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OCTOBER 2016

contents

VOL 13 | NO 10

Published monthly with newsstand circulation to Wentzville and Lake Saint Louis plus newsstands in O’Fallon, Troy, Lake Sherwood and Augusta.

Departments

Around Town Local news and events

Medical Memo Understanding a breast cancer diagnosis

Always an Adventure More mud in the mountains

Moore on Life Head scratchers

Automobile Alley 2016 Jeep Wrangler builds on its reputation of strong craftsmanship and versatility

Business Western St. Charles County Chamber of Commerce

Entertainment 2016: an excellent year for horror films

Food From easy art to a sweet treat

Photographer Ray Rockwell

Photo Op Patriot Day Ceremony

Staff Writer Brett Auten

Community Calendar: October

Publisher Robert Huneke Editor Mathew DeKinder Production Manager Rebecca Brockmann Contributors Avalanche, Robin Daniels, David Finkelstein, Tony Mathews, Cindy Moore, Noreen O’Brien, Russ Patton

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For advertising information, please contact us at:

Community News 2139 Bryan Valley Commercial Dr. O’Fallon, MO 63366 Ph: 636.379.1775 Fx: 636.379.1632

By Brett Auten

www.mycnews.com

Copyright 2015 Huneke Publications, Inc. No part of the publication may be reproduced in any form without the expressed written consent of the publisher. Crossroads is a trademark of Huneke Publications, Inc. Any published use of Crossroads implying affiliation is strictly prohibited.

Octoberfest; Wentzville style The Wentzville Octoberfest Wine and Art Festival returns as an extended, two-day event Nonprofit Profile Presbyterian Children’s Homes and Services quietly serves survivors of trauma By Noreen O’Brien

Advertiser Profile I married that redhead By Russ Patton

Qualifying for a mortgage Robin Daniels

On the Cover: Photo by Rebecca Brockmann

OCTOBER 2016 | CROSSROADS

Around Town

O’Fallon nationally ranked as one of ten “Best Cities for the Buck” The city of O’Fallon was recently rated among the ten “Best Cities for the Buck” by Military Times, which publishes monthly news magazines for U.S. military personnel and veterans. To make the comparison, Military Times looked at 581 places for median income, unemployment rates and cost of living. The organization drew from U.S. Census Bureau data and the Council for Community and Economic Research’s Cost of Living Index (COLI), with cost of living accounting for half the calculation, and median income and unemployment rates each accounting for a quarter, Military Times also separately listed O’Fallon as one of the top cities in the country for veterans. This is the second year that O’Fallon has been listed as a “best place for veterans.”

“In just about every way that a municipality can be judged, whether as a great place to live, for quality of life, affordability, jobs and public safety, O’Fallon continues to earn national attention,” said Mayor Bill Hennessy. “The O’Fallon City Council and I could not be prouder of these rankings and of our businesses, organizations, police officers and residents who continue to build our city’s reputation as one of the finest in the nation for living and raising a family. We take great pride in how our city treats our nation’s veterans. These men and women have given a large portion of their lives to protecting our freedom, and we are proud to have them call O’Fallon home.”

Schools in the Wentzville School District celebrate Patriot Day Students across the Wentzville School District participated in the annual Patriot Day Celebration to remember the lives lost on 9/11 and to honor first responders and community service providers. Both Crossroads Elementary and Heritage Intermediate held largescale events this year, while other schools observed a moment of silence and discussed the historic significance of the events on 9/11. Crossroads students visited stations that included presentations by members of the Air Force, Army, Marine Corp and Navy, as well first responders from St. Charles County Ambulance District, Wentzville Firefighters, D.A.R.E. Officers, St. Charles K-9 Unit, and Homeland Security. Crossroads has held Patriot Day celebrations every year since the one year anniversary of 9/11 and their event is intended to keep 9/11 from being just another day that students read about in a history textbook. “It is hard to believe it has been 15 years since Sept. 11, 2001. This has become a date that has been etched in the memories of nearly every American,” said Principal David Duckworth. “With that said,

our students were not even born on 9/11. Thus our Patriot Day program serves as a day to recognize, work with, and learn from everyday heroes. People who make it their life’s work to serve their community, their country and keep us safe.” The Patriot Day celebration at Heritage Intermediate included activities with the theme “Patriot Day Salute 2016” to honor the great heroes who bravely sacrificed their lives for the common good on Photo courtesy Wentzville School District Students across the Wentzville School District participated in the annual Patriot Day Celebration to remember the lives lost on 9/11 and to honor first responders and community service providers.

Sept. 11, 2001. Students and staff in red, white and blue, surrounded by first responders in uniform, formed a Remembrance Ribbon on the parking lot. “We want to take a part of our day and honor the heroes who sacrificed their lives for others on Sept. 11, 2001 and we want to honor those first responders who serve and protect us right here in our own community,” said Principal Todd Kraft.

www.pbtc.net 4

CROSSROADS | OCTOBER 2016

Around Town

Advertiser Profile:

