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Many in the media and in politics have gone ballistic over the fact that Texas Gov. Rick Perry called Social Security “a Ponzi scheme.”

Although many act shocked, as if Rick Perry had said something unthinkable, Gov. Perry is not even among the first thousand people to call Social Security a Ponzi scheme. Not only conservatives, but even some liberals, have been calling Social Security a Ponzi scheme for decades.

Moreover, neither the media nor the politicians who are carrying on over the use of the words “Ponzi scheme” show the slightest interest in any hard facts that would tell us whether Social Security is or is not a Ponzi scheme. It is a “gotcha” moment, and that is apparently what some people live for.

What makes this nonsense become fraud is the insinuation that calling Social Secu-rity a Ponzi scheme means advocating that people who are depending on Social Secu-rity be abandoned and left with nothing to live on in their retirement years. That is the big scare – and the big lie.

People getting Social Security checks are going to keep on getting those checks. Nobody has advocated anything else, or would dare to cut off a financial lifeline for millions of people.

What is at issue is the particular mecha-nism through which people can be pro-vided for in their retirement years. Some politicians loudly proclaim that they want to “save Social Security.” But programs exist for people – and it is the people who should be saved.

Whether or not the checks that retirees continue to get say “Social Security” is beside the point. The point is that they keep on getting the money they need to live on, whether that money comes from a different institution or from Social Security.

The fundamental problem of Social Secu-rity is that the irresponsible way its finances are set up, and the changing demographics of the country, mean that there is simply not going to be enough money in its trust fund to pay today’s young people what they are legally entitled to when the time comes for them to retire.

The money is just not there, some of it having been spent for unrelated purposes. Making up a growing shortfall, as baby boomers stop paying into the system as they retire and start drawing money out of

the system, would mean ever-increasing burdens on the taxpayers that the taxpayers are unlikely to put up with.

Social Security worked fine when the small generation from the 1930s received pensions from the money being paid in by the larger and more prosperous “baby boom” generation that followed. It worked fine when the average life expectancy of the first generation was not long enough for most of them to collect Social Security checks for more than a few years – if at all.

Declining birth rates and greatly increas-ing life spans have created havoc with Social Security’s finances, which are based on having the first generation’s pensions paid with money collected from the second generation – and the second generation’s pensions paid by the next generation, etc.

Any private financial scheme set up in a similar way would be illegal. That is why Charles Ponzi went to prison.

The politically expedient way of deal-ing with the situation is to “save Social Security” with short-term fixes that kick the ever-growing shortfall down the road for some later Congress to deal with – or to be overwhelmed by, when voters refuse to pay ruinous tax increases to keep the system going.

Another way to deal with the problem is to give younger workers the option to set up privately-owned retirement accounts instead. These accounts would be beyond the reach of politicians, and based on each generation setting aside money for its own retirement. Studies have shown that private accounts would pay retirees far better than Social Security.

Meanwhile, people currently depending on Social Security can continue to get what they were promised, even if that requires taxpayer subsidies for the current genera-tion of retirees – as distinguished from sub-sidizing unending generations to come.

These are the kinds of options that need serious discussions, instead of “gotcha” sound bites. Sound bites are usually not very sound, and they are an irresponsible way to discuss serious issues.

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Tired at 76

To the editor:I’m 76 . Except for a brief period in the

‘50s when I was doing my college stiff, I’ve worked hard since I was 14. Except for some serious health challenges, for most of those years I had two jobs. I put in 50-hour weeks and didn’t call in sick in nearly 48 years. I made a reasonable income, but I didn’t inherit my job or my income, and I worked to get where I am. Given the economy, it looks as though retirement was a bad idea, and I’m tired. Very tired. I’m tired of being told that I have to “spread the wealth” to people who don’t have my work ethic. I’m tired of being told the government will take the money I earned, by force if necessary, and give it to people too lazy to earn it. I’m tired of being told that Islam is a “Reli-gion of Peace,” when every day I can read dozens of stories of Muslim men killing their sisters, wives and daughters for their family “honor”; of Muslims rioting over some slight offense; of Muslims murder-ing Christians and Jews because they aren’t “believers”; of Muslims burning schools for girls; of Muslims stoning teen-age rape victims to death for “adultery”; of Muslims mutilating the genitals of little girls; all in the name of Allah, because the Qur’an and Shari’a law tells them to. I’m tired of being told that out of “toler-ance for other cultures” we must let Saudi Arabia and other Arab countries use our oil money to fund mosques and mandrassa Islamic schools to preach hate in Austra-lia, New Zealand, the UK, America and Canada, while no one from these countries are allowed to fund a church, synagogue or religious school in Saudi Arabia or any other Arab country to teach love and tolerance. I’m tired of being told I must lower my living standard to fight global warming, which no one is allowed to debate.

I’m tired of being told that drug addicts have a disease, and I must help support and treat them, and pay for the damage they do. Did a giant germ rush out of a dark alley, grab them, and stuff white powder up their noses or stick a needle in their arm while they tried to fight it off? I’m tired of hearing wealthy athletes, entertainers and politicians of all parties talking about innocent mistakes, stupid mistakes or youthful mistakes, when we all know they think their only mistake was getting caught. I’m tired of people with a sense of entitlement, rich or poor. I’m really tired of people who don’t take responsibility for their lives and actions. I’m tired of hearing them

blame the government, or discrimina-tion or big-whatever for their problems. Yes, I’m tired. But I’m also glad to be 76. Because, mostly, I’m not going to have to see the world these people are making. I’m just sorry for my grandkids and their children.

Thomas BrownSt. Peters

Do the mathTo the editor:

Raising capital gains rates affects not only the wealthy but everyone who has investment income. If you have an IRA, 401K, pension, mutual fund or any other investment – it will affect you. Raising capital gains tax rates means your retire-ment fund will not have as big a nest egg for you when you retire. That’s not the fat cats being hurt… it’s you, or it’s your par-ents. It’s the guy who worked hard all his life and seeks to retire and live on the fruits of his labor.

The mantra of the left is that no matter how much the wealthy pay, they aren’t paying their fair share. The upper income earners do pay the lions share, shoulder-ing on the order of 70 percent of the total tax burden while half of America has no income tax liability and a goodly portion reap a refund they didn’t pay into via refundable credits – meaning that even if they paid in nothing at all they can still get a refund.

According to the latest government fig-ures, the earnings total of all people in the USA was around $7.8 trillion a year.

Government already spends about half of that, with our $3.5 trillion budget.

Obama and company want to raise that level to $5 trillion, with the $1.5 trillion new spending he’s proposing. So, more than 5/8th of all money goes through gov-ernment hands?

They scoffed when conservatives warned that the left sought to take over the entire economy. They laughed when we warned that the move toward government healthcare was a takeover of 1/6 of the economy. They ignored when the govern-ment “nationalized” 2/3 of our auto indus-try and threatened to “socialize... er... er... take over” the oil industry. But here you go. Government now passes almost half of all money in the economy through its hands... and Obama’s shooting for over 60 percent.

And, of course, the “wealthy” are sup-posed to foot the bill/ Obama says that’s not Class Warfare but it’s math.

Doug EdelmanSt. Peters

4 I OPINION I SEPTEMBER 28, 2011MID RIVERS NEWSMAGAZINE

l e T T e r S T o T h e e d I T o r

NEWSMAGAZINENETWORK.COM

Mid Rivers Newsmagazine is published 25 times per year by 21 Publishing LLC. It is direct-mailed to more than 61,000 households in St. Charles County. Products and services advertised are not necessarily endorsed by Mid Riverts Newsmagazine and views expressed in editorial copy are not necessarily those of Mid Rivers Newsmagazine. No part of Mid Rivers Newsmagazine may be reproduced in any form without prior written consent from Mid Rivers Newsmagazine. All letters addressed to Mid Rivers Newsmagazine or its editor are assumed to be intended for publication and are subject to editing for content and length. Mid Rivers Newsmagazine reserves the right to refuse any advertisement or editorial submission. © Copyright 2011.

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8 I NEWS I SEPTEMBER 28, 2011MID RIVERS NEWSMAGAZINE

O’FallOnCome out and play!

Children of all ages and abilities are invited to play at a brand new park in O’Fallon this fall.

Brendan’s Playground will open to the public with a grand opening celebration at 3 p.m. on Sat., Oct. 1 in Paul A. Westhoff Park in O’Fallon. The newly-completed, all-inclusive playground’s colorful equip-ment allows kids of all abilities to play together.

The playground was named for Brendan Schmitt, a Westhoff Elementary School student who suffers from a rare genetic disease, Thompson Syndrome. Because of the effects of the disease, he has difficulty using traditional playground equipment, but should have no trouble playing with friends and family at O’Fallon’s newest playground.

“Brendan’s Playground is a dream come true for families with disabled children, because now kids of all abilities can play together, including brothers and sisters, too,” said O’Fallon Mayor Bill Hennessy. “This unique playground will be a popular destination for all kids, because the kids are going to find that this is truly the best playground around. I can’t wait to see the kids give it a try.”

The grand opening celebration is geared

towards families, and includes refresh-ments, characters to entertain the kids, a band, singing by students from J.L. Mudd Elementary School and Westhoff Elemen-tary School and a brief ceremony. At the conclusion of the ceremony, kids can try out the playground equipment for the first time.

St. CharleS COunty

Free recyclingBoth of the St. Charles County Depart-

ment of Community Health and the Envi-ronment’s Recycle Works locations now accept small batches of plastic material and undamaged fluorescent bulbs from residents at no cost.

“We have accepted plastics and fluores-cent bulbs from residents at our Recycle Works West location for several years, and expansion now allows us to collect these items at Recycle Works Central as well,” said Pieter Sheehan, director of the Divi-sion of Environmental Health and Protec-tion.

Both of the County’s Recycle Works locations are open to the public from 8:30 a.m. to 4:30 p.m., Monday through Satur-day.

Bridge meetingA public hearing about the new I-64/US

Hwy. 40/61 Missouri River bridge will be held from 4 p.m. to 7 p.m. on Wed., Oct. 12 at the Missouri State Highway Patrol Troop C headquarters in Weldon Spring.

Missouri Department of Transportation staff will be available to discuss the prop-erty needs, economic and social effects and environmental issues being addressed with the new bridge, known as the Daniel Boone Bridge.

“The public meeting is a great opportu-nity for people to find out the general plan for a new I-64 Missouri River bridge,” said MoDOT Boone Bridge Project Director Jim Gremaud. “The project is funded and we are moving into hiring a contractor. If you drive the old westbound bridge, you will be interested in knowing we are going to get started on a replacement bridge very soon.”

The $125 million project will replace the existing westbound Daniel Boone Bridge, which was built in 1935. The project is funded to start in summer 2012.

For more information on the new I-64 Daniel Boone Missouri River Bridge, visit the project website at www.modot.org/boonebridge.

St. PeterS

Bank robber caughtAn O’Fallon man has been charged in

connection to a series of bank robberies in St. Charles County.

Gene M. Whitehead, 49, was charged with four counts of robbery. Whitehead was apprehended by St. Peters Police on Sept. 17, shortly after allegedly robbing the First Bank inside of the Dierbergs on Salt Lick Road. Police said Whitehead was located in his vehicle in the area of Salt Lick and Mexico roads and the currency from the robbery was recovered.

In addition to the St. Peters robbery, the investigation led to the suspect implicating himself in one bank robbery in O’Fallon, and two bank robberies in St. Charles.

Whitehead is currently incarcerated at the St. Charles County Detention Center with a $100,000 cash only bond.

Two suspects taken into custodyTwo St. Charles men have been taken

into custody in connection to a residential burglary that occurred on Sept. 19.

Todd T. Bornhop, 25, of the 4000 block of Weatherton Place and Richard C. Kinzer, 20, of the 800 block of Carriage Cove Court have each been charged with robbery. The men are suspected of taking more than $9,000 worth of property from a home in the 1600 block of Enwood Drive in St. Peters.

“Nobody was injured and nobody was home at the time of the burglary,” said police Lt. Rick Gerger.

Officers located Bornhop in his residence and he was taken into custody following a

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foot pursuit. Kinzer was taken into custody without incident. Investigators have recov-ered the majority of the property stolen from the residence.

