Financial Resolutions for the New Year

Financial Resolutions for the New Year

Financial Resolutions for the New Year

Family Finances | Holiday

gold-balloons-spelling-out-2025

Are you the kind of person who makes resolutions for the new year? Here are five resolutions we encourage you to consider to boost your financial wellness in 2025.

Resolution 1: Create a budget

One of the best ways to achieve financial stability and peace of mind is by creating a budget. Whether you’ve never had one before or want to improve your current financial habits, budgeting can help you take control of your money and achieve your goals.

  • Set clear financial goals: Before diving into numbers, think about what you want to achieve in the new year. Financial goals provide direction for your budget. Some common examples include: Paying off credit card debt, saving for an emergency fund, building a retirement fund, saving for a vacation or big purchase. Write down your goals and prioritize them. This will help you stay motivated and focused.
  • Track your income: The first step in creating a budget is understanding your income. List all the sources of income you receive each month, including: salary, side gigs or freelance work, and passive income (rent, investments, etc.). Be sure to account for any irregular income, like bonuses or seasonal work. Calculate your total monthly income, which will serve as the foundation for your budget.
  • List your expenses: It's helpful to break them down into fixed and variable categories.
  • Categorize and prioritize: Once you have a clear picture of your expenses, you can start categorizing them. Essential expenses like housing, utilities, and groceries should be prioritized, while non-essential costs (such as entertainment or dining out) should be trimmed down if necessary.

Tip: If your income exceeds your expenses, you have more flexibility to allocate funds to savings, investments, or debt repayment. If your expenses are higher than your income, it’s time to adjust.

The key to a successful budget is consistency. Use budgeting tools like apps (e.g., Mint, YNAB, or PocketGuard) or a simple spreadsheet to track your spending. Compare your actual expenses to your planned budget each month and adjust as necessary.

If you find you’re overspending in certain categories, identify areas to cut back. Alternatively, if you’re saving more than expected, consider allocating those extra funds to your financial goals.

Resolution 2: Manage your Debt

Debt is neither inherently good nor bad – it all depends on how you use it. For most people, some level of debt is a necessity, especially to purchase long-term assets, such as a home. However, when unmanaged, debt becomes a burden. It’s important to stay in control.

  • Keep your total debt load manageable: Don’t confuse what you can borrow with what you should borrow.
  • Consider the "debt snowball" or "debt avalanche" methods:
    • Debt snowball: Pay off the smallest debt first to gain momentum.
    • Debt avalanche: Pay off the debt with the highest interest rate first to minimize overall costs.

Resolution 3: Prepare for the unexpected

Life is full of unexpected expenses, from medical bills to car repairs. Having an emergency fund gives you a safety net to cover these costs without derailing your budget. Aim to save 3-6 months’ worth of living expenses. Start small by setting aside a portion of your income each month until you reach your goal.

Resolution 4: Protect your estate

An estate plan may seem like something only for the wealthy. But there are simple steps everyone should take.

  • Create or Update Your Will: A will is the foundation of any estate plan. It clearly outlines how your assets should be distributed after your death. If you already have one, make sure it’s up-to-date with your current wishes and life circumstances, such as new children, grandchildren, or significant changes in assets. If you don’t have a will, now’s the time to write one.
  • Consider a Trust: While a will is important, a trust can provide additional protection for your estate. Trusts allow you to control how and when your assets are distributed. For instance, a revocable living trust helps you avoid probate (the lengthy and often costly legal process that can delay asset distribution), keeping your estate private and potentially saving your heirs time and money.
  • Designate Power of Attorney: A financial and healthcare power of attorney gives someone you trust the authority to make decisions on your behalf if you become incapacitated. This ensures your financial matters and medical decisions are handled according to your wishes, even if you're unable to communicate.
  • Establish a Healthcare Directive: A healthcare directive (also known as a living will) specifies the type of medical treatment you want to receive should you become seriously ill or injured. This document relieves your family members from the burden of making tough medical decisions in times of crisis.
  • Review Your Beneficiaries: Beneficiary designations on life insurance policies, retirement accounts, and other financial assets often override what’s written in a will. This means it’s essential to review and update your beneficiary designations to ensure they reflect your current wishes. If you’ve had a life change (such as marriage, divorce, or the birth of a child), make sure to update these designations promptly.
  • Protect Your Digital Assets: In today’s digital age, your online presence and digital assets need protection, too. This includes everything from social media accounts to cryptocurrency holdings, and online banking services. Make a list of all your digital assets and include instructions for accessing and managing them in case something happens to you.
  • Ensure Adequate Insurance Coverage: Insurance plays a significant role in estate protection. Review your insurance policies—homeowners, life, health, auto, and even long-term care insurance—to ensure your coverage is adequate for your needs. An unexpected event can cause a huge financial burden on your loved ones if they aren’t properly insured.

