Dear Neighbors,
Happy Holidays
As we wrap up another year here in San Elijo Hills, I want to take a moment to reflect on what has been one of the most unusual—and in many ways, defining—real estate markets in recent memory. If you’ve felt unsure about what’s happening or where things are headed, you certainly aren’t alone. This has been a year of mixed signals, resilient homeowners, and a market that never quite sped up or slowed down completely.
This year gave us a little bit of everything:
• Higher mortgage rates that rose and dipped with every rumor of a Fed decision.
• Increased inventory, giving buyers more options than they’ve had in several years.
• Cautious demand, as affordability kept many buyers on the sidelines.
• Strong homeowner equity, thanks to years of responsible lending and stable ownership.
Values did adjust from the major price run-up during the pandemic, but the majority of North County sellers still walked away with healthy equity, and buyers finally had room to breathe, negotiate, and make thoughtful decisions.
WHAT THIS MEANS MOVING INTO 2026
As we enter the new year, the overall sentiment is one of cautious optimism. If rates soften—as many expect—they could reignite demand. And locally, homes that are priced strategically and show well continue to find their buyers.
If you’re planning a move in 2026, now is a great time to talk strategy. A single sale in your neighborhood can impact your home’s value in real time, and preparation is everything.
Curious about your current equity? Simply scan this QR code for an instant update.
A PERSONAL HOLIDAY MESSAGE
From our family at Hometown Realty to yours, we wish you a season filled with warmth, laughter, and time with the people you love most. Whether we’ve worked together this year or simply exchanged a friendly wave in passing, thank you. Your support, your referrals, and your trust mean the world to us.
Cheers to a peaceful holiday season and a bright, prosperous 2026.
- Mary M. Cheers!
Mary Maloney, USN Veteran Founder & Team Leader • Hometown Realty
Dear Reader,
As we prepare to transition into a New Year, this edition of MomsTown is dedicated to the power of impact — how each of us, in our own way, has the ability to make a meaningful difference. Whether through our families, our communities, or our work, we’re reminded that one person’s actions can spark change and inspire others to give, grow, and live with purpose.
In this issue, we shine a light on one extraordinary mom who has dedicated her professional life to the nonprofit world. Her story is a beautiful example of what happens when compassion meets commitment — the art of giving back and making service a way of life. We hope her journey encourages all of us to look for ways, big and small, to contribute to the good around us.
We’re also talking about financial planning for major life events — because preparation today builds peace of mind for tomorrow. With the end of the year upon us, it’s the perfect time to review a few simple tax-saving tips: consider charitable donations (yes, even gently used clothes or toys count!), make your final retirement contributions, and look into energy-efficient home credits or educational expense deductions. A little planning before December 31 can go a long way toward keeping more money in your pocket while doing good in your community.
As you look toward the new year, we invite you to think about the power of one word—a single word that can shape your mindset and intentions for the months ahead. Whether it’s peace, growth, joy, or balance, choosing your word gives you a compass to follow when life gets busy.
This edition’s recipe section is filled with festive holiday desserts and showstopping appetizers that will make your gatherings sparkle with taste and style. And for our wanderlust-filled readers, our featured travel mom shares inspiring destination ideas for 2026—perfect for family adventures or much-deserved couple or solo getaways.
And finally, because we know every mom’s schedule is bursting at the seams, we offer a gentle reminder that it’s perfectly okay to say, “No, thank you.” Learning to decline with grace is one of the greatest gifts you can give yourself this season — it preserves your time, energy, and sanity.
As always, a heartfelt thank you to our main sponsor, Mary Maloney, our local realtor whose generous support makes delivering MomsTown to your mailbox possible.
From our hearts to yours — we wish you and your family a joyful, healthy, and inspiring New Year!
With gratitude, Heather & Mary
Photographer: Kathryn Caudle
Through her visionary leadership, boundless creativity, and commitment to community, Susanna Peredo-Swap has transformed San Diego’s arts scene — one exhibition, collaboration, and conversation at a time. An award-winning producer, journalist, and film director, Susanna’s passion for the arts has shaped more than 25 years of leadership, advocacy, and innovation. As founder and executive director of Vanguard Culture, she’s built a powerhouse nonprofit that uplifts San Diego’s creative workforce and celebrates cultural excellence. With deep roots in arts education, curation, and collaboration, Susanna continues to champion the local creative community — proving that when we support the arts, we enrich not only our culture but the heart and soul of our city.
Q: You’ve worn so many creative hats — producer, journalist, vocalist, and arts administrator. What first sparked your lifelong passion for the arts, and how has that passion evolved through the years?
A: I come from a large family of creative professionals including singers, musicians, actors, models, and architects. From a young age, they’ve always held a deep respect for the creation of joy, beauty, delight and provocation. It was instilled in us from a very young age that the arts could serve both as a mirror to society and to disconnect us from the stressors of the everyday. This philosophy gave me the permission to seek out a career as a creative — first as an actor and jazz vocalist, then as a curator and now as a producer and arts journalist. The essence of why the arts matter, has never changed for me. It brings joy during times of uncertainty and instills a sense of wonder and hope for when we need it most. I truly believe that the arts community is doing very important work right now.
Q: Vanguard Culture has become a respected force in the San Diego arts scene. What inspired you to create it, and how has it grown into the award-winning organization it is today?
A FORCE FOR ART Susanna Peredo-Swap Inspires a More Beautiful San Diego
A: In 2012, after over a decade of working with professionals in film, theatre, dance, visual arts, music, and fashion, I had come to the realization that creatives were often stuck in silos and not talking to one another. It seemed like such a missed opportunity. Vanguard Culture began with the premise that if we could get creatives across industries to meet one another and invite them to share resources, collaborate and inspire one another, not only would their costs go down, but the quality of the work would be elevated. So, we started bringing them together very organically in a series called The Foodie Soiree. It was basically a potluck except instead of only sharing food, guests were also invited to share their talent. This diverse group of arts leaders was now enjoying quality networking across industries while also being treated to live music and dance, spoken word, theatre, fashion shows, art installations and more. The series jumped around to various people’s homes but one of my favorite moments was when it took place in our home and the California Ballet performed in our living room with a museum director (among the many in the crowd), sitting on a couch pillow on the floor watching the show.
By 2016 we had built a vibrant and diverse community of arts leaders that were invested in doing more together. It was a promising start, but we realized that creatives needed more than just connection, they needed skills, training, networking and visibility to help them make a living doing the thing that they love. It started to shift our understanding of what it meant to succeed in the arts, and we realized that there was much more work to be done. By May of that year, we became a 501(c)3 nonprofit.
I’m so excited that next year will be our 10th anniversary of becoming a nonprofit and through this journey we have provided over 75 of free or low-cost professional development courses for creatives that are now streaming on our YouTube page. We’ve also won over 80 awards for Excellence in Journalism and built partnerships with over 9,000 creatives across all industries from both sides of the US/Mexico border. Our cultural events serve not only as inspiring experiences for arts patrons, but also as a catalyst for creative collaboration.
