions.

Set aside.

In bowl, combine tomato, avocado, onion and cilantro.

Add lime juice and salt and pepper, to taste. Mix thoroughly and serve.

H&H Magazine | www.STLHandHMag.com 35

Get to the Grill for Fresh, Homemade Flavor

GRILLED QUINOA PAELLA prep time: 20 minutes cook time: 30 minutes servings: 6

2 bags Success Tri-Color Quinoa 4 cups chicken broth 1 cup canned diced tomatoes 1 cup frozen peas 3/4 teaspoon smoked paprika 3 tablespoons olive oil 3 cloves garlic, minced 1 teaspoon paprika 3/4 teaspoon salt

Preheat grill to medium-high heat; grease grates well.

Prepare quinoa according to package directions, substituting chicken broth for water. Drain, reserving 1 cup chicken broth.

In large saucepan, stir diced tomatoes with reserved chicken broth; bring to boil. Cook 3-5 minutes, or until thickened slightly. Stir in quinoa, peas and smoked paprika. Cook 1 minute. Cover and let stand 10 minutes.

In small bowl, stir olive oil, garlic, paprika, salt and pepper.

Brush marinade over onion and red pepper. Toss half of

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1/2 teaspoon black pepper 1 onion, sliced into 1/4-inch rounds 1 red bell pepper, halved 4 boneless, skinless chicken thighs 12 ounces medium shrimp, peeled and deveined 2 cured chorizo sausages 1/4 cup finely chopped fresh parsley 3 tablespoons lemon juice

remaining marinade with chicken and remaining marinade with shrimp.

Grill chicken 6-8 minutes per side, or until well-marked and internal temperature reaches 165 F. Grill sausages, turning occasionally, 6-8 minutes, or until well-marked and heated through. Grill shrimp 2-3 minutes per side, or until wellmarked and cooked through. Grill red pepper and onion Chop chicken, sausage, red pepper and onion into bitesize pieces. Stir into quinoa mixture. Stir in shrimp, parsley and lemon juice. Serve warm or at room temperature.

MEXICAN GRILLED CORN SALAD prep time: 15 minutes cook time: 10 minutes servings: 4 1 3 1/4 3 2

bag Success Jasmine Rice ears corn cup lime juice tablespoons mayonnaise tablespoons sour cream

1 1 1 1/2 1/2 1/4 1/3 2

clove garlic, minced teaspoon chili powder teaspoon lime zest teaspoon salt teaspoon black pepper teaspoon ground cumin cup finely crumbled feta cheese green onions, thinly sliced

Prepare rice according to package directions. Set aside and allow to cool completely.

Preheat grill to medium-high; grease grates well. Grill corn 10-12 minutes, or until well-marked and tender. Allow to cool slightly. Slice corn kernels from cobs and reserve.

In medium bowl, stir lime juice, mayonnaise, sour cream, garlic, chili powder, lime zest, salt, pepper and cumin. Add rice, corn, feta and green onions. Toss well.

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EAT LOCAL

Slow smoked BBQ in the heart of Historic Cottleville 5210 HIGHWAY N | COTTLEVILLE, MISSOURI 63304 | 1798bbq.com H&H Magazine | www.STLHandHMag.com 39

SAINT LOUIS

HAPPENINGS

SUMMER 2022

- 27

The Music of Anita Baker | Thursday, May 12 The Aretha Franklin Catalog | Thursday, May 19 Diana Ross the Boss | Thursday, May 26

THURSDAY at 6pm - 8pm | MISSOURI HISTORY MUSEUM 5700 LINDELL BOULEVARD | ST. LOUIS 63112

- 27

Wentzville Days Fair & Music Festival may 20 - 22 HISTORIC DOWNTOWN WENTZVILLE ALLEN & MAIN STREET | WENTZVILLE 63385 40 H&H Magazine | www.STLHandHMag.com

DOWNTOWN MAPLEWOOD SUTTON BLVD. | MAPLEWOOD 63143

Carmen Opening Night Opera Theatre of Saint Louis presents the opera Carmen by Georges Bizet, accompanied by members of the St. Louis Symphony Orchestra.

