Let's Gather
In this season of giving thanks, we often find ourselves reflecting on the many blessings in our lives. The true spirit of Thanksgiving encourages the conscious expression of gratitude. Its focus is spending time with those that you love and encourages giving back in a meaningful way. While ambition, competition and slaying goals can be very healthy, forgetting to place importance on being present, enjoying the ride and appreciating those around us that have helped us along in our journey, can leave us missing out on what truly matters. We’ll never be content if we look outside ourselves and at our possessions or titles to determine if we are fulfilled. True contentment comes from within and from fulfilling who we were made to be.
Our November issue is dedicated to stories of gathering, gratefulness and giving back to our community. We are so thankful for the residents and businesses in our community who support so many wonderful organizations and help make our city the vibrant community that it is. We are especially thankful for our advertising partners who help bring this magazine to your doorsteps each month. They are part of our vision and purpose of bringing inspiring stories and the good news of the community directly to you. This holiday season as we prepare to gather with our loved ones, and in the true spirit of Thanksgiving, let’s set time aside to consider what truly makes life meaningful and stop to reflect on those blessings.
Cheers,
HEBRON, PUBLISHER
November 2024
PUBLISHER
Maggie Hebron | maggie.hebron@citylifestyle.com
EDITOR
Tara Johnson | tara.johnson@citylifestyle.com
PUBLISHER ASSISTANT
Hailey Livingston | hailey.livingston@citylifestyle.com
Corporate Team
CHIEF EXECUTIVE OFFICER Steven Schowengerdt
CHIEF OPERATING OFFICER Matthew Perry
EXECUTIVE DIRECTOR OF HR Janeane Thompson
AD DESIGNER Evan Deuvall
LAYOUT DESIGNER Kelsey Ragain
city scene
WHERE NEIGHBORS CAN SEE AND BE SEEN
1: The Montana Pitmaster Classic hosted by Kenyon Noble 2: Runners celebrating during the Bozeman half marathon 3: Runners during the Bozeman half marathon 4: DJ Missy O’Malley at Crosscut Mountain Sports Center Roller Skate Night 5: 25 artists, makers and vendors celebrating the last art walk of the summer. 6: Birdhouse Collective’s final art market 7: Festivities at Big Sky Octoberfest
Secure
Most
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business monthly
First Security Bank Wins 2024 Live United Award
First Security Bank has been honored with the 2024 Live United Award from the Greater Gallatin United Way. This prestigious award recognizes their commitment to community service and support. Their dedication to volunteering, investing, and advocating for a better tomorrow ignites change through kindness and collaboration, embodying the philosophy of living united.
Helse Expands Class Schedule and Welcomes New Trainers
Helse Lagree Fitness Studio, Montana's first Lagree studio, is thrilled to welcome new trainers to the team and an expanded class schedule this Fall. With over 20 years combined Lagree Fitness training experience, the Helse training team is committed to an inclusive environment supporting client goals and getting results. Helse launched a state of the art sound system earlier this Fall, allowing participants to create their music experience through music level customization during their session.
Cold Weather Essentials
WOOLCLOUD VEST
Filled with propietary Montana-grown Merino Wool and a nylon rip-stop water-resistant shell.
$259 at DuckworthCo.com
HOLY FLEECE HAT
Fleece-lined with a ponytail hole ideal for vigorous exercise in cold weather and every-day winter activities.
$35 at SauceActive.com
AUTUMN HUNTER & GATHERER MOCCASINS
These custom handmade bison leather moccasins are great for cool mornings with wool providing plenty of warmth.
$800 at WhiteBearMoccasins.com
FINANCIAL WELLNESS
ARTICLE BY SARA KOELZER
PHOTOGRAPHY BY KIM BRUNDAGE
Sara Koelzer, Producing Area Manager and SVP of Mortgage Lending at Rate, alongside her experienced team, were recognized as #1 in production for the state of Montana. We sat down with her for a Q&A to ask for her insightful tips for achieving financial wellness.