Both suspects are currently incarcerated at the St. Charles County Adult Detention Center with Bornhop’s bond set at $20,000 and Kinzer’s at $15,000.

St. CharleS

Note causes lockdownA threatening note found in a student’s

locker at St. Charles High School caused a lockdown situation on Sept. 21.

Lt. Mike Akers, with the St. Charles Police Department, said the note was very detailed, targeting specific students and teachers, as well as threatening a bomb.

The student who found the note Wednes-day morning reported it to the principal and school was placed on lockdown.

“Each class was escorted out individu-ally,” Akers said.

Students were required to walk through metal detectors before being detained on the football field while waiting to be picked up by parents. Police searched the school with bomb sniffing dogs, but no bomb or weapon was found.

A 15-year-old suspect has been charged with making a terrorist threat, and was taken into custody by the juvenile authori-ties.

Body foundThe body of a 62-year-old St. Louis

woman was discovered in her car 11 days after she died.

Hattie Bradley was found dead in her vehicle on Sept. 16 in the Ameristar Casino parking garage in St. Charles. Lt. Mike Akers, with the St. Charles police, said drivers passing the vehicle would not have been able to see Bradley the way her body was positioned.

A person walking past Bradley’s vehi-cle did try to see if the woman was OK, Akers said. She didn’t respond, and he went inside and gambled for three hours. Akers said it is not uncommon for people to sleep in their cars in the casino’s parking garage. When the patron returned to see the woman in the same position he realized she was deceased, Akers said.

Bradley was reported missing to St. Louis police on Sept. 1. She was last seen on the parking garage camera getting into her vehicle at 6 a.m. on Sept. 4. After watching the video she was not seen leav-ing her vehicle again.

“No foul play is suspected,” Akers said.

Hospital with heartSSM Heart Institute at St. Joseph Health

Center recently earned the American Heart

Association’s Mission: Lifeline Bronze Quality Achievement Award. The award recognizes SSM St. Joseph Health Center’s commitment and success in implementing a higher standard of care for heart attack patients that effectively improves the sur-vival and care of STEMI (ST Elevation Myocardial Infarction) patients.

“The SSM Heart Institute at St. Joseph Health Center is dedicated to making our cardiac services among the best in the country, and the American Heart Associa-tion’s Mission: Lifeline program is helping us accomplish that by making it easier for our professionals to improve the outcomes of our cardiac patients,” said Darla Meri-deth RN, BSN, STEMI coordinator at SSM St. Joseph Health Center. “We are pleased to be recognized for our dedication and achievements in cardiac care.”

Hospitals that receive the Mission: Lifeline Bronze Performance Achieve-ment Award have demonstrated for 90 consecutive days that at least 85 percent of eligible STEMI patients (without con-traindications) are treated within specific time frames upon entering the hospital and discharged following the American Heart Association’s recommended treatment guidelines.

Discover St. Charles St. Charles residents are encouraged to

Discover St. Charles — on YouTube.The city’s video platform Discover St.

Charles is now playing on YouTube. The multimedia program designed for the web, has a mission to keep residents, business owners and visitors in-the-know and up-to-date.

lindenwood

Survivor receives full scholarshipA 12-year-old survivor of a house fire

was presented with a full Lindenwood scholarship earlier this month.

Bobby Zwilling was the sole survivor of a fire that killed his mother, stepfather and two siblings this summer. Linden-wood President James D. Evans formally presented the scholarship to the boy, who attended the presentation with his father, Bob Mauer. Both Zwilling and Mauer expressed thanks to Evans and the univer-sity for extending the scholarship offer.

Zwilling said he appreciated the offer and thought the campus, which he visited for the first time that day, was big and “pretty cool.”

Evans said the scholarship offer was the idea of Lindenwood Counsel Eric Stuhler, who came to Evans during the news cover-age of the fire and its aftermath and sug-gested the university could give Bobby Zwilling and his father one less thing to worry about with the scholarship offer.

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10 I NEWS I SEPTEMBER 28, 2011MID RIVERS NEWSMAGAZINE NEWSMAGAZINENETWORK.COM

By Jeannie SeibertAs a result of the past two state-mandated prop-

erty value reassessment years Lake Saint Louis is experiencing nearly a quarter-million dollar dip in revenue from real estate taxes while simultaneously facing EPA-mandated storm water mitigation proj-ects and increasing pressure to press ahead with street upgrades.

After months of debate, City Administrator Paul Markworth made a compelling case for restoring a portion of the property tax rate but well below the voter-authorized rate of .94 cents per $100 of assessed valuation.

Finally, the Board of Aldermen directed staff to pre-pare a bill that would bring the current rate of .5951 cents per $100 assessed valuation up to .627 cents that would just cover some of the lost valuation from the last two reassessment years – 2009 and 2011.

The bill was up for a first reading in late August and again on Sept. 5 for a final vote.

Between the two meetings senior citizens heeding the promptings of retired resident Richard Morris flooded city hall with phone calls and emails oppos-ing the bill.

Senior citizens on fixed incomes heard only two words – tax increase.

Their campaign was so intense that aldermen were unable to continue to support the measure and the bill failed.

Mayor Michael Potter said the bill was “Not really a tax increase since it was revenue neutral to the city.

“Despite what Mr. Morris said, if your assessed value decreased 5.3 percent, which was the city-wide average, your city tax bill would have been the same as last year,” Potter said. “If it decreased more than that percentage your city tax would have been lower.”

Potter gave an example of those who could have seen an increase.

Had the bill passed, a home valued at $250,000 prior to reassessment and which maintained that same value, Potter explained those homeowners “would have seen their city tax bill go up $15.”

Potter pointed out that since he has served as mayor, the Board of Aldermen has “at least twice lowered

property tax rates to comply with the (state) Hancock Amendment.

“Believe me, I like lower taxes too, however we have to be reasonable in our expectations for (city) services,” he said.

But the mayor and many aldermen who understood the full extent of the bill and the pressing expenses facing the city couldn’t face down the wave of resistance from those who only understood the ‘tax increase’ message.

Morris returned to the Sept. 19 Board of Aldermen meeting to personally thank the board for honoring the pleas of elderly constituents.

But city leaders are still faced with necessary street resurfacing and an extensive storm water mitigation program required by the federal government and demanded by numerous property owners who have been plagued by flooding.

“The revenue we were trying to recapture from the (property valuation) decrease was to be directed to these infrastructure projects,” Potter said. “The plan was to use the approximately $100,000 recaptured from the property tax increase to fund the major storm water projects that we need to complete over the next five years.”

Continuing, Potter said, “Everyone should be aware that without the money for street resurfacing and some major storm water projects,” that work will necessarily be delayed until funds can be found elsewhere. The capital budget for infrastructure and equipment replacement, like the public works trucks, for 2013 is the primary concern.”

In 2009 revenue decreased $120,000 and now 2011 appears to be down between $103,000 and $104,000 from 2010.

In addition to an ongoing economic downturn the current reassessment has resulted in an additional drop in the city-wide valuation another 5.3 percent. And further expense cutting options are dwindling. One of the senior citizens’ complaints was the recent payroll hike for city employees.

Potter said that decision was the first payroll increase in two years and was based on the Consumer Price Index (CPI) which provides the rate of inflation.

LSL grapples with big expenses, dwindling revenues and no relief in sight

Who says you can’t fight City Hall?Lake Saint Louis resident Richard

Morris did just that when he heard the Board of Aldermen would be entertaining a bill that would raise property tax rates. A retired senior cit-izen, Morris sat down at his computer and typed out a letter addressed to the elected officials explaining the plight of those who depend on Social Security.

“I printed out that letter and started knocking on doors,” Morris said. “I’m a senior citizen so I know where they (seniors) live.”

Campaigning seniors to get in touch with their aldermen, Morris said many volunteered “to call all of them. And they did.

“It went viral,” Morris said. “The aldermen said they’d never had so many calls before.”

Then, earlier this month, when it appeared a majority on the board would be supporting the property tax increase, Morris attended the meeting to plead his case and that of others on fixed incomes.

“I’m a guy with a third-grade education,” Morris said. “I was always so shy I wouldn’t even think of getting up in public and talking but sometimes you just have to do what you have to do.”

And it worked. Following the flood of calls and emails the board elected not to up the tax rate on property.

Morris is a living testament to the notion of reinvention. He has repeatedly reinvented himself throughout his life.

Morris joined the Navy at age 16, serving on two aircraft carriers during the Vietnam War.

“I never even drove a car until I was 20 years old,” Morris said. “So I taught myself how to drive a stick shift and got to be an expert real quick – I’ve got the pieces of glass in my head prove it.”

Morris makes light of the challenges he’s overcome in his life, joking, “I never let my education get in the way of my knowledge.”

Read more on www.newsmagazinenetwork.com.

Leading the charge on taxes

By MaRy ann O’TOOle HOlleyThe O’Fallon City Council agreed to

keep the city’s 2011 tax rate exactly as it was in 2010, after a series of deliberations sent them back to the drawing board.

At the council meeting held Thursday, Sept. 22, it was agreed to scrap an earlier proposal to increase property and city debt service taxes to compensate for a 4-percent depreciation in home values, a decrease that would also decrease tax revenue to the city.

The council first considered increasing the tax rate at the Sept. 8 council meeting, but the proposed rate failed to pass. The approved rate establishes a general prop-erty tax levy of $.3562 for operations and a

levy of $.1267 for debt service. These are the same rates homeowners paid in 2010.

That means homeowners will likely see a 4-percent decrease in city taxes when their bills arrive in November.

It is required by state statute to adopt a property tax rate and to provide the rate to the County Registrar by Oct. 1 of each year.

In a last minute effort to save residents even more on their taxes, Councilman Jim Pepper asked that the tax rate for debt service be reduced by 55/1000th of a cent, based on new figures he received from City Finance Director Vicki Boschert.

“It will give us a level playing field going forward,” Pepper said.

The council, however, voted unani-mously to deny the motion.

Councilman Jeff Schwentker asked that it be noted on the ordinance that he, Coun-cilman Jim Howell and Councilwoman Rose Mack were instrumental in seeing that staff reconsider the 2011 tax rate.

Boschert said the tax rates as proposed may result in a reduction of general fund revenue of approximately $335,000 and a reduction of debt service revenue of approximately $540,000. The debt service payments for the current fiscal year will be subsidized with the debt service reserve balances, she said.

State statutes require that the city levy a property tax prior to Oct. 1 of each year.

Boschert said a variety of information is collected in computing the city’s property tax including the state defined cost-of-liv-ing index, the assessed value of new con-struction and improvements, the assessed value of added territory, last year’s ending assessed valuation, debt service informa-tion and the current assessed valuation after Board of Equalization.

The property tax rates is estimated at this time because the final certified prop-erty values are not yet received from St. Charles County, Boschert said.

These figures will continue to be subject to minimal change prior to certification of the rates by the Missouri State Auditor’s Office.

O’Fallon Council agrees to keep 2010 tax rates

“Doctor Publicly Announces Disgust and Concerns…”And does something about it for the county of St.Charles…

Dear friend,

In my profession, it’s considered ‘politically incorrect’ to speak out against the status quo. But, the time for remaining silent is over. It’s time to tell the truth.

I want to give you some staggering statistics. Let’s start with this one. Fourteen percent of our gross national product goes to health care, yet according to the World Health Organization, we rank twenty-ninth in the list of healthy nations. That tells me something is very wrong.

There’s more than one thing to blame for this. The heads of several HMO’s make tens of millions of dollars per year while 46 million Americans can’t afford health insurance.

Here’s something else. On July 26, 2000, the Journal of the American Medical Association reported that, according to Johns Hopkins, medication errors are the third leading cause of death in the U.S.

Are you paying too much for health care, and not getting the results you want? Then listen to this…

A few years back, a researcher studied the records of 395,641 patients. What he found was absolutely shocking. The claims were divided into people that used chiropractic care, and people that used only medicine. The ones that used chiropractic had “significantly lower health care costs, saving an average of $1,000 each over the two-year period.”

Am I disgusted? You bet I am. And maybe you should be, too. Since I’m on “a soapbox” now, let me tell you a bit about me, before I go on.

