30.10.2023 Views

West Newsmagazine 11-1-23

Local news, local politics and community events for West St. Louis County Missouri.

Local news, local politics and community events for West St. Louis County Missouri.

SHOW MORE
SHOW LESS

You also want an ePaper? Increase the reach of your titles

YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.

FACEBOOK.COM/WESTNEWSMAGAZINE<br />

WESTNEWSMAGAZINE.COM<br />

Whether it’s at the hearth or at the<br />

grill, people naturally congregate<br />

around a flame, said Frank Schmer,<br />

owner of St. Louis Home Fires.<br />

“It’s the warmth of the fire, it goes<br />

back to the very beginning, cavemen<br />

sitting around a fire cooking up meat,”<br />

he said.<br />

Now in the 21st century, with gas<br />

fireplaces and gas grills, heating and<br />

cooking have never been easier.<br />

Gas fireplaces take the drudgery out<br />

of building, stoking and extinguishing<br />

a fire, he said.<br />

“This is convenience. It’s all about<br />

the ease of it. We have remote control,<br />

so literally its about the turn of a knob<br />

or the click of a button, and it’s instant<br />

fire,” Schmer said. “There is no mess,<br />

no carrying wood through your house<br />

or walking out to the woodpile when its<br />

10 below zero.”<br />

People are using their fireplaces<br />

more because of it, he said.<br />

“You would never think to have a<br />

wood fire for half an hour, but you can<br />

turn these on and off. Take the chill<br />

off the room; have a cup of coffee, run<br />

them for half an hour, then go about<br />

your day and turn them back on in the<br />

evening.”<br />

St. Louis Home Fires also<br />

offers 99% efficient logs,<br />

Schmer said.<br />

“If people are concerned<br />

about home heating or the Schmer<br />

price of gas, you can actually add heat more<br />

efficiently than your furnace because the<br />

logs burn so clean they can be operated with<br />

the damper closed,” he said.<br />

As a reminder, Schmer says those who<br />

want gas logs by Christmas, need to get<br />

them on the schedule now. Installations<br />

are already booked into late November and<br />

early December. And before the fire season<br />

gets under way in earnest its a good idea to<br />

take care of any needed maintenance.<br />

November 1, 20<strong>23</strong><br />

WEST NEWSMAGAZINE<br />

“It’s not a bad idea every two or three<br />

years to have a maintenance call, a log tune<br />

up,” Schmer said. “We check the gas pressure,<br />

make sure the gas logs are working<br />

properly. It’s a really popular service.”<br />

St. Louis Home Fires also offers grill<br />

maintenance and grill cleaning in the off<br />

season.<br />

As for grills, some people make good<br />

use of them in every season, Schmer<br />

said.<br />

“You can cook outdoors all year<br />

round with smokers and pellet<br />

cookers. They need very little attention.<br />

They are kind of a set it and<br />

forget it type of smoking,” he said.<br />

Cooking outdoors is one of<br />

Schmer’s greatest pleasures. The<br />

founder and now president emeritus<br />

of the St. Louis BBQ Society<br />

said that the attraction of a good BBQ is<br />

about hospitality and entertaining family<br />

and friends.<br />

“I think our whole business is based on<br />

cooking for other people, cooking in the<br />

backyard. There’s something very gratifying<br />

about it. There’s nothing more worthwhile<br />

than cooking for someone else,” he said.<br />

Recently, St. Louis Home Fires<br />

expanded its space and its line to include<br />

prebuilt outdoor kitchens. Instead of stone<br />

I BUSINESS SPOTLIGHT I 47<br />

St. Louis Home Fires can make your home the place at which to gather<br />

(St. Louis Home Fires photo)<br />

or brick these appliance cabinets are made<br />

of aluminum and are much more affordable,<br />

Schmer said. The store also carries a<br />

variety of outdoor gas and wood fire pits.<br />

This year, St. Louis Home Fires celebrates<br />

20 years in business.<br />

“Business has been good,” Schmer said.<br />

We are a part of the community both from<br />

an event standpoint and working with the<br />

people. We have a lot of regulars, and there<br />

is nothing more about community than<br />

barbecue and cooking in the backyard or<br />

family and friends sitting around their fireplace<br />

on the interior,” Schmer said.<br />

“We are in the service business,” Schmer<br />

said. “The products we sell are provided<br />

by companies we partner with that are just<br />

