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Friday • 11.23.2018

BraNd aVE. STUdiOS CONTENT

SHOP LOCAL this Holiday Season SPONSORED BY:

For all your Savings and all your Loans.

S A T U R D A Y, N O V E M B E R 2 4 , 2 0 1 8

SHOP LOCALFAST FACTS CONTENT AND PHOTO PROVIDED BY GREEN SHOOT MEDIA

SMALL BUSINESS SATURDAY

Shopping local has become a trend thanks in large part to nationwide marketing campaigns. In fact, Small Business Saturday has become a shopping holiday in its own right — and fares well against its more big-box competitors Black Friday and Cyber Monday. This is what it means to shop local in the United States.

• Small Business Saturday started in 2010. That year, the event was sponsored and promoted by American Express to encourage the growth of small businesses. • Small Business Saturday took a dip in 2017, both in foot traffic and in overall dollars spent. The shopping holiday saw 108 million shoppers who spent approximately $12.9 billion, which according to the National Federation of Independent Business and American Express, is 4 million shoppers and more than $3 billion less than the year before. • The state-by-state breakdown of the day shows that a majority of participation was through restaurants and bars, with 41 percent of people dining local. This was followed by purchases of clothing and accessories from small businesses (24 percent), grocery stores (23 percent) and then coffee shops (22 percent).

SHOPPING SMALL

• You may have already heard more mainstream statistics regarding your dollars (such as when you spend $100 at a local business, approximately $68 stays in the local economy, rather than just the $43 if you would spend that same money at a big-box store.). But did you also know that small businesses accounted for more than half the jobs that have been created in the last decade? • Additionally, small businesses donate 250 percent more than corporate businesses to non-profits and to community-based causes, according to the Seattle Good Business Network. • While some shoppers won’t purchase items directly on Shop Small Saturday, the shopping holiday has definitely increased small business awareness. People have begun to shop small on other days and more consistently throughout the year.

THE GIFT THAT KEEPS ON GIVING CONTENT AND PHOTO BY GREEN SHOOT MEDIA

Shopping local is the ultimate gift you can give your community and it is an incredibly patriotic act. By shopping local, you keep your money local, investing in the place that invests in you. Read on for some inspiring reasons to shop local.

YOU MAKE YOUR TOWN THE PLACE TO BE

Local shops and businesses are what give a town its flavor. By spending money in local shops — especially those that support local makers — you are making a statement that you appreciate those trades and would like to see them remain in the area. Supporting those businesses can even attract more people to your area. Towns and cities with vibrant downtown areas are hot spots during the shopping season, resulting in more revenue for many related businesses, organizations and tourism bureaus.

YOU HELP SHAPE YOUR COMMUNITY

A community’s small businesses are what give a town or city its heart; these are places that help shape your town’s character and personal brand. Locally owned businesses tend to stock the items and products that they know will sell well. By purchasing

from small businesses, you are helping to dictate the items they sell, as well as their overall success in the community.

YOU SUPPORT YOUR NEIGHBORS

Well, maybe not technically your neighbors, but definitely others who live in your area. Not only do small businesses account for more than 99 percent of all the business in the country (that is a lot of jobs), but they support and give to local programs. One of the most popular ways small businesses give back is through sponsoring little league teams and major community events. And shopping local doesn’t stop at purchasing gifts. Consider shopping local with your groceries or opening up a savings account at a local bank to save for your Christmas shopping all year round.

This content was produced by Brand Ave. Studios. The news and editorial departments of the St. Louis Post-Dispatch had no role in its creation or display. For more information about Brand Ave. Studios, contact tgriffin@stltoday.com.

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BRAND AVE. STUDIOS CONTENT

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BAD SISTER

Bad Sister Boutique offers a wide variety of unique and ever-changing items. From clothing to gifts, to skincare, candles and more, there is something for women of all ages at Bad Sister Boutique.

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BEST HOME FURNISHINGS

Best Home Furnishings are American made since 1962 and custom built for you in three weeks or less. Best has been selling direct to the St. Louis public for 13 years.