Years ago, I was just another athletic teenage boy playing with his friends in upstate New York, until I developed a series of “ear and sinus infections.” In my case it came on little by little. The pain in my sinuses, ears, nose and chest was so intense that there were times when

I couldn’t breathe well enough to keep up with others (by the way, that’s me running a half Ironman last year). Sometimes my sinuses felt so swollen that my vision would blur and I would get awful headaches and earaches. I was afraid that I’d lose my friendships and my

self confidence in my body if this disability continued. After a lot of medications and multiple surgeries, I decided there had to be another option. But, there’s more…

My uncle convinced me to give a chiropractor a try. The chiropractor did an exam, took some films, and then “adjusted” my spine. The adjustment didn’t hurt, it actually felt good. I got relief, and I could begin breathing normally again. It worked so well that I went to chiropractic school myself.

It’s strange how life is because now people come to see me with their sinus problems. Also, they come to me with their headaches, migraines, chronic pain, neck pain, shoulder or arm pain, whiplash from car accidents, backaches, ear infections, asthma, allergies, numbness in limbs and athletic injuries, just to name a few.

Here’s what some of my patients had to say:

“I had headaches for years. I was sent to every specialist and did all the tests. Then, I saw Dr. Hamed. Now, I have

no more headaches.” (Christie D., nurse.-St.Charles)

“I was the official “doubting Thomas”about chiropractic!” (Carol K.-St.Peters)

“2 years ago I was a mess! I am so glad I believed in Dr. Jay. Thank you for all your advice, help, care and friendship.” (Diane P., teacher-Ofallon)

Being a chiropractor can be tough, because there’s a host of so-called experts out there. They tell people a lot of things that are just plain ridiculous about my profession. It’s time we, as a nation, got to the core of the problem. How long can we go on just covering up symptoms with drugs and not stressing preventative care? The system isn’t working well, and it’s time people opened their eyes to a different point of view.

Look, I’m not a miracle worker, and I’ve never claimed to be. But, here’s something else you should know. A Virginia study showed that well over 95% of chiropractic patients were satisfied with their care. That’s just incredible. Despite what you think however, I’ve never healed anyone of anything. What I do is perform a specific spinal adjustment to remove nerve pressure and help balance the body, and the body responds by healing itself. We get tremendous results. It’s as simple as that!

My job is to work with the body, teach you how to be healthy and to do my best to help you get there.

And, something else. Besides getting on this soapbox, I’m going to do something about it…

How You Can Benefit if You Act Now- Look, it shouldn’t cost you an arm and a leg to correct your health. You are going to write a check to someone for your health care expenses, you may as well write one for a lesser amount for chiropractic. When you respond to this offer you’ll receive my entire new patient exam for just $37. That’s with x-rays, paraspinal thermal ima-ging….the whole ball of wax. This exam

could cost you $350 elsewhere. But, please call right away because this terrific offer will expire promptly on November 1, 2011. And, further care is very affordable, and you’ll be happy to know that I have affordable family plans.

Great care at a great fee…Please, I hope that there’s no misunder-standing about quality of care just because I have a lower exam fee. You’ll get great care at a great fee. My qualifications…I’m a graduate of both Skidmore College and Logan College who has published articles in leading international journals. I’ve been entrusted to take care of tiny babies to pro athletes that you may know, and I have even traveled to the Dominican Republic to serve those people in need of care. After practicing in Tulsa for three years, I moved my practice to Ofallon. I just have that low fee to help more people who need care.

My assistant is Nicole, 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 THE CHIROPRACTIC WELLNESS CONNECTION, and it is at 111 Ofallon Commons Drive (we are a block from Hwy K & N intersection). Our phone number is 636-978-0970. Call Nicole or me today for an appointment. We can help you.

Thank you,Jason Hamed, D.C.

P.S. When accompanied by the first, I am also offering the second family member this same examination for a $10 donation to “Feed The Children”.

P.P.S. Can you imagine not having to wait at a doctor’s office? Well, your time is as valuable as mine is. That’s why we have a no-wait policy. You will be seen within minutes of your appointment.

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By Mary Ann O’Toole HolleyCottleville City Administrator Scott

Lewis said the city is gearing up for the widening of Hwy. N, including elimina-tion of a dangerous curve that caused three fatalities in the past.

Recently, the Missouri Department of Transportation completed a widening project on Route N in St. Charles County, adding a continuous turn lane and shoul-ders on the route from Spring Orchard to Meadowlake Drive. The current project, being done in conjunction with the City of Cottleville, will extend that widening project from Meadowlake Drive to just west of Weiss Road in St. Charles County.

“Cottleville filed for federal funds, and MoDOT is managing the project,” Lewis said. “It’s good to get this done because it will build up a section of the road near Eagle Hill, lessening the sharp curve. We’ve had three fatalities on that curve.”

MoDOT and the city of Cottleville have a plan to widen the existing two-lane Route N. Part of this project will include relocating Route N south of the existing route between Meadowlake Drive and Eagle Hill Lane and raising the eleva-tion of the road from Eagle Hill Lane to just west of Weiss Road. This will make

Hwy. N straighter, and will improve sight distance, flatten curves and eliminate fre-quent flooding, Lewis said.

“The importance of this work will be to make this section of roadway safer and keep it from flooding for those people who live, work and play along Route N,” Lewis said. “With the continuous turn lane, traffic will not back up because of people turning left into subdivisions, busi-nesses or parks. This will mean a potential decrease in travel times along the route and a significant increase in the safety of the project.”

The work has been in the planning stages since 2008 when a public hearing was held in Cottleville. Bids went out in spring, and work is expected to be com-pleted in mid to late 2012.

MoDOT and the city of Cottleville will not close the road during construction, although there may be traffic shifts around the construction, Lewis said. When con-struction does begin, MoDOT asks driv-ers to eliminate distractions and to watch out for workers in the work zone.

Lewis said on the other side of town, Gutermuth Road Phase 2 opened new lanes at Gutermuth near the Columbus Point subdivision.

Hwy. N in Cottleville to be streamlinedStreetscape project still in progress

Old Town Cottleville has become a construction zone these days as the long-anticipated Streetscape project kicks into high gear.

City Administrator Scott Lewis says blame the delays on the weather, because if it were up to him and Mayor Don Yarber, people would already be strolling down the stamped concrete resembling wood planks.

Funding from the Federal Enhance-ment program helped jumpstart the streetscape projects. Improvements to sidewalks, parking and a wider Hwy. N thoroughfare are in the works. Total proj-ect costs are estimated at $1.3 million, with the rest of the funding coming from the Community Improvement District tax. Passing of the CID in May 2009 means debts from the makeover would be paid through sales tax revenue rather than taxpayer funds.

City officials are also hoping the CID district approved by voters in May 2009 will bring in another $3 million in desig-nated sales taxes for the project.

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14 I NEWS I SEPTEMBER 28, 2011MID RIVERS NEWSMAGAZINE NEWSMAGAZINENETWORK.COM

By Amy ArmourThe buses in the Fort Zumwalt School

District received a near perfect score from the Missouri State Highway Patrol earlier this year, earning a “Total Fleet Excel-lence” award. After undergoing a thorough inspection process of its 165-bus fleet, the district received a 99.4 percent.

“This is the second year that the inspec-tion program has been beefed up and the (mechanics) continue to do well,” said Superintendant Bernie DuBray.

The Missouri State Highway Patrol pro-vides annual inspections of school buses across the state.

“Inspectors go over the buses with a fine-tooth comb… all over the inside and the outside,” said Tom Berry, director of trans-

portation for the district. “For the ninth year in a row we have exceeded the 90 percent pass rate.”

The average across the state this year was 87.89 percent. The Fort Zumwalt School District received a 99.4 percent, only losing 0.6 percent of a point when one light bulb failed to light on one of the stop signs that extends from the bus.

“That is a record that we are pretty proud of and we hope you are too,” Berry said.

The district has 201 transportation employees — including six mechanics, one lead mechanic and two fuelers — who keep the bus fleet fueled and running smoothly.

“These are the guys that are busting their knuckles and getting their hands dirty everyday,” Berry said.

FZSD bus fleet garners top honors from state

By Amy ArmourThe transportation department in the Fort

Zumwalt School District will enter the technology age next spring.

The Fort Zumwalt Board of Education approved the $21,995 purchase of a bus routing software program that will allow the transportation department to plan bus routes and schedule field trips much more efficiently.

The Transfinder Bus Routing System will be paid for from the transportation budget in two installments — about $10,500 from this year’s budget and another $10,500 from next year’s budget. The district will also be required to pay a $5,800 annual fee.

The current bus routing system is hand-written and takes several hours of staff time each day. The district utilizes maps from St. Charles County and hand written maps from years ago to draw bus routes.

Patti Corum, assistant superintendent, said most school districts of Fort Zum-walt’s size have a bus routing software program.

“We do everything by hand, which is not the most efficient way to (plan) a route,” said Corum.

The Fort Zumwalt School District trans-ports about 12,000 children a day and maintains about 150 regular routes. In addition, the district schedules about 2,000

charter trips — field trips and athletic trips — annually.

Tom Berry, director of transportation for the Fort Zumwalt School District, said new system would have the most immediate impact on the way field trips are routed. The transportation department generally spends four to six hours daily just planning field trips and filling out the five handwrit-ten steps associated with the field trip.

Berry said the routing software will free up the time of the assistant manager, who generally spends several hours of time working on the field trip routes.

The new software program will allow the district to re-route if there is an addition of a new school, track sex offenders when routing bus stops and redefine boundaries as needed if enrollment changes.

“There are so many things we can do to make it more efficient,” Corum said.

By providing more efficient bus routes, the district expects to save funds with staff, fuel and mileage in the future.

“Within two to three years, it will cer-tainly pay for itself,” Berry said.

The School Board voted unanimously to approve the purchase of the software pro-gram.

“School districts of our size have been utilizing programs like this…And while we are doing well, we really feel like we can be more efficient,” Corum said.

New bus-routing software coming to Fort Zumwalt

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16 I schools I sEPTEMBER 28, 2011MID RIVERs NEWsMAGAZINE NEWsMAGAZINENETWoRK.coM

ScholarShip offered

Scholarship opportunityHigh School seniors are invited to apply

for the Louis S. Sachs Scholarship spon-sored by Progress64West. There will be one $5,000 award, as well as two $2,500 awards.

To be eligible students must be a high school senior in the Parkway, Rockwood, Francis Howell, Fort Zumwalt or Wentz-ville school district or attend a private school or be homeschooled within these districts.

Students must compose an Executive Business Summary meeting several crite-ria, including: a business concept, including nature of the business, personal objectives, philosophy, values and contribution to the community; market analysis, including market need, competition and strategy to meet the need and successfully compete; business operations, including necessary management, employees, vendors, profes-sional assistance, facility and technology; sales and marketing efforts that will be necessary; and sources and uses of money necessary to start and operate the business.

The $5,000 award winner must be enrolled full time in an accredited college or university, and must maintain a mini-mum GPA of 2.5 to receive the second year scholarship.

The essay should be submitted to Patrick Shaw at [email protected] by Oct. 24. Winners will be announced at an award luncheon on Wed., Nov. 23.

For additional information, contact Shaw at 314-503-4880 or email [email protected].

franciS howell

National recognitionAaron Manfull, a journalism and publica-

tions teacher at Francis Howell North High School, has been named the 2011 National High School Journalism Teacher of the Year by the Dow Jones News Fund (DJNF). He will receive the award Nov. 19, at the National High School Journalism conven-tion in Minneapolis, Minn.

The DJNF selects and identifies high school teachers who have done exemplary work in the field of journalism. During the selection process an advisory panel weighed Manfull’s service in journal-ism organizations, personal and publica-tion awards, quality of his students and the school newspaper, newsmagazine or online publication, and his philosophy and approach to student press rights and ethics.