like us, reputable businesses that provide<br />

the best product and the best service. We<br />

don’t do a lot of different things. We don’t<br />

do patio furniture and hot tubs and all that<br />

kind of stuff. We do grills and fireplaces<br />

and gas logs, and we think what we do, we<br />

do better than anyone else.”<br />

St. Louis Home Fires<br />

15053 Manchester Road • Ballwin<br />

stlhomefires@sbcglobal.net<br />

stlhomefires.com • 636-256-6564<br />

Owners Ben Boland & Jim Menner<br />

BEFORE<br />

H NEST<br />

JUN K HAULING<br />

CALL TODAY, WE’LL HAUL YOUR JUNK AWAY!<br />

AFTER<br />

Furniture • Appliances<br />

Electronics • Yard Clean Out<br />

Fences • Decks • Trampolines<br />

Swing Sets • Sheds • Pools<br />

• Real Estate Cleanup<br />

• Garage Clean Out<br />

• Basement Clean Out<br />

• Estate Clean Out<br />

• Remodeling Demo<br />

• Debris Loading & Hauling<br />

ALL ITEMS, LARGE & SMALL | REMOVAL, LOADING & DISPOSAL<br />

LARGE SCREEN<br />

$ TV PICK-UP<br />

30 OFF $<br />

50 OFF<br />

SHEDS, PLAYSETS<br />

AND FENCES<br />

$<br />

99<br />

HOT TUB<br />

REMOVAL<br />

Up to 65” – includes disposal fee<br />

(Each additional TV – $50)<br />

EXPIRES 12/2/<strong>23</strong> EXPIRES 12/2/<strong>23</strong> EXPIRES 12/2/<strong>23</strong><br />

Cannot be combined with other offers. Cannot be combined with other offers. Cannot be combined with other offers.<br />

$<br />

25 OFF<br />

ANY<br />

PICK-UP<br />

EXPIRES 12/2/<strong>23</strong><br />

Cannot be combined with other offers.<br />

FREE ESTIMATES BY PHONE/TEXT OR ON-SITE<br />

314-312-1077 | www.honestjunk.com<br />

Locally Owned & Operated | Residential or Commercial<br />

6<br />

APR*<br />

Year 2: Fixed Rate of 6.25%<br />

Year 3: Fixed Rate of 6.50%<br />

00%<br />

.<br />

Year 1: Fixed Rate of 6.00%<br />

For Complete Details, Call:<br />

Jeffrey S. Patterson, Managing Partner<br />

Patterson Wealth Management LLC<br />

15415 Clayton Rd • Ballwin, MO 630<strong>11</strong><br />

636-779-0664 • 800-536-8770<br />

pattersonwealthmanagement.com<br />

Issued By<br />

Wells Fargo &<br />

Company<br />

3 Yr. Step-UP Note<br />

Investment Rating: A1 / BBB+<br />

Final Maturity Date: 10/26/2026<br />

First Callable Date: 10/26/2024<br />

*Subject to Availability. The Annual Percentage Rate (APR) represents the interest earned through each eli-gible<br />

call date based on simple interest calculations, an investment price of $1000 per corporate bond, and is accurate<br />

as of October 19, 20<strong>23</strong>. Callable corporate bonds are more likely to be called in a lower interest rate environment,<br />

and investors may be unable to reinvest funds at the same rate as the original corporate bonds. The minimum<br />

balance required to purchase the corporate bond and obtain the APR is $10,000. Interest payouts are mandatory,<br />

and interest cannot remain on deposit. This investment is not FDIC insured.<br />

The Step-UP bonds are callable in twelve months, and six months thereafter. At the end of the 12-months, if the<br />

bonds are not called in, the interest rate will step up to 6.25%. The bonds will pay 6.25% for the next 12 months.<br />

If the bonds have not been called-in after 24-months from issuance, the interest rate will then increase to 6.50%,<br />

and will pay the rate for the last 12-months, until maturity.<br />

Corporate bond prices move opposite to interest rates, increasing when rates decline and falling when rates increase.<br />

Corporate bonds are intended to be held until maturity, as this assures redemption at par value. Investors<br />

may sell them before the stated maturity date, if needed, at the prevailing market prices, and proceeds may be<br />

more or less than the original investment. Market values of longer term corporate bonds tend to be more sen-sitive<br />

to interest rate fluctuation. Thus, the longer-term corporate bonds are generally not suitable for investors<br />

with a short-term horizon. Other factors that may affect corporate bonds are order size, call features, and investor<br />

demand. Sales charges may apply. Consider all risks and benefits and how this investment alternative may help<br />

meet investment objectives.<br />

Securities and Investment Advisory Services offered through Cutter & Company, Inc. Member FINRA, SIPC. Patterson Wealth Management,<br />

Cutter & Company, Inc. and the issuer are not affiliated. Banking products and FDIC insurance are provided by the issuer.

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!