Home By Geneva Winter Edition 2024

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by GENEVA 2024

Color of the Year

UPWARD SW 6239

Special Section

Color of the Year

Mortgage News

Spice up your life with these recipes.

A hint of silver lining. What this years color of the year means.

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

A GENEVA FINANCIAL HOME LOANS PUBLICATION

Welcome HOME

by GENEVA

Greetings readers, and welcome to a vibrant journey through the kaleidoscope of hues in our highly anticipated Color of the Year Edition! In the world of design, fashion, and lifestyle, the chosen color is more than just a shade; it's a statement, an expression, and a reflection of the zeitgeist.

This year, as we unveil the Color of the Year, “Upward”, we invite you to explore the dynamic interplay of tones that will undoubtedly leave an indelible mark on the realms of creativity and aesthetics. Our editorial team has meticulously curated a palette of articles, features, and inspirations that showcase the versatility and significance of this chosen hue.

From fashion ensembles that embody the spirit of the Color of the Year to home decor that transforms spaces into lively sanctuaries, we delve into the various facets of this trendsetting shade.

And don’t miss our special section – a tantalizing journey through the world of spices, where vibrant flavors, rich histories, and aromatic landscapes converge to create an exquisite tapestry of culinary delights. In this special section, we invite you to embark on a sensory adventure that transcends borders and time, exploring the diverse and enchanting realm of spices.

So, without further ado, join us on this chromatic and spicy adventure as we paint the and scent the next 62 pages with inspiration.

Until next time,

James Polinori

Geneva Financial CMO Editor Home By Geneva

Geneva Financial 180 S. Arizona Ave Ste 310 Chandler, AZ 85225 www.GenevaFi.com

EDITOR James Polinori ART DIRECTOR Jacque Huerta CONTRIBUTING WRITERS Cierra Dootson Bryce Freshour Chris Green

HUMAN SPOTLIGHT

22

RICHARD TROJANEK

Human Spotlight

LIFESTYLE

MORTGAGE

HOBBIES TO START IN

04 THE NEW YEAR

Check out these hobbies for the new year.

FASHION TRENDS TO WATCH IN 2024

06 Try these trends in 2024

2024 MOVIES/TV SHOWS TO

OUT FOR 08 LOOK New releases for the year.

RECIPES

24

56

FINANCIAL WELLNESS

58

CASH-OUT REFINANCES

60

RENOVATION

SPECIAL INGREDIENT

Spice up your life.

Beyond homeownership

With Caeli Ridge

How refinancing can help your home renovation.

SPRING ACTIVITIES TO LOOK

TO 10 FORWARD Keep these activities in mind for the spring.

COVER STORY COLOR OF THE YEAR

WELLNESS

46 DESIGN/DIY

16

WINTER DECORATIONS YOU CAN KEEP UP AFTER THE HOLIDAYS You don't have to put all the decorations away.

SPRING INTO A FRESH HOME

20 Tips for a seasonal renewal

FITNESS TIPS

Tips for the new year.

NEW YEARS GOALS

How to stay on top of your goals for the new year.

50

STAYING ACTIVE

COZY ESSENTIALS FOR YOUR HOME

19

Cultivating hope and a silver lining in every moment.

48

18 DIY ideas for your home.

PREPARING YOUR HOUSE TO ENTERTAIN GUESTS Tips to get your home ready for guests.

MINDFUL LIVING

Tips on how to stay active when it's cold outside.

FOOD

52

SHARABLE SNACKS

54

DIET TIPS FOR THE NEW YEAR

Entertain your guests with these snacks.

Tips on how you can start a healthy diet.

CONTENTS

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TABLE OF

12 A hint of silver lining.

Hobbies to Start in the New Year LIFESTYLE

With the new year comes new hobbies that will help you reach whatever goals you have.

Some people want to go out more, some want to get in touch with nature, and others would prefer to be more creative and be nicer to their brain. This list should have all of that and more! Hopefully one of these works for you and will make 2024 YOUR year!

Painting

Grabbing a paintbrush and taking up painting is a good way to boost your self-esteem and explore your creative side! Painting also provides strong mental health benefits and is often seen as a form of therapy to rest ones mind. There are many different forms you can try, so the possibilities for what you can make are endless!

Calligraphy

With many mental health benefits, calligraphy is a hobby you might want to try out this year. This is the artform of having beautiful, decorative handwriting. Calligraphy is an art that can stimulate the brain and improve cognitive function. Working on your calligraphy skills helps focus period of your brain and allows for better concentration on longer tasks.

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Learn a NewLanguage

Looking to travel out of the country in the new year? Learning a new language will help you be more prepared for your trip and communication with the locals will be much easier! This helps better your memory, is a good exercise for your brain, and improves your skills with your native tongue. It also looks good on your resume and can open up many different new job prospects for you!

Yoga

Blogging

If you’re looking to strengthen your mind and body in the new year, give yoga a shot! If traditional workout routines aren’t for you, yoga is the perfect alternative! One 20 minute yoga session can burn up to 120 calories as well as reduce your anxiety, adjust your posture, improve your flexibility, is a great way to build muscle strength, and helps lower blood pressure. Also, yoga pants are very comfortable to wear.

Blogging is writing short form articles for the web that lets you share your ideas, thoughts, and experiences with others. You can talk about whatever you want so you won’t have to feel pressured into writing about only one thing. If you have a topic you’re passionate about, share it with the world! Tell that funny story from your trip to the Caribbean! Let people know about your favorite restaurants downtown!

Photography

This is also a way to improve your writing and communication skills both interpersonally and to larger audiences!

Picking up a camera and going out into nature is a fun way to clear your head and get in touch with your surroundings. Photography is easy in that you can do it practically anywhere! If you start your own travel blog, flex some of your fantastic photos in the article on top of it! Photography helps alleviate stress, is a good confidence builder, and lets you capture memories you might have not been able to capture otherwise.

Whether you want to focus on a new hobby that focuses on your health or just something fun to do, any of these are a great pick!

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LIFESTYLE

Fashion

Trends to Watch in

20 24 Every year we see new fashion trends take center stage and dominate the runway. While you can’t always predict what is going to take over your social media feed, you can follow what fashion experts and designers are putting out there. This pulls from various trusted fashion companies and compiled with styles we consistently saw. Containing styles that are for everyone, we hope you take part in what the 2024 fashion world has to offer!

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Subversive Prep The preppy look is predicted to make a comeback in 2024. Featuring cardigans, polos, button down shirts, and pull-overs, this look was given a refresher at recent fashion shows in European markets. This makes sense as every few years an older look is given a new aesthetic and is given new life. Pair these with a layered mini skirt and you’ll be getting compliments on your amazing outfit left and right!

Polo Shirts Prepare for a polo revival in the new year. With the head designer of Prada and Miu Miu boldly claiming that polo shirts are in for 2024, it’s hard to argue against it. This varies from stylish new designer polos to vintage ones you can find at your local Goodwill. Depending on how you fashion it, you can be a part of this trendy style.

Wardrobe Basics Classic wardrobe pieces like button down shirts and solid colors are being ordered more and more according to multiple online clothing retailers.

This is an interchangeable style as it can be worn casually or in professional settings. Pair one of these shirts with basic denim jeans and you can go out on a casual date or spend the day in the office! Depending on the situation you may need to plan for what type of shoes to wear but this outfit works for all of it!

Vintage Revival Vintage clothing should continue to be trendy in 2024. With Gen Z and Millennials love for thrifting good finds, retro clothing is here to stay. New things to look out for will be the addition of retro accessories from previous decades, specifically

the 70s, 80s, and 90s. Printed t-shirts and flared jeans will also continue to be fashionable and who can say no to an old crewneck sweater? This is a fun and simple style that is easy to wear and fun to find!

Fringe Fringe is coming back in style, but not how you would think. No, we’re not telling you to grab your dad’s favorite jacket from high school out of the closet. Many companies are making flapper style dresses of the 1920’s and adorning them fringe details. These have been all over runways recently and are sure to continue to trend in that direction during the year!

But if you do want to use that old fringe jacket from the 70’s we don’t blame you.

Sustainable Fashion As with most industries, sustainability is quickly becoming a major focus for many fashion companies. Brands are increasingly using more recycled materials to reduce their carbon footprint and reduce waste. Fabrics like organic cotton, bamboo, and hemp made products are on the rise and starting to trend. This varies on company for what is being made but we know what helping the planet is on the rise for 2024.

Now you have it, the top trends in fashion in 2024!

There’s a lot of the old coming back but we can also see a glimpse of the future on the horizon.

We’re excited to see if any of this pans out and what 2025 is gonna have to offer

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TV Shows/Movies to look out for in 2024

The new year comes with tons of fresh TV shows and movie releases that will be sure to wow audiences across the globe! There are a lot of titles to be on the lookout for in 2024; we've put together a list of the most anticipated releases for you to bookmark on your calendar to prepare!

LIFESTYLE

JANUARY:

MARCH:

(January 5th, 2024)

(March 1st, 2024)

Race for Glory: Audi vs. Lancia All Creatures Great and Small: Season 4 (January 7th, 2024)

The Masked Singer Season 11

Echo: Season 1

Kung Fu Panda 4

Mean Girls

The Amazing Race: Season 36

The Traitors

Girls5Eva: Season 3

Criminal Record: Season 1

Grey's Anatomy: Season 20

Bluey: Season 3

Station 19 Season 7

True Detective: Night Country: Season 4 (January 14th, 2024)

Manhunt: Season 1

I.S.S.

Palm Royale

In the Know: Season 1

Ghostbusters: Frozen Empire

FEBRUARY:

APRIL:

(January 10th, 2024) (January 12th, 2024) (January 12th, 2024) (January 12th, 2024) (January 12th, 2024)

(January 19th, 2024) (January 25th, 2024)

MLK/X

(March 6th, 2024) (March 8th, 2024)

(March 13th, 2024)

(March 14th, 2024) (March 14th, 2024) (March 14th, 2024)

(March 15th, 2024)

(March 20th, 2024) (March 29th, 2024)

(February 1st, 2024)

A Brief History of the Future: Season 1 (April 3rd, 2024)

Argylle

Fallout: Season 1

Mr. and Mrs. Smith: Season 1

Godzilla x Kong: The New Empire

Curb Your Enthusiasm: Season 12 (February 4th, 2024)

Fallout: Season 1

Abbott Elementary: Season 3 (February 7th, 2024)

The Metropolitan Opera: La Rondine (April 20th, 2024)

Bob Marley: One Love

Civil War (April 26th, 2024)

(February 2nd, 2024) (February 2nd, 2024)

(February 14th, 2024)

Madame Web

(February 14th, 2024)

Sesame Street

(February 19th, 2024)

Avatar: The Last Airbender (February 22nd, 2024)

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Dune: Part 2

The Walking Dead: The Ones Who Live (February 25th, 2024)

(April 12th, 2024) (April 12th, 2024) (April 12th, 2024)

Transformers: Distortion (April 26th, 2024)

Blue Carbon

(April 30th, 2024)

The Ark and the Aardvark (April 30th, 2024)

Star Trek: Discovery Final Season (April 2024)

MAY:

The Fall Guy

NOVEMBER:

(May 3rd, 2024)

Your Friendly Neighborhood Spider-Man (November 2nd, 2024)

Bridgerton: Season 3

Blade

IF

Venom 3

The Garfield Movie

National Treasure 3

Kingdom of the Planet of the Apes (May 24th, 2024)

Gladiator 2

Furiosa: A Mad Max Saga

Wicked

(May 16th, 2024) (May 17th, 2024)

(May 24th, 2024)

(May 24th, 2024)

JUNE:

Inside Out 2

(June 14th, 2024)

Bad Boys 4

(June 14th, 2024)

You Matter

(June 19th, 2024)

A Quiet Place: Day One (June 28th, 2024)

JULY:

(November 7th, 2024) (November 8th, 2024) (November 15th, 2024) (November 22nd, 2024) (November 27th, 2024)

Yellowstone: Season 5 (November 2024)

DECEMBER:

Untitled Diary Of A Wimpy Kid Animated Film (December 6th, 2024)

Karate Kid Movie

(December 13th, 2024)

The Lord of the Rings: The War of the Rohirrim (December 13th, 2024)

Despicable Me 4

Sonic the Hedgehog 3

The Hunchback of Notre Dame (July 19th, 2024)

Mufasa: The Lion King

(July 3rd, 2024)

Thunderbolts

(July 26th, 2024)

Deadpool 3

(July 26th, 2024)

AUGUST:

Borderlands

(August 9th, 2024)

Kraven the Hunter (August 30th, 2024)

SEPTEMBER: Beetlejuice 2

(December 20th, 2024) (December 20th, 2024)

Untitled Jordan Peele Project (December 25th, 2024)

TBD:

Spider-Man: Beyond the Spider-Verse Knives Out 3 Stranger Things: Season 5 House of the Dragon: Season 2 (Summer 2024)

Knuckles The Penguin: Season 1

(September 6th, 2024)

Marvel Zombies

The Amazing World of Gumball: The Movie!

