Home By Geneva: Fall Edition 2023

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by GENEVA

GIRLON Fire

Special Section

You'll never guess this special ingredient used to make everyday meals.

Fall Days Ahead

Tips and ideas of what you can do this fall to keep busy.

Mortgage News

Tips on what you need to know when buying a home.

Girl Power!

I grew up the only boy in a house full of women. Strong, feisty, passionate, amazing women. As the oldest child, I watched my mother work several jobs at a time during my youth to make ends meet while I helped take care of my younger sisters.

Those incredible women provided me a perspective of the world and their gender that I might not have otherwise had. It shaped my relationships and opened my eyes to the blatant inequity when I walked into the workforce in the early 1990’s. Much work still needs to be done on this front, but we’ve come a long way from those days.

With “International Day of the Girl” coming up on October 11th, we wanted to spotlight a shining example of girl power for our cover story.

Kart Racing, the gateway to a professional race car driving career, is as heavily male dominated as the pro circuit. Kaylee Countryman is breaking barriers and records in her journey to a professional career on the track. Enjoy our cover story on this talented young woman and keep an eye out for her in the racing world!

This issue also covers our annual celebration of all things Fall. Don’t miss our special recipe section, tailgating tips and more!

Until next time,

James Polinori Geneva Financial CMO

Editor Home By Geneva

HOW

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TWO

Things to consider to help you put your best foot forward when making an offer. 60

Top two questions to ask yourself about home prices and mortgage rates.

STUDY UP ON

THESE BACK-TO-SCHOOL SCHEDULE TIPS

LIFESTYLE

The transition from summer vacation back to school can be a difficult one, but the best way to tackle these changes is by being prepared. We’ve put together this list of tips to help you and your little ones (even if they’re not so little anymore) feel ready for the new school year – so study up!

Start Early

Sudden changes in routine are not a good way to kick off the school year. If possible, start making steady changes sooner, up to several weeks before the start of the new school year. This will steadily transition sleep, diet, and work schedules. You as a parent may have to make some changes too, so be prepared!

Transition Sleep Schedules

As we mentioned above, changing routines can be a difficult task. One of the most challenging parts of back-to-school season is adjusting sleep schedules. As summer passes, the days will start to feel shorter and for many waking up early can feel more difficult than normal. Children and teens also require more sleep than adults, with teens generally preferring to go to bed later. Accounting for this when setting sleep schedules is essential. If they are having trouble making the change, be sure that caffeine, food, and electronics are limited no less than 8 hours, 4 hours, and 30 minutes beforehand respectfully.

Establish a Routine

Our bodies thrive on consistent routines. Ensuring that your family is on a consistent routine even during the summer can help smooth the transition back to school. This will be especially helpful to working parents who can’t change their routines throughout the year. Plan for regular meals, exercise, social time, work, study time, and don’t forget quality time together as a family.

Organize Assignments

Many students still receive summer assignments to be turned in at the beginning of the next school year. Letting these assignments fall by the wayside is certain to spoil the end of summer break when it all needs to be done at once. Spreading it out or getting it done early into summer break can leave the rest of summer vacation free for fun!

Keep Open Lines of Communication

The most important thing to remember for Back-to-School is to communicate with your kids. This transition can be stressful and exciting and it’s important to let your kids know that they can always share what’s bothering them. You should also keep an open line of communication available for teachers, coaches, and other family members so everyone is on the same page.

Back-to-School can be a big change, but it is also an opportunity for a fresh start. Be sure you and your family are prepared and set up for success!

VOLUNTEER IDEAS Fall

Serve Food at a Soup Kitchen

When you think of this time of year, one of the main things that comes to mind is the warm and delicious comfort meals that we all love. Unfortunately, there are individuals out there that do not have this luxury. Consider volunteering at a soup kitchen, providing warm food for people in need.

Donate Warm Clothing

As temperatures drop, there becomes an increasing need for warmer clothing. A great way to give back to your community could be as easy as looking in your closet and providing warm clothing to the people that need it most! There are plenty of ways to donate clothing, and there are locations everywhere!

Make Care Packages for the Unhoused

Warm clothing, such as a beanies, scarfs, gloves, and hand warmers are all excellent options that can be provided to those who need them most this fall. These essentials can help to keep people warm and comfortable during the colder months, and they are also a symbol that people appreciate and care for them.

Write Cards for Patients at a Children’s Hospital

Let a child know that you are thinking about them this fall by writing them a card. In the fall, the sense of community and togetherness is amplified, it is the perfect time to reach out and let children who are battling know that they are not alone.

Volunteering is a great way to give back to your community, and the fall season is all about community and giving. This season of giving, give the gift of donations, and time to your community! Wondering how to get involved? Here is our list of top ways to give back this fall!

Donate Halloween Candy

Looking to brighten the lives of someone in your community? Consider donating Halloween candy! Halloween is a holiday for fun, but children in hospitals, shelters, or service members abroad may miss out on all the joy of this wonderful holiday. Programs such as the Halloween Candy Buyback program, and Treats for Troops are just a few examples of the many organizations out there willing to take your candy and provide it to people who would appreciate it.

If you are interested in volunteering this fall, there are many options and ways you can make a difference. Wondering where to start? Look online, ask around, or visit a community center around you to learn more, and find opportunities.

MOST OF SHORT

6WAYS TO MAKE THE

Do you feel like your days are getting shorter and your nights are getting longer? You aren’t alone, and you definitely aren’t crazy. Winter solstice is an event that occurs in December every year when the sun travels the shortest path of the year, and we experience the ‘shortest day’.

Of course, we don’t lose time in the day. There are still 24 hours in a day, but running out of daylight can have an effect on us! Looking for ways to get the most out of your fall days? Here are our tips to make your fall days memorable and have a great time even when it gets dark earlier.

Visit a Local Farmers Market

Host a Fall Potluck

The fall season is a time for coming together and spending time with your closest friends and family. What better time is there to host a potluck? Invite all of your favorite people, have everyone bring their favorite fall dish, and enjoy a night of great company and food! The best way to slow down time is to surround yourself with the people you enjoy the most, so it has to kick off our list of the top things to do this fall.

Go on a Walk

Stay healthy while taking in the beauty that fall offers by taking a walk! Just think about the fall foliage: the crisp air, the fallen leaves, and the beautiful fall trees… some of the reasons why taking a walk in the fall is the best time to take a walk all year! If you start at the right time, you’ll even see the sun go down, just adding to the beauty!

Watch the Sunrise

Not a fan of waking up early in the morning? Now is the perfect time to catch the sunrise. Head towards a popular viewing point to watch the sunrise on a wonderful fall morning. Pair a nice sunrise with a morning cup of coffee and a blanket for a start to an amazing day.

Arguably the best part about fall is the Farmers Markets! Farmers Markets offer so many benefits to a community that the list is endless. Not only is it the best way to support local business and entrepreneurship, but it is also a place to get the freshest produce, find the best seasonal ingredients, socialize, and enjoy the outdoors! Farmers’ markets are an essential piece to any community, the perfect place to spend the day. Start a Bonfire

Looking for a fun way to spend time with friends and family? Consider a fall bonfire. Stay warm by the fire while enjoying the fall atmosphere, catching up with people, and enjoying your time together. A bonfire is also a fun way to prepare food, and there are many options to choose from! When people start getting hungry, give your attendees skewers to cook hot dogs, marshmallows for smores, fruit, and kebabs!

Have a Picnic

Rounding out the list of ideas is having a picnic! A picnic in the fall is the perfect way to slow down time and make the most of your day. Pack all of your favorite treats, bring pumpkin pie for dessert, and apple cider in a thermos to keep you warm and comfortable! Having a picnic is a great way to relax, de-stress, and take a break from all distractions from your everyday life. It could also be a good way to exercise as well if you pick the right location. Opt for a picnic spot that requires a hike to get to. A nice, secluded area will be perfect, and allow you to be one with nature.

There you have it! Our list of 6 smart ways to make your shorter fall days memorable. Use these tips this fall to make your holiday season unforgettable!