Forrest Keeling Nursery offers food, facts and fun at annual Chestnut Roast

Submitted photo

By Nicholas Elmes Forrest Keeling Nursery, a family-owned Elsberry business founded in 1948, grows over 750,000 trees, shrubs and perennials each year. The company touts a patented Root Production Method, a growing system which produces faster-growing and hardier plants. “We also do a lot of native trees, shrubs and perennials,” said General Manager Kim Lovelace-Young, adding that they have focus on restoration of wetlands and other critical environmental areas. “Our ‘Habitat Headquarters’ provides plants for pollinators and wildlife as well as beautiful native home landscapes.” On Oct. 15, Forrest Keeling Nursery will host the Great River Road Chestnut Roast from 10 a.m. until 4 p.m., an event Lovelace-Young says has drawn as many as 1,000 people to the business. “The event is all about promoting chestnuts and other specialty crops such as pawpaws and persimmons,” she said. “We will be giving out samples of roasted chestnuts in cooperation with the Center for Agroforestry from the University of Missouri. There will also be samples of chestnut beer from Urban Chestnut Brewery, pawpaw ice cream, pawpaw bread and chestnut chili.” The event will feature a variety of music, over 25 vendors and lots of events for children, including a petting zoo, storytelling and facepainting. Adults will have a chance to participate in four educational seminars: Monarch Life Cycle and Migration, presented by Joyce Oblerle of Missourians for Monarchs at 11 a.m.; Bee Keeping, presented by Fred Meeder and Mia Armada at noon; Chestnuts and Agroforestry, presented by Dr. Gene Garrett of the Center for Agroforestry at 1 p.m.; and Pawpaws, presented by Lupe Rios of Forrest Keeling Nursery at 2 p.m. Lovelace-Young said many people did not realize that chestnuts are fruits – not nuts. “They are gluten free and can be used in many different recipes,” she added. For more information, please call Forrest Keeling Nursery at 800356-2401, visit their website at www.fknursery.com, or stop by their garden center at 88 Forrest Keeling Lane in Elsberry.

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Medical Memo

Understanding a breast cancer diagnosis Whether it’s October or not, breast cancer is one of the most recognized cancers in the world. Thanks to massive public awareness campaigns, nearly everyone understands the significance behind a pink ribbon, but how many can say they have breast cancer knowledge beyond pink? The truth is, breast cancer is extremely complex and not a one-size-fits-all disease. It’s classified into different types based on the unique biology of each tumor, including the size, whether and where it’s spread, how it looks under the microscope and what’s causing it to grow at the cellular level, according to the American Cancer Society. Understanding the various biological features is critical, as they help determine treatment decisions and directly affect patient outcomes. As breast cancer survivor Pamela Cunningham knows all too well, knowledge is power when navigating a breast cancer journey. When diagnosed with Stage II HER2-positive early breast cancer, an aggressive type of the disease, Cunningham said that while she understood there were different stages, she was shocked to discover there were so many different types. In fact, her mother had faced breast cancer several years earlier and neither Cunningham nor her father knew what kind her mother had. To better understand her diagnosis, she talked with friends who had faced similar situations and even sought a second opinion. After learning more, Cunningham felt confident in her decision to receive a treatment regimen that helped shrink her tumor prior to undergoing surgery to remove it. “I’m really thankful I went the way I did,” Cunningham said. “I would advise other women to do their own research, find out the available treatments and don’t be afraid to ask your doctor about all of your options and possible side effects.” Cunningham and her oncologist, Dr. Karen Tedesco of New York Oncology Hematology, offer the following tips to help patients more fully understand how to approach a breast cancer diagnosis. 1) Strength in Numbers: The news of a cancer diagnosis can be incredibly overwhelming to patients and their loved ones. Make the most of the first few doctor appointments by bringing a friend outside of the immediate family to ensure the information is being absorbed and the right questions are being asked. 2) Build a Support Team: In addition to family and friends, it’s important to have a strong health care and surrounding support team. Seek out nurse navigators, local breast support groups and financial assistance to ensure you’re properly informed and have all the resources you need. Do not hesitate to consider a second opinion until you feel 100 percent confident in your health care team and treatment plan. 3) Understand Your Diagnosis: Learning about your specific type of breast cancer is essential because the unique biology of your tumor can directly impact your breast cancer journey. Knowing the four S’s – stage, size, status and subtype – of your tumor can help you better understand your diagnosis and the treatment options available to you. 4) Ask Questions, Then Ask More: Consider asking your doctor the following questions: Are you eligible for clinical trials? Are there special treatments geared toward your specific type of breast cancer? Do I need surgery? Does surgery have to be the first step? Being actively involved can help ensure each patient receives the best treatment option for them. For more tips to take on a breast cancer diagnosis and to better understand the four S’s, visit gene.com.

CROSSROADS | OCTOBER 2016

Photo courtesy of Getty Images

Nonprofit Profile

quietly serves survivors of trauma By Noreen O’Brien – Manager of Communications for Presbyterian Children’s Homes and Services of Missouri Presbyterian Children’s Homes and Services opened its doors in 1914 when four ministers in Farmington, Missouri took in orphans. Today the agency, called PCHAS for short, still serves children and families who are dealing with trauma. Many of the children in the agency’s care are in the state’s custody – foster care. Last year, from St. Louis to Joplin, PCHAS managed 572 foster care cases. As Robert Giegling, Executive Director, says, “That’s equal to a whole school full of children suffering from neglect or abuse. A foster family provides a safety net for them. The PCHAS staff surround the Photo courtesy PCHAS Tyler is a participant in child and the foster Presbyterian Children’s Homes family with practi- and Services mentoring program. cal advice and loving guidance.” Giegling explains, “If the children don’t find a permanent family, they age out of the state system when they’re only 18. Between a third and a half of teens in the state’s foster care system will drop out of high school. That’s why we run transitional living houses in Springfield and Columbia. We help them with housing, counseling and support, so they go on to college or find work.” In Farmington, the agency converted the orphanage to a residential treatment center. It houses youngsters who are a danger to themselves and others. Over several months, intensive and compassionate therapy allows them to either return home or move elsewhere, such as a transitional living program.

