Home By Geneva: Winter Edition 2023

One-Pot Meals

Try these recipes for quick meals on the go!

Welcome

Cold or Bold?

Well, that little rascal Punxsutawney Phil saw his shadow, which may or may not mean an extra 6 weeks of winter this year. Fun fact: the furry little meteorologist has only predicted accurately 40% of the time, which tracks with his human counterparts.

Either way, we have a choice – settle into the cold and gloom until spring fever hits – or go bold with big adventures, new experiences and warm melas with family and friends.

We LOVE bold here at HBG, so we’ve put together a Winter Edition filled with it! From our Winter Bucket List to Snowy Adventures you’ll be sure to work up an appetite for our special section, One Pot Meals for you to enjoy while binging on selections from our Must-Watch Streaming Guide!

Pre-Approval in 2023: What You Need To Know

Getting pre-approved is an important first step toward buying a home.

Happy reading,

James Polinori Geneva Financial CMO Editor Home By Geneva

2023 VIVA MAGENTA 18-750

Color of the Year

Pantone’s Color of The Year, Viva Magenta 18-750, vibrates with vim and vigor. It is a shade rooted in nature descending from the red family and expressive of a new signal of strength. Viva Magenta is brave and fearless, a pulsating color whose exuberance promotes a joyous and optimistic celebration, writing a new narrative.

The Color of the Year 2023 merges the richness, warmth, and strength of natural matters with the rich, open horizons of the digital world. The result is a shade of red that expands our horizons of authenticity. The metaverse creates new opportunities for us to express ourselves, and the raw fortitude of Viva Magenta inspires us to do so with confidence and bravery.

As we balance our digital and physical lives, we continue to grow our appreciation for the natural world. The Color of the Year 2023 acknowledges our gravitational pull towards natural colors as movements swell around climate change, sustainability, and land protection.

Try

out these decor pieces or gather inspiration for your own home refresh using the 2023 color of the year!

Samson Sofa Lounger https://www.apt2b.com

Magenta Fleur Rug https://rugs.com

Magenta French Table Lamps https://www.lampsplus.com

Palace Melamine Dinnerware & Serveware https://food52.com

Neil Accent Chair https://shopinspiredhome.com

Magenta Swivel Bar Stool https://www.homedepot.com

VIVA

Bucket List

As winter winds down, make the most of it with these classic and creative winter bucket list activities to try during the chilliest time of year!

HAVE A BONFIRE

Bring some friends around and roast marshmallows.

BAKE FESTIVE COOKIES

Do you need an excuse to do this one?

VOLUNTEER

There is no better way to experience the season than by giving back.

SLEEP IN AN ICE HOTEL

The coolest way to enjoy the cold. You might need a passport though.

SEND A CARE PACKAGE TO A SOLDIER

Not everyone can spend winter with the ones they love, so send some love their way with a care package.

HAVE A SNOWBALL FIGHT

Be sure to stockpile your snowballs to give yourself the best chance of winning.

WRITE YOUR NEW YEAR’S RESOLUTIONS

Get a headstart on your goals for the new year.

MAKE SNOW ANGELS

You’re sure to feel like a kid at heart.

SHOVEL A NEIGHBOR’S DRIVEWAY

It’s those random acts of kindness that can make a person’s day.

HIT THE SLOPES

From bunny slopes to black diamonds, skiing and snowboarding are guaranteed winter fun.

HELP WITH A FOOD DRIVE

Gather food and supplies for those in need.

SEE THE NORTHERN LIGHTS

Plane tickets anyone?

BUY MATCHING PAJAMAS

Now you can curl up for a cozy day inside.

LEARN HOW TO MAKE MAPLE TAFFY

This is a winter treat you’ll definitely want to try.

TAKE A DRIVE

Don’t be afraid to take the scenic route.

BUILD A SNOWMAN

Or an igloo. Or a snow sofa. Whatever gets your creative juices flowing.

KEEP A GRATITUDE JOURNAL

Practice introspection for the new year.

MAKE HOMEMADE HOT CHOCOLATE

Make your favorite hot chocolate recipe.

BINGE-WATCH A TV SERIES

Check out our list of must watch TV shows on page 42.

GO SLEDDING

A great way to bring back the nostalgia of being a kid.

VISIT A NATURAL HOT SPRING

Relax and soak in the winter scenery.

SEE THE NUTCRACKER BALLET

Enjoy a classic tale about good and evil and the magic of childhood.

READ BY THE FIRE

We love to cozy up and enjoy a good book, especially during winter.

DO THE POLAR BEAR PLUNGE

For those brave enough to try it.

ATTEND A HOCKEY GAME

A great fast-paced, exciting activity to get your heart racing.

ICE SKATE ON A LAKE

Not a possibility for everyone, but a great way to get outside and enjoy nature.

VISIT A WARMER CLIMATE

Winter isn’t for everybody. Is the beach calling your name?

CELEBRATE LUNAR NEW YEAR

Appreciate the traditional meaning of this holiday and its food, fun, and festivities.

TAKE A SLEIGH RIDE

An iconic winter activity that will fill you with wonder.

Mortgage Rates Will Come Down

This past year, rising mortgage rates have slowed the red-hot housing market. Over the past nine months, we’ve seen fewer homes sold than the previous month as home price growth has slowed.

All of this is due to the fact that the average 30-year fixed mortgage rate has doubled this year, severely limiting homebuying power for consumers. And, this month, the average rate for financing a home briefly rose over 7% before coming back down into the high 6% range. But we’re starting to see a hint of what mortgage interest rates could look like next year.

