Moms Town Jan 2024

JAN/FEB 2024 | VOL V

HOWMom MADE IT!

SERVING OUR COUNTRY & COMMUNITY

HOW A TINY NOTEBOOK CAN CHANGE YOUR LIFE

CRADLE-TO-COLLEGE MUSIC TO OUR EARS

CARRIE'S 2024 FASHION FORECAST

LONGEVITY FOR MOMS

We Make This Real Estate Thing Easy Hometown Realty • 760-798-1784

Celebrating our 15th Anniversary in SEH

HOMETOWN R E A L T Y

Brokered By eXp Realty DRE #01878277

HAPPY

2024!

A note from Mary...

I hope this finds you having enjoyed a wonderful and warm holiday season. As we reflect on the past year and set new goals for 2024, real estate is a topic of many family conversations.

If you are thinking about buying or selling a home it is important to look at what has happened in the last 12 months and what we can expect for the housing market in 2024. In 2023 we saw higher mortgage rates, lack of consumer confidence, confusing national headlines and a lack of inventory of homes locally which combined together created uncertainty in the market.

The 4th quarter ended up being sluggish with some buyers taking advantage of a slowing market and less competition with the hope of refinancing in 2024 to a lower interest rate. We saw some sellers lowering prices/removing their homes from the market due to lackluster activity.

As I predicted in my last letter, the Fed did announce plans to pivot on interest rates in 2024 and has gone so far as to publicly say they will reduce rates at least 3 times in the coming 12 months. Again, with 2024 being an election year, this was expected considering historical trends. Some experts and economists are conflicted if that will be Q1 or Q2 but just the news alone did bring some initial softening of mortgage rates.

In San Diego County, inventory will continue to be the main concern.

Should more people look to buy and demand increase, we could see the lack of homes for sale drive prices up again. While many have talked about the “hunkering down” phase of sellers no longer moving for desire, such as a pool or ocean view, life and family needs have not stopped. The need for more space, less space, work and family continue to drive the majority of real estate decisions.

As we have spoken to many of our clients over the past few months, the conversation mostly has turned to equity. While they may not have a need or desire to move, the equity that they have built up in their home is something to explore. As the yearly financial and tax conversations begin, real estate should definitely be part of that mix. Is this the right time to pull some equity and buy an investment property? Short term or long term? Developing a self directed real estate 401k strategy or maybe looking ahead to funding your retirement plans.

The shift from “What is my home worth?” to “Is my equity safe?” has been a common theme. I would like to propose creating some opportunities for your family through wealth building in real estate. I know not many people talk about this, but I am passionate about this topic.

Imagine utilizing the equity you have in your home and purchasing an investment property for your children. Depending on their age,

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at the time they are ready for college or to create their own business venture, that property could either fund the plan, be used as collateral or a place for your child to move into when the time is right and someone else has been paying down the mortgage and building equity. There are so many possibilities with this strategy.

If you consider the equity that real estate has built overall for the past 20 years, even through its ups and downs, what could it be looking ahead to the next 20 years? It is the one regret I do have in real estate, not buying more properties for our family sooner. No one sat me down in the beginning of my career to talk about wealth building through real estate. As I celebrate 20 years in this industry I want to help change that conversation for other families.

When discussing your goals for 2024, I would be honored to be included in your discussions about real estate, equity management, your short and long term goals and creating certainty for your future plans. Call 760-798-1784 or email me at mary@my-hometownrealty.com to schedule a consultation.

Scan the QR code for a FREE preferred equity report on your home.

Wishing you a WONDERFUL

2024!

Mary Maloney, USN Veteran Founder & Team Leader Hometown Realty

GET YOUR

Free Preferred Equity Report

scan me

MyHometownValue.com

Dear Neighbor,

760.798.1784

MOMSTOWN • JAN/FEB 2024

Letter from momstown!

If you’d like to showcase your business and advertise with MomsTown, please reach out to Mary or Heather to give your business a boost in 2023!

Heather@MomsTown.com OR Mary@MomsTown.com.

Happy New Year!

The New Year seems to get a lot of us thinking about how to make it a great year. So, are New Year’s Resolutions a good thing? On page 4, we explore the pros and cons of committing to resolutions; and for those of us who simply can’t resist good ol’ fashioned goal setting, we’ve included a couple of tips for increasing our chances of setting realistic resolutions.

Setting goals and promising we will follow through is kind of like committing to going to the gym, it can be a tough promise to stick to. We all know the enthusiasm and commitment wanes (pretty quickly) so, read on and we wish you all the best in achieving your goals and your dreams!

Also in this edition, How Mom Made It! features Hometown Realty’s Mary Maloney. Mary has spent more than two decades dedicated to serving the San Elijo Hills community. When her family moved to SEH, the population sign read “0.” Wow, times have changed! You’ll find her story and advice for aspiring mom entrepreneurs on pages 12 & 13.

Next up, Sex and the City might have Carrie Bradshaw for fashion inspiration, but we’ve got our own Carrie! San Elijo Hills resident and fashion expert, Carrie Harkin researched Fashion Trends for 2024 Sequins, peplums, and belts, oh my! Carrie delivers the latest fashion forecast for the New Year. The latest trends are fun and festive but for the more conservative soul– Carrie’s tossing in examples of tried and true classic fashions. To read more about fashion for 2024, turn to page 15.

MomsTown recently launched its latest podcast featuring the creativity and ingenuity of moms.

Living a long life sometimes doesn’t get the real attention it deserves.

We get so busy in the day-to-day grind that we might not pay enough attention to what it takes to live a long, healthy and purposeful life. In recent years, Blue Zones have gained a lot of attention. These are the zones identified by National Geographic researcher and author, Dan Buettner, as the areas in the world that have more people living over the age of 100 than other places in the world. The topic of longevity is sparking all kinds of discussions about how to live longer. On page five, we are starting the conversation with a few healthy tips.

MOMSTOWN PRESENTS:

When it comes to the health of your bank account, discover how a tiny notebook can have an enormous impact in your financial life. You won’t want to miss this article on page 11.

Heather@MomsTown.com OR Mary@MomsTown.com

Be sure to dive into our protein-powered recipes on page 19 and a few nutty recipes on page 21 — healthy and delicious!

How Mom Made It! Stories, Expert Tips & Secret Little Gems for Success If you, or someone you know, would be a great guest, please share!

SEND GUEST SUGGESTIONS & TOPIC IDEAS TO:

TUNE INTO MOMSTOWN’S FLAGSHIP SHOW: MomsTown365 — Go to MomsTown.com

Finally, from all of us at MomsTown, as we head into 2024, we wish you and your loved ones a very happy, healthy and purposeful 2024!

Warmly,

Heather & Mary

LOCAL UMBRELLA MEDIA publication San Diego CA

PUBLISHER

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Inspired Media, Inc.

Heather@MomsTown.com OR Mary@MomsTown.com

Reproduction or duplication of any part herein requires written permission from Publisher (Inspired Media, Inc).

All information herein is correct to the best of Publisher’s knowledge as of publication date. Corrections should be forwarded to Publisher at: PrintingandMail@gmail.com.

Paid advertisements or advertorials herein are not endorsed or recommended by Publisher; therefore, Publisher shall not be held liable for business practices of advertisers. Publisher or MomsTown, Inc. not liable for images or content accepted in good faith.

MOMSTOWN • JAN/FEB 2024

3

THE PROS & CONS OF MAKING NEW YEAR'S RESOLUTIONS 4

As we approach 2024, many of us are reflecting on the past months and starting to think about setting goals for the upcoming year. New Year's resolutions are a tradition for millions around the world, but they come with both advantages and challenges.

PROS OF MAKING NEW YEAR'S RESOLUTIONS

1. Provides Clear Objectives: New Year's resolutions

offer a chance to set clear and specific goals. This clarity can motivate individuals to take concrete steps towards achieving their objectives.

