Design & Living October/November 2021

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18 SCHEELS Fall Fashion for the Autumn Season 22 Heritage Homes: Luxury Meets Livability 28 SCHEELS What's Cookin' with Joe? 31 Alerus: How to Make Your Home Equity Work for You


Cozy Togetherness: Twenty Below Coffee Co.


The Heart of the Home


A 1920s Modern Masterpiece


Spice Up Your Kitchen: Fresh Fall Items from Eco Chic


Artist Feature: Doug Stuckle

ON THE COVER On the cover is a look inside Kent & Amy Moser's beautifully remodeled Rosecreek kitchen. Take a look at how Melanie Iverson of Mosaic Design + Build tore down walls (literally) and transformed this kitchen into a beautiful new space.

For more exclusive, original content,

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DESIGN & LIVING | O C TO B E R / N O V E M B E R 2 0 2 1



of the Home

The other day, I took a hike with my camera, as I often do, and followed some breathtaking trails, in awe of all the colors around me, musing over the psitherism of the wind through the trees–almost like nature's wind chimes. The realization finally settled on me: fall is here. The leaves are glowing in hues of crimson and tangerine. The air is cooling like a breath of fresh peppermint, making the warmth of the home feel even more welcoming. They say home is where the heart is–but what is the heart of the home? Since childhood, my fondest memories at

home were centered within the kitchen. It's a place for families to gather, conversation to take place, and memories to be made. It's a place where we would play board games and sip hot cocoa on cold autumn nights. The kitchen is a place for trying that new recipe, and dancing in with your loved one at midnight. The kitchen isn't just a place of nourishment, it's a place for memories. It's the heart of the home. October is here–and with it so many nostalgic aromas of harvest and spice filling the air. From new kitchen spaces to cozy coffee nooks, to preparing your home for the fall season, this

issue is all about what makes the home such a special place during the autumn season. From all of us at Design & Living, we hope this magazine warms your heart like a steaming mug of apple cider.


OCTOBER/NOVEMBER 2021 Design & Living Magazine is a free publication distributed six times a year. Our mission is to showcase all that the Red River Valley has to offer in terms of interior design, architecture and landscaping, profiling the people that make these possible. We also strive to provide a quality and fun reading experience and improve the way of life in our community. The publication is mailed to homes across the US and has stand distribution throughout North Dakota and Minnesota.


Mike Dragosavich

EDITORIAL Editorial Team Lead

Brady Drake

Editor & Photographer

Josiah Kopp

Graphic Designers

Christy German, Kim Cowles


Melanie Iverson

INTERACTIVE Business Development Manager

Nick Schommer

Videographers Business Development Associate Graphic Designer ADVERTISING Senior Sales Executive Sales Representative Sales Assistant Client Relations

ADMINISTRATION VP of Human Resources

Tommy Uhlir, Robert Whiteside Kellen Feeney Ben Buchanan

Paul Hoefer Al Anderson Zach Willis Jenny Johnson

Colleen Dreyer

Account Strategist

Cassie Wiste


John Stuber

Design & Living Magazine is published by Spotlight, LLC. Copyright 2021 Design & Living Magazine & All rights reserved. No parts of this magazine may be reproduced or distributed without written permission of Design & Living Magazine and Spotlight, LLC is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on such information. Spotlight, LLC accepts no liability for the accuracy of statements made by the advertisers.

ADVERTISING: 701-478-SPOT (7768) Send change of address information and other correspondence to: Spotlight, LLC 4609 33rd Ave S Suite #304, Fargo, ND 58104 or

DESIGN & LIVING TEAM At Design & Living Magazine, our goal is to create a publication that is just as much fun to read as it is to view. Here are the writers, designers, photographers and contributors who so affably use their time and talents to tell a story and give our pages purpose.


EDITOR & PHOTOGRAPHER Born and raised on the prairies of North Dakota, Josiah’s love for capturing the moment with his camera led him to Spotlight Media in 2020. He graduated from Concordia with a BA in Graphic Design and is currently a photographer for Design & Living. Outside the office, you can find Josiah writing and producing music or chasing a colorful sky with his camera.


German is the marketing designer for Spotlight Media. She is a native of Watertown, S.D. and Northern State University graduate with a BFA with an emphasis in Graphic Design. In addition to designing marketing materials for print, she also is the graphic designer behind Design & Living.


Melanie Iverson is the Principal Designer and CEO of Mosaic Design and Build, a boutique interior design studio and general contracting firm she co-founded with her husband James. Although Melanie and James’ focus is remodeling and renovating residential properties in the area, Melanie has worked with several commercial design clients, including an international hospitality company, multiple restaurants and boutique salons.


Spotlight's Other Magazines

It is said a lot, but the arts are so important in our community. They add a level of vibrancy and identity for everyone living in the Fargo-Moorhead area and our local musicians play a huge part in that. In this issue, meet just a couple of the local artists you've never heard of but should.

Imagine being able to print a jig, component, or widget that you need for an important job. Imagine being able to make promotional items in-house. Imagine the endless possibilities that a 3D printer could bring to your office. Now, realize that the largest US manufacturer of desktop 3D printers, LulzBot, is sitting right under your nose. In this issue, we introduce you to one of the best kept secrets in our business community.

This is an extremely exciting time for NDSU basketball. Last season marked the first time since 2008-2009 that both the men's and women put together a winning record. Both squads are returning the majority of their rosters from last season's successful campaigns, meaning expectations at the SHAC are sky high for 2021.