How does life become so difficult for these children? Are there programs to prevent such sad stories? PCHAS saw the need for early intervention programs and created two of them. The first includes partnerships with several school districts around St. Louis County. “We have therapeutic mentors who meet with students, at least once a week, for a year,” Giegling says. In 2015 more than 800 children met with mentors. “Those students are less likely to get into fights or get into drugs. They handle home life better. They do better in school and are more likely to stay in school.” “The other program is family counseling to help families deal with crises that are tearing them apart – illness, unemployment, whatever. Our therapists make it convenient by going to the family home two or three times a week for three or four months. Then they follow up – six months later and a year later – to provide consistent support.” Working quietly for generations, Presbyterian Children’s Homes and Services has grown from serving a few dozen children to more than 2,000 a year. It will share inspiring success stories at a luncheon on Nov. 3 in Ballwin. For more information, call 314-989-9727 or visit missouri.pchas.org.

Presbyterian Children’s Homes and Services of Missouri is located at 220 N. Lindbergh Blvd in Creve Coeur.

OCTOBER 2016 | CROSSROADS

Always An Adventure

MORE MUD IN THE MOUNTAINS It was the middle of monsoon season and the clouds were rapidly building up in the sky. Rain soon began to fall and quickly increased in intensity. After a few minutes it became obvious that this was going to be a gully-washer, in the most literal sense of the term. I donned some rain gear and went out to check the performance of the recently completed trench drain under the road. The normally trickling creek had turned into a strong stream of muddy water, one that would have overflowed the previous culvert under the road. The new road infrastructure was functioning quite well, with ample capacity for even more flow, if necessary; or so it seemed. The rain continued to pound down and I stood by waiting for the inevitable mud flow that was sure to come. The first wave came as a rush of water and floating debris, mostly logs and brush. The solid material hit the uphill edge of the tunnel under the road, and the mass of assorted logs and branches flipped up to a near-vertical position. Water quickly backed up behind the obstruction. I went forward and grabbed the biggest log, and began to pull, hoping to clear the log jam by hand. My hopes were quickly dashed, as the next wave of water and debris came barreling down the creek. This wave was not lightweight wood and brush, but rather large rocks and boulders, carried by the force of rapidly moving water and gravity. Just like two summers ago, I turned away from the creek, and fueled by adrenaline, ran quickly down the road, perpendicular to the direction of the debris flow. This flow was a bit different than the last, as a large boulder about four feet in diameter made it to the middle of the road and settled down in what had been the direction of flow. Suddenly everything that had been flowing across the road was diverted by the new obstacle, and turned 90 degrees toward me. While the diversion took most of the velocity off the flow, the volume of muck coming down the road was quite impressive, and headed toward me. Worse, it headed straight toward my parking area and yard below. Mud and large rocks soon filled in around and under my trucks. This acted as a strainer, keeping most of the big chunks off my property, but muddy water soon flowed over my yard, and down onto two other properties below.

CROSSROADS | OCTOBER 2016

I ran back up to the road, and muscled the biggest rocks I could into the diversion of the water flow, turning the creek back down into its normal path. Then, I went back to survey the damage to our place. Several inches of muddy water covered the front yard, as well as the side and rear areas. My pickups were buried up to their doors. Our dog was standing on the front porch, looking rather distressed (much like her owner,) as her favorite spot under the porch was now submerged under several inches of muck. A couple hours of excavation with heavy equipment and then more time spent winching rocks out from under the trucks freed them from their muddy prison. No damage, no dents, no scratches; just lots of mud packed into the nooks and crannies of the undercarriages. Mrs. Avalanche’s tiered front yard, flower and vegetable gardens were in Photo by Avalanche shambles, but the zucchinis were still harvestable. The strawberries didn’t fare so well. There was no structural damage anywhere, but what a mess. The local excavator hauled a baker’s dozen worth of dump truck loads of debris from the roadway. New tall, protective berms now adorn our property along the roadway. Had the previous owner built them - as recommended by an engineer, unbeknownst to us this would have been a small cleanup on our part. Keeping things in perspective, 1,000 homes were destroyed by flood in Louisiana, and over 300 people were killed by earthquake in Italy during the same week. We just had a big mess. Running machinery to fix the mess rekindled in me an affinity for turbocharged horsepower. Now I’m shopping for a skid-steer loader, which I hope to not need anytime soon. BY AVALANCHE

Avalanche is a functional illiterate who left the St. Louis area three decades ago in search of adventure. He enjoys motorcycling and all things outdoors. He lives with his wife and dogs.