Inflation Is the Enemy of Long-Term Interest Rates

As long as inflation is high, we’ll see higher mortgage rates. Over the past couple of weeks, we’ve seen indications that inflation may be cooling, giving us a glimpse into what may happen in the future. The mortgage market is eagerly awaiting positive news on inflation. As Ali Wolf, Chief Economist at Zonda, says:

“The housing market is expected to face continued uncertainty heading into 2023 as consumers, financial markets, and policymakers work through their respective challenges in today’s economy. . . . we are watching for any additional stability in the MBS market, signs of cooling inflation, and/or less aggressive Federal Reserve action to give us confidence that mortgage rates are past their peak.”

What Does This Mean for the Future of Mortgage Rates?

As we get through the inflation battle and start to see that coming down, we should expect mortgage rates to follow. We’ve seen nods of this over the past couple of weeks. As the Federal Reserve works to bring inflation down, mortgage rates will come down as well. Bill McBride from Calculated Risk says:

“My current view is inflation will ease quicker than the Fed currently expects.”

As we look toward this year, we certainly hope he’s right.

Bottom Line

Mortgage rates will come down – it’s just a matter of time. The hope is we continue to see more positive news on inflation, and that’ll bring mortgage rates down. This will give prospective homebuyers more buying power and lead to more homeowners throughout the country.

Air-Fryer Potato Chips

SWEET POTATO AND EGG SKILLET

INGREDIENTS:

2 tbsp. butter

2 medium sweet potatoes, peeled and shredded (about 4 cups)

1 garlic clove, minced

1/2 tsp. salt, divided

1/8 tsp. dried thyme

2 cups fresh baby spinach

4 large eggs

1/8 tsp. coarsely ground pepper

DIRECTIONS:

In a large cast-iron or other heavy skillet, heat the butter over low heat. Add sweet potatoes, garlic, 1/4 teaspoon salt and thyme.

Cook, covered, until potatoes are almost tender, 4-5 minutes, stirring occasionally. Stir in spinach just until wilted, 2-3 minutes.

With the back of a spoon, make 4 wells in potato mixture. Break an egg into each well.

Sprinkle eggs with pepper and remaining 1/4 teaspoon salt. Cook, covered, over mediumlow heat until egg whites are completely set and yolks begin to thicken but are not hard, 5-7 minutes.

SHEET PAN BREAKFAST PIZZA

INGREDIENTS:

1 pkg. Crescent Rolls

8 oz. Jimmy Dean sausage

1 c. shredded hash browns – thawed

1 c. shredded cheese

5 eggs

1/4 c. milk

1/2 tsp. salt

1/2 tsp. pepper

2 tsp. parmesan – grated

DIRECTIONS:

Preheat oven to 375 degrees. Take the Crescent Rolls out of the fridge 15 minutes before making.

Spray small sheet pan (10×15) with nonstick spray. (TIP: For a deeper style pizza, you can make in a 9×13 casserole dish!)

Brown the sausage in a skillet and drain. Spread the rolls on prepared pan.

You will have to press and work the dough a little to make sure it covers the pan…pinch the pieces together.

Spoon sausage over the crust. Spread the potatoes over the meat. Spread the cheese over the potatoes.

Combine eggs, milk, salt, pepper, parmesan together in a separate bowl. Spoon the egg mixture evenly over the cheese.

Bake for 25-30 minutes or until eggs are set. Oven times vary so check it about half way through.

ULTIMATE FRENCH TOAST BAKE

INGREDIENTS:

16 oz. loaf of French bread

8–10 eggs

1 1/2 c. unsweetened almond milk (or milk of your choice)

1/3 c. real maple syrup

1 1/2 tsp. vanilla extract

1/4 c. butter, melted

8 oz. cream cheese, cubed

1 pint blackberries (or raspberries)

DIRECTIONS:

Preheat oven to 375 degrees F.

Spray 9×13 baking dish with olive oil or nonstick of choice.

Tear up bread into large chunks, placing them in the pan and spreading them out evenly, they should fill up the entire casserole dish.

In medium bowl, whisk together eggs and then add almond milk, maple syrup and vanilla extract.

Pour mixture evenly over bread chunks. Cover and place in the refrigerator*.

Evenly distribute blackberries and cream cheese on top. Pour melted butter evenly over the top.

Bake at 375 degrees F. for 30 minutes (middle rack and uncovered), or until golden brown.

Serve warm with real maple syrup (feel free to add a little powdered sugar on top if you want).

*Overnight: You can still make this without letting it sit overnight, but the longer you let it sit (up to 12 hours) the better it will turn out. That being said, I have made this multiple times with only letting it sit 5 minutes and it will still turn out!

TRIPLE BERRY GRANOLA FROZEN YOGURT BREAKFAST BARK

INGREDIENTS:

3 c. Dannon plain yogurt

1 c. Smucker’s fruit and honey spread (the Triple Berry version)

1 1/2 c. granola

1 c. blueberries

1 c. blackberries

1/2 c. quartered strawberries

DIRECTIONS:

Prepare a large sheet pan by placing a layer of parchment paper on it.

In a large bowl, combine the yogurt and spread and mix well. Spread the yogurt/spread mixture on top of the parchment paper. Use a spatula to even the mixture out.

Sprinkle the granola on top and use the spatula to press down on the granola.

Evenly place the blueberries, blackberries and strawberry quarters on top of the granola. Place the sheet pan in the freezer and chill for 2-3 hours or until the mixture has frozen together.

Before serving, crack the bark in multiple pieces. Leftovers should be placed in a freezersafe bag in the freezer.