We are very intentional about bringing together creative communities that never intersect and inviting them to share resources, collaborate and work together to create something completely new. Vanguard Culture has since been featured on the National Geographic Channel for its innovative approach to programming, won two prestigious Gold Anthem Awards, presented by the Webbys and has grown a reputation for unforgettable, oneof-a-kind experiences.
The most satisfying part of my job is seeing hundreds of careers flourish and dozens of new partnerships develop because of our programming. It has been an incredible and very inspiring journey.
Q: 82 journalism awards and two Gold Anthem Awards are incredible milestones. What do these recognitions mean to you, and what do they say about the strength of San Diego’s creative community?
A: I love bringing visibility to the region’s creative virtuosity. Often, San Diego is seen as just a sleepy beach town but what visitors don’t realize is that we have a very vibrant and eclectic art scene. Our strategic positioning between Los Angeles and an international border, provides an influx of visionary ideas and programming that is unlike anywhere else in the world. We try to bring attention to that via the Vanguard Culture WEEKLY newsletter which highlights the week’s most interesting, unique or innovative cultural events.
Q: You’ve curated over 80 exhibitions and performing arts events at San Diego International Airport. What did that experience teach you about the power of public art in unexpected spaces?
A: The best part of that experience was getting to share our local story with the visitors to our region. With over 25 million passengers deplaning in San Diego each year, we had the opportunity to curate exhibitions and live performances that were welcoming, engaging and created a sense of place for those experiencing San Diego for the first time. That’s the power of public art — it helps tell the story of the community you are stepping into. Our community is one that is tethered to the beauty of nature, the vibrant cross-border culture, naval history and deep roots with the Kumeyaay community.
Q: You’ve served on numerous arts boards and cultural councils. How important is community service and advocacy in sustaining a vibrant local arts scene?
A: Advocacy for the arts is essential, especially now. The current administration has cut funding for the National Endowment for the Arts, National Endowment for the Humanities, Institute of Museum and Library Services and the Department of Education, not to mention the funding cuts to the arts locally and regionally. It is our responsibility to voice our support for the arts on every level if we want the arts to survive. Unfortunately, we tend to take for granted the importance of the arts are until we no longer have them. If we look back at the height of COVID for example, many of us were desperately scrolling through the internet with the hopes of encountering something beautiful. From zoom ballet performances, to choirs singing across the world, many of us even picked up a guitar, a paint brush or a baking sheet for the first time in years, just to be
reminded of what it felt to be truly human again. Art was an essential part of that story, and it is essential now.
Q: How can moms, families, and everyday San Diegans better support local artists and cultural programs?
A: I think about the future that my children will inherit, and it means so much to me that they continue to live in a city with world-class museums, theaters and concert venues. I want them to live in a city that values the work of creatives and empowers them to see the beauty in the everyday and feel hopeful for the future. That is the engine that inspires me to continue this work. Regardless of your financial capacity, every action in support of the arts is needed right now. Whether you are attending an arts event, or donating to organizations that bring you joy, or writing a letter to your legislators in support of the arts. Every bit helps.
Q: Looking ahead, what’s next for Vanguard Culture — and for you personally? Any upcoming projects or dreams you’re most excited to bring to life?
A: Vanguard Culture will celebrate its 10th Anniversary Season in 2026 with several exciting events and programs including a heightened version of our Artist @ the Table series featuring an immersive installation by sound, light and multimedia artist Ben Guerrette and Chef Flor Franco in March, a great multi-disciplinary storytelling event in April, an Arts Nonprofit Summit in August, and of course a one-of-a-kind event in October to celebrate over a decade of visionary programming with the community. I encourage everyone to sign up to our newsletter to stay connected and receive a weekly curated calendar of some of the region’s most innovative visual and performing arts events — vanguardculture.com/newsletter-sign-up
FINAL NOTE:
If you’re looking for a great holiday gift for the foodie in your life: events.com/r/en US/tickets/an-artist--the-table-ben-guerrette-sandiego-march-999741
Creative Industry Roundtable
Artful plating by Chef Daniella de la Puente
Steamroller printmaking by Mesa College Art Gallery
Photography by Vanessa Cindy
Photography by Kathryn Caudle
Photography by Kathryn Caudle
Photography by Kathryn Caudle
Vanguard Culture's recent ENVZN Urban Art Takeover in Logan Heights. Society of Wonder by Animal Cracker Conspiracy
Virtuosa violinist Rubi Lee Vanguard Culture's Artist @ the Table event in partnership with "From the Top"
Photography by Vanessa Erdody
Vanessa is a speaker, Playologist, and author sharing the Art and Science of Yes Living, inviting women to create and live with playful ease. Discover more at YesLiving.com.
I know, it’s a sassy question. But stay with me.
I promise, this isn’t about dieting.
This week was heavy — emotionally, mentally, and physically. My dad, dealing with ongoing complications from chronic kidney disease and congestive heart failure, was in the ICU with fluid in his lungs and starting emergency dialysis.
I spent the week helping him stabilize into a new and strange routine including hospitals, logistics, worry, exhaustion — and drove no less than twenty-five hours shuffling him to and from appointments. It was the kind of week that could have left me depleted, running on adrenaline and prayers.
Normally, I’d spend all the in-between moments replaying every conversation, every what-if, every could-have-been. However, every time I got in the car, I pressed play on The House Witch by Delemhach. On those long drives, just for a while, I disappeared into someone else’s imagination.
How Much Do You Weigh?
THIS WEIGH-IN IS NOT WHAT YOU THINK!
When I got home one Friday, a friend asked, “How are you doing mentally?”
I said, “Great, actually.”
She looked at me, puzzled. “How?”
I paused for a second before realizing, “I don’t know. I just don’t feel stressed.”
That’s when it dawned on me.
All week I’d been listening to the story of a sassy male house witch and how he transformed a kingdom with his cooking and shenanigans. Rather than being weighed down by stress, looping in rumination, I was buoyed by imagination. Sometimes howling with laughter, sometimes tearful, and always hopeful.
Somewhere between the nurses’ check-ins and the endless waiting, something unexpected happened. I started to feel lighter. Happier. Even in my body.
It reminded me how much weight we carry when we keep looping the past — our worries, regrets, what-ifs. It’s like lugging sacks full of old versions of ourselves — maybe our parents, old bosses, or the crappy bully from childhood. But when we step into imagination, we set it all down for a while.
Imagination doesn’t just allow us to explore new worlds; it creates relief. It gives the brain somewhere else to go besides the same old stories. It stretches us open to possibility again.
Sometimes it’s just about listening to a fun story, letting your mind play, and remembering the weightlessness you crave might just be found in the lightness of wonder.
To read more, follow Vanessa Elle Wilde on Substack @TheWildest
THE POWER OF ONE WORD: SETTING AN INTENTIONAL THEME FOR THE NEW YEAR
How Choosing a Single Word Can Transform Your Year — and Your Mindset
Every January, we’re flooded with talk of resolutions — long lists of goals, gym memberships, and promises to do more. But what if this year, instead of chasing more, you focused on one thing? One powerful word that captures who you want to become and how you want to feel.
Choosing a single word as your theme for the year is more than a clever trend — it’s a powerful act of intention. Your word becomes a compass, gently guiding you through decisions, challenges, and daily routines. It’s not about doing more; it’s about becoming more aligned with what truly matters.