10 New Things TO TRY IN YOUR CITY

Whether you just moved and you want to explore your new neighborhood or you’re a lifelong local, there are always new adventures just waiting to be taken in your surrounding area. We put together this list of fun new things to try in almost any city.

Play Tourist

It can be difficult to see your city in a new light when you’ve lived there your whole life. But you don’t have to be a transplant to play tourist. Look up all the touristy attractions near you and see if there is something new for you to try!

Take a Food Tour

What better way to get a taste of the local flavor than by taking a food tour? If you want to try a bunch in one go, try organize a progressive dinner with friends.

Explore Nature

Every area has something unique to offer its residents. Whether it’s the unforgiving and ethereal red cliffs in the Grand Canyon, the tranquil quiet of the Appalachians, or the breathtaking mountain views of the Pacific Northwest, stepping out into nature is sure to offer something new each and every time.

Go Geocaching

Geocaching is a great way to explore a new area. Bringing treasure hunting into the 21st century, geocaching uses GPS to find hidden treasures or caches all over the world. It doesn’t matter if you live in a small town or a metropolis, geocaching is such a wide-spread phenomenon, there is sure to be one nearby!

Attend a Local Game

Local sports games can be a great way to feel the unique spirit of your community. Introduce yourself to the locals and see how they support their favorite teams.

Try a Staycation

This is a great choice for people who have lived in one area for a long time. Seeing your hometown through the lens of a visitor can shine a whole new light on your routine. You might even find something you want to start doing more regularly!

Enjoy the Arts

Appreciation for art and culture is important, and every town will do it differently. See how your city expresses itself by visiting local art shops, museums, and theatres.

Support Local Businesses

We particularly like trying local farmers’ markets and u-pick farms, but any local business will be a fun new spot to try. Supporting local businesses helps retain the unique personality and flair of your city.

Take in the Green Spaces

What a breath of fresh air! Local parks, hikes, river recreation areas, and more are often excellent ways to save money without missing out on the luscious natural beauty of your city. Just be sure to pack smart, and maybe bring a picnic basket.

Expand Your Horizons

Our #1 favorite tip for trying new things is to take a step out of your comfort zone. Places like Trip Advisor and your city’s tourism website will show all sorts of different events and activities available in your area. Getting a little adventurous can be a fun way to learn more about yourself and your community.

KAYLEE:

GIRLON Fire

TAKING THE RACING WORLD BY STORM

Written By: Cierra Dootson

COVER STORY

In the fast-paced realm of motorsports, where the roar of engines, the smell of burnt rubber and karts reaching speeds of nearly 80 mph, create an adrenaline-fueled symphony, one young prodigy is making her mark. Meet Kaylee, a thirteen-year-old dynamo who is revolutionizing the racing scene with her unwavering passion and exceptional skills.

A Glimpse into Kaylee's World

"My name is Kaylee," she begins with a bright smile, "and I'm a thirteenyear-old girl in motorsports. I've been racing karts for a year and a half now and absolutely love it." A recent transition to online schooling was necessary to accommodate the demands of her racing pursuits. Yet, even in the face of this challenge, Kaylee's enthusiasm remains unshaken. "My favorite subjects are math and social studies," she reveals, hinting at the analytical mindset that undoubtedly aids her on the track. With dreams of becoming a professional race-car driver, Kaylee is setting her sights on a future defined by speed, determination, and unbridled success.

The Spark that Ignited the Passion

Kaylee's journey into racing was ignited by a fascination with speed and a deep appreciation for the intricate dance between man and machine. "I got into racing because I admired the speed and nerves I get," she shares. Her connection to the sport runs deep, encompassing both the physical and mental aspects. "I enjoy the nerves, work, competition, speed, passing, and sometimes the starts," Kaylee muses, her words echoing the heart-pounding thrill of the race. Her inspiration? Max Verstappen, the Formula 1 sensation known for his calm yet aggressive driving style. "I want to be like him, and better," she declares with determination.

A Day in the Life of a Rising Star

Kaylee's daily routine revolves around her relentless pursuit of excellence. Whether it's a practice day or a race day, the dedication she pours into her craft is unwavering. "On a race day, I'll wake up an hour and a half prior to the time we need to leave for the track," she explains. This early start ensures she's fully awake and focused, ready to tackle the challenges ahead. Despite the long hours spent at the track, Kaylee acknowledges her need to improve her eating habits, an aspect she's actively working on.

Accelerating Towards Success

Joining J3 Competition, a factory team known for nurturing exceptional talent, stands as Kaylee's proudest achievement to date. "They have had great teaching methods, and they all really understand racing," she notes. As she continues to train with the guidance of industry experts, Kaylee is resolute in her goal to become the best. This year, her sights are set on a significant milestone: "I aim to make it to the final in arguably the biggest race in the world." It's a lofty ambition, but one that mirrors Kaylee's unyielding determination and hunger for victory.

The biggest lesson I’ve learned so far is that in this sport, you cannot half-ass it. It’s either all in, or not at all. You’ve got to stay committed, be motivated on and off the track, execute, and keep a good mindset throughout the entire journey.

Photos By: Danny Rivera

Photos By: Danny Rivera

Conquering Challenges with Tenacity

In a sport where gender disparities persist, Kaylee acknowledges the differences in coaching and delivery between male and female racers. "My coach seems to be less harsh on me especially when I mess up," she reflects. While advocating for equal treatment, Kaylee's focus remains on mastering her craft. Patience, she emphasizes, is key – a virtue essential for both triumph and personal growth.

Mastering the Mental Game

"The most challenging part of this sport is having patience and like any sport and being one person," Kaylee explains. Navigating the intricate dance of maintaining consistency on and off the track requires a steadfast mindset. "To overcome it, you have to be mentally strong," she advises, highlighting the power of positive self-talk and a resolute determination to shatter selfimposed limits.

Embracing the Journey Ahead

As Kaylee's racing journey unfolds, she finds boundless excitement in the prospect of exploring new tracks and climates. "Travelling so much for this racing builds confidence for me and allows me to have more racing experience," she enthuses. Each twist and turn of the road fuels her appetite for discovery and growth. Although based in Chandler, AZ, Kaylee travels a lot. Just this year she has raced in Houston, TX twice, Pittsburgh PA twice, Tucson, AZ, Salt Lake, UT, Edmonton, Canada, Vancouver, Canada. She also has races scheduled for Indianapolis IN, and Las Vegas, NV. The goal is to make it to Worlds next year in Bahrain.

Lessons Carved in the Circuit

The journey has already imparted valuable lessons to this young racing sensation. "The biggest lesson I've learned so far is that in this sport, you cannot half-ass it," Kaylee declares emphatically. Her wisdom encapsulates the essence of commitment, motivation, execution, and unwavering self-belief – qualities that underscore her path to greatness.

In a realm dominated by speed, strategy, and skill, Kaylee stands as a beacon of hope and inspiration. With her eyes firmly fixed on the horizon, she is primed to break barriers, shatter records, and redefine the landscape of motorsports. As the engine of her kart roars to life, so does a new chapter in the legacy of a fearless young racer named Kaylee.

TRANSITION YOUR HOME FOR FALL Easy Tips to

The fall season is here! For many of us, #fall vibes are everything, and if you want to get a jump start on decorating, here are our easiest tips to transition your home from summer to fall. Re-decorating your home can seem like a big endeavor, but these simple tips will break down the process into manageable steps so you can channel all the #fall vibes with ease.

Pillows

Placing throw pillows on your couch, bed, and chairs is one of the easiest ways to change aesthetics for the season. Choose tones that encapsulate the season. Many stores such as At Home and HomeGoods have aisles with color-coded pillows of all shades to make matching easy as pumpkin pie.

Bedding

Swapping out your bedding is a must if you want to turn your bedroom into a cozy fall oasis. Choose warm neutral tones so you can use the bedding for both fall and winter!

Throw Blankets

Throw blankets are a great way to add texture or layers to create a comfy fall feeling. They are a great addition to the corner of a couch, sprawled across your bed, or over your favorite reading chair.