ROBERT - Videography

PAUL - Sales

BEN - Design

AL - Sales

JOSIAH - Editorial

ZACH - Sales

COLLEEN - HR & Operations NICK - Digital Services


JENNY - Client Relations

TOMMY - Videography

JOHN - Distribution

JEREMY - Contract Photographer BRADY - Editorial

KIM - Design

CHRISTY - Design

KELLEN - Digital Services

“We have been working with SWL for 8 years. They help us with HR practices, contracts, and other legal issues that come up. I love how progressive and proactive they are. They have always felt like a partner and not just a law firm we call when we need something.”


Founder, Spotlight




The Autumn leaves are turning gold, and summer has said its farewells. The weather is cooling, and fresh fall styles have arrived from SCHEELS Fashion. Take a look at some of our favorite outfits for the 2021 fall season.


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"Fall is my favorite season! I love all the colors and layering with the perfect jacket!"

"The best thing about fall is vests! I love a cowl neck, a chunky vest, and boots!"

STACCATO SHIRT JACKET • Double chest pockets and side hand pockets • Oversized style makes it the perfect layer piece AZURE BLUE ESQUALO SWEATER • Cable knit fabric • Chunky turtleneck collar LIVERPOOL MARLEY JEANS • Tasteful destruction at cuff • Slimmer than a boyfriend with the perfect amount of leg-room SOREL LENNOX BOOTS • A lace-up boot with a modern kick • Waterproof full-grain leather

PRAIRIE COTTON BLACK LONG SLEEVE • Made in the USA with natural and homegrown cotton • Considered "the best T-shirt in America” LIVERPOOL CARDIGAN • Goes with everything in your closet • Perfect for transitional weather LIVERPOOL GIA GLIDER • Allows ease of movement • Hybrid between a pull-on and a 5-pocket jean SOREL EVIE PULL-ON BOOTS • Made to throw on and go • Waterproof leather and suede combination with gore detail

LIVERPOOL CHILL DENIM JACKET • Pairs well with denim or a pair of cozy joggers • Versatile jacket featuring a heather grey knit insert LIVERPOOL WAFFLE SWEATER • Lightweight and cozy with a dolman sleeve • Front and back center seam detail creates a clean and modern look SOREL EMELIE BOOTS • More durable and stylish than ever • Ankle-height with waterproof leather LIVERPOOL GIA GLIDER • Tasteful destruction that can be worn all year round • Super stretch with amazing recovery which means no bagging

LIV ZIPPERED SWEATER • Designed for the well-traveled woman • Made of premium, form-flattering fabric PRAIRIE COTTON LONG SLEEVE • Made in the USA with natural and homegrown cotton • Considered "the best T-shirt in America” LIVERPOOL GIA GLIDER SKINNY • Tasteful destruction that can be worn all year round • Super stretch with amazing recovery=no bagging SOREL JOAN OF ARTIC WEDGE • Waterproof leather with a plush EVA footbed • Tougher-than-ever rubber sole 19




"I love everything about fall! The cool weather, leaves, campfires. You can wear your favorite sweatshirts and flannels."

"Fall is my favorite because I love sweaters and ankle booties in every color!"


LIVERPOOL SLEEVELESS SWEATER • Layers well under denim jackets or blazers • Fit to perfection and super comfortable

ESQUALO BLACK SKIRT • High quality, faux leather • Belted waist

LIVERPOOL RUBY PORT JACKET • Perfect length to pair with your favorite skinny jeans • This jewel-toned color is perfect for all skin tones

NALLY & MILLIE TOP • Made in the USA • Versatile clothing for real life needs

LIVERPOOL CHLOE SKINNY DENIM • Premium denim with superb stretch • Contemporary waistband that does not bunch or twist SOREL EVIE PULL-ON BOOTS • Made to throw on and go • Waterproof full-grain leather and suede combination with gore detail.


DESIGN & LIVING | O C TO B E R / N O V E M B E R 2 0 2 1

SOREL JOAN OF ARTIC WEDGE II • Pull-on • Removable footbed


CHARLIE B SWEATER • Take your sweater game to a new level with Charlie B’s sweaters • Comfortable, stylish, yet practical JAG PHOEBE DENIM • Waist-flattering high rise • Sustainable Premium Stretch denim with power stretch technology SOREL JOAN OF ARCTIC WEDGE • Waterproof leather with a plush EVA footbed • Tougher-than-ever rubber sole will keep you striding strong, rain or shine

LIV SLEEVELESS TANK • Woman inspired line • Artfully designed HABITAT SHORT JACKET • ”Clothes to live in” • Easy layering piece LIVERPOOL ANKLE TROUSER • All-day comfort • Pull-on tie front SOREL JOAN OF ARTIC WEDGE • Waterproof leather with a plush EVA footbed • Tougher-than-ever rubber sole





The Ranch at The Wilds Clubhouse is the perfect space for all social gatherings


BY Josiah Kopp


n the heart of the Red River Valley lies a word most often associated with this area: community. Heritage Homes recognizes the thriving community of Fargo-West FargoMoorhead, bringing The Ranch at The Wilds to West Fargo: an active adult community with a state-of-the-art Clubhouse for socializing.


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The Ranch at The Wilds’ Clubhouse is a private retreat center, full of rich amenities and surrounded by modern conveniences–more on that later with Heritage Homes homebuilder, Tyrone Leslie. The Clubhouse is the perfect place for social gatherings and is meant to complement the thriving new community at The Ranch at The Wilds. Whether you want to host a Super Bowl party, or it's your grand-daughter's ninth birthday party, The Ranch at The Wilds’ community Clubhouse offers the perfect space. With bright interiors and a ranch-style rustic feel, it's a one-of-a-kind place for memorable moments. The homes are no exception either, as you'll get to see later.