DO YOU HAVE ANY TIPS FOR THOSE TRYING TO BUILD WEALTH THROUGH REAL ESTATE?
One of the best ways to jump start your real estate investing portfolio is to start out small and early. Many first time homebuyers are able to get primary residence mortgages with a minimal down payment (on average 3% minimum), buy that home as a primary residence, live in it for two years, and then turn that property into a rental and then repeat. I have seen first time homebuyers start out this way with minimal down and then keep moving into new properties and creating rentals every few years. Now they have a real estate portfolio in the Bozeman market performing exceptionally well. There are many people I know who started out buying right out of college and by the time they retire they will have multiple streams of income from this strategy alone.
I think one of the big hang up’s in today’s climate is everyone is fixated on low rates from years past and we call this the “lock in effect”. They cannot get past “losing” this low rate and the wealth that they have in that particular property, so they are scared to consider selling and lose that rate and payment.
Homeowners today are sitting on more equity and wealth than ever before so one thing to consider is converting your current property into a rental property. When you do that, you do not need to refinance your loan so you can keep that low primary mortgage rate. Now you will need a down payment (typically 3%-5% minimum) on a new purchase and if you do not have that you can consider pulling equity out of your current home with a home equity line of credit. The rental market is so strong in Bozeman that it's worth investigating this option to see what you could rent your current home for and let that property continue to appreciate for you.
CONTINUED >
“With the thriving Bozeman real estate market you may be shocked at just how much potential you have and I know that I am personally thankful for the opportunities this market has given so many homeowners.”
WHAT ARE SOME WAYS TO TAP INTO YOUR HOME EQUITY TO ACHIEVE FINANCIAL FREEDOM OR ACCESS CASH IN CASE OF LIFE EVENTS?
There are a few different products that will allow you to access equity in your current home. These are a home equity line of credit, home equity loan or a cash-out refinance. A home equity line of credit or a home equity loan are both second mortgages that are tied behind your current mortgage. This allows you to keep your low rate that you may have currently on your main mortgage and access equity (typically up to 80%) for essentially anything you would like. It could be for home improvements, large purchases, debt consolidation, pay out in a divorce situation etc. A loan is essentially a “fixed rate and term” where the line of credit is a revolving line that will allow you to access more equity and draw against it in the future. A line of credit is more like a credit card that allows you to pay it down and draw back against it.
Another product used to access equity is a cash out refinance. What we do in this case is “re-do” your main mortgage and give you cash out and we consolidate it all into one main mortgage again. You are subject to today’s interest rates so for the past few years we have done very little of these due to the higher rate climate.
However, when we are looking into these scenarios it isn’t always about making sure the rate is as low as it was before. It’s more important to look at overall monthly cash flow and for some if they could eliminate all of their monthly debt and just have one low monthly mortgage payment that would provide them huge savings per month.
As you can see using a mortgage to achieve financial freedom can look very different for each particular person and their scenario. It’s always best to reach out to an experienced loan officer so they can run calculations for you and provide options. With the thriving Bozeman real estate market you may be shocked at just how much potential you have and I know that I am personally thankful for the opportunities this market has given so many homeowners.
THE GALLERY
Madison Perrins employs an unconventional and lively color palette to create an imaginative take on the landscape
Bozeman based artist Madison Perrins uses art to express a connection to the natural world. Her work lifts up a deeply personal spirituality held in the landscape, especially inspired by the sweeping expanses of the Western U.S. and her beloved Montana. In turns, her art embodies joy, playfulness, power, the sacred, interiority, and radiant energy. Her striking exhibit There is a Season is on view at The Emerson Center for the Arts and Culture through November 27.