Andor: Season 2

(September 7th, 2024)

X-MEN '97

Transformers One

(September 13th, 2024)

Agatha: Darkhold Diaries (September 19th, 2024)

OCTOBER:

If you have a chance to see any of these TV shows or movies in 2024, take a picture of you and your movie squad, and be sure to tag @HomeByGeneva on Instagram!

Joker: Folie à Deux (October 4th, 2024)

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Spring Activities To Look Forward To LIFESTYLE

Winter is packed full of activities and holidays where the family gathers for a time of love and joy that creates memories that last a lifetime.

Winter is amazing, but that doesn't mean that the fun ends in winter! The spring season provides many exciting activities that can strengthen your relationships with family, and your local community! We've put together a list of these activities you can look forward to this spring!

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Gardening

Golfing

Now is your chance to revitalize your outdoor garden after a long winter! Gardening is a fun hobby to get into, it is cost-effective, relaxing, and worthwhile! You can start by growing greens or fresh fruit, planting vibrant flowers outside your home, or purchasing a planter box or garden bed to take your first step into this fun hobby!

Once your fruits and vegetables are ripe and your flowers are in bloom, you can head to your local farmers market to sell fresh produce and flowers to people in your local community!

Springtime is the best time of year to golf! Once the temperatures start climbing, bring your friends or family out for a day at the driving range or the course! If you want to switch things up, go for a round of TopGolf! TopGolf brings a twist from a traditional driving range, offering targets to hit with various point values. With a wide variety of games available to compete against your friends and great food and drink options, TopGolf would be a perfect place to visit this spring!

If you're looking to take in all there is in spring, consider having a picnic! Spring is the best time for a picnic, the weather is perfect, the flowers and plants are in full bloom, and you can use fresh produce to make delicious meals to eat! Do research on popular picnic destinations near you, or go on a hike to scout for a secluded spot for your family picnic!

Picnic

Farmers Market

Easter

Yard Sale

Visiting a farmers market is a perfect activity to immerse yourself in your local community in the springtime! Farmers markets provide a platform for individuals and local businesses to sell fresh produce and crafts to people right in their neighborhood, which keeps the revenue in the community and promotes a sense of togetherness!

Look out for strawberries, apples, grapes, and greens at farmers markets in the spring, this is the perfect time to enjoy these items!

There's a unique energy surrounding farmers markets; knowing that you are shopping local and creating relationships with people in your community is a feeling you can't get anywhere else.

If you are looking for a spring activity to look forward to with your children, Easter should be at the top of your list! Celebrate with your family by decorating eggs, personalizing Easter baskets, and attending an egg hunt! You can even place eggs in and around your home for your own family egg hunt! Your easter eggs don't need to have candy in them, you can always store money or small gifts in the eggs as well!

Planning on spring cleaning? Donating items or hosting a yard sale should be a no-brainer! Yard sales are a great way to get rid of items you might not need going into the new year while also providing a way for others in your neighborhood to get items they may want for a discounted price! On top of all this, you can even donate proceeds from the yard sale profits towards a good cause, such as a food bank or toy drive, allowing for an event that draws a crowd and will benefit everyone!

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Tapestry of Hopefor2024 Unveiling Upward:

a

COVER STORY

In the mosaic of life, where challenges have woven intricate patterns across our collective experiences, Geneva Financial emerges as the curator of optimism and inspiration for the year ahead. As we navigate the threshold of 2024, our cover story unfolds, revealing the Color of the Year: Upward, a sublime creation

by Sherman Williams, inviting us to embrace a spectrum of possibilities and carve our paths toward brighter tomorrows.

A SYMPHONY OF HOPE

MINDFUL LIVING: NURTURING WELL-BEING

In the quiet moments of personal reflection, I find a weight lifted—a sense of liberation that echoes the collective sentiment of many who have weathered storms in recent years. With the unveiling of Upward, there's a palpable shift in the air, an invitation to access the tools that empower us to rebuild the lives we desire. As we share this journey with our readers, the resonant chords of hope aim to inspire each individual to craft 2024 as their personal masterpiece.

In the pursuit of well-being, our reflections brought forth habits and activities that stood as beacons of mental health. Our exploration into mindful living provides actionable advice, ranging from mindful meditation and gratitude journaling to the transformative power of regular exercise and digital detox.

A PALETTE BEYOND WALLS In the world's cacophony, Upward emerges as a calming palette that extends far beyond the walls of our homes. The tranquility it exudes invites us to take a breath, center ourselves, and weave its soothing hues into the fabric of our daily lives.

Soft blues, gentle greens, and comforting neutrals become more than mere decor choices—they become transformative elements in our fashion choices and daily rituals, creating an ambiance of serenity that transcends the chaos.

As we delve into the nuances of design and decor, envision a sanctuary of relaxation. Our recommendations extend beyond color choices, advocating for the integration of natural elements, the decluttering of environments, and the creation of spaces that transcend physical boundaries—a haven for peace amidst life's demands.

STATEMENT PIECES AND BLISSFUL BLUE Keep reading to see how you can incorporate the color of the year, where blissful blue takes center stage in statement pieces and decor accents.

From plush couches to statement chairs, black accents, and natural wood finishes, the curated selection aligns with the Color of the Year, guiding you in creating spaces that radiate peace and comfort. The goal is not merely to decorate but to curate an environment that echoes the soothing melody of Upward.

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Discover ways to cultivate a positive mental state, incorporating habits that uplift and inspire. As we traverse the realm of mental well-being, our articles aim to be more than informational—they aspire to be guiding lights, urging you all toward a path of holistic wellness.

MOVING LIVES UPWARD: PROFESSIONAL GROWTH

PERSONAL

AND

The concept of moving lives upward is not merely symbolic; it's a call to action. Our content aims to touch various facets of life, from mindfulness and wellness articles to decor ideas aligned with the Color of the Year.

Our message to you, our cherished readers is not just about shedding negative habits; it's about embracing positive transformation. The goal is to inspire change—small, incremental shifts that accumulate into a powerful force propelling us upward. As we collectively navigate the intricacies of personal and professional growth, Geneva Financial stands as a guiding beacon, offering insights to fortify your journey.

A HINT OF SILVER LINING

Color of the Year

UPWARD

SW 6239

This denim blue with calm gray undertones will have you dreamily adrift in the stratosphere. Pair this light neutral with a cool pastel to complete the effect.

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Lighting-Forest

1 Stop bedrooms

Decor to Match

Need help to decorate your home with Sherwin Williams color of the year?

Ashbryn Dining Server and Hutch In White/Natural

Courtland Blue Rattan Pendant Light Interior Designer Recommended Lamps

Pottery Barn

Mango Wood Ceramics Collection

Crate & Barrel

Wayfair

Try out these decor pieces or gather inspriation for own home refresh using the color of the year from Sherwin-Williams. Upward and its secondary colors (next page) have endless possibillities for you to decorate and refresh your home with.

Astrid Upholstered Rattan Counter Stool with Performance Fabric

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Blinny 47.25'' Console Table

Snowbound SW 7004

Pairs well with these colors

Drift of Mist SW 9166

Gale Force SW 7605

Color of the Year

UPWARD SW 6239

Tricorn Black SW 6258

Honeydew SW 6428

Palm Leaf SW 7735

Antiquarian Brown SW 0045

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Winter decorations you can keep up after the holidays DESIGN/DIY

The holiday season may be over, but that doesn’t necessarily mean all your holiday decorations must go! We've put together a list of items you can keep out for the rest of the winter season and perhaps all year!

Avoid the Holiday Colors (Stick To Neutral Colors) No matter what December holiday you celebrate, each one has its own specific colors associated with it. Red and green for Christmas, blue and white for Hanukkah, and Red, green, and black for Kwanzaa. If you're looking to keep your decorations out through the winter and beyond, it’s important to shift these colors out for neutral colors such as white, silver, and gold. These colors give the feeling of winter and warmth without directly tying the decorations to a respective holiday, which gives items of these colors power in your home!

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Christmas Tree: If you have an artificial tree and like having it displayed, there is no time limit on when to take it down; it could even be up all year! To transform your Christmas tree into a decorative piece that can be up all year, you’ll first want to remove any ties to Christmas. All ornaments and the topper would need to be removed, especially if they have red and green colors. For new ornaments, opt for something meaningful.

You may have and fill the rest of your open space with silver, gold, white, and even mirrored ornaments can provide a great look if you plan to keep your tree up.

Wreathes: Winter wreaths are a staple for many homes during the holiday season, they can be seen on the front doors of homes not just around the country but the world.

Wreaths are flexible in that you can decorate them for any holiday year-round! Decorate with red and pink hearts for Valentine's Day, or throw some shamrocks and make it green for St. Patrick's Day! Adorning your home with a front door decoration will make it stand out, emanating its unique feel. Wreaths are a great way to welcome guests into your home, so have some fun with it and show off your home in style!

Lanterns/Candle Holders: You may or may not have known that lanterns and candle holders are synonymous with the winter holidays. For some, winter and holiday-themed lanterns and candle holders can make for prominent seasonal decor pieces in their homes. You can make lanterns and candle holders yearround pieces in your home by making sure that they match the color scheme of where you put them and also complimenting them with other decorative pieces that accent the lanterns and candle holders. Another option for lanterns would be to fill your lantern with pine cones, greenery, mementos, or ornaments to make for a stylish display case!

String Lights: Once you’ve taken down your Christmas lights outside your house, apartment, or condo, you could use them as mood lighting for your home! Create some ambiance within your home and set up colorchanging bulbs you can update as you please. Hanging string lights inside and outside of your home can provide mood lighting that isn’t as harsh as the bulbs in your ceiling and can turn your room or outdoor patio with sufficient lighting that looks amazing throughout the year! By being amazing to look at and providing mood lighting, hanging string lights in and around your house is the perfect opportunity to decorate your home!

Pine Cones: Pine cones are a great accent piece in winter, providing a great scent and warm feel in your home.

Just because they are great to have in your home during winter doesn’t mean you need to put them in storage for the rest of the year! Pine cones can be placed into lanterns, next to candles, on your mantle, or displayed in a decorative bowl or plate. Pine cones provide a naturalistic feel to any space you put them in, and the smell that they give off doesn’t tie to any holiday or season, making it perfect for displaying year round!

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Cozy

ESSENTIALS FOR YOUR HOME DIY

DESIGN/DIY

Looking to revamp your living space in the New Year? Making your home more cozy and inviting to your guests is the best way to turn your house into a home. Between changing the ambiance and making common areas more comfortable, everyone wants their home to be welcoming to all who enter. These essential items are perfect for helping you achieve this!

CANDLES Candles bring forth a warm inviting aura to your home. The calming, flickering light, and the delectable scent coming from the candle help to create a soothing environment.

Whether pine woods or tropical beaches, having your home smell fresh is certain to make it more cozy.

Turn off the lights, light a few candles, and throw on a movie for a fun and relaxing night in!

FRAMED PHOTOS

and life in the home. The greenery and added color can make you feel more in touch with nature and the outside world. Ferns or hanging plants can do the trick, they can be real or for those of us without a green thumb, fake plants are fine as well. You can put these in the living rooms, coffee table, or dinner table so that you and your company can always have them in sight!

WARM LIGHTING

Frame some nice photos in your living room and fill up that empty wall space! Nothing makes a home feel more empty than blank walls. Whether this be family photos, posters of your favorite movies, or beautiful art pieces you found at Goodwill, having stuff on your wall will fill your home up so much more. Don’t limit this to just the living room! Signage in the kitchen, laundry room, and bathrooms will also make these spaces more inviting.