HERE’S HOW TO FIND YOUR WORD AND MAKE IT WORK FOR YOU:
1. REFLECT BEFORE YOU SELECT
Before you choose your word, take a quiet moment to reflect on the past year. Ask yourself:
● What worked well?
● What drained my energy?
● What do I want more (or less) of in my life?
This reflection isn’t about regret — it’s about awareness. Often, your word will emerge naturally from what your heart has been whispering. If last year felt chaotic, you might crave “Peace.” If you felt stuck, maybe “Grow” or “Forward” calls to you.
2. LISTEN FOR RESONANCE, NOT PERFECTION
You don’t have to overthink it. The best word is one that feels right—the kind that gives you a small spark when you say it out loud.
Try a few on for size: Joy, Courage, Balance, Freedom, Flourish, Focus, Grace.
Say them aloud. Write them down. Notice how your body reacts. The word that feels warm, steady, or even slightly challenging is often the one your soul is craving.
3. MAKE IT VISIBLE
Once you’ve chosen your word, let it live where you’ll see it daily. Write it on a sticky note for your mirror, make it your phone’s wallpaper, or place it on your vision board. The more you see it, the more it roots itself into your thoughts and decisions.
Visual cues are powerful. When you’re stressed or unsure, your word becomes an anchor—a reminder to return to what you set out to cultivate.
4. ALIGN YOUR ACTIONS
Having a word is just the beginning; living it is where the magic happens. Ask yourself each week, How can I embody my word today?
If your word is “Joy,” maybe it’s saying yes to a walk with a friend. If it’s “Courage,” it might be finally sharing your work, applying for a new job, or setting a boundary.
Small actions aligned with your word lead to big shifts over time.
5. REVISIT AND RENEW
Your word is not a contract — it’s a compass. Revisit it throughout the year. Does it still fit? Has it evolved? Some people discover a second word midyear that deepens or refines their focus. Let your word grow with you.
ONE LAST TIP: This year, choose a word that lifts you up when life gets noisy. Whisper it in moments of stress, celebrate it in small victories, and let it remind you that growth isn’t about doing everything — it’s about doing the right things with heart and intention.
So, what’s your word for 2026?
Go ahead — write it down here:
EXPLORE AMERICA’S
NATIONAL PARKS IN 2026
A Year of Family Adventure
There’s something magical about loading up the car, packing snacks, and setting out to explore the great outdoors. As the new year begins, many families are craving experiences that reconnect them — with each other and with nature. If you’re dreaming up travel plans for 2026, consider exploring America’s national parks. These natural treasures offer awe-inspiring beauty, family-friendly adventure, and a chance to create lasting memories — all without needing a passport.
REDISCOVER THE GREAT AMERICAN ROAD TRIP
National park adventures invite us to slow down and savor the journey. Instead of rushing from airport to airport, map out a scenic route through the Southwest, Pacific Northwest, or Rockies. From desert sunsets in Arizona to misty mountain mornings in Montana, every stretch of highway reveals a new backdrop. Pack a cooler, download a few podcasts, and let the open road lead you to wonder.
TOP FAMILY-FRIENDLY PARKS TO VISIT
● Yosemite National Park (California): Famous for its waterfalls and towering granite cliffs, Yosemite is a playground for explorers of all ages. Easy trails like Lower Yosemite Falls and Mirror Lake make it ideal for kids.
● Yellowstone National Park (Wyoming, Montana, Idaho): Geysers, hot springs, and roaming bison create a real-life science lesson your children will never forget.
● Acadia National Park (Maine): Coastal charm meets mountain views on the East Coast. Families can bike the carriage roads or catch the first sunrise in the U.S. from Cadillac Mountain.
● Zion National Park (Utah): For adventurous families, the red-rock canyons and river hikes of Zion are breathtaking. Try the Riverside Walk or explore the Narrows during summer months.
● Great Smoky Mountains (Tennessee, North Carolina): America’s most-visited park offers lush forests, waterfalls, and wildlife spotting — all accessible by car or short hikes.
MAKE IT A LEARNING EXPERIENCE
Turn your vacation into a hands-on classroom. Encourage kids to earn their Junior Ranger badges, a fun National Park Service program that teaches conservation and ecology. Older children might enjoy documenting the trip through photos or journaling about the unique landscapes and wildlife they encounter.
BUDGET-FRIENDLY TIPS
You don’t have to spend a fortune to experience the parks. The America the Beautiful annual pass covers entrance fees to more than 2,000 federal recreation sites. Many parks also offer free admission days each year — perfect for planning a weekend getaway. Consider camping or renting a cabin to save on lodging, or pair your park visits with nearby small-town stays for added charm.
CAPTURE THE MOMENT
Whether it’s roasting marshmallows under the stars, spotting a herd of elk at dawn, or hiking to a waterfall, national parks remind us that life’s best moments are often the simplest.
So as 2026 unfolds, make room in your calendar — and your heart — for adventure. Let this be the year your family explores new trails, breathes fresh air, and rediscovers the joy of togetherness. The parks are waiting, and the memories are yours to make.
QUICK TRAVEL TIPS FOR YOUR NATIONAL PARK ADVENTURE
1. Plan Ahead: Book campsites or park lodges early — some fill up months in advance.
2. Pack Smart: Bring layers, refillable water bottles, sunscreen, and sturdy shoes.
3. Go Tech-Light: Download maps before you go; many parks have limited cell service.
4. Snack Savvy: Keep a small cooler with healthy, easy-to-grab snacks like fruit, nuts, and granola bars.
5. Stay Flexible: Weather and wildlife can change plans — embrace spontaneity!
6. Capture Memories: Assign kids as “family photographers” or “junior rangers” for added fun.
7. Leave No Trace: Respect nature by packing out trash and leaving what you find.
REIGNITE YOUR CREATIVITY IN THE NEW YEAR How to Find Inspiration After the Holiday Hustle
The holidays are full of glitter and good cheer — but they can also leave even the most creative minds feeling drained. Between wrapping gifts, juggling events, and managing expectations, it’s easy to lose touch with that spark that once made you excited to create, build, write, or dream. As the new year dawns, it’s time to refill your cup and reignite that creative energy. Here are some simple, soul-nourishing ways to help you find your inspiration again — without pressure or perfection.
1. EMBRACE THE PAUSE
After weeks of nonstop activity, your mind needs rest. True creativity doesn’t bloom in chaos; it grows in calm. Instead of diving straight into a new project, give yourself permission to do nothing for a few days. Take slow walks. Enjoy your coffee without multitasking. Allow space for quiet. Rest isn’t laziness — it’s the soil where new ideas take root.
2. CHANGE YOUR SCENERY
You don’t have to travel far to feel inspired again. Visit a local coffee shop, spend time by the ocean, or rearrange your workspace. A fresh environment can shift your perspective and help ideas flow more easily. Even a small change — like adding a plant, candle, or quote board to your desk—can make your creative zone feel renewed and inviting.
3. DO SOMETHING FOR PURE JOY
When was the last time you created something just because? Paint without a plan. Journal with no goal. Sing loudly while cooking dinner. Creativity thrives when it’s playful, not productive. Let yourself explore without worrying about the outcome. Sometimes the best ideas come when you’re simply having fun.