"JUST A MEASURE OF TIME" acrylic and ink on lightweight canvas
"NEVER TOO LATE"
acrylic and ink on canvas
"OLD THREADS"
acrylic and ink on lightweight canvas
ARTICLE BY JUSTINE THIBAULT PHOTOGRAPHY BY LC PHOTOSTYLE
FALL FLORAL CENTERPIECES
Embrace the Season with Style
One of the most delightful ways to celebrate the season is through floral centerpieces that not only reflect the beauty of autumn but also add a touch of creativity to your dining table. This fall, we explore some inspiring centerpiece ideas that incorporate seasonal elements and contemporary trends, ensuring your gatherings are both chic and memorable.
PUMPKINS AND SEASONAL VEGETABLES: A SIMPLE YET STUNNING DESIGN
Nothing says fall quite like pumpkins. For a stunning centerpiece, choose a range of petite pumpkins or a variety of shapes and sizes—think white, orange, and even green hues.
Tips:
Keep It Simple: Surround the pumpkins with an assortment of gourds and petite flowers to create depth and interest. This approach not only highlights the season’s bounty but also keeps the design minimal and elegant. CONTINUED >
CANDLES AND BOWS: THE MONOCHROMATIC TREND
For a more sophisticated take, consider a monochromatic centerpiece that combines the elegance of candles with the warmth of seasonal accents. Choose a single color palette— like deep reds or warm neutrals—and stick to it throughout your arrangement.
Tips:
Use Varying Heights: Incorporate candles of different heights for a dynamic look. Cluster them with florals in the same color family for a cohesive design.
Add Bows for Flair: Wrap a few of your candles or vases with soft ribbons or bows that echo your color scheme. This small detail can elevate the entire arrangement, adding a touch of whimsy and style. This trend not only creates a striking visual but also sets the mood for intimate gatherings with its warm, inviting glow.
CARROTS, ZUCCHINIS AND TOMATOES: FUN WITH NON-TRADITIONAL DESIGNS
If you’re looking to break away from the traditional fall aesthetic, why not incorporate unexpected elements like purple carrots carrots and zucchini? These vibrant veggies can add a playful twist to your centerpieces while celebrating the harvest season.
"Vibrant veggies can add a playful twist to your centerpieces while celebrating the harvest season. This fun, non-traditional approach allows for creativity and experimentation, making your table truly one-of-a-kind."
Tips:
Play with Color: Arrange some green foliage in a rustic bowl or a glass vase. Add flowers for a fresh pop.
This fun, non-traditional approach allows for creativity and experimentation, making your table truly one-of-a-kind.
Fall is a season ripe with opportunities for creativity and celebration. By incorporating seasonal elements like pumpkins, candles, and unexpected vegetables into your floral centerpieces, you can create stunning displays that capture the spirit of the season. Whether you choose a simple, elegant design or a playful, vibrant arrangement, your table will be transformed into a beautiful autumnal oasis. So gather your supplies, unleash your creativity, and enjoy the warmth and beauty that fall has to offer!
With Special Thanks to Gallatin River Lodge
Elevate Your Dining Experience
A tablescape is more than just a beautifully set table—it’s an art form that combines functionality with aesthetics to enhance the overall dining experience. Whether you're hosting an intimate dinner or a lavish holiday feast, a thoughtfully curated tablescape can make the occasion feel truly special. HOW TO CREATE STUNNING TABLESCAPES
1. START WITH A THEME
The foundation of any great tablescape is a cohesive theme. Think about the vibe you want to create—whether it’s rustic, modern, minimalist, or festive. Use the season as inspiration!
2. LAYERING IS KEY
One of the secrets to creating a rich, dynamic tablescape is layering. This involves combining different textures, heights, and elements to add depth and interest to the table. Start with a base like a tablecloth or runner, then layer with dinner plates, napkins. Don’t be afraid to mix materials— glassware and metal accents can all work together to create a balanced look.
3. INCORPORATE A FOCAL POINT
Every great tablescape needs a centerpiece or focal point to anchor the design. Candles, a floral centerpiece, or even seasonal elements like pumpkins can make great centerpieces.