Use warm lighting to make your home more cozy. It’s easier on the human eye and inviting to the heart. Softer tones like orange hues are perfect for this design. No color makes you want to curl up with a good book and warm cup of cocoa more. This could be fun string lights across the walls and ceiling or a standing lamp in the corner!

COZY BLANKETS

Throw pillows give you something to cuddle up to when you’re hanging out on the couch.

This makes for the best midday couch naps when you feel like doing nothing and want to just relax! Use colors that match your furniture to make it pop more and get those pillows some good use.

This is also a fun decorating tool during the holidays as you can coordinate colors and patterns for the season!

Having plenty of warm, fluffy blankets will make your home cozy as you relax on the couch. Heavier fabrics like wool are perfect for cozying up and staying warm! You can also purchase a fabric basket to put all of these in to create a nice aesthetic in the living room! We recommend getting warmer colors like red and orange to lighten the mood in the home.

THROW PILLOWS

HOUSEPLANTS Adorning plants throughout will add vibrance

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If you used any of these DIY tips to make your home more cozy, let us know by tagging @homebygeneva on Instagram!

Preparing Your House To Entertain Guests

Whether you are hosting a party for the big game, book club meeting, graduation party, or just a random get-together, it’s vital to think about your event space and how you can optimize it to suit your needs. We’ve made a list of things to think about before your guests arrive!

DESIGN/DIY

EXPAND OUTSIDE YOUR LIVING AREA: If you are expecting a large group at your house, consider expanding outside your home to make the most of the space afforded to you next time you host! By creating space in your garage or preparing your front and back yard to accommodate your guests, it will be easier to handle a large number of guests, and also provides a space for yard games, food stations, and outdoor seating in addition to the space you have in your inside living area.

MOVE FURNITURE: Are you trying to open up your living room/kitchen area for your upcoming party? Moving your furniture to the sides of the room and clearing chairs away from your kitchen island can make ample space for you to fit more people and create a great room suited for a fun party!

Adjusting your furniture layout to create more open space also promotes socialization and can allow more people to see the big game or a movie on movie night!

HAVE FOOD PREPARED: Food is essential for any party or gathering. Great snacks and meals can leave a lasting impression for your guests!

Before people start showing up, remember to lay out your food in a spot where everyone can access with ease. If you are hosting a grand party, you may even want to opt for a second snack line to eliminate wait times and improve accessibility!

SET UP MUSIC AND LIGHTING: When you think of the parties you’ve been to, all the good events you’ve attended have one thing in common: The energy and atmosphere are amazing and make the party special!

Although this feeling can come naturally, you can also take proactive steps to try to make an atmosphere where this energy can flourish; this starts with the music and lighting! Depending on the event you want to host, lowering or dimming the lights in the house and prioritizing moody secondary light sources such as lamps, screens, or the sun can elevate the atmosphere and encourage people to be themselves compared to harsh direct light illuminating

everything. For the music, this is all at your discretion. Do you want people to sing and dance or have conversations? If your party is geared towards singing and dancing, playing the latest hits or dance music will lifen up your party! On the other hand, if you don't want the music to interrupt the conversations and activities, opt for a backing track without vocals or orchestral music if you are really feeling classy.

SMALL GROUP AREAS: If you are hosting a big group, having space is necessary to accommodate all guests attending.

Although having this space is beneficial, having smaller rooms for people to break out from the big group also has advantages!

Not everyone loves the energy of a big party for an extended period of time; it’s smart to have areas for people to take a break once in a while!

We hope you enjoyed our tips for preparing your home for guests for your upcoming party! We recommend you try a few of these important tips to maximize your space!

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Spring into a Fresh Home DESIGN/DIY

TIPS FOR A SEASONAL RENEWAL

As the winter chill begins to fade away, it's time to welcome the warmth and vibrancy of spring into your home. Beyond the aesthetic appeal, the process of getting your home ready for spring is another way to create an environment to thrive. Having a home that exudes peace and tranquility allows us to get one step closer to nourishing ourselves, our brain, our pride, and, in turn, can help us overcome other obstacles in our lives. These tips will guide you through the process of refreshing your living space, not just as a seasonal chore, but as a mindful endeavor towards fostering a home that promotes well-being and resilience.

DECLUTTER AND DONATE: Begin your spring home preparation by decluttering each room. Take a critical look at your belongings and part ways with items that no longer serve a purpose. Consider donating gently used items to local charities or organizing a neighborhood swap DEEP CLEANING: A thorough spring cleaning is essential to create a fresh and inviting atmosphere. Dust and clean surfaces, wash windows, and pay extra attention to often-overlooked areas like baseboards and light fixtures. Consider steam cleaning carpets and upholstery for a deeper clean. For an a step by step guide on spring cleaning, take a look at this incredible checklist by clicking here.

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REVITALIZE INDOOR PLANTS: Bring the beauty of nature indoors by revitalizing your houseplants. Trim dead leaves, repot if necessary, and provide them with fresh soil and nutrients.

Consider introducing new plants to add a touch of greenery and improve indoor air quality.

CHECK HOME SYSTEMS: Spring is an ideal time to perform routine maintenance on your home's systems. Schedule an HVAC inspection, clean or replace air filters, and check smoke detectors.

Also, inspect windows and doors for any drafts and address them promptly.

UPDATE HOME FRAGRANCES: Welcome the season with fresh scents throughout your home.

Swap out heavier winter scents for lighter, floral fragrances or opt for natural options like essential oil diffusers and fresh flowers.

BRING IN NATURAL LIGHT: Maximize the natural light in your home by cleaning windows and opening curtains or blinds. Consider adding mirrors strategically to reflect light and make spaces feel larger and brighter.

PLAN OUTDOOR ACTIVITIES:

LIGHTEN UP YOUR DECOR: Say goodbye to heavy winter fabrics and dark colors. Embrace lighter, brighter decor by incorporating pastel tones, floral patterns, and lightweight textiles. Consider updating throw pillows, curtains, and bedding for an instant springtime transformation. Reflect on the color of the year and our design guide to incorporate that color into your home. This will be sure to give your home the refresh it needs.

OUTDOOR SPACE MAKEOVER: Transition your outdoor spaces for the warmer months ahead.

Clean patio furniture, arrange comfortable seating, and add vibrant cushions or outdoor rugs. Plant seasonal flowers and herbs in pots to add a burst of color.

Prepare for outdoor activities by organizing and cleaning outdoor gear. Dust off bicycles, clean up the grill, and get ready for picnics and al fresco dining. Having everything ready will make it easier to enjoy the great outdoors.

With these tips, you can bid farewell to the winter blues and usher in the freshness of spring. From creating a clutter-free environment to embracing outdoor living spaces, these simple steps will help you transform your home into a vibrant and welcoming haven for the season ahead. Happy spring cleaning!

INSPECT AND PREPARE YOUR GARDEN: If you have a garden, now is the perfect time to inspect your soil, clean out debris, and plan for new plantings. Trim back any overgrown shrubs or trees, and invest in new tools or equipment if needed.

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Geneva Financial

Fitness Challenge Winner Richard Trojanek

We sat down with Geneva Financial Fitness Challenge winner Richard Trojanek to gain an understanding of his fitness journey, how he manages the relationship with his health and career, and some helpful tips for people starting their fitness journey in 2024.

RICHARD’S FITNESS JOURNEY:

Richard’s fitness journey started as a child. He reflects: “I have always been an active person. I played basketball throughout my whole childhood into college.” During the pandemic, Richard decided to continue his fitness journey using the tips he learned in childhood. “I relied on everything I had learned early in my life, then did my own research to tweak what works for me now.”

While at home during the COVID-19 lockdown, Richard formed the foundation of his positive fitness habits.

He notes, “I was already working from home during this time, but I was able to dedicate a lot more of my time to my health and mental state.” Starting a fitness journey during the COVID-19 pandemic allowed Richard time to work out while not being able to leave his home, which inevitably structured his fitness schedule and goals.

The beginning of Richard’s fitness journey, much like most others, was not simple. He elaborates, “Starting your fitness journey is like breaking a bad habit, it is typically hard unless it is life-threatening. There were times I felt like quitting but thinking about my kids, my wife, and where I want to go helped me stay on track.” It takes time to see results, and Richard’s vision of his future and family helped him stay the course toward his fitness goals.

Richard’s daily health and wellness routine starts with fasting until 10:30-11 AM each morning. He will then have a breakfast consisting of eggs, breakfast meat, avocado, and MCT oil. MCT oil can be found in most of Richard’s meals, it's benefits further enhance his daily routine. Richard opts for a salad or charcuterie-style meal, consisting of meat, cheese, and fruit for lunch. Ending with dinner, Richard enjoys a plate of meat and vegetables. He prefers grilled chicken but has recently incorporated fish into his diet for protein. For his vegetables, Richard prefers broccoli, asparagus, and brussels sprouts.

After having dinner with his family, Richard’s workout does not begin until his kid’s complete homework and are in bed. Around 8 PM on weekdays, he starts his workout in his home gym, “My gym consists of

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dumbbells from 2.5 – 110 lbs., a rowing machine, and a full body strength training machine and Vault Mirror from Nordic Track.”

His workouts consist of strength training, cardio, and ab workouts. Richard believes in a mixture of cardio and strength, “I do strength training and cardio each day.

Strength training consisting of weightlifting and cardio consisting of walking, running, and rowing.” Richard has also recently begun meditating with my wife and is taking to it, furthering his fitness journey with his family!

BALANCING WORK/CAREER/FAMILY

Richard started his fitness journey during the COVID-19 pandemic, which just so happened to coincide with the busiest times of his career in the mortgage industry.

In addition to his fitness journey, Richard also finds time to excel in his role as a Branch Manager for Geneva Financial, and most importantly, his family, as the role of a husband and a father to his wife and children.

Although Richard balances time between his fitness and his family, the love and support from his family is the motivating factor that keeps him going in his fitness journey and mortgage career.

“The most motivating factor that keeps me going and staying on track is my family. I must be at my best to be there for them in all aspects of life. I need to be at the healthiest version so I can grow old and be at all their special achievements and life milestones, marriage, grandchildren, etc. Not only do my kids motivate me, but my wife is a huge motivating factor. She is my inspiration to keep going and to strive higher. She has backed me throughout our entire relationship/journey. She does not get enough credit for all her duties. I cannot thrive and excel in my career without having that certain person who assists with my mental state and keeps me in check. Providing the best version of myself to her, both physically and mentally gives me the most satisfaction to keep on this path of health and fitness greatness.”

For Richard, the combination of clarity from fitness and a support system provided by family gives him the strength to not only manage but excel in these facets of his life.

Your fitness and health goals will not accomplish themselves; failure is acceptable as long as you try again, it will not be easy, and you will want to quit more than one time, but perseverance will prevail, and you will excel in life and career.”

- Richard Trojanek

TIPS AND MISCONCEPTIONS FOR BEGINNERS:

In the spirit of the new year with people beginning their new year resolution of setting and pushing towards fitness goals, Richard provided key information for anyone starting, or restarting their fitness journey. Richard emphasizes that the most important thing you should focus on during your fitness journey is to focus on the food you eat. Having a plan for your food intake is more important than working out, by giving your body the nutrients it needs, you can set yourself up for success! Create a plan for what foods you need.

He also recommends either starting or ending your day with a nice walk to get outside and move your legs! Richard believes that even a little activity will go a long way “Incorporating a fitness plan of something as simple as walking each day, even if it is only for a mile or 2. It will bring so much clarity to your life.”

When starting your fitness journey, it’s best to start slow and work your way up. As Richard says, “You cannot dive into the deep end, you must learn in the shallow end first. Incorporating a fitness plan of something as simple as walking daily, even if it is only for a mile or 2. It will bring so much clarity to your life.” As you work your way up you will feel accomplished and confident in your abilities, Richards elaborates, “As you progress from the shallow end of the pool, you become more confident in your ability to take it to the next level.”

This journey should be seen as a marathon, not a race. There will be trials and tribulations along the way and setbacks can happen. Your fitness journey will not be easy but is worth it if you want to become the best version of yourself possible!

If you are struggling to commit to starting your fitness journey, Richard suggests starting small and building over time. He explains, “Start small and build from there. There is a rush to feeling great, but overwhelming yourself may burn you out quicker and derail your path.” You don’t want to go zero to 100 to get that quick rush of a good feeling, but rather a slow buildup that will gradually improve your overall health in the long run. “Just like breaking a habit or starting one, it will take commitment and goal planning to get started and stay on track.”

