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MARCH 2021 Volume 2 • Issue 3

Honoring the Women

in Our Lives

Spring Fashion TRENDS

WHAT AFFECTS HOME

Values?

CONNECT.

PROMOTE.

me. SHARE.

GIVE.


Angel Magasano

Honoring the Women in Our Lives

LBB Founder and CEO

March is Women’s History Month, a national celebration of women’s contributions to history, culture, and society. It’s an important reminder to honor the great women in your life and an opportunity to learn a little about some of the notable female figures in American History. rallies to end discrimination and demand women’s rights to work. The United Nations officially began celebrating International Women’s Day in 1975. International Women’s Day is celebrated on March 8th, and LBB will be participating in the international movement. #ChooseToChallenge

HOW IT STARTED

On March 8, 1857, women working in garment factories in New York City organized a march, demanding equal rights, better pay, and a 10hour work day. That strike led to a more widespread American movement to establish women’s labor unions and end child labor in the early 20th century. In 1908, garment workers’ went on strike in New York—and exactly one year later, the Socialist Party of the United States designated February 28, 1909, National Women’s Day.

WHY DO WE CELEBRATE WOMEN’S HISTORY MONTH?

The goal of Women’s History Month is to highlight the achievements and contributions made by a variety of women in a variety of fields: filmmakers, artists, engineers, and pioneers of all kinds.

GOING INTERNATIONAL

National Women’s Day led to International Women’s Day, which was recognized for the first time in March 1911 by countries throughout Europe. Men and women attended

Throughout time, women have played a vital role in U.S. history. Therefore, Women’s History Month seeks to give

credit where credit is due and recognize the women who have changed the world in so many different ways. HONORING THE WOMEN IN OUR LIVES

The month of March is a time to honor all of the women in our lives whom we admire and respect. What women have impacted you? Who has inspired or motivated you? Take a moment to thank those women personally or publicly. The more we celebrate women, the more we contribute to the legacy of how women shape our world each and every day. Sources: parade.com | frontage.edu | internationalwomensday.com

BECOME MAGAZINE STAFF Cover Image courtesy of Debbie Thompson Cabi Fashion Stylist

*Kimberly Rupert

Content Management TimeHelperz Kimberly@TimeHelperz.com

Jeanne Strickland

LBB Creative Director; Graphics, Layout BOOM! Impact Graphics 314.605.7193

Samantha Shawhan Content Editor Edit for Content Info@EditforContent.com

*If you are a member of LBB and interested in being a contributing writer or advertising in LBB Become Magazine, please contact Kimberly Rupert at the email address above.

Any reproduction of LBB Become Magazine or its contents requires publisher's written consent. LBB Become Magazine aims to ensure that information is accurate and correct at all times but cannot accept responsibility for mistakes. LBB Become Magazine reserves the right to refuse submitted content and/or advertisements and assumes no responsibility for submitted materials. Unsolicited material must include a self-addressed stamped envelope.

Little Black Book | Become Magazine | March 2021


Welcome

GREATER ST CHARLES

MID ST LOUIS COUNTY

Bank of Franklin County

Keller Williams Chestfield

Jenna Rohr Conley, Attorney at Law, LLC

Debstinations Travel/Classic Travel Connection

Amanda Brower Jenna Conley Ellen Jones

Emmanuel Light Ministries

Melissa Reimer

MB Marketing Strategies

Jen Schmidt

Norwex Dr. Mary Kay Taylor Pole Star Consulting

9 TO 5

Dr. Stacey Tull

St. Charles County Dermatologic Surgery

Rung for Women

Courtney VanderPol

COTTLEVILLE Kelly Allen

WENTZVILLE

City of St. Peters and Berkshire Hathaway Alliance

Precious Smith

Modern Acupuncture

Cottleville Firefighters Outreach

Alcian Shaw

Julia North

Schoenherr Chiropractic

NEW MEMBERS

Cindy Lacks

Michelle Bixler

Kathleen Flynn

Kathleen Flynn Agency

Kimberly Kleewein House Buyers, LLC

Kathryn Schellhase

Goosehead Insurance -Schellhase Group

Mandy Shields Inhance It Staging

WEST COUNTY Maureen Zeugin

MADISON COUNTY

STL Wealth

Annie Eads

Cedarhurst of Edwardsville Linda Styer, Ellbee's General Store • Natalie Underberg, Roland Functional Medicine Heidi Maxwell, Aspire Construction Services LLC • Jodie Uhlemeyer, Yummy Dog Bakery Angela Luna, Make Our Schools Safe/Miss America Organization April Pohtos, Edward Jones • Marti Kelly Maradith Schwandner, Schwantees Apparel & More/Coastal Business Supply Jamie Peniston Vann, Spirit of Discovery Park • Kim Lorenz, Creative Visions Photography