Clubhouse, enjoy the pool, the pickleball courts, the golf simulator, and socialize–that's what people want today more than ever. So that's a big part of what you're going to see here.

Q: You have opened the doors to an active adult

community lifestyle, what does the future look like for Heritage with this type of development?

A: This is something that Heritage Homes has been

doing for almost 22 years. We've been building communities for many years but at The Ranch, going out is within the community; the clubhouse, trails around the pond, golf simulator and swimming pool. You're going to be seeing Heritage Homes doing more of these–some smaller projects, some larger. We're currently working on a different project right now that's going to be outstanding; We always have something that's in the works.

Q: What sparked your interest in bringing a Homebuilder Tyrone Leslie inside the new Clubhouse at The Ranch at The Wilds



Q: As a homebuilder, why did you decide to plant

your roots in West Fargo? What do you love about this community of the Red River Valley?

A: It is such a progressive community that's always

been on the grow; they do things properly. When you look at the growth from different industries and businesses, as well as the schools here, you can see that everyone wants to see each other succeed–and ultimately, make sure that the future of the city is always at the forefront.

Q: What impact will this community bring to our metro area?

A: It's going to raise the bar. The population of the

baby boomers and the generation X'ers is a significant number [in the F/M area], and they have needs. What The Ranch is going to do is show people what they should be able to expect in this community. When you look at the amenities that we put into here, people can feel comfortable. They can gather in the beautiful

community like this to West Fargo?

A: We knew there was a need, even 50 years ago, which is why we did Gates at Madison Square and Evergreen Estates. Most recently we just finished The Aspen's at Timber Creek, which is a spectacular project that we did in South Fargo. These communities are similar but The Ranch at The Wilds is an evolution of research, development and a new active way to be social. So in a unique way, this is something we've always been doing, just enhanced and evolved.

Q: How does the Clubhouse impact the homeowners and what are the highlighted amenities available?

A: When you look at The Ranch, for instance, we have

a lot of connectivity. We have a lot of sidewalks and lit walkways going around the pond that people can enjoy. They want the ability to be active–that's very crucial. We have the pickleball courts: not just one, but we have two courts, to make sure people can interact, but still be active. We have a beautiful 20’x46' [outdoor] pool, living room, and kitchen area if homeowners want to have a Super Bowl party, an anniversary, or a birthday. We have a fitness center that, quite frankly, is second to none–it's an unbelievably beautiful size. When you purchase here, you also have access to a wellness advisor that's going to be here for you for direct questions, quick workouts, or have a plan put together for you. You have access to all that's part of being in this community. Nobody offers that. The Ranch does, which is incredible. Just take a look at this golf simulator. There are very few areas that actually have something like this; there are 1000-some courses that you can choose from. We also have our sales center which will be converted to a craft room, so if people want to rent it out and do some different types of crafts–whether it's art, pottery, yarning–whatever they want to do they have that ability to do that. We've captured a lot of different opportunities to create that social atmosphere that people crave.


Q: Homebuilding has many steps and is a detailed

process from the beginning concept to a furnished and completed home–what part of the homebuilding process do you get the most personal fulfillment from?

A: There isn't any one thing that's most gratifying–it's

all of those levels, which is what we call the journey of building a home. It's an honor to be able to work together on creating that dream for that family– ultimately their heritage is now being created. That to me is the most awesome experience, to have the honor of being the builder they've chosen–that whole process from hearing their needs to delivering the product. It's too awesome.

Q: This is a bit of a fun question: Who gets to name the streets, and how do you decide what to name each one?

A: We don't actually name the streets all the time–the

city requires the addresses for fire purposes. There are some unique situations such as The Ranch at The Wilds where there was no connecting street to mess up the fire department, police department, or delivery department. So we asked if we could change the name to something a little more unique, honoring my two daughters. So, Rania and Mira are the names of the streets–I would

Q: How did you decide on which floorplans to choose for your three model homes?

A: We're very market-driven. So we pay attention to our customer's needs. A lot of times builders will just build because they think it is important, and that is wrong. It's exactly the opposite; we listen to the family, how their family lives, and that's what guides us in designing their plan. One family can have four grandchildren, who happen to play hockey, and come to visit often, and I can tell you that lifestyle and that house has to be designed differently. And that's what we do–we design around the family's needs, and build a house around them, not having them design themselves around the house. Q: What inspiration goes into choosing architectural styles and designs for models? Are there homebuilding trends that you follow or draw inspiration from as well?

A: I think one of the things that makes Heritage

Homes very unique is the fact that we are constantly learning. We don't get complacent. When a family hires us to build their dream home, they rely on us to make sure that we're on the edge, that we know exactly what's going on with what they need to make sure they preserve the resale ability later on–and more importantly, the home is working for them. I'm a part of a national building group, and we make sure that we're always aware of what the cutting edge is. Whether it's shiplap walls, cool ceiling details, beautiful, functional kitchens, or staircases. Nobody ever designs staircases–they 'think it's just a staircase, forget it.' It's those little things that we pay attention to that makes Heritage Homes different.


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Tyrone Leslie and homeowners enjoying the new Clubhouse amenities

never name [the streets] after myself, that's just not my style. So that was one of the things that I did with this development, and I just love it. Nothing makes me happier than seeing a contract coming in under Rania Way or Mira Way when we open it up. I'm very passionate about my family, very passionate about the building industry, and very focused on teamwork. And like I said, when you have those types of philosophies and giving back to your community, life is great and I'm blessed to be in this community.