Moore On Life

HEAD SCRATCHERS

There are certain important questions I want to ask the Great Maker if I am fortunate enough to enter the Pearly Gates. Number one, is there really a Bigfoot? If so, how has he remained hidden away all these years and not been found? Hands down the best hide and seek competitor ever. With all the cell phones everywhere you’d think there would be oodles of selfies with him floating around on social media (not counting the unfortunate people who actually look like yetis). I want to know where he’s been hiding. It’s definitely a place no one would ever think of; a place no human has ever set foot in before; a place that no doubt, brings terror and dread and extreme anxiety. Why do I have a strong hunch that he’s been holed up in my kitchen the entire time? Next, mosquitoes? I don’t want to seem so

bold as to accuse the Great One of making a gigantic, colossal mistake…but, seriously?! After contemplating an eternity in damnation and hellfire gnashing my teeth, it has come to my attention that those cute, tiny butterfly vampires are nothing but adorable! I’ll never slap another one so help me! Continuing on, what’s with the extra body parts? For instance, wisdom teeth? They don’t provide any additional intelligence. It seems their only function is to fund Caribbean cruises for dentists. And how about that little dangly thing hanging from the back of our throats–it’s a major gross out. It looks like a deformed appendix. And speaking of…what’s the point of that thingy? If there needed to be another odd body organ randomly tossed in, how about a spare part that could actually provide a purpose, say

an additional kidney. They’re such popular organs and always in demand. An auxiliary one could serve as a nice little fleshy savings account what with the rising cost of college. When the kids’ tuition comes due, snip it out and boom! Paid in full. Then lastly and most importantly, why were rats allowed to survive the great flood? They are nasty, repulsive creatures, which bring down communities and spread garbage. Does He even realize how much havoc those politicians have created in the world today? I would have much preferred unicorns or even dragons. Just sayin’. BY CINDY MOORE

Cindy Moore is the mother of three superlative kids, servant of two self-indulgent felines and wife to one nifty husband. Her ficticious occupation? Archeological Humorist: someone who unearths absurdity and hilarity in strange and unusual places including public restrooms, the lint filter, and church meetings. Most recently, she excavated a find in her neighbor’s bird feeder.

OCTOBER 2016 | CROSSROADS

OCTOBERFEST; WENTZVILLE STYLE The Wentzville Octoberfest Wine and Art Festival returns as an extended, two-day event By Brett Auten The first was such a roaring success, they decided to double their ante. The Wentzville Octoberfest Wine and Art Festival has been extended to a two-day showcase when it arrives on the streets of Wentzville’s Historic Downtown Village Center. The event is slated for Oct. 8 and 9, the festival will run from 11 a.m. - 8 p.m. each day. The crowd-pleasing wine, craft beer and spirits tasting tent will be open and running all weekend for a plethora of flavorful experiences not normally found in one location, showcasing the best of the region’s tastiest beverages. Along with the food and drink, more than 100 fine art and craft vendors will fill the Village Center’s Historic Main Street with original artwork and unique handcrafted exhibits. The best of the best will be at the juried art display sponsored by the Crossroads Arts Council. Cash prizes will be awarded to winning artists. “We experienced huge success last year,” Angel Magasano, of the Wentzville Downtown Business Association, said. “But the main drive to make this a multi-day event came from the request of our art vendors.”

CROSSROADS | OCTOBER 2016

Magasano estimated 5,000 attended last year’s event with expectations of 12,000 to come through Wentzville for this year’s occasion. “The festival will have a community feel to it but at the same time an outof-the-box art festival tinge to it,” Magasano added. As far as live entertainment, three stages will feature all kinds - musical acts, fine art demonstrations, and dancers. You will have everything from Chain Saw Carving by Dylan Hunt to the Funky Butt Brass Band, a fashion show, tae kwon do demonstrations, and school bands performances. “We changed our entertainment model,” Magasano said. “We took away the main stage and have three stages over a six-block stretch.” The children’s village will offer bounce houses, autumn themed activities and games for the kiddos. This is a rain or shine event. All ticket sales are non-refundable. There are no pets, coolers, or outside food or beverages. Single tickets to the tasting tent are available for $20. For those looking for more bang for their buck, VIP tickets can be purchased in advance. Prices for those are $50 for one-day VIP passes and $85 for two-day VIP passes. What comes with the VIP ticket? Those who do partake will have admittance to the restricted VIP section located near the tasting tent, a dedicated VIP bar with unlimited wine and Budweiser products, one VIP dinner provided by Yo! Salsa Taqueria, one ticket to the wine and beer Tasting Tent ($20 value), a souvenir wine glass and wine tote, and access to dedicated private bathroom facilities. Groups can get in on VIP action as one-day group tickets may be purchased in advance for $380 and two-day group VIP tickets can be purchased in advance for $750. Each group VIP ticket reserves a table of eight. The Wentzville Octoberfest Wine and Art Festival is another example of how the city of Wentzville has been dedicated and determined over the last handful of years to provide multiple avenues for people to experience downtown. “We want to keep people coming back after the festival and patronize all that is down here to enjoy,” Magasano said. “The city of Wentzville has taken an active role in bringing people to downtown and to the businesses that are downtown.” Magasano and her team began working on this year’s Octoberfest in May and based on the success of last year, it was not a problem confirming vendors for this go-around. For more information visit www.wentzvilleoctoberfest.com or contact the Wentzville Downtown Business Association at 314-503-0823. Submitted photos. Photos from the 2015 Wentville Octoberfest.