Florals

Changing out your florals for fall-colored arrangements is a simple swap! Choose the colors that make you happy and arrangements that encapsulate what fall means to you!

Entry Way Decor

Making a few inexpensive swaps to your entryway can completely transform your home and is often the first impression your guests will have of your space for the new season.

You can keep your home’s fall transformation as affordable or luxurious as you would like. The most important part is that it is cozy and suits your lifestyle!

PUMPKINS THIS FALL HOW TO REUSE YOUR

Donate Them

We always love to find new ways to reduce waste and our footprint where we can. We hope these tips will be useful to you this fall. Maybe you’ll even start a new tradition!

Pumpkins are a token fall squash, but how many times have we watched them rot and waste away on the front porch? We love making the most of what we have, so if you’re interested in giving your fall pumpkins a second life, we have the tips for you.

What if you’re not interested in the extra work or maybe you just don’t like pumpkin? Plenty of organizations would love to take them off your hands. Check with local zoos, sanctuaries, farms, and composters to see if any of them can make use of them.

Decorate Them

*Be sure your pumpkins are clean, unrotted, and untouched by insects or animals before consuming. Pumpkins kept inside the home may be best.

Roast Them

If you’re using your pumpkins for carving, roasting the seeds can be a great way to use the entirety of the pumpkin. Plus, you get a delicious snack while carving! *

Cook Them

When it comes to cooking, pumpkins might be more versatile than you think. Whether you’re pureeing, roasting, making soup stock, or anything else, the pumpkin’s hearty nature is sure to satisfy.

Compost Them

So, what if you’ve already carved them? It’s not too late! Once you no longer have a need for your pumpkins, you can give them a new purpose through compost. Whether you have your own compost or use someone else’s, pumpkins will make excellent soil for the next season of planting.

Bake Them

Of course, we couldn’t create this list without sharing the most obvious (and maybe best) way to reuse your pumpkins. Creating a delicious, fall-themed dessert might just be a requirement if you’re looking for ways to make the most of your pumpkin harvest. *

Did you know uncarved pumpkins can last up to 2-3 months? It might be hard to believe, but if you have extra pumpkins and you can keep them untouched and out of the sun, they make excellent fall decorations, and may even make it to Thanksgiving!

TRENDING WALL TREATMENTS FOR

20 23

Gone are the days of boring, blank, minimalist walls. 2023 home design has been all about showing off personality and unique style, and specialty wall treatments are having their moment in the spotlight. We wanted to share our favorite wall treatments that are coming back into style.

WALLPAPERS

Wallpaper originally went out of style almost 100 years ago but it has made a comeback in a big way. People are no longer just using it for accent walls either, now choosing to paste it nearly anywhere from hallways to bathrooms to all across kitchens. Colors and patterns are bright, modern and contrast well with popular vintage furniture and decor trends. Wallpaper is also great for renters with damage-free alterations that can be removed at move-out.

BOX TRIM & BOARD AND BATTEN

These treatment styles are classics and have been trending for some time now, but we don’t see them losing steam anytime soon. Easy to install and beautifully simple, both box trim and board and batten can look stunning in nearly any home. We love them on accent walls in contrast with a bright paint color or eye-catching wall piece.

TILE

Throw images of old, boring tile with dirty grout out of your mind. We are talking textured tile, colorful tile, tile made from different materials. We saw this example with vintage notes and fell in love. Use it as a kitchen backsplash or to decorate your fireplace for a pop of something different.

MURALS

People are putting more and more thought into making their house a home. A personalized mural is a unique way to catch attention and personalize your space to your taste. We are seeing people all over the internet design murals for different areas of the house, but our favorites so far are the ones for kids’ rooms. What a cool way to make the kid zone the fun zone!

LIMEWASHING

Limewashing is the 2023 professional interior designer’s wall treatment of choice. Introduced by the Belgians, limewashing involves crushing limestone into a powder, burning it, and mixing it with water into a putty. The putty is then aged and thinned out with water and colored with natural pigments of choice. This paint style is eco-friendly and a great way to add dimension and luxury to your next redesign.

Styles phase in and out but one thing we can say for certain is that these wall treatments have taken home design to the next level. We are so excited to see how people choose to level up their spaces next!

DIYFall Candles

Looking for the perfect hobby to pick up this fall? The season of fall is perfect for making candles! Candles bring the warm and relaxing atmosphere that is synonymous will fall, are super fun to make, and you can also give them to your friends and family as a gift to let them know that you are thinking about them.

Wondering how to get started making candles this fall? Take a look at our guide for all the information you need to make amazing candles!

WHAT YOU WILL NEED INSTRUCTIONS

Wax Flakes

Candle Wick

Candle Container

Your Favorite Fragrances, Essential Oils, and Colorings (make sure they are candle-safe)

Thermometer

Glass Measuring Cup

Heating Source (Stove, Microwave)

Melting Pot

Popsicle Stick, Chopstick, or Pencil

Clothespin

Scissors

A Workplace Protected with Paper Towels, or Newspapers

1. Begin by gathering your materials and protecting your workspace with paper towels or newspapers.

2. Find how much wax can fit into your container, fill your candle with wax flakes, and once full, pour the flakes into your glass measuring cup, then repeat one more time so there are two containers worth of wax flakes in your glass measuring cup.

3. Fill your pot with water, then place it on the heating source of your choice. If microwaving: microwave for 1 minute, stir, then repeat.

4. Heat water to ~ 180 degrees Fahrenheit, place a glass measuring cup into the water, then it is time to get creative! Mix the essential oils, colorings, and fragrances you desire, and stir until the mixture turns into liquid.

5. Place your popsicle stick, chopstick, or pencil on the top of your container.

6. Use the clothespin to bind the wick to the top of your popsicle stick, chopstick, or pencil, and make sure your wick hangs and falls to the bottom of your container.

7. Pour your liquid wax into your container, and make sure there is ample space above the liquid for your wick to stay.

8. Wait for the wax to cool, if you would like to place any extra decorations into your candle, now would be the time!

9. Once your wax is cooled, cut the wick with scissors to however long you would like, and place any toppings you would like for extra decoration!

Your candle is now made! The possibilities are endless for creations you can make, not only in terms of fragrance and color, but container type, decoration, and toppings as well!

SERVING THOSE WHO HAVE SERVED:

MAKE THE MOST OF YOUR VA LOAN WITH MORTGAGE LOAN OFFICER MARK CLARK

Considering the immense contributions and sacrifices our veterans have made for their country, they have more than earned the benefits they are granted through the VA home loan program. Mortgage Loan Officer and Veteran Mortgage Wingman, Mark Clark, shares with us his passion for helping veterans and service members on their journey to homeownership.

What is some information (and misinformation) you can share about the VA loan?

The VA allows vets and active-duty service members to use their home loan benefits many times, not just once. They do not take longer than other loan types and the properties aren't required to meet additional standards. There is tremendous misinformation in the market about the VA Loan, which is why I also spend my time educating the community. One major misconception about a VA loan is that people believe they won’t be eligible for it and downplay their service. This is far from the truth, if you have served honorably, your chances of being eligible are high. Mark urges every vet to see if they can benefit, “Go check, go talk to a veteran service officer”.

What should Veterans be aware of about their VA loan?

“For me, I think it comes down to really who you are working with, the most important thing is to work with somebody who specializes in the loan.”

For veterans looking to get the most for a VA loan, there are a few key things that every veteran should know. First and foremost, it is vital to do research and partner with someone who specializes in the loan. Also, the certificate of eligibility is the golden ticket in the VA loan world. “If your loan officer hasn’t done that immediately, then you’re probably with the wrong person.”

HUMAN SPOTLIGHT

My father was a World War II veteran... That is what drives my passion for specializing in VA loans.

What is Your Involvement with Genesis Joy House?

“I was on my way to be on a panel at a VA loan conference when I happened to meet the founder of Genesis Joy House in the airport.”