4. START A SMALL CREATIVE RITUAL
Big projects can feel intimidating after a busy season, so start small. Commit to ten minutes a day doing something creative — writing in your journal, sketching, baking, or brainstorming. Over time, these little moments add up and reignite your creative rhythm. Think of it as your daily “creative coffee break.”
5. RECONNECT WITH YOUR SENSES
The quickest way to awaken creativity is to reconnect with your body and senses. Light a candle, listen to a sound bath, stretch, or dance in your living room. When you engage your senses, your nervous system relaxes, your imagination opens, and your creative energy begins to rise again.
6. REFLECT BEFORE YOU REDEFINE
Before setting ambitious goals for the new year, take a moment to reflect on what inspired you last year. What made you feel alive? What drained you? Use your reflections as a compass for your creative year ahead. Write them down in a journal or talk them out with a friend. The clearer your “why,” the stronger your spark.
7. SURROUND YOURSELF WITH INSPIRATION
Creativity loves company. Join a local group, attend a workshop, or connect with others who are creating, dreaming, and doing. Being around passionate people helps you stay inspired and reminds you that creativity isn’t just about producing — it’s about connecting.
In 2026, give yourself permission to begin again — slowly, gently, and with curiosity. Creativity isn’t something you have to chase. It’s always inside you, waiting patiently for the moment you stop, breathe, and make space for it to return.
Before our son was born, even after reading the book What to Expect When You’re Expecting, I still felt a significant amount of uncertainty. I had no experience caring for a newborn, and I was unsure what our new budget would look like. Everyone knew expanding your family would cost money, but to what extent, we had no idea.
If you have any questions, or success stories to share, please reach out! I’d love to hear them. My email is: li.tian@lpl.com
Financial Planning for Major Life Events: Purchasing a House
When I started my first job, I quickly noticed that unlike my friends at graduate school, most of my new colleagues owned their homes, whether they were houses or condos. As an immigrant from China who arrived in the early 1990s, the idea of owning a home hadn’t really occurred to me until then. However, my in-laws were very encouraging, nudging us to think seriously about purchasing our first home. It felt like the right move; after all, buying a home seemed like such a “grown-up” thing to do, and the housing market was getting really competitive. So, one month after my husband started his new job, we jumped into the fray, participating in a bidding war, and managed to buy our first home just weeks before the year 2000 rolled in.
For many, purchasing a new home — especially the first one —marks a significant milestone in life. One of the key aspects of this intricate journey is finances.
So here, I want to share some tips for anyone considering a property purchase, especially if it's your first home purchase.
Plan well in advance As full cash payment isn’t in the cards for the most of us. Starting early in these areas can help you tremendously!
a. Keep your credit score in shape Aim for good to excellent, as higher scores can lead to better mortgage rates.
b. Tackle your debt, especially those high-interest loans This helps lower your Debt-to-Income ratio, which is crucial for qualifying for a mortgage.
c. Boost your emergency fund Home ownership can bring additional unexpected expenses, so having a solid emergency fund will ease you into your new financial situation.
d. Ensure stability A consistent income is essential not just for the initial purchase but also for managing ongoing monthly mortgage and other expenses.
Define your home-buying budget
a. Clarify your needs and desires regarding the house Think about location, size, and must-have features.
b. Assess your willingness to take on potential renovations If the house isn’t brand new, expect to invest time and money into updates and upgrades.
Take your time to research your new home
a. Location is key Consider factors like proximity to work, school districts, neighborhood vibe, and amenities like parks and trails — they can greatly influence your enjoyment of the area.
b. Think through the specifics What kind of home do you want, how many bedrooms and bathrooms do you need? Identify what's nonnegotiable and where you might be flexible to stick to your budget.
Understand your mortgage budget and cash flow
a. Save for your down payment It's generally advisable to aim for a down payment of 20% of the home's purchase price. However, there are exceptions like VA loans that may have different requirements. Also, don’t forget to set aside funds for closing costs, which can be significant as well.
b. Get pre-approved for a mortgage ahead of time Don’t wait until you find your dream home to begin mortgage shopping. If you’re not purchasing a new build, you have the advantage of exploring various mortgage. While it’s useful to get pre-approved for the maximum loan amount, establish a comfortable limit that keeps your finances in check.
c. Anticipate budgeting changes when moving from renting to owning Your expenses will likely shift significantly. Beyond your monthly mortgage payment, there are other costs such as HOA fees, property taxes, and possibly higher utility bills, along with repair and renovation expenses that may rise each year. Adjust your budget and expectations accordingly.
d. Get professional guidance I believe a good real estate agent is worth their weight in gold. A knowledgeable realtor can save you from overlooking critical details that might cause problems later on. Fortunately, our community has many fantastic real estate agents. It’s worthwhile to speak with a few realtors and loan agents to find someone who aligns with your style and needs.
Utilize tax benefits of homeownership Managing the costs of owning a home can be daunting, but there are also tax advantages that can ease the financial burden, particularly if you itemize your deductions:
a. Mortgage interest deduction You can deduct your mortgage interest, with certain limits in place.
b. Property tax benefits You can also deduct property taxes, and maybe the state and local tax (SALT) if you qualify.
c. State-specific perks In some states, like California, primary residents may qualify for property tax reductions, so make sure to file an application if that applies to you.
In Conclusion Buying a house, particularly your first one, can be a bit daunting. But with the right preparation and support, it can lead to a sense of stability and accomplishment. And it may just be the “grownup thing” that you’d like to do. I genuinely hope that with the guidance of experienced professionals, you’ll find the home of your dreams and create lasting memories there for years to come!
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Li Tian is a registered representative with, and securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC
ELEVATED ELEGANCE IN SAN ELIJO HILLS perched atop Double Peak Ridgeline in the exclusive Atherton enclave - this home is a rare opportunity to own a former model home where timeless design meets thoughtful upgrades at every turn. This expansive, family-friendly residence showcases premium upgrades, curated to elevate everyday living. From the moment you arrive, lush, meticulously maintained landscaping sets the tone—this home is a true gardener’s paradise, boasting hundreds of flowering plants, mature trees, and succulents. The gardens transform into a glowing oasis by night—an experience that must be seen to be believed. Inside, designer finishes create a seamless blend of style and function. Custom hardwood cabinetry, rich granite countertops, and elegant french doors flow throughout the home. A gourmet kitchen equipped with ge profile appliances and modern lighting opens to multiple outdoor patios, ideal for relaxed gatherings or grand-scale entertaining. Smart living meets stylish comfort: enjoy a fully paid solar system that saves thousands annually, whole-house built-in speakers and keyless entries the backyard is an entertainer’s dream: unwind in the custom spa and waterfall, gather around the outdoor tuscan fireplace, and grill and entertain with ease—all framed by low maintenance turf and tranquil surroundings.