March 2021

EVENTS

Dates & Times are subject to change. • For more information, please visit, WomenofLBB.com/CalendarEvents.html 3/1 - Members Only Meeting: Wentzville @ 9 am 3/2 - Ladies Who Lunch: Take Control of Your Money in 2021 with Deletra Hudson @ 11:15 am (pre-register) 3/3 - Coffee & Connections Mid-County: Diversity And Inclusion in the Workplace, 9 am 3/6 - For The Run Of It, Members Only, 8 am 3/4 - Coffee & Connections: Encore Group (In-person & Zoom), 2 pm 3/9 - Coffee & Connections: Madison County, IL, 9 am 3/9 - Coffee & Connections West County: Diversity and Inclusion in the Workplace, 9 am 3/10 - Coffee & Connections Troy: Diversity Initiatives, Collabs, and Impacts, 8:30 am 3/10 - Coffee & Connections Cottleville: Up Your Strength Through Your Tribe, 9 am 3/10 - Moms on the Move: Saving, Spending and Donating at Providence Bank, 4 pm 3/12 - Coffee & Connections 9 to 5: Strength Lies in Differences, Not Similarities, 8 am 3/12 - Coffee & Connections Greater St. Charles: What Makes Us Unique?, 9 am 3/13 - For The Run Of It, Members Only, 8 am

3/15 - Coffee & Connections Wentzville: Mastering the Art of Delegation, 9 am 3/15 - Self Development Book Club facilitated by Angie (Members Only), 6:30 pm 3/16 - Ladies Who Lunch: Diversity in today’s climate with Jen Wade, 11:15 am (pre-register) 3/16 - Leisure Book Club facilitated by Joan (Members Only), 6:30 pm 3/17 - Members Only Meeting: Mid St Louis County, 10 am 3/23 - Members Only Meeting: West County Chapter, 11 am 3/23 - Members Only Meeting: Madison County, IL, 4 pm 3/23 - TED Talk Online Meeting facilitated by Michelle, 6:30 pm 3/24 - Members Only Meeting: Troy Chapter, 8:30 am 3/24 - Members Only Meeting: Cottleville Chapter, 11 am 3/24 - Leisure Online Book Club facilitated by Sam (Members Only), 6:30 pm 3/25 - Members Only Meeting: 9 to 5 Chapter, 6 pm 3/26 - Members Only Meeting: Greater St Charles Chapter, 2 pm 3/27 - For The Run of It, Members Only, 8 am

Little Black Book | Become Magazine | March 2021


SELF DEVELOPMENT • The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months by Brian P. Moran, Michael Lennington

The guide to shortening your execution cycle down from one year to twelve weeks Most organizations and individuals work in the context of annual goals and plans; a twelve-month execution cycle. Instead, The 12 Week Year avoids the pitfalls and low productivity of annualized thinking. This book redefines your "year" to be 12 weeks long. In 12 weeks, there just isn't enough time to get complacent, and urgency increases and intensifies. The 12 Week Year creates focus and clarity on what matters most and a sense of urgency to do it now. In the end more of the important stuff gets done and the impact on results is profound. Explains how to leverage the power of a 12 week year to drive improved results in any area of your life Offers a how-to book for both individuals and organizations seeking to improve their execution effectiveness Authors are leading experts on execution and implementation Turn your organization's idea of a year on its head, and speed your journey to success.

