GIFT GUIDE

“RECIPES MADE WITH LOVE” JAR BAMBOO RECIPE BOX

Surprise your home cook with a personalized recipe box to keep all their treasured recipes in.

Bedbathandbeyond.com

$47.99

Staff Pick! “This is on my wish list!” BY KRISTINA CASE

AJ BAKERS FOOD PACKAGING SET

Chances are the baker in your life loves to give away their delicious treats! This set comes with 12 boxes, baker’s twine and white tags so they can present their goodies in style.

BROTFORM ROUND PROOFING BASKET

A favorite in European bakeries, this basket made of natural cane allows dough to rise evenly and promotes a crispy crust. The bread baker in your life will love this!

CUISINART DOUBLE BELGIAN WAFFLE IRON

Make two gorgeous 7” round waffles at once so making breakfast is faster! Six settings how crisp and golden you’d like your waffle to be. Kingarthurbaking.com $99.95

GIFT GUIDE Cooking & Food Enthusiast

Do you have someone in your life that loves to cook, eat or bake? Here are some items they might love to receive this Christmas.

allow you to easily customize -Kristina

MARBLE AND WOOD CHEESE BOARD

Perfect for entertaining friends and family. Can personalize for $12.

Williamsonoma.com

Amazon.com $14.99

$29.99 Williamsonoma.com $39.95

ACACIA SALT CELLAR

This beautiful acacia wood natural salt cellar has a convenient and charming swivel lid and will look great in any kitchen. Crateandbarrel.com $9.95

Show off your newly baked goods on this beautiful white cake plate.

WRIGHTSVILLE STEAMER POT

Treat someone with a delivery of fresh seafood right to their door from Topsail Steamer in Surf City, NC. Ready to cook! Includes: Shrimp, Snow Crab, Little Neck Clams, Sea Scallops,Andouille Sausage, Kielbasa Sausage,Sweet Corn, Red Bliss Potatoes and Homemade Seasoning

MAGNOLIA CERAMIC CAKE PLATE

Goldbelly.com $159 Magnolia.com $34

Locally Made

FAMILY OF CHEESE GIFT BOX

Beehive Cheese Company is familyowned gourmet cheese producer located in Uintah, Utah that uses local ingredients. 6 best selling cheeses in a box including: Apple Walnut Smoked, Barely Buzzed, Big John’s Cajun, Promontory, Seahive and Teahive. Beehivecheese.com $34.99

LOCAL HONEY

Honey Sampler includes three 6 oz jars of Wildflower, Clover Blossom and Orange Blossom flavors.

Thehoneyjarhome.com

$12.99/$19.99 shipped anywhere in the US

FAVORITE COOKBOOKS The beautiful photos will inspire any home cook!

Two Peas & Their Pod

Cookbook : Favorite Everyday Recipes from Our Family Kitchen Utah’s own food blogger, Maria Lichty, published her first cookbook last year and it highlights delicious everyday recipes with beautiful photography. Walmart.com $23.21

Modern Comfort

Food by Ina Garten A household name. Her latest cookbook features recipes inspired by childhood favorites like Cheesy Chicken Enchiladas, Boston Cream Pie and Cheddar and Chutney Grilled Cheese sandwiches. Target.com $24.50

Staff Pick! “This has lots of cool recipes in it.” -Ann

Half Baked Harvest

Cookbook: Recipes from My Barn in the Mountains Tieghan Gerard grew up in a large family in the mountains of Colorado. Her fresh take on comfort food, stunning photography, and charming life in the mountains make this a great gift for any cook. Amazon.com $18.40

ARTISAN ENGLISH TOFFEE

This award-winning artisan toffee, made by an Ogden candy maker, is made in small batches by hand using simple ingredients of fresh sweet cream butter and pure sugar. Chocolot.com $20

Special article brought to you by Econ Mortgage

The Best of 2020: Record Low Interest Rates

It’s become a standing joke (though not very funny) that 2020 is the worst year ever. It seems like every bad thing you could imagine has

happened this year. As if a worldwide pandemic weren’t enough, we’ve also seen earthquakes, wildfires, hurricanes, a global recession, major protests, and don’t forget the murder hornets! It really has been a rough one in so many ways, but there is at least one really good thing to happen this year: mortgage interest rates are lower than ever before.

SILVER LINING

We started the year with interest rates that were already pretty low and with all the craziness of 2020, nobody knew exactly where rates would end up. After a bit of fluctuation earlier in the summer, rates have continued to drop to under 3%, which is even lower than the good rates we’ve seen the past couple of years.

HOW LOW CAN IT GO?

If you’ve been waiting for just the right time to snag a super low interest rate, this could be that moment. There’s not much room for interest rates to go lower than where they are

now, so if you are in the market to refinance or buy a new home, it’s a great time to do it.

SHOULD YOU REFINANCE?

If you closed your loan within the past few years, or even months, you might still benefit from refinancing at these low rates. Work with a loan officer to get quotes and compare the figures based on your current situation. Quotes are always free, and to get a quote you don’t even need to have your credit pulled. You might save a few hundred dollars a month and you can often skip a mortgage payment (sometimes two) when you refinance.

SHOP AROUND

Many homeowners assume it doesn’t matter where you get your loan. They assume rates are the same from every lender, so they don’t shop around. That couldn’t be further from the truth. The smart way to get a loan is to work with a mortgage professional that takes a smaller piece of the pie, so they pass along more savings to you, the borrower. You can get quotes from more than one lender--in fact, shopping around is a great way to make sure you’re getting the best rate.

WHO IS ECON MORTGAGE?

At Econ Mortgage we keep our overhead low and use technology to streamline the mortgage process. We make less profit on each loan, so we can pass the savings on to our clients. Our clients keep coming back because they know we’ll take care of them and get them the best possible rate at a competitive price. Call us at (385) 258-3588 or visit EconMortgage.com.

REFINANCE OR BUY A NEW HOME

YOUR LOCAL MORTGAGE SPECIALIST

EconMortgage.com l (385) 258-3588

1747 Heritage Lane, Syracuse, Utah 84075

NMLS 1709162