Endless Reasons To Visit Maryland Heights

St. Louis, Missouri (April 16th, 2018)- If looking for a city to visit or live in St. Louis County, Maryland Heights, Missouri is the place to consider. With over 26,000 residents and 4,000 hotel rooms, there is plenty of room for everyone. Take into consideration all there is to do in this city, including the casino, amphitheater, waterpark, restaurants, and shows. You will never run out of fun ways to entertain yourself and the family in this city.

You could spend days at Hollywood Casino without even knowing it. Inside are numerous restaurants, a nightclub, and a hotel, making it difficult to ever leave. Just moments down the road is the amphitheater where guests spend a summer evening listening to their favorite artists perform. Don’t forget about the shuttle that takes guests to and from the venue back to the casino so you do not have to worry about parking or driving.

Next, spend the day outdoors at Creve Coeur Lake Park, the biggest park in St. Louis County. Guests can walk the trails, kayak on the lake, or play 18 holes of disc golf to get their exercise in for the day. Take the kids to the playground, then let them cool off in the spray fountains after a long day in the sun. The breathtaking landscape at Creve Coeur Lake Memorial Park is enough to make any visitor want to come back for more.

As you can see, there are countless places to visit in Maryland Heights that you will not want to miss out on. Head over to the website to find out what events are going on in the upcoming weeks.

Visit Maryland Heights

PO Box 2125

Maryland Heights, MO 63043

The People’s Counsel Continues To Win For Their Clients

St. Louis, Missouri (April 6th, 2018)- Being accused of a crime is a terrifying thing, yet there are criminal defense attorneys in St. Louis that are experts at receiving not guilty verdicts and lesser sentences. Some examples of this would be these two recent cases, one involving a man who was acquitted of drug possession charges and another involving a man that had his life sentence reduced to only six years. With the help of the People’s Counsel, the lives of these men have been dramatically changed for the better. Having a lawyer that will fight for you no matter what can be a make or break point for a case.

The man that was acquitted of his drug possession charge was tased twice by the police, who forced themselves into a home thinking they would find multiple firearms and narcotics. They ended up only finding a backpack containing marijuana, and it came out during the trial that the man was only a guest in the home, therefore he received a not guilty verdict.

The other case contained a 1st-degree murder charge where he was accused of shooting the victim three times in the chest. After a lengthy and drawn out case investigation, the possibility of a successful trial went out the window. The man was sentenced to the minimum six years in prison, which was greatly reduced from the life sentence he was originally facing.

Having a lawyer that will stand up against the police or other officials who treated their clients unfairly can make the world of difference. The People’s Counsel cares about their clients and offers free consultations to understand the entire legal process. The team is on your side to help to deliver justice at all costs.

4542 W Pine Blvd Suite 200,

St. Louis, MO 63108

Removing Some of the Stress For Students

St. Louis, Missouri (March 14th, 2018)- Imagine being in high school and thinking about everything you are expected to do. From getting good grades, to cleaning your room, to working hard playing a sport, to possibly even having a job. The responsibilities are starting to pile up for possibly the first time in their lives, which could be very stressful. Now add the stress of college and standardized tests that come with that. It’s hard to blame them if they are not producing the scores they may be capable of. To remove some of the pressure they are facing, some ACT/SAT test prep may be helpful.

Mackler Associates offers tutoring sessions to students grade 5 through graduate school in all areas, including SAT and ACT test preparation sessions. These tutoring sessions are done in one-on-one settings to ensure they are tailoring to the student’s learning styles. Mackler’s test preparation and lessons are proven to raise ACT and SAT scores significantly for almost every student. Another area they excel at is helping students receive 4s and 5s on the AP Exams many take in their Junior Year of high school. The scores on these exams could be the difference on if a student gets into their desired college or not, as well as the scholarship amounts. Doing everything possible to help your child be prepared will only benefit them in the future.

Make sure to get scheduled for the ACT or SAT before the end of the academic year. If students sign up to take an ACT/SAT test prep course by March 31st, they can receive $100 off the price! Get signed up for the test prep course, as well as the test itself. Dates for the ACT include April 14, June 9, and July 14. SAT dates are May 5 and June 2.

Mackler Associates

1067 N Mason Road #5, St. Louis, MO 63141

Three Types of Loans To Consider When Buying a Home

Three Types of Home Loans To Consider When Buying a Home

Buying a home is no small feat. Not only can the process be stressful and grueling but it’s also unbelievably expensive. However, there’s no denying that buying a home is a major part of the American Dream. One of the main goals in life of so many Americans is to, one day, own their own home. Though so many people work their entire lives to meet this goal, it might appear impossible. However, there are dozens of options when it comes to loans and financial assistance. Here are just three types of loans to consider when buying a home.

USDA Home Loans

USDA Rural Development Loans are housing loans offered by the United States Department of Agriculture, the same people who certify your steaks and hamburgers. So why is the USDA offering housing loans? The USDA offers housing loans to encourage home buyers to move from developed and industrialized areas to rural developing communities. One way to encourage someone to move somewhere is to offer them affordable housing. The major catch of the USDA Housing Loan is that the home you wish to purchase must be located outside of suburban and urban communities.

The USDA offers various tools to determine whether or not you’re eligible for a loan. In addition to this loan being restricted to certain areas of the United States, most lower to middle-income applicants will have better luck than upper-middle and upper-income applicants. Again, this loan is meant for younger families and individuals in a middle or lower income bracket looking for a home outside of the city. However, if you’re approved for this loan, you’re in great shape as it’s borrower-friendly.

Here’s an overview of the USDA Home Loan as compared to a Conventional Home Loan

  • USDA Loan: Limited to Select Areas, Primary Housing Only
    • Conventional: Not Limited, All Housing
  • No Down Payment
    • Down Payment Varies
  • Fees, $100 per $100K Borrowed
    • Fees Vary
  • Monthly Premium
    • Monthly Premium Varies
  • Insurance Required, Can Be Added to Mortgage
    • Insurance Varies, Usually 20% of Loan Amount
  • 640 FICO Score of Higher
    • As Low as 620 FICO Score

VA/Military Home Loans

VA Home Loans are another exclusive and restricted loan, however, it might be less restricted than you think. The following are eligible for VA and Military Housing Loans; active duty military, veterans, reservists, and spouses of those in the military or military veterans. If you fit into that list, it’s recommended that you apply for a VA Housing Loan. The VA Loan honors those who serve, have served, or have made sacrifices for a loved one who is serving or has served. It’s a borrower-friendly loan but still features some fees.

The VA/Military Housing Loan is not restricted to a geographical area or region, however, can only be used for a primary property.  Below is a comparison of the VA/Military Loan and a Conventional Housing Loan.

  • Primary Property Only
    • Any Property
  • No Down Payment
    • Down Payment Varies
  • Fees Due to VA Upon Applying
    • Fees Vary
  • No Insurance Required
    • Insurance Required, Typically 20% of Loan
  • FICO Score 620+
    • As Low as 620 FICO Score

Both options, if applicable to the home buyer, are great alternatives to conventional fixed rate  home loans that can be burdensome with high down payments, expensive insurance, and low borrowing amounts. If you’re considering housing in a rural community or are part of the US Military, these loans may be a great fit for you and your family.