SHEET-PAN CHIPOTLE-LIME SHRIMP BAKE

INGREDIENTS:

1-1/2 lbs. baby red potatoes, cut into 3/4-inch cubes

1 tbsp. extra virgin olive oil

3/4 tsp. sea salt, divided

3 medium limes

1/4 c. unsalted butter, melted

1 tsp. ground chipotle pepper

1/2 lb. fresh asparagus, trimmed

1/2 lb. broccolini or broccoli, cut into small florets

1 lb. uncooked shrimp (16-20 per pound), peeled and deveined

2 tbsp. minced fresh cilantro

DIRECTIONS:

Preheat oven to 400°.

Place potatoes in a greased 15x10x1-in. baking pan; drizzle with olive oil. Sprinkle with 1/4 teaspoon sea salt; stir to combine.

Bake for 30 minutes. Meanwhile, squeeze 1/3 cup juice from limes, reserving fruit. Combine the lime juice, melted butter, chipotle and remaining sea salt.

Remove pan from the oven; stir potatoes. Arrange asparagus, Broccolini, shrimp and reserved limes on top of potatoes. Pour lime juice mixture over vegetables and shrimp.

Bake until shrimp turn pink and vegetables are tender, about 10 minutes longer. Sprinkle with minced fresh cilantro.

ONE POT LEMON PEPPER CHICKEN WITH ORZO

INGREDIENTS:

4 chicken thighs

2 tbsp. lemon pepper seasoning

1 tbsp. cooking oil

2 cloves garlic

2 c. chicken broth

1/4 c. chopped parsley

1.5 c. orzo

2 oz. feta, crumbled

DIRECTIONS:

Blot the chicken thighs dry with a paper towel, then season both sides liberally with lemon pepper seasoning.

Heat a large deep skillet over medium. Once hot, add the cooking oil. Add the seasoned chicken thighs, skin side down, and let them cook undisturbed until browned (about 6-8 minutes for bone-in skin-on thighs).

Flip the chicken thighs and cook until browned on the second side. The chicken will be cooked most of the way through at this point but will finish cooking when simmered with the orzo. Remove the chicken to a clean plate.

While the chicken is browning, roughly chop about 1/4 bunch of parsley and mince two cloves of garlic. After removing the chicken from the skillet, turn the heat down to low, add the minced garlic, and sauté the garlic in the residual fat for about a minute.

Add 2 cups of chicken broth to the skillet and stir to dissolve the crispy browned bits from the bottom of the pan.

Add the orzo and half of the chopped parsley. Stir to combine. Finally, return the chicken to the skillet, skin side up.

Place a lid on the skillet, turn the heat up to high, and let the broth come to a full boil. Once it reaches a boil, turn the heat down to low. Let the skillet simmer on low for about 15 minutes, or until most of the broth has been absorbed.

Fluff the orzo around the chicken a bit with a fork, then top with the remaining parsley and the crumbled feta. Serve and enjoy!

BEEF AND CAULIFLOWER TACO SKILLET

INGREDIENTS:

2 cloves garlic

1 tbsp. olive oil

1/2 lb. ground beef

3 c. riced cauliflower

1 10 oz. can diced tomatoes with green chiles

1 15 oz. can black beans

1 tbsp. chili powder

1 tsp. smoked paprika

1 tsp. ground cumin

1/2 tsp. dried oregano

1/4 tsp. salt

1/8 tsp. pepper

2 oz. cheddar cheese, shredded

1 avocado

1 tomato

1/4 c. finely diced red onion

1 handful fresh cilantro

DIRECTIONS:

Mince the garlic. Add the garlic, olive oil, and ground beef to a large skillet and cook over medium heat until the ground beef is browned.

Drain the can of black beans and add them to the skillet along with the diced tomatoes with green chiles (not drained), chili powder, smoked paprika, cumin, oregano, salt, and pepper. Stir and cook until the skillet is simmering.

Add the riced cauliflower to the skillet (no need to thaw, if frozen). Continue to stir and cook over medium heat until the cauliflower is tender (about five minutes).

While the beef and cauliflower are heating, dice the tomato, avocado, and red onion. Roughly chop the cilantro.

Top the beef and cauliflower mixture with the shredded cheddar. Place a lid on the skillet, and let it heat over medium for a few minutes, or until the cheddar has melted.

Once the cheese is melted, top the skillet with the tomato, avocado, red onion, and cilantro. Serve immediately.

ONE POT LEMON GARLIC SHRIMP AND RICE

INGREDIENTS:

12 oz. shrimp, if frozen thaw (41-60 size)

1 fresh lemon

4 cloves garlic

2 Tbsp butter

1.5 c. long grain white rice

2 c. chicken broth

1/2 c. water

1 tsp. seasoning salt

2 tbsp. chopped parsley

DIRECTIONS:

Juice half of the lemon (you'll need about 2 tbsp juice) and slice the rest of the lemon for garnish.

Mince the garlic. Add the garlic to a deep skillet along with the butter and sauté the garlic over medium heat for 1-2 minutes.

Add the rice and continue to sauté for 1-2 minutes more. You should hear the rice begin to snap and crackle a little as it sautés in the hot butter.

Carefully add the chicken broth, 2 tbsp lemon juice, water, seasoning, and chopped parsley. Stir to combine.

Place a lid on the skillet and turn the heat up to medium-high. Allow the broth to come up to a full boil. Once it reaches a boil, turn the heat down to low and let it continue to simmer for 10 minutes.

Lift the lid briefly in order to scatter the shrimp over the surface of the rice. Replace the lid and allow the skillet to continue to cook over low for an additional 5 minutes.

Remove the skillet from the heat and allow it to rest. After resting, lift the lid. The shrimp should be opaque and pink.

Use a fork to carefully fluff the rice and partially stir the cooked shrimp into the rice. Add the leftover lemon slices and sprinkle with extra chopped parsley, if desired. Serve hot.

