YNERGY TIMES FEB | 2017

L O C A L EVENTSDowntown San Diego’s Donut Bar Now Does Beer Pairings

Downtown’s gourmet doughnut shop Donut Bar has just debuted a brand expansion, including a new beer bar and evening service on weekends, Ian Anderson reports. The shop—usually only open from 7 or 8 a.m. to when it sells out before noon— is now open on Friday and Saturdays at 5 p.m. with fresh donuts and 20+ local

beers to choose from. Yes, donut and beer pairings await you. There are some 20 beers to choose from, including a signature donut porter from Resident Brewing, as well as beer floats including this insanely decadent version made with Mission Brewery Hard Root Beer, soft serve ice ream and a doughnut on top. There is also mention of a

savory, calzone-like doughnut for the adventurous. The Donut Bar is located at 631 B Street. Donut and Beer tastings are held at 5 PM on Fridays and Saturdays. Enjoy!

CONTRIBUTOR: SARAH GOFORTH

Read more at www.sandiego.eater.com.

How to Get a Mortgage

CONTRIBUTOR: SCOTT BOAMAN

Taken from an article by Michael Burge

With all the people, paperwork and

time-intensive steps involved, getting

a mortgage can be a harrowing

proposition. But if you take the time

to understand the homebuying

process and come to it with a strong

sense of your own finances, you can

run the mortgage obstacle course

without a scratch.

Get ready to go from homebuyer

to homeowner. Here’s how to get a

mortage:

Get ready financially

Before you set off to get a mortgage,

make sure you’re financially prepared

for homeownership. Do you have a lot

of debt? Do you have plenty saved for

a down payment? What about closing

costs?

Get preapproved

When you’re at the starting line, get

preapproved for a mortgage, even

before you begin looking at homes.

Getting preapproved gives you a leg

up once you begin looking, because

it shows sellers that you can make a

solid offer up to a specific price.

Choose the right mortgage

Do you want a conventional or

government-backed loan? Do you

want a fixed- or adjustable-rate

mortgage? What about the mortgage

term? Remember, Don’t borrow more

than you can handle.

Submit the application

If you’re using the same lender that

preapproved you, you’ll have to

submit your most recent financial

information. Within three days of

receiving your application, your

lender will give you a loan estimate,

which is how much the loan will cost,

including all the fees and closing

costs. Keep an eye on interest rates. If

they start going up, lock in quickly. If

they go down, consider waiting.

The underwriting process

This part can be the most

nerve-wracking, even if you’ve been

preapproved. It’s more waiting, this

time to get officially approved for

the loan. During the underwriting

process, you’ll want to avoid making

changes such as switching jobs or

taking out another line of credit.

Avoid large purchases that increase

your debt.

After You’re Approved

Finally, your loan is approved. But

you’ve got a few more steps to take

before the process is complete.

1. Do you want to pay an upfront fee

— known as points — to lower your

interest rate? This is a good option if

you plan on staying in your home for

at least seven years.

2. Purchase homeowners insurance.

Your lender will require you to do this.

3. You’ll purchase a lender’s title

insurance policy. And while it’s not

required, it’s wise to also purchase

owner’s title insurance.

4. Do a final walkthrough of the home

to make sure nothing has changed —

or to make sure the repairs have been

made — since the home inspection.

5. You’ll receive a closing disclosure

three days before the scheduled

closing date, which lists all the closing

costs.

6. Get a cashier’s check from your

bank to cover closing costs.

Read more at www.nerdwallet.com.

Recipe of the Month:Orange-SesameSalmon with Quinoa & Broccolini

CONTRIBUTOR: JONATHAN “JJ” JEROTZ

1 cup quinoa

1/2 cup orange juice plus 1/2 divided

2 scallions, sliced

1 bunch broccolini, trimmed

1 tablespoon extra-virgin olive oil

1/2 teaspoon ground pepper, divided

1/4 teaspoon garlic powder

4 4-ounce portions wild salmon

3 teaspoons toasted sesame oil

1 teaspoon black sesame seeds

1 tablespoon minced fresh ginger

1 tablespoon reduced-sodium tamari

1 teaspoon cornstarch

INGREDIENTS:

PREPARATION:

Prepare quinoa according to package directions, substituting 1/2 cup orange juice for ½ cup water. Remove from heat and stir in scallions. Cover to keep warm.