2. Boosts Self-Improvement: The tradition

2. Create a Step-by-Step Plan: Break down your goal into smaller, manageable steps. If your resolution is to run a marathon, start by running short distances and gradually increase your mileage.

3. Set Measurable Goals: Make your resolutions

measurable so you can track your progress. This will help maintain motivation and provide a sense of accomplishment.

4. Build in Flexibility: Life is unpredictable. Be prepared to adjust your goals as necessary without viewing it as a failure.

encourages self-reflection and prioritization of personal growth. Whether it's adopting healthier habits, learning new skills, or improving relationships, resolutions can lead to significant personal development.

5. Find Accountability Partners: Share your goals with friends or family who can provide support and encouragement. Consider joining groups with similar objectives.

3. Increases Accountability: Setting resolutions can create a sense of accountability, especially if shared with friends or family. This social aspect can provide additional motivation and support.

6. Celebrate Small Victories: Acknowledge and

CONS OF MAKING NEW YEAR'S RESOLUTIONS

1. High Failure Rate: Statistically, a large number of resolutions are abandoned within the first few months of the year. This can lead to feelings of disappointment and decreased self-esteem.

2. Unrealistic Expectations: People often set overly ambitious resolutions without a realistic plan to achieve them. This can result in frustration and the abandonment of goals.

3. Pressure and Stress: The pressure to make

celebrate your progress, no matter how small. This reinforces positive behavior and keeps you motivated.

7. Reflect and Adjust Regularly: Regularly review

your goals and progress. Be honest with yourself about what’s working and what isn’t, and be willing to make adjustments.

8. Focus on Habits, Not Just Outcomes: Concentrate

on developing new habits that lead to your goal, rather than fixating solely on the outcome. This makes the process more enjoyable and sustainable.

9. Be Patient and Kind to Yourself: Remember that

change takes time. Be patient with your progress and kind to yourself when faced with setbacks.

significant changes simply because it’s a new year can create unnecessary stress. This can be counterproductive and lead to burnout.

10. Remember the ‘Why’: Keep in mind the reasons

TIPS FOR MAKING ACHIEVABLE RESOLUTIONS

Setting New Year's resolutions can be a powerful tool for personal growth and improvement. By approaching these goals realistically and with a well-thought-out plan, you can increase your chances of success and make the most of the year ahead.

Here are some tips to make resolutions more achievable:

1. Be Specific and Realistic: Instead of vague goals like “lose weight,” set specific targets like “lose 10 pounds by June.” Ensure your goals are realistic and attainable within the set timeframe.

behind your resolutions. This deeper understanding can provide motivation during challenging times.

MOMSTOWN • JAN/FEB 2024

LONGEVITY MOMS:

EMBRACING "BLUE ZONES" SECRETS FOR A HEALTHIER, HAPPIER LIFE In the quest for living a long and happy life, the world has turned its attention to the "Blue Zones" — areas where people live exceptionally long and healthy lives. Inspired by the book, “Blue Zones, Lessons for Living Longer from People Who’ve Lived the Longest,” by Dan Buettner we are examining how moms can adopt the principles for themselves and for their families.

LONGEVITY MOMS: A MOTHER'S GUIDE At the heart of longevity are key pillars: purpose, diet, physical and mental strength, and community. For moms, purpose often transcends personal well-being, focusing on nurturing and supporting their families.

This altruistic drive can be a powerful motivator for adopting healthier habits.

DIET: THE CORNERSTONE OF HEALTH A diet rich in whole foods, vegetables, fruits, and whole grains, commonly found in Blue Zones, is vital. This nutritional path not only fosters physical health but also sets a positive example for children.

6. Prioritize Sleep: Ensure you get enough rest. Good sleep is fundamental for health.

7. Hydrate Adequately: Drink plenty of water throughout the day, and limit high-sugar or caffeinated beverages.

8. Social Connections: Nurture friendships and seek out community

groups or activities that align with your interests.

9. Lifelong Learning: Keep your mind active with books, courses, or

new hobbies.

10. Laugh and Love: Embrace joy and show love freely. Laughter and affection are powerful medicines.

PHYSICAL & MENTAL STRENGTH: A BALANCED APPROACH Regular physical activity, whether it's gardening, walking, or yoga, is essential. Equally important is mental well-being. Practices like mindfulness and meditation can help moms manage stress and model emotional resilience for their children.

THE POWER OF COMMUNITY & FRIENDSHIPS Blue Zones teach us the value of strong social ties. For mothers, building a network of supportive friends and being active in the community can provide emotional support and a sense of belonging.

10 TIPS FOR BLUE ZONE LIVING

1. Discover Your Purpose: Reflect on what brings joy and meaning

beyond daily tasks. This could be a hobby, volunteering, or a career goal.

2. Plant-Based Diet: Incorporate more plant-based meals into your family’s diet. Start with one meatless day a week.

3. Family Meals: Make mealtime a family affair, encouraging

involvement in meal preparation and using this time for bonding.

4. Stay Active: Integrate physical activity into your daily routine. Even short walks or dance sessions with your kids can make a difference.

5. Mindfulness Practice: Dedicate a few minutes each day to

mindfulness or meditation to cultivate mental strength.

In conclusion, mothers striving for longevity can draw a lot of inspiration from Blue Zones. By focusing on purpose, diet, physical and mental wellbeing, and community connections, moms not only enhance their own lives but also set a vibrant example for their children. Living like you're in a Blue Zone isn't just about adding years to life, but life to years, for you and your loved ones.

Dan Buettner, an explorer, National Geographic Fellow, and awardwinning journalist, is renowned for his groundbreaking work on longevity.

His quest to understand the secrets of long life led him to the "Blue Zones," regions with the highest concentrations of centenarians in the world.

For more info visit BlueZones.com Be sure to head over to MomsTown and sign up for the newsletter.

A new podcast titled, “Longevity Moms” is launching Spring 2024!

MOMSTOWN • JAN/FEB 2024

5

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erings and resolutions. Family gatherings can bring both joy and stress. Thinking ahead to our goals for the next year, we often focus on self-improvement or showing up for other people in our lives.

But there is one action that accomplishes both and can improve our mental health significantly: Deepening connection. The advice here can apply to any space or time, but can create connection and lessen conflict at the holidays.

YOUR GUIDE TO CONNECTED CONVERSATIONS

NURTURING MENTAL HEALTH IN 2024 8

It's the season for family gath-

"Social connection is a fundamental human need, as essential to survival as food, water and shelter," wrote Surgeon General Vivek H. Murthy, in his recent advisory Our Epidemic of Loneliness and Isolation. He shared the sobering fact that research shows that social disconnection is as bad for our overall health as "smoking up to 15 cigarettes a day," and emphasized that "Our individual relationships are an untapped resource - a source of healing hiding in plain sight.

They can help us live healthier, more productive and more fulfilled lives."

This year, The Jed Foundation (JED), which is focused on promoting mental health and preventing suicide for our nation's teens and young adults, is offering concrete ways to start important and vulnerable intergenerational conversations that are the foundation of strong, supportive relationships. They can also be life-changing and sometimes - life-saving.

Suicide remains the second-leading cause of death among 10- to 34-year-olds in the U.S., but it is preventable.

Everyone has three key tools they can use to support young people: showing up, being willing to have hard conversations, and listening deeply. Being able to talk openly about suicide opens the door through which people find help.

"One of the best ways to care for your emotional health, and the emotional health of those around you, is by connecting to people you care about," said Dr. Katie Hurley, DSW, a child and adolescent psychologist and Senior Clinical Advisor at JED. "Through social connectedness, you can create a solid foundation for mental well-being."