4. PLAY WITH COLOR
Color is one of the most powerful tools when designing a tablescape. You can go for a monochromatic scheme or opt for complementary colors. Be mindful of the existing colors in your dining room, but don’t shy away from bold combinations. For a more festive feel, bright, contrasting colors like red and gold can bring energy to the table, while soft, neutral tones create a calm, serene atmosphere.
5. DON’T FORGET ABOUT LIGHTING
Lighting can make or break the mood. Candles are a classic choice for tablescapes, offering soft, romantic lighting that enhances the ambiance.
6. MIND THE DETAILS
The small details can often have the biggest impact. Coordinated flatware, elegant glassware, and cloth napkins can all elevate your tablescape to the next level. Think about how the cutlery, plates, and glasses complement the overall theme and color scheme. Napkin folding can also add a unique touch. Place a small decorative item, like a sprig of greenery, inside the napkin fold or on the plate for an added touch of decor.
CONTINUED >
"Bringing the outdoors in is a timeless way to add uniqueness to your table. Fresh flowers, greenery, or even fruits and vegetables can serve as décor elements."
While it’s tempting to go all out with your design, remember that your tablescape should be functional, too.
7. BALANCE FORM AND FUNCTION
While it’s tempting to go all out with your design, remember that your tablescape should be functional, too. Guests need space to eat comfortably, so be mindful not to overcrowd the table with décor. Be mindful of height so guests can easily see and chat with one another.
8. INCORPORATE NATURE AND NONTRADITIONAL ITEMS
Bringing the outdoors in is a timeless way to add uniqueness to your table. Fresh flowers, greenery, or even fruits and vegetables can serve as décor elements. Non-traditional centerpieces can be fun, sustainable and low cost, while staying on trend.
9. EXPERIMENT AND HAVE FUN
The best part about tablescaping is that there are no hard and fast rules. Feel free to experiment with new ideas and styles. Mix and match patterns, play with unusual centerpieces, or layer different textures to create a one-of-a-kind look.
With Special Thanks to Gallatin River Lodge
dip -giving
ARTICLE BY ANGELA BROOCKERD PHOTOGRAPHY BY JANIE JONES
Fall is synonymous with gathering with friends and family and enjoying time together. Whether it is for Thanksgiving, a football watch party or a simple fall gathering, these easy appetizer dips are the perfect shareable snack to share.
garlic herb feta dip
ingredients:
• ½ cup plain Greek yogurt
• 1 whole garlic bulb, roasted
• 1 ¼ cup feta cheese
• 3 teaspoons olive oil
• 1 Tablespoon lemon juice
• ½ teaspoon dill
• 1 teaspoon parsley
• Salt and pepper to taste
fig & honey brie
ingredients:
• 8 ounce brie wheel
• 1/3 cup fig spread or jam
• ¼ cup pecans
• 2 teaspoons honey
• 1 teaspoon fresh rosemary, chopped
• 1 teaspoon fresh parsley
directions:
First, cut the head off of the top of the garlic bulb, and drizzle olive oil on top. Wrap in foil, and place it in an oven heated to 425 degrees. Roast for 30 minutes or until soft. Squeeze roasted garlic into a bowl, and set aside. Next, add the yogurt, feta, lemon juice, salt, pepper and water in a blender and lightly blend. Add the roasted garlic and blend until smooth. Transfer to a serving dish and sprinkle with fresh herbs. Serve with crackers or fresh vegetables. Enjoy!
directions:
Place brie in a baking dish. Spread the fig spread on top of brie and sprinkle with chopped pecans. Drizzle with honey. Add fresh herbs, and bake at 350 degrees for 20 minutes. Serve with pita chips or crackers.
creamy pumpkin cheesecake dip
ingredients:
• 8 ounces softened cream cheese
• 1 can pumpkin puree
• ¾ cup brown sugar
• 1 cup heavy whipping cream
• 1 tablespoon pumpkin pie spice
directions:
Place cream cheese in a microwave safe bowl, and soften for 30 seconds. Add brown sugar and blend with a hand mixer until smooth. Add in pumpkin and blend until combined. Mix in heavy whipping cream and mix on high for 2 minutes. Next, stir in pumpkin pie spice. Serve with sliced apples, pretzels, graham crackers or vanilla wafers.