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CATHOLIC SUPPLY

Serving St. Louis since 1960! Thank you for supporting our small family business. We’re proud to offer you the finest selection (in store & online) of meaningful inspirational and Christian gifts. Shop Small | Shop Local

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DAU FURNITURE

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DeMAY FURS

This holiday season, give your family the gift of quality, comfort and value with Dau Furniture’s vast selection of home furnishings. Find one of our many unique floor samples to make your home extra special for your family and friends this holiday season. We offer gift certificates to make that special someone’s holiday extra comfy.

FRIDAy • 11.23.2018

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S P E C I A L P R O M OT I O N

THE FABULOUS FOX THEATRE

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The Fabulous Fox blown glass holiday ornament recreates the theatre’s signature Grand Blvd. blade sign. The boxed ornament is $20 and is available at the Fox box office during regular business hours and at the Guest Services Gift Shop in the Fox lobby before and after tours and performances. See FabulousFox.com for hours.

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FORSHAW OF ST. LOUIS

Warm up your fireplace this winter with a new set of vented gas logs. Create cozy, beautiful ambiance with the turn of a knob and eliminate the smell and hassle of burning wood. We stock many sizes and styles so you can take them home or have one of our installation team members safely install them for you.

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KENRICK’S

The gift that every man would love comes from Kenrick’s. That’s right -- Meat! The “Big Joe’s” favorite is a perfect combo of (2) 8-oz Bacon-Wrapped Filet Mignons, (2) 12oz. Choice Rib Eye Steaks, (2) 16-oz. Choice Porterhouse Steaks and (2) 12-oz. Center-Cut Pork Chops and is sure to make any man in your life delighted this holiday season.

DeMay offers new fur coats, jackets and trade-ins. They can remodel furs to the style of your dreams. DeMay also offers cleaning and glazing ($25-$55) and cold storage ($1-$55).

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Friday • 11.23.2018

A large business with small beginnings

SPONSORED CONTENT AND PHOTOS BY FIRST COMMUNITY CREDIT UNION

A

SMALL BUSINESS OWNERS

t First Community Credit Union, our name encompasses what we do: put community first. From our members to small business owners, we take a community-centered approach to the people we serve. With 43 locations in Missouri and Illinois, over 300,000 accounts and 500+ employees, First Community, although started as a small business, isn’t so “small” anymore. “In the 10 years since the financial crisis of 2008, First Community kept growing and remained a safe, strong financial institution,” says Glen D. Barks, president and CEO. “We are committed to doing things the right way — the way that earns loyalty.”

First Community was established in 1934 as the Monsanto Credit Union to serve Monsanto employees. In business for nearly 85 years, First Community is the largest credit union in Missouri and among the top 100 credit unions in the nation. First Community is proud to be a hometown financial institution. In fact, we welcome you to eat popcorn with us and bring dogs to the drive-up.

Our members are also small business owners. We help local businesses with small business loans and commercial accounts.

ABOVE: Mascot, Louie Loan Star hosting a kid’s club event at the City Museum.

MEMBERS

First Community now serves individuals who live or work in the Missouri communities of St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, and the Illinois counties of Madison, Monroe and St. Clair. Family of existing members are also eligible to join. As a credit union, First Community is really a financial cooperative, owned and operated by its members. This is what distinguishes us from banks. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members.

“First Community specializes in partnering with small, privately held businesses to increase economic growth with the communities we serve,” says Carrie Kerley, associate vice president of business services. “What separates us from our competition is our willingness to work with each business owner to ensure that we meet their needs.”

In the 10 years since the financial crisis of 2008, First Community kept growing and remained a safe, strong financial institution. We are committed to doing things the right way — the way that earns loyalty.

RIGHT: First Community sponsors Christmas tree lighting with cookies.

First Community’s professional and personalized loan officers help small businessGLEN D. BARKS es purchase vehicles, add rePRESIDENT AND CEO tail space and working capital to grow with competitive interest rates and flexible terms. With decisions being made right here in St. Louis, these customers can receive pation whenever possible. Taste of St. necessary cash in no time. When busi- Louis, Brew in the Lou and the Glen nesses invest with us, we invest in them. Carbon Homecoming are just a few of the events we have sponsored this year. For all your Savings and all your Loans.

SUPPORTING LOCAL

First Community has built a branch network that reaches to every corner of the St. Louis metro area including eight locations in Illinois. And those branches don’t just operate in our St. Louis communities, they are part of the communities. In most cases branch employees live close to their office and every effort is made to support local events, schools and organizations with financial support and partici-

ABOVE: First Community makes donation to Nurses for Newborns.

