Home By Geneva: Winter Edition 2025

Welcome

Ah, winter—the season of cozy sweaters, crackling fires, and the perfect excuse to sip something warm (or boozy!) while watching snowflakes dance outside. Whether you’re bundling up for an epic winter getaway or just trying to survive the cold in style, we’ve got you covered. From must-visit destinations to the coziest winter accessories, this issue is packed with everything you need to make the most of the season. And because we know winter isn’t just about hibernating, we’re also looking ahead by helping you prep now for an easy transition into spring.

Speaking of fresh starts, we’re bringing some serious inspiration to your space with a look at the colors of the year! We’re serving up a mix of bold and soothing shades to reinvigorate your home, because who says a winter refresh can’t be just as exciting as a spring makeover? And for those who love to gather around the table, we’re bringing you a special collection of comforting recipes perfect for the season. So grab your favorite cozy drink, settle in, and get ready for a winter filled with warmth, style, and a little bit of magic.

Cierra Dootson Geneva Financial Executive Director Of Marketing

Managing Editor Home By Geneva

by GENEVA HOME

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

www.GenevaFi.com

EDITOR-IN-CHIEF

James Polinori

MANAGING EDITOR

Cierra Dootson

ART DIRECTOR

Jacque Huerta

CONTRIBUTING WRITERS

Bryce Freshour

Chris Green

Stay Cozy Must-Have Winter Accessories

As the temperatures dip, it’s the perfect time to embrace the unique charm of winter while staying warm and stylish. From timeless staples to trendy pieces, the right winter accessories can elevate your cold-weather wardrobe and keep you cozy all season long. Here’s a roundup of the musthave accessories to help you stay warm, stylish, and ready for anything winter throws your way!

LIFESTYLE

Chunky Knit Scarves

A chunky knit scarf is a winter essential that never goes out of style. Opt for neutral tones like cream, grey, or black for ultimate versatility, or go bold with vibrant colors or patterns to make a statement. Wool and cashmere materials will keep you warm without sacrificing comfort, adding both style and practicality to your winter wardrobe.

Beanies and Berets

Keep your head warm while elevating your look with beanies or berets. Beanies are perfect for casual outings or outdoor adventures, while berets offer a more refined, sophisticated vibe. Choose wool or fleece-lined options for added insulation and comfort. Whether you're out running errands or enjoying a snowy stroll, these headpieces will keep you cozy and stylish.

Stylish Mittens

Mittens are making a stylish comeback as a chic alternative to gloves. For a fun, playful twist, look for mittens with faux fur accents, intricate patterns, or bright colors. Not only do they keep your hands warm, but they add a unique touch to your winter look, giving you an extra boost of personality during the coldest months.

Statement Coats

While coats are more of a wardrobe staple than an accessory, they certainly define your winter style. Choose a statement coat with unique features like oversized buttons, a flattering belt, or faux fur trim for added flair. Neutral colors like camel, navy, and grey are timeless, but don’t be afraid to embrace bold shades to add a little brightness to those dreary winter days.

Ear Warmers and Headbands

For those who aren’t fans of hats, ear warmers and headbands are the perfect alternatives. These pieces keep your ears toasty without ruining your hairstyle. Choose fleece-lined or knitted designs for maximum warmth, and enjoy the cozy, fashionable protection from the cold.

Thermal Socks

Cold feet can quickly spoil your day, so invest in thermal or wool socks to ensure warmth and comfort all day long. These socks are designed to wick away moisture, keeping your feet dry and cozy. Pair them with ankle or knee-high boots for a stylish winter look that’s as functional as it is fashionable.

Insulated Boots

Winter footwear is all about balancing warmth, style, and traction. Insulated boots with water-resistant exteriors and plush linings will keep your feet warm and dry, even in the snowiest conditions. Look for boots with sturdy soles to help you navigate icy sidewalks and snowy streets safely, all while looking chic.

Tech-Friendly Gloves

Gone are the days of freezing your fingers just to send a text or check your notifications. Tech-friendly gloves, equipped with touchscreencompatible fingertips, allow you to stay connected without taking off your gloves. Opt for water-resistant materials if you plan to brave the snow, ensuring your hands stay warm and dry no matter the conditions.

Oversized Blanket Scarves

The oversized blanket scarf is the ultimate combination of fashion and function. These scarves can be worn as a traditional accessory, draped over your shoulders, or even wrapped around you like a cozy blanket on the coldest days. Look for soft fabrics like cashmere or fleece in plaid or solid patterns and enjoy the comfort and warmth this accessory provides.

Hand Warmers

On particularly cold days, portable hand warmers can be your best friend. Whether disposable or rechargeable, these small, lightweight warmers can easily slip into your pockets, providing on-the-go warmth. Keep them handy during outdoor activities, or pop one into your gloves for extra warmth on the coldest days.

When selecting winter accessories, prioritize high-quality materials like wool, fleece, and cashmere to ensure durability and warmth. Additionally, keep an eye out for heated electronic accessories—scarves, gloves, and boots that provide extra warmth—perfect for those extra-chilly days. Don’t hesitate to experiment with different textures, colors, and patterns to express your personal style this winter. With these cozy accessories, every snowy day will feel like a runway!

Winter Wonderland

Aspen, Colorado

Aspen is one of the most famous ski towns in the United States, offering not only world-class skiing and snowboarding but also luxury shopping and fine dining experiences. Its scenic view, cozy vibe, and vibrant winter culture make it a top winter destination, offering something for everyone.

Park City, Utah

Park City is great for film buffs as it is home to the famous Sundance Film Festival. Beyond the slopes, Park City offers a charming historic Main Street with intimate shopping, art galleries, and great dining options.

New York City, New York

While not a traditional winter resort, New York City offers a winter experience like no other. From the iconic ice skating rink at Rockefeller Center to dazzling holiday window displays and Broadway shows, NYC has a magical winter atmosphere.

Mammoth Lakes, California

Mammoth Lakes is one of California's premier ski resorts, known for its extensive ski slopes and deep snow. It’s perfect for outdoor enthusiasts who enjoy skiing, snowboarding, and exploring in a stunning mountain environment.

International Destinations

Queenstown, New Zealand

Although it’s summer in the Southern Hemisphere during the Northern Hemisphere winter, Queenstown's snowy mountains and cozy vibe make it an ideal year-round destination. The region is renowned for adventure sports, which you can enjoy during its winter season.

Vienna, Austria

Vienna comes alive in winter, offering elegant Christmas markets, classical concerts, and beautiful palaces. The city's imperial architecture is especially picturesque when covered in snow, and you can warm up with delicious hot chocolate or mulled wine.

Lapland, Finland

Lapland is a true winter wonderland, home to the indigenous Sámi people and the magical home of Santa Claus. The snowy forests, reindeer rides, and northern lights make it a dream destination for those seeking adventure and enchantment.

Zermatt, Switzerland

Zermatt is one of the most iconic ski resorts in the world, offering breathtaking views of the Matterhorn. The town has a car-free policy, ensuring a serene and pristine atmosphere. Beyond skiing, visitors can enjoy luxurious resorts, snowshoeing, and the famous Gornergrat Railway.

Looking to travel this winter? We recommend checking out these awesome destinations. Experience the arts, outdoor sports, and iconic tourist stops that will create amazing stories and lifelong memories!

Winter Prep for a Seamless Spring

LOOKING Forward

LIFESTYLE

Spring is around the corner and your home needs a touch up. The winter snow prevents many of us from being able to maintain the constant upkeep your home requires. To get your home ready for the spring, we suggest following these helpful tips that will prepare, restore, and maintain your home to its fullest potential!

Exterior Maintenance

The long winter can do a lot of damage to the outer part of your home. With snow covering the exterior, even basic maintenance can be difficult to accomplish and many chores are pushed off until the spring. To ensure your home is well maintained (for the spring season to come), you’ll want to clean your gutters, inspect and repair roof shingles, wash and reseal your windows, and tidy up your outdoor furniture by cleaning and removing debris.

Interior Cleaning

With the spring air being filled with pollen and other dust particles, it’s important to clean out your air filters to prevent it from coming into your home. In accordance with this,

you should also be sure to dust and vacuum your air vents. You’ll also want to test your smoke detectors and declutter the inside of your home, getting rid of old winter gear and getting a head start on your spring cleaning.

Appliance Maintenance

Maintaining common household appliances will get your home ready for the seasonal changes ahead. With the weather getting warmer, it is recommended to have your air conditioning unit serviced so that it runs in tip top condition. You will also want to clean out the dryer vent on your drying machine to remove lint build up and prevent potential fire hazards.

Foundation Check

After a cold, wet winter you'll want to ensure the foundation of your home is stable and up to par. Have a professional look at the foundation of your walls for cracks and signs of moisture. This will let you know if resealing is something that needs to be done. If you have a basement, look for potential water damage that may have been left behind from any snow that may have seeped through.

Curb Appeal

Now that the essentials are taken care of, it’s finally time to work on the cosmetics of your home. This includes landscaping, cleaning, and repainting of the property to make it look as pristine as the day it was built. Trim the bushes, pull the weeds, cut the trees, and plant some refreshing flowers to bloom in the spring.

By following these steps, your home will be well-prepared for the upcoming spring season! Your home requires constant maintenance and staying on top of it will save you a ton of money in the long run!

Janice Utke and Jenna Biancavilla

What challenges in the financial industry for women did you see that made you want to start Svvy®?

My sister and I launched Svvy® driven by a profound realization: the financial world often fails to protect women. Time and again, we saw women—friends, family, and clients—fall prey to predatory investment sales tactics. These weren’t just numbers on a spreadsheet; they were life savings, dreams, and futures wiped out by the sector's high-commission culture.

The impact hit close to home, fueling our determination to disrupt the status quo. We envisioned a platform where women could take charge of their financial decisions without fear of manipulation, deceit, or pressure. Svvy® was born from this vision—a secure space where women can feel confident, empowered, and fully in control of their financial futures.

Our mission is bigger than finance; it’s about positively changing lives and ensuring that no woman faces these challenges alone. Together, we’re revolutionizing the industry— one informed, empowered decision at a time.

How do you believe financial advice for women differs from advice for men, and how does your website address this?

Financial advice for women often requires a more personalized and trust-focused approach compared to men. Women frequently seek a deeper connection with their financial advisors, valuing honesty, trustworthiness, and open communication.

Svvy® addresses these nuances by thoroughly vetting advisors to ensure they deliver equitable, high-quality service, and ensure they are equipped to provide the trustworthy professional guidance women deserve. Getting

In an industry historically dominated by men, women have long faced unique challenges in securing trustworthy financial advice. Recognizing this gap, Geneva Financial Branch Manager Jenna Biancavilla and her sister Svvy®, a platform designed to empower women in managing their financial futures. In this interview, we dive into the motivations behind Svvy®’s creation, the challenges faced by women in finance, and the innovative approach the platform takes to ensure that women receive the respect, trust, and personalized guidance they deserve.

started is easy, women can take a short, simple quiz on our site and be matched— for free—with advisors who understand their unique needs.

What kind of financial content does Svvy® advise on?

Svvy® is redefining how women connect with trusted financial advisors. While we don’t provide direct financial advice, we empower women by offering educational content and doing the heavy lifting of vetting financial professionals. Our platform simplifies the often-daunting process of finding a trustworthy advisor, ensuring our users feel supported every step of the way.

As a women-founded platform, we’re committed to uplifting women at every level. That’s why we exclusively hire US-based female interviewers to thoroughly vet advisors before they’re approved to join the Svvy® network. This meticulous process guarantees that the advisors we recommend align with our mission of trust, transparency, and empowerment.

The women who trust Svvy® are busy professionals, caretakers, moms, and entrepreneurs who value having a reliable partner in their financial journey. By connecting them with pre-screened, dependable advisors, we enable them to confidently jumpstart the next phase of their financial future—with ease and peace of mind.

Who is your primary target audience on the website? Are you focused on any specific age groups or financial stages?