Dr. Hurley suggests two ways to create a supportive environment along with conversation starters - from the everyday to the philosophical - that can be building blocks for more connected, enjoyable and mentally healthy family gatherings now and in the year ahead.

CONVERSATION STARTERS TO SPARK FAMILY CONNECTION

MAKE SPACE FOR CONNECTION IRL

TEENS TO TEENS:

Create boundaries for social media use as a family. Prioritize spending time with people in person. These face-to-face interactions help to foster authentic connections and allow you, your young people, and others in your circle to share the joys and challenges you are experiencing.

* What's something you wish your family understood about you?

STEP OUTSIDE YOUR COMFORT ZONE

* Do you have a go-to thing you do when you're feeling down?

Being vulnerable with the people you trust in your life will help strengthen your bonds and support network. As a parent, caregiver or caring adult, admitting that you're struggling mentally and emotionally can feel difficult, but there's a pay-off. Acknowledging challenges makes them feel more manageable and encourages the same openness in the teens and young adults in your lives. This shows them the power of being open and honest. It's equally important to share the things you do to cope with difficult moments.

CAREGIVERS TO TEENS: * What is something you and your friends know more about than the adults in your lives? * If you could plan a family trip - on an unlimited budget where would we go and what would we do? * If you could host a dinner for six people you admire the most, who would they be? * If you could fix one problem in the world right now what would it be? * What is something people don't usually know about you when they first get to know you?

TEENS TO CAREGIVERS: * What's one mistake you made that you were afraid for other people to find out about? * What's one thing my generation has that you wish you had when you were my age? * Who was your go-to person when you were growing up? * What helps you relax when you are feeling stressed? * Name one of your most embarrassing moments when you were my age.

* What's your favorite TikTok account when you want to check out for a bit?

* How do you like people to support you when you're having a hard time? * Would you rather go to a big party and meet lots of new people or gather with a small group of friends at home?

To learn more about how you can invest in your mental health and that of the young people in your life, visit JED's Mental Health Resource Center and check out JED's Guides to having tough - but important - conversations. For example, 10 tips to start a conversation with your teens about their mental well-being.

For media inquiries or interview opportunities, please contact Justin Barbo, Director of Public Relations at JED at justin@jedfoundation.org.

MOMSTOWN • JAN/FEB 2024

4 TIPS TO MIND

YOUR MENTAL HEALTH IN There’s never a bad time to commit to managing your mental health, but the new year tends to make wellness a bigger priority. Wellness resolutions often focus on diet and exercise, but taking steps to improve your mental well-being is equally important.

In fact, your mental health can play a critical role in your physical health.

Stress, anxiety and other manifestations of mental and emotional distress can trigger physiological responses in your body that may erode your health over time. For example, if you’re continually under a high level of stress, chances are your blood pressure runs higher than it should, and that in turn poses a risk for heart disease and related conditions.

2024

4. SLEEP MORE Getting enough sleep means 7-9 hours each night, according to most experts, as it’s one of the best ways to protect your overall health and ensure you’re in the right frame of mind to approach the day. When you’re sleep deprived, you’re less capable of problem-solving, making decisions and managing your emotions and behavior. Studies have also shown poor sleep habits are linked to depression, anxiety, bipolar disorder and other mental health conditions. If winding down is an issue, try creating a bedtime routine that makes it easier to get to sleep.

As you turn the page toward 2024, renew your commitment to selfcare and managing your mental health with these tips:

1. SET REALISTIC GOALS Having something to work toward and look forward to is a healthy way to occupy your mind. Decide what you’d like to achieve this year and identify milestones toward your ultimate goal. Celebrating when you achieve each milestone can keep you motivated and help measure your progress along the way.

2. NURTURE PERSONAL

RELATIONSHIPS

Loneliness is a major contributor to mental health struggles, and having even a couple close relationships can help provide you with an essential sense of connection and belonging. Whether you talk in person, by video or text, make time to talk to family and friends. If you find your circle is smaller than you’d like, try taking a class or joining an organization where you can meet others who share your interests.

Find more tips to promote healthy living at eLivingtoday.com

3. ALLEVIATE STRESS A little bit of pressure can push you to do your best, but living in a constant state of stress can be bad for your health. Take time to understand your stress triggers and actively work to avoid them.

If that’s not fully possible, dedicate a portion of each day to de-stressing and clearing your mind. You might choose meditation, exercise, reading or listening to music, all of which let you relax your mind and focus your attention on something else.

MOMSTOWN • JAN/FEB 2024

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MELINDA STAAB Social media has become a primary marketing tool for entrepreneurs and small business owners (SBOs). With millions of daily active users and limitless opportunities for engagement, social media platforms provide effective, lowcost marketing opportunities to promote products and services, connect with customers, and build brand loyalty.

MS Marketing & PR

Small Business Corner NEW YEAR NEW BUSINESS?

Melinda Staab MS Marketing Melinda.Staab@gmail.com

ON AVERAGE, THERE ARE 4.4 MILLION NEW BUSINESSES LAUNCHED EACH YEAR (UP ALMOST 40% FROM PREPANDEMIC YEARS). STARTING A SMALL BUSINESS CAN BE AN EXCITING PROSPECT, BUT BEFORE DIVING HEADFIRST INTO THE ENTREPRENEURIAL WORLD, OR STARING A NEW VENTURE, LET’S FIRST TEST THE VIABILITY OF YOUR BRILLIANT IDEA AND MAKE SURE THAT YOU’RE SET UP FOR SUCCESS!

DETERMINING IF YOUR SMALL BUSINESS IDEA IS TRULY VIABLE

5. Flexibility, balance & buy-in Assess the flexibility of your business idea in relation to your other personal and professional commitments. Opt for a business that aligns with your lifestyle and allows you to balance life and family responsibilities while pursuing your entrepreneurial goals. And get buy in from your family members. You may need extra helping hands at home for you to make ramping up your new business baby a priority. Being adaptable, finding a rhythm that suits your family dynamics and having at-home support are all key to sustaining your business in the long term.

Cheers to a healthy, happy and successful 2024! May this be the year that you brave new waters and chart new courses. Your community here at MomsTown will cheer you on every step of the way!

1. Do your market research Start by defining your niche and identifying your target audience.

Understand their needs, preferences, and pain points. Analyze your competitors to assess what they offer and how your idea can differentiate itself in the market. You can conduct surveys, gather feedback, and analyze trends to ensure that there is a demand for your product or service. Thankfully, there are dozens of free, or lowcost ways, to do all of this!

2. Test your idea Testing your idea locally can provide valuable insights. Start by selectively offering your products or services (free or discounted) to your community, friends, or local markets. Engage in conversations to gather feedback and understand what resonates with your audience. The response from potential customers will give you insights into whether your idea has the potential to attract paying customers.

3. Budget Budgeting is a crucial factor for any new small business owner.

Create a simple financial plan outlining your startup costs, operational expenses, and potential revenue. Running some simple numbers can tell you your break-even point, and what you’ll need to produce for your business to turn a profit. Consider cost-effective marketing strategies like social media or community events to promote your business without breaking the bank.

4. Leverage your network As a woman, you have a vast network of other women, parents and community members. Use this network to help spread the word about your business. Word-of-mouth marketing can be a super powerful tool in the initial stages. Engage with local groups (Women’s Clubs, parenting groups, small business owners, etc.), participate in events, and collaborate with other solopreneurs to expand your reach.

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MOMSTOWN • JAN/FEB 2024

HOW A TINY POCKET NOTEBOOK CAN CHANGE YOUR LIFE IN A BIG WAY

by Li Tian, PH.D., CFP®

In 1990, with a Teaching Assistantship from New York University as a Ph.D. student, I came to the USA. Financially, that cost ALL of my parents’ life-savings, and put my family in debt for twice as much. I became an “extreme saver” and on a $12,000 stipend, and paid all the debts back within a few months. But years later, with professional growth, the demand of a growing family, combined with the pull of the great American marketing machine, I started to indulge myself and my family in gadgets, clothes and skincare!

