My Blog | My WordPress Blog

Best Fall Desserts To Make ⋆ 100 Days of Real Food

Healthy Eating

Admin

-

October 17, 2024

Best Fall Desserts To Make ⋆ 100 Days of Real Food

From pumpkin spice to apple crisp, here are the best fall desserts to make! Fall is the perfect season for cozying up with a warm cup of tea and a delicious dessert. The crisp, cool weather and changing leaves create a magical atmosphere that calls for sweet treats. If you’re looking for some inspiration, here are some of the best fall desserts to make.

Want to Save this Recipe?

Enter your email below & we’ll send it straight to your inbox. Plus you’ll get great new recipes from us every week!

This pumpkin cream cheese bread is a delicious and easy-to-make fall treat. It combines moist pumpkin bread with a creamy, tangy filling. Perfect for sharing with friends and family, or enjoying all on your own. Make it today and bring the warmth of fall into your home.

Aside from the fact that this Sheet Pan Apple Pie can feed a crowd, I like that it means I get a little more crust with each bite. We love this for a classic fall dessert! Check out our Guide to Apples.

Enjoy a cozy treat with our Cinnamon Glazed Popcorn Mix. It’s a blend of crunchy popcorn and rich cashews, all wrapped in a sweet cinnamon honey glaze. Easy to make and irresistibly delicious, it’s the perfect gift for friends or a special snack for yourself on a crisp fall day.

Taste the magic of autumn with our Sweet Potato Brownies. These soft, chocolatey treats are super easy to make with just five ingredients. Sweet potatoes add a healthy touch, making them a must-try. Enjoy a warm, comforting dessert in just 30 minutes.

Treat yourself to a delicious Shortcut Chocolate Pecan Pie this fall. It’s made with whole-wheat flour and maple syrup instead of refined ingredients. Add chocolate chips and a little brown sugar for a touch of indulgence. Enjoy a warm slice with homemade vanilla ice cream for pure bliss.

Cozy up this fall with homemade Whole Wheat Cinnamon Raisin Bread. It’s easy to make in a bread machine and your family will love it. Soft, sweet, and perfect as a snack or dessert—enjoy it with cream cheese or on its own. It’s a wholesome, delicious treat for any day!

Autumn calls for sweet and spicy Carrot Applesauce Muffins. They’re easy to make with honey, whole wheat, and yummy carrots! They taste just like a treat, but better for you. Soft and full of flavor, great for munching or as a quick breakfast. Plus, you can freeze them for later

Our Pumpkin Fluff Dessert Dip is a creamy and delicious fall treat. Made with real pumpkin and spices, it’s perfect for dipping apple slices or graham crackers. Easy to make and a hit with everyone, this dip is a must-try for Halloween or any autumn gathering. Enjoy its yummy, spicy, and sweet flavor!

Check out our Pumpkin Guide!

Make your own Maple Pecan Ice Cream at home! This simple recipe uses only the best ingredients for a rich, flavorful treat. With maple syrup and crunchy pecans, it’s easy to make and ready in just 20 minutes. Enjoy the taste of fall in every scoop!

Our homemade Cinnamon Apple Crisp is a simple yet delicious fall dessert. This easy-to-make treat combines sweet apples and warm spices under a crunchy topping. Perfect for any autumn gathering, it’s a crowd-pleaser, especially when served with a scoop of vanilla ice cream. Don’t miss out on this must-try dessert!

Our Healthy Pumpkin Bread is a delicious and nutritious fall treat. It’s soft, fluffy, and packed with pumpkin and cinnamon flavor. Made with wholesome ingredients and easy to prepare, this bread is perfect for breakfast, snacks, or dessert. Enjoy a cozy and comforting treat anytime!

Enjoy cozy fall mornings with Whole-Wheat Pecan Maple Cinnamon Rolls. Made without refined sugar, they’re a healthier treat that’s still sweet and soft. With warm cinnamon, crunchy pecans, and a creamy frosting, these rolls are perfect for lazy weekends. They’re a delicious, guilt-free twist on a classic favorite.

Taste the flavors of fall with our Pumpkin Cheesecake. This delicious dessert features a unique pecan crust and is filled with creamy pumpkin and warm spices. It’s a gluten-free treat that’s perfect for impressing guests or enjoying yourself.

Pumpkin mug cake is a quick and easy fall dessert. It’s made with simple ingredients and can be cooked in just 5 minutes. This cake is moist and has a cozy pumpkin spice flavor. Top it with cream or nuts for a delicious treat. Enjoy this warm and fluffy cake anytime you want a taste of fall.

Fall is a delightful season to explore baking and savor the flavors of autumn. By experimenting with new recipes and adding your own unique touch, you can create some of the most memorable fall desserts that will delight your loved ones. Happy baking!

Frequently Asked Questions (FAQs)

What is one popular sweet treat made from fall harvest?