Healthy Holiday Eating
1.
2. Don't
3. Skip
4.
5.
6. Chew
7.
events
A SELECTION OF UPCOMING LOCAL EVENTS
NOVEMBER 2ND & 3RD
Ski Swap
Gallatin County Fairgrounds, 901 N Black Ave, Bozeman
This beloved annual event is great whether you’re looking to sell your items on consignment or looking for items to buy. Come check out skis, boards, boots, outdoor clothing and more with more than 10,000 items for Alpine, Nordic, snowboarding, backcountry, and more! Admission is $5 on Saturday and $2 on Sunday! BridgerSkiFoundation.org
NOVEMBER 8TH, 9TH & 10TH
Tango Opera Maria De Buenos Aires
Kimpton Armory Hotel, 24 W Mendenhall St. Bozeman
Immerse yourself in the passionate rhythms and spellbinding intrigue of Astor Piazzola’s tango opera. Presented in partnership with Bozeman’s own Raison D’être Dance Project, Opera Montana’s first-ever Spanish language opera will be performed at the beautiful Armory Music Hall. Enjoy this immersive production and gourmet Argentinian dinner as you’re transported into the sultry underworld of Buenos Aires. OperaMontana.org
NOVEMBER 21ST
Downtown Bozeman Ladies Night
Downtown Bozeman
Enjoy some pre-holiday shopping with friends the Thursday before Thanksgiving. There will be special deals at restaurants and shops geared towards the ladies. Make it a fun night out before the holidays arrive and see what local businesses have to offer!
NOVEMBER 28TH
Huffing for Stuffing
Museum of the Rockies
This race is held every Thanksgiving morning at the Museum of the Rockies and raises money for the Gallatin County Food Bank. Start your Thanksgiving morning with a walk or run with the Bozeman community while helping out those in need. The fee is $30 with several race options to choose from!
NOVEMBER 30TH
Small Business Saturday
Downtown Bozeman
Support small businesses and the local economy as you shop for the holidays. No matter what or who you are shopping for, look downtown to support local business owners on this nationally advertised event.
-Flexible options make it easier to close. In-house delegation for over 10 jumbo investor options.
-Faster approvals**
-Intelligent underwriting streamlines the process.
technology makes closing faster, smoother, and smarter.
Sara Koelzer
SVP of Mortgage Lending C: (406) 580-6604 sarak@rate.com
1001 W Oak St, Building C, Ste. 110, Bozeman, MT 59715
This limited-edition No. 11 cast iron skillet from Smithey, made in the U.S., features some of the most iconic symbols of Yellowstone National Park. This collector’s item delivers exceptional cooking performance, along with supporting the nonprofit Yellowstone Forever. The partnership helps financially support the organization’s mission of protecting and preserving the park and vital conservation efforts to restore native cutthroat trout within the park. With a traditional 11” inch shape that comes pre-seasoned, this beauty has a lifetime guarantee and would be a fantastic edition to hang in any kitchen and to pass down to future generations.
$200 at Smithey.com
Curating a design plan is more than just copying a Pinterest or Instagram photo. It involves real people, their lifestyle, their expectations and their point of view. Unique personalities are reflected by lifestyle choices; design can mirror that. Curation accounts for all the nuances of life to provide space for experiencing while expanding the opportunities for growth and change. Design is not static - it flows.
The Nature of Bozeman is also how I feel about its reflection through design and architecture. For whom are we designing? What do our clients want to experience in that space that we help them create?
Curated Design is about giving more that expected, surprising the senses, and exceeding expectations. It is a personal experience.
- Kris Nunn
40 Spanish Peak Drive, #102 Four Corners x Bozeman