Genesis Joy House is a non-profit organization committed to helping female veterans get on their feet and prepare to transition back to civilian life. They provide transitional housing, counseling, career training, and educational resources.

Clark is now on Genesis Joy House’s board of directors and is also on the veteran action committee, continuing his mission to serve, support, and spread awareness for servicemembers in the mortgage process and beyond.

There are several misconceptions about the VA loan, who can qualify, and how difficult it can be to use it. For those who have served honorably, a path to homeownership could be one conversation away. Talk with a trusted mortgage professional about what options are available to you.

They’ve earned it through their service.

SPECIAL SECTION

Special Ingredient

Would you ever think cottage cheese?

www.acouplecooks.com

RECIPES

COTTAGE CHEESE TOAST

INGREDIENTS:

Slices of bread

1/2 c. cottage cheese per toast

SALMON TOAST:

Smoked salmon

Capers

Red onion

Fresh dill

TOMATO TOAST:

Ripe tomatoes

Garlic salt

Chives or green onion

Olive oil

CUCUMBER TOAST:

English cucumber Radishes (or pickled radishes)

Garlic salt

Sesame seeds

Other ideas: Avocado, canned tuna, prosciutto, hard boiled eggs, fresh herbs, pickled vegetables, etc.

DIRECTIONS:

Toast the bread.

Salmon toast: Spread cottage cheese on the toast and sprinkle with a small pinch salt. Top with the smoked salmon, drained capers, sliced red onion and fresh dill sprigs. Add 1 grind fresh black pepper.

Tomato toast: Spread cottage cheese on the toast and sprinkle with 1 shake garlic salt. Top the toast with the sliced tomatoes, chopped chives or green onion, drizzle of olive oil, a small pinch salt and fresh ground pepper.

Cucumber toast: Spread cottage cheese on the toast and sprinkle with 1 shake garlic salt. Top the toast with sliced English cucumber and radishes, drizzle of olive oil, sesame seeds, a small pinch salt and fresh ground pepper.

INGREDIENTS:

4 eggs

1 1/2 c. small curd cottage cheese

3 tbsp. pure maple syrup, plus more for serving

1 tsp. vanilla extract

3/4 c. all-purpose flour

1/2 tbsp. baking powder

1/4 tsp. kosher salt

COTTAGE CHEESE PANCAKES

Serves 2 Method Stove Top Minutes 20

DIRECTIONS:

In a medium bowl, whisk the eggs, cottage cheese, maple syrup and vanilla (if you see very large clumps of cottage cheese, try to break them up or smash them with a fork).

In another bowl, whisk the flour, baking powder and salt. Add it to the bowl with the wet ingredients and mix until a smooth batter forms.

Heat a non-stick skillet or griddle over medium heat, then add a bit of butter to coat. Scoop out ¼ cup portions of batter and cook the pancakes until golden brown on one side, adjusting the heat so it doesn’t brown too fast. Flip and cook until cooked through and no longer gooey at the edges (the batter will ooze out a bit at the sides; just keep cooking until it is fully cooked, adjusting the heat as necessary so it doesn’t brown too fast). Place the pancakes in a stack under an overturned bowl, and cook the second batch of pancakes.

Serve immediately, topped with pure maple syrup.

COTTAGE CHEESE BREAKFAST BOWLS

INGREDIENTS:

3/4 c. cottage cheese

1/2 to 3/4 c. fresh berries or chopped apple

2 tbsp. chopped pistachios or pecans

1 pinch cinnamon

1 tsp. honey

Serves 1 Method None Minutes 2

DIRECTIONS:

Place the cottage cheese in a bowl. Top with the berries, nuts, cinnamon, and honey. Eat immediately.

www.acouplecooks.com

RECIPES

COPYCAT STARBUCKS SPINACH & MUSHROOM EGG BITES

INGREDIENTS:

1 tbsp. extra-virgin olive oil

1 1/2 c. sliced cremini mushrooms

3 c. packed baby spinach

1/2 tsp. kosher salt, divided

8 large eggs

3/4 c. nonfat cottage cheese

1/2 tsp. cracked black pepper

1/4 c. shredded Swiss cheese

DIRECTIONS:

Preheat oven to 350°F. Lightly coat a 12-cup silicone muffin pan with cooking spray; place on top of a large rimmed baking sheet.

Heat oil in a large skillet over medium heat. Add mushrooms; cook, stirring occasionally, until browned, 6 to 8 minutes. Add spinach; cook, stirring often, until wilted, about 1 minute. Stir in 1/4 teaspoon salt. Remove from heat and let cool for 5 minutes.

Transfer the spinach mixture to a food processor; pulse until the vegetables are very finely chopped. Divide the mixture evenly among the prepared muffin cups, about 1 tablespoon each. Wipe the food processor clean.

Add eggs, cottage cheese, pepper and the remaining 1/4 teaspoon salt to the food processor. Process on medium speed until smooth, about 20 seconds. Add Swiss cheese and pulse a few more times to incorporate. Divide the mixture among the muffin cups, a scant 1/4 cup each.

Bring 2 cups water to a boil. Transfer the baking sheet to the oven and carefully pour the boiling water onto the baking sheet around the muffin pan. Bake until the eggs are set, about 25 minutes. Let cool for 5 minutes before removing from the pan.

PHOTO: JAMIE VESPA | www.eatingwell.com

www.acouplecooks.com

RECIPES

SAVORY COTTAGE CHEESE MUFFINS

Serves 9

INGREDIENTS:

1 c. cottage cheese preferably full fat

4 large eggs

1/4 c. chickpea flour

1 1/2 c. almond flour

1 tsp. baking powder

1/4 c. milk

3/4 c. grated cheddar cheese divided

1 c. finely chopped broccoli florets from lightly steamed broccoli

Method Oven Minutes 40

DIRECTIONS:

Heat your oven to 400°F. Line 9 muffin tins with parchment muffin liners, or squares of parchment paper.

If you don't already have steamed broccoli on hand, start by lightly steaming some broccoli florets and stems. Rinse in cold water, squeeze out the moisture with a clean kitchen towel, and finely chop the broccoli. You should have 1 cup of chopped broccoli for this recipe.

In a large bowl, whisk together 1 cup cottage cheese, 4 eggs, and ¼ cup milk.

Add ¼ cup chickpea flour, 1 ½ cups almond meal, and 1 teaspoon baking power and mix well. Now add ½ cup of grated cheddar cheese, and 1 cup finely chopped steamed broccoli florets.

Spoon into 9 prepared muffin cups. Sprinkle the tops the muffins with remaining ¼ cup of cheese.

Set in the oven and bake for 25 - 30 minutes, until the tops are golden and puffy. Remove from the oven and cool on a wire rack.

INGREDIENTS:

Ingredients

1 c. milk

1 c. frozen strawberries

1/2 c. cottage cheese

1 tbsp. honey

1/4 tsp. vanilla extract

DIRECTIONS:

COTTAGE CHEESE DIP

INGREDIENTS:

2 c. cottage cheese

1/2 tsp. onion powder

1 tsp. garlic powder

2 tsp. dried dill

1/4 tsp. kosher salt

Fresh ground black pepper, optional

Serves 1 Method Blender Minutes 5

DIRECTIONS:

Blend all ingredients in a food processor* until smooth, about 1 minute, scraping down the bowl once. Taste and add additional salt if desired.

www.acouplecooks.com

www.twopeasandtheirpod.com

RECIPES

WHIPPED COTTAGE CHEESE

Serves 6

INGREDIENTS:

2 c. (16 oz) cottage cheese (for best results use whole milk or 2%, not fat-free)

DIRECTIONS:

Minutes 5

Place the cottage cheese in a food processor and blend for about 30 seconds. Stop and scrape down the sides of the bowl with a spatula. Blend again until completely smooth.

Spread on toast with jam or a drizzle of honey or spread on crostini. You can also put the whipped cottage cheese in a bowl and top with fresh fruit or a simple cucumber tomato salad. It makes a great dip, serve with cut up veggies, pita, or crackers. You can also season the cottage cheese with lemon zest or fresh herbs.