As a winner of the 2011 teacher of the year contest Manfull will receive a laptop

computer, travel and lodging expenses, a per diem for substitute teacher fees and will write a quarterly column for the DJNF’s newspaper, Adviser Update. Manfull will also attend a seminar at the Poynter Insti-tute for Media Studies in St. Petersburg, Fla., and will be a guest of the DJNF at the Advisers’ Luncheon at the Journalism Education Association/National Scholastic Press Association convention each Novem-ber. He will also attend the editors and col-lege educators’ conventions.

Taste of medical fieldDanijela Manjencich, a student at Fran-

cis Howell High School, was one of 12 students from the St. Louis area selected to attend Cardiac Camp in conjunction with the Washington University School of Medicine.

Manjencich was the only student from the Francis Howell School District to attend the camp this past summer.

Camp Cardiac serves as an introduc-tion for high school students interested in exploring a career in medicine. With a focus on both education and real world experience, Camp Cardiac provides stu-dents with a unique opportunity to learn directly from experts in the medical field.

Manjencich participated in numerous

activities including CPR and first-aid cer-tification, hands-on workshops, lectures about heart anatomy, physiology and developments in heart patient care, health-care careers, heart dissections and a medi-cal student forum.

In addition, this one week, non-profit summer day camp provides a foundation for heart healthy living with an emphasis on both diet and exercise in which Manjen-cich participated in daily workouts led by a certified personal trainer.

The camp was founded by Dr. Richard Lee, a cardiac surgeon, and Northwestern medical students Praneet Korrapati, Wini-fred Lo, Krutika Lakhoo and Nikhil Seth.

Student finalistsTwo students from the Francis Howell

School District have been named final-ists in the 2011 National Scholastic Press Association (NSPA) “Roll-Out Week” Pic-ture of the Year contest.

Lauren Kastner, a 2011 Francis Howell Central (FHC) High School graduate, was editor-in-chief of the FHC yearbook last year. She was awarded honorable mention for a photo that was taken at the funeral of Marine Lance Corporal Phillip Vinnedge, a 2009 graduate of FHC who lost his life in Afghanistan on Oct. 13, 2010.

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Kelci Davis, a junior at FHC, was named a finalist in the Sports Reaction Category for a photo that was taken of Terrel Wil-bourn, FHC alumnus and three-time state wrestling champion, after winning his third state title.

The Picture of the Year contest is co-sponsored by the National Press Photog-raphers Association and honors student photographers in six categories: News, Feature, Sports Action, Sports Reaction, Environmental Portrait and Jr. High/Middle School. This is the first time any FHC stu-dent has had their work recognized in the NSPA end of year individual contests.

Howard selected to play ball Ryan Howard, a junior at Francis Howell

Central, has been selected to be a member of the USA Baseball’s 17 & Under Mid-west Region Team. He was also invited to participate in the 2011 U.S.A. Baseball National Team Series in Cary, North Caro-lina at the USA Baseball National Training Complex earlier this month.

This program serves as an integral stepping-stone in USA Baseball’s National Team Athlete Development Pipeline. In order to be a qualified participant, Howard had to undergo an intensive selection pro-cess.

He earned this honor by being selected as one of the top players in the nation in his age group. Howard made the 18 member Missouri Team out of a try-out pool of 175 athletes. After making the Missouri Team, Ryan made the 18 member Midwest Region Team out of a try-out pool of more than 250 athletes from throughout the Mid-western United States. From that group, he had the chance to be selected for a US National Team and compete for selection to represent his country.

The next step in the USA Baseball pro-cess is to compete against 10 other regions in the national event in North Carolina.

Wentzville

District teams up with parksThe Wentzville School District has

teamed up with the St. Charles County Parks and Recreation Department to pro-vide opportunities for students and teach-ers to reinforce classroom lessons in the great outdoors.

Parks Department employees trained in everything from natural resources, hor-ticulture, fish and wildlife management, birding, orienteering and history are shar-ing those lessons with Wentzville students in St. Charles County parks as well as in district classrooms.

Students from Holt High School braved the rain on Sept. 9 to conduct stream water testing at Quail Ridge Park in Wentzville

as part of their class curriculum. More than 30 Holt students in Candace Smith’s Envi-ronmental Science class participated in the field trip that was coordinated through the SCC Parks and Recreation Department.

Smith said her students are currently learning about the aquatic ecosystem in her class and the field trip provided a great hands-on opportunity to tie in to her les-sons.

“We require our students to know how to do biological and chemical monitoring of a stream and identify various macro inverte-brates,” Smith said. “This partnership was an awesome experience because it allowed us to break up the 33 students into small groups and each work with a specialist/expert in the area we were studying.”

Representatives from the SCC Parks and Recreation Department, Natural Resource Supervisor Ben Grossman and Natural Resource Specialist Nick Dziuba assisted the students with stream sampling and water testing in Peruque Creek which runs through the park.

Fort zumWalt

Craft showFort Zumwalt South High School will

host its 21st annual Craft Show from 9 a.m. to 4 p.m. on Sat., Oct. 22, at the high school located at 8050 Mexico Road in St. Peters.

Craft lovers will find everything from jewelry to Christmas ornaments and holi-day items to wooden crafts, soaps and bath products. In addition, the show will have several home sales representatives like Pampered Chef, Scentsy and Tupperware. Baked items and concessions will also be available for purchase.

Proceeds benefit the high school activi-ties booster club, which supports extra-curricular activities including sports, music, drama and academic activities.

Private

Executive directorPaul Gutting has been named executive

director of Campbell Montessori School in St. Charles. He is succeeding his mother, Miriam Gutting, who led Campbell for 22 years and is a nearly 50-year veteran of Montessori education.

Paul Gutting has been at Campbell for two years as associate director and over-saw the opening of a new Montessori middle school—the first in the state and one of only a few hundred in the country. He has worked in public, independent, and Montessori schools in varying capacities from playground supervision to teaching and administration.

Paul Gutting has also guest-lectured on Montessori at local universities.

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It’s time to transform breast cancer awareness into breast health actionOctober is National Breast Cancer Awareness Month. The St. Louis Affiliate of Susan G. Komen for the Cure® is committed to transforming breast cancer awareness into meaningful breast health action.

How do we move beyond awareness and into action? Here are a few ideas:

Make a mammogram appointment and urge other women in your life to do the same, remembering that early detection saves lives.

Support events benefiting the Komen St. Louis Affiliate, so dollars will go where they are needed in the areas of screening, treatment, education

and research.

Reach out to someone newly diagnosed, letting them know they are not alone.

Celebrate the people in our lives who have made our own breast cancer journeys easier.

Let’s make October about 31 days of breast health actions that will become habits for you and those you care about.

These 31 days of action are only the beginning. Join us on a mission to help those in need and to find the cures. Connect with the Komen St. Louis Affiliate to learn how you can turn your breast cancer awareness into breast health action during October and throughout the year.

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Early detection saves lives. The 5-year survival rate forbreast cancer when caught early is 98%. When it’s not? 23%.

Visit komen.org/getscreened or scan this code with a QR reader app on your smart phone to start making a difference.

©2011 Susan G. Komen for the Cure®

A special section of MID RIVERS Newsmagazine, proudly supporting the St. Louis Affiliate of Susan G. Komen for the Cure®

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How can you help fight breast cancer with a bowling ball and 10 pins? Partici-pate in the third annual Spare Nothing for the Cure bowling event, presented by Saint Louis Bread Co., on Sun., Oct. 23. The family-friendly fundraiser benefits the St. Louis Affiliate of Susan G. Komen for the Cure®.

Bowlers may choose from two locations: Tropicana Lanes in Richmond Heights, or Camelot Bowl in Collinsville, Ill. Each bowling alley features three sessions: 11 a.m.-1 p.m., 2-4 p.m., and 5-7 p.m.

The entry fee is $25 per bowler or $150 for a team of six bowlers. Each registration includes unlimited bowling during the two-hour session, shoe rental and an official Spare Nothing for the Cure T-shirt. Plus, participants enjoy the opportunity to bid on raffle baskets and win door prizes.

At the inaugural Spare Nothing for the

Cure event in 2009, more than 200 partici-pants helped raise more than $15,000. In 2010, more than 500 bowlers helped raise more than $26,000 for the fight against breast cancer. Those funds directly impact the breast health needs of the local com-munity. Up to 75 percent of the net money raised by the Komen St. Louis Affili-ate stays in the greater St. Louis area to fund screening, treatment, education and research programs. The remaining 25 per-cent goes to fund the national Susan G. Komen for the Cure® Awards and Research Program.

Join in the fight by bowling on Oct. 23. Anyone who cannot attend but wants to participate can enter as a Phantom Bowler for a $35 donation; a T-shirt will be mailed two to three weeks after the event.

Visit komenstlouis.org to register and select a bowling location and session.

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Being female and getting older are the most significant risk factors for developing breast cancer. Susan G. Komen for the Cure® encourages all women older than age 40 to receive a mammogram every year.

To take action, call today and make an appointment with your health care provider.

To sign up for a mammogram or clinical exam reminder, visit komen.org/getscreened.

Susan G. Komen for the Cure® rec-ommends that you:

1. Know your risk. • Talk to your family to learn about your family health history. • Talk to your health care provider about your own risk of breast cancer.

2. Get screened.• Ask your doctor which screening tests are right for you if you are at a higher risk. • Have a mammogram every year starting at age 40 if you are at aver-

age risk. • Have a clinical breast exam at least every three years starting at age 20, and every year starting at 40.

3. Know what is normal for you.• See your health care provider right away if you notice any of these breast changes:- Lump, hard knot or thickening - Swelling, warmth, redness or dark-ening - Change in the size or shape of the breast - Dimpling or puckering of the skin - Itchy, scaly sore or rash on the nipple - Pulling in of your nipple or other parts of the breast - Nipple discharge that starts suddenly - New pain in one spot that does not go away

4. Make healthy lifestyle choices.• Maintain a healthy weight. • Add exercise to your routine. • Limit alcohol intake.

How to take action for breast self-awareness Did you know that this year in

Missouri, an estimated 4,100 new cases of invasive breast cancer will be diagnosed among women, and 800 of those women will die of the disease?

Did you know that, when breast cancer is detected in its earliest stages, the five-year relative survival rate is 98 percent? The survival rate plummets to just 23 percent when the disease is detected in its later stages.

Over the past 30 years, Susan G. Komen for the Cure® has led a movement that increased the five-year survival rates for early stage breast cancer from just 74 percent to 98 percent today. There is no doubt that the early detection of breast cancer has played a fundamental role in this progress.

Yet, screening rates are down. A recent survey revealed that fewer than 50 percent of women older than age 40 with health insurance receive an annual mammogram as recom-mended.

One in eight women will be diag-nosed with breast cancer in her life-

time. Second to skin cancer, breast cancer is the most common cancer in women, but it can be successfully treated especially when detected early. Screening tests can find breast cancer early, when it is more treat-able.

That is why this October, as part of National Breast Cancer Aware-ness Month, the St. Louis Affiliate of Susan G. Komen for the Cure® is committed to making sure women know about the life-saving impor-tance of early detection – and also get their mammograms as recom-mended.

Learn how you, your family mem-bers and your friends can take control of their breast health. Everyone has a role they can play in encouraging their loved ones to seek the care they need.

Getting regular screening tests and effective treatment is the best way for women to lower their risk of dying from breast cancer.

For additional information about the disease, visit komenstlouis.org and komen.org.

Early detection best protection against breast cancer

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The Ambassadors of Lake Saint Louis didn’t waste a minute of time after the Board of Aldermen rushed through legislation to allow civic organizations to use banners on public right-of-way for promotion of public events by civic organizations.

With the July 4 fireworks show being so popular and in that traditional fund-raising has failed to keep up with the hefty cost of putting on the elaborate display, the Ambassadors devised another community event to help raise money for the Independence Day cel-ebration.

Oktoberfest was born - but organiz-ers needed help getting out the word.

Appealing to City Hall for the abil-ity to post temporary signage at key intersections around town, the Board of Aldermen quickly complied with the wish and broke with protocol to hear two readings of the sign ordinance on Sept. 19.

All those present voted for the excep-tion and the very next morning, Sept. 20, Ambassadors President Karen Little, member Gary Torlina and event chairman John Bloecher were hard at work erecting banners announcing the first-ever Oktoberfest to be held from 2 p.m. until 8 p.m., Oct. 1, at The Mead-ows shopping center on Technology Drive.