Sure I was still saving some, but I lost accounting for how much I was spending, or on what. So in 1999, we hired a financial advisor, who gave me a 30-day assignment to identify what, where, how, and why we were spending our money. I carried a little notebook and an Ikea pencil everywhere I went. Every time I was ready to spend money, I had to write it down. A few days into it, I started to pause when I went for that notebook — do I really need to buy this? And I started to put the item back down instead of going through the hassle to find my notebook. Then I started to go to the store less. 30 days later, I was shocked that I spent nearly $500 less than the month before.

5. Quality over quantity When you do decide to pay for an item or an experience, make it last.

Quality items and experiences will enhance your lives, and reduce the need to buy more or more often. In the long run, quality in important areas could save money and make your lives more enjoyable.

6. Make savings fun Watch your savings grow, invest responsively to grow even faster. Set targets and reward yourself a little when you reach major milestones!

Today, I’m a financial advisor helping others to plan, save, and invest for their retirement and futures. And I share the “little notebook” assignment with some of my clients, who are equally as thrilled with the realizations 30 days into the exercise.

I want to share a few tips for the New Year to help you strengthen your budgeting skills and build a stronger financial foundation:

1. Set a financial plan We make plans for vacations to make it more enjoyable. We have plans at work to be more successful. So if we want to be financially free one day, we need to invest in a solid and evolving financial plan. Assess where you are, set goals, and develop a roadmap, and adjust course along the way.

2. Pay yourself first Consider spending as giving money to someone else. A grand for that shiny new iPhone, a few thousand dollars to visit that exotic country, or just a cup of Joe from Starbucks on our way to work.

Why not pay yourself first? Save what you need to save first, and then decide who else you’d like to pay for their goods or services with the rest of your income.

7. Remember...

3. Eliminate high-interest debt

Many of the treasures in life can be free! Spending quality time with friends and family, or gift something you made maybe more treasurable than giving an expensive gift.

High interest (like credit card) debt doesn’t give you anything or any good experience – get rid of it! Or better yet, auto pay each month’s balance in full and stay away from such bad debt.

4. Buy only what's important to you Only pay for things and experiences that can leave a long-lasting impact to enhance your life. How do you know if it is important? Time can help. Don’t be in a rush to part with your money! Leave that item on your notebook, or in your online shopping cart, for a few days. If it is still important, buy it then. Chances are, many of them might not be after the moment is over.

MOMSTOWN • JAN/FEB 2024

Overwhelmed? Get help from a qualified professional. Just like a GPS helps you to navigate through the roads to arrive at your physical destination, a good (and properly updated) financial plan can help you get that confidence and help you to arrive at your financial destination as well.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.

11

Mary Maloney

Mom HOW

MADE IT

HAPPY SERVING OUR COUNTRY & COMMUNITY

2024!

A note from Mary...

I hope this finds you having enjoyed a wonderful and warm holiday season. As we reflect on the past year and set new goals for 2024, real estate is a topicmom, of many family conversations.

Navy Veteran,

& local realabout estate expert Ifwife you are thinking buying or selling a home it is important to look at what has happened in the last 12 months and what we can expect for the housing market in 2024. In 2023 we saw higher mortgage rates,in real lackestate! of consumer confidence, confusing She’s celebrating 20 years The owner of national headlines andisaringing lack in ofthe inventory Hometown Realty, Mary Maloney, New Yearof homes locally which combined together created uncertainty the market. with lots of reasons to celebrate.

Mary and her team haveinspent the past couplethof decades serving individuals and families The 4 quarter ended up being sluggish with some buyers taking with their real estate needs and also serving the members advantage of a slowing market and less competition with the of our community with their basic needs.

Realty hope of refinancing in 2024 to aHometown lower interest rate. We saw some has donated more than 50,000 meals to Feeding America, sellers lowering prices/removing their homes an from the market organization dedicated to ending hunger in America. due to lackluster activity.

AstoI serving predicted my last letter, the spent Fed did announce plans to In addition our in community, Mary also years pivot on interest rates in 2024 and has gone so far as to publicly serving our country. Mary is a veteran of the United States Navy. say2024, theywewill reduce rates at for least 3 times in the coming As we start wanted to thank Mary her service 12 ask months.

Again, 2024 being an about election and to also this busy momwith and business owner her year, this was expected historical trends. experts journey, what she’s considering looking forward to in the New Some Year and her and economists are conflicted if that will be Q1 or Q2 but just the news alone advice for other moms on their paths to success. did bring some initial softening of mortgage rates.

MOMSTOWN: We understand you’ve built a life around In San Diego County, inventory will continue to be the main concern. service. AShould lot of neighbors know you local realtor but we could see more people look to as buytheir and demand increase, might notthe know career started United lackyour of homes for salewith drivethe prices upStates again. While many have Navy. Please share your in the military howno it longer moving talked about thebackground “hunkering down” phase ofand sellers brought you San Diego. for to desire, such as a pool or ocean view, life and family needs

have not stopped. The need for more space, less space, work MARY: I grew up in acontinue small town in Arkansas and enlisted the decisions. and family to drive the majority of realinestate United States Navy my senior year of high school. My first duty Asaboard we have to Cod, many of three our clients over the past few station was the spoken USS Cape I did West Pac months, the conversation mostly has turned to equity. While tours and served during Desert Storm. This is where I met my notahave need orserved desireforto20move, husband, they Brian,may he was Navy aDiver and years.the equity that they have built up in their home is something to explore. As I re-enlisted in the war zone and was transferred to Miramar the yearly financial and tax conversations begin, real estate where I continued to work in communications. I transitioned out should definitely be part of that mix. Is this the right time to of the Navy in 1995 and our daughter Taylor was born in August pull some equity and buy an investment property? Short term or of that year. long term? Developing a self directed real estate 401k strategy

or maybe looking ahead to funding your retirement plans.

12

The shift from “What is my home worth?” to “Is my equity safe?” has been a common theme. I would like to propose creating some opportunities for your family through wealth building in real estate. I know not many people talk about this, but I am passionate about this topic.

Imagine utilizing the equity you have in your home and purchasing

at the time they are ready for college or to create their own busine venture, that property could either fund the plan, be used a collateral or a place for your child to move into when the time right and someone else has been paying down the mortgage a building equity. There are so many possibilities with this strateg

If you consider the equity that real estate has built overall for t past 20 years, even through its ups and downs, what could it be loo ing ahead to the next 20 years? It is the one regret I do have in r estate, not buying more properties for our family sooner. No one s me down in the beginning of my career to talk about wealth buildi through real estate. As I celebrate 20 years in this industry I want help change that conversation for other families.

When discussing your goals for 2024, I would be honored to included in your discussions about real estate, equity manageme your short and long term goals and creating certainty for your future plans. Call 760-798-1784 or email me at mary@my-hometownrealty.com to schedule a consultation.

Scan the QR code for a FREE preferred equity report on your hom

Wishing you a WONDERFUL

2024!

Mary Maloney, USN Veteran Founder & Team Leader Hometown Realty

GET YOUR

yHometownValue.com

MARY MALONEY

Dear Neighbor,

Free Preferred Mary & Brian Equity Report Desert Storm Persian Gulf

MOMSTOWN • JAN/FEB 2024

MOMSTOWN: San Elijo Hills has grown so much over the years.

What brought you to SEH and what changes have you seen in SEH?.