COMMUNITY LIVING: LIFESTYLE AT THE CLUBHOUSE The Ranch at The Wilds Clubhouse offers a wide variety of amenities for families to enjoy.



THE RANCH AT THE WILDS MODEL HOMES Each stunning model home design is customizable, offers the latest energy-efficient insulation, heating, and cooling systems, and is backed by Heritage Homes' HomeCare Program beyond closing day.

The Ranch at The Wilds is located at the intersection of 52nd Avenue West and 9th Street West in West Fargo.

835 Rania Way W, West Fargo, ND 58078 (701) 281-7184


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Appetizers SMOKED JALAPEÑO POPPERS Take a bite out of some wood-fired spice. These jalapeños are loaded with a cream cheese mixture, seasoned with Traeger Prime Rib rub and wrapped with none other than bacon. 40 Jalapeño Peppers 1 8oz. Package Cream Cheese, Room Temperature

1 Cup of Colby Jack, Grated 1-1/2 Tsp. Prime Rib Rub 20 Slices Bacon, Cut in half

• Wash and dry the peppers. Cut the stem ends off with a paring knife, and using the same knife or a small metal spoon, scrape the seeds and ribs out of each pepper. Set aside. • In a small bowl, combine the cream cheese, grated Colby Jack, Traeger Prime Rib Rub, and cream cheese. • Spoon the cream cheese mixture into each pepper, filling each a little over the halfway point. • In the meantime, make the sauce in a saute pan on medium high heat. Reduce the Port, Merlot and beef stock by 1/3. Stir in the cranberry sauce until totally dissolved. Finish the sauce with butter. • Wrap the outside of each with a piece of bacon and secure with 1 or 2 toothpicks. • Arrange the peppers on a foil-lined baking sheet. When ready to cook, start the Traeger grill on Smoke with the lid open until the fire is established (4 to 5 minutes). • Set temperature to 275 and smoke the peppers for 2 hours. Enjoy!

The Sides

R O A S T E D H A S S E L B A C K S W E E T P O TATO E S Nothing says Thanksgiving like sweet potatoes. Turn away from your old ways and roast your sweet potatoes with butter, brown sugar and douse them in a creamy, homemade marshmallow sauce. You'll thank us later. 4 Large Sweet Potatoes 1 Stick Butter, Cut into Slices 1/2 Cup Brown Sugar

1/4 Tsp. Nutmeg, Ground Or Freshly Grated 1 Cup Marshmallow Fluff Or Mini Marshmallows Kosher Salt

• When ready to cook, start the Traeger grill on Smoke with the lid open until the fire is established (4 to 5 minutes}. Set the temperature to High and preheat, lid closed, for I0 to 15 minutes. • Place a sweet potato on a clean, flat surface horizontally between the handles of 2 wooden spoons. Slice the potato into thin slices, leaving 1/4 inch at the bottom unsliced. The spoon handles will prevent slicing the potato all the way through. Repeat with every potato. • Insert a thin slice of butter between the potato slices. Sprinkle with kosher salt, brown sugar, and nutmeg. • Place potatoes on a pan in the grill and bake for one hour. The sweet potatoes should be cooked through and crispy looking on top. • Add a dollop of marshmallow cream or marshmallow sauce to the top of each potato. • To make marshmallow sauce, combine mini marshmallows with 1 Tbsp. butter on stovetop over medium heat until mallows are melted and creamy. Top with additional brown sugar if desired. • Place the pan back into the grill for an additional 5-IO minutes or until the marshmallows have melted and brown sugar on top has caramelized. Remove from the oven and enjoy! 28

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The Sides

WOOD FIRED GREEN BEAN CASSEROLE This buttery, creamy and cheesy green bean casserole makes for a hearty turkey sidekick. Baked over pecan to crisp, golden brown perfection, this classic savory dish will be a surefire crowd favorite. 1/2 Stick Butter 1 Small Onion, Diced 1/2 Cup Button Mushrooms, Sliced 4 Cans Green Beans, Drained

2 Cans Cream of Mushroom Soup 1 Tsp. BBQ Seasoning Salt 1 Can French Fried Onion Rings 1 Cup Cheddar Cheese, Grated


• Start the Traeger grill on Smoke with the lid open until the fire is established (4 to 5 minutes). Set the temperature to 375 degrees F and preheat, lid closed, for 1O to 15 minutes. • Melt butter in a cast iron skillet and add onions and mushrooms stirring occasionally until softened. • Add drained green beans, cream of mushroom soup and stir gently to combine. • Season with seasoning salt and pepper and sprinkle the top with the shredded cheddar cheese and onion rings. • Bake for 25 minutes. Serve warm, enjoy!