CHICKEN FAJITA CASSEROLE WITH RICE

INGREDIENTS:

1 tbsp. avocado oil

1 1/2 lbs. chicken breast sliced into thin strips

2 tbsp. taco seasoning (divided)

3 c. onion, julienned

5 heaping cups julienned bell peppers

1 1/2 c. Brown Jasmine Rice

1 heaping cup mushrooms, sliced

1 can (14.5 oz.) fire-roasted tomatoes

1 can (4 oz.) diced hatch green chiles

1 3/4 c. broth

1 heaping cup shredded cheddar cheese

Salt and pepper, to taste

DIRECTIONS:

Preheat oven to 375°

In a large cast-iron skillet over medium heat, add oil and let it get hot, about 1 minute. Add chicken, 1 tablespoon taco seasoning, and salt and pepper and saute for 2-3 minutes until browned (chicken does not have to be cooked all the way through). Remove from pan and set aside.

Add onions, a little salt and pepper, and saute for 2-3 minutes until slightly softened. If needed, add a splash of broth if you need to deglaze the pan and speed up the cooking process some. Add peppers and remaining taco seasoning and saute for another 2-3 minutes.

Add rice and mix well to combine and let toast for 1-2 minutes. Add in the cooked chicken, fire-roasted tomatoes, green chiles, and mushrooms, and mix well to combine. Add broth and carefully stir to make sure it is well incorporated. You want to make sure you have enough liquid so you can see a little on the top, but not completely covering everything. Not enough liquid and you will be left with uncooked rice. Too much and it will be too soggy and won't absorb. See the pictures for reference.

Cover with tin foil and bake for 45 minutes. Remove the foil and bake for another 5-10 minutes until all the liquid is absorbed. The rice should be cooked through and fluffy. Remove from oven, sprinkle with shredded cheese, and bake for another 1-2 minutes until cheese is melted.

Top with toppings of choice and enjoy!

VEGAN CHEESY BROCCOLI CASSEROLE

INGREDIENTS:

1–2 tbsp. olive or avocado oil

1 large onion, diced small

4 large celery stalks, chopped

3 garlic cloves, minced

1 1/2 c. cassava orzo, not cooked*

3 c. vegetable broth

13.5 oz. can full-fat coconut milk

5 c. organic broccoli florets, steamed

1 1/2 c. shredded non-dairy cheese

Optional: some breadcrumbs on top for crunch or spices like red pepper flakes, basil, black pepper and sea salt to taste and you can add in some protein too if you’d like

DIRECTIONS:

Warm a large 12-inch cast iron skillet with the oil then add onion, celery and garlic and cook for about 5-7 minutes or until fragrant (if you don’t have cast iron skillet – use a pan then you’ll have to add everything to an oven-safe dish)

Next add the orzo, vegetable broth and coconut milk and sit all together and bring to a boil

Lower heat to a simmer, cover and cook for 1520 minutes (stir ever 5 minutes or so!)

Preheat oven to 425 degrees and add in the broccoli to the skillet and mix in

Add skillet to oven to bake for 10 minutes then sprinkle cheese on top (if using breadcrumbs add these now too) and add back to oven and cook for 5 minutes then broil for 1 and enjoy while warm!

CAJUN SALMON AND ASPARAGUS

INGREDIENTS:

4 pieces 5-6 oz portions of salmon

4 tbsp. of cajun spice (more if you like it super spicy)

4 tbsp. garlic powder

1 tbsp. kosher salt

1/2 tbsp. freshly ground black pepper

3 tbsp. olive oil

Juice of half a lemon

Half a lemon sliced

2 lbs. of asparagus (woody stalks removed*)

Olive oil

DIRECTIONS:

Preheat oven to 450°

Place the salmon pieces skin side down on a large enough sheet pan to accommodate the fish and the asparagus.

Drizzle oil over the salmon and the veggies.

Drizzle lemon juice over the salmon and veggies as well.

Sprinkle the cajun spice, garlic powder, salt and pepper over the salmon and the asparagus.*

Rub the mixture all over the salmon making sure that it is nicely covered in spicy goodness.

Place the lemon slices on top of the fish.

Toss the asparagus so it is evenly covered as well.

Place into the oven for 15 minutes or until the fish is flaky.

HONEY BALSAMIC CHICKEN

INGREDIENTS:

CHICKEN MARINADE:

5-6 chicken thighs skin on, bone-in

1/4 c. avocado oil

2 tbsp. garlic minced

1 tbsp. ginger minced

1 tsp. smoked paprika

1 1/2 tbsp. Dijon mustard

1/4 c. pure honey

1/2 c. balsamic vinegar

2 tbsp. dried oregano

1 tsp. kosher salt

1/2 tsp. black pepper

ROASTED VEGGIES:

7 c. vegetables cut into chunks, see notes

2 tbsp. garlic minced

3 tbsp. avocado oil

Kosher salt to taste

Black pepper to taste

DIRECTIONS:

Preheat the oven to 425°.

Adjust the oven rack to the middle position. Line a baking sheet with parchment paper and set aside. Mix together all the ingredients under "chicken marinade" and toss the chicken thighs well. Set aside while you prepare the vegetables. I like to let the chicken sit for about 30 minutes to let everything really marinade.

In a large bowl, add all the vegetables and toss them in garlic, avocado oil, salt, and pepper. Mix well. Transfer to the prepared baking sheet and make sure they are spread out evenly in one layer. If there is not enough room, use a second sheet.

Place the chicken thighs on top of the vegetables and bake for 35-40 minutes or until the internal temperature of the chicken reads 165 degrees Fahrenheit.