MARY: We were living in Bonita when I saw an ad in the Sunday paper for the Highest Point in Coastal North County called San Elijo Hills. We purchased our home in 2000 in Acacia built by Shea. There was just a catering tent at the entrance to the community that served as the “Visitors Center.” There were large plywood cutouts showing where the fountain would eventually be as well as the school and the grocery store. The population sign said 0. I remember there were 75 people at the first Oktoberfest event. Over the years watching our community grow into an idyllic small town has been very fulfilling.

Entering real estate in 2004, it has been an honor to be part of the community fabric in that growth. We recently purchased our mixed use unit where our office currently is and to own a piece of the town center is a dream come true for me.

MOMSTOWN: What does it take to build a real estate business; and any tips you might have for someone considering a career in real estate?

Mary & her first clients, Erich & Amy Broesel, fellow San Elijo Hills founding family | February 2004 MOMSTOWN: SEH has a lot of mom creators and entrepreneurs, what tips do you have for them to stand out with their business?

MARY: I don’t think there has ever been a more exciting time for MARY: Real estate has been a very rewarding career choice, but it mompreneurs. As a working mom myself, I was applauded by one can also be challenging at times due to external factors beyond our group while criticized by another but times have changed. I see control. Always being focused on where the market is going, not so many creative and talented women being able to promote their where it currently is has been one of the biggest keys to our success. businesses for little cost and develop their passions while staying With my recent acquisition of Lake & Coast Real Estate at Lake San home with their children. Social media has really changed the game.

Marcos, we are growing and diversifying our markets. For anyone I would encourage anyone thinking about turning their passions into considering a career in real estate, I would highly recommend joining a business to take a leap of faith and go for it. a team. With all of the various lead channels, marketing opportunities and business pillars, you have a better chance of success by leveraging the assets of a team versus building it all from scratch.

connect withMary MOMSTOWN • JAN/FEB 2024

WEBSITE: hometownnorthcounty.com Instagram: @marymaloney

13

CRADLE TO COLLEGE: MUSIC EDUCATION FOR LOCAL KIDS 14

Get to know KeyNote and its family of music education programs. Built on our flagship, San Diego Youth Symphony, KeyNote has been serving families across San Diego for nearly eight decades with their cradle-to-college music curriculum.

For your youngest musicians, KeyNote offers ChIMES, a program for babies, infants and toddlers and their caregivers, that offers joyful, inclusive musical learning focusing on the developmental period from ages 0-5. It promotes school readiness and creates pathways for children to participate in music by developing motor, social, literary and language skills in a welcoming and inclusive environment. You’ll meet guest musicians, learn about their instruments, and discover a culturally rich array of music and activities as you sing, dance, move, and play with your child. Four to eight-week sessions are offered throughout the year in Balboa Park and Liberty Station. There are also monthly workshops at the Encinitas Public Library (first Thursday of each month). For more, visit www.sdys.org/chimes

7-18, who range in experience level from beginner through advanced. Students rehearse every weekend and perform in their groups at least twice per year. There are also a variety of other opportunities to support musical learning. It’s a wonderful opportunity to perform great music, make new friends, and create lifelong memories.

Enrollment opens in April and auditions are open through early June. Tuition assistance and scholarships are available because we believe that financial need should never be a barrier to entering our programs or to following your music dreams.

For children ages 5-7, KeyNote offers Music Discovery, which promotes musical learning and literacy in children who have yet to start lessons on a musical instrument. The program supports school readiness and builds on any previous musical experiences, including ChIMES. Music Discovery is a two-year curriculum. The first year focuses on musical learning such as note reading, part singing, and rhythmic activities. Xylophones, hand drums, and other percussion instruments are used in every class. Year Two expands on year one by introducing the families of musical instruments and giving children hands-on experiences, setting the stage to join a musical ensemble, such as our youth orchestra program. Enrollment opens in April and space is limited. For more visit www.sdys.org/ music-discovery.

KeyNote’s flagship program is San Diego Youth Symphony (SDYS), which has served thousands of young musicians for nearly eighty years. SDYS has 12 orchestras and bands for children ages

For more info visit www.sdys.org

MOMSTOWN • JAN/FEB 2024

Curious what fashion is going to look like for 2024? I’ve got you! I’ve sifted through and picked out the 5 most attainable and wearable trends for 2024. However, I do have to say my peace on trends. On one hand, they’re an easy way to inject fun and personality into your wardrobe. On the other hand, they're fleeting and not always a great investment. I don’t like to push trends nor encourage my clients to go out and buy into them. However, I do think it’s important to know what they are so you can decide for yourself if any of them speak to you.

CARRIE

HARKIN PERSONAL STYLIST

WHEN DONE INTENTIONALLY, TRENDS ARE A FUN WAY TO STAY CURRENT AND REFLECT YOUR PERSONAL STYLE

2024 FASHION FORECAST

If you love the idea of injecting a little trend into your wardrobe but don’t know how or simply need help identifying your personal style, email me at carrie@carrieharkin. com for an in person color consultation and wardrobe session. I love to help my clients express themselves through clothes!

SEQUINS & METALLIC These textures in either silver or gold are a fun and opulent way to create interest with your outfit. However, don’t save them for a special occasion. Wear them during the day for a work event, a dinner date or hosting an intimate party at home. A stylish way to wear this trend is a metallic pant or sequin skirt paired with a classic top such as a white button up, a simple sweater or fitted t-shirt. Or go small with an accessory such as a metallic shoe or sequin bag. Check out Mango’s metallic pants, Aqua’s sequin skirt and Sam Edelman’s wide variety of metallic shoes.

ELEVATED PEPLUMS We all remember peplums from 2010. For 2024 peplums are back but in a modern and elevated way. You’ll see them in tops but also blazers and jackets. Peplums can be extremely flattering on most body types however the proportions need to be right for your body. Make sure the peplum flounce isn’t too short and hits you at a flattering point. Joie and Ted Baker are a couple of brands that are doing this well now, however, once we get into 2024 you’ll see a lot of other brands offering really lovely options.

BELT IT Interesting fact: a majority of my clients didn’t own a belt (or one they’d wear) when I started working with them. However, I immediately fixed that because belts are back! They are a great way to elevate and pull your look together. Wear them with jeans, trousers, a dress or over a blazer. For 2024 you can have fun with all kinds of belts classic leather, chain, wrap, obi style, braided.

Whenever in doubt just belt it! J. Crew, Shopbop, and Amazon are great resources for belts.

same idea. This trend is about embracing the basic/classic silhouettes such as a crisp button up, straight leg jeans, tailored suiting, cashmere sweaters, ballet flats, etc. then creating an outfit around them. A few brands that do this effortlessly are J. Crew, Club Monaco and Theory.

BLUE & BURGUNDY There are a few color stories to know for 2024. Saturated primary colors are definitely important but a couple others which will show you are “in the know” are blue and burgundy. For the Spring season it’s shades of blue, in particular aqua, chambray blue and marlin denim blue. For the Fall season it’s burgundy - a continuation of the red trend but in a deeper, more purplish shade. Interesting fact: a majority of my clients didn’t own a belt (or one they’d wear) when I started working with them. However, I immediately fixed that because belts are back! They are a great way to elevate and pull your look together. Wear them with jeans, trousers, a dress or over a blazer. For 2024 you can have fun with all kinds of belts - classic leather, chain, wrap, obi style, braided.

Whenever in doubt just belt it! J. Crew, Shopbop, and Amazon are great resources for belts.

carrieharkin.com IG - @carrieharkinstyle

CLASSIC DRESSING This is a “trend” that really isn’t a trend at all. For many the classic aesthetic is your go-to way of dressing, well, now you’re in luck! We’ve all heard of “quiet luxury”. Classic dressing plays off the

MOMSTOWN • JAN/FEB 2024

15

WE ARE YOUR

I

Our Promise to you

IS

LEAVE IT OU

R HO

T ME

O

When you purchase a home with our team at Hometown Realty and you decide to sell that home for any reason within the first 12 months of your closing date through us, we will sell your home with ZERO listing commission.