OCTOBER 2016 | CROSSROADS

Automobile Alley

2016 Jeep Wrangler builds on its reputation of strong craftsmanship and versatility Positioned as a two-door sport utility vehicle and classified as a multipurpose vehicle by the EPA, the four passenger, 2016 Jeep Wrangler is an authentic ”go anywhere” SUV. It’s built on 75 years of legendary and notable heritage. With class-leading capability, craftsmanship and underlining versatility, Wrangler is focused towards people who seek extraordinary journeys and active lifestyles. The iconic Jeep Wrangler is one of the most recognized vehicles in the world. To further help define the Jeep Wrangler, it’s a one-of-a-kind combination of openair freedom, off-road proficiency and on-road refinement. This combination has brought Wrangler’s popularity and global footprint to an all-time high. The factory has added some new additions for the ’16 model year that will likely keep this momentum in the forefront for years to come. For instance, they now offer their Wrangler Black Bear Edition. It was named after the notorious Black Bear trail located in Telluride, Colorado. The Black Bear Edition adds special content to the exterior and interior resulting in a distinctive on and off-road appearance. Additionally the Rubicon Hard Rock Edition, first made available in 2015, carries forward the capability-enhancing features of the Rubicon model while including a nine-speaker Premium Alpine high-end audio system. It’s all coupled with a Low Gloss Black grille with High Gloss Black inserts. The two-tone contrast gives off a distinctive look overall. Returning for 2016, the Jeep Wrangler Freedom Edition offers value to customers with unique exterior and interior appointments. For each Wrangler Freedom Edition sold, Jeep will support the United Service Organizations Inc. (USO) as part of the Jeep Operation Safe Return initiative. Yet another version is their Wrangler Willys Wheeler model. It’s designed to pay homage to their earlier civilian Jeep vehicles with additional off-road hardware for increased backwoods or unpaved-road type capability. The Wheeler also has unique outer-body markings to help set this version apart from other models of Wrangler. Their unmatched and well-engineered four-wheel drive system is produced with more than seven decades of 4X4 experience. Wrangler continues to offer a body-on-frame “later type” strong underside architecture. Additionally, the suspension system is a five-link design linked with electronic wheel lockers. Furthermore, it’s one of the few SUVs in this specialty category that offers a six-speed manual gear-

CROSSROADS | OCTOBER 2016

box, besides a five-speed automatic transmission. Additionally, it also has a safe-towing capability of up to 3,500 pounds. That number helps add to its adaptability. Wrangler’s interior combines unique styling that hinges a bit on being rugged. The level of comfort and intuitive features is well suited for an SUV such as this. Under the hood is a 3.6-liter Pentastar V-6 engine. It’s developed to operate on regular 87 grade octane fuel. It produces 285 horsepower and 260 lb.-ft. of torque. It is engineered to provide a broad torque band which is ideal for extreme off-roading. The EPA numbers show 17-MPG city and 21-MPG highway (as an average); however, it depends on a lot of variables. With what appears to be an endless list of personalized accessories, pricing starts out at $23,895 for Wrangler and all models are manufactured at their plant located in Toledo, Ohio. BY DAVID FINKELSTEIN

David Finkelstein is a Master/Skill Automotive Service Technician, maintaining that role for over 45 years, coupled with being a shop owner in that time frame as well. He’s also invented a number of garage service tools for mechanics and has served on both National as well as local Automotive Trade Industry Boards. Additionally, he pioneered “Car Talk Radio” over 40 years ago, starting out with KMOX/CBS Radio as well as hosted “Auto Talk” on KFTK/FOX News Radio for some 15-years. David tests and evaluates new vehicles weekly and also does some consulting with various auto manufacturers, both import as well as with domestic nameplates.

Business

WESTERN ST. CHARLES COUNTY CHAMBER OF COMMERCE Serving Wentzville, Lake St. Louis, and Dardenne Prairie

Chamber hosts four ribbon cutting ceremonies

Chamber Night at the Races promises fun and excitement

The Western St. Charles County Chamber of Commerce hosted four ribbon cutting ceremonies for The Way Church, Blue Soul Studio, The Pretty Pelikan, and Investors Title Company.

The Western St. Charles County Chamber of Commerce is excited to bring you the first Chamber Night at the Races. This fun and exciting event will take place on Oct. 14 at 18 North Central in O’Fallon. This event brings together the excitement of horse racing and the fun of a casino night. Participants will have the opportunity to place bets on ten exciting horse races throughout the evening. Dice are rolled for each race and the horse matching the number rolled is moved down a series of pegs until a winner is crowned. Get a group together to cheer on your favorite horses. Tickets are only $20. Price includes appetizers, desserts, drink tickets, prizes, and raffles. 18 North Central is located at 18 North Central in O’Fallon. Doors open at 6:30 p.m. and the races will begin at 7 p.m. For more information please contact the WSCC Chamber at 636-327-6914 or visit us online at http://westernstcharlescountychamber.com.

1. The Way Church is located at 1404 W. Meyer Rd. in Wentzville. You can reach them at 636-3440604 or online at www.livingdifferently.org. 2. Blue Soul Studio is located at 807 East Pearce Blvd. in Wentzville. You can reach them at 636-8569089 or check them out on Facebook. 3. The Pretty Pelikan’s Mobile Fashion Boutique is now open! You can check out where the boutique is stopping at each day by calling 314-783-6243 or online at http://prettypelikan. com. 4. Investors Title Company is located at 1810 Wentzville Parkway in Wentzville. You can reach them at 636-887-8331 or online at www.investorstitle.com.

The Western St. Charles County Chamber of Commerce serves Dardenne Prairie, Lake St. Louis, and Wentzville. The chamber is comprised of over 685 members. If you are inter4 ested in having a ribbon cutting at your place of business please contact the chamber. To view pictures and video of these recent ribbon cuttings please visit the chamber Facebook page. For more information please call the chamber office at 636-3276914 or visit the chamber online at http://westernstcharlescountychamber.com.