ELEVATED ELEGANCE IN SAN ELIJO HILLS perched atop Double Peak Ridgeline in the exclusive Atherton enclave - this home is a rare opportunity to own a former model home where timeless design meets thoughtful upgrades at every turn. This expansive, family-friendly residence showcases premium upgrades, curated to elevate everyday living. From the moment you arrive, lush, meticulously maintained landscaping sets the tone—this home is a true gardener’s paradise, boasting hundreds of flowering plants, mature trees, and succulents. The gardens transform into a glowing oasis by night—an experience that must be seen to be believed. Inside, designer finishes create a seamless blend of style and function. Custom hardwood cabinetry, rich granite countertops, and elegant french doors flow throughout the home. A gourmet kitchen equipped with ge profile appliances and modern lighting opens to multiple outdoor patios, ideal for relaxed gatherings or grand-scale entertaining. Smart living meets stylish comfort: enjoy a fully paid solar system that saves thousands annually, whole-house built-in speakers and keyless entries the backyard is an entertainer’s dream: unwind in the custom spa and waterfall, gather around the outdoor tuscan fireplace, and grill and entertain with ease—all framed by low maintenance turf and tranquil surroundings.
The “magic house” sits on a 2.5-acre parcel in the custom home community of Cahuilla Hills. This property sits alongside conservancy land offering incredible unobstructed mountain views and access to hundreds of miles of hiking from the property. The painted desert skies, desert landscapes and private Stone Eagle Golf Course views from the backyard are truly magical. One of the best view lots in all of Cahuilla Hills. This custom, solar-powered home is a perfect full time residence or seasonal home with profitable vacation or party rental potential. Thoughtful details have been incorporated in the design of the house from the jaw dropping room size walk in Grohe rain shower in the master, to the Linear diffusers in the ceiling to equally distribute air flow throughout, whole home water purification system, this home is comfortable, luxurious and thoughtfully designed smart home. The indoor-outdoor kitchen is equipped with Thermador appliances, and floor to ceiling doors that open to incredible desert views below. This home boasts a beautifully epoxied 4-car garage with ample space for your vehicles and toys. This property includes an additional building pad already graded and ready for your customization.
a nutritious diet SUPER FOODS FOR
The health community has long praised the benefits of vitamins and nutrients derived from natural sources. For those looking to improve their health or take preventative measures, these 10 natural super foods can be incorporated into your daily diet to help support your health:
GREEN TEA Armed with a special type of antioxidants called polyphenols, green tea can decrease plaque formed in the arteries and can fight prostate cancer.
ROSEMARY Studies have shown this powerful spice can reduce the risk of stroke, as well as protect against Alzheimer’s disease.
ALMONDS Full of plant sterols and amino acids, almonds can help lower high cholesterol and promote muscle growth. These handheld treats are also rich in vitamin E, which can protect skin from sun damage.
FATTY FISH Rich in omega-3 fatty acids, fatty fish such as salmon, flounder and sardines can lower the risk of heart disease.
BANANAS This easy, portable snack is loaded with essential potassium, which regulates the nervous system. Bananas also offer loads of vitamin B-6, which aids immunity and metabolism.
WHOLE GRAINS These powerful body defenders have been known to boost immunity, protect against various cancers and reduce cholesterol.
EGGS These energy-packed breakfast favorites contain a special type of protein that helps build muscle strength more than other proteins. When compared to other breakfast foods, eggs can also keep you feeling fuller longer with fewer calories and fat.
SPINACH Chock-full of magnesium, potassium and various vitamins and nutrients, spinach can prevent clogged arteries and protect against prostate and colon cancers.
SOY This protein-packed food contains isoflavones, which can aid in treatment and prevention of prostate cancer. Also, research from the Food and Drug Administration shows that 25 grams per day can help lessen the risk of heart disease.
DARK CHOCOLATE Satisfy your sweet tooth and improve blood flow to the brain at the same time. Dark chocolate can also lower blood pressure and increase skin’s resistance to UV rays.
Find more health-conscious tips at eLivingToday.com
WAYS YOU CAN HELP TACKLE HUNGER & STRENGTHEN COMMUNITIES This Holiday Season
The holiday season is often a time of joy, connection and celebration. For millions of families across the country, however, it is also a season of uncertainty, wondering how to put food on the table or meet other essential needs. According to the USDA, more than 47.4 million people in the United States experience food insecurity each year.
That’s why, each holiday season, thousands of Charles Schwab employees come together to fight hunger and strengthen the communities where they live and work. Through employee meal-packing events and nonprofit grants, volunteers and partners help families access nutritious meals and vital support during the holidays and beyond.
“As we gather with loved ones this season, it’s important to remember that not all of our neighbors have that security,” said Kristine Dixon, managing director of Charles Schwab Community Affairs. “By working side-by-side with local hunger relief organizations, we’re helping ensure more families can share in the joy of a holiday meal and the peace of knowing they are supported.”
As you prepare for the holidays, here are a few ways you can help address hunger relief and support your neighbors.
DONATE TO A LOCAL FOOD BANK
Food banks and pantries are at the heart of efforts to make nutritious food accessible for all. Inflation and rising costs of living have stretched budgets thin, making it harder for families to afford groceries. Nonperishable donations such as canned goods, pasta and rice are always in high demand. Monetary donations often go even further, giving food banks the ability to purchase exactly what is needed most.
VOLUNTEER YOUR TIME
The gift of time is just as valuable as food donations. Food banks and hunger relief nonprofits rely on volunteers to sort, pack and distribute meals. Even a few hours can make a meaningful difference, adding up to thousands of volunteer hours to help nonprofits meet urgent needs during the holiday season and year-round.
SUPPORT COMMUNITY PARTNERSHIPS
No single organization can solve hunger alone. Collective action from neighbors, companies, nonprofits and others is what creates lasting impact. This year, Schwab employees will join forces with partners like Harvest Pack to pack more than 1 million nutritious meals for families across the country. Supporting these types of efforts, whether through donations, volunteering or spreading awareness, can expand the impact.
Hunger is about more than food; it’s about stability and opportunity. By giving, volunteering and partnering with organizations that serve families in need, you can make the holiday season brighter for millions of Americans.
Photo courtesy of Shutterstock
Photo courtesy of Getty Images
SHOWSTOPPING PARTY BITES for Holiday Celebrations!
When gathering around the table with family and friends during the holidays, the main course is often front and center, but every great host or hostess knows it’s not always the star of the show. Kick off the evening with effortless, crowd-pleasing party bites that will impress your guests and set the tone for a memorable night.
If you’re looking for inspiration for your next seasonal gathering, look no further than accompaniments made with premium European ingredients like Grana Padano PDO cheese and Prosciutto di Parma PDO — some of the world’s most delicious cheeses and cured meats.
Only products made following traditional methods within defined geographic regions, under strict supervision and using carefully monitored ingredients, qualify for Protected Designation of Origin (PDO) certification from the European Union. The PDO system helps distinguish these foods from imitators and guarantees high quality, authenticity and traceability.
Made in the Po River Valley in northern Italy from raw, semi-skimmed cow milk, Grana Padano PDO cheese is naturally lactose free due to the characteristics of its production and long aging process and rich in protein, vitamins and mineral salts, especially calcium. A 100% natural product, Prosciutto di Parma PDO contains no additives such as nitrites, nitrates or hormones. Produced only in Parma, Italy, its allnatural aging process creates a wide variation in flavor profiles and textures, from mild and nutty to mature and full-flavored.