The Main Course

R O A S T E D W H I S K E Y- G L A Z E D W I L D T U R K E Y GLAZED TURKEY 1 (16-18 LB.) Wild Turkey 1/2 Cup Unsalted Butter, Softened 1/4 CUP Traeger Fin and Feather Rub, Divided

WHISKEY GLAZE 2 Tsp. Butter 1/2 Cup Whiskey 3 Tsp. Brown Sugar 1/4 Cup Honey Salt and Pepper to Taste

• When ready to cook, start Traeger grill according to grill instructions, and set the temperature to 375 degrees F. • While the grill comes up to temperature, combine softened butter and half of the Traeger Fin and Feather Rub in a small bowl. • Slide your hands underneath the skin on top of the breast to separate from the meat. Place half the butter mixture butter underneath the skin and massage to spread all over the breast. •Spread remaining butter over the skin on the breast and legs. Season the exterior of the bird and the cavity with remaining Traeger Fin and Feather Rub and truss the legs. • Place turkey directly on the grill grate and cook for 20-20 minutes at 375 degrees F or until the skin begins to brown. • Reduce the temperature to 325 degrees F and continue to cook until internal temperature registers 165 degrees F when an instant-read thermometer is inserted into the thickest part of the breast. • While the turkey is cooking, combine ingredients for glaze in a small saucepan and bring to a boil. Reduce the temperature and let simmer 15-20 minutes or until thick enough to coat the back of a spoon. Remove from heat and set aside. • During the last ten minutes of cooking, brush the glaze on the turkey and cook until the glaze is set. • Remove from grill and let rest 10-15 minutes before carving. Enjoy!


TRAEGER BAKED APPLE PIE Apples, cinnamon sugar and a touch of lemon come together in bubbly harmony under a buttery, flaky crust for a dish sweet as pie. 4-5 Apples, Thinly Sliced 1/4 Cup Sugar 1 TBSP. Cornstarch

1 Refrigerated Pie Crust, Softened as Directed On Box 1/4 Cup Peach Preserves

• When ready to cook, start the Traeger grill on Smoke with the lid open until the fire is established (4 to 5 minutes). Set the temperature to 375 degrees F and preheat, lid closed, for 10 to 15 minutes. • In a medium bowl, mix the apples, sugar and cornstarch; set aside. • Unroll pie crust. Place in ungreased pie pan. Place apple mixture-in pie shell. Place second pie crust on top and form to the edges of the pie pan. Cut slits in the top crust to allow for steam to release in the Traeger. • Place a baking sheet upside down on the grill grate to make an elevated surface. Put the pan with pie on top so it is elevated off grill. (This will help prevent the bottom from overcooking.) • Cook the pie for 30 to 40 minutes or until crust is golden brown, the filling is bubbly. • Remove from grill; cool 10 minutes before serving. Enjoy! 29


How to make your home equity

work for you Our homes are the largest investment many of us will make in our lifetimes. But many homeowners do not utilize this investment to the best of their abilities.

for paying only the interest each month. The additional balance can be repaid as they choose throughout the draw period. If there is a remaining balance at the end of the term, the homeowner may apply for a renewed credit line, refinance by applying for a traditional loan, or pay the balance due.

As you gain equity in your home, you also gain an additional source of credit. Two ways to access that credit are through home equity loans or home equity lines of credit (HELOCs). Both types of financing are based on your home’s available equity and secured by your home as collateral, but they provide funds in very different ways. To determine whether a home equity loan or HELOC is right for you, it’s important to understand how each one works.

Which is right for me?

Home equity loans provide a traditional source of credit — borrowers receive a one-time distribution through a loan with a fixed interest rate and repay the loan through a set amount each month that includes interest and principal. A homeowner whose income doesn’t vary from month to month and has a one-time need for credit, such as a large remodeling project, may prefer a home equity loan. However, if the homeowner wants to borrow against their home’s equity again in the future they would need to apply for a new loan, which would include closing fees and, potentially, a different interest rate.

What is a home equity loan?

A home equity loan is sometimes referred to as a second mortgage. The homeowner borrows against the equity on their home to obtain a specific amount of money. The amount available to the homeowner is based on the home’s value and the remaining debt on the home, which is known as the combined loan-to-value ratio. Home equity loans are traditional loans in that they typically have both fixed interest rates and monthly payments.

HELOCs allow the homeowner to draw from their line of credit over a fixed period using special credit cards or checks. Borrowers are responsible to pay the interest due each month but are allowed to repay principle at their own discretion. HELOCs provide homeowners the flexibility to pull funds as they are needed, but they often come with variable interest rates. Homeowners who anticipate multiple credit needs over a 10- to 20-year period and are comfortable managing revolving credit may opt for the convenience of a HELOC. A small business owner who earns income in lump sums may prefer having access to credit when needed and the flexibility to repay as income is generated.

What is a HELOC?

A home equity line of credit, or HELOC, is a revolving line of credit that can be accessed by the homeowner during a fixed “draw period.” Like a home equity loan, a HELOC is established based on the home’s loan-to-value ratio and secured by the home as collateral. Rather than borrowing a fixed amount with a fixed interest rate, HELOCs typically have variable interest rates and allow homeowners flexibility to draw funds from their credit line as needed. For example, a homeowner with a $45,000 HELOC and 10-year terms can pull funds from that account as needed throughout the 10-year draw period, not to exceed $45,000 at one time. Rather than a fixed monthly repayment amount, the borrower is responsible


What to watch for

You do not need to obtain a home equity loan or HELOC from the same lender that holds your mortgage, and fees vary by lender, so choose your home equity lender carefully. At Alerus, a knowledgeable financial advisor can help you determine which financing option will help meet your immediate needs and long-term financial goals. The information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Alerus does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Alerus Financial, N.A. is member FDIC.


Cozy Togetherness A H Y G G E A P P R O A C H T O C O M M E R C I A L D E S I G N BY Melanie Iverson | PHOTOS BY Josiah Kopp


DESIGN & LIVING | O C TO B E R / N O V E M B E R 2 0 2 1


n 2015, two families joined forces to launch Twenty Below Coffee on Roberts Street in Downtown Fargo. Co-Founders, Ty and Elisha Ford and Michael and Danae Moran, launched their locally sourced coffee shop and wholesale coffee brand that has not only warmed the souls but also caffeinated the downtown Fargo community. Twenty Below pride themselves in direct trade relationships, local when possible, to maximize dollars back to the source across the supply chain, whether this is coffee from Ethiopia or whole wheat flour from Noreen Thomas in Moorhead, Minnesota.

