Wishing you the real old fashion pleasures of a lovely Thanksgiving Day !

Double Layer Pumpkin Cheesecake

"A great alternative to pumpkin pie, especially for those cheesecake fans out there."

RECIPE RATING:

The reviewer gave this recipe 788 stars. This recipe average a 4.8 star rating.

PREP TIME	30 Min
COOK TIME	40 Min
READY IN	4 Hrs 10 Min

SERVINGS

(Help)

Servings

METRIC

INGREDIENTS (Nutrition)

2 (8 ounce) packages cream cheese, softened
1/2 cup white sugar
1/2 teaspoon vanilla extract
2 eggs
1 (9 inch) prepared graham cracker crust
1/2 cup pumpkin puree
1/2 teaspoon ground cinnamon
1 pinch ground cloves
1 pinch ground nutmeg
1/2 cup frozen whipped topping, thawed

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DIRECTIONS

Preheat oven to 325 degrees F (165 degrees C).
In a large bowl, combine cream cheese, sugar and vanilla. Beat until smooth. Blend in eggs one at a time. Remove 1 cup of batter and spread into bottom of crust; set aside.
Add pumpkin, cinnamon, cloves and nutmeg to the remaining batter and stir gently until well blended. Carefully spread over the batter in the crust.
Bake in preheated oven for 35 to 40 minutes, or until center is almost set. Allow to cool, then refrigerate for 3 hours or overnight. Cover with whipped topping before serving.

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Posted by Brenda King on November 25th, 2008 4:52 PMPost a Comment (0)

Extra Cash

November 19th, 2008 12:16 PM

Retirement budgets

Many people built their retirement budgets based on income and economic conditions prior to today’s challenging environment. The easiest and most cost-effective way to find additional dollars is often by updating an outdated budget. You need to view how your budget performs and how other income sources such as stock dividends could impact retirement savings.

Reverse mortgage

Many citizens have spent a lifetime building up equity in their homes. Through a reverse mortgage, those 62 years or older can now extract that equity. A reverse mortgage requires only that an individual own the home as a primary residence and maintain the property. No credit evaluation is required. As a non-recourse loan, borrowers will never owe more than the current market value of their home, helping to protect their heirs from debt.

Life settlement

Most life insurance policies are originally purchased to protect families and loved ones, but nearly 85 percent of these policies never pay a benefit. Life settlement allows a policyholder to sell their policy in exchange for a lump sum cash payment that is greater than the policy’s cash surrender value. Life settlement offers a way to generate cash independently.

Social Security

If you are collecting Social Security benefits but still in need of extra cash, is to cancel current benefits and then re-apply for greater benefits at a higher age. Since benefits are calculated based on age, someone who restarts benefits later in life could earn much more in monthly income. However, recipients must first pay back benefits received in order to be eligible.

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Posted by Brenda King on November 19th, 2008 12:16 PMPost a Comment (0)

Economy Strength

November 7th, 2008 4:58 PM

Let's think positve that the stock market will regain strength and your investments will grow over time. Getting caught up in short-term fluctuations will only cause distress.

A 401(k) account is the best for saving and growing money for retirement—offering far more benefits than an IRA.

Not only are annual deposit limits higher in a 401(k), but if you're 50 years old or older, you can put extra money into your account annually.

A 401(k) has flexibility to borrow money from the account without taking a tax hit.A IRA don’t allow you to borrow, only withdraw. And when you take money out, you’ll have to pay taxes and penalties.

If you already have an IRA and need some extra cash right now roll over your IRA to a 401(k)

However, borrowed money does have to be paid back within five years or you face a penalty. But at a reasonable interest rate (about 6 percent currently),.

Socking money away in a tax-exempt "529" college savings plan, You can borrow money against that account, the majority of it tax free, by temporarily making yourself the designated recipient.

If you must take money from the account, you should pay it back and redesignate your

child as the recipient.

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Posted by Brenda King on November 7th, 2008 4:58 PMPost a Comment (0)