Digital Marketing Examples By Penpath

ST. LOUIS, January 6, 2021 – PenPath, a marketing intelligence solutions provider and providing digital marketing dashboards, announced today the company’s expanded partnership with Improvado, a company specializing in marketing data aggregation. The expanded partnership, originally established in 2017, allows for easier access to, and seamless integration and visualization of, Amazon data, helping to position PenPath as a provider at the cutting edge of business intelligence and digital marketing dashboards for your company.

“We offer marketing teams unmatched automated insights that ultimately enable them to make data-driven business decisions,” said Alex Cruz, Founder and Chief Executive Officer, PenPath. “The recipe that produces those insights calls for innovative capabilities that others in the industry don’t have. That’s why we partnered with Improvado from the start to connect disparate – yet business critical data – from all platforms.”

With these new capabilities, PenPath doesn’t just visualize Amazon data, but models it so that it’s blended with advertising and sales data from other channels. The expanded partnership brings forth the ability to connect to Amazon Advertising and Amazon Marketplace Web Services (MWS) APIs, providing easier access to marketing and sales insights. Additionally, it enables better data integration, connecting data from advertising platforms such as Facebook, Google, and Amazon, as well as ecommerce platforms, such as Shopify, BigCommerce, and eBay.

“As a PenPath partner, we see that they’re at the cutting edge of business intelligence,” explained Ali Quigley, Co-founder, Improvado. “For three years, we have partnered with PenPath to automate and enhance marketing reporting workflows. Today, we continue this journey and now offer the ability to connect and visualize one of the most requested data sources in the industry which is Amazon Marketplace Web Services (MWS) and Amazon Advertising.”

About PenPath

PenPath is a Marketing Intelligence solutions provider specialized in providing guidance, professional-grade technology, and services for marketing teams. PenPath provides decision makers the largest library of reliable data, offering 360° visibility of sales and marketing performance. The solution delivers the most reliable insights on essential business KPIs, so marketers can make better decisions, minimize wasteful spending, and automate reporting workflows and showing marketing dashboard examples.

If you are looking for digital marketing dashboards, then PenPath can help you find what you need.

Find out more about PenPath:

About Improvado

Improvado is a cloud-based marketing data aggregation platform that enables enterprise marketing teams to drive ROI by connecting over 200 marketing APIs to any data visualization tool – all without the help of developers. Improvado takes the pain out of data-driven marketing by automating the marketing data pipeline, saving hours of manual work by aggregating and transforming cross-channel marketing data into one single view on digital marketing dashboard examples.

Find out more about Improvado:

Media Contact: Heidi Marino,


677 Craig Rd #206

St. Louis, MO 63141

(573) 738-0820

Great News on In Home Healthcare

St. Louis, MO, January 2021- Jacqueline B. Phillips, R.N., B.S.N, owner and founder of AccuCare Event Medical and AccuCare Home Health Care of St. Louis, has received the 2020 Entrepreneur of the Year award. The award is presented by EO St. Louis, in which Jacqueline was nominated by her peers and then voted on to accept the award. Jacque earned the award because AccuCare is St. Louis’ leading provider of in-home health care and medical event services. She had the expertise and foresight needed to develop and offer new COVID-related services which, during this pandemic, have addressed the changing needs of delivering healthcare. Jacque assisted in founding the EO St. Louis chapter in 1993 and was a board member from 2019 to 2020.

Other awards have gone to AccuCare Home Health Care of St. Louis and AccuCare Event Medical, including Ernst & Young’s Entrepreneur of the Year, The Better Business Bureau TORCH Award, St. Louis Business Journal’s 40 Under 40, and Caregiver of the Year, sponsored by VOYCE and offer expect level in home health care St. Louis.

AccuCare Home Health Care of St. Louis and AccuCare Event Medical celebrated 25 years of business in 2019. AccuCare Home Health Care of St. Louis is a private-pay, private-duty, in-home health care provider. Jacque leads a team of Registered Nurses, or RNs, to develop customized care plans and services that take into effect individual client needs. The rest of the team of CNAs and caregivers work together to deliver exceptional care every day as a home health care St. Louis.

AccuCare Event Medical provides on-site basic and advanced first aid services for events with a team of Emergency Medical Technicians, Paramedics, and Registered Nurses. The company provides services for Busch Stadium, the Dome at America’s Center, Enterprise Center, and other venues in and around the greater St. Louis area.

EO is Entrepreneur’s Organization, a global, peer-to-peer network of over fourteen thousand influential business owners. There are 198 chapters in 61 countries. EO allows leading entrepreneurs to grow and learn, which leads to greater business success.

AccuCare Home Health Care of St. Louis

1185 N. Price Rd, St. Louis, MO 63132
(314) 474-0020

Best Health Care Coaches Advice

St. Louis, MO — MEDI Leadership (MEDI) has announced the addition of William Barnes, Ph.D., MBA as executive coach to offer health care coaching through medi-leadership leaders and teams. In this role, Dr.Barnes will equip healthcare organizations to better meet emerging patient care demands and thrive in a fast-evolving environment.

A clinical psychologist for more than two decades, Dr.Barnes has served in executive leadership roles at Children’s National Health Systems, and the National Association of County and City Health Officials. During that time, his impact and reputation earned him large-scale, global consulting roles for the World Health Organization, UNAIDS and UNICEF. His coaching experience spans various industries including healthcare, banking and the military.

“Throughout my career, I’ve grown deeply passionate about the evolution of healthcare and public health dynamics,” Barnes said. “I’m excited to join forces with MEDI Leadership in equipping healthcare leaders to navigate uncharted waters in healthcare delivery.”

Lee Angus, president of MEDI Leadership, added, “We’ve watched Wiliam’s impact and rapport with healthcare leaders for a long time, and had the pleasure of collaborating on various assignments. We’re thrilled to have him on our team of coaches, and confident our clients will benefit greatly from his diverse leadership and clinical experiences.”

Dr. Barnes earned his BS in Business Administration from Virginia Commonwealth University, his MA and Doctorate in Clinical Psychology from DePaul University, and MBA from George Washington University. He is also a graduate of the George Mason Leadership Coaching for Organizational Performance. He lives in Washington DC with his wife, and has two daughters and son and is great with physician coaching.

About MEDI Leadership

Founded in 2000, MEDI Leadership is the nation’s largest executive coaching firm dedicated exclusively to the healthcare industry. MEDI coaches are known and respected industry experts with a unique blend of healthcare leadership and coaching experience. We offer executive coachingteam transformational development, and cohort-based coaching. MEDI Leadership offers great health care coaching.

MEDI Leadership
555 Maryville University Drive
St. Louis, MO 63141
Phone: 855.823.5292

Updating Your Pharmacy to Retain More Customers

It is more challenging than ever before for pharmacies to attract and keep customers. The digital age offers new options for filling prescriptions. 

Your customer may expect more communication and convenience than they ever have before. If you have concerns about adapting your pharmacy to the needs of the modern customer, here’s what you need to know.