“Hygee is about an atmosphere and an experience, rather than about things. It’s about being with the people we love. A feeling of home. A feeling that we are safe, that we are shielded from the world and allow ourselves to let our guard down. You may be having an endless conversation about the small or big things in life–or just be comfortable in each other’s silent company–or simply just be yourself enjoying a cup of tea.”

After five successful years in their first location, they decided to launch their second location in Moorhead, Minnesota. Inspired by the Scandinavian book, The Little Book of Hygge: Danish Secrets to Happy Living, the Ford’s and Moran’s knew what kind of atmosphere they wanted for their second location. As Meik Wiking writes, Hygge, (pronounced HOO-GA), has many definitions that may vary from person to person. It’s more about a feeling than a fixture.

With a name like Twenty Below, offering a nod to the frigid winter weather, the team’s favorite definition of the Hygge design is ‘cozy togetherness’. Although they had a vision for the design of the second location, they wanted to be sure all the elements worked together and invited Mosaic Design into their process. With the Hygge thoughts in mind, we went to work. We knew the flooring would be cement and the walls white in the 56560 location, which could feel sterile and cold. Starting from the ceiling down, we opted into handmade bamboo lattice pendant lamps, creating warmth, texture and symmetry. Ty and Michael locally sourced the reclaimed live wood slab for the bar and wrapped the entire bar in varying directions, creating organic movement. Additionally, they added a massive live edge slab that spans the entire length of the bar. Pairing contemporary and industrial appeal, we chose backless steel and leather stools for those customers wanting to work, chat or hang out at the bar.

"Ty and Michael locally sourced the reclaimed live wood slab for the bar and wrapped the entire bar in varying directions, creating organic movement."

"Each larger table was handmade by Ty and Mike and feels more like community dining than it does a place of work."

To the back of the bar, they installed a frost-colored ceramic tile, which is characterized by its smooth finish and beautiful variations, reflecting all the colors of snow. Opposite the bar, the guys hand-stained butcher block and built the tables themselves, just below a handmade wood installation from Mike Moran, that pays homage to the community and roots Twenty Below has dug. Above their wood installation, is a live edge floating shelf that houses various plants, including plants from another local maker, The Plant Supply. They installed floating butcher block bars, maximizing their space and ability for more friends and family of Twenty Below to come together. We paired these clean


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lines and soft hues with another set of bar stools, this time with cozy bucket seats and clean lines. Each larger table was handmade by Ty and Mike and feels more like community dining than it does a place of work. There’s a nostalgic feel of familial dining together, much like life used to be. At the center of the dining area is a rich, leather Chesterfield that lays on a vintage Persian rug, facing a warm fireplace. The clean lines from the stacked wood span from almost the floor to the ceiling. To the left of the living room, are Mid-Century Modern Tweed chairs that share a large stump, as the side table.

Submitted photos by Melanie Iverson

One special area the Moran’s and Ford’s wanted was for children to come and play. So many coffee shops and venues are designed for business meetings and small talk. Although Twenty Below has ample room for such meetings, they wanted more. While building families themselves, they wanted children to feel as welcome as the banker next door. That’s why they set a portion of the footprint aside for children to come and pretend to be the barista behind the bar, imagine they’re sailing up in Duluth, or create a world beyond the walls of Moorhead's coziest shop. Although, the interior design of Twenty Below focused on the textures, lines and overall feeling a customer would have coming in–the staff at Twenty Below

believes in more than just great customer service and cute pendant lights. “We want to serve excellent coffee and food, while creating a warm and welcoming atmosphere for people to meet friends, work together, and belong to a community. We’ve seen folks walk in our doors, become regulars and really find a sense of place and friendship here,” Michael says, reflecting on what creates the community and family within the four walls of the building. “We believe all people are of infinite value and worth. We strive for integrity as we work with our coffee growers and suppliers, baristas and bakers, business supporters, customers, and each other as co-owners.”


When asked about the future of Twenty Below, the founders are excited about their wholesale ventures and aim to help other coffee shops, restaurants, and offices to bring good coffee to their clients and staff. They’ve been fortunate to build relationships in the Midwest, helping others open their shops or improve their existing coffee setups with better beans, equipment, training, and ongoing consultation. When it comes to creating family, investing in community and designing atmospheres where friends, family and strangers can gather, 20 Below has done a remarkable job creating cozy togetherness. ••• Story + Interior Design: Ty Ford, Michael Moran and Melanie Iverson, Mosaic Design + Build Contractor: Tornell Construction Reclaimed Wood Contributions: Ty Ford and Michael Moran


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BY Josiah Kopp | PHOTOS BY Josiah Kopp


s I was seeking the Red River Valley for homes to feature, I knew I was looking for a home and kitchen that filled me with a certain nostalgia, like all the fond memories I had as a child learning to make pancakes with my dad for the first time, or making lefse with my mom–a Norwegian tradition. When Interior Designer Melanie Iverson of Mosaic Fargo connected with me regarding this kitchen remodel, I instantly knew it was the perfect fit. Follow along for one of our most beautiful kitchen renovation features yet.

The Rosecreek kitchen before renovations began. Submitted by Melanie Iverson.