HOT HONEY CHICKPEA BOWLS

INGREDIENTS:

HOT HONEY CHICKPEAS:

1 tbsp. avocado oil

2 tsp. minced garlic

1 15 oz. can chickpeas (drained)

1/4 c. honey

2 tbsp. sriracha

1 tsp. salt

1 tsp pepper

1/8 tsp. cayenne (optional)

1/4 tsp. crushed red pepper (optional)

BOWLS

2 c. cooked brown rice

4-5 stalks celery (chopped)

4 medium carrots (chopped or shredded)

4 tbsp. ranch dressing (optional, for topping)

Cilantro (for topping)

DIRECTIONS:

In a skillet or sauce pan, heat up the oil and garlic over medium heat.

Add in the chickpeas.

Whisk together the honey, sriracha, salt, pepper, cayenne, and crushed red pepper in a bowl.

Pour the hot honey sauce over the chickpeas and bring to a simmer.

Cook for 5-6 minutes, stirring occasionally, until the sauce begins to thicken and reduce.

Remove from heat and let cool as the sauce continues to thicken for 3-5 minutes.

Serve the hot honey chickpeas over cooked rice along with celery, carrots, cilantro, and a drizzle of ranch dressing!

TURKEY MEATBALLS IN TOMATO BASIL SAUCE WITH BURRATA

INGREDIENTS:

MEATBALLS:

1 lb. 93% lean ground turkey

1 egg

1/3 c. panko breadcrumbs

2 tbsp. fresh basil, finely minced

1 tsp. Dijon mustard

1 tsp. Italian seasoning

1 tsp. cumin

1/2 tsp. garlic powder

1/4 tsp. cayenne pepper

1/2 tsp. salt

Freshly ground black pepper

SAUCE:

1 (24 oz.) jar your favorite pasta sauce

4-6 large basil leaves, julienned

1/2 tsp. red pepper flakes

4-6 oz. Burrata cheese, cut into large pieces

DIRECTIONS:

In a large bowl, use your hands to combine the turkey, egg, bread crumbs, basil, Dijon mustard, Italian seasoning, cumin, garlic powder, cayenne and salt and pepper. Mix together until well combined and roll into 16 golf ball sized meatballs.

Place a large skillet over medium high heat and add in olive oil. Add meatballs and brown on add sides; this should take about 5 minutes. You don't need to cook them all the way through.

Once meatballs have browned on all sides, reduce heat to medium low and add your tomato sauce. Spoon the tomato sauce generously over the meatballs. Bring to a simmer, cover with a lid and cook for 10-15 minutes while you make your pasta (if making).

After about 10 minutes, add the basil and burrata in the tomato sauce and/or over the meatballs; cover and continue cooking for 5 more minutes or until the cheese has melted into the sauce.

Serve meatballs over grain or pasta of choice. Would also be great over spaghetti squash.

SPICY UNSTUFFED CABBAGE

INGREDIENTS:

1 lb. spicy bulk pork sausage

1 lb. lean ground beef

1 (28 oz) can diced tomatoes

1 onion, chopped

1 (6 oz.) can tomato paste

2 tbsp. distilled white vinegar

2 tsp. chili powder

1/2 tsp. salt

1/4 tsp. red pepper flakes, or more to taste

10 c. shredded cabbage

DIRECTIONS:

Heat a large skillet over medium-high heat. Cook and stir sausage and beef in the hot skillet until browned and crumbly, 7 to 10 minutes; drain and discard grease.

Stir diced tomatoes, onion, tomato paste, vinegar, chili powder, salt, and red pepper flakes into sausage mixture.

Fold in cabbage. Reduce heat to mediumlow and cook, stirring occasionally, until cabbage is tender, 20 to 25 minutes.

ONE-SKILLET MEXICAN QUINOA

INGREDIENTS:

1 tbsp. olive oil

1 medium jalapeño pepper, chopped

2 cloves garlic, chopped

1 (15 oz.) can black beans, rinsed and drained

1 (14.5 oz.) can fire-roasted diced tomatoes

1 c. yellow corn

1 c. quinoa

1 c. chicken broth

1 tbsp. red pepper flakes, or to taste

1 1/2 tsp. chili powder

1/2 tsp. ground cumin

kosher salt and ground black pepper to taste

1 medium avocado

1 medium lime, juiced

2 tbsp. chopped fresh cilantro

DIRECTIONS:

Heat oil in a large skillet over medium-high heat. Sauté jalapeño pepper and garlic in the hot oil until fragrant, about 1 minute.

Stir black beans, tomatoes, corn, quinoa, and chicken broth into the skillet. Season with pepper flakes, chili powder, cumin, salt, and black pepper; bring to a boil.

Cover the skillet with a lid, reduce heat to low, and simmer until quinoa is tender and liquid is mostly absorbed, about 20 minutes.

Add avocado, lime juice, and cilantro; stir until combined.

ONE PAN CREAMY GARLIC CHICKEN

INGREDIENTS:

2 1/2 tbsp. avocado oil split in two

1 1/2 lbs. boneless & skinless chicken thighs

2 tbsp. arrowroot flour

2 tsp. kosher salt

3/4 tsp. black pepper

1 yellow onion diced

1/3 c. bone broth or chicken broth

7 oz. sun dried tomatoes, in olive oil drained

8 garlic cloves minced

15 oz. canned coconut milk

2 tbsp. nutritional yeast

4 c. spinach lightly packed

2 tsp. Italian seasoning

Kosher salt to taste

Black pepper to taste

DIRECTIONS:

Cut chicken thighs into 1 - 1 1/2" bite-size chunks. Transfer to a large bowl. Add half of the avocado oil, arrowroot, salt, and pepper. Give everything a nice stir and be sure it is evenly coated. Set aside.