These artisan meats and cheeses can be enjoyed on their own alongside olives, nuts, bread and your favorite jam for a quick and easy holiday snack board. And they shine in culinary treasures like Whipped Ricotta Toast with Prosciutto di Parma and Hot Honey or Grana Padano and Nutmeg Cheese Puffs that feed the soul and warm the heart.
To ensure authenticity, look for the red and yellow PDO logo, and visit distinctlydeliciouslyeuropean.eu for more seasonal recipe ideas and pairing tips for your next get-together.
PARTY BITES to warm the belly & the heart
Whipped Ricotta Toast with Prosciutto di Parma & Hot Honey
Yield: 3 toasts (6 halves)
3 large slices thick-cut sourdough bread
1 container (16 ounces) whole milk ricotta cheese salt, to taste pepper, to taste hot honey
6 slices (3 ounces) Prosciutto di Parma PDO
In toaster oven, toast bread to desired doneness. Set aside.
In large bowl, with electric mixer, beat ricotta until whipped and creamy, about 2 minutes. Add salt and pepper, to taste.
Spoon ricotta onto each toast evenly. Drizzle each with hot honey, as desired. Top each with two slices prosciutto.
Grana Padano and Nutmeg Cheese Puffs
Servings: 4
1 3/4 cups milk
1 cup unsalted butter
1 teaspoon salt
1 2/3 cups flour
1 cup, plus 1 tablespoon, grated Grana Padano PDO cheese, divided
6 medium eggs
black pepper, to taste nutmeg, to taste canola oil, for frying
In pan, boil milk, butter and salt until butter is dissolved.
Add flour and stir using wooden spoon over low heat until mixture doesn’t stick to bottom of pan. Add 1 cup cheese and stir 1 minute. Remove from heat.
Put mixture in mixing bowl and add eggs one by one until mixture is smooth. Add black pepper and nutmeg, to taste.
Let mixture cool and form dough into small, round parcels. Fry parcels in hot canola oil, about 325 F, until golden. Dust with remaining cheese and serve.
SAVOR THE SEASON WITH fresh roasted pork
If this year’s holiday menu is in need of an upgrade, look no further than the main course. A twist on tradition may be all that’s necessary to take seasonal meals up a level for a fresh way to savor the season and celebration.
Pork can become your family’s new festive favorite with this showstopping Stuffed Boneless Pork Loin Roast at the center of the feast. Fragrant stuffing made from aromatic veggies, bread, sage, rosemary and apples turns a simple pork loin into a dazzling dish that’s sure to wow loved ones.
Stuffed Boneless Pork Loin Roast
Prep time: 40 minutes
Cook time: 95 minutes
Servings: 6
1 Coleman Natural boneless pork roast (3-4 pounds)
1 tablespoon extra-virgin olive oil
1 tablespoon butter
1/2 cup diced celery
1/2 cup diced carrots
1/2 cup diced onions
2 large eggs
1/2 cup milk salt, to taste pepper, to taste
1 tablespoon fresh sage
1 tablespoon fresh rosemary
2 cups cubed fresh bread, crust removed
1 apple, diced gravy, for serving
Preheat oven to 375 F.
Butterfly the roast.
In large skillet over medium-high heat, heat oil and butter. Add celery, carrots and onions; cook until softened, about 5 minutes.
While vegetables are cooking, whisk eggs; milk; salt, to taste; and pepper, to taste, until well combined. Mince sage and rosemary.
In large bowl, combine bread, vegetable mixture, liquid ingredients, apples, sage and rosemary. Gently toss until bread absorbs most of the liquid.
Cut three pieces of butcher’s twine about 4 inches longer than the longest side of butterflied roast. Lay string on cutting board horizontally and lay roast on top of string to cover.
Place half of the stuffing mixture onto butterflied pork loin and press down firmly. Roll roast up and tie with butcher’s twine to hold it together, taking care not to tie too tightly, and press any stuffing that comes loose back into ends of roast.
Place stuffed and tied roast, fat cap up, on rack over baking sheet. Season liberally with salt and pepper; roast until meat thermometer inserted into roast registers 140 F, 75-90 minutes.
Place remaining stuffing in a small ovenproof casserole dish and cover with foil. After roasting 30 minutes, place extra stuffing in oven to cook alongside roast.
Remove foil from extra stuffing and remove roast from oven. Let rest for 10 minutes then remove the extra stuffing from oven.
Cut twine from roast and discard. Cut roast into six thick slices, taking care not to lose stuffing. Serve with extra stuffing and gravy.
Find more holiday recipe ideas by visiting ColemanNatural.com
ADD SOME GREENS to your meal
Lemony California Grape & Beet Salad
Servings: 6
1/4 cup, plus 1 tablespoon, extra-virgin olive oil, divided
3 tablespoons lemon juice
1 tablespoon honey
2 cups peeled and sliced (1/8-inch thick) raw red and yellow beets, cut into small half-moons or triangles
1/2 teaspoon sea salt
3 cups halved red Grapes from California 1/2 cup roasted salted pumpkin seeds
2 green onions, thinly sliced
4 cups (3 ounces) baby arugula freshly ground pepper, to taste
Heat oven to 400 F and line baking sheet with parchment paper. In large bowl, whisk 1/4 cup olive oil, lemon juice and honey; set aside.
Place sliced beets on prepared baking sheet and drizzle with remaining oil. Add salt and toss well to coat. Spread in single layer and bake 25 minutes, or until tender; let cool.
Add grapes and pumpkin seeds to bowl with dressing and toss well to coat. Add cooled beets, green onions and arugula. Toss lightly; season with pepper, to taste.
Nutritional information per serving: 250 calories; 5 g protein; 25 g carbohydrates; 16 g fat (58% calories from fat); 2.5 g saturated fat (9% calories from saturated fat); 0 mg cholesterol; 320 mg sodium; 3 g fiber.
Find more health and nutrition info at GrapesFromCalifornia.com
CHOOSE FRESH CHERRIES FOR healthy and sweet snacking!
This year provided a long sweet cherry season, which means fresh sweet cherries will be available in produce aisles during the back-toschool season. Cherries, which are a superfruit packed with nutrients and antioxidants, are perfect for lunchboxes, after-school snacking and grab-and-go munching in the car on the way to and from activities.
Sweet cherries’ high antioxidant content, beneficial effects on inflammation and natural ability to improve sleep quality make them a must-add to your grocery list. Even picky eaters can enjoy this nutritious snack. It’s a sweet treat that won’t spike sugar levels, providing steady nutrition as cherries boast a lower glycemic index than almost any other fruit.
Sweet cherries are also loaded with vitamin C to help boost immune systems and keep skin glowing. Studies have found sweet cherries are packed with serotonin, which is an important neurotransmitter that plays a role in managing stress and stabilizing mood. Cherries are also a great source of fiber, adding to their benefits during the back-to-school season.
Cherries are not only a healthy snack; they are also convenient. For younger kids, cherries can be easily pitted for easy and safe snacking. If you don’t have a cherry pitter, cherries can be pitted with a knife or kids can try removing the stem and gently pushing a straw or chopstick through the middle of the cherry until the pit pops out. For older kids, cherries only need to be rinsed before adding them to a lunchbox. Cherries also easily keep for hours without being refrigerated.