SATURDAY

MAY 21, 7:30pm MAY 27, 7:30pm JUNE 4, 12:30pm JUNE 8, 7:30pm JUNE 12, 7:30pm JUNE 16, 7:30pm JUNE 22, 12:30pm JUNE 25, 7:30pm

LORETTO-HILTON CENTER FOR THE PERFORMING ARTS 130 EDGAR ROAD | WEBSTER GROVES 63119 H&H Magazine | www.STLHandHMag.com 41

Pig out on Missouri’s best ‘que at the

feast face-off! may 22, 2022

Join Feast Magazine and the Missouri Pork Association for an epic face-off featuring restaurants from across the state. Champions will be crowned, BBQ samples will be eaten and we'll toast to the winners of our BBQ bracket with cocktails and live music!

FEAST FACE-OFF SUNDAY AT 1pm - 4pm | 9 MILE GARDEN | $12.00

SATURDAY, JUNE 11 at 9am - SUNDAY, JUNE 12 at 5pm SPIRIT OF ST LOUIS AIRPORT 18270 EDISON AVENUE | CHESTERFIELD 63005 42 H&H Magazine | www.STLHandHMag.com

SATURDAY, JUNE 25 at 11am - 3pm Enjoy a selection of over 100 craft beers, bourbons and whiskeys, take in the live music, and devour some fantastic food from the on-site food trucks all while soaking in the summer sun. Want to upgrade your experience?

Purchase a VIP ticket to enjoy access to exclusive allocated bottles at our VIP tent's.

FRANKIE MARTIN'S GARDEN | 5372 ST. CHARLES STREET COTTLEVILLE 63304

Missouri River Irish Fest may 27 - 29

FRONTIER PARK 500 S. RIVERSIDE DRIVE | SAINT CHARLES 63301 H&H Magazine | www.STLHandHMag.com 43

Streets of St. Charles Beale Street 636.757.1150

BEALE STREET MARKET JUNE 1, 2022 5pm - 8pm | SAINT CHARLES 63303 | FREE

MUSICONMAIN 2ND WEDNESDAY OF THE MONTH | 6pm - 8pm | N. MAIN STREET ST. CHARLES | FREE 44 H&H Magazine | www.STLHandHMag.com

St. Charles FARMERS MARKET 636.928.1441

MAY 21 - OCT 15 | RECURRING EVENT ON SATURDAY | 7 AM - 12 PM FOUNDRY ART CENTRE | 500 N. RIVERSIDE DR. | ST. CHARLES, MO 63301

New Town Concert Series 636.552.9212 june 11, 2022

NEW TOWN AMPHITHEATER | RECURRING EVENT ON SATURDAYS | 7pm - 10pm 3312 RUE ROYALE | ST. CHARLES 63301 | FREE H&H Magazine | www.STLHandHMag.com 45

St. Charles COUNTY FAIR 636.639.8926

ROTARY PARK | 2577 WEST MEYER RD | FORISTELL, MO 63348 | STCHARLESCOFAIR.org

JUNE 11, 2022 - DECEMBER 10, 2022 | 8am - 2pm ST. CHARLES CITY HALL PARKING GARAGE | 636.622.3002 46 H&H Magazine | www.STLHandHMag.com

Wentzville's Fourth of July Parade july 4 636.639.2085

LUETKENHAUS BLVD. TO PEARCE BLVD. AND ALLEN ST. WENTZVILLE 63385 | 10am | FREE

JULY 2 - 4, 2022 | 7pm - 10pm | FREE 222 S. RIVERSIDE DRIVE | 636.946.7776 | DISCOVERSTCHARLES.com H&H Magazine | www.STLHandHMag.com 47