Estate planning can be complex, and the laws surrounding it vary by location. It’s a good idea to work with an estate planner, financial advisor, or attorney to ensure that your estate plan is comprehensive, legally sound, and tailored to your specific situation.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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2024 Rewind: Hand-picked songs from JVB Employees

2024 Rewind: Hand-picked songs from JVB Employees

2024 Rewind: Hand-picked songs from JVB Employees

Holiday

2024-rewind-on-retro-background

As we wrap up an incredible year, we’re excited to share something special with you—a 2024 Rewind playlist curated by our very own JVB employees. From chart-topping hits to hidden gems, this playlist reflects the diverse musical tastes, memories, and moments that have shaped our year. Each track holds a personal connection, whether it’s a song that sparked inspiration, set the mood, or simply became a favorite. Join us as we take a journey through 2024, one song at a time.

“Chemtrails Over the Country Club” – Lana Del Rey

“I Can Do it With a Broken Heart” – Taylor Swift

“I Had Some Help” – Post Malone

“You Look Like You Love Me” - Ella Langley and Riley Green

“Sun to Me” – Zach Bryan

“Timeless” – The Weekend and Playboi Cari (E)

“That’s Who I Praise” – Brandon Lake

“A Tear in Space” – Glass Animals

“A Bar Song” – Shaboozey

“Illicit Affairs” – Taylor Swift

“Nine Ball “– Zach Bryan

“Beautiful Things” – Benson Boone

“Guilty as Sin?” – Taylor Swift

“APT” – ROSÉ & Bruno Mars

“Emergency Contact” – Pierce the Veil (E)

“Whiskey Whiskey” – Moneybagg Yo and Morgan Wallen

“Goodness of God” – Bethel Music and Jenn Johnson

“Satisfied” – Hamilton Musical

“Hater” – Spencer Sutherland (E)

“Wrong Ones” – Post Malone ft. Tim McGraw

"Good Day" - Forrest Frank

"I Am Not Okay" - Jelly Roll

"Not Like Us" -  Kendrick Lamar (E)

"Who's Afraid of Little Old Me?" - Taylor Swift

"A Drummer Boy Christmas Live" - For King and Country

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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Buy Now, Pay Later vs Credit Cards: Which is Right for You?

Buy Now, Pay Later vs Credit Cards: Which is Right for You?

Buy Now, Pay Later vs Credit Cards: Which is Right for You?

Fraud | idLock

buy-now-pay-later-vs-credit-card

There are more ways to pay for purchases than ever before. However, whether you’re shopping in-store or online, credit cards are still one of the most used payment methods regardless of the growing attraction of buy now, pay later (BNPL) plans. BNPL lets you split purchases into no interest payment plans but do not offer as many benefits as credit cards.

If you’re not sure whether you should use a credit card or BNPL, or a mix of the two, we’ve listed a few pros and cons of the two options.

 

Credit Cards

Buy Now, Pay Later

Pros:

  • Minimum monthly payments can be paid off over a long period of time, though it is not recommended carrying a balance.
  • Can be used for almost any type of purchase – stores, gas stations, grocery stores, and more.
  • Potential to earn rewards or points.
  • Potential to benefit from sign-up bonuses.
  • Opportunity to improve credit score, with responsible payments.