Method Blender

www.kimscravings.com

RECIPES

COTTAGE CHEESE TUNA SALAD

Serves 9

INGREDIENTS:

2 (5 oz.) cans albacore wild tuna packed in water, drained

1 c. low-fat cottage cheese

2/3 c. corn, drained

2/3 c. finely diced red bell pepper

1 c. quartered cherry or grape tomatoes

1/2 large avocado, pitted and diced

1 (4 oz.) can sliced black olives, drained

2 tsp. spicy brown mustard or Dijon mustard

1 tsp. Creole or Cajun seasoning

Salt and pepper as needed to taste

Method None

DIRECTIONS:

Minutes 15

Drain tuna and chop other ingredients. Combine all of the above ingredients together in a medium to large bowl. Serve in a wrap, lettuce wrap, on bread or with tortilla chips.

INGREDIENTS:

3 c. English cucumber peeled, cubed (about 2 large cucumber)

2 large tomatoes cubed

2 hard-boiled eggs cooled, peeled, and chopped

1/4 c. red onion finely chopped

1/2 c. celery stalks chopped

1/3 c. dill pickle finely cubed

COTTAGE CHEESE SALAD DRESSING:

1 tbsp. apple cider vinegar

1 c. cottage cheese

1/4 c. mayonnaise

1 tbsp. yellow mustard

1/4 c. fresh parsley or cilantro, finely chopped

1/4 tsp. garlic powder

1/4 tsp. paprika

1/4 tsp. salt

Serves

Cut the cucumber, tomatoes, and boiled eggs into 1-inch cubes. Set aside in a large bowl.

Finely chop the red onion, celery, and gherkins. Add to the same bowl.

In another bowl, combine all the salad dressing ingredients: apple cider vinegar, cottage cheese, mayonnaise, yellow mustard, salt, paprika, and garlic powder.

To assemble the salad, place the salad dressing onto the bowl with the vegetables and top with fresh chopped parsley. Stir to combine evenly.

Refrigerate the salad one hour before serving to enjoy its best flavors.

36

RECIPES

https://40aprons.com

COTTAGE CHEESE ALFREDO

Serves

INGREDIENTS:

1/2 c. cottage cheese use low-fat

1 tbsp. cornstarch

1/4 tsp. salt

1/8 tsp. pepper

1/4 tsp. garlic powder or more to taste

1/2 c. grated Parmesan cheese or Romano cheese

Dried basil to taste

Dried oregano to taste

Fresh chopped parsley for garnish, optional

Cooked pasta of choice

Method

Put all the ingredients, except basil, into a food processor or blender and blend until smooth.

Pour the mixture in a small saucepan and add basil and oregano. Cook over medium-low heat until heated through and smooth. Add more basil, oregano, salt, or pepper (or other seasonings), to taste.

SPICY COTTAGE CHEESE PASTA

INGREDIENTS:

Kosher salt

1 lb. penne

1 1/2 c. store-bought or homemade marinara

1 c. low-fat cottage cheese

1/4 c. finely grated Parmesan, plus more for serving

1 tbsp. Calabrian chile oil

Serves 4 Method Stove Top Minutes 30

DIRECTIONS:

In a large pot of boiling salted water, cook pasta, stirring occasionally, until al dente according to package directions. Drain; reserve 1/2 cup pasta water.

Meanwhile, in a blender, blend marinara, cottage cheese, Parmesan, and oil until smooth.

Return pasta to pot and add sauce and 1/4 cup reserved pasta water. Toss, adding more pasta water as needed, until pasta is coated and sauce is warmed through.

Divide pasta among bowls. Top with Parmesan.

PHOTO: ROCKY LUTEN; FOOD STYLING: SPENCER RICHARDS | www.delish.com

TACO BAKE

INGREDIENTS:

2 lbs. ground beef

Taco seasoning

2 c. salsa

4 c. cottage cheese

4 c. Mexican blend cheese, shredded

32 corn tortillas

Shredded lettuce

Tomato

Serves 6 Method Oven Minutes 30

DIRECTIONS:

Preheat oven to 350 degrees.

Lightly grease a 9x13-inch baking dish with non-stick cooking spray.

In a large saucepan, brown the ground beef with the taco seasoning Drain and return to the saucepan.

Stir in the salsa. In a mixing bowl, combine the cottage cheese and shredded cheese.

Add a single layer of corn tortillas to the bottom of the dish, covering it as best you can.

You might need to tear a tortilla in half to fill in some sections. Add half of the ground beef mixture, then half of the cottage cheese shredded cheese mixture, then repeat to make a second layer.

Bake for 25 to 30 minutes.

https://crystalandcomp.com

COTTAGE CHEESE CHICKEN ENCHILADAS

INGREDIENTS:

1 tbsp. vegetable oil

2 skinless, boneless chicken breast halves - boiled and shredded

1/2 c. chopped onion

1 (7 ounce) can chopped green chile peppers

1 (1 ounce) package taco seasoning mix

1/2 c. sour cream

2 c. cottage cheese

1 tsp. salt

1 pinch ground black pepper

12 (6 inch) corn tortillas

2 c. shredded monterey jack cheese

1 (10 ounce) can red enchilada sauce

DIRECTIONS:

Meat Mixture:

Heat oil in medium skillet over medium high heat. Add chicken, onion and green chile peppers and saute until browned, then add taco seasoning and prepare meat mixture according to package directions.

Make Cheese Mixture:

In a medium bowl mix sour cream with cottage cheese and season with salt and pepper; stir until well blended.

Preheat oven to 350 degrees F (175 degrees C).

Assemble Enchiladas:

Heat tortillas until soft. In each tortilla place a spoonful of meat mixture, a spoonful of cheese mixture and a bit of shredded cheese. Roll tortillas and place in a lightly greased 9x13 inch baking dish. Top with any remaining meat and cheese mixture, enchilada sauce and remaining shredded cheese.

Bake at 350 degrees F (175 degrees C) for 30 minutes or until cheese is melted and bubbly.

www.eatingbirdfood.com

RECIPES

COTTAGE CHEESE ICE CREAM

Serves 3

INGREDIENTS:

2 c. (16 oz) full fat cottage cheese

1/4 c. honey

2 tbsp. peanut butter

2 tbsp. chocolate chips

Method Blender

DIRECTIONS:

Hours 4

Add cottage cheese, honey and peanut butter to a food processor or high powered blender and pulse/process until smooth and creamy.

INGREDIENTS:

FOR THE MUFFINS:

2 c. all-purpose flour

2/3 c. granulated sugar

1 tbsp. cinnamon

1 tbsp. baking powder

1/4 tsp. kosher salt

1 egg

1/4 c. neutral oil (grapeseed or organic vegetable oil)

2/3 c. cottage cheese (small curd if possible)

1 c. milk

STREUSEL TOPPING:

1/4 c. granulated sugar

2 tbsp. flour

1/2 tbsp. cinnamon

1 tbsp. salted butter, melted

DIRECTIONS:

Preheat the oven to 350 degrees Fahrenheit. Spray a standard 12-cup muffin tin with cooking spray or add muffin cup papers.

In a large bowl, whisk the all-purpose flour, sugar, cinnamon, baking powder, and salt. In a separate medium bowl, whisk the egg, then whisk in the vegetable oil, cottage cheese and milk. Stir the wet ingredients into the dry ingredients until a thick dough forms. Scoop the batter evenly into the muffin cups (the cups will be nearly full).

Make the streusel topping: Melt the salted butter. Stir in the sugar, flour and cinnamon for the topping until it is well mixed and forms a crumbly sugar mixture. Sprinkle it evenly between the muffins.

Bake the muffins for 20 minutes, until puffed and golden and a toothpick comes out clean. Cool for 5 minutes, then transfer to a rack to cool fully, about 20 minutes.