When researching fitness information, there are always myths, or misconceptions on the internet that can create confusion for people on their fitness journey. We asked Richard for any misconceptions about working out, in Richard’s experience, one that stood out was splitting up workouts by muscle group, “I was always under the impression that you need to split up your workout and give enough time in between workouts for your muscles to recover. Working out specific muscles and regions I understand giving a day for recovery, but your body can do a full-body workout every day.” If you work on different parts of your body, Richard believes that you can complete a complete workout without focusing on one muscle group.

We hope you can find inspiration in Richard’s journey and take advantage of a few of his helpful tips! If you’ve found this article helpful, feel free to tag @HomeByGeneva for updates on your fitness journey!

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Spice S P ECIAL S ECTION

UP YO U R L IFE

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https://www.chilipeppermadness.com

RECIPES

BO KHO RECIPE (SPICY VIETNAMESE BEEF STEW) Serves 6

INGREDIENTS:

FOR THE BEEF:

3 lbs. beef chuck cut into 1.5 inch pieces (you can any other stew beef) 2 tbsp. fish sauce 1-2 tbsp 5-spice powder Salt and pepper to taste

2 hours 20 minutes

DIRECTIONS:

Set the chunks of beef into a bowl or sealable baggie. Whisk together the fish sauce, 5-spice powder, salt and pepper. Pour over the beef and marinate while you prepare your other ingredients. (NOTE: I like to marinate at least 30 minutes, though longer is better. Consider starting your marinade the morning of cooking).

Heat the vegetable oil in a large pot or Dutch oven to medium-high heat. Add the beef in batches and brown each side, turning as needed – about 10 minutes total. Set the beef aside onto a plate.

FOR THE BEEF STEW (BO KHO):

Reduce the heat to medium and add the onion and peppers. Cook for 10 minutes, stirring often, until the onion starts to brown.

3 tbsp. vegetable oil

Add the garlic and cook for 30 seconds, or until the garlic blooms.

1 large yellow onion

Stir in the lemongrass, ginger, tomato paste, star anise, and ground annatto. Mix well in the bottom of the pot.

2-3 Thai chilies minced 5 cloves garlic minced 1/4 c. minced lemongrass 1 tsp. minced ginger 3 tbsp. tomato paste 2 whole star anise pods 1 tsp. ground annatto 4 c. beef stock 2 c. coconut water 3 large carrots chopped 2 tbsp. chili oil I love spicy chili oil 2 tbsp. soy sauce 2 tbsp. fish sauce

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Method Stove Top

For Garnish. Torn Thai basil or fresh chopped herbs, spicy chili flakes

Add the beef stock and coconut water, then the browned beef along with any juices from the plate.

Bring to a boil, then reduce heat. Cover and simmer for 1.5 hours, or until the meat is tender, stirring as needed.

Add the carrots, chili oil, and soy sauce. Stir, then cover and simmer 30 minutes, or until the carrots are cooked and the beef very tender.

Remove from heat.

Stir in the fish sauce. Taste and adjust for salt and pepper.

Serve with Thai basil or fresh chopped herbs.

INGREDIENTS:

8 oz. rice noodles I used wide rice noodles 2 shallots sliced 5 cloves garlic minced 1/3 c. chopped scallions/green onions just the white part, save the green for garnish!

1 tbsp. fresh grated ginger 1 tbsp. oil I used olive 4-5 tbsp. low sodium soy sauce 1-3 tbsp. chili garlic sauce

SPICY CHILI GARLIC NOODLES

1 tbsp. brown sugar can sub coconut sugar 1 tbsp. sriracha more or less to taste 2 tsp. rice vinegar 1 tbsp. toasted sesame oil 1/2 tsp. red pepper flakes

Serves 2

Method Stove Top

Minutes 20

DIRECTIONS:

Bring a large pot of water to a boil and cook noodles according to package instructions.

Add the shallots and garlic to a pot and saute with the oil until browned, about 10 minutes.

Add the white part of the scallions and the grated ginger and saute for 2-3 more minutes.

Add in all remaining sauce ingredients and whisk together. Start on the low end of the recommended amounts of sriracha and chili sauce (1 tbsp or less for each).

It's very easy to make it more spicy if you want, but if it ends up too spicy for you, it's hard to tone it down! Everyone has different tolerance levels, hence the big ranges.

When the noodles are done cooking, combine with the sauce and toss until well coated. Let simmer for a few minutes to allow the noodles to absorb the flavors. I also tossed in two diced roasted red peppers, but you can also add in any sauteed veggies you like!

Taste and adjust flavors as desired. The first bite might not seem that spicy, but it gets spicier the more you eat, so have a few bites before you decide to add extra sriracha or red chili flakes!

Serve as is or with any other vegetables or protein of choice. Top with red chili flakes for more spice and the remaining chopped scallions. Enjoy! https://eatwithclarity.com

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INGREDIENTS: 1 lb Udon Noodles 1/4 cup sriracha Juice of 1 lime 3 tbsp. low-sodium soy sauce 2 tbsp sesame or canola oil, divided 1 lb medium shrimp, peeled and deveined 2 bell peppers, sliced 1 small cucumber, thinly sliced 4 spring onions, thinly sliced, plus more for garnish Lime wedges, for serving

Serves 4

Method Stove

Minutes 25

DIRECTIONS:

In a large pot of salted boiling water, cook noodles according to pack instructions until al dente. Drain and return to pot.

In a small bowl, whisk together Sriracha, lime juice, and soy sauce and set aside.

In a large pan over medium-high heat, heat 1 tablespoon oil. Cook prawns until pink, about 3 minutes, then transfer to a plate. In same pawn, heat remaining 1 tablespoon oil. Cook peppers, cucumber, and spring onions until tender, 5 to 6 minutes, then add prawns, cooked noodles, and sauce and stir until coated.

SIRACHA PRAWN WITH NOODLES

Serve with lime and spring onions.

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PHOTO: ETHAN CALABRESE | https://www.delish.com

https://www.chilipeppermadness.com

RECIPES

PEPPER JELLY RECIPE Serves 48 oz

INGREDIENTS:

4-5 c. very finely chopped chili peppers use a mix of your favorites for flavor and heat 1 1/4 c. apple cider vinegar 1/4 c. lime juice 1 tsp. salt 1.75 oz. package powdered pectin or use 3 oz. liquid fruit pectin 5 c. sugar

DIRECTIONS:

Add the finely chopped peppers to a large pan along with the sugar, vinegar, lime juice, and salt. Bring to a boil then reduce heat to medium and cook at a low boil for 10 minutes, stirring often.

Stir in pectin and boil for 1 minute, stirring constantly. Remove from heat and cool for 5 minutes.

Ladle the hot liquid into clean jars, leaving 1/4 inch headspace, and screw on the lids.

Cool overnight in the refrigerator. The mixture will solidify into jelly.

Method Stove Top

Minutes 25

FOR PRESERVING/JARRING First, clean your jars and lids using a steamer rack in a 16-quart pot. Place the jars on the rack and fill the pot with water, enough to cover the jars. Do not let the jars touch the bottom of the pot, as the heat can cause the glass to crack.

Bring the water to a boil and boil the jars for 10 minutes. Remove the jars with tongs when you’re ready to use them.

Prepare the pepper jelly per the instructions above.

When the pepper jelly is ready, scoop it into the jars, leaving ¼ inch head space.

Clean the lids with soap and hot water, then place them onto the jars. Secure them with cleaned canning rings. Wipe the rims clean.

Place the filled jars back into the hot water bath, onto the steamer rack, ensuring the jars are covered with 3 inches of water.

Return the water to a boil and process them for 10 minutes. For higher altitudes, process them for additional time (up to an extra 10 minutes). Remove the jars with tongs and tighten the screw caps.

The jar lids should make a popping sound as they seal.

If a lid doesn’t seal for some reason, you can reprocess it, or store the jar in the refrigerator.

Invert the jars to test for leaks.

Flip them upright after 10 minutes and allow to cool.

Store the jars in a cool, dry place. They will last a year or longer this way. Once you open them, however, keep the jars in the refrigerator.

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www.thechunkychef.com

RECIPES

30 MINUTE SPICY GINGER SZECHUAN BEEF Serves 4

INGREDIENTS:

BEEF:

1.5 lb flank or skirt steak 1 tbsp. soy sauce 1 tbsp. mirin 3 tbsp. cornstarch 3 tbsp. sesame oil VEGETABLE TOPPING: 2-3 celery stalks julienned into thin 2 in. long strips 1/2 c. shredded carrots 3 in green onions sliced thinly, into 1/2 pieces SAUCE: 1 tsp. crushed red pepper flakes 1/4 tsp. Chinese 5 spice 2 cloves garlic minced 2 tbsp. packed brown sugar 1 inch of fresh Ginger grated or very finely minced 4 tbsp. reduced sodium soy sauce 2 tbsp. water 1 tbsp. Sriracha 1 tbsp. rice wine vinegar 2 tsp. hoisin sauce 1 green onion thinly sliced

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Method Stove Top

35 minutes

DIRECTIONS: Slice steak, across the grain, into 1/4 inch thick strips and place in a large plastic bag. Add mirin and soy sauce and massage into the meat. Add cornstarch, seal the bag and toss/massage to coat the meat.

Let meat marinate for about 10 minutes.

In a medium mixing bowl, whisk together sauce ingredients and set aside.

Slice vegetables and set aside.

Add sesame oil to wok (or large saute pan) and heat over MED-HIGH heat.

Add beef to hot pan (just enough to cover the bottom of the pan - you'll probably want to do at least 2 batches), and saute about 2-3 minutes. Remove beef to a plate and cook remaining batches.

Add sliced vegetables to the hot pan and cook about 1-3 minutes (depending on how tender you want them), stirring often.

Pour in Szechuan sauce and cook about a minute, until slightly thickened.

Add cooked beef and turn to coat in the sauce.

Serve over rice of your choice.

SPICY GOCHUJANG NOODLES INGREDIENTS:

GOCHUJANG SAUCE: ¼ c. Korean gochujang I am using hot gochujang 2 tbsp. soy sauce 2 tbsp. sesame oil 1 tsp. honey or use sugar, optional Juice from ½ lime 2 cloves garlic minced FOR THE GOCHUJANG NOODLES: 8 oz noodles (use rice, flour, egg, or ramen noodles) 1 tbsp. vegetable oil 1 large bell pepper chopped 3-4 spicy chilies chopped GARNISH: Fresh chopped scallions/green onion, toasted sesame seeds, red pepper flakes, lime wedges

Serves 4

Method Stove

Minutes 20

DIRECTIONS:

Whisk together the gochujang noodles sauce ingredients and set the sauce aside.

Boil the noodles in hot water per the packaging directions until done, about 4-5 minutes. Drain and set into a lightly oiled bowl.

Heat the oil in a wok or large pan over medium heat and add the chili peppers. Cook for 5 minutes to soften.

Add the noodles and stir fry for 1 minute.

Stir in the spicy noodles sauce and toss to evenly coat.

Transfer to bowls. Garnish and serve.

https://www.chilipeppermadness.com

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INGREDIENTS:

4 oz flat rice noodles 3 tbsp. canola oil, divided 1/2 lb. chicken breast, sliced into very thin strips 1/2 red bell pepper, halved and thinly sliced 3/4 c. carrots, shredded or julienned 2 garlic cloves, minced 1 egg, beaten

EASY SPICY CHICKEN PAD THAI

1 green onion, chopped 1/4 c. unsalted peanuts, roughly chopped 2 tbsp. cilantro leaves, chopped FOR THE SAUCE: 2 tbsp. packed brown sugar 1 tbsp. low sodium soy sauce 1 tbsp. fish sauce 1 tbsp lime juice 1 tbsp. rice vinegar 1 tbsp. smooth peanut butter 1 tbsp. Sriracha or another chili paste 1/4 tsp. ground ginger 1/8 tsp. pepper

Serves 2

Method Stove

Minutes 30

DIRECTIONS:

Prepare rice noodles according to package directions.

Rinse noodles in cold water, drain, and toss in with 1 tbsp canola oil. Set aside.

Add all of the sauce ingredients to a medium mixing bowl. Whisk together and set aside.