Missouri History Museum 314.746.4599

HOURS 11, 10am - 5pm | RECURRING FREE EVENT 5700 LINDELL BLVD | ST. LOUIS, MISSOURI 63112 | FREE

CARDINALS NATION RESTAURANT & BAR HOURS 5pm - 9pm | RECURRING EVENT 48 H&H Magazine | www.STLHandHMag.com

SEPTEMBER 24TH - 26TH

St. Louis

Riverfront Cruise

877.982.1410

ALL MONTH LONG | RECURRING EVENT | GATEWAY ARCH RIVERBOATS | $11 – $21

mohistory.org ALL MONTH LONG | RECURRING EVENT | DOWNTOWN ST. LOUIS | $10 – $15 H&H Magazine | www.STLHandHMag.com 49

Susan Brewer #1

AGENT IN ST. CHARLES

Visit www.SusanBrewer.Tv for weekly episodes that give advice on all things real estate. Everything from “How to get your house ready to sell” to a visit with the Mayor of St. Peters to discuss all of the things the city has to offer. Subscribe to be notified when a new episode is available.

SusanBrewer.tv where binge watching is allowed and be careful - you just might learn something.

Susan Brewer Service First Real Estate

50 H&H Magazine | www.STLHandHMag.com

PHOTOGRAPHING YOUR HOME

BUYING OR SELLING A HOME? VIDEO HOME OF YOUR

SUSAN BREWER SERVICE FIRST REAL ESTATE UTILIZES THE LATEST TECHNOLOGY TO HELP YOU ACHIEVE YOUR REAL ESTATE DREAMS We have a team of dedicated agents ready to work with you to find your new home. You will experience a personal level of service that you won’t find anywhere else.

ONLINE MARKETING PRINT MARKETING

YOUR HOUSE MISSION

Cl

TOP AGENT IN ST. CHARLES 13 YEARS OVER $500 MILLION IN SALES

FEATURED IN ENTREPRENEUR AND OPRAH MAGAZINE VOTED BEST REALTOR IN ST. CHARLES

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SusanBrewer.com 314.540.0734

Contact us today and Let us show you the Service First Difference!

MEET OUR TEAM OF DEDICATED AGENTS Susan Brewer 314.540.0734

Susan@SusanBrewer.com

Wade Brewer 314.605.5205

Wade@Service1stHomes.com

Andrew Brewer 636.936.8600

Andrew@Service1stHomes.com

Mike Lampe 636.751.4442

Mike@Service1stHomes.com

Lori Pisani 636.578.7781

Lori@Service1stHomes.com

Our team of Independent Realtors is ready to help you achieve your Real Estate dreams!

At Susan Brewer Service First Real Estate, our goal is to help you realize your real estate goals while giving you the highest level of service possible. Our office utilizes the very latest in technology and by using our proven marketing strategies and unique concepts, we can sell our listings for higher dollar and in a shorter amount of time than our competitors - no matter what their size. Give us a call today and let us show you the

Service First Difference!

Brittany Hale 636.399.6419

Brittany@Service1stHomes.com

Erica Dudenhoeffer 636.357.7197

Erica@Service1stHomes.com

Max Giesmann 636.856.6551

Max@Service1stHomes.com

Susan Brewer Service First Real Estate

Ryan Sebacher 636.233.4327

John Castille 636.229.1329

Ryan@Service1stHomes.com

john.castille@Service1stHomes.com

Wendy Halamicek 636.634.1152

Steve Savory 314.604.3999

Wendy@Service1stHomes.com Steve.Savory@Service1stHomes.com

Tom Bayer 314.262.9311

Tom.Bayer@Service1stHomes.com

Julie Steinbruegge 314.378.5146

Julie@Service1stHomes.com

Elizabeth Raubach 636.248.3634

Elizabeth@Service1stHomes.com

H&H Magazine | www.STLHandHMag.com 51