Offer Options in Picking up Medication

If your customers have to come into your pharmacy every time to pick up their medication, they may be tempted to look at other options that are more convenient for them. You want to provide the four big hitters in medication delivery:

  • Multiple pharmacies. The more pharmacies you have to serve your customers, the more likely customers will be to use one of your locations. Managing accounts across those pharmacies enables customers to have a smooth experience no matter which location they use.
  • Home delivery. The last thing that your customer wants to do when they’re not feeling well is go to the pharmacy. Home delivery options are a huge perk for your customers. Make it easy with a home delivery application that lets them sign digitally.
  • Hospital delivery. Delivering prescriptions to the bedside allows hospital patients to check out with the medications they need without having to go to the pharmacy afterward.
  • Drive-thru or curbside. Whether you have facilities for a drive-through or not, give customers the option to stay in their car while picking up their medication.

Always Have What Your Customer Wants

The smaller your pharmacies are, the more you can afford to operate. Tiny pharmacies can be fit into high-density areas where you are likely to attract a lot of customers by the convenience of your location. 

However, the smaller your pharmacy is, the more difficult it may be to stock all of the medication that customers frequently request. Having precise inventory management enables you to know exactly what is on the shelves and in storage areas so that you can store just as much as you need to without storing large amounts and taking up more space than necessary.

Customer Loyalty Programs

Today’s customer wants more than a place to buy the medications they need. Your customers want to feel connected to their pharmacy and that their pharmacy values their business. 

A loyalty program is an ideal way to create a meaningful connection with customers, encourage them to keep using your pharmacy, and gain valuable customer data, all at the same time. Forget about a punch card. Choose a system that allows register redemption, mailed or email coupons, or coupons printed on the receipt. Make customized promotions for your loyalty members and provide loyalty levels so that your most valued customers get the best perks.

Update Your Pharmacy With a Great Point-Of-Sale System

To update your pharmacy and get all of the benefits of modern technology in retaining your customers, choose a quality POS system for pharmacy businesses. A system like this can keep track of all of your finances and customer accounts, track inventory, and enable complex loyalty systems. The advantages of a system like this can take your pharmacy to the next level and let you retain more customers. 

3 Smart Ways to Invest in Your Own Health & Wellness

Money is a driving factor in nearly every aspect of modern life, and that includes personal health and wellness. Indeed, the sad reality is that there is a strong correlation between a person’s financial standing and their overall health. While becoming a millionaire won’t guarantee long-term health and happiness, it does provide an individual with more resources and abilities to improve their fitness. Thankfully, there are several key types of investment that people in any income bracket can make to safeguard their physical and mental well-being. Check them out here:

Household Upgrades

How can shopping at IKEA or another department store improve your health, you ask? While the answer might not be obvious, the truth is that certain household items can have a positive impact on your overall wellness. For instance, purchasing a new mattress could drastically improve your sleeping habits, which can subsequently lead to a myriad of other health benefits. Or, investing in a quality set of pots, pans, and tools for your kitchen could help you make great-tasting and healthy meals on a consistent basis.

Medical Assistance

Purchasing high-quality insurance at a young age is one of the best investments you could possibly make. Solid insurance will help you protect your physical and financial well-being at the same time. However, not every medical condition is covered under common insurance packages. That’s right, you may have to pay out of pocket to receive certain tests and treatments. In broad terms, it’s usually a good idea to set aside extra cash for just such situations. For example, investing in Gainswave treatment to treat a condition like ED could substantially enhance your quality of life. So don’t assume that insurance coverage will always be sufficient to address every medical concern that you may face.

Support Networks

Joining a fitness group or a virtual exercise class for a small fee is typically worth the investment. That’s because individuals tend to perform much better when they exercise with others than when they do so alone. What’s more, these support networks can help you stick to fitness routines, make healthier choices, and keep you motivated when you feel run-down. And you certainly don’t have to be a millionaire to join one!


When it comes to your physical and mental health, you can never be too careful. As such, it makes sense for individuals in all walks of life to dedicate at least a portion of their income to ensuring their short and long-term well-being. These tips are a great place to start, but there are thousands of ways to stay fit. In other words –– feel free to customize a wellness plan to suit your lifestyle!

Insite Advice: the business changing seo in St. Louis

Insite Advice the premier St. Louis SEO agency, specialises in Internet marketing and web design services and is focused on giving quantifiable benefits to their clientele. The truth is, that prompted their slogan “Digital Marketing That Delivers”.

The company happen to be the St. Louis SEO solutions organization that solely proposes strategies that help strengthen your bottom-line. The company operate together with the company’s clientele to help them opt for the most suited professional services to obtain the desired results. This kind of appreciation of personalising their services in order to satisfy the clientele needs now means they are recognized inside the industry as being the preferred digital marketing company in St. Louis.

The company’s Internet marketing products and services are really wide-ranging and mean that insite advice are able to provide you assist with your SEO or PPC needs, help improve a new web web site, or even will grow a preexisting one or perhaps provide a mixture of Internet marketing and web design services.

Started by Alex Wolk in 2003 to be a one-man band in order to give Website Design in St Louis, over the last Seventeen years the company has turned into a seven person team & still thriving! Insite Advice at present focus on supplying measurable benefits to their clients.

Precisely what do they mean by results? Every thing from a new internet web-site, assist with SEO or PPC, social media campaigns, and everything somewhere between! The whole program.

At insite advice work with their unique system: Visitors ENGAGEMENT = GROWTH in order to assist clients increase their marketing and advertising Roi. They first draw in new targeted traffic to your brand, after that insite advice systematically turn traffic in to buyers by means of engaging website design, automated lead nurturing & thorough conversion tracking.

The company have been known as among the list of best Twenty small enterprises under 20 staff by St. Louis Small businesses Monthly, a ‘Best in Business’ for St. Louis Web Designers in ’09 and the year 2010. They focus on all aspects of the net including programming, web design, e-commerce, internet marketing & SEO & are an A certified business with the Better Business Bureau.

From the year 2003, Insite Advice has functioned as the St. Louis Area’s specialist internet marketing and web design agency. From the center of St. Louis, Insite Advice offer Digital Marketing That delivers.

It is possible to lose sight of the # 1 consideration with the speedily growing internet marketing & web design scene. The company are here in order to indicate the most effective solution.

Inside Advice have perfected a system to get the optimal outcomes for each one of the company’s customers unique circumstances. By centering on: a unique keyword listening solution to identify target key phrases, then using that information to help increase visitors to the target web web site, ensuring perfect on page optimisation of the target web web site, building a network of quality inbound links & topping off with the provision of highly focused research that give both feedback used to further improve the web-site’s efficiency and evidence of outcomes achieved.

Their specialties include: Conversion Optimisation, Search Engine Optimization (SEO) & Marketing (SEM), Web Design & Development, Social Media Marketing, Marketing Automation/Lead Nurturing/Email Marketing.

Set the free of charge consultation right away:

Insite Advice

2122 Marconi Ave, St. Louis, MO 63110

MTM enables clients to accomplish their goals at the same time accomplishing their visualization of communities without any limitations.

For more than 2 decades, by simply utilizing top quality customer support & their capacity to be able to generate all-inclusive service provider systems, MTM enables clients to accomplish their goals at the same time accomplishing their visualization of communities without any limitations.

MTM has partnered along with their own clientele to put together nonemergency health care travel intended for being able to access healthcare, offering self-sufficiency, in addition to connecting neighborhood solutions.

From state-wide nonemergency medical transportation (NEMT) brokerage to booking & sending for main transportation agencies, MTM is here to provide a wide array of NEMT Brokerage solutions to take on the most significant challenges within health-related transport & Public Travel Services. Their professional services endeavor to make improvements to member health final results whilst aligning with customer goals and objectives, decreasing program expenditures, and also boosting fulfillment.