While rice noodles are soaking, heat 1 tablespoon canola oil in a large nonstick skillet over mediumhigh heat. Once hot, add chicken and let cook for 3-4 minutes until cooked through. Transfer to a plate while you cook the vegetables.

Heat one tablespoon canola oil over in the same skillet and heat over medium-high heat. Add bell peppers and sauté 1 minute. Add carrots and garlic and sauté 1 additional minute. Reduce heat to medium and pour beaten egg over vegetables and cook, stirring constantly, just until scrambled.

Add sauce and noodles and increase heat to mediumhigh. Toss until evenly combined and continue to stir and cook for 1-2 minutes, taking care to not let noodles overcook. Stir in chicken, green onions and peanuts, and heat through.

Taste and add one additional seasoning as necessary.

You can add more Sriracha if you want it spicier, soy sauce for a salty bite, or a squeeze of lime for a tang.

Top with cilantro and serve.

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https://www.mymoderncookery.com

https://www.seriouseats.com

RECIPES

SICHUAN-STYLE WONTONS IN HOT AND SOUR VINEGAR AND CHILI OIL SAUCE Serves 6

INGREDIENTS:

FOR THE WONTONS:

1 lbs. ground pork shoulder 2 tsp. kosher salt 1 tbsp. sugar 1 tsp. finely ground white pepper 1 1/2 oz. minced scallions or Chinese chives 2 tsp. minced fresh garlic 2 tsp. Shaoxing wine or dry sherry 40 thin square wonton wrappers FOR THE SAUCE: 4 to 8 whole hot Chinese dried red peppers (or arbol chiles), stems removed 2 tsp. sichuan peppercorns 1/4 c. vegetable or canola oil 1 tbsp. roasted sesame oil 3 tbsp. Chinkiang vinegar (or a mixture of 2 tablespoons rice vinegar and 1 tablespoon balsamic vinegar) 2 tbsp. soy sauce 1 tbsp. sugar 1 tbsp. minced fresh garlic 1 tbsp. toasted sesame seeds

Method Stove Top

Minutes 90

DIRECTIONS:

FOR THE WONTONS: Combine pork, salt, sugar, white pepper, scallions, garlic, and wine in a medium bowl and knead and turn with clean hands until the mixture is homogenous and starting to feel tacky/sticky, about 1 minute. Transfer a teaspoon-sized amount to a microwave-safe plate and microwave on high power until cooked through, about 10 seconds. Taste and adjust seasoning with more salt, white pepper, and/or sugar if desired.

Set up a work station with a small bowl of water, a clean dish towel for wiping your fingers, a bowl with the wonton filling, a parchment-lined rimmed baking sheet for the finished wontons, and a stack of wonton wrappers covered in plastic wrap.

To form dumplings hold one wrapper on top of a flat hand. Using a spoon, place a 2 teaspoon- to 1 tablespoon-sized amount of filling in the center of the wrapper. Use the tip of the finger on your other hand to very gently moisten the edge of the wrapper with water (do not use too much water). Wipe fingertip dry on kitchen towel.

Carefully fold one tip of the wonton wrapper across to meet the opposite tip to form a triangle. Seal edges of the triangle, carefully pushing out all air from within the wrapper as you work. Pull the two corners on the hypotenuse of the newly formed triangle to meet, moistening one with a little water, crossing them and pinching to seal. Transfer finished dumplings to the parchment lined baking sheet.

FOR THE SAUCE: Place chiles and Sichuan peppercorns on a microwave-safe plate and microwave on high until toasted and aromatic, about 15 seconds. Transfer to a mortar and pestle or a food processor and crush until it's about the texture of store-bought crushed red pepper flakes. Transfer to a small saucepan.

Heat oil in a skillet over medium heat until shimmering. Immediately pour hot oil over chile/ peppercorn mixture (it should sizzle). Let cool for 5 minutes then transfer to a medium bowl.

Add sesame oil and set aside.

Combine sugar, vinegar, soy sauce, and garlic in a small bowl and stir until sugar is dissolved. Add chili oil mixture. Set aside until ready to use. (Sauce can be stored in a sealed container in the fridge for up to 2 weeks).

TO COOK AND SERVE: Bring a large pot of water to a boil. Add 12 to 16 wontons and cook until they are completely cooked through, about 4 minutes. Drain wontons and transfer to a warm serving platter. Spoon sauce on top. Sprinkle with peanuts and minced cilantro and serve immediately.

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https://www.chilipeppermadness.com

RECIPES

CHILI CON CARNE Serves 8

INGREDIENTS:

FOR THE CHILI SAUCE: 4 guajillo peppers (or use 1-1.5 tbsp ground guajillo powder or chili powder blend) 4 ancho peppers (or use 1-1.5 tbsp ground ancho powder or chili powder blend) Salt to taste FOR THE CHILI: 4 lbs. chuck roast cut into 1 inch cubes 1-2 tbsp. paprika 1 tbsp. Mexican oregano 1 tbsp. black pepper 1 tbsp. brown sugar 1 tsp. cumin 1 tsp. ground coriander Salt to taste 2 tbsp. olive oil 2 jalapeno peppers chopped 1 large onion chopped 5 cloves garlic chopped 2-4 cups beef stock (or use tomato sauce or fire roasted tomatoes) FOR SERVING: Crema or sour cream, fresh chopped herbs, spicy chili flakes or chopped chiles, shredded cheese

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Method Stove Top

3 hours 15 minutes

DIRECTIONS: Make your chili sauce. Remove the stems and sees from the dried guajillo and ancho peppers, then lightly toast in a dry pan about a minute or 2 per side. This will help to release the oils.

Soak the peppers in very hot water for 20 minutes in a heat proof bowl, or until they are nice and soft.

Add the softened peppers to a food processor with 1/2 cup of the soaking water (or use fresh water) and a bit of salt to taste. Process until smooth. Strain if desired. Set aside for now.

Heat the oil in a large pot or Dutch oven to medium heat. Season the beef with salt and pepper, then sear the beef in batches to brown them, a few minutes per side. Set the beef aside onto a plate.

Add 1/4 cup of the beef stock to deglaze the pot, and scrape up the browned bits from the bottom.

Add the jalapenos and onion. Cook them for 6-7 minutes to soften.

Add the garlic and stir. Cook another minute.

Pour in the reserved chili sauce and the seasonings, and stir. Cook for 5 minutes, stirring a bit, to let the flavor develop.

Stir in the remaining beef broth (or tomato sauce) and reserved beef.

Bring to a boil. If you’d prefer a soupier chili, add in 4 cups of beef broth. If you are using the optional additions/ beans, add them in now.

Reduce the heat, cover and simmer for about 2 hours, or until the beef is very tender.

Serve with your favorite fixins!

INGREDIENTS:

2 tablespoons olive oil 1 lb. extra-large raw shrimp 21-25 per lb., peeled and deveined 1/2 tsp. kosher salt

SPICY SHRIMP

1 tbsp. chili powder 1 tsp. garlic powder 1 tsp. smoked paprika 1/4 tsp. cayenne pepper 2 tbsp. chopped parsley for garnish

Serves 2

Method Stove

Minutes 15

DIRECTIONS:

Heat the olive oil in a large (12-inch) skillet over medium-high heat.

Add the shrimp and the spices.

Cook until the shrimp are cooked through and opaque, about 5 minutes. If using extra-large shrimp, place them on the skillet in a single layer and cook for 2-3 minutes per side. For smaller shrimp, cook for a total of about 5 minutes, stirring often.

Garnish with parsley and serve, on cauliflower rice, mashed cauliflower, or on a bed of green leaves such as spinach or arugula.

https://healthyrecipesblogs.com

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https://www.easypeasyfoodie.com

RECIPES

HOMEMADE NANDO'S SPICY RICE Serves 6

INGREDIENTS:

1 tbsp. olive oil

1 small onion diced 1 small red pepper diced 1/2 tsp. chili flakes 1 tsp. turmeric 1 tsp. smoked paprika 1 1/4 c. long grain rice 2 1/2 c. hot chicken stock (from a cube is fine) Salt and pepper to taste 3 1/2 oz. frozen peas

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Method Stove Top

Minutes 20

DIRECTIONS:

Place the oil, diced onion and red pepper in a reasonably large saucepan.

Cover with a lid and cook over a gentle heat for 3 minutes until softened but not browned.

Remove the lid and add the chili flakes, turmeric and smoked paprika. Cook for 2 more minutes. Add a splash of water if it starts to get a little dry.

Add the rice, chicken stock, salt and pepper. Turn the heat up and bring to the boil. Then cover with a lid and turn the heat down. Cook for 7 minutes, or until the rice is nearly cooked. (See note 1.)

After 7 minutes add the peas and stir. Re-cover with the lid and cook for 3 more minutes or until the rice is done to your liking and the peas are hot.

GRILLED CABBAGE WITH SPICY THAI DRESSING RECIPE INGREDIENTS:

3 tbsp. fresh juice from 4 to 6 limes, divided 3 tbsp. fish sauce 3 tbsp. palm or light brown sugar 3 medium cloves garlic, finely minced 2 tsp. dried Thai-style chile flakes, more or less to taste 2 tbsp. chopped fresh mint leaves 2 tbsp. chopped fresh cilantro leaves and tender stems 1 medium head green cabbage, cut into 6 wedges, with core left intact 2 tbsp. extra-virgin olive oil Kosher salt and freshly ground black pepper

Serves 4

Method Grill

Minutes 30

DIRECTIONS:

Combine 2 tablespoons (30ml) lime juice and all of fish sauce, sugar, and garlic in a small microwaveable bowl. Microwave on high heat until steaming-hot, about 20 seconds. Add chile flakes. Stir until sugar is dissolved. Allow to cool in refrigerator, then stir in remaining lime juice and herbs. Set aside.

Light one chimney full of charcoal. When all charcoal is lit and covered with gray ash, pour out and arrange coals on one side of charcoal grate. Set cooking grate in place, cover grill, and allow to preheat for 5 minutes. Alternatively, set half the burners on a gas grill to the highest heat setting, cover, and preheat for 10 minutes. Clean and oil grilling grate.

Place cabbage wedges directly over hot side of grill. Cook, covered, until well charred on first side, about 2 minutes. Flip cabbage, cover, and cook until charred on second side, another 2 minutes.

Flip wedges to third side, cover, and cook until well charred, another 2 minutes. Transfer cabbage to cooler side of grill, cover, and continue cooking until mostly tender but still crunchy in center, about 4 minutes longer.

Transfer cabbage to a large bowl and toss with olive oil, salt, and pepper. Transfer to a serving platter. Drizzle with sauce and serve immediately.

PHOTO: Eric Kleinberg | https://www.seriouseats.com

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FIRECRACKER SALMON INGREDIENTS: Cooking spray

1 (2 lb.) skin-on salmon fillet 1/2 tsp. kosher salt 1/4 tsp. freshly ground black pepper 1/4 c. dark brown sugar 3 cloves garlic, minced 3 tbsp. sriracha 2 tbsp. extra-virgin olive oil 2 tbsp. fresh lime juice 1 tbsp. reduced-sodium soy sauce or tamari 2 tsp. sweet paprika 1 tsp. finely chopped peeled ginger 1/2 tsp. crushed red pepper flakes 1 scallion, chopped Lime slices, for serving

Serves 4

Method Oven

Minutes 40

DIRECTIONS:

Preheat oven to 350°. Line a large rimmed baking sheet with foil and grease with cooking spray.

Arrange salmon skin side down on prepared sheet. Season flesh side with salt and black pepper.

In a medium bowl, whisk brown sugar, garlic, sriracha, oil, lime juice, soy sauce, paprika, ginger, and red pepper flakes. Coat flesh side of salmon with brown sugar mixture.

Bake until salmon is cooked through, 20 to 24 minutes. Scrape any sauce on sheet pan over salmon, then top with scallions and lime slices.