“It was time to try something differ-ent,” said Little. “Every year the CA (Lake Saint Louis Community Asso-ciation) and the city contribute to the fireworks but our door-to-door (fund-raising) has been falling off.”

Torlina said, “We’ve got a tough hurdle to raise $25,000.”

That’s in addition to the three-way

split between the city, the CA and the Ambassadors.

But, as Bloecher said, that is not even the total bill for the exceptional July 4 fireworks and music display which draws thousands who come by land and water to enjoy the patriotic obser-vance.

To change up fundraising and con-tinue to stick with the Ambassadors’ commitment to act as hosts to the com-munity, the group settled on an Okto-berfest celebration.

Torlina said 43 vendors have already signed on with “world-renowned Waterloo German Band” making an appearance aboard an intricate Bavar-ian-style float and slated to perform a full retinue of polkas and “oompah music.”

Little is particularly proud the Ambas-sadors have pulled together so many Lake Saint Louis organizations to kick off the first year of what all hope will become the annual Oktoberfest event.

The Anglers are hosting a beer tent while the Ski Club serves soft drinks, Little said. “We have so many groups participating it’s hard to name them all.”

The Mothers Club is putting together a Kids Corner with special games and competitions for tots and bounce houses and a Velcro wall for the older kids. Little said the Greentree Elemen-tary School choir would perform.

An auction will be the key fundraiser with an original painting contributed by Lois Marie Staples topping a grow-ing list of donated auction items.

For more information, or to get involved, contact Oktoberfest Chair-man Bloecher at 561-0779.

Celebrate Oktoberfest in Lake Saint Louis Oct. 1

From left, Ambassadors of Lake Saint Louis President Karen Little, member John Torlina and Oktoberfest Chairman John Bloecher.

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St. Louis Skin Solutions has been in business since 2004, helping people obtain healthy, beautiful skin. A wide variety of treatments are available for both men and women, with services including Botox/ Dysport, dermal fillers, facial

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Dr. Amy Miller, board-certified physician, also offers her patients Bio-Identical Hormone Replacement Therapy (BHRT), which can improve the skin in addition to improving muscle tone, bone density, mental clarity, and libido, along with helping to reduce fatigue. Many patients have found BHRT to help bring back their quality of life.

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St. Louis Skin Solutions also hosts special events to educate the community and provide solutions for healthy, beautiful skin. Join us for specials on Image Facial Peels October 13. Call for details.

At the Esse Health O’Fallon Pediatrics office they understand that choosing the right Pediatrician is an important decision for you and your entire family. Dr. W. Stuart Adams, Dr. Michael Danter and Dr. John Gleeson are three board-certified Pediatricians who are passionate about providing their patients with the best possible health care and customer service. They will go the extra mile to make sure you and your children are as comfortable as possible while in their office. They believe that your child’s health care is important, so they are offering expanded office hours to help accommodate busy parents and children. When your child is sick after regular office hours they have one of their own nurses on call until 10 p.m. to answer your questions. After 10 p.m. parents can call the exchange and have their questions answered by a nurse from St. Louis Children’s Hospital. Drs. Adams, Danter and Gleeson are all accepting new patients and they would love to see your child at their next available appointment. If you are an expectant mother or a new parent, please call to schedule your free 15-minute “meet and greet” session so you can tour the office and meet the staff.

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Damon Hays, D.P.M.

Hays Foot & ankle Center

Hays Foot & Ankle Center is the medical practice of Dr. Damon Hays. Dr. Hays is a board qualified podiatrist in reconstructive foot and ankle surgery. “We are a podiatric medical practice serving patients from children through the elderly,” said Dr. Hays, a native of St. Louis. “We provide comprehensive foot care to our patients. This includes everything from diabetic footcare to the crafting of custom orthotics to surgery, if necessary.”As a premier provider of podiatric services in the St. Louis area, Hays Foot & Ankle Center is a patient-center practice that is deeply committed to delivering a level of care that surpasses patient expectations.Hays Foot & Ankle Center is proud to announce the opening of our second location in Des Peres at 2901 Dougherty Ferry Rd., St. Louis 63112, 636.825.3360.

Norman Bein, MD

Norman Bein, MD, learned early on in medical school he wanted to be a surgeon. His uncle and great uncle both were physicians and influential in his life, giving him the inspiration to open his current practice, Vein Specialties, to help restore people to a full life with plenty of energy.

Vein Specialties offers the most advanced and safest procedures available in the St. Louis area for removal of spider and varicose veins that occur on the legs, face, chest and hands. The state-of-the-art, in-office treatment includes the latest laser therapies and minimally invasive surgical procedures, all under local anesthetic. Vein Specialties also offers cosmetic skin enhancement procedures, such as Pearl resurfacing, IPL, microderm abrasion, laser genesis and tattoo removal.

In practice for more than 35 years, Bein is certified by the American Board of Surgery”, the only certification recognized by the American Board of Medical Specialties. He also works closely with the American Venous Forum and holds annual, free screenings for awareness of risk factors for deep vein thrombosis.

Through his own ultrasound examinations, he offers the fastest diagnosis and interpretation available. Each treatment is tailored to individual symptoms, and results are exceptional and long lasting.

“We offer personalized treatment plans for all aspects of varicose and spider vein treatments, treatment of associated facial veins, redness and photo aging,” Bein said.

Where medically necessary vein procedures may be covered by insurance.The patient’s comfort, safety and convenience are the utmost concern at Vein

Specialties, with most patients returning to work in a day or two.“I spend a lot of time with my patients educating them in their disease process and

treatment, so they can make informed decisions,” Bein said.

Vein SpecialtieS11456 Olive Boulevard • Creve Coeur1987 Hwy. A, Suite 200 • Washington314.993.8233www.veinspecialtiesllc.com

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26 I healthcare professIonals I septeMBer 28, 2011MID rIVers neWsMaGaZIne neWsMaGaZInenetWorK.coM

If someone is struggling with overwhelming issues, such as panic attacks, anxiety, grief, guilt, trauma, anger, impulsivity, control issues or anger outbursts, Trauma Recovery of St. Charles cares and can help.

At Trauma Recovery of St. Charles, Patty Caldera, Kelly Carney and Tara S. Dickherber are there to help their clients with various emotional needs. Specializing in treating ADD/ADHD, anxiety and trauma recovery, Caldera utilizes many modalities to customize services for individuals and families.

After falling in love with counseling at the beginning, Carney began her career striving to embrace her gentle, caring and nurturing spirit. Providing psychotherapy to adults, Carney’s services include treating any type of trauma, anxiety or nervousness and unresolved grief and anger.

Dickherber entered the counseling field to be able to make a difference in people’s lives and works with adolescents and adults on a variety of issues. Caldera, Carney and Dickherber currently are the only three certified Rapid Resolution Therapists® in St. Charles or St. Louis County.

1360 S. 5th St., Suite 394 • St. Charles(Caldera) 636.352.3650 (Dickherber) 573.754.0348 (Carney) 314.258.1260

Patty Caldera, MSW, LCSW; Tara S. Dickherber, LPC; Kelly Carney, LPC

Trauma recovery of ST. charleS

Osteopathic Solutions offers osteopathic manipulation in the treatment of headache, neck pain, low back pain and other medical problems. Osteopaths focus on health promotion and disease prevention, working with the patient to achieve a high level of wellness.

Board-certified in Family Practice and Osteopathic Manipulative Medicine, Dr. Sutterer uses gentle manipulation techniques to treat acute and chronic pain problems. With the residency training to augment skills in manipulation, Dr. Sutterer can offer diagnostic skills with advanced training, while also offering the alternatives to modern medicine, such as acupuncture and osteopathic manipulation.

Kent Sutterer, DO, believes the osteopathic manipulation skills he has been blessed with are a gift from God.“I feel blessed to use the talents the Lord has blessed me with to improve the lives of my patients,” Dr. Sutterer said. “If

I can decrease pain and improve a patient’s level of function, their productivity and general level of happiness will be improved.”

8069 Mexico Road • St. Peters • 636.272.0008 • www.osteopathic-solution-s.com

Kent Sutterer, DO

OsteOpathic sOlutiOns

Martha’s Hands Home Health is on a mission to serve with compassion. Martha’s Hands provides quality, compassionate private duty home health care. Eileen and John Hedrick founded Martha’s Hands over 30 years ago. While a nursing student, Eileen was taught compassionate care by the Sisters of Mercy emphasizing total wellness. Because she wanted to maintain those high standards, Eileen turned to her husband for expertise. With Eileen’s focus on high quality standards and John’s ability to set-up a company, Martha’s Hands started in 1997.

Assistance that Martha’s Hands can provide include: bathing, grooming, dressing; meal preparation/clean-up, medication set-up and reminders, light housekeeping, laundry, errand running, mental stimulation, companionship and spiritual support.

Martha’s Hands remains active in their community and industry by maintaining memberships in the National Private Duty Association, Missouri Alliance for Home Care, Social Workers in Long Term Care, Professionals in Retirement Community Living and the St. Peters Chamber of Commerce.

Eileen has been honored for her commitment to elder care by receiving numerous recognitions including the Health Care Hero award from the St. Louis Business Journal, Above and Beyond Caregiver Award from the Missouri Alliance for Home Care and the Woman of Distinction in Health Care by the St. Louis-area YWCA.

5650 Mexico Road, Suite 12 • St. Peters • 636.447.9393

Eileen & John Hedrick

Martha’s hands

I healthcare professIonals I 27septeMBer 28, 2011MID rIVers neWsMaGaZIneneWsMaGaZInenetWorK.coM

Laser Vein Center, a medical practice that comprehensively treats all manifestations of vein disease from varicose veins to spider veins, enables patients to say goodbye to unsightly, unhealthy veins.

Utilizing advanced technology, owner Thomas Wright, M.D., F.A.C.P., R.V.T., begins the process with a thorough physical examination and utilizes a specialized ultrasound to assess problems accurately.

Varicose veins are treated with a 45-minute, minimally-invasive advanced endovenous laser procedure. Patients are up and around that day, resume normal activities within a day or two and suffer no scarring. The success rate is 93-98 percent.

Dr. Wright was one of the first 248 board certified specialists in phlebology, a specialty dealing will all aspects of vein disease. The Center is the only St. Louis area vein disease practice accepting and credentialed with all major commercial insurance plans and medicare.

“Symptoms such as leg swelling, tenderness, restlessness and fatigue are often caused by vein disease,” Dr. Wright said. “Many people with these symptoms are unaware that they are part of circulation problems that can lead to serious medical issues.

3449 Pheasant Meadow Dr. • Suite 100 • O’Fallon • www.LaserLipoAndVeins.com • 636-397-4012

Thomas Wright, M.D., FACP, RVT

Dr. Wright

Dustin G. James, MD

Dustin G. James, MD, has always enjoyed getting to know his patients as people. Board certified in gastroenterology, hepatology and internal medicine, James has been in practice for 10 years and is intrigued by how things work.

“The practice of gastroenterology, which is the study of the digestive system, is a perfect match for these interests, as you really have to spend time talking to someone to determine what is causing their problems,” James said.

James completed his undergraduate training at Cornell University in Ithaca, New York and his medical school, residency, and fellowship at Washington University School of Medicine He is also the author of the book, “The Complete Idiot’s Guide to Digestive Health.”

He said people should see a gastroenterologist for many reasons. One of the most common reasons is for a screening colonoscopy.

“During this test, we look for polyps, which are growths of the colon that can become cancer, and remove them,” James said. “It really does save lives and is important for everyone 50 years of age and older.”

Typically, patients also see a Gastroenterologist with concerns such as heartburn, abdominal pain, constipation, diarrhea, bloating, celiac disease, Crohn’s disease, ulcerative colitis, liver problems, such as fatty liver, and hemorrhoids.

“At Chesterfield Valley Gastroenterology, we truly take the time to get to know our patients and understand their needs,” James said. “We strive to give all of our patients as much time as they need to help them out.”

Chesterfield Valley Gastroenterology is the only GI practice in Chesterfield Valley and also has an office in O’Fallon at Progress West Hospital. It also is one of the only offices in the area to offer painless, in-office treatment of internal hemorrhoids with a laser.