BOOK

club

LEISURE • The Guest List, by Lucy Foley

The bride – The plus one – The best man – The wedding planner – The bridesmaid – The body On an island off the coast of Ireland, guests gather to celebrate two people joining their lives together as one. The groom: handsome and charming, a rising television star. The bride: smart and ambitious, a magazine publisher. It’s a wedding for a magazine, or for a celebrity: the designer dress, the remote location, the luxe party favors, the boutique whiskey. The cell phone service may be spotty and the waves may be rough, but every detail has been expertly planned and will be expertly executed. But perfection is for plans, and people are all too human. As the champagne is popped and the festivities begin, resentments and petty jealousies begin to mingle with the reminiscences and well wishes. The groomsmen begin the drinking game from their school days. The bridesmaid not-so-accidentally ruins her dress. The bride’s oldest (male) friend gives an uncomfortably caring toast. And then someone turns up dead. Who didn’t wish the happy couple well? And perhaps more important, why?

UpcomingBOOKS

SELF DEVELOPMENT

LEISURE

• Buy Yourself the Fucking Lilies by Tara Schuette

Little Black Book | Become Magazine | March 2021

• Fifty Words for Rain by Asha Lemmie


WHO WERE YOU MADE TO BE? For those of you who know me, you know that I have a love of children's books. I love so much about them; their simplistic wording, their powerful messages, their bright colors, and honestly, the smell of a hardcover book is like no other. (Well, maybe a brand new box of Crayola crayons, 8 or 64, it doesn't matter!) There is something magical about the glossy jackets to protect the texture of the front and back covers that's bindings are hand-sewn. And aw, the feel of the pages on your fingertips. There is truly nothing like it! Right before Thanksgiving, I found myself immersed in research pertaining to the Greenhouse at SoDP, when I stumbled across a children's gardening book that I had been slightly aware of called We are the Gardeners by the popular HGTV star and designers, Joanna Gaines. I had heard a brief interview about this book and quickly dismissed it since it didn't serve the purpose of my research. To my surprise, the book was accompanied by a second, again, not serving my purpose-driven task at hand, yet more insightful than I realized in that moment. It brought me back to a profound June meeting.

year after year. I wish I was born with patience although through this journey, I've realized that God doesn't grant patience but presents opportunities to be patient. A hard lesson for a stubborn person! The newest Joanna Gaines children's book, The World Needs Who You Were Made to Be, the one stumbled onto during greenhouse research, simplistically summarizes, through poetic tones and brilliantly colored illustrations, the deep discussion had at the coffee shop. It is a must read! It’s a gem of inclusion, acceptance, and kindness! It's timely, charming and oh, so true! I encourage you to add it to your library and ignite the creative child within yourself! ¤

Just over 4 years ago, this past summer, I had a conversation with a gentleman whom I learned was doing BIG things. Come to realize, he too, was a BIG thinker, an innovator trying to change what he knew business and social communities could and more importantly, SHOULD be. We met over coffee and as he sat down, he asked me if I knew what the first 5 words of the bible were? Being cradle Catholic, I thought to myself as he replied in his next breath, "In the beginning, God created." Our conversation, as many more over the years did, grew very philosophical and intense. The more intense, the more creative. The more creative, the bigger the dreams. In these moments, the first 5 words of quite possibly the most read and best-book ever written, kept ringing true- in me. Creating something from an idea, from nothing some say, is empowering. Empowering to the dreamer, empowering for the onlookers and I believe we ALL can become empowered through creativity, if our minds are open and we believe we can. Hence the calling I find myself on. Spirit of Discovery Park didn't start out, in my eyes, as a calling. A challenge, absolutely. A calling, NO! I didn't realize my creativity, persistence and grit were three gifts I was born with that would keep this monumental project moving forward, day after day,

Jamie Peniston Vann

Spirit of Discovery Park Jamie@SpiritofDiscoveryPark.com SpiritofDiscoveryPark.com

Little Black Book | Become Magazine | March 2021


ACT The ACT.

While many of my students tend to refer to this exam as the Academic Confusion Test, it’s an acronym for “American College Testing”. The ACT was originally created in 1959 to test high school students’ overall knowledge after graduation and to determine their eligibility for the university they were wanting to attend. The average yearly tuition for a 4-year degree was also only $1,510. One of those facts has changed. Care to guess which one? As a teacher in the districts, I saw several students struggling constantly with multiple subjects, and knew the ACT would also be difficult for them to conquer; I also saw straight A students with 4.3 GPA’s, multiple volunteer credits, and numerous leadership opportunities who also struggled with taking the ACT. It got me thinking about why it was so difficult for many of my kids to do well on this test, and why they were struggling so hard on this one test to earn a scholarship. Having the question linger around in my brain only caused me to do what one would naturally be inclined to: I conducted research and a variety of sample tests to crack the code behind the why. It took some time, but eventually, I found a series of possible explanations: 1) It’s timed and students just are not used to having to take a test in a strict time limit.