Our primary audience includes women who are actively navigating significant financial decisions and have the resources to benefit from professional financial guidance. This includes women who are new to investing and those who have experienced life changes such as a career change, birth of a child, divorce, nearing retirement, loss of a loved one, or inheritance. Women also use the Svvy® platform when looking to transition to a new financial advisor to guide them through the next phase of their financial journey. While we aim to support women at various stages of their financial lives, our current focus is on serving those who are ready to take an active role in growing their wealth.

What were some of the biggest challenges you faced when creating this website?

Building a custom web-app matching algorithm is an exciting yet complex journey. One of our biggest challenges was finding the right people and partners to bring our vision to life. We initially tried working with contractors and remote teams but quickly realized that Svvy® needed a passionate, dedicated team with whom we could build strong relationships, share a unified vision, and grow together.

This realization led us to refocus our strategy on assembling a core team locally in Phoenix, Arizona including individuals who truly understand and value our mission. This shift enabled closer collaboration and resulted in partners who are as deeply invested in Svvy’s success as we are.

How do you handle skepticism from people who might feel that financial advice should be generalized rather than gender-specific?

At Svvy®, we believe financial advice should be equal and customized for everyone, but we recognize that women have historically been underserved and often face unique challenges in this space. That’s why we’re passionate about ensuring women receive the attention, respect, and trustworthy advice they deserve. Our platform connects women with advisors who prioritize their client’s best interests, building honest, personalized, and ethical relationships— empowering women to make confident financial decisions with the support they need every step of the way.

What is one piece of financial advice you think every woman should hear, regardless of her background or financial knowledge?

As women, our instinct to seek guidance and feedback is one of our superpowers, not a weakness. Whether you're

just beginning your financial journey or you’re facing the most significant financial challenge yet, you deserve the support of an ally who genuinely cares about your goals and is invested in your success.

What role do you believe financial literacy plays in women’s empowerment?

Empowerment doesn’t begin with mastering financial literacy—it starts the moment you step off the sidelines and take an active role in your financial journey. Like any skill, financial literacy develops gradually through learning, practice, and meaningful conversations. Taking that first step—whether it’s seeking advice, opening a dialogue, or partnering with someone you trust—is a bold act of courage and self-care.

It’s not about having all the answers from the start; it’s about trusting yourself to begin. Each small step you take builds confidence, independence, and momentum, bringing you closer to the financial future you envision. Empowerment isn’t about a final destination—it’s about showing up for the journey and believing in your ability to grow and succeed

How do you envision the future of financial advice for women? What trends do you see shaping this space?

With the Great Wealth Transfer to Women already underway, we’re seeing a significant shift in financial dynamics. By 2030, women are projected to control $30 trillion in financial assets.

As women take on more financial power, their expectations for financial professionals are also evolving. We see a growing demand for better service, transparency, personalized guidance, and respectful, informative conversations.

Our mission is to revolutionize the financial sector and eliminate predatory sales practices by empowering women with the knowledge to make informed financial decisions. We look forward to partnering with other institutions and adopting new technology to disrupt the old commission-focused tactics and pave a new standard.

Additionally, our plans include expanding our expert base beyond advisors to include other professionals such as mortgage loan originators, insurance agents, CPAs, real-estate professionals, lawyers, and more. Our focus will remain on providing women with a safe and supportive space to connect with professionals who genuinely want to help them succeed. The wealth transfer to women presents an incredible opportunity, and we’re excited to play a part in shaping this new era of financial empowerment.

As the financial landscape continues to evolve, Svvy® remains at the forefront of this shift, committed to providing women with the tools, resources, and support they need to make confident financial decisions. With a clear focus on empowerment, transparency, and education, Svvy® is helping to shape a future where women are not only financially literate but also fully in control of their financial destinies.

How do you see Svvy® evolving in the next 5–10 years?

2025

COLORS

of the YEAR

Colors are not just pigments; they are powerful storytellers, shaping the mood and functionality of a space. When thoughtfully combined, the 2025 Colors of the Year from Pantone, BEHR, Sherwin-Williams, and Glidden create a symphony of shades that cater to every design sensibility. From the grounded vitality of Pantone’s choice to BEHR’s restorative palette, SherwinWilliams’ timeless elegance, and Glidden’s vibrant energy, there is a hue for every home and every story.

Sprinkle these hues throughout your home with carefully curated decor pieces. Consider a velvet sofa in Pantone’s shade, terracotta planters that echo BEHR’s earthy tone, or sleek side tables painted in Sherwin-Williams’ timeless color. Add a playful touch with Glidden-inspired throw pillows or art prints.

As you embark on your design journey, let these colors guide you in creating spaces that are as dynamic and multifaceted as the year ahead. Whether you’re seeking serenity, sophistication, or spontaneity, the right color can turn your house into a home and transform your living space into a canvas of possibilities.

COVER STORY

Pantone has selected Mocha Mousse (Pantone 171230) as its 2025 Color of the Year. This mid-tone brown exudes sophistication and warmth, reminiscent of rich chocolate and freshly brewed coffee. Leatrice Eiseman, Executive Director of the Pantone Color Institute, describes it as "sophisticated and lush, yet at the same time an unpretentious classic."

In the Home: Mocha Mousse serves as a versatile neutral, providing a grounded backdrop that complements various design styles. Consider using it on accent walls to create a cozy atmosphere in living rooms or bedrooms. Pair it with cream or ivory furnishings to balance its depth, or introduce metallic accents for a touch of modern elegance.

Relaxed Elegance

PANTONE 17-1230 Mocha Mousse

PANTONE'S COLOR OF THE YEAR:

COLOR PALETTE Mocha Mousse

BEHR introduces Rumors, a deep ruby red that reimagines luxury with a bold twist. Erika Woelfel, BEHR's Vice President of Color and Creative Services, notes that this color "combines sophistication with boldness, suitable for both interiors and exteriors."

In the Home: Rumors can add depth and drama to any space. Use it to create a statement wall in dining areas or as a striking backdrop in a study. This hue pairs beautifully with warm neutrals and can be complemented by gold or brass accents to enhance its luxurious appeal.

2025 COLOR TRENDS

BEHR'S COLOR OF THE YEAR:

Rumors

COLOR OF THE YEAR:

Color Capsule

Celebrating their 15th anniversary of Color of the Year announcements, Sherwin-Williams presents a curated Color Capsule featuring nine harmonious shades. This collection includes hues like Grounded, a warm beige; Mauve Finery, a muted mauve; and Rain Cloud, a deep, moody blue.

In the Home: This versatile palette allows for cohesive design throughout the home. For instance, Grounded can serve as a neutral base in common areas, while Mauve Finery adds a touch of elegance to bedrooms. Rain Cloud can be used to create a dramatic effect in spaces like the home office

GLIDDEN'S COLOR OF THE YEAR:

Purple Basil

Glidden's Purple Basil is a captivating deep purple that blends warmth and energy. This hue invites homeowners to embrace the transformative power of color in their spaces.

In the Home: Purple Basil works well as an accent color, bringing a sense of luxury and depth. Consider using it on cabinetry or as a feature wall in living rooms. It pairs elegantly with soft grays and taupes, and can be accented with metallic finishes for a contemporary look.

Benjamin Moore introduces Cinnamon Slate, a delicate mix of heathered plum and velvety brown. This nuanced color brings a smooth familiarity to any design.

In the Home: Cinnamon Slate adds warmth and sophistication to interiors. It's ideal for creating cozy reading nooks or intimate dining spaces. Pair it with soft textiles and natural materials to enhance its inviting quality.

BENJAMIN MOORE'S COLOR OF THE YEAR:

2025 COLOR TRENDS

Incorporating these Colors of the Year into your home can rejuvenate your spaces, reflecting contemporary trends while infusing your environment with personal expression. Whether through bold statements or subtle accents, these hues offer a canvas of possibilities for the discerning homeowner.

Stained Glass PPG1165-6

Eagle Eye PPG1014-6

Gray Heron PPG1033-5

Graham & Brown Opulence Amethyst Curtains

Purple Basil PPG1046-7

Stained Glass

DESIGN/DIY

EMBRACE THE CHILL

Trending Winter Home Decor for 2025

As the days grow shorter and the temperature drops, winter brings with it the perfect opportunity to refresh your home with cozy, inviting decor. 2025 winter trends in home decor reflect a shift toward sustainable, minimalist, and highly personalized spaces that balance warmth with elegance. With a focus on comfort, natural materials, and playful yet calming color palettes, this year’s trends are designed to make your home feel like a tranquil retreat from the cold. Here’s a look at the top decor trends to embrace this winter season:

1. Warm Earth Tones: Nature's Comfort Indoors

While winter typically evokes thoughts of crisp whites and icy blues, 2025 is ushering in a more grounded, earthy color palette. Warm earth tones, such as deep terracotta, mustard yellows, forest greens, and rich browns, are taking over living rooms, bedrooms, and even kitchens. These tones are designed to create an inviting atmosphere that contrasts with the cold, helping to bring nature indoors.

According to Pantone Color Institute, warm, earthy hues have been making waves across various design fields, offering both comfort and depth in interior spaces. These colors provide a soothing backdrop for winter gatherings and allow for more personalized, intimate spaces.

Pro Tip: Combine earthy tones with natural textures like wool throws, linen cushions, and wood accents for a truly cozy vibe.

2. Sustainable and Eco-Conscious Decor

With an increasing awareness of environmental impact, sustainability has become a driving force in 2025’s winter decor. Consumers are choosing furniture and accessories made from recycled, upcycled, and organic materials. This includes reclaimed wood furniture, upcycled glassware, and textiles crafted from sustainable sources like hemp, bamboo, and organic cotton.

Eco-friendly decor isn’t just about materials, but also the longevity of the items. The rise of investment in timeless, durable pieces that don’t go out of style is part of this trend. Focusing on pieces that can be passed down or repurposed over time reflects a more thoughtful and sustainable approach to winter decorating.

Pro Tip: Look for candles made from soy or beeswax and eco-friendly wall art crafted from recycled materials to infuse your home with a sustainable glow.

3. Textural Contrast: Layering for Coziness

As we head into the chillier months, textures become a crucial element of winter decor. Layering different materials adds visual interest and tactile comfort to your living spaces. The trend of mixing contrasting textures—such as velvet, shearling, wool, and leather—continues to grow in popularity.

Incorporating tactile fabrics like velvety throw pillows, soft wool blankets, and fluffy shearling cushions on chairs or sofas creates an indulgent, layered feel. These textures not only enhance the cozy factor but also add a sense of luxury to your home’s winter aesthetic.

Pro Tip: Don't shy away from mixing unexpected materials. A plush velvet sofa paired with a rugged wooden coffee table or a wool throw on a leather armchair can create a stylish and cozy combination.

4. Statement Lighting: Illuminating the Dark

With longer nights, lighting becomes an integral part of winter decor. In 2025, statement lighting fixtures that make an impression while creating an ambient, warm glow are all the rage. Think oversized chandeliers, sculptural pendant lights, and sleek, minimalist lamps that create dramatic focal points.

Soft, warm lighting that mimics natural light will help combat the winter blues and set a calming mood throughout the home. LED candles, Edison bulbs, and dimmable fixtures allow for versatility and control over the ambiance in various spaces.

Pro Tip: Layer multiple sources of light in each room to create warmth and depth— try a combination of floor lamps, table lamps, and overhead lighting to enhance the atmosphere.

5. Winter Botanicals and Greenery

While winter months can feel barren, 2025’s winter decor celebrates the beauty of life in the coldest months. Indoor plants and greenery are gaining popularity, with choices like evergreen branches, potted houseplants, and succulents making their way into homes. These winter botanicals not only add color and life to your home but can also help purify the air, contributing to a healthier indoor environment.

Incorporating real or artificial plants in your decor allows you to maintain a connection to nature even as the outdoor world remains dormant. Potted plants in beautiful, textured pots can be a perfect addition to window sills, coffee tables, or entryways.

Pro Tip: Opt for plants like the snake plant or peace lily, known for their hardiness and ability to thrive indoors, even in low light conditions.