In addition to school lunches and snacking, cherries can also be added to many breakfast foods like pancakes, granola, yogurt, smoothies or these Cherry Overnight Oats. Give your family a jumpstart on the day with a healthy cherry breakfast featuring sweet cherries to deliver nutritional benefits, a natural sweetness and bright color that is sure to delight.
The benefits of this wholesome fruit can be accessed any time by drying, canning and freezing cherries at their peak ripeness to preserve their goodness for year-round enjoyment.
More recipes, from breakfasts and entrees to desserts and drinks, can be found at nwcherries.com/recipe.
CHERRY OVERNIGHT OATS
Recipe courtesy of Northwest Cherry Growers
2 cups rolled oats
4 tablespoons chia seeds
1 1/2 cups milk
2 teaspoons pure almond extract
4 tablespoons pure maple syrup
1/2 cup Northwest Cherries, roughly chopped, plus additional for serving (optional)
Greek yogurt (optional)
sliced almonds (optional)
In mixing bowl, stir oats and chia seeds to combine.
Add milk, almond extract and maple syrup. Stir to combine until uniformly mixed.
Using 1/4 cup measuring cup, divide oats mixture among four small jars, adding layer of cherries between scoops. Top with remaining cherries.
Seal jars and transfer to refrigerator overnight, or at least 6 hours, before serving.
Serve on their own or top with Greek yogurt, additional dried cherries and sliced almonds, if desired.
Photo courtesy of Shutterstock
HOLIDAY DESSERTS JUST GOT A Dairy-forward Upgrade
Holiday desserts set the stage for seasonal delight and add a touch of joy to gatherings. From festive cookies to indulgent dips, these delicious desserts bring people together to create memories that will last a lifetime.
If you’re looking to impress guests, Santa Cookies are the ultimate treat. Made with Maple Hill Salted Butter, they’re rich, soft and full of festive spirit. For a unique twist, try Gingerbread Dip, featuring vanilla Greek yogurt made with 100% grass-fed organic milk.
Whether you’re hosting or deciding what to bring to the potluck, Maple Hill’s 100% grass-fed organic dairy makes it easy to whip up desserts that are as wholesome as they are delicious. Rich in nutrients and free from GMOs, hormones and antibiotics, each product comes from farms that prioritize regenerative practices as nature intended. With a 40% healthier ratio of omega 3:6 and 40% higher levels of CLA fatty acids compared to traditional organic dairy, you can feel good about sweet treats at the holiday table.
SANTA COOKIES
1 cup (2 sticks) Maple Hill Salted Butter, at room temperature
1/2 cup brown sugar
1 tablespoon vanilla extract
1 large egg, at room temperature
2 1/4 cups all-purpose flour
1/4 teaspoon salt
1 teaspoon red food coloring
mini chocolate chips
mini red chocolate-coated candies
FROSTING:
1/2 cup (1 stick) Maple Hill Salted Butter, at room temperature
4 ounces cream cheese, at room temperature
1 teaspoon vanilla extract
2 1/2 cups powdered sugar
Preheat oven to 350 F and line two baking sheets with parchment paper.
In large mixing bowl, beat butter, sugar and vanilla until light and fluffy. Add egg and beat until combined. Add flour and salt; mix until dough begins to form ball.
Remove 1 cup dough and set aside. Add red food coloring to remaining dough.
From red cookie dough, make one 1-inch ball and five 1/2-inch balls. From plain cookie dough, make one 3/4-inch ball and five 1/4-inch balls.
On prepared baking sheet, place red 1-inch ball and gently flatten until 1/2-inch thick. Attach four red 1/2-inch balls for arms and legs. Attach plain 3/4-inch ball for head and gently flatten until 1/2-inch thick. Attach plain 1/4-inch balls for hands and feet. Shape remaining red 1/2-inch ball into triangle for hat and attach. Repeat with remaining dough, arranging cookies 2 inches apart on baking sheet. Add chocolate candies for eyes and buttons.
Bake 12-15 minutes, or until lightly golden.
To make frosting: In medium bowl, beat butter and cream cheese until light and fluffy, about 3 minutes. Add vanilla and powdered sugar; mix until combined.
TO DECORATE: Place half of frosting in piping bag with small tip to line Santa’s arms and legs. Place other half in second piping bag with small star tip to add Santa’s beard, hat and hands. Put small dot of icing between eyes and beard and place red mini chocolate-coated candy on face for nose.
GINGERBREAD DIP
Servings: 8-12
4 ounces cream cheese, at room temperature
1/4 cup brown sugar
1/4 cup powdered sugar
3 tablespoons molasses
1 container (16 ounces) Maple Hill Vanilla Greek Yogurt
1 teaspoon ground ginger
1 teaspoon ground cinnamon
1 teaspoon ground nutmeg
2 cups whipped cream
graham crackers fruit
In medium bowl using electric mixer on medium speed, beat cream cheese and sugars about 1 minute. Add molasses and mix until combined.
Add Greek yogurt, ginger, cinnamon and nutmeg; beat until combined. Fold in whipped cream and mix until fully incorporated. Refrigerate 1 hour before serving or overnight.
Serve with graham crackers and fruit.
To find more recipes visit MapleHill.com
NEW YEAR, NEW GOALS FOR PEOPLE & PETS ways dogs & dog owners can accomplish resolutions together
A new year brings fresh opportunities for a lifestyle reboot, and as you set health goals for 2025, remember that your pet can embark on the journey to healthier living right along beside you. Whether you’re aiming to eat better, exercise more or find peace of mind, one of the best strategies for success is the buddy system – and your pet might be the perfect partner.
Consider these three ways you and your pet can work toward healthy habits together this year.
EXERCISE
Many people find it challenging to stick to a gym routine and get the most out of that membership. However, there are countless ways to get exercise without relying on fancy gym equipment and working out at home means you can include your pet in the fun too. Even a simple walk or jog with your dog can be essential for vitality and well-being.
EMOTIONAL SERENITY
When you’re feeling ready for more adventure, head to a local park or hit the trails for an extra challenge. To keep things fun, try a game of fetch in the backyard or visit a dog park to add variety to your routines.
DIET
Eating real, recognizable and nutritious foods is essential for both humans and pets. An option like Nature’s Recipe delivers premium, natural nutrition with added vitamins, minerals and nutrients for pets at every life stage. With more than 40 years of expertise, its dog food recipes are inspired by nature and designed for dedicated pet parents who demand the best in nutrition.
“We’re committed to our promise that every ingredient counts,” said Dr. Preston Buff, principal scientist, nutrition and animal safety, Post Consumer Brands and Nature’s Recipe’s Pet nutritionist. “Pet parents can trust we use only the best to fuel their dog’s health and happiness. By focusing on premium ingredients that promote vitality, Nature’s Recipe empowers dog
Quality time with pets has been shown to lower cortisol levels in humans, helping to promote calm and wellness, according to the National Institutes of Health. Whether it’s a walk through the neighborhood, playing in the backyard, a gentle grooming session or simply offering the occasional belly rub, spending time with your pet can bring a sense of peace and well-being.