This is our Love It or Leave It Guarantee to you!

We are committed to your happiness and enjoyment of your new home here at Hometown Realty.

Call us to discuss 760.798.1784

We are Hiring!

Smart Move. Good People.

Certain restrictions apply. Ask for details.

TH

S

N

OR

•

W

•

LOVE IT

Hometown Realty

HOMETOWN R E A L T Y

We are growing! We are currently looking for seasoned agents as well as newly licensed agents who are wanting leads, opportunities, training and benefits.

Because we are brokered by eXp Realty we have stock programs, healthcare & more. We offer competitive splits, cutting edge technology & unparalleled marketing. If you are interested in learning more, please call 760.798.1784 or email mary@my-hometownrealty.com.

16

MOMSTOWN • JAN/FEB 2024

Welcome to the

HOMETOWN FAMILY OF BRANDS New Look, Same Trusted Agents.

LAKE

& COAST

REAL ESTATE

Now Brokered by eXp Realty of California, Inc.

Heide Warren | Broker Associate

Pam Adamson | REALTOR®

Jacque Baker | Broker Associate

Kim Hearn | REALTOR®

Rosemary Winn | Broker Associate

Janet Moynihan | REALTOR®

Elaine Drake | REALTOR®

Eliane Ashford | REALTOR®

760.803.6177

760.744.9229

760.492.3884 760.716.2827

760.410.4005 760.207.1853 858.735.5518

858.750.5519

Jim Nesbitt | REALTOR® 760.822.2463

760.591.9008

LAKEANDCOASTREALESTATE.COM ULTIMATE LUXURY

MOMSTOWN • JAN/FEB 2024

760.798.1784

17

HEART HEALTH

HIGHLY RATED DIETS TO SUPPORT 18

Eating healthy is an important goal for people looking to maintain or improve their physical health, particularly as it relates to the heart. With often conflicting information available online and via social media, it may be difficult or downright confusing to find the eating plan for you.

images courtesy of Getty Images

To help navigate the maze of information — and misinformation — experts assessed and scored the heart healthiness of several popular diets. Each diet was evaluated against the American Heart Association’s guidance for a heart-healthy eating pattern, which emphasizes eating a variety of vegetables and fruits, whole grains, lean proteins (including fish, low- or non-fat dairy and plant proteins), non-tropical plant oils and minimally processed foods; avoiding added sugars, salt and alcohol; and sticking to this guidance even when you’re eating away from home.

Diets received a rating between 0-100 and were ranked in tiers, with the resulting analysis published as an American Heart Association scientific statement in the journal “Circulation.”

TIER 2: VEGAN AND LOW-FAT DIETS (SCORES 75-85) These eating patterns mostly align with heart-healthy criteria and emphasize important food groups but fell short of reaching the top tier due to limitations. ♦ VEGAN – A plant-based eating pattern that includes no animal products. Restrictions in this plan may make it more difficult to follow long term or when dining out. Following a vegan eating pattern increases the risk of some nutrient deficiencies, which may be overcome by supplements or fortified foods. ♦ LOW FAT – A diet that limits fat intake to less than 30% of total calories, including the volumetrics eating plan and therapeutic lifestyle change plan. These types of plans often treat all fats equally while the American Heart Association’s

“If implemented as intended, the top-tier dietary patterns align best with key features of hearthealthy eating and may be adapted to respect cultural practices, food preferences and budgets to enable people to eat this way for the long term,” said Christopher D. Gardner, Ph.D., FAHA, chair of the scientific statement writing committee and the Rehnborg Farquhar Professor of Medicine at Stanford University.

TIER 1: HIGHEST-RATED EATING PLANS (SCORES HIGHER THAN 85) The four patterns with the highest ratings align best with heart-healthy guidance, are flexible and provide an array of healthy foods to choose from. ♦ DASH – With a perfect score by meeting all guidance, an eating pattern similar to the Dietary Approaches to Stop Hypertension plan emphasizes vegetables, fruits, whole grains, legumes, nuts, seeds, low-fat dairy, lean meats, poultry, fish and non-tropical oils. Nordic and Baltic diets are also examples of this eating pattern, which is low in salt, added sugar, alcohol, tropical oils and processed foods. ♦ MEDITERRANEAN – This pattern limits dairy while emphasizing fruit, vegetables, whole grains, legumes, nuts, seeds, fatty fish and extra-virgin olive oil. Because it includes moderate alcohol drinking, rather than avoiding or limiting consumption, it scored a few points lower than DASH. ♦ VEGETARIAN/PESCATARIAN – A plant-based eating pattern that includes fish. ♦ VEGETARIAN/OVO/LACTO – Plant-based eating patterns that include eggs (ovo-vegetarian), dairy (lacto-vegetarian) or both (ovo-lacto vegetarian).

guidance suggests replacing saturated fats with healthier fats such as monounsaturated and polyunsaturated fats.

Those who follow low-fat diets may overconsume less healthy sources of carbohydrates, such as added sugars and refined grains. However, these factors may be overcome with proper counseling and education from a health professional.

FamilyFeatures article

To find the full results and learn more about heart-healthy eating, visit Heart.org.

MOMSTOWN • JAN/FEB 2024

POWER FOODS

Sharing a meal with family and friends brings people together, especially when favorite recipes are on the table.

WITH PEANUT PROTEIN

Whether there’s a cause for celebration or a gathering of loved ones is simply overdue, serving up delicious dishes is a sure bet to get everyone involved.

These flavorful Mexinut Dip and Asian Peanut Slaw recipes are ideal snacks and sides for the whole family. Leaning into a versatile ingredient like peanuts, which make these dishes possible, can take your gatherings to the next level. They complement a wide range of recipes from appetizers and snacks to main courses and desserts.

Plus, they contain 26% protein and fulfill approximately 30% of a 4-6-year-old’s and 26% of a 7-10-year-old’s recommended daily allowance per serving, making them a kid-favorite source of energy. They contain six essential vitamins – vitamin E, folate, riboflavin, thiamin, niacin and vitamin B6 – and seven essential minerals – phosphorus, iron, magnesium, potassium, zinc, copper and calcium.

Often referred to as “nutrition in a nutshell,” there’s a good chance your peanut supply came from the United States’ leading grower: Georgia.

With approximately 4,000 active peanut farmers, the state produces 52% of the country’s peanuts.

1 can (11 1/2 ounces) condensed bean with bacon soup 1 cup shredded cheddar cheese 1 can (10 ounces) tomatoes and green chiles 2 tablespoons finely chopped onion 1 tablespoon hot chili powder 1/2 cup peanut butter corn chips or crackers

MEXINUT

DIP

Recipe courtesy of the Georgia Peanut Commission Yield: 4 cups

In 2-quart microwave-safe container, combine soup, cheddar cheese, tomatoes and green chiles, onion, chili powder and peanut butter. Cover with glass or plastic lid.

Microwave on high 2 1/2 minutes; stir.

Microwave 2 1/2 minutes, or until cheese is melted.

Stir before serving with corn chips or crackers.

ASIAN PEANUT

SLAW

1 can (11 ounces) mandarin oranges 1/4 cup Asian sesame dressing 2 tablespoons creamy peanut butter 1/4 teaspoon crushed red pepper 1/2 cup coarsely chopped dry roasted peanuts 1 bag (16 ounces) three-colored deli slaw mix chow mein noodles Drain juice from mandarin oranges into mixing bowl and reserve oranges.

In bowl with juice, add dressing, peanut butter and red pepper; whisk until well blended. Add peanuts, oranges and coleslaw mix; toss until thoroughly coated.