BraNd aVE. STUdiOS CONTENT

GIVING BACK

We are also very proud to support local non-profits and are committed to giving back to the community as generously as we can. We back dozens of organizations every year with employee fundraising efforts as well as corporate donations. Some of these organizations include: Friends of Kids with Cancer, Alzheimer’s Foundation, Junior Achievement, Nurses for Newborns and the Humane Society of St. Louis, to name a few. ***

This content was produced by Brand Ave. Studios in collaboration with the First Community Credit Union. The news and editorial departments of the St. Louis Post-Dispatch had no role in its creation or display. For more information about Brand Ave. Studios, contact tgriffin@stltoday.com.


BRAND AVE. STUDIOS CONTENT

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FRIDAy • 11.23.2018

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S P E C I A L P R O M OT I O N

KREKELER JEWELERS

Unique to Krekeler Jewelers is the Keith Jack collection that draws inspiration from the raw beauty of the Scottish and Irish landscapes. Each of the collections offers something unique seen in the hidden mountain loch, the grey sky over the glen, or the ripples on a sandy beach. Such resources combine textured precious metals and exotic gemstones in surprising and stunning ways. The designs are strengthened by his ability to blend ancient Celtic symbolism with contemporary style and elegance.

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PARAMOUNT JEWELERS

Magnificent masterpiece in 18k white gold, featuring a 17.49 carat tantalizing Electric Blue Topaz with an unparalleled cut. Accenting this incomparable piece of artistry are 22 VS quality diamonds.

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Q BOUTIQUE

Conscious Step socks were created to bring awareness to the problems faced by the world today and the organizations fighting these problems.

Q Boutique—the award-winning gift shop of the World Chess Hall of Fame—has become a holiday shopping destination not to be missed. Q Boutique is stocked with a curated selection of gifts including unique jewelry, clever kids’ games, custom accessories, quirky greeting cards, books for all ages and a variety of locally-made goods, juxtaposed with the region’s best selection of chess sets. Whether you’re searching for a hard-to-shop-for friend or a last-minute addition to your holiday list, Q Boutique makes it easy to be a gift-giving guru.

POST-DISPATCH STORE

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PIO’S RESTAURANT

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Looking for that special gift? Visit www.thepostdispatchstore.com for unique, St. Louis-themed items and sports merchandise. Pick from a variety of products including best-selling regional books, sports memorabilia, games and more!

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PLOWSHARING CRAFTS

Come experience Pio’s passion for food. Pio’s invites customers to host their holiday dinner events with them. From small, intimate dinners to larger events in their banquet rooms, Pio’s ensures any gathering to be a success.

THE RESALE SHOP

Clothing, shoes, jewelry accessories and home goods for the entire family. All proceeds from The Resale Shop help support the programs of NCJW STL to improve the lives of women, children and families in our community.

ST. LOUIS ART SUPPLY

St. Louis Art Supply, located in the Central West End, specializes in fine materials for painting, drawing, and writing. You’ll find colored pencils and paints for your creative friends, along with notebooks and fountain pens for friends from the office. The store also includes a full café, so you can warm up and recharge before you finish your shopping.

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Friday • 11.23.2018

BraNd aVE. STUdiOS CONTENT

FAMILIES HELP POWER COMMUNITIES W

CONTENT AND PHOTOS PROVIDED BY GREEN SHOOT MEDIA

hen it’s all in the family, it’s good for your community.

Family-owned businesses play an enormous role in the U.S. economy, providing jobs and contributing to gross domestic product. They also play a large role in local communities, with families putting their names behind products and services on which you and your neighbors can rely. To get a sense of how important these businesses are to the nation’s economy, check out these statistics from the Score Association. • Family-owned businesses employ 60 percent of the United States workforce while creating 78 percent of all new jobs. • 1.2 million family-owned small businesses are run by a husband and wife team; employment numbers range from two to thousands of people. • 19 percent of the 28.8 million small businesses in the United States are family owned.

FAMILY FARMS

Family-owned farms “remain the backbone of the agriculture industry,” with 97 percent of all U.S. farms being family owned, according to the U.S. Department of Agriculture’s National Agricultural Statistics Service reports in 2015. Of those roughly 2.1 million farms, about 88 percent are small farms, and 58 percent of direct-to-consumer sales are made by small family farms. So how can you show your support? Patronizing farmers markets and roadside produce stands and buying direct from the farm are all great ways to get involved.

