Select Page

Home

Perfect Summer Destinations

Perfect Summer Destinations

 

St. Louis, Missouri (April 16th, 2018)- Summer is quickly approaching and kids will soon be out of school. Nobody wants to be cooped up in the house with the wild children all summer long, so finding places to go and things to do is extremely important. Somewhere that has tons of outdoor activities in St. Louis County is Maryland Heights, Missouri.

Creve Coeur Lake Park: A massive park with the focal point being the 320-acre lake. Take a walk, rent a kayak, play on the disc golf course, but don’t forget about the archery course. You will never run out of things to do in this beautiful park.

-Aquaport: An outdoor waterpark with a variety of slides for the whole family. The numerous pools, slides, lazy river, and children’s pool ensure a perfect place to cool off on a hot summer day.

-Go Ape Treetop Adventure: Swing through the obstacle course while dangling through the trees. Face the obstacles and challenges put in your way, but don’t forget to enjoy the thrilling ziplines as well.

-Vago Community Park: An adorable little park with 4 playgrounds, a sand volleyball court, softball fields, as well as pavilions for lunch or parties.

-Hollywood Casino Amphitheatre: Kick back and relax on the massive hill and watch your favorite artists perform.

 

There are plenty of ways to spend a summer day in Maryland Heights, so don’t miss out on all the fun. Visit their website to keep up with the latest events and attractions.

Visit Maryland Heights

PO Box 2125

Maryland Heights, MO 63043

New Home Protection Plan for the New Year

New Home Protection Plan for the New Year

The best time to look at what you need to do around the house is when the new year starts.  One of the things you might want to look at is pests, rodents, and insects. Certain rodents are more popular during the winter, while other insects come out in the summer. There is a St. Louis pest control company named Mick’s Exterminating that offers year-round home protection plans that provide treatments to your home and garage. Pests can cause major issues that may turn into large expenses, so the Home Protection Plan offers an alternative approach to keep your home pest free.

All of their plans start with inspections on the inside and outside of your home by their state-certified technicians to check for any pests. A lot of the issues you are experiencing will be eliminated by these long-lasting treatments. They can also place rodent traps in certain areas if needed.

With the Protection Plan, you get multiple visits where the technicians treat potential problems before they become an issue for you. In the warmer seasons, they provide a long-term treatment for the outside of your home, while treating the inside the same way in the winter. During every returning visit, their highly skilled technicians will keep an eye out for any pests that you may not have seen.

Not all Home Loans are the Same

Not all Home Loans are the Same

When buying a home, consider a loan that specifically matches your geographic location or employment history. This can help you save a significant amount of money. If you live in Missouri, make sure to ask yourself the following questions because Liberty Lending consultants might be able to help:

Was I in the military? If you are currently in the military or you served previously, you probably qualify for a VA loan. In St. Louis, current soldiers and veterans can get long-term financing for homes. Consider this option because a VA loan can be easier to get than a conventional home loan. Also, select spouses of current or former military members may qualify as well.

Do I live in a rural area? A Missouri USDA loan is also called a Rural Development Loan but is also applies to suburban areas. For most buyers it includes low rates, affordable payments, and no down payment.

Do I have bad credit? Don’t let a past bankruptcy or foreclosure stop you from applying for a loan. An FHA loan doesn’t have the strict requirements usually associated with applying for traditional financing. This is also an option for people who already have a loan but are looking for a lower rate.

Local Tutors Don’t Get a Summer Break, Here’s Why

Local Tutors Don’t Get a Summer Break, Here’s Why

 Students and Teachers Aren’t In The Classroom But Tutors Are Still At It

It’s summer again in St. Louis.  The days are long, it’s hot and humid, and the local pools are filled to the brim with kids on summer break.  Each year towards the end of May, students and teachers receive the gift of a nearly three-month long vacation.  This annual occurrence goes by a few names: summer break, summer vacation, summer holiday.  Whatever you call it, for students and teachers, it’s the best time of the year.  Gone are the responsibilities of homework and grading papers.  Well, at least until August.

Many teachers, especially grade school teachers, choose to stay home or spend the summer laying low.  Middle school and high school students might find themselves teaching summer classes or filling in at other higher educational institutions.  However, for the most part, summer is one long vacation for teachers.  Of course were all know, the same goes for students.  Though teachers and students aren’t in the classroom, there are still classes going on and many kids and teens are still taking on coursework throughout the summer.

Tutors don’t get a summer break.  You’d think with school out, tutors also take some time for themselves.  That might be true to some degree, however, for the most part, tutors are still working with students throughout the summer.  Why is this?  How is this possible?  If students aren’t in class, it’s not like they have homework.  That’s true but, like many parents and most students, there’s one critical component you might be missing.  Just because it’s July doesn’t mean students shouldn’t be learning.  As a matter of fact, multiple studies and reports suggest the summer months are lethal to what students learned at school over the past year.