As you and your pet journey together toward a healthier lifestyle in 2025, remember the path to healthy living is even more rewarding when traveled with a buddy. Discover more ways to support your pet’s vitality, health and happiness in 2025 with purposeful, nutrientrich nutrition by visiting naturesrecipe.com.
TIPS FOR PARENTS TO MINIMIZE STRESS & maximize joy during the holidays
brought to you by Family Features
Stress and parenting go hand in hand, but during the holiday season, many parents find their stress levels rising to new heights. Between coordinating schedules, shopping, traveling and managing children’s expectations — plus the disruption to the school routine that everyone had finally settled into – the season can feel more like mayhem than merry.
However, by thoughtfully planning and implementing a few practical strategies, parents can protect their well-being and support their families. Early childhood experts from The Goddard School share guidance to help parents stay grounded and make the most of their meaningful family moments this holiday season.
CLARIFY PRIORITIES
One of the most empowering steps is to decide in advance what truly matters to your family. Consider:
• Which traditions or gatherings are nonnegotiable?
• Are there holiday events you can skip this year without regret?
• What obligations are you taking on out of habit rather than genuine desire?
By reducing the number of “must-do” activities, you can avoid overextending your family. It’s OK to decline invitations when your calendar is already full.
ESTABLISH A BUDGET
Holiday spending can weigh heavily on your mind. Create a family holiday budget that includes gifts and activities, then stick to it. Use the opportunity to teach your children about responsible spending and gratitude. Remember, the most meaningful gifts are often those made with time, attention or creativity, not the highest price tag.
SET BOUNDARIES
Stress often arises when family dynamics, expectations or traditions clash. You can reduce this by setting boundaries and communicating them early. Speak openly with the relatives and friends you’ll see about what’s comfortable for your family and what isn’t (e.g., physical space, travel, topics to avoid). Let your children know what to expect, as the lack of routine during this time can be particularly challenging. Modeling clear boundaries helps your children learn to express their own needs, too.
PRIORITIZE YOUR PHYSICAL AND EMOTIONAL HEALTH
Amid the hustle, your own basic care often slips, but your wellbeing is key to being present for others. Consider establishing routines, such as:
• Sleep: Aim for 7-8 hours per night whenever possible.
• Nutrition: Keep healthy staples in the mix, even if treats abound.
• Movement: A short walk, stretch breaks or gentle exercise may help reset your nervous system. Stepping outside can be especially helpful.
Also, if illness strikes, listen to your body and give yourself permission to pause. Pushing through tends to backfire.
DESIGN A STRESS RESCUE PLAN
Even the best-laid plans don’t prevent tension or unexpected emotional triggers. Anticipate stress by creating fallback strategies. For example, plan to use a playlist, a quick breathing exercise or a sensory object to help you regroup when your stress escalates. These strategies work for children as well.
If you’re worried about unwanted questions – such as a family member asking about politics or your plans to have another child – rehearse your response in advance with a friend. When these stressful moments arise, having a toolkit gives you a sense of control.
UNPLUG AND BE PRESENT
Screens are omnipresent. While they serve a purpose, they can be an unwelcome distraction, especially when you’re spending time with loved ones you don’t get to see often. Try to designate screen-free times, such as during meals, after dinner or when gifts are being exchanged. Use screens intentionally, such as video calling out-of-town family members, rather than passively scrolling. Focus on in-person connection by playing games, telling stories, making crafts or taking walks. Remember to lead by example, as your children are watching. Being fully present at key moments is the one gift your family will remember above all else.
As the holidays approach, the pressure to do it all can loom large. By clarifying priorities, setting boundaries and safeguarding your health, you can minimize stress and maximize joy. That said, even with careful planning, things can go off course, and that’s OK. Practice selfcompassion and allow for imperfections. Enjoy every laugh, surprise and even the occasional moment of calm.
For more parenting guidance and insights, including a blog and webinar series, visit the Parent Resource Center at GoddardSchool.com.
Photo courtesy of Shutterstock
LAST CHANCE TO SAVE Leverage tax credits for energyefficient home upgrades
brought to you by Family Features
Homeowners still have time to take advantage of a federal tax credit of up to 30% of the cost of eligible energy-efficient home improvements. The Energy Efficient Home Improvement Credit (also known as the 25C tax credit) can help offset the expense of updating or upgrading major home systems while also lowering energy consumption.
UNDERSTANDING THE 25C TAX CREDIT
Homeowners in the United States may be eligible when they install qualifying energy-efficient equipment in their primary residence such as all-climate electric heat pumps, insulation, windows and other improvements. The credit is subject to some limitations; for example, a homeowner can only claim up to $2,000 per year for a heat pump. The installation must be an addition or improvement to an existing home, not a new home, and can be used in combination with other tax credits or incentives such as local, utility and federal incentives and IRA programs.
The current version of this tax credit was implemented Jan. 1, 2023, and expires Dec. 31, 2025. In addition, rising energy costs and potential regulatory changes in 2026, such as updated guidelines on refrigerant, make late 2025 a strategic time to upgrade systems.
SMART WAYS TO USE THE TAX CREDIT
Generally, energy-saving upgrades are some of the most common home improvement projects because they enhance the home’s overall function while increasing the potential for cost savings on energy bills.
Some qualifying upgrades do double-duty by enhancing the home’s curb appeal while reducing energy requirements. Common examples include windows, skylights and exterior doors.
Insulation and air sealing materials such as caulk and weatherstripping are also common choices, especially in older homes where insulation may be below current standards and settling has created gaps for air leaks.
Another common selection for homeowners looking to take advantage of the 25C tax credit is climate control systems, and an increasing number are turning to all-climate, all-electric heat pumps. One major reason is their high performance when it comes to energy efficiency. According to the U.S. Department of Energy, today’s heat pumps can reduce electricity use for heating by 65% compared to electric resistance heating. In fact, Mitsubishi Electric all-climate, allelectric heat pumps have an efficiency rating at 260-490% compared to traditional systems at or below 100%.
In addition to their proven track record, contrary to a popular misconception that all-climate heat pumps are only for milder regions, the systems can operate quite effectively in both high heat and extreme cold. As a result, they provide homeowners with greater comfort and control of their indoor climate.
TAKE STEPS TO BEAT THE DEADLINE
If you’re a homeowner planning to make upgrades and claim 25C tax credits, now is the ideal time to get your project underway.
• Choose qualifying equipment. While some brands’ complete product lines meet the qualification criteria, others do not. Do your homework to ensure the model you’re installing is eligible for the credit. Your salesperson may be able to provide information, or you can visit the manufacturer website or contact the manufacturer directly for details.
• Work with a certified contractor. Many reputable brands, including Mitsubishi Electric, offer a contractor network with highly skilled, knowledgeWable and reputable installers.
• Save your receipts to file. When you prepare your 2025 tax forms, you’ll need to complete IRS Form 5695. Specifically, you will need to provide the manufacturer’s pin number and other details about your purchase, including proof of purchase.
Find more tips to get started on a tax credit home upgrade project at mitsubishicomfort.com/inflation-reduction-act.
Photo courtesy of Getty Images