Cons:

  • Longer application process.
  • Applying for credit cards result in hard credit checks that can negatively impact credit scores.
  • If you do not pay off the card at the end of the monthly billing cycle, you may owe interest.
  • You may have annual fees, foreign transaction fees, and/or late payment fees.

Pros:

  • Fixed installment plans, typically with no interest.
  • Choose the payment frequency that works for you.
  • Instant approval and apply right at check out.
  • Hard credit checks are not always required.

Cons:

  • You cannot earn rewards or points.
  • Not accepted by every retailer.
  • May be charged late fees or interest for late payments.
  • Less likely to increase credit score.

Which is Better?

Deciding which option is best for you depends on your financial situation and long-term goals. BNPLs are usually accepted by online or in-store retailers whereas credit cards can be used almost anywhere, for any type of purchase.

If increasing a credit score or building credit history is your goal, credit cards are a better option for you. But if you have a low credit score or a short credit history, BNPL is a better option for you as it often uses less stringent criteria to approve you. However, it is not an all-or-nothing option, some people switch between one or the other depending on the purchase.

Choose BNPL if:

  • You want to make a large purchase and pay it off quickly.
  • You prefer fixed payments to manage budgeting.
  • You plan to make purchases from specific retailers that offer BNPL.

Choose Credit Cards if:

  • You want flexibility to shop anywhere.
  • You’re looking to build credit and take advantage of rewards.
  • You can manage repayments responsibly to avoid interest charges.

Bottom Line

Both BNPL and credit cards can be useful financial tools, but understanding their differences is crucial for making informed choices. Assess your spending habits, repayment capabilities, and financial goals to decide which option aligns best with your lifestyle. Whatever you choose, make sure to read the fine print and understand the terms before committing!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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How to Protect Your Holiday Cheer from Grinches in Disguise

How to Protect Your Holiday Cheer from Grinches in Disguise

How to Protect Your Holiday Cheer from Grinches in Disguise

Family Finances | Fraud

grinch-holding-present

As the holiday season approaches, the excitement of gift-giving, family gatherings, and festive celebrations fills the air. Unfortunately, this time of year also brings an increase in scams targeting unsuspecting victims. Scammers are especially active during the holidays, taking advantage of the hustle and bustle to trick people into giving away their money or personal information. Here’s how you can stay safe and protect yourself from holiday scams:

1. Be Cautious with Online Shopping

Online shopping is convenient, but it also opens the door for scammers. Here are some tips to ensure a safe shopping experience:

  • Shop from reputable websites: Stick to well-known retailers and avoid unfamiliar sites. Check for reviews and ratings before making a purchase.
  • Look for secure connections: Ensure the website's URL begins with "https://" and has a padlock icon in the address bar. This indicates that the website is using a secure connection.
  • Avoid shopping on public Wi-Fi: Whenever possible, avoid shopping on public “free” Wi-Fi networks. It makes it easier for hackers to intercept your online activities.
  • Beware of deals that seem too good to be true: If a deal seems too good to be true, it probably is. Be cautious of prices that are significantly lower than average.

2. Watch Out for Phishing Emails and Messages

Phishing scams are rampant during the holiday season, as scammers send fraudulent emails and messages that appear to be from trusted sources. To protect yourself:

  • Verify sender information: Always check the sender's email address for any discrepancies. Scammers often use addresses that closely resemble legitimate ones.
  • Don’t click on suspicious links: Hover over links to see where they lead before clicking. If you're unsure, visit the official website directly instead of using the link.
  • Look for urgent language: Scammers often create a sense of urgency to provoke immediate action. Take a moment to think before responding.

3. Be Wary of Charity Scams

During the holidays, many people feel generous and want to give back to those in need. Unfortunately, this generosity can be exploited by scammers posing as charities. Here’s how to ensure your donations go to legitimate causes:

  • Research the charity: Use resources like Charity Navigator or the Better Business Bureau’s Charity Resources to verify the legitimacy of a charity.
  • Avoid giving personal information: Legitimate charities will not ask for sensitive information like your Social Security number or bank details.
  • Donate directly through official websites: Instead of responding to emails or social media solicitations, go directly to the charity’s official site to make your donation.