PHOTO: ERIK BERNSTEIN | https://www.delish.com

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PHOTO: . Kenji Lopez-Alt | https://www.seriouseats.com

RECIPES

HOT AND NUMBING XI'AN-STYLE OVEN-FRIED CHICKEN WINGS Serves 4

INGREDIENTS:

4 lbs. chicken wings, cut into drumettes and flats 1 tbsp. baking powder 1 1/2 tbsp. kosher salt 1 tbsp. whole cumin seeds 1 tsp. whole fennel seeds 1 tbsp. dried red pepper flakes (preferably Thai) 1 tbsp. whole Sichuan peppercorns, seeds removed 1 tbsp. brown sugar 2 tsp. vegetable oil 1/2 c. chopped fresh cilantro leaves and fine stems 4 scallions, thinly sliced

Method Oven

8 hours 45 minutes

DIRECTIONS:

RESTING TIME (8 HOURS): Line rimmed baking sheet with aluminum foil, and set rack inside. Carefully dry chicken wings with paper towels. Place 1/3 of wings in large bowl, sprinkle with 1 teaspoon baking powder and 1 teaspoon salt, and toss until thoroughly and evenly coated. Place on rack, leaving slight space between each wing.

Repeat with remaining two batches of wings.

Place baking sheet with wings in refrigerator and allow to rest, uncovered, at least 8 hours, and up to 18 hours.

Adjust oven rack to upper-middle position and preheat oven to 450°F (230°C).

Add chicken wings and cook for 20 minutes. Flip wings and continue to cook until crisp and golden brown, 15 to 25 minutes longer.

Meanwhile, combine cumin, fennel, pepper flakes, and Sichuan peppercorns in a small skillet and toast over medium-low heat until fragrant, about 1 minute. Transfer to a mortar and pestle or a spice grinder. Add remaining 1/2 tablespoon salt and sugar and grind until a rough powder is formed.

When wings are finished, transfer to a large bowl and toss with oil. Add half of the spice powder and all of the cilantro and scallions. Toss until coated. Taste one wing, then add more spice powder to taste. Serve immediately.

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PHOTO: J. Kenji López-Alt | https://www.seriouseats.com

RECIPES

EXTRA-HOT YUCATÁN-STYLE ROASTED-HABANERO SALSA Serves 6

INGREDIENTS:

1 whole head garlic, split into cloves, cloves left unpeeled 24 whole habanero chiles 2 tbsp. juice from 1 grapefruit 2 tbsp. juice from 1 orange 2 tbsp. juice from 2 limes Salt

Method Stove Top

Minutes 30

DIRECTIONS:

Thread garlic cloves on a metal skewer and roast directly over a gas flame until well charred on all surfaces, about 5 minutes. Alternatively, roast in a dry skillet over medium-high heat, tossing, until charred on most surfaces, about 5 minutes. Transfer to a bowl until cool enough to handle, then peel blackened skins and discard.

Roast habaneros in a dry skillet over medium-high heat, tossing, until charred on most surfaces, about 5 minutes. Transfer to a bowl and allow to cool. When cool enough to handle, pick out stems and discard. (See note; you may want to use gloves for this task.)

Combine peeled garlic, habaneros, and grapefruit, orange, and lime juice in a blender or molcajete. Blend or pound until a smooth but still pulpy consistency is reached. Be very careful when opening blender or pounding in molcajete to avoid getting liquid or vapors near your eyes and nose. (It will burn your eyes and make you cough/sneeze.)

Transfer salsa to a bowl, let rest for 15 minutes, then season to taste with salt.

Salsa can be stored in a sealed container in the refrigerator for up to 2 weeks.

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INGREDIENTS:

1 c. dried árbol chiles, stems removed 3/4 c. dried chiles japones, stems removed 3/4 c. dried Kashmiri red chiles, stems removed 1/2 c. roasted, salted peanuts, chopped 2 inch piece fresh ginger, sliced into thin matchsticks 3 pieces whole star anise 2 red or black cardamom pods, split in half

HOMEMADE SPICY CHILI CRISP

3 tbsp. freshly ground Sichuan peppercorn 3 tbsp. porcini or shiitake mushroom powder 2 tbsp. sugar 5 tsp. kosher salt 2 tsp. freshly ground cumin 3/4 tsp. freshly ground black pepper 2 1/2 c. peanut oil, or any other neutral oil 2 c. thinly sliced shallots 3/4 c. thinly sliced garlic

Serves 32

Method Stove Top

Minutes 65

DIRECTIONS:

Put on disposable latex gloves.

Place a wire rack inside a quarter- or half-sheet tray.

Using your hands and kitchen shears, cut open chiles and place them on rack. Shake rack to sift off most of the seeds (don't worry about removing all the seeds).

Transfer chiles to a bowl and discard seeds. Using a spice grinder and working in batches, process chiles until they are ground to a size just larger than standard chile flakes. Transfer processed chiles to a heatproof bowl or pot large enough to accommodate bubbling oil (at least 4 quarts in size). Combine chile flakes with peanuts, ginger, star anise, cardamom, Sichuan peppercorn, mushroom powder, sugar, salt, cumin, and black pepper. Set aside.

Set a fine-mesh strainer over a 2-quart heatproof bowl.

In a 4-quart saucepan, combine oil and shallots. Cook over high heat while constantly stirring. Once shallots become light golden brown, strain. Pour oil back into pot and add garlic. Cook over medium-low heat, constantly stirring, until light golden brown, then strain. Return oil to pot once more. Set aside fried shallots and garlic.

Heat oil to 375°F (190°C). Pour hot oil over chiles, spices, and other seasonings. Stir well to distribute hot oil throughout. Set aside to fully cool, about 30 minutes or until bowl or pot is cool to the touch.

Once chile-and-oil mixture has fully cooled, remove star anise and cardamom pods. Mix in fried shallots and garlic. Pour finished chili crisp into jars and store in the fridge for about 3 months. It can be served immediately, but for best flavor, eat it the next day. Stir well before serving

PHOTO: Vicky Wasik | https://www.seriouseats.com

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INGREDIENTS:

1/2 tsp. powdered gelatin 2 pieces (4.3 oz) palm sugar 3 tbsp. (1.5 oz.) tamarind concentrate (no sugar added) 1 1/2 tsp. cayenne powder 1 tsp. sugar 1 tsp. salt 1/2 tsp. malic acid

Serves 10

Method None

Hours 9

TAMARIND AND PALM SUGAR POPSICLES WITH CHILI SALT RECIPE

DIRECTIONS:

Sprinkle gelatin over 1/2 cup (120ml) room temperature water and set aside to bloom.

Using a rolling pin or the bottom of a heavy pan, crush the palm sugar into small pieces. In a small sauce pot, combine the palm sugar with 1 cup (240ml) water and heat, stirring occasionally, just until sugar is dissolved. Remove from heat and stir in the gelatin mixture and tamarind concentrate. Add an additional 8 ounces (240g) ice by weight or 1 cup of ice water by volume to dilute and chill the popsicle base.

Divide evenly among 10 (3-fluid-ounce) popsicle molds and freeze until just beginning to firm, about 30 minutes. Insert popsicle sticks and continue freezing until completely solid, about 8 hours. To un-mold, dunk molds in hot tap water for a few seconds and jiggle sticks to release.

Wrap individually in plastic and freeze for up to 3 weeks.

For the chili salt, in a small bowl combine the cayenne, sugar, salt, and malic acid. Dip the edge of each popsicle into the chili salt before serving.

PHOTO: Vicky Wasik | https://www.seriouseats.com

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https://www.foodnetwork.com

RECIPES

SPICY PINEAPPLE UPSIDE-DOWN CAKE Serves 8

INGREDIENTS:

Caramel Topping:

1 tbsp. unsalted butter, plus more for the pan 2/3 c. sugar 1 20 oz. can pineapple rings 2 tbsp. fresh red Thai chiles, chopped CAKE: 1 3/4 c. all-purpose flour 1 tsp. baking powder 1/2 tsp. baking soda 1/2 tsp. fine salt 1/4 tsp. crushed red pepper flakes 1/2 c. coconut milk 1/2 c. buttermilk 1 tsp. pure vanilla extract 1 stick (8 tablespoons) unsalted butter, at room temperature 1 1/2 c. sugar 2 large eggs

Method Oven

2 hours 35 minutes

DIRECTIONS:

FOR THE CARAMEL TOPPING: Preheat the oven to 350 degrees F. Butter just the sides of a 9-by-3-inch round cake pan.

Stir the sugar and 1/3 cup water in a medium saucepan over medium heat until the sugar dissolves. Cook, no longer stirring, but gently swirling the saucepan occasionally until the mixture is the color of light amber, 4 to 5 minutes. (If needed, brush any sugar crystals off the side of the pan with a pastry brush dampened with water.) Remove the saucepan from the heat, and carefully whisk in the butter (use caution; the mixture can bubble up considerably). Pour the caramel into the prepared cake pan, tilting the pan to cover most of the bottom (be careful; the pan will be very hot from the caramel). Lay the pineapple rings in the pan and fill each hole evenly with the chiles. Set aside.

FOR THE CAKE: Whisk together the flour, baking powder, baking soda, salt and crushed red pepper flakes in a medium bowl; set aside. Combine the coconut milk, buttermilk and vanilla in a small bowl; set aside.

Beat the butter and sugar together in a large bowl with an electric mixer on medium-high speed until light and fluffy, about 4 minutes. Add the eggs 1 at a time, beating after each addition and scraping down the side of the bowl as needed.

Reduce the mixer speed to low and add the flour mixture in 3 batches, alternating with the milk mixture and mixing until just incorporated.

Pour the batter over the pineapple in the cake pan and spread evenly. Bake until the cake is golden brown and bounces back when pressed and a toothpick or cake tester comes out clean when inserted in the center, 50 to 60 minutes. Run a knife around the edge of the cake to separate it from the pan. Let the cake cool in the pan on a wire rack until just cool enough to handle, about 30 minutes. Invert a serving platter over the cake pan and, while holding them together, quickly flip them over so the cake unmolds, pineapple-side up. Let cool completely. Cut into wedges, and serve.

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Mindful Living

Cultivating Hope and a Silver Lining in Every Moment WELLNESS

In a world that has weathered storms and faced unforeseen challenges over the last three years, the need for hope and a silver lining has never been more apparent. Home By Geneva, dedicated to revitalizing spaces, minds, and bodies, is committed to providing resources that encourage you to embrace a mindful approach to life.

The Art of Mindful Living: What is it?

Mindful living is a practice and approach to life that involves intentionally paying attention to the present moment, with an attitude of curiosity, openness, and non-judgment. It encompasses being fully engaged in one's experiences, thoughts, feelings, and surroundings without being overwhelmed by them. Mindful living encourages individuals to cultivate a heightened awareness of their thoughts and actions, fostering a deeper connection with themselves and the world around them. Let’s dive in to see how you can live mindfully:

Nourishing the Mind: In the pursuit of a mindful existence, nurturing the mind is paramount. Amidst the chaos of daily life, take moments to unplug, breathe, and center yourself. Mindful meditation, even if for just a few minutes a day, can significantly reduce stress and cultivate a sense of inner calm. Consider creating a designated space in your home—a tranquil corner or a cozy nook— where you can retreat for moments of reflection and serenity. Read our article on the color of the year for helpful tips on how to accomplish this. (color of year link)

Revitalizing the Home: Our living spaces play a pivotal role in shaping our experiences. As we navigate through challenging times, revitalizing our homes becomes an act of self-care. Embrace the Japanese philosophy of "Kintsugi," where broken

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objects are repaired with gold, highlighting their imperfections as a part of their history.

Apply this concept metaphorically to life— embrace imperfections, find beauty in the flaws, and infuse hope into your living environment. For additional guidance on creating a space that allows for tranquility, read more here. (Link to Tips For Sping home thing)

Connecting with the Body: Mindful living extends beyond the mind; it encompasses a holistic approach that includes our bodies. Engage in activities that promote physical well-being, whether it's through yoga, mindful walks, or dance.

Consider incorporating mindful eating habits, savoring each bite and relishing the nourishment your body receives. This intentional connection with the body fosters a sense of gratitude and vitality.

The Silver Lining Perspective Finding Joy in Small Moments: In the pursuit of a silver lining, it's essential to cultivate an appreciation for the small joys life offers.

Practicing Gratitude: A powerful tool in mindful living is the practice of gratitude. Dedicate time each day to reflect on the things you are thankful for.

Embracing Change: Mindful living invites us to embrace change with open hearts. Rather than resisting the inevitable ebb and flow of life, view change as an opportunity for growth and transformation. Trust that, even in uncertain times, there is a silver lining waiting to be discovered.