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Here is a snapshot of how family-owned businesses help the economy, according to the Conway Center for Family Business: • Family businesses account for 64 percent of U.S. gross domestic product, generate 62 percent of the country’s employment, and account for 78 percent of all new job creation. • Family-owned businesses are the backbone of the American economy. Studies have shown Buying at the farm also ensures that you can see where and how the food was grown.

IN IT TOGETHER

Many family-owned businesses are locally owned. The entire community has something to gain when local businesses succeed. More of your money stays local, the business contributes jobs to the local economy and often profits are re-invested locally.

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“This Doctor Exposes His Own Shortcomings…”

The Facts Uncovered Right Here For All To Read… Dear friend, I know this seems unusual, but I’ve got to get something off my chest. So, although this may surprise you, it makes so much sense that you’ll probably understand right away. For 14 years now, I’ve been quietly helping the good people of Wentzville find help when many have found help nowhere else. Some have been given up on, some lost in the system. But, I’m not a ‘hero’ and I don’t deserve a medal. The truth is I have a few shortcomings that I’m committing myself to improving. Shortcoming #1- I often forgot to tell people that I didn’t cure them. That’s right. Although it’s normal for people to believe I “cured” them of their health problem, I didn’t. It is the body that heals itself, as long as there’s no interference. All I did was remove that interference and their own body healed them. That’s is a huge principle, and a major distinction.

broken bones and prescribes pain killers and muscle relaxers. I did what I was told to but after a couple of weeks nothing had changed. But, there’s more… My mom first tries to convince but eventually has to force me to give her doctor a try. This new doctor does an exam, takes some films, and then ‘adjusts’ my spine and my ribs (he tells me that there’s nerve pressure on the nerves in my back). The adjustment doesn’t hurt; it actually feels good. I get relief, and shortly, I can stand straight again. Oh, did I mention that this doctor is a chiropractor? Chiropractic works so well for me, and I’m so impressed with the other ‘miracles’ I see in his office that I went to chiropractic school myself. And that’s how it happened!”

Let me tell you about Kellie, my assistant. Since kindergarten, she suffered with bad headaches and migraines. Her parents took her to specialists, who ordered CAT scans and MRI’s. They put her on powerful medications, but she still suffered. At age 25, after suffering for two decades, she started chiropractic care here, and her headaches are now Shortcoming #2- I didn’t only a rarity, and she has no reach out to as many people migraines at all. as I could. That’s going to end. I can’t be quiet about the For the last 14 years, people “principle” of chiropractic any from Wentzville and the longer. That principle is that surrounding area have come the power that made the body, to see me with their low back also heals the body, as long problems. They also come to as there’s no interference. Too me with their: many people believe that they are slaves to their genetics, • Headaches and that health is something • Migraines that happens to them. The • Chronic Pain truth is health is a process • Neck Pain that you have a great deal of • Shoulder/Arm Pain • Whiplash from car control over. accidents Shortcoming #3- After seeing • Backaches thousands of patients over • Numbness in limbs the years, I often let people • Athletic injuries just to name a few… suffer that didn’t have to. I did that by not (always) teaching my patients that chiropractic Here’s what some of your can benefit their spouses neighbors had to say: and their children. That ends “I have been able to stop today, too. taking pain medication.” Okay. So, now that you know (D.G.- Wentzville, Mo) my shortcomings, let me tell where my passion comes “No more migraines and more neck pain!” from. I’m a little kid playing in a no tree. I had a rope tied to a limb (H. B.-O’fallon) and while walking up the trunk feel better than I the rope breaks and I fall flat “I on my back. Besides getting have in a long time!” the wind knocked out of me (M. P.-Wentzville) my back feels weird. By the next day I can’t take a deep “From the very first visit I could breath without experiencing tell a dramatic improvement.” tremendous pain I was also (D. R.-Wright City) bent over and unable to stand straight up without the Tens of millions of Americans longer have health pain stabbing me in the back. no I don’t have to tell you how insurance, and those who scared I was. At ten I didn’t do have found that their have many responsibilities, I benefits are greatly reduced. was just scared I was dying That’s where chiropractic that’s how bad I hurt. My comes in. A seven-year study mom is freaked out, of course compared costs of people so she takes me to the doctor, seeing medical providers vs. he gives me the once over chiropractors. Overall the proclaims me healthy with no patients seeing chiropractors

