Home for the Holidays

It’s the most wonderful time of the year; it’s the holidays! As Buddy the Elf would say: SANTA!

Very rarely do families get the opportunity to all be together at one time & not have to worry about rushing off to school or work. Take advantage while you can. Excite your senses by eating some delicious home cooking, having a friendly family competition & taking in those traditional must see Christmas movies.

We’ve compiled a list of the Top 5, must see Christmas movies that are tried & true classics. You can pick one or binge-watch them all; whatever suits your movie watching style.

Elf

elf

Rudolph

Home Alone

A Christmas Story

How The Grinch Stole Christmas

 

Now that you’ve had your family bonding time it’s time to get to the friendly, family competition. Emphasis on the friendly part, but if you’re family is anything like mine, this could be a true test.  In the manner of lists & suggestions, I’ve found the favorite 5 family games.

Cards Against Humanity

Hedbandz

Catch-phrase

Catchphrase_2013

Apples To Apples

Charades

As you’re playing & most likely laughing off a ton of calories keep yourself fueled up with these delicious recipes:

Breakfast Casserole

Cheesy Bread

Reindeer Chow

Reindeer-Chow

Cinnamon Sugar Pecans

Recipes are listed below in order they appeared.

 

Recipes:

http://www.kevinandamanda.com/recipes/dinner/breakfast-casserole.html#_a5y_p=1384247

http://www.freebiefindingmom.com/christmas-tree-bread-recipe/

http://thissillygirlslife.com/2013/11/reindeer-chow-muddy-buddies/

http://fireflytales.net/blog/11/2012/cinnamon-sugar-pecans-recipe/

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Unplug from the World

Ah, 1998 when the world revolved around human interaction.

A world where WiFi & the iPhone didn’t exist. A time when you’d go to lunch with someone & you wouldn’t fall victim to watching them text 85% of the time.

The holiday season needs to be about family & spending time with those closest to you. In the tradition of that quality time I wanted to come up with something that you could create together that would bring you down to earth.

christmascocktail

PicMonkey Collage

I twiddled my thumbs a little (withdrawal from texting) & thought about what would motivate me to plug into family time.

Cocktails are a place to start. Dashing left & prancing right… I came across a few Holiday Hoorahs that I look forward to sharing with my family. I lucked into a recipe that enticed my senses by combining my three favorite things: candy canes, chocolate & cocktails. Behold the White Chocolate Peppermint Bark Martini (See recipe at bottom of page)

While you are all gathered around sipping on your sweet treats you can get a jump on your decorating by crafting Winter Luminaries.

For each luminary, all you’ll need is: a mason jar, 2 mini pine cones, lace, twine, hot glue gun, snow texture spray, Epsom salt & a tea candle.

Easy right? ( The full dets. are in the link below)

White Chocolate Peppermint Bark Martini

2 oz. white chocolate liqueur
1/2 oz. vanilla vodka
1/2 oz. peppermint schnapps
Splash of milk or cream, to taste

White chocolate, melted, for rimming the glass
Crushed peppermint candies, for rimming the glass
Whipped cream, for serving

Method:
1.   Melt the white chocolate in a shallow dish, and dip the rim of the glass into it. Shake off any excess, then dip into the crushed peppermint candies. Place glass in the freezer for 5-10 minutes to set.
2.   Shake liqueurs with ice, then pour into chilled glass. Add milk or cream, to taste.
3.   Top with fresh whipped cream and more crushed peppermint candies, for garnish.

http://relish.com/articles/15-creative-garnishes-for-your-holiday-cocktails/

Winter Luminaries:

http://craftsbyamanda.com/snowy-pinecone-candle-jars/

Once your family has gotten it’s fill up qt time make sure to give us a call to see what we can do to help you & your family stay stress free this season.

At Global Equity Finance we want to make your home as happy as we can for the holidays.

(800)245-EASY (3279) or stop by our website at www.geqfinance.com 

Smarter Loans, Happier Homes

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It’s Time to Make Your Moves

ratesfed.

 

I don’t know about you, but money is the last thing I want to think about when I’m doing my holiday shopping. This year I can’t tell myself “It’s ok, I’ll deal with my finances after the New Year.”…

The Federal Reserve is holding it’s follow up meeting on December 15th & 16th to decide if they want to raise the short-term interest rates.

If you’re like me you might be thinking “Oh I don’t own a home this doesn’t affect me.”  However, (dramatic pause for effect) we are COMPLETELY wrong.

If the Fed decides to raise the interest rates, it becomes more expensive for banks to borrow money which in turn gets passed onto the us…

Not only does this raise affect home mortgages, but it will also affect your credit cards or any other commercial product’s interest rates.

Most people tend to rack up pretty high credit card bills during the holiday season to buy their loved ones gifts, I am no different. With this rate raise coming though, I started to panic & wondered what I could do to prepare my finances for this hit.

The obvious would be to pay off all or most of my credit card debt & put away the cards. For me that means no more Starbucks binges… EEK!

If you can’t manage to pay off all of that debt you can look into getting another card that has a lower APR & a zero-percent transfer policy. What that means is that any card balance you have that has a high interest rate you can transfer to a card with a lower rate to pay it off easier without having to pay all that pesky interest.

Another easy step could be allowing our team here at Global to take a look at your mortgage and see where we can save you some extra money by refinancing. If you’re on an adjustable-rate mortgage now is the time to lock in a long term fixed rate while rates are still at record lows. Even if you are on a fixed rate mortgage & you’re happy with your rate, we can get some cash out of your home to pay off that debt or to shower your loved ones (or yourself) with gifts this season.  

If you’re like me and you don’t own a home yet, now could be the right time to take that step. Home prices are only expected to keep rising right along with the interest rates of the loan needed to buy that home you’ve had your eye on.

Here in Sunny San Diego we have the sunshine tax & unfortunately it gets added onto everything, especially rent… Why throw away your hard earned money on renting a temporary place when you can put that same payment towards building a home & future for yourself?

If you hold stocks or bonds, it’s time to reevaluate those assets. Once the rates start climbing the value of those bonds will take a steady decline in value & if you’re not planning onto holding onto these for the long haul, it’s time to cash in.

 

Let us help you figure out your options & how we can save you your hard earned money.

Give us a call at (800)245-3279 or visit our website at www.geqfinance.com

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