Chamber Mystery Dinner Theater set for November The Western St. Charles County Chamber of Commerce is hosting their Sixth Annual Mystery Dinner Theater on Nov. 4 and Nov. 5. The cast will be performing – “Alice in Zombieland,” by Craig Sodaro. The event will be held at the Andrews Academy located at 1701 Feise Road in Lake St. Louis. Doors open at 6:30 p.m. and the play starts at 7 p.m. Admission is $35 per person. Admission includes dinner, wine, beer, tea, soda, dessert and a wonderful play. For reservations contact the Western St. Charles County Chamber of Commerce at 636-327-6914 or please visit them online at http://westernstcharlescountychamber.com. Seating is limited, so please make your reservations early because tickets sell out fast. BY TONY MATHEWS

Tony Mathews is the President and CEO of the Western St. Charles County Chamber of Commerce

For more on any of this information or the chamber in general, please call the chamber office at 636.327.6914 or visit the website http://westernstcharlescountychamber.com. Located at 207 South Linn Avenue in Wentzville.

OCTOBER 2016 | CROSSROADS

Advertiser Profiles

Qualifying mortgage for

Customers call or stop by my office and often ask “How do I know if I will qualify for a loan?” While each individual situation is unique, there are three main factors that are evaluated and used to determine whether or not a bank extends financing to an individual: credit score, debt to income ratio, and affordability of the property/down payment. Credit Score: Your credit score is made up of information pulled from your credit report. A formula is then used to calculate a number ranging from 350 to 850 using the following information: • Payment history: Your account payment information, including any delinquencies and public records. • Amounts owed: How much you owe on your accounts. The amount of available credit you’re using on revolving accounts is heavily weighted. • Length of credit history: How long ago you opened accounts and time since account activity.

• Types of credit used: The mix of accounts you have, such as revolving and installment. • New credit: Your pursuit of new credit, including credit inquiries and number of recently opened accounts. Federal law mandates a customer’s right to a free credit report annually, but not a free credit score. You can request a free credit report, and use that information to estimate a potential score, by visiting www.annualcreditreport.com. Debt to Income Ratio: Your credit report can also help you determine your debt to income ratio, another factor used when qualifying customers for a loan. The debt to income ratio ensures that the borrower has enough income to cover their existing debt payments as well as the added expense of the new loan. As a rule of thumb, you debt to income ratio should not exceed 43 percent. In other words, all your annual debt expenses should not make up more than 43 percent of your annual income. If your ratio is above the suggested benchmark, it’s recommended that you try to pay off some of your existing debt. A great place for information on ways to pay off and manage existing debt can be found at www.consumer.ftc.gov. Affordability of the Property/Down Payment: When determining whether or not a customer will qualify for a loan, the availability of down payment funds and overall cost of the house are also evaluated. The purchase price of the house determines the down payment, the amount paid out of pocket. You can often lower your monthly payment or afford a more expensive home by putting more money down. If the down payment amount is less than 20 percent of the purchase price, then you may have to purchase private mortgage insurance (PMI), which is an added cost. The affordability of a property is important to keep in mind when shopping for a new home because credit score and debt to income ratio won’t qualify you for an expensive house on their own. While your credit score, debit to income ratio and affordability of the property/down payment are all evaluated when applying for a loan, each lending situation is unique. It’s important to have open communication with a knowledgeable loan officer to help guide you through this process. BY ROBIN DANIELS

Robin Daniels is Asst VP/Secondary Market Manager for Peoples Bank & Trust Co. NMLS #408454 | (636) 290-7272 | www.pbtc.net

www.byerlyrv.com 14

CROSSROADS | OCTOBER 2016

Advertiser Profiles

I married that redhead By Russ Patton, owner of Byerly RV

hile I was getting educated at Washington University I met a young redhead who said her family had bought a Byerly trailer. It turned out to be an original that Walter Byerly built in 1954. I had a 1951 Studebaker. I married that redhead and soon afterward Adrienne and I set out for a three-week adventure through the western states. Our decision to begin heading south on I-44 would be regretted later. The trip was unforgettable, although sometimes challenging. In the desert we had to operate the heater to keep the car from overheating. Unfortunately for Adrienne, the Studebaker heater consists of a “radiator” below the front seats. She retreated to be back seat. The trailer brakes were a lifesaver, but our venture into downtown San Francisco was harrowing without the trailer. I was constantly readjusting the brakes. Highlights included watching hot air balloons practicing for the upcoming event in Albuquerque, New Mexico, driving the Pacific coast highway from San Clemente to San Francisco, enjoying beautiful Oak Creek Canyon, and visiting friends and relatives along the way. We barely made it over the mountains before the October snows closed the passes. The ride home was harrowing. A blizzard followed us through most of Kansas, but we ploughed on because we didn’t want to stop in the middle of it. It all started in a Byerly RV. Why not see what you can get started in an RV from Byerly RV in Eureka? You can see the original Byerly

at our location. Our retro-RV was a bit primitive. New RVs let you enjoy the comforts of home or any hotel lodging. Byerly in Eureka is celebrating 68 years as one of the Midwest’s oldest and largest RV Dealers. Visit us at www.byerlyrv.com.