Recipe courtesy of the Georgia Peanut Commission

Garnish with chow mein noodles before serving.

To find more family-friendly recipe ideas powered by peanuts visit GAPeanuts.com MOMSTOWN • JAN/FEB 2024

19

dishes is a sure bet to get everyone involved.

CROWD-PLEASING RECIPE

& 4 TIPS EVERY HOST SHOULD KNOW If you're a home chef, you know how fun and fulfilling it is to host friends and family. However, entertaining a large group can also be challenging and a bit stressful.

To help you elevate your entertaining prowess, Nick Ritchie — Signature Kitchen Suite's executive chef— has offered the following delicious recipe and four tips every home chef should know.

TIP 1 PREPARE MULTIPURPOSE BATCHES OF FOOD

Prep Time: 10-15 min' Yield: 2.5 cups

CHEF NICK'S

PARMESAN DIP

Chef Ritchie suggests cooking multipurpose batches of food like pesto, hummus ratatouille, caponata and baba ganoush, which pair well with grilled chicken, fish and meat. You can prepare and store a sizable batch of recipes up to a week ahead.

Check out this addicting parmesan dip recipe courtesy of Chef Ritchie that is sure to be a crowd-pleaser. You can serve it as a topping for fresh bread, crostini or bruschetta, toss it with pasta, spoon it over fresh sliced tomatoes, add to a salad, dollop it on steak or chicken breast, and use it as a pizza base. The possibilities are endless!

TIP 2 SOUS VIDE TO SAVE TIME Don't let the fancy name fool you. The sous vide cooking method, which has been used by world-renowned chefs for years, is just as easy for home cooks. "Sous vide" (pronounced "sue-veed") is French for "under vacuum," and it's an innovative cooking technique known for achieving the perfect temperature every time. Food is vacuum sealed, then submerged in water and slow-cooked at a constant precise temperature until it is perfectly cooked.

Sous vide has become the go-to method in the world's best restaurants for years and for good reason. It brings food to the precise temperature chefs look for and delivers perfect doneness, edge-toedge, every time with little effort.

8 ounces Parmesan cheese, broken into 1-inch chunks 8 ounces Asiago cheese, broken into 1-inch chunks 1 tablespoon chopped garlic 1 tablespoon freshly ground black pepper 2 tablespoons chopped parsley 2 tablespoons chopped basil 2 tablespoons thinly sliced scallions 1 tablespoon pepper flakes 1-1/2 cups extra-virgin olive oil

Let's say you've prepared a bone-in ribeye using the sous vide method.

As you cut into your steak, you'll notice something right away. The doneness you were hoping for goes all the way through your steak, without that gray-to-pink gradient and thin band of desired doneness that you get when simply grilling steaks.

Place the cheese chunks in bowl of food processor. Pulse for about 10 seconds to break cheese into small granules. Use a rubber spatula to scrape down and recombine between every couple of pulses.

Even better, you can use sous vide to do a "reverse sear." Sous vide will ensure your steak is cooked to the desired temperature. Then, you can put it on the hot grill for that tasty, smoky char only outdoor cooking can give you.

Using a spatula, remove all to a mixing bowl. Fold the olive oil into the blended ingredients and mix well by hand.

Baby back ribs are another popular staple that can be prepared using the sous vide method. With the perfect fall-off-the-bone doneness from the sous vide, a nice smokey finish from the grill and a brush of barbecue sauce, you'll have all-day ribs without the all-day work.

You can even make batches of sous vide cocktails and mocktails for a large group, so you don't spend your whole event mixing drinks. Chef Ritchie recommends popular libations like limoncello, an old fashioned and cherry gin.

TIP 3 EMBRACE TECHNOLOGY Technology is your friend here, so use it! Cooking and kitchen appliances can help you save time, elevate your cooking and simplify preparing and storing dishes for entertaining and everyday cooking. To make recipes shine, Ritchie advises at-home chefs to upgrade the tools and equipment — especially appliances and other must-haves they use every day. He recommends today's ultra-versatile appliances, like those from Signature Kitchen Suite, which feature multiple modalities - from steam and gas to induction and even industry-first sous vide built right into the cooktop - to deliver elevated creations and make your cooking experience easier and more successful, day after day.

20

Add the remaining ingredients except olive oil and pulse briefly.

Transfer the dip to a sealed container and refrigerate for up to two weeks.

Bring to room temperature before serving.

TIP 4 TAKE IT EASY ON YOURSELF Keep it simple. Serve your dishes buffet or family style on platters for an easier setup and cleanup.

If you plan to dine outdoors, pick up rustic or picnic-style butcher paper as a disposable tablecloth. Opt for eco-friendly, compostable plates and utensils that are attractive so you can skip washing dishes after your guests have gone home.

Impress your guests and enjoy your dinner party or get-together!

Learn more about these and other options to enhance your home cooking at SignatureKitchenSuite.com

MOMSTOWN • JAN/FEB 2024

WALNUTS A VERSATILE INGREDIENT

THAT MAKES ENTERTAINING EASY

From appetizers to desserts, the flavor and versatility of California walnuts can elevate any dish. Planning a menu for small or large groups can be a lot of work. Depending on the gathering or occasion, you may need to plan snacks, appetizers and a meal that many people will enjoy. Fortunately, you can set the stage for success and satisfy a variety of palates with California walnuts.

TIPS FOR ENTERTAINING WITH CALIFORNIA WALNUTS Walnuts are appealing and adaptable, with surprising versatility that makes them the unsung hero of the kitchen. They're well known for the buttery richness and pleasing texture they add to many traditional dishes, baked goods, garnish or topping and as a simple, beloved entertaining snack. This is particularly handy when you're entertaining. This versatile plant food, packed with a powerhouse of important nutrients, is a smart option for you, your friends and family.

Want to up the ante at your next event? Here are some additional ways to use walnuts when entertaining that you may not have thought of before: Veggie trays: Elevate your veggie tray or charcuterie board by making walnut hummus, pesto and Muhammara, a roasted red pepper dip.

Delicious snacks: Sweet and spiced walnuts are a delicious snack or entertaining staple, and can be easily packaged into a lovely host gift if you're attending a party.

Dairy-free treats: Walnuts can be used in new and innovative ways — like Vanilla Walnut Whipped Cream, a dairy-free treat topping for anything from hot chocolate to pies and cakes.

Meat alternatives: Walnuts can easily be combined in a food processor with your favorite combination of spices to create plant-based walnut meat that tastes great and is satisfying. Walnut meat is a tasty and a filling meat alternative that can be used in tacos, pasta sauces, on pizza, in stuffed peppers and more.

VANILLA WALNUT

WHIPPED CREAM

This light and airy walnut-based whipped cream flavored with honey and vanilla can be served with dessert, over berries and more. Visit walnuts.org for flavor variations. Makes 14 servings.

2 1/2 cups California walnuts, divided 1 cup water 3 tablespoons powdered sugar 1 to 2 teaspoons honey, divided 1 teaspoon vanilla extract Pinch of salt Puree 2 cups walnuts and water in a blender for 2 minutes or until very light and fluffy.

Add powdered sugar, 1 teaspoon honey, vanilla and salt and blend for 30 seconds. Add the remaining teaspoon honey if you prefer a sweeter taste.

To achieve a thicker whipped cream, add the remaining 1/2 cup walnuts and puree until light and fluffy.

Store tightly covered in the refrigerator until ready to use. May be prepared two days ahead.

BONUS TIP: LEFTOVER WALNUTS? For optimal freshness, keep them cold in the refrigerator or freezer.

Now you'll have walnuts on hand for last-minute recipes.