Now that we understand the principles and benefits behind mindful living, lets explore actionable ways you can take to incorporate this into your daily life:

Morning Mindfulness Routine: Start your day with a mindful morning routine. Before reaching for your phone, take a few minutes to practice deep breathing, and set positive intentions for the day.

Mindful Breathing Breaks: Schedule short mindful breathing breaks throughout the day. This simple practice can help ground you in the present moment and alleviate stress.

Digital Detox: Dedicate specific periods of the day to a digital detox.

Turn off notifications, limit screen time, and engage in activities that promote face-to-face connections or quiet reflection.

Gratitude Journaling: Keep a gratitude journal and jot down three things you're grateful for each day. This simple practice shifts your focus towards positivity and cultivates a sense of appreciation.

Mindful Eating: Approach meals with mindfulness. Avoid distractions like TV or phones, and appreciate the nourishment your food provides.

Nature Connection: Spend time outdoors and connect with nature.

Reflective Evening Routine: Wind down your day with a reflective evening routine.

Before bedtime, take a few moments to review the positive aspects of your day.

Mindful Listening: Practice mindful listening in your interactions. When engaged in conversations, give your full attention to the speaker, listen without judgment, and respond thoughtfully.

Awareness of Thoughts: Cultivate awareness of your thoughts without judgment.

Intentional Action: Individuals engaged in mindful living make intentional choices and engage in activities with full awareness.

This means being conscious of their actions, whether it's eating, walking, working, or interacting with others.

Remember that mindful living is a continuous practice, and incorporating these actionable items into your daily routine can gradually lead to a more mindful and fulfilling life.

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FITNESS TIPS For 2024 WELLNESS

For many people, improving your physical health is a big focus when it comes to New Years resolutions. Whether this means cutting snacks, losing weight, or finally getting the six pack you’ve always wanted, health is often prioritized. This can be a daunting task but with the right mindset and preparation you can knock it out of the park!

PACE YOURSELF Improving your physique takes a lot of time and isn’t something that’s gonna happen after a few workout sessions. If you overextend yourself early on you increase the likelihood of burnout and not meeting your goals. We recommend starting off slower and building up the intensity of your workouts and diet as you become more acclimated to the lifestyle change. Finding time to workout and look for healthier recipes can be a lot to juggle at once but taking it step by step is more likely to lead to long term success.

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FIND A WORKOUT BUDDY Workout buddies make going to the gym fun! This also holds you accountable for your exercises. It’s easy to cancel your gym session when you’re the only one going, but when you have a workout buddy to hold you accountable it’s easier to muster up that extra energy and hit the gym. Workout partners also offer extra motivation and encouragement, and vice versa. When you’re well motivated and have someone by your side to work with, this chore can become something you look forward to throughout the day!

CREATE A PLAN The first step to starting a new program is to create a plan. This includes workout routines, meals, scheduling, and so much more! Having a plan takes a lot of the stress in workouts as you know when you’ll be focusing on your goals and can more easily plan your life around it.

Sure, sometimes life will get in the way, but if you plan accordingly you can keep up much easier!

HAVE FUN! One of the best ways to stay motivated and active is to have fun with your exercises! You can make your daily cardio exercises a game by trying to run farther than you did yesterday or beat your workout buddies mile time. If you enjoy sports, playing pickup games of Basketball or Flag Football are fun ways to get your cardio in while also scratching that competitive edge! Don’t let this become a chore, have some fun with your routine!

GOAL STACK BREAK DOWN YOUR GOAL If you are looking to completely reset your fitness routine, it helps to spread it out so you don’t get overwhelmed. For example, if you want to cut calories, get more sleep, and go to the gym more, focus on one step at a time.

Make January the month you cut carbs from your diet, have February be when you focus on sleep, etc. It take up to 4 weeks for habit to form and if you can work on one at a time, you’ll have a much better chance at success!

What better way to maximize productivity than working on two goals at once? Goal stacking allows you to simultaneously work on multiple items on your to do list. Is one of your goals to spend more time with the kids? Run around with them at the park! This lets you get your exercise in and also spend quality time with the kiddos! As hard as it may be sometimes, it is possible to incorporate your life into your health routine.

AVOID CRASH DIETS One of the biggest warnings any dietician or trainer will give you is to avoid crash diets.

Crash diets are very low calorie diets that can be defined as 800 calories or less. This stops you from getting the proper nutrients your body needs and makes it harder to store energy for your workouts. This type of diet is not healthy for long term goals and doesn't last. Avoid these at all costs!

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HOW TO STAY ON TOP OF YOUR

New Years Goals

WELLNESS Many of us have resolutions we start every year to better ourselves. While it's easy to set a goal it can be hard to stick with it and stay motivated. Losing motivation and energy to complete these goals are avoidable! With the right planning and expectations you can accomplish your goal and take pride in all the hard work you put in to achieve it!

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BE PICKY

Too many goals can be overwhelming and discouraging. It's hard to juggle too many things at once and not being able to fully prioritize one goal or another is only going to set yourself up for failure. This is why you should be picky with the goals you set and start what you want to get done the most. You can always start a new goal once you finish your first one!

PLAN IT OUT

Do research on your resolution to see how long it will realistically take to complete. Setting realistic expectations takes away a lot of pressure from completing your goal by a set time. It can take up to 6 months for lifestyle changes to become a habit, take it slow and pace yourself accordingly.

Slowing it down lets you adapt to changes and setbacks as they come along without the stress of a set timeline!

CHOOSE A NEW RESOLUTION

For some people it may be best to start a new resolution. If you choose one you've started before and failed you may become discouraged quicker and lose motivation. Learning French can wait until 2025 if it didn't work out in 2023... or 2022. Starting with a clean slate and picking up something new will feel refreshing and give you something to feel excited about! Even if it's something smaller, an improvement to you and your lifestyle is an accomplishment you should be proud of!

TALK ABOUT IT

Don't be afraid to share your goals with your friends and family! Telling them you want to better yourself is very commendable and may even motivate them to start their own resolution! This creates a support group for you that will hold you accountable if you start slacking and encourage you when you start to get lose motivation. Who knows, you might even find a buddy with similar goals to work alongside you so you don't have to go through it alone!

TRACK YOUR PROGRESS

Accomplishing your goal isn't going to happen overnight. Because of this, it may feel like progress isn't being made. Keep track of your progress by writing down the positives you see and how you've been sticking with it! If you feel discouraged simply look at your progress so you can see your hard work is paying off! Many goals should be treated like a marathon, not a race.

Pace yourself and focus on the good, not the bad.

KEEP TRYING

Take a break if you start to feel burnt-out by your goal. Resolutions don't need to happen in January, they can start any time of the year. It's normal to feel burnt-out and hit a bump in the road, that only makes you human! You can always continue your progress or hit the restart button and start again. If you can keep that motivation you will complete your goal. The time it takes to complete the goal doesn't matter as long as you reach the finish line!

New Years goals can take some time and will provide challenges along the way. With the proper mindset and tools at your disposal, you'll be able to accomplish them in no time!

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Staying Active When It’s Cold Outside WELLNESS

During the winter months, working out and staying fit aren't necessarily the first things you may think about.

Winter and early spring are a time for making memories with friends and family, spending time staying warm and cozy inside, and maybe even enjoying hearty comfort food, but you can still set aside your health and wellness goals! We compiled a list of activities for you to stay active with this season, even when it's cold out!

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Skiing/Snowboarding: Whether you are a beginner or a veteran on the slopes, skiing or snowboarding is a great way to stay active! These sports involve core and leg strength and stamina to stay in control of your speed and keep you on your desired path. If you are feeling adventurous, opting to try the terrain park with ramps, rails, and boxes requires even more control over your body and pushes you to improve every time you go out! There is no limit to how good you can be at skiing and snowboarding, and it is something you can look forward to every winter season for a good workout with your friends!

Cycling Classes: Cycling classes can be an amazing way to stay on top of your cardio goals when it is cold out. Whether you are on your peloton at home or a class at your local gym, cycling with others offers a sense of community while providing a stellar workout! Purchasing a peloton is costly, we recommend attending classes near you at a local gym or cycling business for your first experience to see if it is worth the investment. Cycling is an incredible way to increase your heart rate, feel the burn in your legs, and push yourself to be your best, and there is no better time to start than the winter!

Yoga: If you want an activity to improve your health and wellness while staying indoors, yoga could be the perfect cold-weather idea for you!

Yoga can be a relaxing yet effective way to improve your balance, strengthen your core, and greatly enhance your flexibility while staying out of the harsh winter elements. If you are looking for a real challenge, attend a hot yoga class for a sauna-like feel while you are doing yoga, completely transforming a traditional yoga session into an intense workout. There are so many positives about yoga for all facets of your health and wellness, we highly recommend giving this a shot!

Indoor Gym Workouts: When it’s cold out, there’s no better time to go to the gym for your workouts! If you normally get your exercise through outdoor sports and activities, continue working towards your fitness goals by utilizing the many machines and activities present in your local gym! Whether it is working out on machines designed to focus on specific muscle groups, free weights, basketball, swimming, or taking classes, the possibilities to achieve your personal wellness goals are endless! Use the colder months to work on your fitness so you can make the most and feel your best for the warmer months!

Outdoor Activities: If you don’t mind braving the elements for your workout, there are a few activities you try while it’s cold out! Hiking allows you to take in the beautiful winter sights in the forest or the mountains! If the path is not icy or wet, taking a run while it’s cold still gives you the cardio you need while your body is cool and comfortable. If there’s snow on the ground, try snowshoeing, sledding, or even a snowball fight for your cold-weather workout! There is a wide array of options available for you to get a workout in the cold; be sure to keep your health in mind, and watch out for ice!

We hope you find these recommendations useful and encourage you to try a few of these activities out! Although it’s cold outside, there are still so many opportunities available for you to improve your health and wellness! We wish you the best of luck on your personal journey!

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SHAREABLE SNACKS for Entertaining Guests in 2024 FOOD

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Whether you are hosting a party, a potluck, or a casual get-together, snacks are essential for any group experience. They provide a delicious way to welcome guests, keep them satisfied, and encourage them stay and socialize.

With so many different snack options available, it's difficult to know what snacks to provide your guests. That's why we put together this ultimate snack guide for your next get-together!

We'll cover everything from classic staples to trending snacks, plantbased options, fun snacks, and healthy snacks. Whether you're looking for something simple or something more creative, we have you covered!

SHARING STAPLES

With unlimited snack options available for gatherings, there's no coincidence that you’ll always find a few classic snack staples at gatherings, no matter where you are in the country. Common snacks like trail mix, popcorn, chips and dip, and assorted nuts are most likely to appear no matter where you attend. Although you can find these anywhere, it is vital to have these as options for attendees because they cater to everyone!

TRENDING SNACKS COMING INTO 2024

The snack world is ever-changing, with new variations of classic staples and original ideas quickly becoming commonplace. As 2024 begins, there have been a few shareable snacks that have taken over already. Crostini bites with multiple variations, tex mex dip, bang-bang shrimp, chicken and waffles, fried mac & cheese balls, and sandwich rolls have stood out as delicious snacks you can incorporate into your snack platter this year. Try a few of these out next time you host and see if any of them become a fan favorite!

PLANT-BASED SNACKS

With more and more people becoming vegan and the general interest in trying plant-based options, we decided to highlight a few snacks suited for everyone who might like them! It is surprising how many classic snacks can be made vegan. Guacamole, hummus, spinach dip, bean dip, and potato chip recipes can all be made vegan with small

changes that have no effect on taste!

If you are trying to experience a plant-based diet, you can opt for chickpea bruschetta bites, vegan spring rolls, cauliflower buffalo wings, chorizo nachos, and mozzarella sticks!

These delicious snacks are light, easy to make, and taste similar (if not better) to the originals!

FUN SNACKS

If you are trying to switch things up the snacks you see at parties, you can opt for a fun recipe to offer your guests something different! Experiment with delicious shareable items outside the ordinary, such as Korean fried chicken, sushi cups, bite-sized sandwiches, elote, pullapart bread, or a dessert dip! These snacks will surely be the talk of the party and will leave your guests wanting more next time.

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HEALTHY SNACKS

If eating cleaner and healthier in 2024 was your New Year's resolution, it’s essential to consider the snacks you put out in your next gathering for yourself and whoever else shares a similar resolution! Snacking healthier doesn’t necessarily mean you need to eat less tasty food; consider putting out apples and peanut butter, fresh fruit, cheese and crackers, or hard-boiled eggs at your next event! For dessert, a yogurt bar would be perfect for you and your guests. With various yogurt flavors and toppings to choose, people will be sure to get creative with making their perfect yogurt concoction!

