Posts Tagged ‘tracy homes for sale’

4th Of July Fun! Make A Patriotic Cake!

Monday, June 28th, 2010

How to Make Jello Cake

from wikiHow – The How to Manual That You Can Edit

4th of july cherry jello cake
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Side Note From Tony: After frosting, add blueberries to the top of the cake for a true patriotic touch!

This is a delicious and simple recipe to make. It’s also called “poke cake.” Read and find out why it’s called that!

Ingredients

  • White cake mix
  • One big box or two little boxes of flavored gelatin
  • Water
  • Creamy whipped topping of any flavor
  • Candy sprinkles (optional)

Steps

  1. Prepare an ordinary white cake mix according to box directions. Use a sheet cake (9 x 13) baking pan.
  2. Poke holes with a fork or a pair of chopsticks when the sheet cake gets cool. Holes should not go all the way through cake to the bottom of the pan. The entire cake should be perforated this way with holes every 1/2 – 3/4 inch (1-2 centimeters).
  3. Prepare a large box of flavored gelatin. Do not chill.
  4. Pour cooled gelatin liquid evenly over entire cake. Holes in the cake allow gelatin to seep into the cake.
  5. Place the cake in the refrigerator until gelatin firms, about 3-4 hours.
  6. Spread a whipped topping over top of cake, decorate with colorful candy sprinkles (optional) and serve!

Tips

  • You can make the layers with different colors or flavors. Use 1 small box of gelatin for each layer. You could also alternate stripes or patterns on a 9 x 13-inch cake with different flavors. You could coordinate for holidays such as red and blue gelatin for the 4th of July.
  • If you want to get really creative, use different flavors of cake mix too.
  • Whipping together some cool whip with some regular white frosting makes a good frosting for jello cake.
  • Some people prefer the taste of angel food cake, experiment with other flavors to find what you like

Warnings

  • Children can help mix the cake mix and poke holes in the cooled cake, but help them out with the oven and pouring boiling water!
  • Do not use regular frosting, it won’t stick to the gelatin like it does to cake!
  • Jello is not a vegetarian dessert. Gelatin is a protein produced by partial hydrolysis of collagen extracted from the bones, connective tissues, organs, and some intestines of animals such as cattle, horses, and alligators.

Things You’ll Need

  • White cake mix
  • Sheet cake pan
  • Oven
  • Gelatin
  • Hot water
  • Fork or chopstick
  • Refrigerator
  • Creamy whipped Topping
  • Candy sprinkles

Article provided by wikiHow, a wiki how-to manual. Please edit this article and find author credits at the original wikiHow article on How to Make Jello Cake. All content on wikiHow can be shared under a Creative Commons license.

Understanding Loan Programs – Fixed Rate vs Adjustable

Monday, November 16th, 2009

With a fixed-rate loan, the amount of your monthly payment of principal and interest remains the same for the life of your loan.

Your property taxes may go up, and so might your homeowner’s insurance premium part of your monthly payment, but generally speaking, with a fixed-rate loan your payment will be stable.

Fixed-rate loans are available in all sorts of shapes and sizes: 30-year, 20-year, 15-year, even 10-year. Some fixed-rate mortgages are called “biweekly” mortgages and shorten the life of your loan. You pay every two weeks, a total of 26 payments a year — which adds up to an “extra” monthly payment every year.

During the early amortization period of a fixed-rate loan, a large percentage of your monthly payment goes toward interest, and a much smaller part toward principal. That gradually reverses itself as the loan ages.

You might choose a fixed-rate loan if you want to lock in a low rate. If you have an Adjustable Rate Mortgage (ARM) now, refinancing with a fixed-rate loan can give you more monthly payment stability.

Adjustable Rate Mortgages come in even more varieties. Generally, ARMs determine what you must pay based on an outside index, perhaps the 6-month Certificate of Deposit (CD) rate, the one-year Treasury Security rate, the Federal Home Loan Bank’s 11th District Cost of Funds Index (COFI), or others. They may adjust every six months or once a year.

Most programs have a “cap” that protects you from your monthly payment going up too much at once. There may be a cap on how much your interest rate can go up in one period — say, no more than two percent per year, even if the underlying index goes up by more than two percent. You may have a “payment cap,” that instead of capping the interest rate directly caps the amount your monthly payment can go up in one period. In addition, almost all ARM programs have a “lifetime cap” — your interest rate can never exceed that cap amount, no matter what.

ARMs often have their lowest, most attractive rates at the beginning of the loan, and can guarantee that rate for anywhere from a month to ten years. You may hear people talking about or read about what are called “3/1 ARMs” or “5/1 ARMs” or the like. That means that the introductory rate is set for three or five years, and then adjusts according to an index every year thereafter for the life of the loan. Loans like this are often best for people who anticipate moving — and therefore selling the house to be mortgaged — within three or five years, depending on how long the lower rate will be in effect.

You might choose an ARM to take advantage of a lower introductory rate and count on either moving, refinancing again or simply absorbing the higher rate after the introductory rate goes up. With ARMs, you do risk your rate going up, but you also take advantage when rates go down by pocketing more money each month that would otherwise have gone toward your mortgage payment.

understanding loan programs