Keep the holiday guests occupied and their appetites at bay with this simple but delicious appetizer with the flavor of the season. Served with apples, pretzels, or cinnamon graham crackers (to name just a few of our favorite options), this dip is super easy to make and memorable to your taste buds!
8 oz frozen whipped topping, thawed
8 oz cream cheese, softened
5 oz package vanilla pudding mix
15 oz can solid pack pumpkin
tsp pumpkin pie spice
Mix wet ingredients in a bowl, then mix in dry ingredients. Stir well and refrigerate until cold. Serve with gingersnaps, cinnamon graham crackers, vanilla wafers or fruit slices. Serve in a hollowed out pumpkin for extra table appeal!
To determine America’s best cities to live in, 24/7 Wall St. reviewed data on the 550 areas measured by the U.S. Census Bureau with populations of 65,000 or more.
Based on a range of variables, including crime rates, employment growth, educational attainment, and housing affordability, 24/7 Wall St. identified America’s 50 best cities to live.
47. St. Charles, Missouri (Wall street Link)
> Median household income: $52,330
> Unemployment rate, 2013: 5.70%
> Median home value: $171,300
> Violent crime per 100,000 residents: 151.4
> Average commuter travel time: 20.0 minutes
St. Charles is northwest of St. Louis, across the Missouri River. The city includes the St. Charles Historic District, which lies along South Main Street and the city’s riverfront. According to the National Parks Service, St. Charles “served as the final embarkation point of the Lewis and Clark Expedition.”
St. Charles is a relatively safe city. The violent crime rate was just 151 incidents per 100,000 people, less than half the national rate of 387 incidents. The city also has a relatively affordable cost of living relative to other top-rated cities and, as of last year, an unemployment rate of 5.7%. By contrast, the U.S. unemployment rate was 7.4% last year. However, between 2011 and 2013, the city had effectively flat employment growth.
Read the full article at KSDK
Mortgage Market News for the week ending September 26, 2014
“With many home owners on better financial footing, home remodeling has become more popular,” says Paul Sullivan, NAHB’s Remodelers chair. “The completion of postponed work has helped remodelers in all regions regain confidence in the remodeling market.”
Remodeling jobs valued at $25,000 or more rebounded to 54 on the index, which is the same level at the end of 2013. Smaller remodeling jobs and maintenance and repair jobs were at reading s of 56 and 58, respectively, on the index. Remodelers reported more favorable conditions on calls for bids, amount of work committed for the next three months, backlog of jobs, and appointments for proposals.
“The recent improvement in the job market has helped restore remodelers’ confidence after a dip in the first quarter that was probably in part weather-related,” says David Crowe, NAHB’s chief economist. “As home owners feel more secure about their economic situation, they become more willing to undertake remodeling projects – especially larger, discretionary projects. In addition, fewer new home builders are looking to remodeling as a way supplement their revenue, and this has somewhat reduced competition for remodeling projects.”
A recent realtor.com® survey of more than 1,500 home owners showed that 67 percent of consumers say they’re planning a home renovation within the next six months, and they’re planning to spend more money on their renovations than last year. The most common budget range for home improvements was between $2,001 and $5,000 and the most popular areas to renovate were the kitchen, bathrooms, backyards or patios, and the exterior of the home, according to realtor.com®’s Home Improvement Survey.
Source: National Association of Home Builders and “Majority of Home Owners Planning to Renovate,” REALTOR® Magazine Daily News (July 18, 2014) and http://realtormag.realtor.org/daily-news/2014/07/25/remodeling-rising-more-home-owners-spruce-up-properties