had 60% less hospitalizations, 59% less days in the hospital, 62% less outpatient surgeries, and 85% less costs for prescription drugs. Who’s got decent health care insurance these days when deductibles can be $2,000 and higher? That’s why many good people have gotten smart, and are choosing health care that attempts to get to the causes of health problems, not just cover up symptoms with drugs. Taking care of the cause of many health problems makes good sense, and often leads to cost savings in the long run. Special Offer- Look, I know you’re smart. You want to get to the cause of your problem, and not just cover it up with drugs. So, when you are one of the first ten people to schedule a new patient exam, you will receive that exam for just $17. That’s x-rays too. No hidden fees. So call today because this offer will expire 12-15-2018. (by law, this offer excludes Medicare/Medicaid beneficiaries). Our goal is to give you the best care we can possibly give you. You’ll get great care at a great fee. My qualifications… I’m a Deans List graduate of Logan College and have taken care of newborns to Pro soccer players. I am a Wentzville native and I have lived here my whole life. I just have that low exam fee to help more people who need care. My assistant is Michelle and she is a really great person. Our office is both friendly and warm and we try our best to make you feel at home. We have a wonderful service, at an exceptional fee. Our office is called SYNERGY CHIROPRACTIC and it is at 1015 Meyer Rd. Wentzville MO 63385 Our phone number is 636-639-9660. Call Tracy or me today for an appointment. We can help you. Thank you and God Bless.

BY THE NUMBERS about 35 percent of Fortune 500 companies are family-controlled and represent the full spectrum of American companies from small business to major corporations. • The greatest part of America’s wealth lies with family-owned businesses. Family firms comprise 80 to 90 percent of all business enterprises in North America.

UNIQUE ADVANTAGES

A family-owned business can provide an intimate level of service that other businesses just can’t match. Because family-owned businesses tend to be passed down from generation to generation, chances are good that when you patronize, for example, your local butcher shop, you’ll be dealing with the same family time and again. That kind of familiarity between business and customer often makes for unparalleled service.

• Small businesses, including many family firms, employ just over half of US workers. Of 113.4 million non-farm private sector workers in 2011, small firms with fewer than 500 workers employed 55 million and large firms employed 58.4 million. Firms with fewer than 20 employees employed 20.2 million. • Research shows that family businesses are less likely to lay off employees regardless of financial performance.

SHOW YOUR SUPPORT

Given all that family-owned businesses offer, how can you show you appreciate their efforts? You don’t have to look far to find an opportunity. Consider all the goods and services you buy on a daily, weekly, monthly or annual basis. Are those businesses family owned? If not, check your local newspaper advertisements or take a walk down Main Street to discover family-owned enterprises you can support.

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25 Jiffy Street. Wentzville, MO 636-327-0420 • www.oasiskwikwash.com


BRAND AVE. STUDIOS CONTENT

FRIDAy • 11.23.2018

Shopping • Dining • Charming Inns

Kimmswick Cordially Invites You To Our Christmas Festivities!

CONSIGNMENT GALLERY

Small Business Saturday • Nov 24th 10am-5pm

Offering home decor worthy of a repeat performance...

Now 2 Stores To Serve You

The 28 Locally Owned Businesses of Kimmswick welcome you to shop with us and enjoy our 3 Restaurants. Ask about our Shop Small Specials!

Old Fashioned Christmas Festival Nov. 30th & Dec. 1st 10am-9pm, Dec. 2nd 11am-5pm

Luminaries light your way through our festively decorated Historic Village! Fri. Nov. 30th Visit with Santa 4-8pm, Carolers Stroll the Town Sat. Dec. 1st Visit with Santa 11-1 & 4-8pm Visit with Santa’s Elves 1pm-3pm, Carolers Stroll the Town Sun. Dec. 2nd Visit with Santa 11-3:00 Rivertown Sound Quartet strolling from 11:30-2:30

Elf

on thE ShElf

December 8 & 9 10:00am-5:00pm

"How many Elves can the Children Find?"

tickets $10

Kimmswick Visitor Center - 314 Market Street GOKIMMSWICK.COM • 636.464.6464

Restaurant & Bakery In Historic Kimmswick

287 Lamp & Lantern Village Town & Country, MO 63017 636-220-9092 Option 1

10821 Manchester Rd. Kirkwood, MO 63122 636-220-9092 Option 2

10% OFF

Santa’s Choice for Holiday Parties & Celebrations!