Preheat oven to 450°F. Line a rimmed

baking sheet with foil.

Toss broccolini with oil and 1/4 teaspoon

each salt and pepper in a large bowl.

Transfer to the prepared baking sheet.

Roast for 8 minutes.

Meanwhile, combine 2 teaspoons

sesame oil, garlic powder and the

remaining ¼ teaspoon each salt and

pepper in a small bowl. Brush the mixture

on salmon.

Push the broccolini to one side of the pan

and place the salmon on the other side.

Bake until the salmon is just cooked through,

5 to 8 minutes. Sprinkle the salmon with

sesame seeds.

Whisk the remaining 1/3 cup orange juice,

1 teaspoon sesame oil, ginger, tamari and

cornstarch in a small microwave-safe bowl.

Microwave on High for 1 minute. Divide the

quinoa, broccolini and salmon among 4

plates. Drizzle with 2 tablespoons sauce each.

25

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Drink ofthe Month:Midnight Snowstorm

CONTRIBUTOR: STEVE EMMINGER

The Midnight Snowstorm adds a little mint to your adult hot chocolate routine.

The Midnight Snowstorm is very similar to a Hot Peppermint Patty, using crème de menthe in place of the harsher peppermint schnapps. This substitution leaves the minty chocolate flavor but does so in a very smooth and creamy way. Use white crème de menthe inside the drink and add green crème de menthe on top of the whipped cream for a little color.

INGREDIENTS:

2 ounces white crème de menthe

Hot chocolate

1/2 ounce green crème de menthe

Whipped cream

O T H E R

DRINK RECIPESTO TRY OUT

Hot Peppermint PattyIrish CoffeeHot Buttered Rum

FITNESS

6 Minute Total Plank WorkoutCONTRIBUTOR: JEFF BLACKWELL

Ever have those days when life just seems too busy? When the last thing you have time for is to do any exercise? Well, no more excuses!! This is the exact reason I designed this quick, 6-minute total-body plank routine.

Read more at www.tone-and-tighten.com.

30 S E C O N D S

STRAIGHT PLANK

30 S E C O N D S

SIDE PLANK ON RIGHT

30 S E C O N D S

SIDE PLANK ON LEFT

15 S E C O N D S

STRAIGHT PLANK

30 S E C O N D S

OFPUSHUPS

3 R E P E A T

T I M E S

3

TRAVEL

I recently took a trip to the island in Fiji called Tavarua with friends. A total of 26 of us went. Tavrua is mainly know for its world class surf breaks which attracts surfers from all over the world. However, even those that don’t surf should pay the island a visit. There are so many amazing activities to do including sport fishing, scuba diving, snorkeling and kayaking. The island is surrounded by coral reef so there is plently of sea life. In addition, it’s always fun to mingle with the other guests on the island, hang with

the local fijians and enjoy all the beautiful scenery from the beach. This was one of the most amazing places that I have ever been to. I would recommend this to anyone that wants to get away, relax and just be in paradise. You can walk around the island in fifteen minutes and if you are feeling adventeruous, you can swim around the island in about thirty.

T R A V E L

TIPIf you do travel to Fiji, one of my

hightlights was visiting a local village, hanging with the locals

and playing with the Fijian kids.

This is a great experience and

you will walk away appreciating

how lucky we really are and get to

experience the rich, Fijian culture.

Exploring the Island of TavruaCONTRIBUTOR: KENNY SIMPSON

PICTURED: The island of Tavrua in Fiji

DOGS

Healthy Pumpkin and Peanut Butter Dog TreatsCONTRIBUTOR: ERICA ENGLISH

Preheat oven to 350 F.

Line cookie sheet with parchment paper.

Combine ingredients ina bowl and mix

until it’s clumpy and not sticky.