PREP

2) It’s A LOT of information. The math section itself covers all math from Pre-algebra all the way to Calculus. Students are generally tested over 1-4 units at a time, not 6 years’ worth of math.

3) They have psyched themselves into believing that they’re dumb and this test is going to prove it. (An idea that I vehemently deny to every single student that walks through my door.) At Willow Tree, we know that understanding the material is only half the battle: conquering the mind is the other half. Over the last decade, I have worked to develop the program and pedagogy used by combining psychological brain-training strategies with academic information to help students break down those walls and start to shine. Many of the lessons and information they learn goes on to help them far beyond just the ACT. We strive to make sure that every student walks out of our program feeling more confident, knowledgeable, and ready to step into a more successful and much brighter future. ¤

Jessica Beeson

Willow Tree Tutoring JBeeson@WillowTreeTutoring.com WillowTreeTutoring.com

Little Black Book | Become Magazine | March 2021


KNOW WHEN TO

take a break.

Ever have the feeling you have lost something? Can’t quite put your finger on it? Is your brain a little foggy? Maybe what you are looking for is BALANCE.

There seems to be a struggle in our world. If you are always on the go, constantly moving, people think you are driven. If you take too much time off, move at a pace that is too slow, you might be labeled as lazy. Somewhere in the middle is the magic mix, the happy blend, the of the truly successful, called BALANCE. The problem is finding BALANCE without feeling guilty or neglectful. Here are a few tips:

Listen to your body.

Do you have knots in your neck, persistent headaches, or feel like a cold is trying to come on? Your body is giving you a cue. Take a break.

Listen to your mind

Are you having anxious thoughts that just won’t seem to be still? Maybe trouble sleeping? Having difficulty focusing? Take a pause. Even a short one can give your mind a boost.

Stop comparing.

Don’t try to keep up the same pace with others. Your journey is unique and special to you. ¤

Shiloh Werkmeister

MAC, LPC, ADHD-CCSP, CMHIMP, CCF Integrative Connections Counseling, LLC Shiloh@Integrate2Connect.com Integrate2Connect.com Little Black Book | Become Magazine | March 2021


Mindful EATING

Mindful eating is a key component to becoming healthy, strong, and living a long life. Maintaining a healthy lifestyle is one of the biggest struggles and planning/preparing your meals ahead of time for the week is the best way to stay on track. People tend to fail in their attempts at meal planning due to lack of time, meal variety, and taste. “Dieting” does not have to be boring or bland. You can eat meals that are delicious, fresh, and made with high-quality natural ingredients that will also satisfy your hunger. Eat with a purpose! Choose real food, incorporate well-balanced meals portioned just right with lots of lean proteins, fibrous vegetables, and complex carbohydrates as well as control your sugar intake. Your nutrition is the key factor when it comes to creating a healthy lifestyle. In order to achieve results, your nutrition has to be on point. Here are a few tips from Lean Kitchen to help you in your journey: • Hydrate, hydrate, hydrate. Drink 64 ounces of water per day. • High protein yields in building lean muscle, recovery, and keeping metabolism up as well as burn fat. • Portion control. • Monitor caloric intake. • Avoid carbohydrates late at night as unused carbs can be stored as fat.

• Get plenty of rest. • Supplements can also be greatly beneficial in filling nutritional gaps and accelerating results. Another great way to practice mindful eating is to make sure you are eating because you are hungry, not because you are stressed or frustrated. When you truly think about what you are eating and connect with it, you will eat less and feel more satisfied. Take the time to connect with your food, take a pause between each bite and think about where this meal came from - where it really comes from - think past the grocery store. We’ve also all heard about eating the outer portion of the grocery store. This is a great tip, if more of your food comes from the outside than from the isles, your food will be much healthier for you and your family. ¤