Wentzville EDC Business Spotlight

Missouri Retirement Specialist is located along Meyer Road at 215 Creekside Office Dr. The business is owned by Craig North who grewup in the area, moved to Texas for 30 years, and returned to Wentzville to open his business in 2010. The business provides professional retirement planning. Craig located his business in Wentzville because of its growth and close proximity to his home. The business offers a variety of services including social security timing and maximization, medicare assistance, and indexed annuities. Craig hopes to expand the business and appreciates the variety of goods and services readily available in the community. Get more information at missourirs.com.

OCTOBER 2016 | CROSSROADS

Entertainment

horror films 2016: an excellent year for

“The Witch”

Earning over seven times its budget at the box office – and that’s just domestically – this low-budget thriller looks and has the chops of a major studio film. If you ever wanted to experience a story as if you’ve never seen (or even heard of) a witch before – this is that film. The atmosphere is perfectly eerie (as we’re transported back to 1630’s New England) and the story takes its time to evolve – and that’s a big reason why it’s works. It’s built as a classic slow-burner. Robert Eggers took home the Directing Award at the 2015 Sundance Film Festival. It made a star out of the young lead, Anya Taylor-Joy, who will now star opposite James McAvoy in the new thriller we mentioned last month, “Split.”

Horror movies are tricky to make… especially the good ones. It’s typical for films in this genre to get bad reviews from critics (at least). In most cases, the few that do rise above the bad are made on a limited budget. In order of release dates, here are a few that I recommend that opened this year – also with a ‘certified fresh’ Rotten Tomato rating…

“Fright Night” remake) and Patrick Stewart as the neo-Nazi villain. The entire cast is experienced and terrific – with performances as real as they can possible be in movies like this. The reactions you see on screen (especially Yelchin’s and Poots’) are dead-on the best. Stewart’s character is the owner of a secluded skinhead bar in Oregon. Those that work the bar hold a struggling rock band hostage after one of the members unintentionally witnesses a horrible crime. When the brutal fight for survival begins, so does the disturbing (but realistic) violence. It only happens when it’s called for – never reaching the point of glorification either. This carefully crafted thriller is a must watch for horror fans out there – not to mention the loyal fans of Patrick Stewart and the late Anton Yelchin.

“The Conjuring 2”

“Green Room”

No ghosts or supernatural activity in this film… just people. This film is my personal favorite on this list simply because of its practicality. It’s rare when you never question characters’ actions when things go south. The cast is lead by Anton Yelchin, Imogen Poots (Yelchin’s previous costar of the awesome

CROSSROADS | OCTOBER 2016

This sequel was this summer’s big studio blockbuster of the bunch. While the first “Conjuring” was based on the real case files of the Warren’s that we didn’t know much about, the sequel takes on the true case files that were the most documented. It should have been called “The Conjuring 2: The Enfield Poltergeist” since that’s what would’ve drawn even more attention (in my opinion). People historically called it ‘the Amityville of England’ and just like how the Annabel doll case served as the prologue for the first “Conjuring,” take a good guess on what popular case in Long Island served as the prologue for “The Conjuring 2.” It’s a nice little throwback bonus. Overall, the film did its scary job very

well preventing itself from ever becoming just another bad horror sequel.

“Don’t Breathe”

This runaway hit proved to be the best summer closer in many years. Like “Green Room,” this movie is all about real people and the suspense. For a long time though, you really can’t identify the real villain(s). A blind man (Stephen Lang) as the man to fear when burglars recklessly break into his home to steel a big load of cash proved to be a genius of a simple plot. In order for you to believe it, you have to see it for yourself and experience how the pieces of the suspense are cleverly put together – the practical choices of the characters (particularly played by, Jane Levy and Dylan Minnette) are very close to the brilliance of “Green Room.” There’s also a disturbing twist (quickly becoming a new classic by word of mouth) that lurks underneath the film’s story. If you haven’t heard what it is yet… well, just be prepared to never look at a certain kitchen utensil the same again – ever! If this movie still happens to be in theaters this month – see it while you can. “The Witch” photo courtesy Rooks Nest Entertainment; “Green Room” photo courtesy Broad Green Pictures; “The Conjuring 2” photo courtesy New Line Cinema; “Don’t Breathe” photo courtesy Stage 6 Films

BY BRIAN GUERRERO

Brian Guerrero is a former resident of Los Angeles and a current resident of New York City with extensive experience in front of and behind the camera for film and television.

For the Love of Food Spooky, silly or symbolic, carved pumpkins are an essential ingredient to any Halloween celebration. This year, scare up some special fun for your party with a wicked watermelon carving, instead – but don’t stop there. After crafting your watermelon into an artful mummy, take advantage of the healthy, immune-system supporting qualities of the lycopene leader among fresh produce. At 92 percent water, as well as an excellent source of vitamins A and C, watermelon is a hydrating postart snack. Carving a creative design into a watermelon is a simple way to kick off the festivities and requires only a handful of common tools. Add a twinkling candle to make a fantastically frightful centerpiece. Or fill it with a fresh fruit salad or salsas for a more functional, practical approach. Even if you’re planning on a hollowed-out carving, keep the sweet juicy fruit and make it a healthy addition to your Halloween party menu with a recipe that puts to use all your carving leftovers. To take advantage of all a watermelon has to offer – outside of the fun carving – try Frosted, Frozen Watermelon Balls or Kids Watermelon Pizza Supreme. These fun, simple recipes make it easy to incorporate a healthy snack after all your hard work carving up a Halloween masterpiece. Find more recipes, carving patterns and inspiration at watermelon.org.