THE MOSERS AND THE ROSECREEK HOME Kent and Amy Moser moved into their beautiful Rosecreek home with their three children in February of 2012. Both have lived in Fargo-Moorhead since moving to the area for college. The Mosers liked the neighborhood because of the quiet cul-de-sac, mature trees, and proximity to Centennial Elementary and Discovery Middle School. "When we moved in, we were looking for more space, and this house provided that," said Amy. "We liked the layout of the home, and we knew we wanted to do updating and remodeling when we moved in, and we were excited to make the home our own." Although they planned to remodel the kitchen fairly soon after moving in, life became busy and it ended up being nine years before the Mosers started the process. During the early months of Covid, when the family was hanging out at home much more than they were used to, the Mosers finally decided they needed to make some changes. 39

KITCHEN REMODEL: THE VISION & BEGINNING STAGES Although the kitchen was a nice size, the Mosers didn't like the layout. There was plenty of counter space but only a small peninsula with seating for two or three. "When we entertained, there was no space for guests to hang out in the kitchen area," said Amy. "It was also closed off from the front of our house and was dark and dreary most of the day." The goal was to create a bright, open kitchen with an island. The Mosers wanted plenty of space for their kids and friends to hang out. The old kitchen was next to a formal dining room, which was almost never used. They wanted to open up into the dining room to allow for space to allow for a nice sized island, as well as open the kitchen to the windows in the front of the home.


FROM BORING TO BRIGHT In addition to the concerns about the kitchen space which, the Mosers also had a desk area in their breakfast nook that was just a place where papers and junk tended to gather. The desk was never used and the space always seemed messy and disorganized. "James and Melanie helped us transform that space into a bar area," said Amy. "We closed off open railing on our staircase to allow for a shiplap wall with shelves–it is now one of my favorite spaces and it looks so much better than the old desk area." The space also gained storage and a beverage fridge was added below.


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"It is now one of my favorite spaces and it looks so much better than the old desk area." 43

CHOOSING A DESIGNER "We had seen some of Mosaic's remodeling projects in local magazines, and we connected with Melanie to discuss our plans," said Amy. "She was great–she listened to our wants and helped us work through a few drafts before we created the perfect layout. She was open to input from us and really worked to fulfill our wishes, while being mindful of our budget." When the Mosers couldn't decide on flooring finishes, they looked to Melanie's expertise for a recommended choice. "It turned out to be perfect for our space," said Amy. Kent and Amy Moser felt confident using a local designer as they had seen some examples of previous projects. "Working with a designer is so important, as there are many decisions and selections that can be overwhelming," said Amy. "Even though Melanie was always open to our input, we really appreciated having an expect to give us ideas and advice." 44

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INSPIRATIONS & STYLES The Mosers knew they wanted a bright, neutral color scheme that would hopefully stand the test of time. For cabinetry, they wanted white but also wanted to incorporate wood tones. After debating between different finishes, the stain they ended up using on their island and bar area were the perfect shade. "Another main goal was to make the space brighter and open," said Amy. "We now have so much more light in our kitchen and we appreciate being able to see out the windows in the front of our home."


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BREAKING-IN THE KITCHEN As fall is setting in, the Mosers are looking forward to many family gatherings and celebrations to "break in" the kitchen for. "We are looking forward to the upcoming holidays and will enjoy having family together in our home," said Amy. "We have enjoyed having our new island where family and friends can hang out in our kitchen, and have already hosted several gatherings this summer. We look forward to many more!" •••


*This home is currently listed on the market. For more information, call Deb Clark at 701-238-5468 or Berkshire Hathaway Premier Properties at 701-356-3600. 52

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A 1920s Modern

Masterpiece BY Josiah Kopp | PHOTOS BY Josiah Kopp


his nostalgic, pastelyellow foursquare home* nestled on 9th St S in Fargo was first built in 1924. It originally provided 2,722 square feet, which has been modified and added to with Jim Owoski's remodel when he moved into the 1315 residence in August of 2017. I walked through the beautiful threeyear-long remodel project by the 72-year-old handyman, capturing some of my favorite spaces and nooks, and asking a few questions along the way.


Q&A with Homeowner Jim Osowski Why did you choose this house to remodel? When choosing a house to remodel, I like to take a walk through it and see if it's "talking to me." I have to get a feel for the house before I decide if it's worth the effort. What I first check if it has a good basement and structure; it has to have good bones. This one does. Walk me through your home remodeling process? If you're going to do a major remodel, tear the plaster and lath out completely; get it right down to the two-by-fours. It's a lot messier, but then you start with a clean slate. How did you first get interested in DIY projects? I came from a big family of doers; many people in my family were carpenters. I grew up on a family farm and used to farm myself until 1983 when I went to Moorhead State College. College wasn't for me, so I became an independent contractor and started remodeling/ flipping houses. Where did the remodeling process begin for this home? I knew I was going to redo the kitchen, as well as the back part of the house (including the garage). I also decided to add a family room next to the kitchen, because everybody wants to sit in the kitchen. What original characteristics and features did you want to preserve? There were three main elements of the home that were preserved: the groundlevel wood flooring is original, the 1920s exposed brick in the upstairs, and lots of natural lighting. What kind of legacy do you want to leave behind for the next homeowners? It would be nice to sell to a family. With all of the blood, sweat, and tears, it's a big investment. I just want to see it show good life. This place would be great for kids, and good homes reflect good life.


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The Exterior The home now has a cozy front porch, complemented with various flower and plant landscaping that nestles all the way around to the back deck.