6. Minimalist and Modular Furniture

The minimalist aesthetic continues to thrive in 2025, with an emphasis on functionality and simplicity. Modular furniture pieces that can be easily rearranged are ideal for creating adaptable spaces for winter. Think of versatile couches that can be rearranged, foldable dining tables, or multifunctional storage units that reduce clutter and optimize space.

This trend also extends to the use of minimalist designs in cabinetry and shelving—sleek, uncluttered designs that blend seamlessly with the home’s architecture, giving a nod to Scandinavian simplicity. The focus is on creating serene, unpretentious environments that allow for relaxation and contemplation during the colder months.

Pro Tip: Choose furniture that offers both form and function—consider modular sofas, stackable side tables, and storagefriendly seating to create a flexible and peaceful living environment.

7. Warm, Reflective Metals

Another trend sweeping winter decor in 2025 is the use of warm metals, including brushed gold, copper, and brass. These reflective surfaces add a bit of sparkle and shine to an otherwise muted color palette. Whether used in lighting fixtures, mirrors, or small decorative accents, warm metals bring a sophisticated touch to winter spaces.

Unlike the cool silvers of the past, these metals provide a sense of warmth that complements the season’s earth-toned palette. Whether integrated into furniture details, accents, or as large statement pieces, they create a welcoming environment that's both chic and functional.

Pro Tip: Consider investing in statement metal pieces like a gold-framed mirror, brass candlesticks, or copper planters for a stylish touch.

Winter 2025 home decor trends blend comfort with creativity, creating spaces that invite relaxation while providing opportunities for self-expression. From embracing warm, earthy colors and sustainable practices to incorporating cozy textures and statement lighting, these trends reflect a growing desire for homes that are both beautiful and functional. So, as the chill sets in, embrace the season with thoughtful and stylish decor choices that will warm your home and spirit all winter long.

DIY Bath Bombs A Fun and Relaxing Craft for All

DESIGN/DIY

Essential Ingredients

Here’s what you’ll need to create your bath bombs:

• Baking soda (1 cup): The base for that satisfying fizz.

• Citric acid (1/2 cup): Activates the fizzing reaction.

• Cornstarch (1/2 cup): Creates a silky texture and slows the fizz for a relaxing soak.

• Epsom salt (1/2 cup): Soothes sore muscles and enhances relaxation.

• Carrier oil (2 tbsp): Coconut oil, almond oil, or jojoba oil for skin nourishment.

• Essential oils (10-15 drops): Add calming, invigorating, or energizing scents.

• Food or natural coloring (optional): Create vibrant, colorful bombs.

• Witch hazel or water (1-2 tsp): Binds the mixture together.

Transform your bath time into a luxurious, spa-like experience with homemade bath bombs! These fizzy delights are easy to make and allow for endless creativity in scents, colors, and added benefits. Whether you’re treating yourself or crafting gifts for loved ones, DIY bath bombs are a rewarding project that everyone will enjoy.

Why Make Your Own Bath Bombs?

Store-bought bath bombs can be pricey and often contain synthetic ingredients. By making your own, you can:

• Customize scents and colors.

• Use skin-friendly, natural ingredients.

• Save money while enjoying a creative craft.

What You’ll Need

• A large mixing bowl

• A whisk or spoon

• Measuring cups and spoons

• Molds (bath bomb molds, silicone molds, or muffin tins)

• Spray bottle (for even moisture application)

How to Make Bath Bombs

1. Prep Your Dry Ingredients

In a large mixing bowl, combine the baking soda, citric acid, cornstarch, and Epsom salt. Whisk thoroughly to ensure there are no lumps.

2. Blend the Wet Ingredients

In a small bowl, mix the carrier oil, essential oils, and food coloring (if using). Stir well to combine.

3. Combine Wet and Dry Mixtures

Slowly pour the wet ingredients into the dry mixture, whisking constantly. The texture should resemble damp sand—moist enough to hold its shape when pressed. If it feels too dry, lightly mist the mixture with witch hazel using a spray bottle, mixing as you go.

4. Mold the Mixture

Pack the mixture tightly into your molds, pressing firmly to ensure a solid shape. If using a round mold, slightly overfill each half before pressing them together. Remove any excess around the edges.

5. Let Dry

Allow your bath bombs to dry in the molds for at least 24 hours. Once hardened, carefully remove them from the molds and let them air-dry for an additional 24 hours.

Customizing Your Bath Bombs

• Soothing Add-Ins: Add dried herbs or flowers like chamomile, rose petals, or lavender for a luxurious touch.

• Colors and Patterns: Layer different colors for a striped effect or swirl colors for a marbled design.

• Skin Boosters: Add a teaspoon of shea butter or a pinch of oatmeal for added skin hydration.

Tips for Success

• Work quickly when combining ingredients to prevent premature fizzing.

• Use gloves if working with vibrant colors to avoid staining your hands.

• Store bath bombs in an airtight container to maintain their fizz.

Enjoy Your Bath Bombs!

To use your handmade bath bombs, simply drop one into warm bathwater and watch it fizz, releasing its delightful aroma and nourishing ingredients. Light some candles, grab a book, and enjoy the ultimate relaxation experience.

DIY bath bombs are more than just a craft—they’re a way to bring a little extra joy and self-care into your day. Happy crafting!

Winter is a time of cozy gatherings, peaceful nights by the fire, and the festive spirit of the holidays. As days grow shorter and temperatures drop, there’s no better way to set the tone for the season than by infusing your home with warm, inviting fragrances. Winter scents not only evoke a sense of comfort but also enhance the magic of the season. Here’s how you can fill your home with the best winter fragrances, making it feel like a winter wonderland indoors.

EMBRACE WARM, COMFORTING SCENTS

Winter is synonymous with warmth and coziness, so start by choosing fragrances that make you feel snug and at home. Smells like cinnamon, clove, and vanilla are timeless winter scents that will remind you of winter's past and happy holiday memories. You can also utiliza scents like gingerbread, sugar cookies, and bread to give your home the sweet smell of baked goods!

CREATE A FESTIVE ATMOSPHERE WITH HOLIDAY SCENTS

The holiday season brings with it a whole range of scents that are synonymous with celebration and cheer. Fragrances like pine and fur will delight your guests and make your home feel like you’re outdoors, taking in the nature around you. Other scents like mulled wine are often associated with winter gatherings. Combined with the proper spices, your home will be filled with the warm, spicy scent.

ADD A TOUCH OF WOODSY ELEGANCE

Woodsy scents are perfect for creating a cozy, inviting environment that feels grounded and peaceful. Cedarwood and sandalwood provide rich, earthy scents and add a sense of elegance to your winter decor. The crackle of the fireplace invokes winter memories. The crackling fireplace evokes warm winter memories.

EVOKE THE SPIRIT OF THE HOLIDAYS WITH FRUITY SCENTS

Winter fruits often bring out the essence of the season’s festivities. Their sweet and tart aromas can blend beautifully with the richer, warmer spices of winter. Citrusy scents like orange, lemon, and grapefruit create an uplifting aroma and bring brightness to the cold winter days. Fruits like cranberry and pomegranate are also festive to the season, making them a perfect fit for winter decor!

DIY WINTER SCENTS FOR A PERSONAL TOUCH

If you’re looking to get creative and craft your own signature winter fragrance, try DIY options to infuse your home. Simmer pots let you choose your own winter scents, making your own personal aroma. You can also blend your own essential oils. Using scents like frankincense, pine, cinnamon, can be combined with peppermint and eucalyptus for a crisp, refreshing atmosphere.

Winter fragrances are an easy way to infuse your home with warmth, comfort, and festivity during the colder months. Whether you prefer the spicy, cozy aromas or fresh and woody, there’s a fragrance for every winter occasion!

Easy Knitted & Crocheted Blankets

DESIGN/DIY

for Beginners

Blankets are more than just functional items, they’re a cozy expression of your personal style, a source of warmth, and a perfect project for DIY enthusiasts. Whether you're looking to create a thoughtful gift, add a personal touch to your living space, or unwind with a relaxing craft, making your own knitted or crocheted blanket is the perfect beginner-friendly project. Here’s how to get started!

What You’ll Need

Before you begin, gather the following basic supplies:

• Yarn: For beginners, we recommend bulky or super bulky yarns because they are thicker and easier to work with. Choose a soft yarn that suits your personal style. Acrylic yarn is a great, budget-friendly option, but cotton, wool, or a blend can also work well.

• Needles or Hook: If you're knitting, you’ll need knitting needles that correspond to the thickness of your yarn. For crochet, a large crochet hook (size H-8 or larger) will work best for thick yarn.

• Scissors: For cutting your yarn at the end.

• Tapestry Needle: To weave in the ends once you're done.

Why Knitted or Crocheted Blankets?

Before diving into the “how-to,” let’s talk about the benefits of making your own blanket. Not only do handmade blankets provide a sense of accomplishment, but they also allow for complete control over color, texture, and design. Plus, working with yarn is a soothing, stress-relieving activity. Whether you prefer knitting or crocheting, both methods result in beautiful, functional pieces that will keep you warm throughout the year.

Step 1: Choose Your Technique

Knitting or Crocheting? Both methods result in beautiful blankets, but they each offer a unique experience. If you’re new to both, knitting may feel more intuitive with its back-and-forth motions, while crocheting offers more freedom in the way the stitches are formed.

• Knitting: Involves creating interlocking loops of yarn on two needles The technique is often faster and produces a more uniform, stretchable fabric.

• Crocheting: Uses a single hook to make loops, resulting in a fabric that is often thicker and more textured than knitting.

For this beginner project, we’ll break down both techniques to make your decision easier.

Step

2: Choose a Simple Stitch Pattern

Knitting: The Garter Stitch

The garter stitch is the perfect choice for beginners, as it’s one of the simplest and most straightforward patterns in knitting. To create a garter stitch, all you need to do is knit every row. The result will be a soft, textured fabric that is perfect for blankets.

How to Knit the Garter Stitch:

1. Cast on an even number of stitches (about 30-40 stitches for a small lap blanket).

2. Knit every row (K1 in every stitch across).

3. Once you reach your desired length (typically between 40-60 inches), bind off.

Crocheting: The Basic Double Crochet

For crochet, the double crochet stitch is the easiest and most common stitch used for blankets. It’s slightly taller than single crochet, which makes it a great option for a thicker, faster blanket.

How to Crochet the Basic Double Crochet:

1. Start with a foundation chain (about 60-80 chains for a small throw blanket).

2. Yarn over and insert your hook into the 4th chain from the hook.

3. Yarn over again and pull through (3 loops on the hook).

4. Yarn over and pull through the first two loops.

5. Yarn over and pull through the remaining two loops.

6. Repeat the process across the row.

7. Turn your work and crochet in rows, adding a double crochet stitch into each stitch from the previous row.

Repeat this process until your blanket reaches your desired size.

Tips for Success:

Step 3: Create Your Blanket

Knitting Your Blanket:

Once you’ve mastered the garter stitch, it’s all about consistency. Keep knitting each row and check your work frequently to make sure you’re staying on track. When you’re ready to change colors, simply add in the new color of yarn and continue knitting in the same way. To finish, bind off your stitches, and use your tapestry needle to weave in any loose ends.

Crocheting Your Blanket:

If you’re crocheting, keep going row by row, always adding double crochet stitches into each stitch from the previous row. Don’t worry about perfection, crochet blankets often have a slightly organic feel, which is part of their charm. To finish, simply cut your yarn and weave in the ends with your tapestry needle.

Step 4: Add Some Personal Touches

Once your blanket is completed, it’s time to add any personal touches that reflect your style! Consider these options:

• Fringed Edges: Add a fringe border by cutting yarn into small pieces and tying them through each stitch along the edge of your blanket.

• Color Blocks: Add stripes or blocks of color for a modern, geometric look. Change colors as you go or use a gradient effect for a more subtle, ombre design.

• Embroidery: Personalize your blanket by stitching small designs, initials, or patterns in one corner using a contrasting color of yarn.

Step 5: Enjoy Your Handmade Blanket!