We hope you find these recommendations helpful and encourage you to try a few options next time you host! Having classic snacks available is always a good idea, but it’s very fulfilling to step out of your comfort zone and try something you may have never tried before!

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FOOD

Diet Tips

The new year brings lots of changes for everyone. For many, it is seen as a time to reset and review your goals, aspirations, and plans for the upcoming year. This is also a good time to reevaluate your mental and physical health, start a new exercise routine, and change up your diet. We put together a few tips for starting your new year diet off right we hope you'll find useful!

EAT MORE VEGETABLES

Every doctor would recommend a healthy serving of vegetables in your diet. These are often high in fiber, contain essential vitamins and minerals, and are more filling than starchy alternatives.

Vegetables such as broccoli and sweet potatoes are known to be the most filling, helping you avoid those sugary after dinner snacks. You can also cook vegetables in a multitude of ways that are both delicious and nutritious! The USDA recommends 2-3 cups of vegetables per day, more attainable than one might think.

COOK AT HOME

Cooking at home allows you to prepare what you eat and the amount that you consume.

Restaurants and fast food joints often over serve customers with salty, fatty food. But by cooking at home, you can pick and choose the ingredients that work best with your diet goals, saving money in the process! This is the opportunity to test your culinary chops and get creative with recipes! You can find plenty of healthy recipes online that fit your needs and dietary restrictions!

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MEASURE SERVING SIZES

One way to better track how much you eat and limit the extra eating is to measure your serving sizes.

Even healthy foods can lose their benefits when too many portions are served. Using the recommended serving sizes on product packaging helps you control your intake. This can also be based on your health needs and goals! For example, if you want more

fiber in your diet, measuring serving sizes allows you to more accurately gauge how much you're getting and track your progress while you're at it!

COUNT CALORIES

If your goal is to lose weight and limit how much you eat throughout the day, try counting calories! Speak to your doctor first about how many you need to eat based on your health, body type, and

goals and try to stick as close to that number as possible.

This helps you monitor your diet and exactly how much you are eating. This information can be useful to learn what needs to be corrected and changed. Some snacks may be low in calories but if eaten multiple times it begins to add up!

This isn't a reason to skip meals or not eat all together! Calories provide you energy to get through the day and help your body function as it should!

DRINK MORE WATER

Water keeps you hydrated and fills you up, limiting how hungry you are throughout the day!

This assists in cutting drinks that add extra calories and sugar to your diet like soda and tea. This is especially important if you are going to increase in working out for the new year!

Water helps your joints recover after a workout and keeps your body temperature at a normal, healthy level. Order water instead of soda when eating out, this will save you money and calories!

PLAN AHEAD

Creating a thorough, well planned shopping list is very beneficial for changing your diet. You can plan your meals for the week and plan healthy alternatives for lunch and snacks by meal prepping. Meal prepping controls your diet and is easier during the week to cook during the week after a long day at the office! We recommend not going to the store on an empty stomach as you may be more prone to buying snacks and other junk food you don't need!

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FINANCIAL WELLNESS

Beyond Homeownership MORTGAGE

Owning a home isn't the only way you can achieve financial wellness, there are plenty of options outside of homeownership to reach your financial goals. Any financial advisor would advise you not to put all of your eggs in one basket. Markets can be volatile and relying on only one can be disastrous. Whether you invest, save, or plan, controlling your financial security should be on everyone's resolution list in 2024.

Here are some ways you can balance your finances and improve your financial wellness.

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DEVELOP SUSTAINABLE INCOME

One crucial factor to sustain financial wellness is generating the income you need to support your short term and long term goals. Working a job that financially supports you and brings in consistent income greatly helps your ability to save and increases your investing power. One time cash opportunities such as gambling or the lottery are not sustainable, nor something you can count on. It's easier to plan around your financial limitations when you know what to expect every pay period.

PLAN FOR YOUR FUTURE

Having an idea of what your future goals are going to be is vital for how you handle your money. Are kids in your future? Plan for it. Do you wanna travel Europe? Plan on what you'll be spending.

This helps you prioritize what you find most important and plan accordingly. These savings should not be used for bills or impulse buys, and should be seen as an emergency fund for potential financial setbacks. Financial advisors recommend putting at least 10% of your paycheck into your savings but 20% is preferred.

LIVE WITHIN YOUR MEANS

This boils down to not spending more than what you make.

Understand what you can spend and prioritize what you need to spend your hard earned cash on. If you can, have your rent/ mortgage payment be no more than 30% of your monthly income. A financial advisor can help you determine what you can afford for rent and other living expenses as well as what you need to cut back on to save more money!

REVIEW YOUR SUBSCRIPTIONS

If you're looking for more stability with your finances, you should first start by reviewing your monthly subscriptions. Streaming platforms are affordable alternatives to a cable subscription, but juggling multiple subscriptions can start to add up quickly.

By reviewing your subscriptions, you can start to cut services you don't use, and set that money aside for other expenditures.

Additionally, you should use this time to review larger expenses like insurance and car payments. It may be time to find a health insurance plan with better rates or refinance your car and lower your monthly payment!

PAY OFF CREDIT CARD DEBT

If you're drowning in credit card debt it might be time to prioritize that and pay it off. Hold off on using that card again until it's been paid off. Adding to your debt total makes paying it off more difficult to accomplish and the accruing interest has you paying more in the long run. While this can be challenging, starting a budget and cutting your expenses can make this much more attainable and can be paid off in no time!

START BUDGETING

Starting a budget makes it easier to track your spending and gives you a better feel for where your money is going. Follow the 50/30/20 rule, this says that 50% of your income goes to essentials, 30% goes to personal purchases, and 20% goes into your savings and debt repayments. You can adjust this based on your expenses and living conditions, but staying within this range will help you achieve financial wellness!

Financial wellness has more to it than just owning a home or having a high paying job. It is often something you need to work at and plan towards. By implementing healthy planning, budgeting, and investing strategies, you can put yourself in the best situation to maximize your financial wellbeing!

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Cash-Out Refinances MORTGAGE

With Caeli Ridge

If you have owned your home for a while, you are likely building up equity by paying off your mortgage.

You can convert your homes equity into cash through the cash-out refinance process to fund your goals!

BENEFITS OF TAPPING EQUITY:

A cash-out refinance can help with any debts that have higher interest rates. Using your equity to pay off these debts carrying high interest rates helps.

If you are planning on a big home renovation project, utilizing a cash-out refinance can help cover the renovation expenses. These renovations will increase the value of your home in the long run.

Having more cash on hand can help in many ways in you or your family’s life. Putting your family through college, buying a car or additional property, or even starting a business can be made simpler by pulling equity from your home.

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We interviewed cash-out refinance expert Caeli Ridge, President and CEO of Ridge Lending Group, to understand the ins and outs of this process and how you can make the most of this opportunity.

How would you explain a cash-out refinance to someone for the first time?

A way to access or tap into your homes equity.

This could be a first-lien or second-lien mortgage and could apply to any primary residence, second home, or investment property. And a reminder that borrowed funds are non-taxable.

Why should someone consider a cash-out refinance?/ What are the benefits of a cash-out refinance?

To consolidate debt, paying off higher rate credit cards, or other consumer debt- anything that is charging higher interest than what you can borrow from the equity of your home/property Cash out to use towards other investments; more real estate (rental property) as an example. Or anything that will produce a higher return than the cost of borrowing the money Benefits include; borrowed funds are tax-free.

Interest paid is often deductible. If used for investing, the potential for passive income, appreciation, and further tax credits.

Are there any drawbacks to a cash-out refinance?

Of course. It’s important that you understand the math and that you DO the math. All of these should be easy addition, subtraction, multiplication, or division depending on your circumstances and use of the borrowed funds.

What documentation is typically required for a cash-out refinance?

Depending on the loan type, it could be very little. If the property is a rental, something called the debt service coverage ratio (DSCR) could be used in which case, no income documentation is required. If the property is a primary residence, you’ll likely need to supply vials of blood and DNA samples things like 1 to 2 years of federally filed tax returns (personal and business as applicable), paystubs, w2, bank statements, mortgage statements, evidence of insurance, etc.

Could you take us step-by-step through the cash-out refinance process?

Have a consult with your loan officer. Discuss your needs/goals, back-of-the-napkin qualifications; income/liabilities (debt to income, aka DTI), credit and assets Complete an online residential loan application Send in the required supporting applicable to your scenario

documents

Review and sign initial loan disclosures Arrange/Approve a time to have the appraiser come and inspect the property *perhaps your property manager will handle this part Conditional (underwritten) Loan Approval issued Supply whatever outstanding items/conditions that apply to you CTC (clear to close) is issued after all conditions have been fulfilled and satisfied Schedule with escrow/notary to sign your loan documents Loan funds/monies disbursed.

What are some things people should consider before getting a cash-out refinance?

What is your net tangible benefit of the cash-out refi?

Does the benefit of the refi justify the cost?

Have clients told you what they intend to use the equity money for? If so, what is the reason you hear most?

Debt consolidation Investment purposes Kids’ education Home Improvement

Any additional comments or insight for people who could potentially use a cash-out refinance to their advantage?

Above all else make sure you are doing the math and that you have faith and confidence in your loan officer's ability to guide you not only through the loan process but also to provide options, scenarios, and feedback as it relates to your short and long-term loan goals.

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How

REFINANCING Can Help Your Home RENOVATION MORTGAGE

As the years go by your home can show signs of wear and tear. Bumps and cracks appear creating the need to apply some cosmetics and a little bit of TLC. Unfortunately, these repairs can be costly and may be difficult to pay out of pocket. However, refinancing can help give you the cash needed to pay for these expenses and make your home feel brand new again!

What is a Refinance?

To refinance a mortgage means to replace an existing mortgage loan with a new one. With a refinance, the principal balance of the existing loan is paid-infull using the balance of the new loan. When the refinance is complete, your old loan is retired — replaced with new mortgage terms.

Benefits

There are plenty of perks that can benefit you in the long run by refinancing.

This varies based on interest rates, home value, and credit score. One such way you can benefit is by renovating your home! Using options such as a cash-out refinance can give you the money you need to pay for repairs and renovations to your home! Here are a few ways refinancing can help with your home renovations.

Can Help With All Projects

Refinancing can help with projects both big and small. Whether you are adding on to your home or replacing the counter tops in the kitchen, refinancing gives you the opportunity and flexibility to do so! Big projects can revamp your home and lifestyle and even smaller projects can cause your home's value to increase.

Lowers Interest Rate

Lowering the interest rate by refinancing can also help with home renovations.

Having a lower interest rate saves you money in the long run, savings that can be used to repair or remodel your home! If you extend the life of your loan you may pay more over time but your monthly payment will be lower allowing you to save cash for renovations. The money you save over time can build up and be used for bigger projects or repairs as they come along.

Allows You to Hire a Professional

Getting cash from a refinance can help you avoid doing DIY home repairs. Extra cash from refinancing allows you to hire a trained professional and avoid the headache of doing it yourself! Hiring a certified professional ensures that the job will be done right and takes responsibility away from you for damages. If you do this yourself and cause damage to your home, you are responsible for the cost of fixing it.

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Use Extra Cash for Other Projects

Sometimes the renovations cost less than anticipated. You don’t have to give that money back to the lender. When this happens, you can use the leftover cash to take care of other projects, debt, or purchases as you wish. Now you can finally replace that old dishwasher or help pay off other loans! The possibilities are endless!

Proactive Repairs to Reduce Long Term Costs

Refinancing to lower your interest rate, extend the life of your loan, and lowering your monthly payment gives you extra cash to work on repairs. If you jump on these early, it can prevent small problems from becoming big ones. This saves you money in the long run. It’s cheaper to replace a part on your A/C unit than to have the whole unit replaced. So if you refinance, put those savings back into your home!

Refinancing can be a valuable tool for homeowners. It can be helpful in a multitude of ways and using it to renovate your home is one of the biggest ones! Increase your home's value and make your living space truly your own by refinancing today!

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RENOVATION Financing If you're thinking about home repairs or improvements, you can turn to the most logical source for help—your house!

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