Having a broad range of synced, workable travel services, mobility management assures every aspect of passengers’ transportation expectations will be achieved. MTM instruct individuals about the travel resources available to them and help them to opt for the right method of transport that best fits their demands.

Leveraging their own detailed familiarity with the health-related transport services sector, MTM’s mobility management model provides an innovative procedure for coordinated area transportation.

Your well being & basic safety really are a major priority for MTM. In response to the present Coronavirus crisis, they are actually using any guidance supplied by the Centers for Disease Control.

While demand will continue to escalate, mobility management delivers a focused solution to bring together, manage, & coordinate transport services. MTM works together with their clients to provide a group of travel solutions & possibilities such as:

Pursuing opportunities for grant funding
Educating passengers on & assigning them to the most cost-effective, appropriate mode of transportation

Performing education & outreach to explain the transit system to stakeholders
Developing strategies for meeting the needs of passenger populations
Pursuing grant opportunities to maximize the potential for federal Mobility on Demand “Sandbox” programs

Diverse travel options & modes
Eligibility assessments
Travel training
Helping plan for future system growth
Modular, scalable solutions, up to full turnkey partnerships

As medical transportation services outsource more services to achieve cost savings, a dedicated Quality Assurance (QA) contractor is imperative to accurately track performance metrics, analyze data, and lead the agency & its contractors through continual quality improvement.

Being the eyes and ears of the agency a real development of the agency’s very own staff members an independent Quality Assurance professional brings an extra layer of impartiality to maintain various other suppliers responsible and proactively deal with support and conformity concerns. Utilizing the knowledge that integrates travel & quality assurance, MTM understands the way in which a variety of facets of Quality Assurance have an effect on any travel divisions function, & has a specialized system in position to be able to encourage conformity & procedure enhancement.

The dedicated Quality & Compliance unit looks after the supply of over 20 mil trips every year through the subcontracted group of travel providers, with more than seven point five million messages or calls handled by their own customer service network centers per year. For every one of their even more than One hundred legal contracts, they include built-in quality control procedures set up & maintain themselves responsible for efficiency specifications & Key Performance Indicators(KPIs).

MTM is known as an authentic leader on producing Quality Assurance systems with regard to the nonemergency medical related travel business, & has efficiently integrated such methods within their packages for longer than two decades. In each contract MTM run, MTM completes QA activities which make them distinctively skilled to produce unprejudiced evaluations, assess system general trends, & record crystal-clear conclusions & suggestions.

Having a collection of practices, plans, procedures, & documents developed throughout the last 2 decades & prepared to be personalized to meet transportation organizations’ particular preferences, MTM is definitely very well prepared to simplify implementation & help make instantaneous constructive impacts on travel specialists of virtually any overall size.

More unique to the transit market, MTM couples with transportation specialists throughout Maryland and Washington, D.C. to generate professional QA solutions. In both cases, MTM cooperates together with the travel specialists to be able to put together in-depth models that deliver control for both Administration and Operations within their paratransit departments.

4 Ways to Ensure Returns on Business Investments

An investment is not the same as a gamble. Yet, the reality is that many professionals seem to think that because professional investments carry a degree of risk, there’s no way to guarantee consistent returns from them. This just isn’t true, though. Rather, industrious business leaders understand how to spend available capital in smart, reasonable ways that lead to sustained growth. Here, we’ll explain how professionals can make better business investments to improve their company in both the short and long term:

Conduct Research

It’s no surprise that many small businesses operate on tight budgets. As such, it’s imperative for business leaders to make smart financial choices and to only invest in products or services that will deliver a return or enable future growth. The principal method to achieve this is through research. No, it’s not particularly glamorous, but it’s essential all the same. Whether you’re looking to invest in a new set of crowd control barricades or a new call tracking service, there’s no substitute for doing your homework first. Knowledge really is power in this situation.

Train Your Staff

The best products or services in the world won’t do your company any good unless your team understands how to use them properly. After all, the best classic car of all time would be worthless to a person who can’t drive a manual transmission. In the same way, it’s crucial for small businesses to invest time and money into training programs for their staff so that they can develop the skills they need.

Pump the Brakes

Impulsivity can doom even the most promising business ventures. Of course, keeping calm in a difficult situation is much easier said than done. Still, ambitious business leaders need to have the ability to remain objective and clear-minded when they encounter a serious issue. Throwing money at a problem is rarely the best way to resolve it. Instead of reaching for the checkbook the next time you face a challenge, look to cheaper, in-house alternatives first.

Learn from Mistakes

The harsh truth is that everyone makes mistakes from time to time; not everyone uses those mistakes as opportunities to learn and grow. Take time out to review your previous errors and observe how your competitors conduct themselves as well. This will allow you to make more sensible purchase decisions for your business in the future.


In business, you have to spend money to make money. Fortunately, the above tips will help savvy professionals make better use of their available capital. Keep them handy moving forward!

A Glance At Essential Factors When Looking At Upholstery Textiles


Anzea and Dino Zoli recently joined together in cooperation to provide the best value contract textiles to the hospitality and corporate markets and to better enhance the contract textiles market.

Anzea is from Texas and Dino Zoli is from Italy, which makes the cooperation a match made in heaven since it could have the combined inventory of two distinct areas.

They actually made an ideal alliance since the 2 businesses have the same expertise and they also have exactly the same passion for textiles. They’re going to be presenting the very first installation of DZ x ANZEA very soon and it will undoubtedly have a positive impact to the market.

This is definitely a huge move for the 2 businesses as they will work together to create a unique assortment for the existing market. Anzea and Dino Zoli are actually in the industry as they provide the best and the most incredible textiles in Texas and Italy. The collaboration will undoubtedly provide value to the hospitality and corporate markets as the products could be available in a platform that is very easy to access. The mixture of the inventory will provide advantages for all the projects of their clients for woven textiles and fabrics.

The DZ x ANZEA assortment also has two outdoor options made from nubby argyle plaid. The 8 fabrics that is actually in this selection will offer texture and color to any space.

When you’re referring to coated fabrics, upholstery textiles, vinyl fabrics and much more, Anzea is undoubtedly your best bet. The business began in 1990 by Mitzi Mills and Bruce Doeren in Fort Worth, Texas. The name of the company came from an acronym. It signifies the first assortment of Anzea: Australia, New Zealand, Europe, and America. Mills is a popular graphic artist and she has enthusiasm in travel and photography. Doeren is an accounting expert and he ensures that the operations will run correctly. The success of Anzea can actually be credited to the diligence of these 2 people.

Anzea is always centered on the top designs and performance for woven fabrics and you can find them on the market today. They also provide a mix of coated and woven fabrics for arduous applications. You can check their selection and you are going to know that they combined great design, safe chemistry and durability in a single design. They also have a dynamic team which will always adjust to any situation and this will make the vision real. The goal of this partnership is to provide more options for the consumers to choose from.

If you’d like to learn more about the collections that Dino Zoli and Anzea made, you could check out their web site. This may permit you to view some of the best vinyl fabrics on the market.