4. Protect Your Personal Information

The holiday season is a prime time for identity theft. Keep your personal information secure by following these practices:

  • Limit sharing on social media: Be cautious about sharing personal details, especially related to your travel plans or new purchases. Scammers can use this information to target you.
  • Use strong, unique passwords: Create complex passwords for your online accounts and consider using a password manager to keep track of them.
  • Monitor your financial accounts: Regularly check your bank and credit card statements for any unauthorized transactions.

5. Stay Alert for Package Scams

With more packages being delivered during the holiday season, scammers may try to take advantage of this by:

  • Tracking scams: Be cautious of fake tracking emails that appear to come from shipping companies. Always verify the tracking number on the carrier’s official website.
  • Porch piracy: Consider using secure delivery options, like package lockers or requiring signatures upon delivery, to prevent theft.

Conclusion

As you dive into the holiday festivities, remember to stay vigilant against potential scams. By taking these precautions and being aware of common tactics used by scammers, you can enjoy a safe and joyful holiday season. Share these tips with family and friends to help them stay informed and protected as well. Happy holidays!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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Holiday Travel and TSA Precheck Scams

Holiday Travel and TSA Precheck Scams

Holiday Travel and TSA PreCheck Scams

Family Finances | FRAUD

Group of friends taking a selfie

Do you like waiting in airport security lines during the holidays? Most likely not. Scammers know this and send emails that look like they’re from TSA PreCheck, a service offered by TSA to speed things up. But it’s important to note, these emails are not from TSA. These emails want you to click a link that takes you to a scam website that looks like the official website. If you pay to “enroll” or “renew” your TSA PreCheck, you may not even know you’ve just paid a scammer until you arrive at the security line for your next flight.

How do you spot these scams?

First Time

If it is your first time applying for TSA PreCheck, you won’t pay any application fee online. You must complete the application and pay in person at a TSA enrollment center.

Reminder: Only a scammer will ask you to pay online.

Renewing TSA PreCheck

If you’ve already enrolled in TSA PreCheck, you can renew and pay in-person or online. The real TSA does send out renewal reminder emails, but it is smart to always go directly to tsa.gov/precheck rather than clicking on any links.

Avoid Scammers

To avoid scammers, here are a few tips:

  • Don’t click links in unexpected emails or text messages
  • Don’t be rushed to make a payment
  • Always start at tsa.gov/precheck

Reminder: All TSA PreCheck sites are .gov, not a .com or .org

More information about enrollment: How do I apply for TSA PreCheck?

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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JVB Employee Recipes for Celebrating the Season

JVB Employee Recipes for Celebrating the Season

JVB Employee Recipes for Celebrating the Season

HOLIDAY

baking-cookies-from-recipe

The holidays are full of traditions – decorations, family recipes, gatherings, and activities. We’ve put together a list of our employees’ favorite holiday recipes to offer up some inspiration this holiday season!

Beef Bourguignon

This French classic is a great dish to make on a cold winter day. Also works well with wild game.

Ingredients:

  • 2-3 slices of bacon
  • 2-3 lbs boneless beef roast
  • 1 bottle of dry red wine (burgundy, cabernet sauvignon, bordeaux, etc)
  • 2-3 cups of beef stock
  • 2 tablespoons beef tallow or butter or lard
  • 2 carrots
  • 1 small onion
  • 1 stock of celery
  • 1 teaspoon minced garlic
  • 1 lbs mushrooms (whole or sliced)
  • 2 bay leaves
  • Salt & Pepper to taste

Note: It is best to make this entire recipe in a cast iron Dutch oven or braising pot. If needed you can do the searing/sautéing in a pan then transfer to a roaster.