Heat up a large skillet over medium heat for 2 minutes and add the oil. Let that heat through for another minute. Add chicken to the pan, and cook for 4-5 minutes each side until golden brown but not completely cooked through. Transfer to a bowl or plate with a slotted spoon and set aside.

Add the diced onion to the pan and cook for 2-3 minutes until soft. Add 1 tablespoon of oil from the sun dried tomatoes and minced garlic. Cook for 1 minute, stirring often. Add broth to the pan, scraping from the bottom of the pan and stirring frequently. Cook until broth has reduced down by at least 50%.

Add sun-dried tomatoes to the pan. Fry for 2-3 minutes until quite fragrant and well combined, stirring occasionally.

Add coconut milk and nutritional yeast to the pan. Once the coconut milk has reached a boil, turn the heat down to medium-low. Add spinach to the pan and stir until slightly wilted, about 1 minute.

Add chicken back into the pan and sprinkle with seasoning. Stir frequently for another 7-10 minutes, letting all of the flavors marinade and allowing the chicken to cook all the way through. Season with additional salt and pepper if necessary.

Top off with fresh lemon wedges and chopped parsley.

SHEET PAN ROASTED VEGGIE TACOS

INGREDIENTS:

FOR THE SPICES:

1 1/2 tsp. cumin

1 1/2 tsp. coriander

1 1/2 tsp. turmeric

3/4 tsp. garlic powder

1/2 tsp. dried oregano

1/4 tsp. cayenne

1/2 tsp. salt

Freshly ground black pepper

FOR THE VEGGIES:

1 head cauliflower, cut into florets

1 medium sweet potato, diced into ½ inch cubes

1 red bell pepper, cut into chunks

1 red onion, cut into chunks

1 c. frozen or fresh corn

2 tbsp. olive or avocado oil

1/2 medium lime, juiced

1 (15 oz.) can black beans, rinsed and drained

OTHER:

8 tortillas of choice

1 avocado, sliced or diced Sliced red cabbage, for crunch

DIRECTIONS:

Preheat the oven to 400°. Line a large baking sheet with parchment paper. Depending on the size of your sheet pan, you may need to use two pans in order to fit all of the veggies.

In a small bowl, mix together all of the ingredients for the spices so they are well combined: cumin, coriander, turmeric, garlic powder, oregano, cayenne, salt and pepper.

Add the cauliflower florets, diced sweet potato, red bell pepper, red onion, and corn (if using) to the prepared pan. Drizzle with avocado oil and lime juice. Sprinkle spices all over the veggies. Use a tong or clean hands to combine all the veggies so they are well coated with the spices and oil. I find that using hands is much easier!

Roast the veggies for 30-40 minutes, stirring halfway through. You’ll know they are done when sweet potatoes are fork tender. During the last 5-10 minutes of baking, remove the pan from the oven and add the rinsed and drained black beans right to the sheet pan with the veggies. This is simply to warm the beans in the oven without needing to use another pot or bowl!

Serve on charred tortillas.

S’MORES DIP

INGREDIENTS:

11.5 oz. milk chocolate chips Ghirardelli

16 oz. marshmallows regular size

DIPPING OPTIONS:

Graham crackers

Fresh fruit strawberries, blackberries, raspberries

Pretzels

Apple slices

Cookies or Nilla wafers

DIRECTIONS:

Preheat the oven to 350º.

Pour the chocolate chips into an 8-inch cast iron skillet and lay evenly.

Melt in the oven for 3-4 minutes.

Remove from the oven and place the marshmallows tightly into circles over the melted chocolate.

Return to the oven for an additional 3-4 minutes, until the top is golden brown.

Be sure to watch this! Do not broil.

We want heat all around the skillet to keep the chocolate chips melted while the marshmallows puff.

Serve with graham crackers and fresh fruit.

STRAWBERRY ICEBOX CAKE

INGREDIENTS:

2 c. heavy cream

1/2 c. powdered sugar

1 tsp. vanilla

1 lb. strawberries sliced

7.2 oz. graham crackers (1.5 sleeves)

DIRECTIONS:

In a stand mixer or with a hand-held mixer, beat the cream, powdered sugar and vanilla until stiff peaks form.

Place a very thin layer of cream on the bottom of a 9×9 square pan. Next, add a single layer of graham crackers.

Top with 1/3 of the whipped cream and smooth with a spatula. Add 1/3 of the strawberries in an even layer.

Repeat layers 2 more times, ending with strawberries. Arrange the berries in a pretty pattern, if desired.

Cover with plastic wrap and refrigerate for at least 4 hours or overnight before serving.

CHERRY PINEAPPLE DUMP CAKE

INGREDIENTS:

1 21-oz can cherry pie filling

1 15-oz can crushed pineapple

1 box white cake mix (18 ounces)

1 1/2 sticks (12 tbsp.) butter

DIRECTIONS:

Preheat the oven to 350º.

Dump the cherry pie filling and crushed pineapple into a 9-by-13-inch baking dish. Stir together.

Sprinkle the cake mix over the top of the fruit. Slice the butter into tablespoons and distribute evenly over the surface of the cake mix.

Bake until the top is brown and bubbly, 45 minutes to 1 hour. Serve with whipped cream.

EASIEST BROWNIES EVER

INGREDIENTS:

1/2 c. oil, such as canola or peanut

1 1/4 c. granulated sugar

3/4 c. all-purpose flour

1/2 c. natural cocoa powder

1/2 tsp. salt

2 large eggs

2 tbsp. water

1/2 c. chocolate chips

DIRECTIONS:

Heat the oven 350°. Prepare an 8-inch metal baking pan. Arrange a rack in the middle of the oven.

Pour the oil into the 8x8-inch metal baking pan and gently swirl the oil around the pan and up the sides.

Add the dry ingredients to the pan. Add the sugar, flour, cocoa powder, and salt to the baking pan.