Stephanie Orf

Lean Kitchen O'Fallon LeanKitchenCo.com/OFallon

Little Black Book | Become Magazine | March 2021


M A KE YOUR BRAND

RELATABLE

TO DIFFERENT GENERATIONS

Recently, a bride and a groom performed what they deemed a ‘dance across generations’ at their wedding for the first dance, including popular dances from the 1940s to today. The various dances based on the decades were meant to appeal to each generation of wedding guests in attendance. The dance was a hit and showed the couples’ awareness that a dance to modern music might not appeal to their grandparents’ generation. There’s a simple lesson to be learned here—various generations have different values and interests. The recent Super Bowl halftime show is another prime example of the need to understand your audience. Many people who have an interest in pop music loved the performance by The Weeknd. Those who don’t keep up with pop culture were left wondering why the backup dancers were wearing bandages on their faces. Whether you loved or hated it, this was a great reminder that different audiences and generations respond to content differently. Your marketing strategy is no different than these two examples. What works for one generation may not work for another, and that’s okay. Let’s look at how you can make sure your products are appealing to various generations and demographics. IDENTIFY YOUR TARGET DEMOGRAPHIC You can’t be everybody’s cup of tea, so find out who is. Start by identifying your core target audience. The hardest part about this exercise is realizing that there will be outliers. We’re talking about identifying your most popular customers. What age are they? What are their interests? What types of brands do they love? If you don’t know the answer to these questions, consider holding a focus group with some of your top customers to find the answers. After you’ve identified your core demographic, identify some secondary demographics. To reach your customers with what they love, you’ll first need to realize who they are. MEET THEM WHERE THEY ARE Now that you know your target demographics, it’s time to think about where you can find those customers. While some prefer to receive emails, you’d be surprised at the number of people who still love a well-done direct mailer. Young generations may love receiving branded swag in the mail, like a t-shirt or backpack, while a fridge magnet is the perfect option for others. If you don’t know…ask. Survey your current customers to determine if they prefer direct mail pieces or would like a personalized email every week. If you never ask, you’ll never know the answer.

DEVELOP DIFFERENT MESSAGES Different audiences require different messages in order to be effective. Luckily, we’re living in the information age where you can segment your audience for both digital marketing and direct mail. Social media marketing allows you to drill down different audiences and target those individuals with separate messaging with the click of a button. If you understand who your customers are, you’re able to essentially do the same thing with physical mailings. Make sure to use language that your target demographic would use. Since you have already identified brands they love, consider studying how those brands speak with your target audience. Remember—what works for one customer may not work for another, and that’s okay. You’ll need to do the research to understand your audience and cater to their needs. Segment your audience into different groups based on the type of marketing they prefer, and offer each audience the things they love the most in the way they like to be communicated with most. ¤

Wendy Hausman

Minuteman Press- St Peters WLHausman@gmail.com StPeters.MinutemanPress.com

Little Black Book | Become Magazine | March 2021


Becoming THE BEST Yourself VERSION OF

Are you excited about the new year, or do you get frustrated when it comes to setting new goals? What would happen if you could become the absolute best version of yourself? What if there were some simple mindset hacks that you could use right now to help you achieve that? As we are starting the new year and are setting new goals in our health, relationships, and finances, the words we choose and thoughts we think are key to our success. Here are some tips to get you started on the right track.

BE AWARE OF YOUR THOUGHTS

An aware and attentive state of mind can help you to understand in which direction your thoughts are going. When you pay attention to the kind of thoughts going on in your mind, you can identify when any contrary idea instantly appears. This awareness will assist you in making a conscious effort to divert your mind towards abundance mentality. For example, when you wake up in the morning, do you think about what you “have” to do for the day or what you “get” to do. Keeping your thoughts with a positive focus in mind can make all the difference.

FOCUS ON ABUNDANCE You attract what you focus on. If you focus on the negative things around you, the brain will stop noticing the good things happening in your life. Therefore, focus on what you want, rather than what you don’t want. For example, instead of focusing your attention on the negative such as, "I am fat,” instead think about what you can do today to support your health goals. Focus on the abundance and gratitude that you have the ability to make your health a priority.

SHOW GRATITUDE TOWARD OTHERS Being grateful is the most effective and resultdriven action that you can do to create happiness and abundance. Be thankful to others for every little thing and always remain grateful in life. Many studies back the favorable impact of gratitude on health and well-being as well. It helps you to overcome fears and provides happiness.