Kimmswick Old Fashioned Christmas Festival Nov. 30, Dec. 1st, Dec. 2nd Blue Owl Dining Hours Nov. 30 10am-8pm • Dec. 1st 10am-8pm Dec. 2nd 10am-5pm Reservations for Parties of 5 or more!

Let us do your Holiday Baking! Homemade Fruit & Cream Pies, Specialty Cakes, Lucious Cheesecakes, Holiday Fruitcakes, Pastries, Cookies, Candies... Decorated Chritsmtas Cookies, Holiday Pastry Trays.

Entire Purchase

Breakfast with Santa Saturday, December 15th

30% off All Holiday Decor Hours: M-F 10-6 SAT 9-6 SUN 11-4

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Now Accepting Upscale Gently Used Home Decor For Consignment. photos@encorestl.net

STEFANINA’S

Stefanina’s Pizzeria & Restaurant opened in a small strip center in O’Fallon Missouri in 1981. Along with a great staff and family members that helped in the kitchen and the dining room, Stefanina’s became THE place to go for great pizza and Italian food in O’Fallon, MO.

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SWITCH STAND TRAIN SHOP

Established in 1969, SWITCH STAND offers a great selection of O, HO, N & G Gauge Trains and accessories. Our reputation lets you know that we care about our customers and that we stand behind our products.

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9AM By Reservation

Breakfast Includes Santa & Mrs. Claus, Anna & Elsa ( from “Frozen”), Rivertown Sound Quartet, Activity Area for the Children, Decorated Christmas Cookie

Last Minute Gift Ideas... Gift Certificates (purchase $50 in gift certificates, and receive a $10 Bonus gift certificate)

Tues.-Fri. 10-3, Sat. & Sun. 10-5 www.theblueowl.com • 636-464-3128

S P E C I A L P R O M OT I O N

TIMEKEEPERS

Step back in time. Browse through a unique store dedicated to vintage watch and jewelry artisans. Timekeepers offer one-of-a-kind jewelry, timepieces including the Omega Speedmaster Moon Watch and Platinum Sapphire and Diamond Ring circa 1930s.

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ZANDER’S JEWELRY

Experience the affordable luxury of Zander’s Jewelry. With over 40 years of quality service and excellence, they will help you choose the perfect gift.

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We invite you to Discover the Beauty of Handmade Gifts from Missouri and Beyond!

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118 Market St. Kimmswick, Missouri 636.464.3360 www.mississippimudgallery.com


Friday • 11.23.2018

BraNd aVE. STUdiOS CONTENT

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#89731

$

TOTaL saVINGs $7,257

NEW RAM 1500

#89611

TOTaL saVINGs $12,920

NEW RAM 1500

35,895

#89092

TOTaL saVINGs $10,819

Everyone Qualifies Price

39,986

4 INCh MoPAR LIFT ExPRESS QUAD CAb $ MsRP $50,805 DeaLeR DIscOuNT $6,319 ReBaTe $4,500

359/Month Lease Payment $3,000 DOWN, PLUS TTL Everyone Qualifies Price

bIghoRN CREW CAb 4x4 $ MsRP $48,815 DeaLeR DIscOuNT $6,420 ReBaTe $6,500

Everyone Qualifies Price

NO Financing Required • NO Trade Required You WILL Qualify for Our Prices

176 Auto Court, o’FAllon, Il 62269 SAleS: (618) 589-8744 ServICe: (618) 641-0005 www.AuFFenberg.Com PLus Tax, TITLe & LIceNce. PLus DOc Fee.

$3,000 down, first payment due at signing, does not include ttl and acq, 10,000 miles per year, 24 mo, with approved credit. *$3,000 down, first payment due at signing, does not include ttl and acq, 10,000 miles per year, 48 mo, with approved credit. *$4,000 down, first payment due at signing, does not include ttl and acq, 10,000 miles per year, 48 mo, with approved credit.


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