ENTERTAINING TIPS & MORE RECIPES

WHY WALNUTS? BOUNTIFUL BENEFITS

California Walnuts is spotlighting a custom recipe collection that showcases even more ways you can use walnuts. California Walnuts has tasty, easy recipes that will ensure your walnuts go to delicious use - regardless of the occasion. For more entertaining ideas and recipe inspiration, visit Walnuts.org

Being high in omega-3 ALA (2.5 g/oz.), walnuts are a great addition to any snack or meal. You can feel good that more than 99% of the walnuts grown in the U.S. are from the fertile soils of California's Central Valley.

MOMSTOWN • JAN/FEB 2024

21

8

safety to help you "candle with confidence" TIPS IF YOU ENJOY CANDLES, YOU PROBABLY LOVE THE WAY THEIR FLAMES ILLUMINATE A DARKENED ROOM, SET A CERTAIN MOOD OR BRING A SENSE OF FUN, ROMANCE OR WONDER TO YOUR LIFE. CANDLES ARE A VITAL ELEMENT IN MANY FESTIVALS, RELIGIOUS EVENTS, BIRTHDAYS AND OTHER MAJOR CELEBRATIONS. SCENTED CANDLES AT A SPA OR NEAR A BUBBLE BATH CAN ALSO HELP YOU TO RELAX AND UNWIND.

As daylight shortens during the autumn months, it's the perfect time to "Candle with Confidence." Here are tips for using candles safely:

1. Follow basic candle safety practices Never leave a burning candle unattended, and make sure candles are not lit on or near anything that might catch fire. Always keep candles out of the reach of children and pets.

2. Prevent candle smoking Before lighting your candle, trim the wick to 1/4 inch before every use, and be sure to place candles away from drafts, vents or air currents. If a candle continually flickers or smokes, it is not burning properly and should be extinguished. Allow the candle to cool, trim the wick, make sure the area is draft free, then re-light.

3. Beware of "make-your-own" candleholders Not all glass is the same, so it's best to avoid burning candles in glass containers that are not specifically designed for candles.

Glass candleholders are specifically manufactured to withstand the temperature changes that occur when burning a candle.

Everyday glassware is not designed for burning candles.

4. Make votive cleaning easier Add a few drops of water to the glass of votive holders before inserting the candle to make them easier to clean. Caution: Don't add more than a few drops of water, and don't add water unless you intend to burn the candle immediately afterward. Over time, a candle wick could absorb the water and won't burn properly. Also, never use water to extinguish a candle.

5. Prevent candle fading

6. Store candles carefully Keep your candles in a cool, dark and dry place. Tapers or dinner candles should be stored flat to preventing warping.

7. Keep candles clean Remove dust and fingerprints from a candle by gently bing the surface with a piece of nylon or a soft cloth that is dry or slightly dampened with water.

8. Care for your candleholders Remove wax drippings from candleholders by running hot water over them. Alternatively, some home care experts prefer removing wax by first placing the candleholder in the freezer for an hour or so. This allows the wax to shrink and easily pop out when the candleholder is removed from the freezer.

Avoid placing candles where they will be directly exposed to sunlight or harsh indoor lighting, as candles may fade if left in bright light for an extended period of time.

By following these tips from the National Candle Association, you'll be able to light your candle, burn it safely and be confident you are getting the most out of each burn and every candle.

Find more expert tips and information at Candles.org

22

MOMSTOWN • JAN/FEB 2024

2023 HOMEOWNER SURVEY r time! u yo f o s te u in m 2 r fo rd ca k-fil-A gift ic h C r o s ck u rb ta S 0 $1 a ve Recei Here at Hometown Realty we always like to take macro data on housing and compare it to the local micro market. There have been some recent articles published on housing and we would like to see if what homeowners in our area are thinking and how it compares to national data.

We have a quick 5 question survey that will take less than 2 minutes to fill out.

For your time, we’ll email you a $10 gift card to Starbucks or Chick-fil-A, your choice!

One gift card per household address. Certain restrictions apply.

500 gift cards available to the first 500 respondents.Survey entry must match recorded homeowner information.

m o .c y e v r u S e m o H H E www.S ! e d o C R Q e h t n a c S ly p or sim Which of the Following Would You Like in Your Next Home?

Did The Pandemic Change Your Family’s Use of Your Home?

60%

60%

60% 50%

50%

40%

40%

47%

40% 30%

30% 20%

20%

10%

10%

0%

0%

NO

YES

27% 20% 13% VIEW

SECOND OFFICE SPACE

HOME GYM

POOL

*Partial results from current local survey

760.798.1784 • 1231 Elfin Forest Road W Ste 111 • San Marcos, 92078

MOMSTOWN • JAN/FEB 2024

23

We make this

SOME OF OUR 2023

HOMETOWN R E A L T Y

HOME SALES

sold!

sold!

sold! Rep. Buyer

easy

real estate thing

sold!

sold!

6781 Obsidian Pl • Carlsbad

1318 Savannah Ln • Carlsbad

1828 Red Willow Way • Oceanside

1582 Chert Drive • San Marcos

Sold at $1,970,000

Sold at $2,050,000

Sold at $692,450

Sold at $880,000

sold!

Rep. Buyer

546 E. 6th Ave • Escondido

Sold at $1,100,000

sold!

Rep. Buyer

5464 Shorefront Dr #148 • San Diego

Sold at $605,500

sold!

sold! Rep. Buyer

662 Liquid Amber Way • San Marcos

Sold at $1,450,000

Sold at $1,575,000

leased!

1759 Grain Mill Rd • San Marcos

Leased at $5,000/mo

sold! Rep. Buyer & Seller!

9645 Spyglass #71 • Desert Hot Springs

29946 W. Trancas Dr • Palm Springs

908 Hydra Ct • San Marcos

2944 Gait Way • Escondido

1564 Eden Ct • San Marcos

Sold at $119,000

Sold at $570,000

Sold at $1,150,000

Sold at $1,495,000

Sold at $1,480,000

sold! Rep. Buyer

sold!

Rep. Buyer

Rep. Buyer

sold!

Sold at $3,550,000

sold! Rep. Buyer

sold!

sold!

2117 Sea Island Pl • San Marcos

927 Pearl Dr • San Marcos

sold!

sold!

Rep. Buyer

sold!

1359 Dolomite Way • San Marcos

1448 E. Taylor St • Vista

10358 Rancho Carmel Dr • San Diego

28238 Glenside Ct • Menifee

67112 W. Chimayo Dr • Palm Springs

Sold at $1,000,000

Sold at $875,000

Sold at $845,000

Sold at $480,000

Sold at $337,500

sold!

sold! Rep. Buyer

sold!

sold!

1002 Tucana Dr • San Marcos

31971 Via Oso • Trabuco Canyon

3542 Avenida Pantera • Carlsbad

1377 Topanga Dr • San Marcos

609 Valley Meadow Pl • Escondido

Sold at $1,635,000

Sold at $1,280,000

Sold at $2,976,500

Sold at $1,140,562

Sold at $724,000

sold!

sold! Rep. Buyer

sold!

866 Via La Venta • San Marcos

3606 Vista Rey #43 • Oceanside

31799 Camino Rosales • Temecula

Sold at $870,000

Sold at $445,000

Rep. Buyer

Sold at $620,000

sold!

Rep. Buyer

Rep. Buyer

3420 Laketree Dr • Fallbrook

Sold at $1,500,000

sold!

sold!

1414 Schoolhouse Way • San Marcos

Sold at $1,725,750

Hometown Realty • 760-798-1784 • 1231 Elfin Forest Rd W #111 • San Marcos, CA 92078 • Brokered By eXp Realty DRE #01878277 Hometown Realty is brokered by eXp Realty of California #01878277. Data compiled based on MLS data as of 12/18/2023. If your home is currently listed this is not meant as a solicitation, we cooperate with all brokerages. Any questions regarding information in our advertisements can be directed to 760.798.1784.