Once your blanket is finished, you can’t help but feel proud of your creation. These blankets can serve as cozy additions to your living room, an elegant touch to your bed, or a thoughtful gift for a loved one. There's nothing more satisfying than cuddling up with a blanket that you made with your own hands, knowing that each stitch is infused with care and creativity.

• Choose the Right Yarn: Experiment with different types of yarn to see what feels best for you. Bulky yarn works well for beginners, but once you gain confidence, you can try lighter weight options like worsted or DK yarn for a more delicate feel.

• Practice Your Tension: In crochet and knitting, it’s important to keep your tension even. If your stitches are too tight, your blanket might turn out stiff. If they’re too loose, it could result in a floppy, uneven fabric.

• Use Stitch Markers: If you're new to crochet or knitting, stitch markers can help you keep track of your rows and stitches.

Knitted and crocheted blankets are the perfect DIY project for beginners who want to add a cozy, personalized touch to their home. Whether you're knitting in a simple garter stitch or crocheting with double crochet, the process is all about enjoying the craft and creating something special. So gather your supplies, pick up your needles or hook, and embrace the chill with your very own handmade blanket.

Will They Hear Me Now?

Author: Kathy Colkitt

Meet Kathy Colkitt, Author and Advocate for Change

Transforming Tragedy into Purpose

In the face of immense personal tragedy, some find strength not only to heal but to become a force for change. Kathy Keppel-Colkitt, a Branch Manager at Geneva Financial, embodies that resilience and determination. Following the heartbreaking loss of her daughter, Brandi, to cancer—a loss that could have been prevented—Kathy turned her grief into action, advocating for greater awareness, education, and systemic improvements in the medical field.

A Mother’s Mission

Brandi's battle with cancer began with optimism. With a 95% cure rate for her specific diagnosis, hope was high. However, what should have been a journey to recovery turned into a devastating experience due to systemic failures, lack of proper communication, and the complexity of navigating medical care. Determined that no other family should endure the same heartache, Kathy authored Will They Hear Me Now?, a deeply personal and powerful book that sheds light on the cracks in the healthcare system while providing guidance for others facing similar challenges.

By sharing Brandi’s story, she hopes to spark a movement that empowers individuals to ask the right questions, demand transparency, and push for reforms in patient care.

A Leader in Business and in Life

Beyond her advocacy, Kathy is a respected leader at Geneva Financial. Her ability to lead with empathy and dedication extends beyond her personal mission, she brings the same passion to her work, fostering a culture of care and integrity. Her colleagues and clients alike recognize her as not just a financial professional, but as someone who genuinely invests in the well-being of those around her.

Kathy’s journey is a testament to the power of turning pain into purpose. Through her book, her advocacy, and her leadership, she is making an indelible mark on the world. Her story serves as an inspiration to all, reminding us that even in our darkest moments, we have the ability to ignite change and leave a lasting legacy.

Kathy encourages everyone to become advocates in their own right. Whether by educating themselves on their rights as patients or simply spreading awareness, every effort contributes to a larger wave of transformation.

HUMAN SPOTLIGHT

Comfort FOODS

SLOPPY JOES

INGREDIENTS:

1 tbsp. extra-virgin olive oil

1 medium yellow onion, chopped

1 red bell pepper, seeds and ribs removed, chopped

1/2 c. ketchup

2 cloves garlic, finely chopped

1 tbsp. chili powder

2 tbsp. apple cider vinegar

2 tbsp. yellow mustard

1 tbsp. brown sugar

1 tbsp. Worcestershire sauce

Kosher salt

Freshly ground black pepper

1 lb. ground beef

1 c. canned tomato sauce

6 hamburger buns, toasted

Serves 6 Method Stove Top 50 MIN

DIRECTIONS:

In a large skillet over medium-high heat, heat oil. Cook onion and bell pepper, stirring occasionally, until softened and slightly golden, 10 to 15 minutes

Add ketchup and cook, stirring occasionally, until color has darkened and ketchup is reduced to a thick paste, 7 to 10 minutes.

Add garlic and chili powder and cook, stirring, until fragrant, about 1 minute. Add vinegar, mustard, brown sugar, and Worcestershire sauce; season with salt and pepper. Cook, stirring frequently, until incorporated, about 1 minute more.

Increase heat to high and add ground beef. Using a fork, break apart beef until separated and no big lumps remain. Cook, stirring frequently, until browned, about 5 minutes.

Add tomato sauce and bring to a boil, stirring to combine. Let cool slightly; season with salt, if needed.

Divide beef mixture among buns and serve.

RECIPES

THE ORIGINAL MARRY ME CHICKEN

INGREDIENTS:

3 tbsp. extra-virgin olive oil, divided

4 (8-oz.) boneless, skinless chicken breasts

Kosher salt

Freshly ground black pepper

2 cloves garlic, finely chopped

1 tbsp. fresh thyme leaves

1 tsp. crushed red pepper flakes

3/4 c. low-sodium chicken broth

1/2 c. chopped sun-dried tomatoes

1/2 c. heavy cream

1/4 c. finely grated Parmesan

Torn fresh basil, for serving

DIRECTIONS:

Preheat oven to 375°

In a large ovenproof skillet over medium-high heat, heat 1 tablespoon oil. Generously season chicken with salt and black pepper and cook, turning halfway through, until golden brown, about 5 minutes per side. Transfer chicken to a plate.

In same skillet over medium heat, heat remaining 2 tablespoons oil. Stir in garlic, thyme, and red pepper flakes. Cook, stirring, until fragrant, about 1 minute. Stir in broth, tomatoes, cream, and Parmesan; season with salt. Bring to a simmer, then return chicken and any accumulated juices to skillet.

Transfer skillet to oven. Bake chicken until cooked through and juices run clear when chicken is pierced with a knife, 10 to 12 minutes.

Arrange chicken on a platter. Spoon sauce over. Top with basil.

RACHEL VANNI | PHILIP FRIEDMAN | www.delish.com

RECIPES

BEEF STROGANOFF

Serves 6

INGREDIENTS:

8 oz. extra-wide egg noodles

4 tbsp. unsalted butter, divided

1 lb. skirt steak

2 tsp. kosher salt, plus more

4 tbsp. all-purpose flour, divided

3 tbsp. neutral oil

8 oz. baby bella mushrooms, sliced

2 large shallots, thinly sliced

3 cloves garlic, finely chopped

1 tbsp. Dijon mustard

1 tbsp. tomato paste

1 tbsp. Worcestershire sauce

2 c. low-sodium beef stock

1/2 c. full-bodied red wine

1/2 c. sour cream

Chopped fresh parsley, for serving

Method Stove Top 60 minutes

DIRECTIONS:

In a large pot of boiling water, cook noodles, stirring occasionally, until al dente according to package instructions. Drain and transfer to a large bowl. Add 2 Tbsp. butter and toss to combine.

Meanwhile, slice steak with the grain into 2"-thick pieces. In a small bowl, mix salt and 3 Tbsp. flour. In a large, shallow pan over medium-high heat, heat oil until shimmering. Test an edge of a piece of steak; if the sizzle is aggressive, it's ready to go. Dredge steaks in flour mixture, shaking off excess. Cook, turning once, until deep golden brown, about 1 minute per side. Transfer to a cutting board.

In same pan over medium-high heat, combine mushrooms, 1 Tbsp. butter, and 1/4 c. water. Cook, stirring occasionally and scraping bottom of pan, until mushrooms are golden brown, 8 to 10 minutes; season with salt and stir to combine. Using a slotted spoon, transfer mushrooms to a plate.

Reduce heat to low. Cook shallots, 3 Tbsp. water, and remaining 2 Tbsp. butter, stirring occasionally, until shallots are caramelized and taste sweet, 10 to 15 minutes.

Add garlic and cook, stirring, until fragrant, about 1 minute. Increase heat to mediumhigh. Add mustard, tomato paste, and Worcestershire and cook, stirring, until paste is brick red, about 1 minute. Sprinkle with remaining 1 Tbsp. flour and cook, stirring, until flour is toasted, about 1 minute. Pour in stock and wine and bring to a boil. Cook, stirring occasionally, until slightly reduced, about 5 minutes. Transfer 1/2 c. sauce to a small bowl; stir in sour cream.

Thinly slice meat against the grain into 1/2" strips. Return steak and mushrooms to pan and toss to combine. Add sour cream mixture and noodles to pan and cook, tossing constantly, until sauce thickens and coats noodles, about 3 minutes; season with salt.

Divide beef stroganoff among bowls or plates. Top with parsley.

TATER TOT CHICKEN POT PIE

INGREDIENTS:

3 tbsp. unsalted butter

1 small or 1/2 large yellow onion, finely chopped

2 medium carrots, peeled, finely chopped (about 1 c.)

1 large stalk celery, finely chopped (about 1 c.)

3 cloves garlic, finely chopped

2 tsp. fresh thyme leaves

Kosher salt

Freshly ground black pepper

3 tbsp. all-purpose flour

2 1/2 c. low-sodium chicken broth

1/4 c. heavy cream

3 c. shredded rotisserie chicken

1 c. frozen peas

1 (32-oz.) bag frozen tater tots

Serves 8 Method Oven 1HR 10 MIN

DIRECTIONS:

Preheat oven to 375°.

In a large, high-sided skillet over medium heat, melt butter. Add onion, carrots, celery, garlic, and thyme; season with salt and pepper. Cook, stirring occasionally, until vegetables are softened, about 10 minutes. Add flour and cook, whisking frequently, until vegetables are coated, about 2 minutes. Slowly add broth, whisking frequently, and bring to a boil. Reduce heat to low, add cream, and cook, stirring occasionally, until slightly thickened, about 5 minutes more. Add chicken and peas and simmer until peas are warmed through, about 2 minutes more; season with salt and pepper, if needed.

Remove from heat. Arrange tater tots in a circular pattern over chicken mixture.

Bake pot pie until top is golden brown, 30 to 35 minutes.

Turn on broiler. Broil, watching closely, until tater tots are crisp and golden brown, 1 to 2 minutes.

INGREDIENTS:

3/4 c. seasoned bread crumbs

1 medium onion, chopped

2 large eggs, lightly beaten

1/3 c. minced fresh parsley

1 tsp. coarsely ground pepper

3/4 tsp. salt

2 lbs. ground beef

GRAVY:

1/2 c. all-purpose flour

2-3/4 c. 2% milk

2 cans (10-1/2 ounces each) condensed beef consomme, undiluted

1 tbsp. Worcestershire sauce

1 tsp. coarsely ground pepper

3/4 tsp. salt

Optional: 1/4 tsp. each ground allspice and ground nutmeg

NOODLES:

1 package (16 ounces) egg noodles

1/4 c. butter, cubed

1/4 c. minced fresh parsley

Serves 6 Method Stove Top 1 HR 10 MIN

DIRECTIONS:

In a large bowl, combine the first 6 ingredients. Add beef; mix lightly but thoroughly. Shape into 1-1/2-in. meatballs (about 36). In a large skillet over medium heat, brown meatballs in batches. Using a slotted spoon, remove to paper towels to drain, reserving drippings in pan.

For gravy, stir flour into drippings; cook over medium-high heat until light brown (do not burn). Gradually whisk in milk until smooth. Stir in consomme, Worcestershire sauce, pepper, salt and allspice and nutmeg if desired. Bring to a boil over medium-high heat; cook and stir until thickened, about 2 minutes.

Reduce heat to medium-low; return meatballs to pan. Cook, uncovered, until meatballs are cooked through, 15-20 minutes longer, stirring occasionally.

Meanwhile, cook noodles according to package directions. Drain; toss with butter. Serve with meatball mixture; sprinkle with parsley.

SWEDISH MEATBALLS

RECIPES

BEST-EVER FRIED CHICKEN

INGREDIENTS:

6 c. low-fat buttermilk, divided

1/4 c. sugar

2 cloves garlic, thinly sliced

4 tbsp celery seed, divided Kosher salt and pepper

1 5- to 6-lb whole chicken, cut into 10 pieces

2 c. all-purpose flour

1/2 tsp. cayenne

4 c. peanut or canola oil, for frying

DIRECTIONS:

In large bowl, whisk together 4 cups buttermilk, sugar, garlic, 2 tablespoons celery seed, and 1/2 cup salt. Add chicken and toss to coat. Cover and refrigerate 1 hour.