Add the eggs and water and stir well. Crack the eggs directly into the baking pan and add the water. Use a sturdy spatula or wooden spoon to first puncture the yolks and then mix the batter until completely wet, about 1 1/2 minutes of stirring.

Stir in the chocolate chips (save a few to sprinkle on top). Use the spatula to spread the batter in an even layer, being sure to work it into the corners of the pan.

Bake 25 to 28 minutes. Bake until a knife inserted in the center comes out mostly clean, 25 to 28 minutes.

Cool the brownies on a cooling rack for 15 minutes before cutting into 9 squares for serving.

What Are Your Homeownership Goals This Year?

If buying or selling a home is one of your resolutions for 2023, it’s essential for you to understand today’s housing market, define your goals, and work with industry experts to bring your homeownership vision for the new year into focus.

In the last year, high inflation had a big impact on the economy, the housing market, and likely on your wallet too. That’s why it’s critical to have a clear understanding of not just the market today, but also what you want out of it when you buy or sell a home. Danielle

Hale, Chief Economist at realtor.com,

explains:

“The key to making a good decision in this challenging housing market is to be laser focused on what you need now and in the years ahead, so that you can stay in your home long enough that buying is a sound financial decision.”

1. WHAT’S MOTIVATING YOU?

You’re dreaming about making a move for a reason – what is it? No matter what’s happening in the market, there are still many compelling reasons to buy a home today. Your needs may have changed in a way your current house can’t address, or you could be ready to step into homeownership for the first time and have a space that’s truly your own. Use what’s motivating you as a guidepost in partnership with an expert advisor to help make sure your move will give you a lasting sense of accomplishment.

2. WHAT DOES YOUR NEXT HOME LOOK LIKE?

You know you want to move, but how would you describe your dream home? The available supply of homes for sale has grown, and that could mean more options to choose from when you buy. Just be sure to keep your budget in mind and work with a trusted real estate professional to balance your wants and needs. The better you understand what’s essential and where you can be flexible, the easier it can be to find the home that’s right for you.

3. HOW READY ARE YOU TO BUY?

Getting clear on your budget and savings is essential before you get too far into the process. Working with a local agent and a lender early is the best

way to make sure you’re in a good position to buy. This could include planning how much to save for a down payment, getting pre-approved for a home loan, and assessing your current home equity if your move involves selling your existing house.

A PROFESSIONAL WILL GUIDE YOU THROUGH EVERY STEP OF THE PROCESS

Buying or selling a home is a big process that takes expertise to navigate. If that feels a bit overwhelming, you aren’t alone. According to a recent Harris Poll survey, one in five respondents see a lack of information or knowledge about the homebuying process as a barrier from owning a home. Don’t let uncertainty hold you back from your goals this year. A trusted expert can bridge that gap and give you the best advice and information about today’s market.

Here are a few questions you can start thinking through as you fine-tune your goals for 2023.

Hobbies to Ward Off the Winter Blues 20

The Winter Blues have gotten us all at one point or another. The most reliable way to keep them at bay is by keeping active.

Whether you enjoy getting comfortable or pushing beyond your comfort zone, we have at least a few hobbies that are sure to break the ice.

CREATE AN ORGANIZING ROUTINE

Spring will be here sooner than you think! Getting a head start on your organization can prepare you for spring cleaning.

BAKE BREAD

Quickly becoming one of the trendiest ways to spend time inside, learning how to bake a delicious loaf of bread will keep both your mind and your stomach satisfied.

TAKE AN ONLINE CLASS

Bad weather is the perfect excuse to stay in and do some learning. Websites like Masterclass, Udemy, and Skillshare can help you improve useful skills and explore interests like never before!

ROLL OUT A YOGA MAT

Yoga is a great way to improve both mental and physical well-being even while staying in the comfort of your own home. Or you can try out a local yoga studio and learn from an expert!

TRY UPCYCLING OR DIY

If the winter weather has you storing away more than you need, rather than throwing away your old things, try upcycling or DIYing them to make them even better and more unique than before.

LEARN A NEW LANGUAGE

Learning a new language can have a lot of benefits to mental acuity and can even slow brain aging. Not to mention it’s a useful tool for any world travels you might have planned for the summer.

READ MORE

A classic New Year’s resolution, picking up a good book can be a great way to stay entertained, explore new ideas, and reduce screen time.

INVEST IN YOUR HOME

Whether adding new furniture, trying out a new paint color, or repairing your rain gutters, home improvement is a great way to stay productive during the winter months and make your space your own. A cash-out refinance could give you the capital to do it!

GET CRAFTING

There is a reason knitting, sewing, candle making, and countless other crafts have been popular for generations. There’s a craft for everyone!

SNOWFLAKE PRESERVATION

Using science and just a bit of patience, you can preserve a snowflake as a special memory that will last a lifetime!

VOLUNTEER

Volunteer opportunities are everywhere! One of the best ways to enjoy the season is by making it more enjoyable for others.

WOODWORKING/CRAFTING

If you like to work with your hands, picking up a new craft like woodworking can give you tangible results for time well spent.

START A WINTER GARDEN

For those with a green thumb, gardening in winter can seem fruitless. But it doesn’t have to be! Carefully selecting coldresistant and hardy plants can keep your garden blooming all season.

CAMPING

Depending on where you live (and how adventurous you are) camping can still be a great way to enjoy the great outdoors even during the winter. Just be sure you take proper safety precautions and speak with an expert before you go.

SNOWBOARDING/SKIING

These are bonafide winter classics. Whether it’s a lifelong hobby or a bucket list item you’re dying to check off, skiing and snowboarding can’t be beaten.