For education on digestion and healthy eating, visit its website at chesterfieldvalleygi.com.

Chesterfield Valley GastroenteroloGy100 Chesterfield Business Parkway, Suite 110 • Chesterfield636.532.0990www.chesterfieldvalleygi.com

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28 I healthcare professIonals I septeMBer 28, 2011MID rIVers neWsMaGaZIne

As professional women and mothers, the doctors of Mercy Clinic Women’s Health, Gretchen Hollrah Levey, MD, Margaretta Mendenhall, MD, and Christina Byron, MD, understand the unique health care needs of women of every generation. Their comprehensive women’s health services emphasize preventative care, from adolescence to postmenopausal stages of life. Designed to accommodate patients’ complex needs in a changing health care environment, the practice emphasizes individual health care plans tailored through partnership with the patient. Mercy Clinic Women’s Health is committed to providing state-of-the-art surgical methods and up-to-date evidence-based medicine. The doctors are experienced in management of high-risk pregnancies, and encourage a low-risk, low-intervention pregnancy care model.

As part of Mercy Clinic, Mercy Clinic Women’s Health belongs to a health care team that is thousands strong, linking patients to experts everywhere you find Mercy. It is coordinated, responsive care that is all about you.

300 Winding Woods Drive, Suite 200 • O’Fallon • 636.240.013015945 Clayton Road, Suite 305 • Ballwin • 636.240.0130

Gretchen Hollrah Levey, MD, Christina Byron, MD, Margaretta Mendenhall, MDMercy clinic WoMen’s HealtH

Deer Creek Footcare has provided quality service to its O’Fallon patients for more than 10 years. It can help patients with a variety of foot ailments, including ingrown nails, heel pain, fractures, sprains, deep root calluses and sports injuries.

“Our goal is to ensure that all of our patients receive the highest level of quality care and treatment,” Dr. Warren R. Trampe, DPM, said. Dr. Trampe also can help patients with bunions, warts and hammertoes, as well as spurs and neuromas. In addition, he cares for diabetics and can provide outpatient surgery if necessary.

“I always will try and do non-invasive procedures prior to recommending surgery,” Trampe said.Patients at Deer Creek Footcare can expect friendly and knowledgeable service directly from the doctor, Dr. Trampe

always sees patients himself. Patients also will not have to wait weeks before an appointment or opportunity to speak with the doctor.

Dr. Trampe graduated at the top of his class, and he prides himself on providing expert quality care for all of his patients.

2917 Hwy. K • O’Fallon • 636.240.1127 • www.deercreekfootcare.com

Warren R. Trampe, DPM, LLC

Deer Creek FootCare

After years of watching patients struggle with their weight, Dr. Elizabeth Laffey decided she had to find a way to help them lose the pounds for good and improve their health.

“So many of my overweight patients couldn’t live full lives because they were suffering from preventable illnesses such as arthritis, diabetes and heart disease, and I genuinely wanted to help them,” she said. “Regular diets weren’t working.”

After painstaking research, Dr. Laffey found the answer. Thinnergy Medical Weight Loss offers her program of compassionate coaching and the latest weight loss science.

Dr. Laffey personally works with each patient to discover issues that might be blocking their weight loss such as thyroid ailments or diabetes. She then prescribes a combination of meal replacements, all-natural metabolism boosters, appetite suppressants and other drug therapies that burn calories and excess pounds.

“I have patients who are losing 20, 50 or more pounds safely,” Dr. Laffey says. “They’re getting their lives back and loving how they look. It’s so gratifying.”

13100 Manchester Road, Suite 210 • Des Peres • 314.543.4044 • www.thinnergyMD.com

Dr. Elizabeth Laffey, MD

Thinnergy Medical WeighT loss

Putting Your Family First in St. Charles County

At BJC Medical Group, we know your family matters most to you. That’s why we believe they deserve a local physician who provides excellent care, convenient to where you live.

From well-baby visits to the management of complex illnesses, our St. Charles County family care physicians deliver quality medical care with the idea that every patient, no matter their age, deserves real, personal attention. Physicians are board-certified and on staff at Barnes-Jewish St. Peters Hospital and Progress West HealthCare Center.

Family Care Physicians Offer:

•Completephysicalsandhealthmaintenancecareforallages

•Diagnosesandtreatmentofacuteillnesses, infections and injuries

•Diagnoses,treatmentandmonitoringof chronic diseases, such as diabetes and hypertension

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Where you are. When you need it.

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O’Fallon, MO 63368

George Stachecki, MD Jyoti Kulkarni, MD Liza Stanton, MD

Hawk Ridge Medical Associates6261 Ronald Reagan Dr., Suite B19

Lake St. Louis, MO 63367

Melissa Lueking, MD Scott Roos, MDMark Howard, MD

Danessa Brown, MD Vera Lynskey, MDJennifer Hayes, MD

Family Physicians of St. Peters70 Jungerman Circle Suite 302

St. Peters, MO 63376

Cindy Fortado-Clark, MD Michele Thomas, MD

Mid Rivers Family Physicians6131 Mid Rivers Mall Dr between Hwy 94 & Hwy N


Pheasant Point Physicians3449 Pheasant Meadow Dr. Suite 107


Heather Williamson, DOSean McIntosh, DO

Linda Therkildsen, DO Jennifer Szalkowski, MD

Belleau Creek Family Care8089 Mexico Road (at Belleau Creek)


Integrated Family Health20 Progress Point Parkway, Suite 222,


Amy Grawey, MD

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30 I sports I sEptEMBEr 28, 2011MID rIVErs NEWsMAGAZINE NEWsMAGAZINENEtWorK.CoM

By Amy ArmourJunior football players will have to play

in the dark this fall—or start practice ear-lier.

John Wiemann, football coach and spokesman for the Junior Football Pro-gram, asked the Fort Zumwalt Board of Education on Sept. 19 to consider allowing the junior football teams to utilize portable lights on the high school fields during prac-tices. But a change in policy in 2010 will prevent that from happening.

The four teams — which consist of about 350 sixth- through eighth-grade boys — generally practice from 5:30 p.m. to about 8 p.m. three nights a week at each of the four high schools.

Wiemann said that by the time practice is ending it is getting dark.

“It’s fine right now, but in a couple of weeks we’re going to run into problems with the lighting situation,” Wiemann said.

Wiemann said the portable lights would be no cost to the school district and the lights would only need to be used for the months of September and October.

But the Board of Education revised its

policy in June 2010 and portable lights are no longer allowed on the high school sports fields.

Fort Zumwalt Superintendant Bernie DuBray said when East High School was under construction extra money was spent to contain the lights and sound from the football field so the surrounding neighbor-hoods would not be affected.

“Portable lights and generators are noisy,” DuBray said.

Wiemann acknowledged the noise asso-ciated with a generator, but suggested poll-ing area residents to see if they would be bothered by the lights.

“I’d like us to explore this if possible,” Wiemann said. “(The lights) would only be on until 8 p.m. and I don’t think that would be a major burden.”

DuBray said that he did not want to draw people to the back of the property line which is closer to houses in the residential area.

“I think there were some good reasons we adopted the policy,” DuBray said.

Board member Renee Porter asked if it would be possible to start practices earlier

in the evening.“It’s something we are exploring, but a

lot of our coaches that volunteer…don’t have the flexibility in their jobs to be there at 3 p.m.,” Wiemann said.

The junior football teams will have to find another solution to the lighting prob-lem because Board President Mike Price said the policy would not be reviewed again until June 2012.

FZ board turns out the lights on junior football

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BusinessPEOPLE

Edward Lott, has been hired as sales profes-sional and marketing manager at Lombardo Homes, of O’Fallon. Lott brings more than 25 years of experience to the position and will be responsible for sales in multiple locations and management of marketing activities.

PLACESVisiting Angels has celebrated its move

to a new location in St. Peters with a rib-bon-cutting ceremony. It is located at 6067 Mexico Road in St. Peters.

• • •Parameter Security, of St. Charles County,

has officially become a Prometric Testing Center. The Authorized Prometric Testing Center, set up by Parameter Security, will deliver exams that lead to certifications for many of the IT industry’s leading compa-nies.

“We are thrilled to open this new Promet-ric Testing Center,” CEO Renee Chronister said. “It fits together well with our training at Hacker University and Parameter Uni-versity. We are also excited to be the first Prometric Testing Center in St. Charles County. We see this as a considerable advantage for Prometric clients.”

• • •Rib City has celebrated the opening of its

second location in Missouri with a ribbon-

cutting ceremony. It is located at 3891 Mid Rivers Mall Drive in St. Peters.

• • •Archway Spas has celebrated its grand

opening with a ribbon-cutting ceremony. It is located at 86 Spencer Road in St. Peters.

HONORS & NETWORKINGMayor Sally Faith and the St. Charles

Economic Development department dedicated a plaque at the St. Charles City Council meeting, in honor of the late Jack Heck. This past May, the city renamed its Employer of the Year award in the category of “Manufacturing/Industrial, the Jack Heck award” in memory of St. Charles’ economic development friend, partner and colleague.

The plaque will reside in the lobby of City Hall and will be updated each year with the name of the business entity honored in the category. In 2011, Richard Jensen of Rx Systems, Inc. received the inaugural Jack Heck honors.

• • •The Home Builders Association of St.

Louis and Eastern Missouri has recognized Payne Family Homes twice with its Pro-fessional’s Choice Awards – one for the “Meridian” ranch at Ohmes Farms in St. Peters and the other, for the “Bristol” two-story display at Ashton Woods in Eureka.

Professional building inspectors judge the contest, and entries are evaluated in 10 construction categories, such as founda-tion, framing, flatwork and interior/exterior finishes.

State-of-the-art showroom

siegler’s Kitchens & baths has moved into its new, 2,000-square-foot showroom at 18 sanders Drive in O’Fallon.

siegler’s offers kitchen and bath cabi-netry, solid surface and laminate countertops for new construction and remodeling hom-eowners.

It also offers com-plete remodeling of kitchens, bathrooms, home offices and com-pany.

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32 I cover story I sePteMBer 28, 2011MID rIvers NeWsMAGAZINe NeWsMAGAZINeNetWorK.coM

By Mary ann O’TOOle HOlleyIt frightened Peggy Otto when she came

home from work one evening and found a bright orange sticker on her front door with the words “St. Charles County Sher-iff’s Dept.” emblazoned across the front. An attached note said they had a delivery for her.

When the package arrived, she found that a collection agency was serving her with a court order regarding a debt she knew nothing about.

During these tough economic times, trouble paying bills is not unusual. On the other hand, “debt buyers” are capitalizing as collection agencies hound unsuspecting people about bad debts — when in many cases the debt wasn’t theirs or was too old to collect.

“I went to the St. Charles County Court-house on the day specified and 90 others summoned by that company were on the docket that day alone,” Otto said. “Before the court date, I did some research and found they had a storied reputation for unscrupulous collection practices, and that they were ‘debt buyers,’ a company that buys names and numbers for pennies on the dollar and reaps 100 percent profit on any funds collected.”

In Missouri, complaints against debt col-lectors led the list of complaints, with more than 2,200 calls to the Attorney General’s office from consumers. Because there is no state law regarding debt collectors, com-plaints are being turned over to the Federal Trade Commission (FTC), but because of manpower, the FTC only goes after the largest situations.

The FTC received 120,000 complaints in 2009 and 140,000 in 2010, which is the most it has ever received, said St. Louis Better Business Bureau Investigator Bill Smith. In 2008, the FTC received 78,925 complaints.

The Minnesota Attorney General sued the same collection company that is going after Otto for using “robo-signed” affida-vits in collection lawsuits against Minne-sota residents.

“Numerous employees have admitted in sworn testimony to signing up to 400 false affidavits per day, either without read-ing them, without personal knowledge of their contents, and/or without verifying the accuracy of the information to which the affidavits attest. The robo-signed affi-davits were then filed in court to ‘prove’ the alleged debt to the court,” the Attorney General said in a release.

Bulk purchases of consumer debts often include just a spreadsheet listing each per-son’s name and the amount owed. Otto learned that the company going after her

has a computer system that generates unsigned affidavits.