Meanwhile, in large bowl, whisk together flour, cayenne, 1 teaspoon salt, 1 tablespoon pepper, and remaining 2 tablespoons celery seed.

Attach deep-fry thermometer to large Dutch oven and heat oil on medium to 325°F. Place remaining 2 cups buttermilk in second bowl. Working with a couple of pieces at a time, remove chicken from marinade, letting excess drip off. Coat in flour, shaking off excess, then coat in buttermilk and then in flour once more. Shake off excess flour and add chicken to oil.

Fry chicken until golden brown and cooked through, 4 to 10 minutes depending on piece. Repeat with remaining chicken, adjusting heat to maintain oil temperature between 300°F and 325°F.

MIKE GARTEN |

RECIPES

https://www.southernliving.com

SHEPHERD'S PIE WITH SWEET POTATO MASH

INGREDIENTS:

SHEPHERD'S PIE:

1 1/2 lbs. boneless chuck roast, trimmed and cut into 2-in. cubes

4 carrots (12 oz.), sliced into 1/2-inch rounds

1 (8-oz.) pkg. sliced mushrooms

2 tsp. minced garlic

1 c. lower-sodium beef broth

1/4 c. tomato paste

1 tbsp. Worcestershire sauce

2 tsp. chopped fresh thyme

1 tsp. kosher salt

1/2 tsp. black pepper

6 tbsp. water

3 tbsp. all-purpose flour

2 c. frozen green peas, thawed

SWEET POTATO MASH:

2 1/2 lbs. sweet potatoes, peeled and cut into 1-inch pieces

2 oz. Parmesan cheese, finely shredded

6 tbsp. sour cream

1/4 c. (2 oz.) salted butter, softened

1/2 tsp. kosher salt

1/4 tsp. black pepper

DIRECTIONS:

Place beef cubes in a 5½- to 6-quart slow cooker. Top with carrots, mushrooms, and garlic.

Whisk together broth, tomato paste, Worcestershire sauce, thyme, salt, and pepper in a medium bowl. Add broth mixture to slow cooker; stir to combine.

Cover and cook on LOW until beef is tender, 6 to 8 hours. Remove lid, and skim off any fat from surface.

Whisk together water and flour in a small bowl until smooth; slowly stir into beef mixture. Stir in green peas. Increase heat to HIGH.

MAKE SWEET POTATO MASH: Place potatoes in a large saucepan, and cover with cold water. Bring to a boil over high, and boil until tender, about 12 minutes. Drain and return potatoes to pan. Add Parmesan, sour cream, butter, salt, and pepper; mash with a potato masher or electric mixer until smooth.

Top beef mixture evenly with Sweet Potato Mash. Cover and cook on HIGH until gravy has thickened and potatoes are heated through, 20 to 30 minutes.

PHILLY CHEESESTEAK PASTA

INGREDIENTS:

2 tbsp. neutral oil, divided

1 lb. skirt steak or rib eye, thinly sliced across the grain

1 tsp. Italian seasoning Kosher salt

Freshly ground black pepper

8 oz. cremini or white mushrooms, sliced

1 medium yellow onion, thinly sliced

1 green bell pepper, seeds and ribs removed, thinly sliced

1 red bell pepper, seeds and ribs removed, thinly sliced

4 cloves garlic, chopped

3 1/2 c. low-sodium beef broth

1 c. half-and-half

8 oz. cavatappi

6 oz. shredded provolone

Serves 4 Method Stove Top 1HR 10 MIN

DIRECTIONS:

In a large stainless steel skillet over medium-high heat, heat 1 Tbsp. oil and swirl pan to coat. In a large bowl, toss steak with Italian seasoning; season with salt and pepper. Arrange steak in a single layer in skillet and cook, undisturbed, until underside is browned, about 2 minutes. Stir and continue to cook, stirring occasionally, until no longer pink, 1 to 2 minutes more. Transfer steak to a large bowl.

Reduce heat to medium. In same skillet, cook mushrooms, stirring occasionally, until starting to brown, 8 to 10 minutes; season with a pinch of salt. Transfer to bowl with steak.

In same skillet over medium heat, heat remaining 1 Tbsp. oil. Add onion and bell peppers; season with salt. Cook, stirring frequently, until peppers are softened, 8 to 10 minutes. Add garlic and cook, stirring, until fragrant, about 1 minute more. Transfer to bowl with mushrooms and steak.

Increase heat to medium-high. Pour in broth, scraping any browned bits from bottom of pan. Stir in half-and-half and bring to a simmer. Add pasta in a single layer and return to a simmer. Cover and cook, stirring occasionally, until pasta is al dente and sauce is thickened, 10 to 12 minutes.

Stir in provolone until melted. Return beef mixture to skillet and toss until coated.

CREAMY BUTTERNUT SQUASH RISOTTO

Serves 6 Method Oven

HR

INGREDIENTS:

Cooking spray

Kosher salt

1 lb. spaghetti

2 Tbsp. extra-virgin olive oil

1 medium yellow onion, finely chopped

2 cloves garlic, finely chopped

1 lb. ground beef

1 tsp. Italian seasoning

Freshly ground black pepper

1 (28-oz.) can crushed tomatoes

1 (8-oz.) can tomato sauce

1/2 cup fresh basil leaves, chopped

2 cups shredded mozzarella

1/4 cup finely grated Parmesan

Chopped fresh parsley, for serving

DIRECTIONS:

Preheat oven to 350°.

Grease a 13" x 9" baking dish with cooking spray. In a large pot of boiling salted water, cook spaghetti, stirring occasionally, until al dente according to package directions. Drain and set aside.

Meanwhile, in a large skillet over medium heat, heat oil. Add onions and cook, stirring occasionally, until softened and translucent, about 7 minutes. Add garlic and cook, stirring, until fragrant, about 1 minute more. Add beef and Italian seasoning; season with salt and pepper. Cook, breaking up meat with a wooden spoon, until no longer pink, about 8 minutes.

Pour in crushed tomatoes, tomato sauce, and basil. Bring to a simmer and cook, stirring occasionally, until slightly reduced, about 10 minutes; season with salt and pepper.

Add pasta, toss to combine, and transfer to prepared dish. Top with mozzarella and Parmesan.

Bake until cheese is melted and pasta is warmed through, about 20 minutes. Top with parsley.

INGREDIENTS:

1 lb. ground beef chuck

Kosher salt and pepper

1/3 c. mayonnaise

8 thin slices rye bread

6 thin slices Swiss cheese

1 c. caramelized onions

6 thin slices American cheese

DIRECTIONS:

Shape beef into 4 thin patties slightly larger than slices of bread. Heat large cast iron skillet on medium-high. Season patties with ½ teaspoon each salt and pepper and cook 2 minutes per side; transfer to a plate.

Wipe out skillet and return to medium-low heat. Spread mayo on 1 side of each slice of bread. In 2 batches, place 2 slices bread mayo-side down in the skillet.

Top each with 1½ slices Swiss cheese, a beef patty, caramelized onions, 1½ slices American cheese, and second slice of bread, mayo-side up. Place small skillet (wrapped in foil) on top of sandwiches to press and cook until bread is golden brown and crisp, 3 minutes per side.

PATTY MELT

INGREDIENTS:

1 (14-oz.) can sweetened condensed milk

1 1/3 c. whole milk

1 (5.1-oz.) package instant vanilla pudding mix

3 c. heavy cream

1 tsp. pure vanilla extract

1 (12-oz.) box vanilla wafer cookies

4 bananas, sliced into coins

2 tsp. granulated sugar

BANANA PUDDING

DIRECTIONS:

In a large bowl, whisk condensed milk, whole milk, and pudding mix, breaking up any lumps. Refrigerate until set, about 5 minutes.

Meanwhile, in another large bowl, using a handheld mixer on medium-high speed, beat cream and vanilla until stiff peaks form, 2 to 3 minutes. Set aside half of whipped cream for serving. Fold remaining whipped cream into milk mixture.

Cover bottom of 3-quart trifle dish with wafers. Top with one-third of pudding mixture. Cover with another layer of wafers. Top with an even layer of banana slices. Continue to layer pudding, wafers, and bananas until you reach the top, ending with a final layer of pudding. Set aside remaining wafers for serving.

Refrigerate at least 3 hours or up to overnight. Add granulated sugar to reserved whipped cream and stir to combine. Dollop on top of banana pudding. Crumble reserved wafers, then sprinkle over pudding.

Serves 10 Method None 3 HR 25 MIN

RECIPES

CHOCOLATE BUNDT CAKE

INGREDIENTS:

CAKE:

Cooking spray

1 c. unsalted butter

Serves 12

1 c. freshly brewed strong coffee

3/4 c. Dutch-process cocoa powder

2 c. granulated sugar

2 c. all-purpose flour

2 tsp. baking soda

1 tsp. baking powder

1 tsp. kosher salt

2 large eggs, room temperature

1/2 c. sour cream

2 tsp. pure vanilla extract

GLAZE:

1 c. semisweet chocolate chips

2/3 c. (or more) heavy cream

1/2 tsp. pure vanilla extract (optional)

1 (4-oz.) chocolate bar, shaved (optional)

Method Oven

DIRECTIONS:

Preheat oven to 350°

CAKE:

2 HRS

Generously grease a 12-cup Bundt pan with cooking spray.

In a medium saucepan over medium heat, cook butter, coffee, and cocoa powder, stirring, just until melted and combined. Remove from heat and let cool.

Sift granulated sugar, flour, baking soda, baking powder, and salt into the large bowl of a stand mixer fitted with the paddle attachment. Beat on low speed until combined. With mixer still on low speed, slowly add butter mixture and beat until combined. Scrape bottom and sides of bowl and beat to incorporate. Add eggs one at a time, beating to combine after each addition. Add sour cream and vanilla and beat until well combined.

Pour batter into prepared pan; smooth top with a rubber spatula.

Bake cake until a tester inserted into the center comes out clean, 45 to 55 minutes. Let cool in pan 10 minutes, then invert onto a wire rack and let cool completely.

GLAZE:

Place chocolate in a medium heatproof bowl. In a small saucepan over medium heat, bring cream to a boil. Pour cream over chocolate. Let sit 1 minute, then whisk until smooth. If consistency is too thick, add 1 tablespoon cream. Whisk in vanilla (if using).

Transfer cake to a platter. Pour glaze on top, letting it drip down sides of cake. Let glaze set before serving. Top with chocolate shavings (if using)

RECIPES

THE BEST CRANBERRY APPLE CRISP

Serves 24

INGREDIENTS:

2 2/3 cups (320 g.) all-purpose flour

1 tsp. baking soda

1 tsp. kosher salt

1 1/4 c. unsalted butter, melted

3/4 c. packed light brown sugar

1/2 c. granulated sugar

2 large eggs

1 tsp. pure vanilla extract

1 c. semisweet chocolate chips

1 c. coarsely chopped chocolate wafers or discs (or from a bar), preferably 70% cacao or higher

Method Oven 4 HRS 30 MIIN

DIRECTIONS:

Preheat to 350°

In a medium bowl, whisk flour, baking soda, and salt until combined.

In a large bowl, whisk butter, brown sugar, and granulated sugar until combined and creamy. Add eggs and vanilla and whisk to combine. Add dry ingredients and stir with a rubber spatula until about halfway mixed in. Add chips and wafers and fold until just combined. Cover bowl with plastic wrap and refrigerate at least 4 hours and up to 24.

Let dough come to room temperature. Arrange racks in upper and lower thirds of oven. Using a large cookie scoop (about 3 Tbsp.), scoop dough onto 2-parchment lined baking sheets, spacing about 3" apart.

Bake cookies, rotating trays to top bottom halfway through, until edges are golden brown and just set and centers are almost set, 12 to 14 minutes. Transfer to a wire rack and let cool slightly.