Lay down a sheet of parchment on your

work surface and place the dough on

the parchment sheet.

Place the cookies on the sheet and bake for

8-10 minutes.

Let the cookies cool completely.

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over the dough and use a rolling pin to

roll dough to 1/4 inch thick.

Once it is to your thickness liking, peel

off the top parchment paper and cut the

treats using desired cookie cutters.

Store in an air tight container or in the

freezer for up to 3 months.

1 cup Pumpkin Puree

1/2 cup All Natural Peanut Butter

Cookie Cutters

1 3/4 cup Whole Wheat Flour

Parchment Paper

INGREDIENTS:

DOGS

FASHIONHow You Can Include the Pantone Color of the Year in Your 2017 WardrobeCONTRIBUTORS: ERICA ENGLISH & AMANDA NORRIS

For those of you who don’t know, Pantone, a color based system used in a variety of industries, including printing and the manufacturing of paint, fabric, and plastics, releases a color every year that determines everything we see in fashion, interior design and graphic design for the 12 months to follow. This year, the color released was “greenery”, which Pantone describes as a “life-affirming shade” that is

“emblematic of the pursuit of personal passions and vitality. “While the color green can often be overwhelming when worn with bright hues, it serves as a lovely accent when paired with neutrals. For instance, wearing a green tie with a tweed coat and an off white button up looks both polished and sophisticated. For women, often times green scarves, shoes and pants can work well as an accent color paired with

neutrals or light grays. Whatever you choose to do with your style, remember that often times, less is more. One great item or accesory can accent an outfit and make it into an instant classic.

W W W . S 1 L E N D I N G . C O MSynergy One Lending Inc. NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Department of Financial Institutions - Arizona Mortgage Banker License 0926603; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; Licensed by the Connecticut Consumer Credit Division - Mortgage Lender License ML-1025894; Regulated by the Colorado Division of Real Estate, Colorado Mortgage Company Registration 1025894; Delaware Licensed Lender #020926; District of Columbia Mortgage Dual Authority License MLB1025894; Florida Mortgage Lender License MLD1079; Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #46648; Hawaii Mortgage Loan Originator Company License #HI-1025894. Idaho Mortgage Broker/Lender License MBL-8537; Illinois Residential Mortgage Licensee #MB.6761115; Licensed by Indiana Department of Financial Institutions - First Lien Mortgage Lending License 27156; Iowa Division of Banking - Mortgage Banker License 2015-0038; Kansas Licensed Mortgage Company License #MC.0025258; Kentucky Mortgage Company License #MC327694; Louisiana Residential Mortgage Lending License #1025894; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Michigan 1st Mortgage Broker/Lender License FL0019960; Minnesota Residential Mortgage Originator License #MN-MO-1025894; Licensed by the Mississippi Department of Banking and Consumer Finance. Mississippi Mortgage Lender License #1025894;Montana Mortgage Lender License 1025894; Montana Mortgage Broker License 1025894; Nebraska Mortgage Banker License 1025894; Nevada Mortgage Broker License 4317. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; Licensed by the North Carolina Commission of Banks office – North Carolina Mortgage Lender License L-164411; Ohio Mortgage Broker Act Mortgage Banker Exemption MBMB.850248.000; Oklahoma Mortgage Lender license #ML010730; Oregon Mortgage Lending License ML- 5208; Pennsylvania Department of Banking and Securities License 49997; Rhode Island Lender License 20163229LL; Rhode Island Loan Broker License 20163230LB; South Carolina- Board of Financial Institutions Mortgage Lender / Servicer License MLS-1025894; Tennessee Mortgage License #125659; Texas Mortgage Banker Registration 1025894; Utah DRE Mortgage Entity License 8954729; Vermont Lender License 6891. Virginia Mortgage Broker and Lender Licensee, NMLS ID 1025894; Washington Consumer Loan Company License CL-1025894; Wisconsin Mortgage Lender License #1025894BA; Wyoming Mortgage Lender/Broker License 2677. (877) 978-1922.