Tutors actually take the time and work with students one-on-one or in small groups to ensure students retain what they’ve learned over the past school year.  Students lose much of what they’ve learned in the past school year over the summer especially when it comes to new mathematical skills.  Tutors and small classes effectively keep that from happening.

While teachers enjoy their break and most students sit by the pool, tutors work with students and parents who are working to be proactive during the summer months.  Whether it’s preparing for pre-algebra or reviewing the difference between they’re, their, and there, tutors can work with students in a variety of subjects.  Small classes are also available at rec centers, private schools, and through tutors.  These small classes are very effective yet much cheaper compared to one-on-one sessions with a tutor.

 

In addition to reviewing coursework, tutors are also helping teenaged students prepare for the next stage in their life.  In the fall, many high school students will take placement or entrance exams.  Tests including the ACT, SAT, and PSAT are a major factor in determining where a student will be able to go to college.  These tests, or rather the schools that are the result of these tests, also determine scholarships and direct financial aid from colleges.  The ACT, SAT, and other tests like them are one of the most critical components of the high school experience.  Tutors spend the summer to work with high school students to prepare for these tests.  Additionally, the summer is also a fantastic opportunity to enroll students in small classes to prepare for college placement tests.

As you can see, learning doesn’t take a break.  There are always opportunities for kids and teens to learn more and build off of what they’ve learned over the past school year.  Additionally, the summer is a great time to find a tutor to help your high school student prepare for college placement tests.

This post is provided by Mackler St. Louis ACT and SAT Test Prep

The Pros and Cons of Unions

The Pros and Cons of Unions

Labor unions are a hot topic for debate.  So-called pro-business conservatives often pander to groups that are very pro-union, however, at the same time fiscally conservative politicians are typically anti.  Moreso, so-called anti-business liberals are very pro-union, however, liberals often consist of urban elites that have no use for labor unions.  Unions are constantly brought into politics, however, they shouldn’t be.  Labor unions effective two groups of individuals; those in unions and those employing union workers.  However, at the same time, unions can effective consumers.  This post evaluates the pros and cons of labor unions without the politics.


Note that all of these pros and cons are both pros and cons.  That sounds confusing, but it’s easy to see what that means in this first pro/con.

Pro/Con: Higher Wages

Higher wages are always a pro for union workers.  Higher wages mean that their union has effectively bargained with their employer to get them a better wage.  A better or higher wage means more money for union workers.  In some cases, high wages actually help the employer as well.  When wages are higher, workers often feel that they are valued and employee morale is boosted.  This means harder working and dedicated employees.  So, yes, occasionally a union getting employees higher wages also helps the employer.

Of course, humans are naturally inefficient and higher wages don’t always equal increased productivity or efficiency.  Unionized labor can occasionally take advantage of a union’s power to get them higher wages.  They merit the benefits of higher wages without increasing productivity.  This is burdensome for the employer and therefore the consumer.  Similarly, when wages are increased to an extent that the overall cost of a product or service increases, a business will see a decrease in revenue and possibly profit.  This could mean that the consumer pays the cost of higher wages.

Labor unions can result in higher wages but also reduced revenue.

Labor unions can result in higher wages but also reduced revenue.

Pro/Con: Better Working Conditions

Just like pay, better working conditions are always a positive result for workers.  Better working conditions can lead to happier, healthier, and more productive employees and therefore lead to more revenue and dedicated workers.  Yet, at the same time, when unions demand too much of employers, the result can be negative for the employer.  Some unions will demand very short hours, heavily regulated workplaces, and extensive benefits.  In the short-run, these benefits are great for employees, however, expensive benefits and workplace upkeep can result in an inefficient work environment and decreased revenue for the employees.  Often times, the employee will end up paying for their extensive benefits in some form or another.

Pro/Con: Union Determines Disciplinary Action

First off, most of the time, when a union gets to determine disciplinary action, it only hurts the employee and company.  The only positive result of a union determining disciplinary action is reduced HR costs and less stress on management to deal with employee problems.  However, when a union gets to determine the ways in which workers are disciplined, disciplinary actions can be far and in-between.  When workers aren’t disciplined and performance isn’t properly monitored, massive inefficiencies arise.  Most of the time, for workers, unions protect the employee ensuring employees don’t use aggressive and abusive punishment or disciplinary action.  When unions determine disciplinary action, it also ensures a higher level of job security.

Labor unions lead to better working conditions but also higher production costs.

Labor unions lead to better working conditions but also higher production costs.

Pro/Con: More Bargaining Power

When unions have more leverage over an employer or company, it means better protection for its employees and more benefits.  It’s important that workers have a voice in a company no matter how large.  Large unions are able to act as one major body that ensures the security, safety, well-being, and voice of a company’s employees.  While at the same time, union avoidance groups like ANHS point out that this bargaining power can lead to the abuse of a company or executives.