INGREDIENTS:

CRUST:

2 c. finely crushed Oreos

6 tbsp. unsalted butter, melted

CHEESECAKE:

2 (8-oz.) blocks cream cheese, softened

1 c. creamy peanut butter

1 c. confectioners' sugar

1 tsp. pure vanilla extract

TOPPING:

3/4 c. semisweet chocolate chips

DIRECTIONS:

Line a 9"x9" pan with parchment, leaving a 2" overhang on 2 opposite sides.

In a medium bowl, mix Oreos and butter until combined. Pour into prepared pan and spread in an even layer, pressing with a measuring cup or spoon. Refrigerate until ready to use.

CHEESECAKE:

In a large bowl, using a handheld mixer on medium-high speed, beat cream cheese and peanut butter until smooth. Add confectioners' sugar and vanilla and beat until combined.

Spoon over crust and spread in an even layer. Refrigerate until well chilled, at least 2 hours or up to overnight.

TOPPING:

In a small heatproof bowl, microwave chips in 30-second increments, stirring between each, until melted and smooth.

Pour chocolate over cheesecake and spread in an even layer, working quickly so chocolate doesn’t harden. Refrigerate until chocolate is hardened, about 30 minutes.

Using parchment overhang, remove cheesecake from pan and cut into squares.

NO-BAKE BUCKEYE CHEESECAKE BARS

Fitness Apps

to Help You Stay on Track In 2025

Staying fit and healthy is more important than ever. Whether you're looking to lose weight, build muscle, improve your mental health, or just stay active, fitness apps have become an essential tool. There are more options than ever to help you achieve your goals, making it much more obtainable to accomplish this. Here are some of the top fitness apps to help you stay on track in 2025:

MyFitnessPal

MyFitnessPal continues to be one of the most popular fitness apps available. This app is ideal for those who want to track food and exercise, boasting a database of over 14 million foods.

Strava

Strava is a favorite app among runners, cyclists, and anyone who loves tracking their outdoor workouts. It’s great for logging activities, tracking metrics like pace, speed, elevation gain, and calories burned, and is compatible with many GPS devices.

8fit

8fit offers personalized workout plans based on your fitness level, goals, and preferences. The app includes both fitness routines and healthy meal plans, making it a great all-in-one option.

Nike Training Club

Nike Training Club (NTC) is a go-to for many fitness enthusiasts. It offers free, expert-led workout videos across a wide range of fitness categories, offering routines for all experience levels. It also lets you filter by workout type, duration, and intensity.

Headspace

Fitness isn’t just about the body—it’s also about the mind. Headspace is an excellent app for mindfulness and meditation, helping you reduce stress and improve mental well-being.

Aaptiv

If you prefer to work out with just audio cues, Aaptiv is a fantastic option that offers audio-based workouts for running, cycling, yoga, strength training, and more. With a personal trainer guiding you every step of the way, Aaptiv provides a seamless audio experience that lets you focus solely on your movements.

Fitbod

Fitbod is a top app for anyone who’s serious about building muscle and strength. Offering personalized workout plans, the app’s intelligent algorithm adjusts the difficulty of your workouts as you progress, ensuring that each session is challenging yet achievable.

Freeletics

Freeletics is a fitness app that uses AI to create personalized workout plans based on your goals, fitness level, and available equipment. It provides bodyweight exercises that can be done anywhere, making it ideal for home workouts.

Staying on track with your fitness goals is easier than ever with the variety of apps at the palm of your hand. Choose the app that best suits your goals and let it be your guide to a healthier, active 2025!

Travel Fitness How To Stay Fit on the Go

WELLNESS

Traveling gives you the opportunity to explore new areas, taking in different cultures and experiences in the process. Between eating out more than usual and being taken out of your normal routine, it can be difficult to stay on top of fitness goals with all the hustle and bustle of being on the road. Take advantage when you can and follow these helpful tips on how to stay fit when on the go!

Take the stairs

Get those extra steps in any chance you can. If you have the option to take the stairs instead of an elevator or escalator, go for it! This will help you burn the excess calories from your trip as well as getting your heart rate up and your blood pumping! It may take an extra minute or two to get where you’re going but it will be worth it in the long run.

Plan your meals

Plan out when and where you’ll eat your meals accordingly. This can give you an idea of the amount of calories you’ll be consuming, allowing you to plan your intake. Doing this also gives you the chance to look ahead at what your food options are so you can pick and choose healthier options!

Don’t overindulge

Eating out at different restaurants and trying new foods is expected while travelling. However, it’s important to do so in moderation and not over consume food that isn’t healthy for you and will excess your daily recommended calorie intake. Little tricks like substituting fries with salad and getting water instead of soda can go a long way to helping you stay on top of you dietary goals.

Bodyweight exercises

Do simple exercise like push ups, lunges, and squats in your hotel room to get a quick and easy workout in. You can do this in the morning before a busy day or when you get some down time in between activities. This will help get you energized and ready to take on the adventures for the day!

Stay hydrated

Drink plenty of water during your travels. This will help you feel more full and limit how much you eat during meals. It’s harder to stay on top of drinking water while traveling when you’re constantly moving around and are on vacation mode. Help your body and drink water throughout the day.

We hope these fitness tips help you stay on top of your new year's resolutions while travelling. This can be a fun and exciting time but it’s still important to take care of yourself and keeping up with your fitness goals!

Winter Fitness

Workouts for You and Your Pet

As temperatures drop, it’s tempting to hibernate indoors with your furry friend. However, winter is a great time to stay active together, keeping both of you healthy and energized. From indoor games to snowy adventures, here are fun and practical winter workout ideas for you and your pet.

Winter Walks and Hikes

Don’t let the cold keep you inside! Bundle up in warm layers and dress your pet in a cozy jacket or booties if needed. Explore nearby trails, parks, or neighborhoods to keep both of you moving. Snowy landscapes can turn your usual walk into a brand-new adventure.

Tip: Choose pet-safe, de-iced paths to protect your pet’s paws from harsh chemicals and ice burns.

Indoor Agility Training

Transform your living room into a mini agility course. Use furniture, cushions, and household items to create obstacles like tunnels, jumps, or weave poles. This keeps your pet physically active while challenging their mind.

Bonus: Join in by crawling or jumping through the course for a fun workout that improves your flexibility and coordination!

Tug-of-War and Indoor Fetch

If outdoor play isn’t an option, bring the fun indoors. A game of tug-of-war with a durable toy provides a workout for your pet and your arms. Alternatively, use a soft indoor ball or frisbee for a safe, engaging game of fetch.

Tip: Use a hallway to keep fetch contained and exciting.

Snow Playtime

If your pet enjoys the snow, take advantage of it! Build snow mounds for your pet to climb or toss snowballs for them to chase. Larger breeds might enjoy pulling a sled or running alongside you on snowshoes.

Caution: Keep sessions short and monitor for signs of cold stress, such as shivering or paw-lifting.

Interactive Toys and Puzzles

Engage your pet’s mind and body with interactive toys and puzzles. Treat-dispensing toys, snuffle mats, or hideand-seek games with their favorite toys are perfect for indoor fun.

For You: While your pet tackles their puzzle, fit in a quick workout—try squats, lunges, or planks!

Doga (Dog Yoga)

Pet-friendly yoga is a relaxing way to bond with your pet. Incorporate poses that allow your pet to interact, such as downward dog or seated poses where they can snuggle close.

Benefits: Doga helps you both de-stress, improve flexibility, and strengthen your bond.

Treadmill Training

A treadmill can be a great option for days when it’s too cold outside. Gradually introduce your pet to walking on the treadmill at a slow pace.

Safety First: Supervise your pet and start with short, slow sessions to ensure they’re comfortable.

Indoor Venues for Play

Many areas have pet-friendly gyms, dog parks, or indoor arenas. These spaces are perfect for frisbee, ball toss, or socializing with other pets while you enjoy your workout.

Dance Party

Turn up the music and dance with your pet! This playful activity will get your heart pumping and provide a fun way to burn calories. Pets, especially dogs, love joining the excitement.

Skijoring or Sled Pulling

If you’re adventurous and have an active dog, try skijoring (cross-country skiing with your dog pulling) or let them pull a lightweight sled. It’s an exhilarating way to enjoy the snow and give your pet a robust workout.

Considerations: Ensure your dog is the right breed and size for pulling activities and introduce the sport gradually.

Final Tips for Winter Workouts

• Warm Up and Cool Down: Ease into exercise to warm up your pet’s muscles.

• Stay Hydrated: Cold weather can be dehydrating, so always have water available.

• Watch for Signs of Overexertion: Adjust activities if your pet shows signs of tiredness or discomfort.

• Check Their Paws: Snow, ice, and salt can irritate paws clean them after outdoor play.

Staying active in winter not only strengthens the bond between you and your pet but also helps combat seasonal blues. With these fun workout ideas, you’ll both stay fit, happy, and ready for spring!

WINTER SKIN CARE

Protect and Hydrate for Healthy, Glowing Skin

As winter rolls in, the cold air and dry indoor heat can quickly dehydrate your skin, leaving it feeling tight, dull, and irritated. To maintain healthy, glowing skin throughout the season, it’s important to adapt your skincare routine to combat the harsher weather conditions. By making a few simple adjustments, you can protect and hydrate your skin, ensuring it stays soft, smooth, and radiant all winter long.

Upgrade Your Moisturizer

As the weather gets colder, switch to a thicker, cream-based moisturizer to help combat dryness. Look for products with hydrating ingredients like hyaluronic acid, ceramides, and shea butter. Applying your moisturizer right after washing your face or showering will help lock in moisture and keep your skin soft and smooth.

Hydrate from Within

Don’t forget to drink plenty of water, even when it’s cold outside. Staying hydrated helps your skin maintain its natural moisture balance. Incorporate hydrating foods like oranges, cucumbers, and soups into your meals to keep your skin healthy from the inside out.

Switch to Gentle Cleansers

Avoid harsh cleansers that strip your skin of its natural oils. Instead, opt for a gentle, hydrating cleanser that won’t leave your skin feeling tight and dry. Look for formulas that are sulfate-free and contain nourishing ingredients like aloe or glycerin.

Opt for Lukewarm Showers

Use a Humidifier

Indoor heating can dry out the air, making your skin feel parched. Adding a humidifier to your space helps replenish the air's moisture and prevents your skin from drying out.

Exfoliate Mindfully

Exfoliating helps remove dead skin cells but be careful not to overdo it during the winter. Exfoliate once a week using a gentle scrub or enzymebased exfoliant to keep your skin smooth and allow your moisturizer to absorb more effectively.

Don’t Skip Sunscreen

Even in winter, UV rays can damage your skin. Snow can reflect the sun's rays, increasing exposure, so don’t skip the sunscreen. Choose a broadspectrum SPF of at least 30 and apply it before heading outside, especially on sunny days.

Protect Your Lips and Hands

Lips and hands are particularly vulnerable to the harsh winter conditions. Always keep a hydrating lip balm and hand cream with you. Choose products with nourishing ingredients like beeswax, shea butter, or coconut oil to keep your lips and hands soft.

Hot showers may feel comforting, but they can strip your skin of its natural oils. Opt for lukewarm water instead and limit your shower time to keep your skin hydrated. Afterward, apply your moisturizer immediately to seal in moisture.

Nourish Skin with Diet

What you eat can have a big impact on the health of your skin. Include foods rich in omega-3 fatty acids, like salmon and walnuts, which help your skin retain moisture. Vitamin-rich foods, such as leafy greens, citrus, and berries, can also support your skin’s health.

Focus on a Consistent Routine

Consistency is key to maintaining hydrated, healthy skin in the winter. Stick to your skincare routine, listen to your skin’s needs, and adjust as necessary. With the right care, you can combat dryness and enjoy soft, glowing skin all season long. By following these simple tips, you can ensure your skin stays nourished and protected throughout the colder months. Embrace the winter season with healthy, hydrated skin that looks and feels its best!

WOMEN in Finance

We reached out to influential female leaders within our organization to hear their journeys throughout the mortgage industry. Our intention was to gain a better understanding about their experiences in the fight for workplace equality, and to learn about how the industry has changed. We ask that you read this discussion with an open mind, and an open heart, in order to let these stories be told.