Directions:

  1. Preheat your oven to 300 degrees
  2. Chop bacon slices into pieces and begin frying on medium heat in your cast iron Dutch oven or braising pot until the fat is fully rendered and the bacon bits are crispy 5—7 minutes.
  3. While this is cooking cube your boneless beef roast into approximately 2” cubes, season generously with salt and pepper making sure to coat all sides.
  4. Remove bacon bits and set aside leaving the fat in the pan. Sear off your beef cubes in the bacon fat making sure to brown all sides 2-3 minutes per side remove from pan and set aside.
  5. Now add your mirepoix (chopped celery, onion and carrots), if there is not much bacon fat left after searing the meat you will add your tallow/lard/butter at this time. If you wish to remove the celery after the cook leave these pieces larger. Sauté the mirepoix 5-7 minutes until the onions and celery have softened. Remove from pan and deglaze the pan with red wine making sure to scrape the bottom of the pan to turn up any fond.
  6. Turn off heat. Add your cubed beef, bacon and mirepoix back into the pan with the mushroom’s, garlic, and bay leaves. Add 2-3 cups of beef stock so that the mixture is mostly covered by the liquid.
  7. Cover with a lid and place into the oven for 3 hours at 300 degrees.
  8. Once fully cooked the cubed beef will be very tender, if it is not, cook an additional 30 minutes and test it again. The meat should be mostly covered by liquid to ensure a braise and so the meat does not dry out.
  9. Once done remove all the solids from the pan and place the pot on the stovetop. Heat the liquid on medium high heat reducing the liquid by ½. This will likely take 15-20 minutes, stir frequently to avoid scorching.
  10. The reduced liquid will have thickened, return the solid contents back into the pot removing the bay leaves and celery if desired. Allow this to warm back up 5 minutes on low heat if needed. Season with salt and pepper as desired.
  11. Serve over mashed potatoes, rice or butter noodles or enjoy as a stew.

This recipe can be done in a crock pot by placing the seared/sautéed ingredients into the crockpot on low for 6-8 hours.

Sweet Potato Casserole

This easy Sweet Potato Casserole topped with pecans and marshmallows is a traditional side at our family Thanksgiving table. This comforting dish combines mashed sweet potatoes, brown sugar, and butter with a hint of cinnamon.

Ingredients:

  • 3 pounds sweet potatoes peeled and cut into cubes
  • ½ cup brown sugar packed
  • ⅓ cup butter softened
  • ½ teaspoon vanilla extract
  • ¾ cup chopped pecans divided
  • ¼ teaspoon cinnamon or to taste
  • salt and black pepper to taste
  • 2 cups miniature marshmallows

Directions:

  1. Preheat oven to 375°F. Grease a 9 x 13 pan.
  2. Place sweet potatoes in a pot of boiling water. Simmer for 15 minutes or until fork tender. Drain.
  3. In a large bowl (or in the pot the potatoes were cooked in), mash the sweet potatoes with brown sugar, butter, cinnamon, vanilla and salt & pepper.
  4. Fold in half of the pecans and spread into prepared pan.
  5. Sprinkle with the marshmallows and the remaining pecans.
  6. Bake for 25 minutes or until marshmallows are golden brown and potatoes are heated through.

Homemade Apple Pie

My favorite recipe is making homemade apple pies with grandma and dad.

Ingredients:

  • Red delicious and granny smith apples
  • Sugar
  • A splash of apple juice
  • Tapioca pearls
  • Pumpkin pie spic
  • Homemade pie crust

Directions:

  1. Peel and core the apples
  2. Slice the apples almost paper thin
  3. Soak in the apple juice with the sugar, pumpkin pie spice and tapioca pearls. Stir them around every once in a while, with your hands or rubber spatula, so they don't turn brown.
  4. Put the apples in the pie crust after they have sat for half an hour.
  5. Cover with a top crust if desired, poke a few holes in the top with a fork.
  6. Bake at 350 degrees until the crust is golden brown and the filling is bubbling.