THE POWER OF WORDS The words you speak about yourself becomes your reality. If you want to be successful in your goals, speak to yourself with love and kindness. Our words matter. When we are intentional about our words, it activates the neurons in our brains to look for the things that we proclaim. We literally become the words we speak.

ASK YOURSELF EMPOWERING QUESTIONS When we ask ourselves why something has happened, it triggers a victim-like mentality. Instead, ask yourself empowering questions. This will activate your brain to look for solutions rather than focusing on the problem. Example: Why am I not losing weight is a victim like statement or question. Instead, ask yourself; how can I best support my health goals right now? Or, what can I do today, to move me towards my goal?

Here’s to a happy, healthy, and an abundant year! ¤

Kimberly Lebbin

Kimberly Lebbing, LLC Kim@KimberlyLebbing.comKimberly Lebbing.com

Little Black Book | Become Magazine | March 2021


Spring

Believe it or not, spring will eventually arrive with bright pops of color mixed in with black and white, and a fresh take on florals. Bringing together comfort and glam. The trends for Spring/Summer ‘21 is about loving what we have on and excited to get out of house and out of our grungy sweats and into fresh, comfy but chic clothes.

FASHION LAST DAY OF SUMMER The idea of this trend is what you might wear on your last day of vacation. Wearing clothes that are breezy, flowy, and comfortable but in an elegant way. White eyelet dress • Graphic Tee • Nude & blush colors. Pops of color • a striped shirt worn over a small print shirt. CASUAL MEETS COOL Stepping up our athleisure game. Could you answer the door in your leggings? Would you beable to go out to lunch and feel chic & stylish?

Little Black Book | Become Magazine | March 2021


OPPOSITES ATTRACT A playful approach to black and white when you add color or texture. Wear black and white patterns and prints or as solid separates. Wear the black solid where you want to look smaller and the white where you want to accentuate/highlight. Now, just add a pop of color, maybe abright bag, a bold neon shoe or a cute scarf. Black blazer over a black and/or white tank • A black and white striped jacket with a hoodie underneath in a pop color • Black and white joggers with a neon green or pink t-shirt and a bright color tennis shoe.

OUTSIDE THE LINES

Thinking outside the box. How you feel on the inside by what you wear on the outside. Print and pattern mixing, bold colors, different layers of things together. Like wearing a cute pair of skinny pants under a dress, mixing small and large prints together, and even mixing a floral with a stripe! Go bold and get noticed. A small print dress over a button fly cargo • A striped pullover on top of a flowy pop color print top An animal print jogger paired w a small-scale stripe tank and a brightcolored loose sweater. ¤

Debbie Thompson

Cabi Fashion Stylist dthom49206@aol.com DebThompson.CabiOnline.com

Little Black Book | Become Magazine | March 2021


Whether you’re buying or selling a home, it’s good to know how the value is determined. Home size is a key factor, but there are many external factors you may be surprised to learn are major influences on pricing. Read on to see an overview of what impacts a home’s value.

WHAT AFFECTS HOME VALUE?

LOCATION

Where the home is at and what the area is like is one of the most important factors in determining value. An area with a low crime rate and good school system is more valuable than the opposite. Additionally, being a convenient distance from modern amenities has an effect. Having grocery stores, shopping centers and staple franchises like Starbucks or Trader Joe’s nearby all add to home value. Easy access to highways is also a significant factor for commuters.

MARKET COMPARABLES

More granular than location is the value of homes comparable to yours in your neighborhood. What similar houses in your area have sold for is one of the first things appraisers will look at and will establish the base price of your home. Outside of the property itself, the quality of your neighborhood can affect value. A well-maintained neighborhood will make homes in that area more valuable.

HOME SIZE AND USABLE SPACE

Many buyers will determine the amount of home they can purchase by the square footage. What you do with that square footage is also important, both in the layout and the usability of the space. An open floor plan is more desirable than a more niche one. Regarding usability, the value decreases if a good chunk of the square footage is not able to be lived in. Unusable spaces are things like garages, attics or unfinished basements.

AGE AND CONDITION

On average, the newer the home, the more valuable it is. Buyers don’t want to have to replace rusting plumb-

ing a year after they move in. However, an older home that’s in good condition could have a similar value to a brand new home.