What advice would you give to younger women entering the mortgage industry?

"STUDY! Whatever role you choose in the Mortgage Industry, become a master of your profession. Partner with all Team Members. It takes a Village! This industry isn’t physically difficult. The larger your knowledge base, the more success you’ll be able to facilitate."

- Jen Wardrop, Chief Risk Officer

"USE YOUR ASSETS! Do not try to be like the others, be the trusted warm educator with confidence and comfort!! Building your persona and business based on who you want people to see you as, takes time but consistency is KEY! Out of Sight Out of mind!"

- Shawn Muro, Loan Officer

Don’t give up. It can be a roller coaster. That’s just the nature of the industry. But, for any young person, if you come into this business, they need to be prepared for the ride. Make smart financial decisions to “put away for a dry day”. The rainy days are our best days here and it can downpour. It’s when it’s quiet and dry that you must plan for!

- Angela McNeil, Processor

What changes have you witnessed in the mortgage industry with respect to gender diversity, and where do you think improvements are still needed?

"The mortgage industry has made significant strides toward improving opportunities for women. More women are advancing into leadership positions, breaking through traditional barriers and inspiring future generations of female leaders. Flexible work arrangements, remote work options, and improved parental leave policies have helped women better balance their professional and personal lives. Furthermore, women’s achievements are being recognized and celebrated more than ever, increasing their visibility and influence within the industry. While challenges remain, these improvements are helping to create a more inclusive and supportive environment for women in the mortgage industry."

- Adriana Fernandez, Branch Manager

"I have observed a growing presence of women in both operational and management roles. At Geneva Financial, it is particularly encouraging to see that nearly all management positions are held by women. In contrast, at previous companies, such roles were predominantly filled by men. I believe this shift reflects a broader understanding that individuals of any gender are equally capable of excelling in these positions."

- Amanda Herrera, Processor

What does it mean to you to have so many of our top performing branches led by women?

"To me, seeing many of our top-performing branches led by women is a powerful reminder of the value of diverse leadership. It showcases the incredible talent, resilience, and unique perspectives that women bring to their roles. It’s not just about leadership styles but about the innovative approaches and problem-solving skills that these leaders offer. I’m proud of the progress we’ve made, and it reinforces my belief in the importance of empowering diverse voices at every level of our organization. Strong leadership drives success, and our women leaders exemplify this every day."

- Rachel Caple, Chief Sales and Revenue Officer

What does it mean to you to have such a large amount of women in leadershio roles at your company?

“For me, having so many women in leadership at Geneva Financial is a source of deep pride. It shows that we are not just talking about equity—we are living it. Our core value of ‘Be A Good Human’ extends to fostering an environment where talent and leadership aren’t defined by gender, but by the ability to inspire, lead, and make a difference. The women in our leadership team are paving the way for the next generation, proving that the mortgage industry—and the business world as a whole— is evolving for the better."

- Telle’ VanTrojen, COO | Partner

What specific challenges do women in leadership face within the mortgage sector?

"Women in leadership roles often must navigate expectations about balancing authority and collaboration. From my experience as a Loan Processor and working with leadership teams, I’ve seen women leaders face challenges in gaining equal visibility in decision-making processes. Building strong networks and allies within the company can help overcome these obstacles."

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Amanda Herrera, Processor

"As with any career, as women, to be respected, oftentimes we do have to work harder to show that we are capable of doing the same role a man can do. Our industry has people working from ages 18 all the way up to 80 plus so we have a lot of different stereotypes that have been ingrained in the different generations so that in itself is a challenge."

- Sheena Behrens, LOA

What steps can companies take to create a more inclusive environment for women in the mortgage industry?

"Mortgage companies can create a more inclusive environment for women by implementing leadership development programs and promoting equal opportunity policies. Offering flexible work arrangements and parental leave supports work-life balance. Companies should provide safe spaces for addressing concerns, celebrate women’s achievements, and ensure transparency in career advancement opportunities. Inclusive networking events and mentorship programs can further empower women, driving diversity and innovation within the industry."

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Adriana Fernandez, Branch Manager

"Companies should ensure that roles are recognized as critical stepping stones to leadership. Offering professional development opportunities, creating mentorship programs, and promoting them from within are essential steps. Additionally, fostering a culture that values and celebrates diverse leadership styles can make the industry more inclusive."

- Amanda Herrera, Processor

Praise diversity. I love how Geneva Financial is about humans and represents just being a good human regardless of gender, race or culture. It’s so important for diversity at all levels. A company should provide remote work or flexible hours for those women that are balancing work and caregiving to kids or family members. Fair pay to all roles regardless of gender. Highlight the accomplishments of women to help inspire other women.

- Jeanine Robbins, Loan Officer

What is one change you would like to see in the mortgage industry that would help women advance in their careers?

"It is essential to recognize that every role within the industry contributes to the smooth progression of the process. However, I have observed that, at times, only certain roles seem to be acknowledged as truly significant. For women entering the industry, this lack of recognition can make it difficult to determine if the field is a good fit, often leading to feelings of undervaluation. It is crucial to understand that the success of a company relies on the collaborative effort of all departments. Unfortunately, this perspective is not always apparent to those who are new to the industry, and it often takes years of experience to fully appreciate the importance of every role."

-

Amanda Herrera, Processor

"One change I would like to see for women in the mortgage industry is the recognition that women are natural leaders in the mortgage industry and it doesn’t have to be a male dominated. Women are equally capable as men and when we work together, we can drive innovation, improve the industry and achieve greater success. Proving that leadership isn’t about gender but about our skill, vision and dedication to the mortgage industry."

- Adriana Fernandez, Branch Manager

Has gender played a role in your career progression within the mortgage industry?

"Starting in the mortgage industry at just 25 years old and as a woman in a male-driven field was far from easy. On top of that, I was quickly thrust into a leadership role, running a mortgage lender for 12 successful years. It was a steep challenge—being new to the industry and needing to prove myself not only as a professional but also as a leader. However, those experiences taught me resilience, adaptability, and the importance of building confidence in myself. I’m proud of the success I achieved despite the obstacles, and it shaped me into the strong professional I am today."

- Adriana Fernandez, Branch Manager

"During my experience, I observed a clear distinction between roles traditionally held by women and those typically occupied by men. For instance, it was uncommon to see women in positions such as loan officers, let alone branch managers overseeing teams of loan officers. However, I have begun to witness a positive shift, with more women entering roles that were historically dominated by men."

- Amanda Herrera, Processor

"Absolutely. Historically, the mortgage industry has been male dominated. As a woman, I felt I needed to prove my expertise and competence and be more assertive. And especially again, it was easier for the men to stay late and work those hours than it was for me as a Mom. There were times that I was more knowledgeable or competent and I felt like I was surrounded by the “good ole” boys club."

- Jeanine Robbins, Loan Officer

Have you encountered any biases or stereotypes in your role, and how did you address them?

"I’ve had a client couple actually question everything about their loan and what was needed on their approval and had to get a male loan officer’s opinion in order to believe me. Because their buyer’s agent is actually a friend of mine, I found out that they didn’t trust me because I was black and a woman. So yes, doubts about my expertise, knowledge and experience based on the fact that I was a woman. The best part is that I finished the loan and still got paid because money is green and they will always be ignorant. And I have a lot of patience in this business so I try not to let it affect me."

- Jeanine Robbins, Loan Officer

"Yes. I do believe because every company has different job descriptions for a loan officer assistant, a lot of times LOs assume that it’s more of a data entry position but I will say once they know I can set up a loan, price, etc their demeanor changes. I am not one to brag of what I can do… I will show you what I can do and then we can go from there."

- Sheena Behrens, LOA

We hope this discussion was able to shine a light on the trials and tribulations that many women have experienced in the workplace. There has been much progress in recent years to help correct this, but much more is needed in order to establish true equality. If you have had similar experiences, just know that you are not alone. Many women have had similar experiences as what we saw here and are willing to lend an open ear and a helping hand.

Outdoor Grilling in Cold Weather

A Step-by-Step Guide

Choose the Right Foods for Cold Weather Grilling

Grilling in the cold months may be challenging, but with the right preparation and techniques, you can enjoy delicious outdoor meals no matter the conditions. Whether you're craving a juicy steak, smoky barbecue, or grilled vegetables, winter grilling offers unique flavors and experiences. This comprehensive guide will help you navigate the chill and maximize your cold-weather grilling sessions.

Prepare Your Grill for Cold Weather

Before you fire up the grill, it’s essential to ensure your equipment is ready for the challenges cold weather can bring. For gas grills, make sure your propane tank is full. Freezing temperatures can cause the pressure in gas tanks to drop, so it’s best to start with a full tank. For charcoal grills, store your fuel in a dry, warm place such as a garage to prevent it from absorbing moisture and becoming difficult to light. It’s also important to give your grill extra time to preheat, as cold air can make it take longer to reach the ideal cooking temperature. Preheat your grill for 15-20 minutes to ensure it’s hot and ready to go. Additionally, invest in a good-quality grill cover to protect your equipment from rust and snow accumulation.

Dress for the Weather

Winter grilling is all about staying warm while you cook. Make sure to layer up with thermal undergarments, insulated jackets, and waterproof boots to keep comfortable. Thick, insulated gloves are essential for handling hot grills and utensils, and ones with removable fingers are great for better dexterity when flipping burgers or skewering vegetables. Be sure to cover your feet with warm, waterproof boots, especially if you're grilling in wet or snowy conditions. Dressing appropriately ensures you can stay outside longer without feeling the chill.

Maintain a Steady Cooking Temperature

Cold air can make it harder to maintain consistent heat on your grill, but there are several strategies to ensure your food cooks evenly. Use a grill thermometer to monitor both the internal temperature of your grill and your food. This will help you avoid undercooking or overcooking your meal in fluctuating temperatures. To retain heat, try to keep the lid closed as much as possible; opening the grill allows warm air to escape, making it harder to maintain the desired cooking temperature. If you’re dealing with powerful winds, consider setting up a windbreak to protect the grill and maintain steady heat.

When grilling in colder temperatures, it's best to choose foods that can stand up to the chill. Thicker cuts of meat, such as bone-in chicken, steaks, or pork chops, are ideal because they cook slower and are less likely to dry out. These cuts give the grill more time to maintain heat and get a nice sear. Root vegetables like carrots, sweet potatoes, and parsnips also work well on the grill, as they can handle longer cooking times and absorb the smoky flavors beautifully. When marinating, opt for thicker marinades that can better withstand the colder temperatures and lock in moisture and flavor.

Adjust Cooking Times for the Cold

Grilling in cold weather often means longer cooking times. Be prepared for your food to take a little extra time to cook compared to the warmer months. For instance, a steak that usually cooks in 8 minutes on a warm summer day may take closer to 12 minutes in the winter. Larger cuts of meat benefit from indirect heat, where you cook the food on one side of the grill while leaving the heat source on the other. This technique allows the meat to cook more evenly without drying out.

Safety First

Grilling in winter presents some unique safety considerations. Before grilling, make sure to clear the area around your grill of snow and ice to prevent slips and falls. Additionally, always keep an eye on your grill while it's in use. Cold and windy conditions can make the flame unpredictable, so be vigilant about hot coals, grease fires, or flare-ups. It’s also a good idea to have a fire extinguisher nearby, just in case. With the right precautions, you can grill safely and confidently.

Embrace the Experience

Winter grilling can be a fun and rewarding experience if you embrace the elements. The crisp air, the smoky aroma of grilling food, and the satisfaction of cooking outdoors in the winter all add to the experience. Consider inviting friends or family over for a winter barbecue, and setting up blankets and heaters to create a cozy outdoor dining space. Pair your grilled foods with warm beverages like mulled wine, hot chocolate, or spiced cider for the perfect winter grilling feast.

Grilling in cold weather may require a little extra effort, but the rewards are well worth it. With the right equipment, preparation, and mindset, you can enjoy delicious outdoor meals no matter the temperature. By taking the time to ensure your grill is ready, dressing warmly, and adjusting for longer cooking times, you can make the most of your outdoor grilling season. Whether you’re cooking a simple dinner or hosting a winter barbecue, grilling in the cold can become a delightful part of your winter routine.