INGREDIENTS:

1 1/2 c. almond flour

2 tbsp. avocado oil

6 tbsp. pure maple syrup, divided

1 (24 ounce) container 2 percent cottage cheese, drained

1 (5.3 ounce) container whole milk

Greek yogurt

3 large eggs

3 tbsp. cornstarch

1 c. frozen blueberries

2 tsp. pure vanilla extract

BLUEBERRY COTTAGE CHEESE CHEESECAKE

Serves 12

Method Oven Minutes 50

DIRECTIONS:

Preheat oven to 375 degrees F. In a small mixing bowl, combine the almond flour, avocado oil, and 2 tablespoons maple syrup. Mix together until evenly combined.

Gently press the mixture into the bottom and up the sides of a springform pan, wetting your fingertips as you go to prevent sticking.

Bake the crust in the preheated oven until fragrant, about 5 to 7 minutes.

Meanwhile, in a blender or food processor, combine the cottage cheese, yogurt, eggs, cornstarch, blueberries, vanilla extract, and remaining ¼ cup maple syrup. Blend until smooth, about 1 minute.

Lower the oven to 325 degrees F. Pour the cheesecake mixture into the still hot crust and bake in the preheated oven until the cheesecake is set, about 35 to 45 minutes.

Allow to cool completely before slicing into 12 even slices.

https://healthyhelperkaila.com

RECIPES

FUDGY COTTAGE CHEESE BROWNIES

INGREDIENTS:

3/4 c. cottage cheese

2 eggs or 3 egg whites

1 tsp. vanilla extract

1/4 c. sugar-free chocolate chips

melted and cooled slightly

1/2 c. unsweetened cocoa powder

1/2 c. granulated monk fruit

erythritol blend

3/4 c. gluten free oat flour

1 tsp. baking powder

Optional mixins: 1 tsp instant coffee, 1/4 cup of walnuts

DIRECTIONS:

Preheat oven to 350 degrees F and line an 8×8 baking dish with parchment paper. In a food processor or high-speed blender (I use ninja kitchen or vitamix), combine eggs, cottage cheese, and vanilla until smooth. Pour in melted chocolate and puree again until combined.

Whisk together flour, baking powder, sweetener, and cocoa in a medium mixing bowl. Pour cottage cheese mixture into dry ingredients and stir until just combined.

Pour batter into the prepared baking dish and bake for 20-25 minutes (or until a knife comes out cleanly from the center of the pan. Let the pan cool completely on a wire rack before slicing into 9 brownies.

Cold and Flu Season is almost upon us. With cold temperatures, illness and viruses are more common during these cold winter months. We’ve got you covered by compiling our best tips and tricks to ensure you stay healthy this season.

1. Get Your Flu Shot

WELLNESS 9 Tips

Flu shots create herd immunity, protecting those in the community who are unable to get vaccinated. The flu virus mutates every year, so it's important to get your shot before the season starts!

2. Stay Home When You Feel Sick

Most people don't want to let a little sniffle hold them back from getting their work done or from enjoying everything the fall season has to offer. However, if you are still going into public when you're under the weather, you could be unconsciously spreading your sickness to those around you. If you're not feeling your best, stay home and away from others, especially those with compromised immune

FIGHT OFF COLD & FLU SEASON WITH THESE

systems until at least 24 hours after a fever breaks. Visit your doctor if you have questions or concerns about your health.

3. Wash Your Hands

Washing your hands is the #1 way to prevent the spread of disease and bacteria. Wash your hands with soap and warm water, and pay special attention to under your fingernails and between your fingers as those are the areas most often missed.

4. Clean and Disinfect Regularly

This is especially important during cold and flu season. You are spreading outside bacteria everywhere you touch. Be sure to clean and disinfect your living space, your car, your cell phone, anything you are regularly interacting with that could be carrying bad germs.

5. Get a Full Night's Sleep

It can be difficult to fit in a full nights rest, but your body needs good-quality sleep to replenish your defenses. Be sure you are getting plenty of quality rest proportional to your energy expenditure.

6. Eat Well and Exercise

Just as with sleep, your diet and exercise habits fuel your body's defenses. Speak with your doctor about setting up a healthy diet and exercise regiment for your fitness level. Don't be afraid to start small!

7. Soak Up Your Sunshine

A healthy dose of sunshine can provide your body with the Vitamin D it needs to absorb and retain phosphorus and calcium, protecting your body from infection. So, be sure to get outside and soak in those rays. (Just don't forget the sunscreen!)

8. Drink Plenty of Fluids

When you're feeling sick, your body can lose its retained fluid. Be sure to drink plenty of water to replenish your reserves and loosen any built-up mucus. Yuck!

9. Take Steps to Manage Stress

Studies have shown that your mental health and stress levels can have real physical effects on your health. Taking steps to manage those stresses are a big step in preventing a drop in your immune system.

Fall Fitness

CHALLENGE

WELLNESS

The fall is a great time to spend with family, see the seasons change, and enjoy great food, but don’t let this season get in the way of your health and wellness! We here at Home by Geneva want to look out for you and your well-being year-round. We have gathered some of the best things to do this fall to make sure you don’t slip on your path to being your best self!

Go For a Walk:

Take in the beauty of this season by going on a walk! The changing leaves and the cool weather make the fall season the perfect time to be outside and stay active! Consider driving to a new spot in town to start your walk for a change of scenery.

Drink 8 Cups of Water Each Day:

Drinking enough water every day is an essential part of your health and wellness. Your body needs water to function, so why not give it the tools it needs to perform at its best? This fall, stay on top of your water intake by drinking at least 8 cups of water every day.

Stay on Top of Yardwork:

Staying on top of your yardwork is part of the fall fitness challenge because it can be a workout if you make it! If you are running low on free time and can’t commit to going to the gym, that is perfectly fine! Instead of going to the gym, focus on being active by raking the fall leaves, or mowing your lawn to get physical activity. The most important thing is that you are staying active.

Try to Eat Healthier:

The fall season calls for seasonal food items and is a general time when people eat more compared to other seasons due to multiple factors. This fall, make a conscious decision to look out for better options! You can still indulge in your favorite fall food but consider pairing your favorite dishes with healthy side choices for a well-balanced meal!

Spend Some Time Alone:

Fall is the season for family and getting together with the people you enjoy the most, but you should still make time to be alone and understand yourself. A vital part of your wellness is learning about and caring for yourself, and there is always time to prioritize yourself! We recommend meditation and relaxation exercises to make your body and mind the best they can be.

Keep Up with Your Hygiene:

Autumn marks the beginning of the cold season, so it is vital to stay on top of your hygiene by washing regularly to stay at your best! The fall is one of the best seasons of the year, and you don’t want to miss out on all the fun due to a pesky cold!

There is our list of essential tips for you this fall to keep up with your health and wellness! Fall is such a special time of year, so be sure to have fun and enjoy wonderful memories with the people you love the most, even if that means diverting from our Fall Fitness Challenge.

WORKPLACE WELLNESS

Work is somewhere that you spend an extended amount of time at, every day of the week. If you are looking out for your health when you aren’t at work, you should also take that mindset when you are on the clock as well. Just because you are at work doesn’t mean that you should neglect your mental and physical health. To promote healthy tips for the office, we have put together a list of essential tips to promote a healthy work-life balance, even when you are at work!

WELLNESS

Eat Away from Your Desk:

Eating away from your workstation is crucial because it allows for a healthy break away from your tasks and allows you to step out of your work mode even for a little while. When you eat at your desk, your mind is still in work mode even if you are only focused on eating. Fully unplug from work, even for a little bit to maintain a balance in your day.

Work at Different Areas of the Office:

Changing your seating position and location can be beneficial to your health. Your body does not like to be in the same place for an extended period, it is not good for your health and can promote negative effects in the long term. To combat this, consider moving around your office, working in different areas and different orientations (sitting, standing, laying).

Take Active Breaks:

If you are feeling restless or ready to move, get up and take a quick exercise break! Take a walk, stretch, walk up and down the stairs, or do jumping jacks to promote blood flow and stay active! Something as little as walking around the office can add up and have a positive impact on your body.