Butter Pecan Caramel Bars

Ingredients:

  • 2 c. flour
  • 1 c. brown sugar
  • ½ c. butter, softened (1 stick)
  • 1-2 c. pecan halves

Caramel Ingredients:

  • 2/3 c. butter, softened
  • 1 c. chocolate chips
  • ½ c. brown sugar

Directions:

  1. In a food processor, pulse the flour, brown sugar, and butter until it looks like sand.
  2. Press firmly into the bottom of a 9x13x2 baking dish.
  3. Place 1-2 c. pecan halves in a single layer over crust.
  4. For the caramel layer, melt the butter and sugar in microwave (30 seconds or till completely melted). Pour over pecans.
  5. Bake at 350° for 18-22 minutes until caramel is bubbly and crust is golden brown. Sprinkle with chocolate chips as soon as it’s out of the oven. Wait till the chips melt a bit then drag a knife through the chips to swirl. Do not spread the chips.

Soft Pretzels

Ingredients:

  • 2 ¼ warm water (105-110 degrees)
  • 1 Tbsp yeast
  • ¼ C. brown sugar
  • 4 C. flour
  • 1 Tbsp baking soda
  • Pretzel Salt

Directions:

  1. Combine and let yeast proof: 1 ¼ warm water (105-110 degrees) 1 Tbsp yeast ¼ C. brown sugar
  2. Add: 4 C. flour in a stand mixer, mix all together and knead it for 3-4 minutes.
  3. Let it rise for 20 minutes, then roll and shape into pretzels.
  4. In a shallow dish big enough to fit a pretzel, mix: 1 C. warm water 1 Tbsp baking soda
  5. Dip unbaked pretzels in water mixture and place on a parchment lined baking sheet. Sprinkle with pretzel salt and let rise 10 minutes.
  6. Bake at 465° for 7-9 minutes, or until golden brown.

Apple Bars

Filling:

  • 6 c. apples, peeled and sliced
  • ½ c. brown sugar
  • 3 tsp. flour
  • 1 tsp. cinnamon
  • ¼ tsp. each ginger, nutmeg and cloves

Crust:

  • 4 c. flour
  • 1 ¼ c. Crisco
  • Pinch of salt
  • 1/2 c. of ice water

Glaze:

  • 6 Tbsp. melted butter
  • 2 c. 10X sugar
  • Milk, to make a thin glaze

Directions

  1. Combine flour, salt and Crisco until crumbs form. Add water and stir just till it’s all combined.
  2. This can be done in a stand mixer with paddle attachment, just don’t overwork the crust.
  3. Divide the crust in two. Roll out one crust to fit an 11x15 jelly roll pan. Fill with apple mixture.
  4. Dot with 4 Tbsp of butter and cover with remaining crust. Cut slits in crust and brush with sour cream. Bake at 350°for 45-60 minutes or till golden brown.
  5. After the bars have cooled 20-30 minutes, drizzle the glaze over top.

Note: I use a variety of apples, usually Jonagold, Granny Smith and Honeycrisp. About 9-10 apples will fill an 11x15 pan.

Spinach Salad w/ Hot Bacon Dressing

Ingredients:

  • 8 oz. baby spinach, washed, dried, stems removed
  • 1 small red onion
  • 3 eggs
  • 6 slices thick cut bacon
  • 3 Tbsp. red wine vinegar
  • 2 tsp. sugar
  • 1/2 tsp. Dijon mustard
  • 1 package white button mushrooms
  • Salt
  • Pepper

Directions:

  1. Boil your eggs: place the eggs in a pot and allow them to reach a hard boil
  2. Fry the bacon until crispy. Remove bacon and place on a paper towel to drain. Reserve 6 Tbsp. bacon grease. Add 2 Tbsp. to a saucepan over medium heat.
  3. Slice the red onion thinly, then add to the saucepan over medium heat. Cook until onion is caramelized. Remove to a plate and set aside. (Optional)
  4. Slice the mushrooms and add to the same saucepan. Cook until brown and caramelized, remove to plate. (Optional)
  5. Peel and slice the eggs, chop the bacon into bite size pieces.
  6. For the Hot Bacon Dressing: Add reserved 3 Tbsp. bacon grease, red wine vinegar, sugar and Dijon mustard to a saucepan over medium heat. Whisk everything together and heat thoroughly.
  7. To a large bowl add the spinach, onions, eggs and mushrooms. Top with the chopped bacon. Pour the hot bacon dressing over the top, toss and serve.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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