The list of state lawsuits or investiga-tions of unscrupulous collection agencies goes on and on.

Fight backBefore going to St. Charles County Cir-

cuit Court, Otto followed advice posted on a “Credit Information Center” blog that shared their experience with a notorious debt buyer/collection agency. She said she found it important to ask any collection agency to authenticate the debt, showing proof that the debt is yours.

In Otto’s case, the collection agency did not produce a contract or other tangible information about the debt, and a court date was continued.

“The only reason they brought me to court was to try to get me on default. The minute they called my name and I answered, the lawyer asked for a second call. They did that on every person who was there. If they weren’t there, the lawyer said ‘default,’” Otto said.

Otto told the attorney they failed to provide her with proof of the debt, and he responded by asking her to provide them with information, and then said he’d see her in October.

“They’re asking me to provide docu-ments when I have no idea what this debt is about,” Otto said. “If they had proof, they would have provided it to me, but they try to trick you with all the questions they ask.”

Otto says she learned that in most cases, individuals contacted through the courts by the collection agency failed to show. When that happens, the debt buyer wins by default and can proceed with garnishing wages or other means to collect a debt that they have no paperwork on.

“I was almost laughing in court, because

basically what happened with me is they just found out they aren’t getting a default judgment,” Otto said. “The problem is that most people don’t go to court to fight it and end up being sued by default. The company then garnishes, or attempts to garnish, their wages.”

Debt-buying industry boomingDebt buying is an investment that brings

more dividends the deeper the recession hits.

In the past three years debt collection lawsuits driven by the debt-buying indus-try have risen and bad debts have become cheaper and cheaper to buy. The less third-party collection agencies pay for the debt the greater their profit.

“Unfortunately, all the laws in the world don’t prevent unscrupulous debt collectors from trying anyway,” Otto said. “In fact, they’re counting on the fact that most con-sumers aren’t aware of the laws.”

Otto says she has also learned that as times get tougher, there’s always someone out there with a new way to make a buck.

“I found one article that said there was a company in Minnesota that made their money calling up relatives of deceased loved ones asking if they wanted to settle a balance on a credit card or bank loan,” Otto said. “Under law, they have no obligation to pay, but who wants to be responsible for leaving mom with a bad name?”

Warning from the BBBThe St. Louis area Better Business

Bureau’s Consumer Fraud Task Force issued an advisory earlier this year warn-ing consumers to know their rights if they are contacted by businesses attempting to recover debts.

BBB-St. Louis Investigator Bill Smith said the Federal Trade Commission’s Fair

Debt Collection Practices Act sets out spe-cific rules on how collectors must operate.

“In this difficult economy, people who have never before dealt with debt collec-tors are receiving phone calls,” Smith said.

In many cases, the problem comes in when these independent companies purchase debts for pennies on the dollar because the banks don’t want to take the time to collect, Smith said.

“We’ve noticed it quite a bit, that as people find it harder to pay bills there is more and more debt collection. As it becomes more difficult to collect, collectors become more aggressive and many operate outside of the law,” Smith said. “We get inquiries all the time about collectors who have threatened to take people’s homes or to sue them, and they weren’t even able to prove the debt. To prove the debt, they have to have writ-ten proof. Typically it would be an affida-vit saying they owed the debt and what the debt was for.”

Sometimes, these callers are trying to collect on debts that were settled years ago or never existed at all. But even call-ers trying to collect on legitimate debts can become overly aggressive and violate con-sumers’ rights, Smith said.

“We’re telling consumers they need to know their rights. We are getting calls nationwide about people who have paid off debts but continue to be bugged by col-lectors who they don’t owe,” Smith said. “These guys threaten to put them in jail, refuse to send them any kind of notifica-tion; they threaten to sue when they have no intention of doing that. A lot of these companies just operate on the fringe of what’s legal or cross the line.”

In April the St. Louis area BBB inves-tigated two companies that had been sued in federal court for violation of the Debt Collectors Act. Regent Asset Management Solutions or Imperial Recovery Partners both operated debt collection call centers in recent months out of Overland Park, Kan. Regent also had offices in Denver, Colo. In December, a judge in Denver ruled that Regent Asset Management Solutions and its president, Michael A. Scata, were col-lecting debts from consumers illegally, ignoring an order restraining its collection activities.

In March the FTC went after another col-lection agency and the business had to pay more than $2.8 million.

“Our court system in St. Louis is just filled with cases alleging violations of the Fair Debt Practices Act, as do a lot of other states,” Smith said. “A consumer needs to know when a debt collector has crossed the line, and if they have, that’s the point where I would call both the BBB and the FTC.”

Bad deBts: Some collectors are going after fake debts

the Better Business Bureau offers the following advice to consumers contacted by a debt collection firm:

Know your rights. Under federal and state law, debt collectors are prohibited from using threats of violence or harm against a person, property or reputation. they cannot threaten to garnish your wages unless they intend to do so, and can-not use phone calls to repeatedly harass you.

Ask for written proof of your debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt.

tell the collector in writing to stop contacting you. Under federal law, a debt collector cannot continue to contact you – at work or home – once you have told them in writing to stop.

If you have a complaint, you can file with your state’s attorney general, the Federal trade commission (www.ftc.gov) or the BBB.

check out a company’s BBB Business review by going to www.bbb.org or by calling 314-645-3300.


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Family Owned &Operated Since 1983

WE SEE PERFECT INDOORWEATHER IN YOUR FORECAST.

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Imagine coming home everyday to an environment that’s as fresh,clean, and healthy as it is comfortable. Now is the perfect time tomake that a reality, with a Trane high-performance heating andcooling system.And with up to a $1,250 Instant Rebate on quali-fiying purchases made between August 16 and October 31,2011, it’s never been so easy to own one

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Or… Choose Zero Interest if paid in full within36 Months or 5.9%APR Financing.*Plus… Get up to $500 in Federal Tax Credits.Ask you dealer for details. Hurry! Tax Creditsend December 31, 2011.For financing program, interest will be charged from the pur-chase date if the purchase balance is not paid in full within thepromotional period or if you make a late payment



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34 I events I sePteMBeR 28, 2011MID RIveRs neWsMAGAZIne neWsMAGAZInenetWORK.COM

FESTIVALThe Chautatuqua Fall Festival will be

held from 9 a.m. to 5 p.m. on Sat., Oct. 1 at WingHaven. The festival will include a 5K and 10K walk, a WingHaven’s Got Talent Competition, festive food, drinks and music.

The event will also include a unique mix of performing arts on the Board Walk, progressive educational experiences at Webster University and recreational activi-ties. For more information, visit www.wroa.info.

BAND COMPETITIONThe Francis Howell Spartan Regiment

will host its 10th annual Coliseum Classic Marching Band Competition at 10:30 a.m. on Sat., Oct. 15, at Francis Howell High School. To date, 17 bands are scheduled to compete.

Admission is $5 for adults; $3 for seniors and children; and children under 5 are free. The bands compete throughout the day, with the finals held during the early eve-ning hours.

FUN & GAMES

An Active Older Adults Game Day will be held from 10 a.m. to noon on Thursdays at the O’Fallon Family YMCA located at

3451 Pheasant Meadows Drive. Seniors are invited to play favorite board games, cards or dominos. Bring a snack and sto-ries to share. For more information, contact Diana Kannady at 379-0092 x230.

• • •A Kid’s Night Out “Dance Party” will be

held from 7 p.m. to 10 p.m. on Sat., Oct. 8, at the O’Fallon Family YMCA, 3451 Pheasant Meadows Drive. The cost is $10 per child in advance or $15 per child at the door. Concessions will be available for purchase.

For more information, contact the Ser-vice Center at 379-0092.

• • •O’Fallon’s Table Tennis League will

start at 1:30 p.m. on Sun., Oct. 16, at the Renaud Spirit Center. Games will be held from 1:30 to 3:30 p.m. on Sundays for 10 weeks. Game balls will be provided, but players must bring their own paddles. The cost is $50 for O’Fallon residents and $56 for non-residents. Register by calling, 474-2732 or at www.ofallon.mo.us/Parksan-dRec.

• • •The Academy of the Sacred Heart’s old-

fashioned fall festival will be held from 10 a.m. until 5 p.m. Sunday, Oct. 9 at the school, located at 619 N. Second St. in St. Charles. Inside and outside children’s games, sports challenges, a marketplace of

fall and garden décor, musical entertain-ment, kettle beef and fried chicken dinners and barbecue will be offered. The kickoff event, a 5K Run and 1 Mile Fun Run/Walk, begins at 8 a.m. For more information, call 946-5632.

ARTS & ENTERTAINMENT

Art Romp 2011 will begin at 6 p.m., Oct. 14, at the Foundry Art Center. Visitors can get their fingernails dirty with Firecracker Press as they combine historic printmaking with modern design. Feel the temperatures rise with glass blowers from Nomadic Glass. Experience the fiery excitement of a classic iron pour. Get down and dirty with some of the area’s most talented artists as they demonstrate photography, welding, pottery, aerialists, fire breathing, belly dancing, painting, and live music. The cost is $20. For more information, call 255-0270.

MEETINGS

The St. Charles County Historical Soci-ety Quarterly Meeting will be held at noon on Sat., Oct. 22, at Stegton’s Regency located at 1450 Wall St. in St. Charles. Michael Henry will discuss “The Ghosts of Saint Charles.” The meeting is open to the public. The buffet lunch is $15. Reserva-

tions can be made by calling 946-9828.

JOB FAIRA Fall Job Fair will be held from 10 a.m.

to 2 p.m. on Thurs., Sept. 29, in Civic Hall, 305 Civic Park Drive in O’Fallon. Admis-sion and parking are free. The fair will have positions for professionals, as well as skilled and unskilled workers. Job-seekers should dress professionally, bring copies of their resumes and have pens on hand for filling out applications. The Fall Job Fair is sponsored by the city of O’Fallon, the O’Fallon Chamber of Commerce, the Missouri Career Center and the Missouri Employer Committee. For more informa-tion, call the Missouri Career Center at 255-6060.

HAYRIDEOld-fashioned, tractor-pulled hayrides

will be held at 6:30 p.m. on Wednesdays, Thursdays and Fridays; and at 3:30 p.m. or 6:30 p.m. on Saturdays and Sundays through Nov. 13 at Fort Zumwalt Park. The cost for up to 25 passengers is $99 for O’Fallon residents or $110 for non-residents. Reservations must be made two weeks in advance. To make reservations, contact Paula Creech at [email protected], or call 474-8121.

Community Events

9am-1pm

Saturday, October 1, 2011On The Boardwalk • 9am - 5pmWinghaven’s

Got Talent•

Free to Enter!Win CASH

PrizesRegister by 2pm

5K /10K Walk•

Arts Happening

• Lifelong

Learning Series•

Music•

Taste of WingHaven

CO-CReaTing a HealTHy COmmuniTy Visit www.wroa.infoVisit www.wroa.info

please like us on

Facebook.com/midriversnewsmagazine

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FREE ADMISSION &

PARKING

For details, 636-379-5614 or www.ofallon.mo.us/FallFest

FRIDAY, OCTOBER 7Vendor Booths 5–10 p.m. • Street Dance 7–10 p.m.

SATURDAY, OCTOBER 8 9 a.m. - 4 p.m.

Civic Park • O’Fallon, Missouri

• CraftVendors• FieldofFunKids’Area• FestivalFood• MainStageMusic•FallFest5KFunRun Oct. 8 at 7:30 a.m.

Craft Baza

ar&Craft B

azaar

&

Things are different than they were three years ago in 2007, when the Dow Jones was above 14,000, your home increased by 15% every year and cats and dogs played nice together. Things are different, and that’s okay because there has been a shift in the definition of retirement for the last several years, one that’s not totally dependent on the market or housing.

New realities are re-shaping the American retirement. That calls for new strategies, and not just in your planning during the years leading up to your retirement. Your investment needs are different during the distribution years, due to factors known – and unknown.

What factors do we know will affect retirement funding?

We know that we need to plan for longer retirements. With health care advancements and healthier lifestyles, we’re now living longer than past generations – and retirement could potentially last 25 or 30 years, or even longer. Life expectancies are much longer today than 65 years ago.