Practice Breathing Exercises:

Breathing exercises can be very helpful to give your body the oxygen that it needs to perform at the highest level and reduce stress. They are easy to perform, and you can do it at any time of the day while multitasking at work! To enhance the exercises, you can even play meditation music or or a guided breathing exercise to learn effective treatments for you specifically.

Bring Your Own Lunch:

Lunch is a very important part of any working person’s day; it is the only time to refuel and replenish yourself for the rest of the workday. Make the most of your lunchtime by bringing a balanced meal that you know will give you the energy to finish out the day. Having the energy boost after lunch will help you with productivity and reduce the stress of hitting deadlines, it will basically give you more time each day!

Reduce Eye Strain:

Your vision is one of, if not the most important things you should look out for and preserve. While working, it can be easy to neglect your eyes, and as a result, create strain and problems down the road. Some effective ways that you can help your eyes stay healthy are taking breaks from your monitors to let your eyes rest, adjusting your monitor settings to levels that aren’t too bright, and blinking more frequently to avoid dryness and itchiness. These tips will help you stay healthy while also being productive. Go back to work with these tips in mind. Once you realize how simple it is to make a positive impact on your health, you will be implementing these tips in no time!

HOW TO

LIVE THE HYGGE LIFESTYLE

This Fall

Hygge – maybe you have heard of it before or maybe not, is a core tenet of Danish lifestyle with practices we can incorporate into our own lives. But what is it? Hygge, pronounced “hoo-gah”, is difficult to translate directly, but essentially encapsulates the feeling of coziness and rest.

Those who practice Hygge do so to enjoy the simple pleasures of daily life, from a warm cup of coffee to a night in with friends. Though Hygge can be a year-round activity, fall is a great time to start incorporating new habits of rest and contentment.

WELLNESS

But What is Hygge?

Hygge is a verb and can be used to describe any number of things. Spending time with friends and family? Hygge-like. Burning candles and baking a special treat? Hygge-like. A good book on a rainy day? Definitely hygge-like.

You can’t buy Hygge, despite what thousands of posts on social media might say. Hygge is the idea of enjoying what you have when you have it, of living in the moment and finding rest in it. So, while fall is a great time to dive into the Hygge lifestyle, you don’t have to stop when the new year rolls around. Rest and contentment are important 365 days a year.

What Hygge Isn’t

Hygge can be hard to define, but it’s easy to know what it isn’t. Anything that steals your contentment, that causes stress or discomfort is not Hygge. Spending too much time on your phone, on the Internet, or hermitting yourself away from the people you care about. Not Hygge. It’s spending time on people or activities that drain you unnecessarily and stretching yourself too thin with obligations.

You don’t have to spend ANY money to Hygge. It’s free. Just turn off your phone, kick your feet up in front of the fire, and enjoy quality time with the people you love. Share some food or a nice warm drink, talk, breathe, and forget about time. And that’s Hygge.

SPORTING AND TAILGATING SNACK IDEAS

The fall season means that sports are in full swing! Whether you are at home watching with friends or outside the stadium, having the right game-day snacks are essential to any sport outing! The key to the perfect snack for watching at home or tailgating outside the stadium is the dish being easy to share, easy to make, and of course delicious!

Looking for the perfect assortment of snacks and treats for your game day? Look at our list of snacks that are commonplace for any viewing party or tailgate.

SLIDERS:

Whether you are in the comfort of your own home or at the stadium, grilling sliders are sure to take any get-together to the next level! Sliders are the perfect dish for sporting events because they are so versatile, there are endless combinations you can make with meats, seasonings, and toppings! A few special ones to note are buffalo chicken sliders, pulled pork sliders, and the classic cheeseburger sliders!

NACHOS:

Nachos are a staple of sports watch parties for 3 simple reasons, they are easy to make, they are easy to share, and they taste so good! Empty a bag of tortilla chips onto a baking sheet, cover them with cheese and cooked meat (beef, chicken, carne asada), and bake until the cheese is melted. Once done, get creative with whatever toppings you desire. For starters, try pico de gallo, guacamole, green onion, and jalapenos!

HOT DOGS/BRATS:

Hot dogs and brats are a classic stadium dish. They are perfect for sporting events because they are easy to make and easy to carry! For your get-together, all you need to do is throw hot dogs or brats on your grill at home or portable grill at the stadium and bring the proper buns and condiments for your group! Like many others in this list, these are very customizable so feel free to experiment with the toppings and condiments!

VEGGIE PLATTER:

It is vital to balance in your diet, and sporting events are no exception! We recommend having a veggie platter on hand, a dish now synonymous with parties and gatherings! The variety of broccoli, celery, carrots, cauliflower, and cucumber is great for your guests, and the ranch dip enhances the flavor of these vegetables. They are the perfect snack for any occasion.

CHARCUTERIE BOARD:

Finally, the charcuterie board is one of the best snacks to have around for not only sporting events but for any gathering. A charcuterie board can be as simple as cheese, meat, and crackers, or it can be done with elegant craftsmanship with the finest ingredients. There are endless possibilities with a charcuterie board. There is no right way to make one, so get creative! Make your dish stand out from the rest by putting some thought and a personal touch to it.

There is our list of essential food for any sporting event, no matter if you are at the stadium or in your home! Get in the spirit this fall by trying one or more of these foods. The people you watch the games with will be sure to let you know that it enhances their game day experience.

Creative

LUNCHBOX FOOD IDEAS

Packing a lunchbox for your child has many advantages. It is very cost-effective, it is personal, and it can help promote a healthy diet. However, after a while, having the same lunch every day with the same presentation can get repetitive and boring.

Step your lunchbox packing game up to the next level with these creative tips that bring a fun and unique twist to this timeless classic. You have the unique opportunity to elevate your childs’ lunch experience, by implementing these simple and fun tips, you can make their day better and make them feel appreciated!

Sandwiches:

Sandwiches are one of, if not the most well-known lunchbox staples for childs' lunches. They provide great balance of protein, dairy, and carbs, they are delicious, and they are easy to pack and go. To spice things up with your childs’ sandwiches, consider grilling the sandwich to add another layer of taste, or use a cookie cutout pattern to make cool designs for cute sandwich art! Perhaps something as simple as their favorite TV character as the shape of their sandwich can make their day better.

Fruit:

Fruit is an important piece for a childs’ lunch, getting a balanced meal is essential while growing up. Pack your childs’ lunchbox with fresh fruit, the most common being strawberries, bananas, grapes, apples, and oranges. To make things fun and easier to pack, cut the fruit into bite-sized pieces and give your child a mini plastic skewer so they can poke the fruits and eat them in a different way. Take note of things they like, there are many options of skewers that can cater to your childs’ interests.

Vegetables:

Vegetables are a vital part of any child’s development, so it is important incorporate them into their diet. If your child isn’t eating their vegetables, maybe it is time to innovate cool ways to get them the nutrition they need! If you want a fun way to present your veggies, a vegetable kebab with a pretzel stick will work! If they are looking for enhanced flavor, consider providing a side cup of hummus for dipping. Lastly, a hollowed-out bell pepper with cream cheese filling can provide a crispy snap with a delicious taste! The main way to get your child to eat vegetables would be appearance, so do your best to make them look appetizing or fun!

Pack a Thermos:

Is your child tired of the same food for lunch every day? If so, adding a warm food item could be the answer! Adding a hot dish to your childs’ lunch can completely transform the meal. A few options we recommend are macaroni and cheese, soup, hot cheese, or melted chocolate for dessert. There are so many ways you can make lunchtime better with this one simple addition!

Write a Personal Message:

The best part of a packed lunch is that it is hand curated by someone they love! Being someone who packs a lunch for their child is the perfect time to let them know how you feel about them, so feel free to get creative by writing them a personal message in their lunchbox! This can be as simple as a piece of paper telling them you love them, writing a joke, giving them a motivating message, or even a game like a crossword puzzle. If you want to take it to the next level, consider using food to convey your message. To be different, you can write a joke in mayonnaise on their sandwich with the top piece of bread on the side, write something on their string cheese wrapper, put a sticky note on their juice box, or arrange their fruit into a fun message. There are many ways to relay a personal message, so when crafting their lunchbox, brainstorm fun ways to make them feel appreciated.