Anzea Textiles
200 N Vacek St. Suite D Fort Worth, TX 76107

4 Tips for Working with a Business Partner

They say two heads are better than one. Well, in business, this is only true some of the time. The stark reality is that many entrepreneurs have to enlist the help of a partner in order to get a startup off the ground. Yet, these partnerships are not always ideal. And it can be difficult to collaborate with a new business partner. What’s more, going into business with friends or family presents its own set of difficulties. With all that in mind, today we’ll share four valuable tips that will help ambitious pros form productive business partnerships. Check them out here:

Outline a Plan

Do business partners have to agree on every single business decision in order to form a successful company? The short answer is no. However, it is crucial for business partners to be on the same page about the most pressing issues facing their company. Before you start on a new venture, make it a point to review your goals, aspirations, and values with your business partner. This way, you’ll be able to tell if they’re ready to work with you over the long haul.

Get Everything in Writing

It doesn’t matter if you barely know your new business partner or if they’re a blood relative — it’s imperative to get all important agreements in writing. Verbal contracts don’t always hold up in court, and disagreements can occur over money regardless of the nature of a business relationship. Therefore, any time you take out a loan, open a new location, or alter your business in any way, be sure to take care of all the related legal documentation. You may need it in the future.

Divide & Conquer

Running a business is a multi-faceted endeavor. As such, it only makes sense for business partners to divide their workload between each other. One partner can spearhead a soft skills training program for employees while another can perform essential market research, for example. Just make sure to come together to deal with any major problems.

Keep Your Cool

Every business experiences ups and downs. No company experiences a meteoric rise without weathering a few difficult periods along the way. The key to managing a successful company and maintaining a good relationship with your business partner is to keep your cool at all times. Don’t get too high during the good times and don’t fall into negative habits during tough stretches. Remember, your employees will take cues from how you and your business partner behave. So simply staying positive and acting with respect can help your team reach new heights!

The U.S. Unemployment is at a 50 Year Low — So Why Are Investors Worried?

The year was 1969. The average cost of a new home was $15,550. Gas was 35 cents a gallon. The first man landed on the moon. Woodstock attracted more than 350,000 fans from around the world. And the U.S. employment rate plunged to a mere 3.5%.

Well, fast forward exactly 50 years, and while virtually everything else has changed — for example, instead of people asking for the nearest payphone, they’re asking “what is a VoIP number?” — but the unemployment rate is once again back down to 3.5%. At first glance, this should be a cause for celebration. Yet some investors are sounding alarm bells instead of uncorking champagne bottles.

Why? Because they’re worried that ultra-low unemployment levels will invariably force the Fed to raise interest rates, which in turn would make it more costly for businesses to borrow money — and also make existing debt loads more expensive to carry. Historically, this has tended to drive stock prices and dividends lower.

The other concern is that very low unemployment invariably drives up wage inflation, since there are fewer qualified workers available to perform certain jobs. In order to attract and retain them, employers offer more salary and benefits — which is obviously good for workers, but not employers who take a hit to their bottom line. In some cases, wage inflation can be so costly that employers shed more jobs than they create.

And to further rain on the festive economic news parade, there are concerns that a low unemployment rate doesn’t accurately capture the number of people who are either under-employed (i.e. working in jobs that are not commensurate with their skills and abilities), or have stopped looking for work entirely because they couldn’t find something suitable. Often, many of these people end up working in the “underground economy” which is not just precarious and can potentially be dangerous, but it doesn’t generate income tax revenue that states and cities need to pay for roads, schools, hospitals, and other public goods.

With all of this being said, economists surveyed by Bloomberg predict that the Fed will hold the line on the federal interest rate for the next couple of years (currently at 1.75%), and won’t be deterred by the 2020 Presidential election from pursuing their 2% inflation target (the current inflation rate is 1.8%). This means that investors probably have some more bull markets to enjoy, before the cycle invariably turns — as it always does — and we head into bear market territory.

When (not if) that happens, given that the Fed doesn’t have much room to cut interest rates to spur consumer spending, we could be in for a sustained recession. Or perhaps even the Great Recession Part 2.

Exploring Important Elements When Thinking Of St. Louis Divorce Attorneys


The founders of Hais, Hais & Goldberger, P.C., Sam and Susan Hais, revealed their determination to their clients and shared their experiences on family law by supplying the best legal services to them. St. Louis divorce attorneys are certainly the best when it comes to family law, but it is also essential to note that these cases are very hard to deal with as they are related to the family. It could be about divorce, legal separation, child custody and much more.

This is a complex portion of the law so it’s essential to find experts like Sam and Susan to take care of cases such as these. The couple shared how they stayed strong over the years.

They’re undoubtedly one of the best legal specialists in the industry and it is their due to assist the consumers. According to Susan Hais, it was feasible as they rely on one another at work, much like how they rely on one another on their married life. She thinks that their work is an extension of their relationship as they understand each other. The couple can be seen biking, hiking or skiing together throughout the weekends and this positive energy flows to their workplace.

A happy relationship will invariably be an excellent foundation when it comes to legal services regarding family laws. If legal professionals are happy with their married life, it will be much easier to provide assistance to the couples who are managing family difficulties.

Family issues do not have to be settled in court, but there are a few instances where only legal means can manage the problems. If something has to be settled in court, an expert St. Louis Family Lawyer is necessary. If it’s about child custody, legal separation, divorce and more, professional lawyers are required. This company is focused mainly on managing family concerns and the concern of the lawyers is to assist the family make it through the problems and make good decisions.

If you are dealing with child custody issues, you can seek out a child custody lawyer in St. Louis.

Hais, Hais & Goldberger, P.C. has been offering legal services for over 30 years and they are focused mainly on family law. They’re going to be able to represent individuals for legal separations, dissolution of marriage, child relocation, child custody and more.

They also have the best legal experts that have the experience and skills to handle legal cases associated with the family. They can help the families make a decision when it comes to their family difficulties and help resolve it for them.

Sam and Susan Hais are devoted to providing St. Louis divorce attorney services and they have been doing this for the past 30 years.

You could always consider Hais, Hais & Goldberger, P.C. to assist you in your family difficulties, particularly if you’d like the intervention of legal professionals.


Hais Hais Goldberger St. Louis Divorce Lawyers

Hais, Hais & Goldberger, P.C.
222 S. Central Ave, Suite. 600
Saint Louis, MO 63105

Recession Watch: Everything You Wanted to Know About the “Inverted Yield Curve” but Were Afraid to Ask

These days, it’s getting harder and harder to read, watch, or hear financial news without coming across the term “inverted yield curve”. What’s more, the folks who mention this term are never happy or excited. On the contrary, they’re grave and solemn. Some of them almost look like they’re on the verge of tears.

Now, you already know what the words inverted, yield and curve mean. But you may not know what happens when these words are put together, and what it likely means for you in terms of your job, your retirement savings, and how much it will cost to buy a house, a car, an office renovation from Key Interiors, a vacation to the Windy City, a man cave complete with plasma TV and wet bar — or anything on your purchase list or dream board.

Well, fear not: you don’t have to get an MBA, or watch endless hours of financial and business news. Instead, you can get the basics right now, right here.

It all starts with the U.S. Treasury bond market, which is widely considered to be one of the safest places to park money in times of economic uncertainty (or outright doom and gloom). Under normal circumstances, the interest rate pegged to short-term bonds is lower than long-term bonds. This makes sense, because folks who are willing to live without their money for several years should be entitled to a higher premium, compared to folks who are only willing to live without their money for a couple of years. On the flipside, folks who want to borrow money for longer should be expected to pay more vs. folks who want to borrow money for a shorter duration.