UPGRADES

Most upgrades you make to the home, such as an updated kitchen or hardwood flooring, will add value. However, it is possible that an upgrade can be detrimental if it’s not something that nearby homes have, like a home theater. On the flipside, if the home doesn’t have similar upgrades to the houses in the area, it could decrease the value as well.

SUPPLY AND DEMAND

Supply and demand for houses in your area has a big effect on value. In what’s called a seller’s market, homes are more in-demand, so they have more value. In a buyer’s market, however, they’re not as much of a hot commodity, thus lowering the value. To truly determine the price of a home, an experienced real estate agent can help you find out exactly what your home’s value, or, if you’re shopping, can help you find exactly what you’re looking for your price range. If you’re on the search and need guidance for your home financing, reach out to your Flat Branch mortgage banker today! ¤

Lori Kehoe

Flat Branch Home Loans lkehoe@fbhl.com homeloanswithlori.com

Little Black Book | Become Magazine | March 2021


The Cost of

PROCRASTINATION

EARLY BIRD

Let’s look at the case of Cindy and Charlie, who each invest $100,000. Charlie immediately begins depositing $10,000 a year in an account that earns a 6% rate of return. Then, after 10 years, he stops making deposits. Cindy waits 10 years before getting started. She then starts to invest $10,000 a year for 10 years into an account that also earns a 6% rate of return. Cindy and Charlie have both invested the same

Some of us share a common experience. You’re driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops. “Are you aware the registration on your car has expired?” You’ve experienced one of the costs of procrastination. Procrastination can cause missed deadlines, missed opportunities, and just plain missing out." Procrastination is avoiding a task that needs to be done—postponing until tomorrow what could be done today. Procrastinators can sabotage themselves. They often put obstacles in their own path. They may choose paths that hurt their performance. Though Mark Twain famously quipped, “Never put off until tomorrow what you can do the day after tomorrow.” We know that procrastination can be detrimental, both in our personal and professional lives. Problems with procrastination in the business world have led to a sizable industry in books, articles, workshops, videos, and other products created to deal with the issue. There are a number of theories about why people procrastinate, but whatever the psychology behind it, procrastination potentially may cost money—particularly when investments and financial decisions are put off.

$100,000. However, Charlie’s balance is higher at the end of 20 years because his account has more time for the investment returns to compound. ¤ This is a hypothetical example of mathematical compounding. It’s used for comparison purposes only and is not intended to represent the past or future performance of any investment. Taxes and investment costs were not considered in this example. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for long-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns will fluctuate. The type of strategies illustrated may not be suitable for everyone. Disclosures: "This is a hypothetical example of mathematical compounding. It’s used for comparison purposes only and is not intended to represent the past or future performance of any investment. Taxes and investment costs were not considered in this example. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for long-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns will fluctuate. The type of strategies illustrated may not be suitable for everyone. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2020 FMG Suite." Endeavorwealthmgt.com/resource-center/retirement/the-cost-of-procrastination

As the illustration below shows, putting off investing may put off potential returns. If you have been meaning to get around to addressing some part of your financial future, maybe it’s time to develop a strategy. Don’t let procrastination keep you from pursuing your financial goals.

Riley Juenger

Endeavor Wealth Management RJuenger.111@gmail.com EndeavorWealthmgt.com

Little Black Book | Become Magazine | March 2021


Lunch

LADIES WHO

Sybergs | 2430 Old Dorsett Road, Maryland Heights, MO 63043

MAKING A BOLD VISION A REALITY: STORIES FROM RUNG FOR WOMEN

LESLIE

Gill

Having served in leadership capacities for several profit and non-profit organizations, Leslie has been deeply involved in a wide range of social welfare issues. Before joining Rung for Women as the organization’s president, Leslie served as the Chief Executive Officer of Annie Malone Children’s & Family Service Center. Leslie has also served as Executive Director of College Summit, where she had multi-state responsibility for programs, fundraising, and business operations. Prior to that, she spent six years in executive leadership roles with the Girl Scouts in St. Louis and Atlanta. In those roles, she oversaw advocacy and governmental affairs, strategic planning, program development, membership recruitment, and cookie sales. Leslie is a native of St. Louis, and now resides in the Central West End neighborhood with her daughter, Marley. She is a distinguished alumnus of Hampton University. She holds a Bachelor of Arts degree in English from Hampton University, as well as a Master of International Business from Saint Louis University. ¤

Congratulations

Several LBB Members and Wingmen were named one of the 20 Stars in 2020 from the Western St. Charles County Chamber of Commerce.