The possibilities are endless! This list is just a few ways to personalize your childs’ lunch experience and make lunchtime fun! Be sure to have fun with it, remember what your childs’ interests are, and think outside of the box!

REMOTE WORK EXPANDS YOUR HOMEBUYING HORIZONS HOW

MORTGAGE

IDEAL WORK ENVIRONMENT

Even as some companies transition back into the office, remote work remains a popular choice for many professionals. So, if you currently enjoy working from home or hope to be able to soon, you’re not alone. According to a recent survey, most working professionals want to work either fully remote or hybrid. (See chart to the left)

remote work allows you to broaden your search radius to include additional areas, you may actually have less trouble finding a home with the features you want the most because you’ll have a bigger pool of options to pick from.

Working remotely gives you the flexibility to find an affordable home with the features you want. In other words, you have a better chance of getting what you need without blowing your budget.

This trend is good news if you’re looking to buy a home because a remote or hybrid work setup can help you overcome some of today’s affordability and housing inventory challenges.

More Work Flexibility Equals More Home Options

Remote or hybrid work opens up a world of opportunities. That’s because it allows you to broaden your search for your next home since you’re no longer limited to living close to your workplace. With the freedom to work from anywhere, you can explore more affordable areas that may be located farther away from bustling city centers or your office. This flexibility can be a game changer while higher mortgage rates are making it difficult for some homebuyers to afford a home.

An article from the New York Times (NYT) highlights how remote work can greatly assist you in overcoming that challenge:

“. . . take advantage of the opportunity remote work has presented to move to more affordable communities (either farther out in the suburbs, or in another part of the country).”

And, since the supply of homes for sale is still so low, another key challenge for you today may be finding something with all of the features you want and need. Because

Bottom Line

Working remotely not only gives you more flexibility in your job but also presents a great chance to broaden your search for a home. Since you’re not limited to a specific location, you have the opportunity to explore more options. Connect with a local Mortgage Loan Officer to discuss how this can expand your choices and help you find the perfect home.

Tips for On a Home

2. Get Pre-Approved for a Home Loan

Having a clear budget in mind is especially important right now given the current affordability challenges. The best way to get a clear picture of what you can borrow is to work with a lender so you can get pre-approved for a home loan.

That’ll help you be more financially confident because you’ll have a better understanding of your numbers. It shows sellers you’re serious, too. This can give you a competitive edge if you do get into a multiple-offer scenario.

3. Make a Fair Offer

It’s only natural to want the best deal you can get on a home. However, submitting an offer that’s too low does have some risks. You don’t want to make an offer that will be tossed out as soon as it’s received just to see if it sticks. As Realtor.com explains:

While the wild ride that was the ‘unicorn’ years of housing is behind us, today’s market is still competitive in many areas because the supply of homes for sale is still low. If you’re looking to buy a home this season, know that the peak frenzy of bidding wars is in the rearview mirror, but you may still come up against some multiple-offer scenarios.

Here are a few things to consider to help you put your best foot forward when making an offer on a home.

“. . . an offer price that’s significantly lower than the listing price, is often rejected by sellers who feel insulted . . . Most listing agents try to get their sellers to at least enter negotiations with buyers, to counteroffer with a number a little closer to the list price. However, if a seller is offended by a buyer or isn’t taking the buyer seriously, there’s not much you, or the real estate agent, can do.”

The expertise your agent brings to this part of the process will help you stay competitive and find a price that’s fair to you and the seller.

4. Trust Your Agent’s Expertise Throughout Negotiations

During the ‘unicorn’ years of housing, some buyers skipped home inspections or didn’t ask for concessions from the seller in order to submit the winning bid on a home. An article from Bankrate explains this isn’t happening as often today, and that’s good news:

Rely on an agent who can support your goals and help you understand what’s happening in today’s housing market. Agents are experts in the local market and national trends too. They’ll use both of those areas of expertise to make sure you have all the information you need to move with confidence.

Plus, they know what’s worked for other buyers in your area and what sellers may be looking for in an offer. It may seem simple, but catering to what a seller needs can help your offer stand out. As an article from Forbes says:

“Getting to know a local realtor where you’re hoping to buy can also potentially give you a crucial edge in a tight housing market.”

“While the market has largely calmed down since then, sellers are still very much in the driver’s seat in this era of scarce housing inventory. It’s not as common for buyers to waive inspections anymore, but it does still happen. . . . It’s in the buyer’s best interest to have a home inspected . . . Inspections alert you to existing or potential problems with the home, giving you not just an early heads up but also a useful negotiating tactic.”

Fortunately today's market is different, you may have more negotiating power than before. When putting together an offer, your trusted real estate advisor will help you think through what levers to pull and which ones you may not want to compromise on.

1. Lean on a Real Estate Professional

Bottom Line

When you buy a home this summer, Connect with a local Mortgage Loan Officer so you have an expert on your side who can help you make your best offer.

TWO QUESTIONS TO ASK YOURSELF

IF YOU’RE CONSIDERING BUYING A HOME

If you’re thinking of buying a home, chances are you’re paying attention to just about everything you hear about the housing market. And you’re getting your information from a variety of channels: the news, social media, your real estate agent, conversations with friends and loved ones, overhearing someone chatting at the local supermarket, the list goes on and on. Most likely, home prices and mortgage rates are coming up a lot.

To help cut through the noise and give you the information you need most, take a look at what the data says. Here are the top two questions you need to ask yourself about home prices and mortgage rates as you make your decision:

1. WHERE DO I THINK HOME PRICES ARE HEADING?

One reliable place you can turn to for that information is the Home Price Expectation Survey from Pulsenomics – a survey of a national panel of over one hundred economists, real estate experts, and investment and market strategists.

According to the latest release, the experts surveyed are projecting slight depreciation this year (see the red in the graph below). But here’s the context you need most. The worst home price declines are already behind us, and prices are actually appreciating again in many markets. Not to mention, the small 0.37% depreciation HPES is showing for 2023 is far from the crash some people originally said would happen.

Now, let’s look to the future. The green in the graph below shows prices have turned a corner and are expected to appreciate in 2024 and beyond. After this year, the HPES is forecasting home price appreciation returning to more normal levels for the next several years.

So, why does this matter to you? It means your home will likely grow in value and you should gain home equity in the years ahead, but only if you buy now. If you wait, based on these forecasts, the home will only cost you more later on.

ESTIMATED HOME PRICE PERFORMANCE

December to December, as forecasted in Q2 2023

Source: HPES

MORTGAGE

2. WHERE DO I THINK MORTGAGE RATES ARE HEADING?

Over the past year, mortgage rates have risen in response to economic uncertainty, inflation, and more. We know based on the latest reports that inflation, while still high, has moderated from its peak. This is an encouraging sign for the market and for mortgage rates. Here’s why.

When inflation cools, mortgage rates generally fall in response. This may be why some experts are saying mortgage rates will pull back slightly over the next few quarters and settle somewhere around roughly 5.5 and 6% on average.

But, not even the experts can say with absolute certainty where mortgage rates will be next year or even next month. That’s because there are so many factors that can impact what happens. So, to give you a lens into the various possible outcomes, here’s what you should consider:

If you buy now and mortgage rates don’t change: You made a good move since home prices are projected to grow with time, so at least you beat rising prices.

If you buy now and mortgage rates fall (as projected): You probably still made a good decision because you got the house before home prices appreciated more. And, you can always refinance your home later on if rates are lower.

If you buy now and mortgage rates rise: If this happens, you made a great decision because you bought before both the price of the home and the mortgage rate went up.

Bottom Line

If you’re thinking about buying a home, you need to know the facts on what’s happening with home prices and mortgage rates. While no one can say for certain where they’ll go, expert projections can give you powerful information to keep you informed. Connect with a local Mortgage Loan Officer so you have a professional to add an expert opinion on our local market.

Source: Fannie Mae, Mortgage Bankers Association, and the National Association of realtors

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