FROM EASY ART TO A

Sweet Treat Mummy Supplies and Tools: Ingredients: Seedless watermelon Small bowl Dry erase marker Paring knife Melon baller Assorted peelers Cheesecloth Straight pin Battery-operated candle or light Candy eyeballs or blueberries Directions: Wash watermelon under cool running water and pat dry. Place watermelon on its side and use kitchen knife

to cut off 1/4-inch to 1/2inch from bottom (end opposite stem), being careful not to cut too deep into white part of rind. Cut 1/2-inch to 3/4-inch from stem end to create opening large enough to fit small bowl. Using dry erase marker, draw eyes, nose and mouth, along with wavy slits around carving to let more light flow through. Use paring knife to cut out design, being sure to cut through to red fruit. Use melon baller to hollow

Kids Watermelon Pizza Supreme Ingredients: 1 watermelon slice (810 inches around and 1-inch thick), drained 1 cup strawberry preserves 1/2 cup white chocolate chips 1/2 cup raisins 1/2 cup chopped walnuts 1 cup sweetened shredded coconuts

Directions: Using melon baller, scoop out 35-40 small watermelon balls. Place on paper

Peel green rind off outside of watermelon. Wrap thin strips of cheesecloth around mummy carving and secure with straight pin, if needed. Put battery-operated candle or light into carving. Fit small bowl into top of carving and trim away excess rind to make bowl fit securely. Fill bowl with melon balls and attach candy or blueberries to make eyes.

Servings: 6

Directions: Place watermelon slice on serving platter and cut into 6 wedges, leaving in shape of pizza. Spread preserves over watermelon and sprinkle chocolate chips, raisins, walnuts and coconut.

Frosted, Frozen Watermelon Balls Ingredients: 1 small watermelon 1 package (3 ounces) watermelon or other red flavor gelatin dessert

out inside of watermelon. Use scoop to remove excess watermelon.

Servings: 35-40

towels and set aside. Pour gelatin into shallow bowl. One-by-one, gently drop watermelon balls into bowl, roll around, take out and place on plate covered with paper towel. Repeat until all gelatin is used. Place plate of frosted wa-

termelon balls in freezer. Allow at least 2 hours to make sure they are completely frozen. Remove from freezer and let sit a few minutes before eating. Note: To serve with toothpicks, place toothpicks in before freezing to aid in serving.

OCTOBER 2016 | CROSSROADS

Photo Op

Patriot Day Ceremony

Photographer Ray Rockwell attended the O’Fallon Patriot Day Ceremony to honor first responders and remember the victims of the terrorist attacks of Sept. 11, 2001. The event was moved indoors because of the rain. The Star Spangled Banner was sung by Sophia Kluba and Lindsey Peters of St. Dominic High School, the invocation was performed by Pastor Dan McFarland and the opening remarks from O’Fallon Mayor Bill Hennessy were followed by keynote speaker Chief Roy Joachimstaler of the O’Fallon Police Department. The event closed with the laying of a ceremonial wreath. PHOTOS BY RAY ROCKWELL

CROSSROADS | OCTOBER 2016

Community Calendar

October

2 – Sausage and Turkey Dinner Friedens Peace United Church of Christ invites you to their sausage and turkey from 12 to 6 p.m. Also new this time, homemade apple sauce and, if berries cooperate, cranberry relish. The dinner includes kraut, green beans, mashed potatoes and gravy, homemade bread, a dessert and beverage. All that for just $11. Friedens Peace is located at 3560 Mill Street in New Melle. Call 636-828-5980 today to reserve sausage and apple butter to take home. Come and check out Plowsharing Crafts as well. 3 – Golf Tournament The Cottleville/Weldon Spring Chamber of Commerce and Shoes & Hope will be hosting their First Annual Golftoberfest. The golf outing will be held at Old Hickory Golf Club at 1 Dye Club Drive in St. Peters. This event is open to the public. Registration is at 9 a.m. and shotgun start is at 10 a.m. Cost is $125 per person. Call Christy at 314-583-0538 or go online to register at http://www.planmygolfevent. com/28878-Golftoberfest_2016/. Registration includes 18 holes of golf with cart and drinks on the course. There will be grill stations for lunch as well as heavy appetizers at the awards reception following golf. Goodie bags provided with great donations from Cottleville and Weldon Spring businesses. Golf outing proceeds to benefit the missions of both Shoes & Hope and the Cottleville/Weldon Spring Chamber of Commerce. 9 – Fire Prevention Muster O’Fallon Fire Protection District Fire Prevention Muster takes place in the Kohl’s parking lot in O’Fallon from 10 a.m. - 2 p.m. 10 – Columbus Day 13 – U.S. Navy Birthday 17 – Boss’ Day 29 – Community Festival Halo-Wing in the Park will take place at Blvd. Park in Lake St. Louis from 6:30 - 8:30 p.m. Light up your world at this free community event. Enjoy games, prizes, four-by-six photo for the kids, popcorn, cocoa and live gospel music Also drawing for one girl’s and one boy’s razor bike. There will also be an audience “Candle Lighting” (candles provided). For more information visit Facebook.com/halowinginthepark. 31 – Halloween OCTOBER 2016 | CROSSROADS

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