The way that this normal, logical story is depicted is through (yes, you guessed it!) a yield curve. Time is on the Y-axis. The interest rate is on the X-axis. Naturally, the curve rises over time — because as noted above, the longer the duration, the higher the interest rate.

When investors start to worry that a recession is on the horizon, they start pulling out of relatively risky assets like stocks, and they use that money to buy relatively safe assets like long-term U.S. Treasury bonds.  However, eventually this activity causes the rate for long-term bonds to dip lower than for short-term bonds, which causes the yield curve to invert (hence the term). Basically, investors are so freaked out about what’s going to happen in the economy, that they’re willing to accept a lower return if it means they can park their cash and ride out the storm.

Now, does an inverted yield curve — which recently occurred, and is the reason why you keep hearing and reading about it these days — absolutely mean that a recession is going to happen? Not necessarily. There are many factors that will determine the economic ecosystem; especially what transpires on the trade war front between Washington D.C. and Beijing.

However, keep this grizzly statistic in mind: an inverted yield curve has preceded every single U.S. recession since 1950. Time will tell whether that dubious streak stays alive, or if 2019/2020 is the outlier. 

A Guide to Prenatal Health & Wellness

Some women never get the chance to prepare themselves –– mentally, physically, or emotionally –– for the trials and joys of pregnancy. However, if you’re thinking about starting a family of your own, then it’s important to educate yourself on prenatal health and wellness. That way, you can manage or ameliorate some of the issues that typically cause the most consternation to pregnant women.

Getting Your Ducks in a Row

Pregnancy and parenthood will change virtually every aspect of a person’s life. This includes, but is not limited to:

  • Their availability at work
  • Their spatial needs at home
  • Their financial goals
  • Their free time

It can be easy to take some of these factors for granted, but it’s important all the same to prepare each facet of your life for pregnancy. Speak with your boss, your accountant, your health insurance provider, your friends, and your family and let them know about your plans. Otherwise, you could find yourself swamped with annoying problems down the line. 

Diet & Exercise

Some women may need to gain weight to ensure a healthy pregnancy. Still others may need to lose weight and lower their blood pressure. Regardless, it’s important to form a healthy diet and exercise routine before you start a family. This way, your body will be ready for the rigors of gestation.

Cutting Out Bad Habits

There are few things more difficult than quitting smoking after years of habit. Tobacco is incredibly addictive, but if you want to get pregnant, you need to cut out unhealthy habits like smoking and drinking. If at all possible, start this process well before you become pregnant –– you won’t want to deal with cigarette cravings during hormonal spikes.

Getting Tested

Sometimes, women may have an infectious condition that they’re not even aware of. Before you become pregnant, it’s a good idea to get tested for asymptomatic conditions –– such as STIs. Believe it or not, many people have common STIs and don’t even realize it!

Speaking with Your Doctor

The best way to guarantee you’re doing everything in your power to prepare your mind and body for pregnancy is to speak with your doctor. They’ll be able to tell you everything you need to know about prenatal care –– from conception tips, to dietary advice, to recommending you see see a physician who specializes in tubal reversal, and more. When in doubt, call up your M.D.

Develop a Support Network

There’s no shame in asking others for help. In fact, the sooner pregnant women assemble a reliable support network of friends, family members, and neighbors –– the better. Don’t discount the value of a friendly face and a helping hand because you’ll never know when you’ll need them!

3 Health Issues Insurance May Not Cover

It can be easy to assume that once you’ve done the responsible thing and secured health insurance, that any injury or medical issue you’ll face moving forward will fall under your coverage plan. Unfortunately, this may not be the case. Indeed, there are a number of circumstances that can prevent individuals from using their insurance to pay for legitimate medical needs. Here, we’ll outline three issues that health insurance may not cover –– so that you can plan accordingly for the future.

A Quick Word on Health Insurance

Before we begin, it’s important to note that health insurance plans are not identical. In fact, what they cover and what they don’t can vary wildly based on an individual’s age, well-being, marital status, and healthcare provider. Given that fact, it’s important for people to always check their own insurance policy first in order to determine what’s covered and what isn’t.

Dental Work

Visiting the dentist may not seem vital to a person’s overall well-being, but the reality is that oral health is often overlooked. The bad news is that dental procedures are not covered under most standard healthcare plans. The silver lining here is that most employers will offer health/dental coverage as a package deal.

Injuries Sustained from Illegal Activities

How a person sustains an injury can have a big impact on whether or not insurance will cover the costs associated with treating it. Specifically, some insurance policies contain an illegal act exclusion, which means that insurance companies can waive responsibility to pay for medical costs associated with injuries incurred as a result of illegal activities. So, for instance, if you break your leg while robbing a bank, you’d have to pay for any treatment on your leg yourself.

Preventative Tests and Treatments

Health insurance will cover a good number of preventative tests and treatments. However, certain tests are not covered in most health insurance policies. One common example of this is travel-based vaccines. Individuals who need to get vaccinated to visit another country will have to pay for those vaccines out of pocket. In addition, most preventative tests require some form of reasonable cause to administer. In other words, the doctor or patient must have a good reason beyond a “checkup” to request the test. Unfortunately, some issues like STDs can remain asymptomatic for long periods of time, and many people don’t understand their nature. (It’s unlikely very many people even know the difference between bacterial vs viral STDs –– let alone which STDs pose a serious health risk.) And while many people choose to visit independent clinics for regular STD testing, few insurance providers cover this service.

The Bottom Line

No two people share the same healthcare needs, so it’s imperative for everyone to understand what their insurance does and does not cover. (And they should also strive to understand the difference between health, disability, and life insurance!) Taking some time out now to figure that out can save you huge amounts of stress –– and money –– down the line.

The Most Beneficial Suggestions For Finding St. Charles Pest Exterminators

Mick’s Exterminating lately announced a new and improved site that will offer a user-friendly and seamless experience to the existing and upcoming clientele. The new website is now full of brand new features that could make your browsing experience easier and more convenient. As a St. Louis Exterminator Company it’s always their job to guarantee that the clientele would get the information that they require. The new site actually features full-width pages, a blog section and a place for testimonies. The previous site was already user-friendly and very simple to use, but the company still thinks that it is inadequate. They are upgrading the features from time to time to make certain that the buyers could have more convenience in obtaining what they need. In the previous site, the content only existed on the center half of the page, but now, the new site has elements extending all the way to the sides.

The site also featured a current news section that would permit the consumers to see some new articles published on the blog. The blog is vitally important as it will offer recent news as well as suggestions and tricks on how to deal with certain pest infestations. The last update is the development of the testimonial section to allow the consumers to share their opinions about the St. Louis Termite Exterminator services of the company. The update of a website is vitally important and it is not advisable to simply remain on the same design the whole time. New improvements in the future would continue to be added and new features can also be applied to a website owner needs to take advantage of this. Every update of the site will enable the consumers to possess a better experience so it’s vitally important. The new features of the site will be part of the efforts of the business to make certain that they will be making use of the latest technology. Mick’s Exterminating has been operating in the marketplace for more than 40 years since 1973 and they’re proven to provide the best pest exterminating services in the area.