MEMBERS

Anna Broeder Alt • Tina Burns • Angie Harness Alysia Kerkove • Katie Malloy

WINGMEN

Matt Martin Brian Nolan Jon Parmentier


2021 SPRING APPAREL FASHION Trends to Watch & Wear

It’s a new year, which means time to update your professional branded wardrobe. Promotional apparel designers have kept up with the new styles and colors to match must-wear 2021 fashion trends. We have picked five of them that appeal to a wide audience to help you spark ideas for your branded apparel needs.

MATCHING TRACKSUITS

Remember when Run-D.M.C. made matching tracksuits? Back in the ‘90s, lots of sportswear brands turned out tracksuits made in luxe fabrications like velour and silk. Now, circa Y2K matching tracksuits are back on the scene. Comfort is becoming the number 1 priority in people’s lives these days, so this look is popping up everywhere. You will see these styles in retail made of velour, suede fleece, silk, and even satin. Want a branded hooded sweatshirt, why not add a pair of matching joggers too.

SHADES OF PINK

Hues with reminiscent of bubblegum and pastel pink candy head this spring’s color brigade. Yes, shades of pastel pink are easier to integrate into everyday wear, but you will also see wearable iterations of saturated and neon pinks that people are loving. Pink hues fit perfectly into on-trend looks—and this color family looks great on all kinds of apparel.

UNISEX STYLES

For 2021, designers showed a predilection for unisex wear, hallmarked by clean minimalism meant to fit all styles, genders, and ages. Simpler, more graphical “logo” messages are still key to expression, in line with these styles’ clean lines. Flexibility is also important, in basics that can be worn day to night, for work, play, and everything in between. Workplaces continue to become more and more casual; these pieces present a perfect middle-ground for the new generation of workers.

BLACK AND WHITE MONOCHROMATIC LOOKS

During the past several months, many designers started gravitating towards pairing black-and-white together in their designs. As neutral colors still seem to be the go-to, we invite you to try a tie-dyed black hue, along with shades of white sprinkled throughout. Combine this and mix the other three popular trends (Tie-Dye, Matching Tracksuits, and Black & White color styling) for your casual work apparel.

EARTH TONES

Designers sent models down the runways with neutral earth tones, showing that these quieter colors can still make a statement. This season’s hot earth shades include rust reds, mustard yellows, and deep browns—and they look great on almost everyone. You can keep these on-trend shades casual in t-shirts, polos, and trucker hats; showing that earthy tones can look great head-to-toe and giving you a logoed style that looks great at work or out and about. New items featuring some of these 2021 trends have been added to the LBB Online Store so be sure to visit LBBStore.itemorder.com/ sale rock your trendy LBB apparel! ¤

Sara Henderson

Promotions Pronto, LLC cs@promospronto.com https://www.promospronto.com

Little Black Book | Become Magazine | March 2021


A flavorful pilsner mixed with vodka, lemon juice, and ginger makes for a refreshing beverage on a crisp, sunny spring afternoon.

BEER Shandy

Cocktail

INGREDIENTS 4 bottles pilsner beer 4 lemons 1 teaspoon grated ginger 1 handful mint leaves 1/4 cup agave nectar 6 oz vodka

DIRECTIONS Gather your ingredients. Juice 3 of the lemons. Add the beer, lemon juice, ginger, vodka, and agave to the pitcher. Mix well. Garnish with slices from the 4th lemon and the mint. Serve.

Cheers!

Jeanne Strickland BOOM! Impact Graphics Call or Text 314.605.7193 JeanneStrickland@yahoo.com This light, refreshing recipe is from Tablespoon.com

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LBB Become Magazine March 2021  

International Women's Month • Spring Fashion Trends • What is the Value of Your Home? • Become the Best Version of Yourself • Mindful Eating...

LBB Become Magazine March 2021  

International Women's Month • Spring Fashion Trends • What is the Value of Your Home? • Become the Best Version of Yourself • Mindful Eating...

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