We know that the sequence of returns has a big impact on how long our money lasts. In the accumulation phase of retirement saving, the sequence of market returns is not as important as long as the money remains invested. But it has a big impact once we begin taking distributions in retirement. Your

sequence of returns impacts how long your money lasts.

Become More Diversified With Your Income. Folks in the new retirement don’t rely on Social Security on their pensions. They seek ways to create additional income.

We need more lifetime income, to replace what we lost when traditional pensions were replaced by 401(k)s and IRAs. We need new ways to think about the need for lifetime income to replace what we’ve lost.

We need to protect our retirement savings from market downturns. 86% of boomers surveyed want help protecting the safety of a significant portion of their nest egg.

THE BOOMERS ARE COMING

Every day 10,000 people are turning age 65 and living longer and they are concerned about outliving their income.

Questions all new retirees face.• How long will my money last? • Will I need long term care? • What are my taxes going to be? • Is my income guaranteed not to change? • When is the best time to take my Social Security? • Should I roll my 401K to an IRA? • How much should I have in risk?

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By SUZANNE CORBETT Ask Toni Arcobasso to name the most important ingredi-

ent at her restaurant, and she will say tradition. “I love this business. It’s our family tradition, and my

dad taught me everything I know,” Toni said. Toni’s father, Tom, established the Arcobasso’s restau-

rant tradition after he opened his first restaurant almost 40 years ago in Dellwood, Mo., where he built a reputation on providing customers with a dining experience based on uncompromising quality and personalized service.

“We have customers that have followed us from Dell-wood to St. Charles to our restaurant here,” Toni said.

Customers now include the children – and grandchil-dren – of those early customers.

T. Arcobasso’s in Weldon Spring opened only two years after Toni’s parents retired from the business. Today, it features the same menu Toni’s father created.

“They worked for him for 33 years, so I’m not changing anything,” Toni said.

Listed on the menu since those early Dellwood days is the Chicken Christina, a breaded boneless chicken breast

topped with white sauce and garnished with broccoli, cau-liflower and mushrooms, which remains a customer favor-ite. Chicken Concetta is another recipe the restaurant has had since the beginning. Topped with mushrooms, cheese and a lemon butter sauce, the popular dish was named in honor of Toni’s grandmother.

While having a recipe named in one’s honor is a com-pliment, it also is a hallmark of an Arcobasso’s signature dish.

Steak Spencer, named after a nephew, features what Toni calls the best steaks in St. Charles, a charbroiled, 12-ounce strip crowned with shrimp and bacon in a honey Drambuie glaze. Filet Concetta mirrors its preparation for chicken, topping an 8-ounce tenderloin with mushrooms, provel cheese and lemon butter sauce.

Pasta classics, such as fettuccine, pasta con broccoli, lasagna and manicotti, are featured along with another Arcobasso’s special, Pasta Dominique, which tosses crawfish and charbroiled chicken in a Cajun cream sauce. Seafood-studded Pasta Julia offers customers a choice between the custom-made red sauce or Arcobasso’s’ famous creamy white sauce.

To keep the recipes true to family standards, Toni depends on taste.

“You have to be consistent, and the best way to do that is to taste to make sure it’s the way it’s supposed to be,” Toni said. “Consistency is everything.”

Pizza is another Arcobasso’s classic that has been a con-sistent winner since 1972. Following St. Louis tradition, the crust is thin and baked crisp, the sauces are homemade and toppings are prepared fresh. The Broccoli Garlic is

built with butter garlic sauce and topped with broccoli and provel cheese, a creative pizza variation with lots of flavor. All pizzas are made to order, allowing for any combination of sauce and toppings.

Hot sandwiches range from roast beef and burgers to meatballs and fish.

Do not forget to try a salad tossed with the Arcobasso’s Creamy Italian house dressing, a favorite that is bottled and sold throughout St. Louis.

With almost 40 collective years as restaurateurs, the Arcobasso tradition stands strong.

“It’s our tradition that we’re proud to continue,” Toni said.

From left, Christina and Toni Arcobasso.

T. Arcobasso’s continues family tradition of fine Italian cuisine

T. Arcobasso’s Italian Ristorante1057 Wolfrum Road • Weldon Spring

(636) 300-46804 p.m. to 10 p.m., Tues. – Thurs.

4 p.m. to 11 p.m., Fri. – Sat.4 p.m. to 9 p.m. on Sun.www.tarcobassos.com

D I N I N G

636.591.0010

A Cut Above The RestFamily Owned & Operated Since 1972

$5 OFF with $25 purchaseExcludes weekly specials, Not valid w/other discounts,

must present coupon. Expires 10/15/11.

SteakS • PaSta • Seafood • Pizza& their famouS Salad dreSSing

Recipient of the 2010 24 Carrot Gold Food Safety Excellence Award !

1057 Wolfrum at Hwy 94 • 636-300-4680 • www.tarcobassos.com

The Tom Arcobasso Tradition Continues

Wine Bar Wednesdays at

October 5 & 19 at 6:30pm $15/Person includes 2 Whites, 2 Reds & Appetizers!

Happy HouREvERydAy At

8653 Hwy N Lake St. Louis 636.561.6966 www.donatellisBistro.com

7 Days a Week • 3pm-6pm • Drink SpecialsComplimentary Appetizer Tasting!

Live Entertainment

Every Wednesday, Friday & Saturday

Sirloin Filet Dinner with Dessert $19.95salad, fresh hot rolls and your choice of potato

Fresh Mahi Mahi Dinner $18.95salad, fresh hot rolls and sauteed vegetable medley

Since 1978

16125 Chesterfield Pkwy. West636-530-9800 • www.AndriasChesterfield.com

Open Mon, Tu, Sat 4pm; Wed-Fri 11am; Sunday Brunch 10am-1:30pm, Dinner 4pm

Buy One,Get One FreeLimit two per table. Not good with any other offer.

Expires October 9, 2011.

BRU

NCH

Buy One,Get One Free

Not good with any other offer. Of equal or lessor value and requires the purchase of two beverages. Expires

October 11, 2011.

LUN

CH

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Weeding • Trimming ShrubsLeaf Removal

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PatiosDriveways

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“Your Sweep for Life”

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Call About Tuck Pointing,

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SHOWERS REBUILTBATHROOMS REMODELED

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• 14770 Clayton Road •Visit our Showroom

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Specializing in installation for two story homes with no wiring on first floor.

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Assisted Care

Skips Hauling & Demolition! Serving the Bi-State Area including St. Charles County. Appliances, furniture, debris, construction/ rubble, yard waste, excavating & demolition! 10, 15 and 20 cubic yard rolloff dumpsters. All type clean outs & hauling! Affordable, dependable and available! No conditions! 20 yrs. service. Toll Free 1-888-STL-JUNK ( 8 8 8 - 7 8 5 - 5 8 6 5 ) o r 3 1 4 - 6 4 4 - 1 9 4 8

A preferred home care choice since 1987. College degreed professionals provide care/companionship. Why accept less? Competitively priced options. Care managers and clinical staff available. Bonded & insured. AAA screened. Call Gretchen at StaffLink (314) 477-3434. www.Stafflinkusa.com

Furniture Repair

Prayers

Call EllenClassifiEds

636.591.0010

Looking For In Home Care?Providing In Home Care for Seniors and the Disabled• Our ability to deliver services in customized packages-hourly, live-ins, couples care, bath visits, sleepovers, and respite care• Call to see if your loved one qualifies for Veteran's BenefitsYes, we are bonded and insured

Call Right At Home

636-379-9955www.stcharles.rightathome.net In Home Care & Assistance

Hauling

Hauling

St. Charles Junk is your local bulk and container service company catering to the St. Charles and sur-rounding counties. We haul it all...basement and garage cleanouts, appliances, yard waste, construc-tion debris, and NOW OFFERING CONTAINERS! For the best service and pricing call St. Charles Junk at 636-697-7825.www.stcjunk.com.

Cleaning Service

Electric

Senior Services Unlimited

Top Quality Home Care Service since 1987

Our Not-For-Profit Agency can serve you at the most reasonable cost

Don't Overpay for Homecare!• RN • LPN • CNA • NA

• Companion Care • Full time • Part time

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seniorservicesunltd.com

Plumbing

Plumbing

XTREME CARPET CLEAN• Carpet Cleaning

• Spot/Stain, pet odor removal• UpholStery & mattreSS Cleaning

Carpet restretChing & repairsCall now for free Carpet Cleaning speCial

314-680-6860www.xtreme-CarpetClean.Com

Painting Services

Wanted

ANYTHING IN PLUMBINGGood Prices! Basement

bathrooms, small repairs & code violations repaired. Fast Service. Call anytime:

314-409-5051

Core Aeration - $40, Dethatching $155 most yards & leaf removal. Bag it/Drag it your old chainsaw, up to $150 off on new Powerful Turbo Jonsered chainsaw. Com-mercial walk-behind mowers starting at $2348 with Free Sulky. Leaf Blowers & Generator sales. Buy-Sell-Trade mowers. Mow-er Repair & Tune-ups, please call 636-978-0292. Visit www.lawnandmowerdocllc.com.

Licensed Federal Firearms DealerTop Price Paid • Any Condition

You Come to Us or We Come to YOU

Mark at 636-233-4544

GUNS WANTED

Two Ladies & a BuckeTTwo Are Better Than One!

Deep and Thorough Cleaning Service

Please Contact Susie Duncan at 314-229-1736

www.twoandabucket.com.

The FaN Guy - Trained & expe-rienced tradesman available for light electrical services: new outlets/switches, attic fans re-pair, lighting/fan installation & repairs. Fair, dependable & hon-est. Call Paul 636-734-8402

Thomure Plumbing LLc - Quality, Full Service Commercial & Resi-dential since 1980. New Installa-tion & Repair. Reasonable Rates. Call Mike today for a FREE ESTI-MATE (636) 262-6489.

Landscaping

Landscaping

Classifieds636.591.0010

DON'T BREAK YOUR BACK!ALL LANDSCAPING!

FALL CLEAN-UP • Leaf RemovalReasonable • FREE Estimates

BRUCE & SON Landscaping & Power Washing

636-322-9011

Help Wanted

V i e w A l l A d s O n l i n e A t n e w s m A g A z i n e n e t w O r k . c O m

M I D R I V E R S C L a S S I F I E D S

636-230-0185FREE Estimates

We Use Environmentally Friendly - NO VOC Paints

Drywall Cracks RepairWood Trim Repair

Masonite ReplacementExterior/Interior Specials

Concretee

Winter is coming! Concrete seal-ing one-time application. Per-manent solution against salt at-tack. Call Power Wash Solutions at 636-675-1850 or visit www.pwsno1.com.

Novena to the Holy Spirit Holy Spirit, you who make me see everything and show me the way to reach my ideals. Give me the divine gift to forgive and forget them all who have done wrong to me. I, in short dialogue, want to thank you in everything and confirm once more that I never want to be separated from you no matter how great the material desires may be. I want to be with you and my beloved one in our perpetual glory. Thanks for favors. Pray this prayer for three consecu-tive days without asking for wish. After third day, wish will be granted no matter how difficult. Promise to publish this dialogue as soon LY

Professional Repair & Restoration Services by Vintage Workshop

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F/T administrative assistant: Assist in admin./office functions: arrange meetings, client con-tact & ongoing projects. XCLNT phone skills & Microsoft Office. Bachelor’s degree req. Email re-sume to: [email protected]. Fax: 636-536-9456. N/S Environment

?Ask the

Expert

This month’s columns feature:

A special online collection of helpful columns from

local experts.Av

aila

ble

excl

usiv

ely

at:

ww

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ewsm

agaz

ineN

etw

ork.

com

filTeringThe air

Murphy Giegerich CMInstructor, Service Manager

Indoor Comfort Team

eye on sTyle: fall fashion

Marta GaskaMarta’s Boutique

accessorizing your bookcase

Jeanie HoodThree French Hens

It just keeps getting better.

Visit the all new newsmagazinenetwork.comThe official internet home of West & Mid Rivers Newsmagazine

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