The weather in St. Louis is evolving constantly so the business should be prepared for different types of extermination problems and pest issues. The staff of Mick’s Exterminating has to complete rigorous and state-certified training so they can manage any kind of pest extermination in your house. They could handle different pest control services depending on your needs. They all feel that there are no one-size fits all approach with regards to this so they’re sure to approach each project with a fresh outlook and an open mind with regards to pest extermination. If you need mosquito control or you need help coping with termites in St. Louis, rats and more, we are going to be here to assist you. You can call us now to learn more about what we will provide you.

Mick’s Exterminating
8491 Veterans Memorial Pkwy, O’Fallon, MO 63366

Step-By-Step Useful Suggestions When Thinking Of St. Louis In Home Physical Therapies


Elder Care Channel lately publicized that they are going to make advancements on their home care services in St. Louis area. As one of the elite home health care service providers in St. Louis, it’s their responsibility to offer the finest quality services to the patients who are searching for high-quality health services in the convenience of their homes. They’re referred to as a popular home health care agency so Home Assist is focused mostly on the fundamental needs of the patients. They also offer a variety of health care services at home to provide what they need. Many people are actually thinking about St. Louis Home Health Aide and Home Assist could be able to give In House Licensed Nurse Aide, therapists, pharmacists and more.

The main answer of the company to the ever-growing demand for eldercare services in St. Louis is to actually enhance their services further. To provide the best home health care services to people who are currently recovering from a sickness and people who need daily support and with chronic conditions, Elder Care Channel can be able to offer different health care services at home. This service has long been extremely useful to lots of folks all over the world, especially in the St. Louis area. They have the best professionals who could provide the daily needs of the people. The goal of the company is for individuals to enjoy a normal life in their houses even when they are suffering from illnesses and injuries.

Most people don’t actually have plenty of time to remain in their homes and care for their loved ones who’re disabled or those who are still recuperating from certain conditions. Due to this, many of them are trying to find a way to deal with this issue with no need for them to stay at the house and do the chores on their own. This is where Elder Care Channel will help because they have several specialists who could care for the elderly and handicapped folks. Adult daycare programs in St. Louis are really essential at this time as it would provide the requirements of the individuals and they’re going to not need to visit a hospital.

The principal mission of Elder Care Channel is to provide caring and comprehensive house healthcare services for all the folks with chronic conditions, dealing with illness and to people who need daily support. We will offer safe and dependable health care services with the assets, experience, and experts that we have today. The purpose of the company is to showcase a successful transition of care, enhance their quality of life and stop the individuals from returning to the hospital.

If you are discussing in home health care in St. Louis, Elder Care Channel can provide all the services that you need. You must realize that the requirement for house care is growing as time goes by because more folks are now realizing that it’s probably to get the healthcare services that they need in the convenience of their home.

Eldercare Channel
2124 Marconi Ave, St. Louis, MO 63110

Step-By-Step Specifics Of Considering Transit Scheduling Software

Reveal’s Transit Scheduling Software made a huge splash on the market after it was shown that it can enhance transportation efficiency and performance and also lessen work and operation costs. The Transportation Management Software was designed to offer dependability, service improvement and efficiency to customers and deal with frequent transportation difficulties. It is already an undeniable fact that transportation is among the biggest problems around the world and plenty of companies want efficiency for their transport corporations. The goal of Reveal is to help businesses in transporting their goods and to ensure that they will be able to get the service for an excellent price. It is already a proven fact that the need for a scheduling software is imminent and most firms want more features. Although there are a lot of scheduling software available on the internet, not all of them can provide what Reveal can provide. As among the best providers of technology solutions for transportation companies, Reveal released this new revolutionary software that will help further improve the efficiency of transport agencies and to help them decrease their labor and operating costs. This kind of software can offer a variety of benefits to transport agencies and private businesses and it has already obtained tons of positive feedbacks. There is no learning curve because it is extremely simple to use. The explanation of why the TMS of Reveal is among the best today is since it can certainly reduce the costs by almost 20 percent and it may enhance the efficiency of trip entry and scheduling. It is going to be able to offer real-time service monitoring. It’s going to not have issues if the clients have a small or big amount of vehicles as the software can adapt to the requirements of the clientele. Even if they simply have like 5 vehicles or they’ve got 500 vehicles, they can certainly make the most of the software. One of the features that many consumers want is real-time visibility on route performance as the dispatchers could see the performance of every trip and make changes if feasible. Reveal Management Services, Inc. is known as a well-known technology and operations management firm and it is offering an array of services, which include, but not limited by NEMT Dispatch Software, School Bus Routing Software, Paratransit Dispatch Software and more. Being among the best full-service contract management and software development business, we always guarantee that the clients what they need for their corporations. We can make certain that the companies may have a reduction in the operation and work costs, enhanced performance and productivity and enhanced transport efficiency. We always focus on the requirements of the consumers and we always do this when making enhancements on the Transportation Management software. There’s no need to cope with transportation issues because, with the assistance of there Transit Scheduling Software, all of these issues will definitely be resolved easily. If you would like to understand how they can help you, you may take a look at the services that they provide.
transit management software

Step-By-Step Quick Suggestions When Looking At Fire And Safety Services


Weber Fire and Safety lately declared the unveiling of a new and improved site to help offer more convenience to consumers and give them simpler access to important information and offer fire alarm systems service.

This site is intended to provide fire and safety equipment to help prevent and fight a fire, nonetheless, there are more things that the end users could get from this. The new and improved site will provide all the info necessary about fire cases and the way to prevent them.

The site can also give information about the best tricks to deal with fire and how to prevent them from causing disastrous damage.

As one of the most well-known St. Louis fire supply company, it’s always their duty to give great service and ease to the end users. The upgrade of the site is part of their efforts to provide a convenient service to the clientele and to enable them to have access to services and products like fire extinguisher inspection, fire alarm servicing and more. They could easily schedule the services that they need and they could also order the merchandise that they want directly from the new site. The improvement of the site could also provide plenty of precious info to the public concerning fire safety and how you may prevent these fire cases from causing damage to properties and facilities.

This move of Weber Fire and Safety is part of their endeavors to help minimize the growing instances of fire in the United States and to help minimize the number of deaths and injuries connected with it.

In 2017, more than 1.3 million instances of fire were noted in the United States. There about 3,400 deaths associated with fire and 14,670 people injured.

Weber Fire and Safety wished to lessen the number of deaths and injuries because of fire and they did this through their own little way. By updating their website, they were able to offer free info on fire safety.

The improvement on the site is in the appearance and adding better quality images. The new layout will also allow the buyers to schedule a service depending on their needs.

Weber Fire and Safety is always committed to giving the security that the St. Louis citizens need with regards to fire. A part of their efforts to prevent fires and lessen deaths and injuries is to actually offer information to the public through their site and provide the finest quality products. The Weber family is hands on to the operations and performance of the company and they even have the most hardworking and devoted employees that could offer the needs of all the clients.

If you’re living in St. Louis and the surrounding areas, you can access their site and check their emergency and exit lighting service.

If you’re considering fire extinguishers service, fire safety tips, and other products and services, Weber Fire and Safety may be able to provide what you need.