The Kitchen & Dining Room The cabinets feature an elegant rain glass, provided by the now-retired stained glass artist Paul Anderson. The beautifully patterned tile work came from Cole Flooring in Fargo. Ductwork was also installed to provide energyefficient central air for the home. The light fixtures came from Sam's Club, which was a perfect balance of cost-efficiency and design. The sleek quartz countertops were sourced from Spaulding Stone in Moorhead.

Submitted photos provided by Jim Osowski during various stages of the exterior remodeling process.

The golden oak-stained table has been a part of almost every one of Osowski's remodels, and has fit perfectly each time. The warm tones of the contemporary chandelier and Edison bulbs came from Menards. The stained glass in the china hutch was provided by Michael Orchard Studio.



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Osowski installed two windows on either side of the stove to bring some natural life back into the kitchen.

The Foyer & Family Room Not all of Osowski's design planning takes place during work hours: "Sometime's I'll be laying in bed at night, and an idea will come to me," said Osowski, chuckling. "So I jump out of bed and grab my tape measure." Other elements, however, don't need any updated design. The fireplace, for example, retained the original detail from the 1920s when the house was built.


The Bathrooms Both bathrooms provide heated flooring from Carpet World, made from heat-safe vinyl to avoid curling. The opaque glass provides privacy without the need for a curtain. The washer and dryer, sourced from Lowe's, are placed within the bathroom for easy laundry access. Since the back is wider than the front, The tub was placed at an angle for a more balanced look.


Spice Up





Wooden Sign by Grove Interiors


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Found Wood Pedestal



ctober is here; a time for nostalgic scents, fuzzy socks, and gathering with loved ones. This magazine is all about beautiful kitchens, and maybe you're thinking about doing some renovations of your own. Or maybe you've just finished remodeling, and aren't sure how to complete the space with your own finishing touches. These new fall kitchen items from Eco Chic are here to help make your kitchen feel like home.

PHOTOS BY Josiah Kopp 63

Citrus Cedar Leaf Room Spray & Hand Soap


Cassia Clove Candle by Illume


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Capri Volcano Candles in Assorted Mercury Glass Vessels

Cassia Clove Candle in Tin Vessel

Batch Cocktails Book and Wine Glasses


Pizza Night Book by Williams Sonoma, on a Acacia Wood Board and Charcuterie Board Stainless Serving Utensils


COOKING & UTENSILS Brass Measuring Spoons

Black Acacia Mixing Serving Spoons & Turkish Kitchen Towels

Reactive Glazed Mixing Bowls

Linen Potholders & Acacia Wood Utensils


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Stoneware Berry Bowl

Acacia Salt & Pepper Mills & Cream Stoneware Pitcher


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Stoneware Crock & Stackable Salt & Pepper Pinch Pots

Stoneware Coffee Mugs & Chiku Platter


CLEANING & UPKEEP Assorted Natural Beachwood Bristle Brushes

••• ECO CHIC 3265 45th St S | Fargo, ND •••

Dish Soap Dispensers





BY Brandi Malarkey



ur relationships have a powerful impact on our lives. For Glyndon, Minnesota artist Doug Stuckle a challenge from his sister resulted in a 20-year art career.


“I was tearing down an old barn, and I had a piece of wood I thought would be kind of neat to have a picture painted on. Then my sister came to see me, and she brought acrylic paints with her and told me to paint my own picture. So I did. And I liked it.” Since that initial barn wood painting, Doug has taught himself to paint from magazines, books, and videos. Now an accomplished painter, he works primarily with oils. A former farmer who also did custom farming and construction, Doug has spent most of his life working outside. It is, therefore, no surprise that most of his pieces celebrate the outdoors with powerful renderings of the people, wildlife, and landscapes of the upper Midwest. However, Doug’s work is not just a simple reflection of what he sees around him, but rather an exploration of people’s relationship with place. “It’s amazing to me. Lots of times I can tell where people are from by what they are attracted to. Someone comes along and it really hits home and reminds them of growing up, or a barn they used to play in on grandpa’s farm. Emotion and understanding is so strongly tied to place.” To illustrate this, Doug refers to his painting “Modern Buffalo” an arresting image of a buffalo walking down the main highway. “People think my work doesn’t have a message, and it usually does. People like to go to Medora to see the buffalo roaming ‘free’,” he explains. “They are in a big cage, and they might be removed to keep the population in check or if they get too aggressive. Everything about them is controlled. They aren’t free at all. And there was the purposeful extermination of buffalo to remove the Native American’s food source and make them easier to control. There is all this history, and I saw this buffalo walking down the highway alone, and I thought it was so ironic. Most people don’t get that. For them, it is just a buffalo. They aren’t tied to the history. But some do.”


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When you walk into Gallery 4 in Downtown Fargo, where Doug has his original oils on display, customers are drawn by the way the wildlife interact in nature. Whether it’s a pause, a look, or a flutter, an engagement is made with his fine art. While Doug’s paintings are an exploration of the relationship between people, the land, and its history, he also credits the relationship he has with his partner of long-standing, Shelli Fenske, for their quality and depth. “Shelli has been the reason I have persisted with painting, otherwise I would have given up. She is trained in art and has helped me with everything from subject, to contrast, to color. Especially color. I am color blind to the color green, and Shelli has helped me be aware of it and work toward overcoming it. When she helps me correct what I am doing wrong, instead of being discouraged, I feel anxious to start my next project and I have the confidence to proceed. It is like having my own personal mentor at my beck and call!” Now an award-winning artist, for him painting isn’t about acknowledgment, but the intersection of all those connections. Telling stories in a language of dramatic shadows, interesting highlights, and realism, each of Doug’s canvases is a relationship just waiting for the right viewer to connect. •••


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