West Newsmagazine 11-29-23

28 I
November 29, 2023
WEST NEWSMAGAZINE
ON THE BOOKSHELF, from page 27
nation. But what’s an adventure –real or
imagined – without a furry friend alongside?
Alcorn drew from her own “dog
mom” adventures in penning “Don’t Bark
to Strangers,” the story of Chip, an Australian
Shepherd puppy who turns the life
of his owner, Sinclair, (and her trash can)
upside down.
Chip changed everything for Sinclair,
her family and her moody cat. But he made
them all a little crazy. So, in her quest to be
the best dog mom ever, Sinclair came up
with a unique idea. She decided to start a
Ruff Life therapy business for pet parents.
She’s unlicensed and a little unhinged, but
her clients love talking to her, and to each
other, about their furry family members.
You can bet they have some hilarious stories
to share.
“Don’t Bark to Strangers” is available on
amazon.com.
KIDS & YOUNG ADULTS
In 2021, Michael Kleckner published
“Mike’s Unforgettable St. Louis History,”
a book for adults. But why should grownups
have all the fun?
As he tucked his 5-year-old son into
bed one night, Kleckner decided to write
“Mike’s Unforgettable St. Louis History,
For Kids.” Kids and their grown-ups will
enjoy historical photos alongside whimsical
illustrations that bring history to life.
From the humorous origins
of favorite foods
to animals escaping
from the zoo, Kleckner
shares fun stories from
St. Louis history. Learn
more at mikesunforgettablestlouis.com.
J.M. Gulmire is a kid
at heart with a house
full of critters and
elves (aka children).
She wrote “Kay-9 the
Robot Dog” because
the elves begged her
for a story about robot
dogs. Upon searching
through mountains of
books and so many web
pages that the computer
revolted, she found nothing.
When the dust settled there was nothing
in children’s fiction, nonfiction, or unfinished
fiction about a robot dog, so Kay-9
jumped onto the page demanding belly
rubs and bolts, Gimire says.
In “Kay-9 the Robot Dog,” Gulmire
tells the story of Ryan, a lonely only child
whose dad is away serving in the military.
Ryan can’t have pets and all he wants is a
dog. So he decides to make one. He loves
computers and building
things, but everyone
thinks he’s just playing
around, making a toy.
Ryan focuses on creating
the best Kay-9 he
can but can he prove
that his robot dog isn’t
just a toy? Find out for
yourself. “Kay-9 the
Robot Dog” is available
on amazon.com.
In “Lexi’s Gift,”
John R. Stoeffler
founder of the “Sweet
Dreams Pillow” tells
the story of a little girl
named Lexie, whose
best friend’s father is
in the Army and called
to active duty. Susan is so sad that her
dad will miss her birthday and Christmas
and won’t be there to hug, kiss and
tuck her in at bedtime. Lexie wishes she
could do something to comfort Susan
while her father is away. With a little help,
she makes the perfect present for Susan:
@WESTNEWSMAG
WESTNEWSMAGAZINE.COM
a pillow on which her father’s picture is
printed. Susan is thrilled, and the girls
decide to make more picture pillows for
military kids. In doing so they discover it
is more fun to give than to receive.
Illustrated by Jeanine-Jonee Keith,
“Lexie’s Gift” is available at amazon.com
and barnesandnoble.com.
In “Oceans of Sand,” award-winning
young adult fantasy author Jessica Flory
shares the story of a young woman whose
desert world has always been treacherous
but now is plagued by an unnatural
famine that threatens to destroy all.
Norah is chosen with her best friend,
Zadock, to sail across an ocean of sand
in search of an artifact that could end the
famine.
Caught in a crossfire between forbidden
feelings, an unforgiving desert, and starving
nations willing to do anything to survive,
Norah and Zadock discover the true
meaning of sacrifice and the power that
love has to heal the world.
Flory uses her bachelor’s degree in
molecular biology from Bringham Young
University-Provo to dream up cool settings
and magic systems. She is a proud member
of the Hot Mess Writers Critique Group
since 2013. Her books are available at
amazon.com and barnesandnoble.com.
5 90%
.
APR*
Year 1 & 2: Fixed Rate of 5.90%
Year 3: Fixed Rate of 6.25%
Year 4: Fixed Rate of 6.70%
Issued By
Wells Fargo &
Company
4 Yr. Step-UP Note
Investment Rating: A1 / BBB+
Final Maturity Date: 11/24/2027
First Callable Date: 11/24/2024
*Subject to Availability. The Annual Percentage Rate (APR) represents the interest earned through each eligible
call date based on simple interest calculations, an investment price of $1000 per corporate bond, and is accurate
as of November 20, 2023. Callable corporate bonds are more likely to be called in a lower interest rate
environment, and investors may be unable to reinvest funds at the same rate as the original corporate bonds.
The minimum balance required to purchase the corporate bond and obtain the APR is $10,000. Interest payouts
are mandatory, and interest cannot remain on deposit. This investment is not FDIC insured.
The Step-UP bonds are callable in twelve months, and six months thereafter. At the end of the 24-months, if the
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.
If the bonds have not been called-in after 36-months from issuance, the interest rate will then increase to 6.70%,
and will pay the rate for the last 12-months, until maturity.
Corporate bond prices move opposite to interest rates, increasing when rates decline and falling when rates increase.
Corporate bonds are intended to be held until maturity, as this assures redemption at par value. Investors
may sell them before the stated maturity date, if needed, at the prevailing market prices, and proceeds may be
more or less than the original investment. Market values of longer term corporate bonds tend to be more sen-sitive
to interest rate fluctuation. Thus, the longer-term corporate bonds are generally not suitable for investors
with a short-term horizon. Other factors that may affect corporate bonds are order size, call features, and investor
demand. Sales charges may apply. Consider all risks and benefits and how this investment alternative may help
meet investment objectives.
For Complete Details, Call:
Jeffrey S. Patterson, Managing Partner
Patterson Wealth Management LLC
15415 Clayton Rd • Ballwin, MO 63011
636-779-0664 • 800-536-8770
pattersonwealthmanagement.com
Securities and Investment Advisory Services offered through Cutter & Company, Inc. Member FINRA, SIPC. Patterson Wealth Management,
Cutter & Company, Inc. and the issuer are not affiliated. Banking products and FDIC insurance are provided by the issuer.