St. Louis Fire Supply Weber Fire and Safety10944 Gravois Industrial Ct, St. Louis, MO 63128
(314) 351-5005

Anti-Union Campaigns: Suggestions For Newcomers

Adams Nash Haskell & Sheridan (ANHS) has lately made changes on their services in order to enhance labor relations and offer ideal union prevention for the employees and employers. The new and improved services aim to stop the forming of unions inside the business and rather, improve the relations of employees and employers. Unionization isn’t really a bad thing for some folks, but employers don’t like it as it can cause plenty of drawbacks. This is actually the main reason why plenty of corporations would prefer not to have unions as it could affect their business. Union avoidance training is an excellent way to prevent unionization and ANHS could be able to help with this.

ANHS, a Kentucky-based firm, updated its services to offer the best solutions to unionization and to help enhance the connection of employees and employers. Through their best anti-union campaign, they can help businesses prevent unionization and simply showcase other techniques that can help enhance labor relations and discourage the employees from making a union. The company will unquestionably offer strategic services that may minimize the likelihood of unionization. This may actually include union avoidance tips, workplace issue assessment, training, management education, specialized surveys and much more. There are plenty of challenges with unionization, specifically for the employers so it’s better to boost labor conditions and talk with the employees rather of forming a union.

Unionization can definitely cause a lot of issues to the employers and one of this is a legal strike. There are several firm owners that could just ignore it, but for big corporations, a strike will cost plenty of money due to lost production and more. If the union members asked for something related to wage, advantages and workplace rules and the business did not agree, they’re legally permitted to strike, which isn’t a fantastic thing for organization owners.

ANHS already knows of this issue and they wish to make certain that the employers and employees can get whatever they deserve. The purpose of ANHS is to actually construct the connection of both parties through labor relations training.

ANHS already has a history of excellence with regards to preventing unionization and they’ve got the best anti-union consultants to take care of the worries of employers. The update of their consulting services is just a part of their efforts to stay true to their vision and mission.

They have an accomplishment rate of up to 95 percent and the professionals that ANHS have are renowned for their experience in fostering optimistic labor relations. This is referred to as a high percentage and it will show that the trust of the employees would improve.

If you’re speaking about the issues of unionization, ANHS can be prepared to assist and they have the resources to deal with this.

Life Insurance 101: What You Need to Know

The life insurance industry is booming. According to The American Council of Life Insurers (ACIL), “90 million American families rely on life insurers’ products for financial and retirement security.” Among these products, “individual life insurance protection in the United States totaled $12 trillion at the end of 2017 and has grown at an average annual rate of 1.5 percent since 2007.” That’s a lot of policies and a lot of money. In case you’re wondering whether you should buy your own life insurance policy, here’s a quick overview of what you should know:

A Brief Definition of “Life Insurance”

Life insurance is a type of warranty against financial difficulty for your loved ones should you unexpectedly die. As a policyholder, you enter a legal contract with an insurer, who agrees to pay a benefit to your designated beneficiaries upon your death. In turn, you agree to pay a premium (usually in installments) to the insurer for a specified amount of time.

The Two Major Types of Life Insurance

Basically, life insurance can be underwritten for specific groups of people — such as the employees of a company — or for individuals. It can also be categorized as either “term life insurance” or “whole” (also called “permanent”) life insurance. The ACIL reported in 2016, “about 4.3 million individual life insurance policies bought were term and about 6.4 million were whole life.” Let’s take a look at the differences between the two:

Term Life Insurance

Term insurance is the most basic type of life insurance, as well as the cheapest. Insurers only pay out a death benefit if you die during the policy term. Most term life insurance policies offer coverage for 10, 20 or 30 years and are meant to cover your household expenses should you die prematurely during that time. Term policies do not hold any cash value, and their premiums may or may not increase as the policy ages. Typically, once kids are grown and retirement looms, people opt to discontinue term life insurance coverage because they have fewer expenses and more savings to cover any unexpected death and loss of income.

Whole Life Insurance

Unlike term life insurance, whole life insurance provides lifelong coverage, guaranteeing that your beneficiaries receive a set payout upon your death at any age. You agree to pay a fixed premium for as long as you live, with your contributions also accumulating a cash value over the years. Insurers invest your contributions, and you are permitted to borrow against their sum once it reaches a certain amount. These types of policies have more stringent qualifications for purchasing, generally contingent on the results of a medical exam.

Which Type Should You Choose?

Choosing one type of life insurance over the other depends on several variables. Your age, health and current financial security are just a few of them. Speaking to a qualified financial advisor can guarantee that you have the information you need to critically access all of your choices. Good ones use market research insights to stay abreast of market conditions and consumer needs, making them especially equipped to offer you sound financial advice and help you decide on the best policy for your needs.

Effortless Tips When Looking Into Infertility Clinics In St. Louis

Fertility Partnership, one of the best infertility clinics in St. Peters, Missouri, lately announced their renovations and changes to their clinic to support their increasing patients. The number of couples that are visiting the medical facility tripled in the last few years. This is actually the principal explanation of why they chose to make renovations for the medical center to make certain that they can support the couples who will visit for checkups and treatments. They increased the number of staff and employed more, improved the building and they also brought new equipment. The company is consistently growing because of the current surge of married couples who want to conceive and as an infertility clinic, it is their duty to give treatments for these couples. If you are looking for a St. Louis fertility clinic, Fertility partnership can suit your needs.   You need to know that not everybody is given a possibility to have a baby and a lot of married couples around the world are having a hard time conceiving. This issue can actually be attributed to lots of factors and it could be due to a medical condition or it may be linked to stress and more. This is actually the reason why a St. Louis Fertility Doctor is extremely popular. In case you have these issues, infertility medical centers in St. Louis could be a fantastic strategy to help you as they have the best practitioners. The current extension that was made by Fertility Partnership is actually because of the increasing number of patients and also part of their efforts to give terrific services. Fertility Partnership offers men’s infertility testing and treatments to help you with conceiving.

Fertility Partnership is situated in St. Peters, Missouri and it’s viewed as among the best clinics that will help married couples conceive healthy babies. They will be able to provide a variety of treatments for male and female patients to find out if they can produce an offspring. The treatments that they actually offer include hysterosalpingograms, intrauterine insemination, tubal reversal, ovulation induction and much more. Other treatments and the cost of IVF is affordable to suit your needs. They could also offer you free consultations because they do this to talk with worried couples and help them understand the possible advantages of undergoing these tests and treatments. The sustainable progression of Fertility Partnership is due to the efforts of Dr. Smickes, the owner of Fertility Partnership and a medical veteran. He made a decision to keep away from corporate medicine and focus on providing low-cost medicine for the people who really wish to conceive. He isn’t actually focused on making lots of money since he wants every couple to have a baby. The remodeling of the clinic is a definite sign of their commitment to giving the best medical services for all their patients. When it comes to infertility issues in St. Louis, you can expect that Fertility Partnership can be able to help you. Through the tests and treatments that we provide, your infertility problem will certainly be resolved and you could start building a happy family.

Fertility Partnership – St. Louis IVF & Fertility Services
5401 Veterans Memorial Pkwy #201, St Peters, MO 63376


What’s the Difference Between a Business and Personal Loan?

What’s the Difference Between a Business and Personal Loan?