SNOWSHOEING

Enjoying nature on foot isn’t just a summer activity. Snowshoeing gives you the opportunity to get some winter exercise and a great view to match!

ICE SKATING

On a lake or in a rink, you can find a place to skate nearly anywhere. Grab a pair of skates and get back on the ice this winter!

FAT TIRE BIKING

Hit the slopes in a whole new way with a fat tire bike! The design keeps you from sinking into the snow and is a great alternative to skiing and snowboarding for the ultimate adventure.

SLEDDING

Sledding down a hill is a dear childhood memory for many and a great activity for parents, but adults can get just as big a thrill.

BUILD A SNOW FORT

A snow fort isn’t done until it has snow protection. Be sure to arm up with plenty of snowballs before you’re raided by the enemy!

How to Boost Your Immune System This Winter

It is extremely vital to ensure you are taking the necessary steps to boost your immune system this winter. Colder temperatures mean greater chance of illnesses and viruses spreading. We’ve got you covered by compiling our best tips and tricks to ensure you stay healthy this season.

Not only are these methods effective for strengthening your immune system but your overall health and wellness as well.

HYGIENE

Be sure to wash your hands any time you come into contact with anything whether it be a surface, restroom, shared common area, etc. Washing your hands can be the key to fighting off stubborn bacteria.

CREATING HEALTHY ROUTINES

Implementing healthy routines in your daily life can boost your mood, mind, and ability to conquer your day.

Ways to incorporate healthy routines could look like:

Eat food that fuels your body with the nutrients you need.

Exercise in a manner that feels right for your body. (ie. walking, hiking, yoga, weight lifting, etc.) You are more likely to stick to a workout plan that you enjoy.

GET ENOUGH SLEEP

Sleep is the most important thing you can do for your body to help it recover.

DRINK ENOUGH WATER

Water is essential to allowing your body to function. Ensure you are consuming the recommended amount for your body and lifestyle each day.

GET YOUR FLU SHOT

This can help you be less susceptible to getting the flu during the season! Pop into your local Walgreens or CVS and schedule yours today!

CONSIDER TAKING VITAMINS

A lot of Americans are vitamin deficient, and can sometimes be more prone to get an illness. Do you research and see which vitamins work best for your needs.

Pre-Approval in 2023: What You Need To Know

One of the first steps in your homebuying journey is getting pre-approved. To understand why it’s such an important step, you need to understand what pre-approval is and what it does for you.

Business Insider explains:

“In a preapproval [sic], the lender tells you which types of loans you may be eligible to take out, how much you may be approved to borrow, and what your rate could be.”

Basically, pre-approval gives you critical information about the homebuying process that’ll help you understand your options and what you may be able to borrow.

How does it work? As part of the pre-approval process, a lender will look at your finances to determine what they’d be willing to loan you. From there, your lender will give you a pre-approval letter to help you understand how much money you can borrow. That can make it easier when you set out to search for homes because you’ll know your overall numbers. And with higher mortgage rates impacting affordability for many buyers today, a solid understanding of your numbers is even more important.

Pre-Approval Helps Show You’re a Serious Buyer

Another added benefit is pre-approval can help a seller feel more confident in your offer because it shows you’re serious about buying their house. A recent article from Forbes notes:

“From the seller’s perspective, a preapproval [sic] letter from a reputable local lender often can make the difference between accepting and rejecting an offer.”

This goes to show, even though you may not face the intense bidding wars you saw if you tried to buy during the pandemic, pre-approval is still an important part of making a strong offer. In fact, Christy Bieber, Personal Finance Writer at The Motley Fool explains it may be the most important part of making an offer:

“Pre-approval maximizes the chances you’ll be able to actually close the deal – and sellers want to see that.

The fact that a pre-approval gives you a better chance of getting your offer accepted is undoubtedly the most important reason to complete this step . . .”

Bottom Line

Getting pre-approved is an important first step toward buying a home. It lets you know what you can borrow and shows sellers you’re serious about purchasing their home. Connect with a licensed loan professional so you have the tools you need to purchase a home in today’s market.

Must-Watch TV Shows for this Winter

With Christmas over, for some it just doesn’t feel right to sit down and watch a Hallmark movie. If you need a great new show to binge for the new year, then throw on your comfy pajamas and grab a bag of popcorn – this must-watch list for the winter has a little something for everyone.

Netflix

1. The Witcher: Blood Origin

2. You

3. Wednesday

4. Dash & Lily

5. Our Planet: Frozen Worlds

6. Wynonna Earp

7. Alice in Borderland

8. The Recruit

9. Down to Earth

10. Sandman Disney

Plus

1. National Treasure: Edge of History

2. Willow

3. Star Wars: Andor

4. The Mysterious Benedict Society

5. She-Hulk: Attorney at Law

6. Snowdrop

7. The Mandalorian

8. Welcome to Earth

9. Magic Bake-Off

10. Just Beyond

HBO MAX

1. The Gilded Age

2. Pennyworth

3. The Big Brunch

4. Avenue 5

5. Abbott Elementary

6. House of the Dragon

7. The White Lotus

8. Lovecraft Country

9. Pretty Little Liars: Original Sin

10. The Staircase Hulu

1. Welcome to Chippendales

2. The Patient

3. Welcome to Wrexham

4. Reservation Dogs

5. What We Do in the Shadows

6. Only Murders in the Building

7. Love, Victor

8. Conversations with Friends

9. Candy

10. Cruel Summer

Amazon Prime (Rent or Buy)

1. Jack Ryan

2. Rings of Power

3. Three Pines

4. Riches

5. The English

6. Paper Girls

7. The Terminal List

8. The Summer I Turned Pretty

9. The Marvelous Mrs. Maisel

10. The Wheel of Time