Cocktails to Wow Your Guests Seasonal Sips 7

Cranberry Moscow Mule Apple Cider Old Fashioned

If you want to impress your guests with fun and delicious seasonal drinks, look no further! Whether you’re looking for a beverage for the cold winter, warm summers, crisp fall, or vibrant spring, we’ve got you covered. Here are some classic beverages with a seasonal twist, getting your home ready for any get together!

1. Cranberry Moscow Mule

A festive spin on a classic Moscow Mule, this packs a punch with the bright, tart flavor of cranberry. This drink is perfect for the cold winter months and holiday season. Moscow Mule’s pair perfectly with salty snacks like nuts and chips, making this the ideal cocktail for parties and all the snacks present.

2. Apple Cider Old Fashioned

The classic old fashioned with a twist intended to get you through the chilly fall months. Making a traditional concoction then adding apple cider and bourbon will remind you of pumpkin patches, trick or treating, and crisp leaves falling on the sidewalk.

3. Winter Spiced Sangria

Red wine sangria combined with seasonal spices like cinnamon, ginger, and turmeric will remind you of winter holiday parties and festive gatherings. Pair it with seasonal fruits such as oranges, apples, and cranberries for extra zest and holiday flair!

Winter Spiced Sangria

Strawberry Lemonade

4. Strawberry Basil Lemonade

Perfect for summer barbecues and firework shows, spiked lemonade is a favorite for many people across the country. Adding strawberry and basil to the mix gives it a straightforward and refreshing taste that will keep your guests coming back for more! This beverage goes great with barbecue staples like hot dogs, hamburgers, and anything you can throw on the grill!

5.

A peach Bellini is great for brunch anytime of the year but even more so during the spring. This yummy cocktail can be replaced with other seasonal fruit like strawberry, cherries, and apricots if peaches aren’t your thing.

6. Spiked Iced Coffee

This caffeinated cocktail is great for a late morning brunch or as a companion to the end of a fun day on a long summer night. A spiked iced coffee will keep you cool, energized, and ready to take on the day!

7. Lavender Lemon Collins

Ideal for spring gatherings, this refreshing twist on the classic Tom Collins cocktail offers a floral taste topped off with the sour flavor of lemon. This is a great drink for any mid morning golf game or brunch time outing!

These seven seasonal cocktails will keep you and your guests refreshed year-round! Showcasing fresh seasonal ingredients, these drinks are the perfect pairing for any gatherings of friends and family!

Peach and Prosecco Bellini

Strawberry Basil Lemonade Peach and Prosecco Bellini

Spiked Iced Coffee

Lavender Lemon Collins

Winter-Ready Breakfasts for Cold Days

When the temperature drops, a warm, comforting breakfast is just what you need to start your day on the right note. These hearty meals are perfect for cold mornings, providing a perfect blend of warmth, flavor, and nourishment that will leave you feeling cozy and satisfied. Whether you crave something sweet, savory, or a mix of both, these breakfast ideas will keep you comfortable during those chilly days.

Cinnamon Roll Oatmeal

Warm up with a bowl of cinnamon roll oatmeal that combines the creamy texture of oatmeal with the comforting flavors of cinnamon and sugar. Cook steel-cut oats with milk for a rich, creamy base, then stir in cinnamon and a drizzle of maple syrup. Top with chopped pecans or walnuts and a dollop of yogurt for a filling breakfast that tastes just like a cinnamon roll but is much healthier!

Banana Bread Pancakes

If you're a fan of banana bread, these banana bread pancakes are a perfect way to enjoy those warm, comforting flavors in the morning. Use ripe bananas to create a naturally sweet pancake batter, then cook until golden brown. Serve with a drizzle of honey or maple syrup and a sprinkle of cinnamon for an indulgent yet cozy breakfast that’ll keep you warm all day.

Creamy Scrambled Eggs with Spinach and Cheese

of overnight oats in this comforting breakfast. Mix rolled oats with cocoa powder, almond milk, and a touch of honey, then refrigerate overnight. In the morning, top with whipped cream, chocolate shavings, or marshmallows for a sweet, chocolatey breakfast that’s both warm and comforting.

Sweet Potato Hash with Eggs

Sweet potatoes are a perfect base for a warm, comforting breakfast hash. Cube and roast sweet potatoes until they’re tender, then sauté with onions, bell peppers, and a sprinkle of paprika. Top with a fried or poached egg for extra protein, and garnish with fresh herbs like cilantro or parsley. This hearty dish will keep you satisfied and warm throughout the morning.

A bowl of creamy scrambled eggs is the ultimate comfort food for cold mornings. Whisk together eggs, a bit of milk, and a pinch of salt, then cook in a hot pan with a little butter for a fluffy, creamy texture. Add a handful of sautéed spinach and a generous sprinkle of cheese for extra flavor and heartiness. Pair with a warm slice of toasted sourdough for the perfect comforting meal.

Hot Apple Cinnamon Quinoa

For a warm, hearty breakfast that’s a little different from oatmeal, try hot apple cinnamon quinoa. Cook quinoa in milk for a creamy texture, then stir in diced apples, cinnamon, and a touch of brown sugar. This dish is not only warm and comforting but also packed with protein and fiber to keep you full and energized for hours.

Classic French Toast

Baked Apples with Cinnamon and Walnuts

For a comforting, sweet breakfast, try baked apples with cinnamon and walnuts. Core apples and stuff them with a mixture of oats, cinnamon, and chopped walnuts, then bake until soft. The apples become tender and fragrant, while the oats and walnuts create a satisfying, warm topping. Drizzle with honey and serve with a dollop of yogurt for a wholesome, comforting meal.

Chia Pudding with Warm Spiced Fruit

Chia pudding is a great option for a hearty yet comforting breakfast. Make it the night before and top it with warm spiced fruit in the morning. Gently heat sliced apples or pears with cinnamon and nutmeg, then spoon them over your chilled chia pudding. This dish combines the creamy texture of chia with the warm, spiced fruit for a perfect balance of comfort and nutrition.

Rice Pudding with Raisins and Cinnamon

Nothing beats the classic comfort of French toast on a cold morning. Dip thick slices of bread into a mixture of eggs, milk, cinnamon, and vanilla, then cook until golden brown and crispy on the outside. Serve with a generous drizzle of maple syrup and a dusting of powdered sugar. For added comfort, top with fresh fruit, whipped cream, or a sprinkle of cinnamon.

Hot Chocolate Overnight Oats

Combine the cozy flavors of hot chocolate with the ease

For a nostalgic, warming breakfast, try rice pudding. Cook Arborio rice in milk with a touch of sugar, cinnamon, and vanilla until it thickens into a creamy pudding. Stir in raisins for sweetness and texture, then top with extra cinnamon and a drizzle of honey. This comforting dish is perfect for those chilly mornings when you need something filling and sweet.

There’s nothing better than a warm, comforting breakfast on a cold morning. Whether you’re craving the sweetness of cinnamon roll oatmeal, the savory richness of scrambled eggs, or the heartiness of a sweet potato hash, these breakfast ideas will provide the warmth and nourishment you need to start your day. Embrace the chill with these cozy, satisfying meals that will make your mornings feel just a little bit brighter.

The SmartLoan for Sophisticated Homebuyers

by Geneva Financial

The HomeSelect™ Loan from Geneva Financial offers a revolutionary approach to home financing, combining the features of a traditional mortgage with the flexibility of a checking account. This innovative product allows borrowers to manage their mortgage dynamically, providing greater control over their financial journey.

Key Features of the HomeSelect™ Loan:

• Integrated Checking Account Functionality: The HomeSelect™ Loan operates like a checking account, enabling borrowers to deposit funds that directly offset the loan balance. This integration reduces the daily accruing interest, potentially leading to significant savings over time.

• Flexible Access to Home Equity: Unlike traditional mortgages, this loan provides 30 years of draw access to equity without the need for refinancing. Borrowers can utilize their home's equity for various financial needs, such as home improvements or unexpected expenses, offering unparalleled financial flexibility.

• Diverse Property Eligibility: The HomeSelect™ Loan is versatile, applicable to primary residences, second homes, and investment properties. It accommodates single-family as well as multi-family homes, catering to a wide range of real estate investments.

• Comprehensive Banking Features: Borrowers benefit from a suite of banking services, including online bill pay, direct payroll deposit, ACH transfers, ATM-VISA POS cards, personal checks, digital money transfers, automatic bill pay, and mobile check deposits. This comprehensive package ensures that managing finances remains convenient and efficient.

Benefits of Choosing the HomeSelect™ Loan:

• Interest Savings: By depositing funds into the integrated checking account, borrowers can offset their loan balance, thereby reducing the interest that accrues daily. This mechanism can lead to substantial interest savings over the life of the loan.

• Accelerated Equity Building: The structure of the HomeSelect™ Loan allows for faster equity accumulation compared to traditional mortgages. This accelerated equity growth enhances the borrower’s financial stability and investment potential.

• Financial Flexibility: With ongoing access to home equity and the ability to manage mortgage payments dynamically, borrowers can adapt their financial strategies to align with changing life circumstances and goals.

Considerations Before Opting for a HomeSelect™ Loan:

While the HomeSelect™ Loan offers numerous advantages, it's essential to assess its alignment with your financial situation:

• Financial Discipline: The flexibility of this loan requires diligent financial management to maximize its benefits.

Borrowers should be comfortable with actively managing their finances to ensure optimal outcomes.

• Eligibility Criteria: Potential borrowers must meet specific requirements, including a minimum FICO score (700 for primary and second homes; 720 for investment properties), maximum loan-to-value ratios (up to 90% for primary homes), and a maximum debt-to-income ratio of 43%. Additionally, applicants should possess strong positive cash flow.

The HomeSelect™ Loan represents a significant shift in mortgage financing, offering a blend of flexibility, control, and potential savings. By integrating mortgage and banking functionalities, it empowers borrowers to manage their finances more effectively and align their mortgage payments with their broader financial strategies.

For those seeking a modern alternative to traditional mortgages, the HomeSelect™ Loan may be an ideal solution.

MAXIMIZE COMFORT Savings with Energy-Efficient

If you're considering financing home improvements, you’ve likely explored numerous options—but which are the best for renovations or energy-efficient upgrades? Fannie Mae's HomeStyle® Renovation and HomeStyle® Energy loans provide flexible and streamlined solutions to enhance your home’s functionality, sustainability, and value.

The Power of HomeStyle® Renovation Loans

HomeStyle® Renovation loans allow homeowners to finance both the purchase and renovation of a property in one convenient mortgage. Whether you’re updating a fixer-upper or modernizing your current home, this loan covers structural repairs, kitchen remodels, or even luxury additions like solar panels or energy-efficient windows.

Upgrade Your Home with HomeStyle® Energy Loans

For those looking to improve their home's energy efficiency, HomeStyle® Energy loans are a game-changer. Designed to help reduce utility costs and carbon footprints, these loans finance upgrades such as new insulation, high-efficiency HVAC systems, ENERGY STAR® appliances, and even renewable energy solutions like solar or geothermal heating.

Why Choose an Energy-Efficient Mortgage?

Energy-efficient mortgages (EEMs) offer multiple advantages, including:

-Lower Utility Bills: Reduce energy consumption and enjoy long-term savings.

-Increased Property Value: Energy-efficient homes are highly desirable and often command higher resale prices.

-Comfort & Sustainability: Improve indoor air quality, temperature regulation, and overall home comfort while reducing environmental impact.

-Flexible Financing: Roll renovation costs into a single mortgage with competitive rates.

Is an Energy-Efficient Mortgage Right for You?

If you’re purchasing a home that needs upgrades or you want to make your current home more sustainable, these loan options could be the perfect solution. With the ability to finance renovations and energy-efficient improvements upfront, you can achieve a more comfortable, eco-friendly, and cost-effective home without the financial burden of separate financing.

Take advantage of these innovative loan programs and start your journey toward a greener, more efficient home today!

COMFORT & Energy-Efficient Mortgages