There comes a time in nearly every person’s life when they require a little financial assistance from a st. louis mortgage company. Whether you’re surveying real estate opportunities or looking to start a small business, some quick cash can make a big difference in the right circumstances. But what’s the difference between a business loan and a personal one? And which one should you apply for? Today, we’ll answer those questions and more. Check it out here:  

Personal Loans

Personal loans are fairly straightforward. To obtain a personal loan, an individual simply approaches a bank or alternative lender and applies for a loan. Creditors will then check your personal credit score, your credit history, and ask what you want to use the loan for. Note, you can use a personal loan to cover business expenses. So, for instance, you could use funding from a personal loan to purchase office lobby signs or a new POS system. However, it’s not always a good idea to mix personal finance with business dealings. For one, if the deal goes south, your personal credit will take a hit –– not your business’s. Secondly, creditors will typically restrict how much money you can access at a single time, and interest rates are generally higher on personal loans than business loans. 

Business Loans

Business loans are, unsurprisingly, geared toward small business owners –– usually for the purposes of starting a business from scratch. While banks and creditors will examine an entrepreneur’s personal finance record before they grant a business loan, many are more interested in a company’s credit and long-term viability. Given that fact, securing a business loan is a good deal more difficult than a “run-of-the-mill” personal loan. It could take months before your bank decides whether or not to give you a loan, and even then it’s no guarantee they’ll accept your proposal. On the plus side, small business owners who do land business loans –– especially SBA loans –– can get quick access to substantial capital with relatively low interest rates. 

The Bottom Line

Modern professionals have plenty of debt sources to keep up with. From student loans, to mortgage payments, to small-business expenses –– it’s enough to confuse and frustrate anyone. That’s why it’s often a wise idea to monitor your finances closely and not to mix personal resources with business ventures. Of course, there are exceptions to every rule, but using personal loans to pay off business debts is a risky strategy that may or may not work out in the long run. 

Address: 1950 Craig Park Ct #100, St. Louis, MO 63146
Phone: (314) 336-9111

4 Reasons to Go Back to School for a Master’s Degree

4 Reasons to Go Back to School for a Master’s Degree

Most modern professionals recognize that the business landscape constantly changes. Tech upgrades, corporate mergers, market fluctuations, and a myriad of other factors can make it difficult for even the most capable employees to feel secure in their current position. As such, many established professionals are heading back to school to achieve further certifications or even a master’s degree. But is this a good decision for you? To help you decide the best course of action for your situation, consider these four reasons why going back to school will prove beneficial in the long run: 

Lucrative Opportunities

Some high-paying jobs require applicants to have special qualifications in regard to education. While it may be possible to climb the corporate ladder with a basic bachelor’s degree, professionals may find it more difficult to advance without a master’s degree. Plain and simple, the more education you have, the more doors are open to you. Of course, heading back to school is a major investment of time and energy –– so keep that in mind before you sign up for classes next semester. 

Your Boss Will Pay for School

Some companies will offer to pay their employees’ tuition if they choose to go back to school to complete or supplement their education. Even if you don’t have lofty career aspirations now, it’s still a smart play to take your boss up on this generous offer. One of the major stumbling blocks modern students face is the financial burden incurred from education-based loans. Therefore, getting a degree for free is an extremely valuable asset and a great way to reduce some of the stress associated with higher education.

Industry Changes

Thanks to tech advancements and the ever-changing nature of the internet, businesses now reinvent themselves frequently. So while you may be familiar with marketing techniques from five years ago, for instance, current SEO trends may be outside your area of expertise. If your industry is experiencing a major shake-up, heading back to school can help you mitigate against a potential crisis. 

You’re Ready to Switch Careers

Perhaps you simply can’t stand working at your current job and need a change of scenery. Should you find yourself desperate to start a new career, then the first step on that path should be back into the classroom. Whether you’ve always wanted to perform scientific experiments with cell culture tubes or open your own investment firm, there are classes available to help you realize your dream! Going back to school is a major commitment, though, so take your time and weigh your options carefully before making a final decision.

Guidelines To Booking an Affordable Chicago Hotel

Do Not Waste Your Time! 5 Guidelines & Pointers Regarding Affordable Chicago Hotel

Ohio House Motel recently released a new website to offer better and more convenient services to all their guests. With the new website, you are able to book and reserve rooms regardless of where you are in the country. Actually, even if you are actually from a different country and you would like to go to Chicago, you may always visit their website and book your accommodations. If you are going to book your lodging online, you will get a free breakfast and parking space. If you need a River North Chicago hotel, Inexpensive Hotel in Chicago, you can expect that Ohio House Motel is your most suitable option.

Ohio House Motel began during the 1960s and since then, they’ve been offering great lodgings for visitors for a good cost. It’s currently situated at the corner of LaSalle Street and Ohio Street in the center of Downtown Chicago. This is among the least expensive motels in Chicago right now, but the rooms are actually a high class and they’re all very comfy. It’s like you are staying in a high-class hotel without having to pay a lot. It has gone through multiple refurbishments and restorations to meet the requirements of the visitors, but the lodging is still very inexpensive so guests around the country are booking a room here in Ohio House.

You can surely find the different features of the brand new Ohio House website easier to use and more convenient. All the info that you should understand about the well-known motel, the rooms that they give and the amenities that they’ve can actually be seen on their website. The good thing about this is that you can reserve or book a room immediately on their website and you’ll be able to get a free breakfast as well. This implies that you can actually access their website anywhere if you have an internet connection and you may reserve your room wherever you are. If you would like to call them, you are able to find their phone number on the website.

Ohio House Motel is the same with any other hotels and motels that give marketing deals and discounts every once in a while. It would mean that the cost-effective rooms that they could provide may have a much lower price if you can find great deals on their website. You’ll be able to also be a member and you may earn free nights in Ohio House. Just contact them in case you are interested in this. They give free parking, free breakfast if you book online and there’s also free WIFI access so you’ll always be updated online. If you always wish to be updated on the latest deals that they offer, you may always sign up on their website and be notified on your email.

You may always spend time in Ohio House Motel if you’d like to seek out a Chicago Hotel with free parking and a Chicago Hotel with free breakfast. They could offer the best room for you for a good price.

Thermoplastic Polyolefin Single-Ply Roofing Membrane

St. Louis, Missouri (April 20th, 2018)- Are you considering being more eco-friendly? Do you also want to save money on your heating and cooling bills while doing so? If so, maybe a thermoplastic polyolefin (TPO) single-ply roofing membrane is for you. A TPO membrane is composed of three layers, the TPO polymer base, the polyester-reinforced fabric center, and the thermoplastic polyolefin compounded top ply. All three of these layers combined make this membrane extremely durable and resistant to tears.

The TPO roof is known for its thermal resistance, allowing for heating and cooling costs to be reduced dramatically. Who wouldn’t want a new roof that is cost-effective to install, as well as saves you money every month on your bills? If this sounds like something you may be interested in, contact Rely Roofing for all your flat roofing needs in St. Louis. They can assist with any questions pertaining to this roofing membrane, as well as provide free estimates.

Rely Roofing offers repair, restoration, and installation services to customers at affordable prices. Every job they complete is done in a professional and prompt manner, striving for customer satisfaction. With their expertise in residential and commercial flat roofing, the size of the job is no problem for them. Having over 40 years experience, there is no obstacle they cannot overcome.


Rely Roofing

3748 McKelvey Rd.

St. Louis, Missouri



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.

The People’s Counsel
4542 W Pine Blvd 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 in St. Louis 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

Mackler Associates
1067 N Mason Rd #5,
St. Louis, MO 63141
(314) 434-4431


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 without the right St. Louis mortgage company. 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 St. Louis mortgage companies 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.