Pumpkin pie is a popular sweet treat made from fall harvest. It’s typically made with pumpkin puree, spices like cinnamon and nutmeg, and a flaky crust.

What is one popular sweet treat made from fall harvest?

Pumpkin spice is arguably the most popular flavor for fall. It’s a combination of flavors like pumpkin, cinnamon, nutmeg, cloves, and ginger that’s often used in everything from lattes to cookies and pies.

Can I use canned fruits for making fall desserts?

Yes, canned fruits can be a convenient and time-saving option for making fall desserts. For example, canned pumpkin puree is a staple for many pumpkin desserts, and canned pears can be a great addition to tarts and crumbles. Just be sure to adjust the sugar content accordingly, as canned fruits can sometimes be sweeter than their fresh counterparts.

Can I use canned fruits for making fall desserts?

Dairy-free options for fall desserts are plentiful. Consider making apple crisp or pumpkin bread using oil or a butter alternative. Many recipes can also be adapted by substituting dairy ingredients with almond milk, coconut cream, or similar dairy-free alternatives.

How do I store fall desserts to keep them fresh?

The best way to store fall desserts depends on the type. Pies and cakes are best kept at room temperature for the first few days, covered loosely with foil or plastic wrap. For longer storage, refrigerate them to keep them fresh. Cooked fruit desserts and cheesecakes should be refrigerated from the start. Always ensure desserts are covered to prevent them from absorbing fridge odors.

Are there any quick fall desserts I can make in under an hour?

Yes, there are many quick fall desserts you can make in under an hour. For example, baked apples stuffed with oats, nuts, and spices can be prepared in less than 30 minutes. Another quick option is no-bake pumpkin balls, which combine pumpkin puree, oats, and fall spices for a speedy treat.

What is a Construction to Permanent Loan?

A Construction to Permanent Loan, often referred to as a C2P loan, is a type of financing that covers the costs of both constructing a home and transitioning to a standard mortgage once the home is completed. This type of loan typically involves only one closing, which simplifies the process for borrowers since they only need to secure financing once.

The FHA and Conventional C2P loans are popular options for homebuyers who want to build their own home. These loans typically cover the cost of purchasing the land (if applicable), the construction of the home, and the transition to a long-term mortgage.

FHA Construction to Permanent Loans; What is an FHA C2P Loan?

An FHA Construction to Permanent Loan is a government-backed mortgage option that is ideal for borrowers with lower credit scores or smaller down payments. FHA loans are insured by the Federal Housing Administration (FHA), which allows lenders to offer more lenient terms.

Key Features of FHA C2P Loans

Down Payment Requirement: FHA loans generally require a 3.5% down payment. However, if you already own the land, you can use the equity in the land as part (or all) of your down payment. This means if the land is fully paid for and valued at or above 3.5% of the total construction cost, you might not need to bring additional funds for the down payment.
Credit Score Requirement: FHA loans typically require a minimum credit score of 580. However, some lenders may offer loans to borrowers with lower credit scores, though a larger down payment may be required.
Inspections Required: FHA C2P loans require multiple inspections throughout the construction process. These include an initial inspection of the land and plans, progress inspections at various stages of construction, and a final inspection once the home is completed. The FHA must ensure that the construction adheres to its safety and quality standards before transitioning the loan to a permanent mortgage.

Who Should Consider an FHA C2P Loan?

FHA C2P loans are ideal for borrowers with limited savings or credit challenges. They offer a path to homeownership even if you cannot meet the stricter requirements of a conventional loan. The FHA’s backing gives lenders the confidence to provide more accessible terms, making it a popular option for first-time homebuyers or those who need a more affordable down payment.

Conventional Construction to Permanent Loans; What is a Conventional C2P Loan?

A Conventional Construction to Permanent Loan is not government-backed, and therefore, the requirements for qualifying are generally more stringent than FHA loans. However, conventional loans offer more flexibility in terms of loan amounts and can be a better fit for borrowers with stronger financial profiles.

Key Features of Conventional C2P Loans

Down Payment Requirement: Conventional loans typically require a down payment of at least 5% of the total construction costs, though this can vary based on the lender and borrower’s financial profile. As with FHA loans, if the borrower already owns the land, the equity in the land can be used toward the down payment.
Credit Score Requirement: The credit score requirement for conventional loans is generally higher, often requiring a minimum score of 620 or higher. Borrowers with higher credit scores may qualify for better interest rates and more favorable loan terms.
Inspections Required: Like FHA loans, conventional C2P loans require several inspections during the construction process to ensure that the work is proceeding according to plan and is up to standard. These include land inspections, progress inspections at key milestones, and a final inspection once the home is completed.

Who Should Consider a Conventional C2P Loan?

Conventional C2P loans are a great option for borrowers with strong credit and the ability to make a larger down payment. They often come with fewer restrictions than FHA loans and can offer better interest rates for qualified borrowers. Additionally, if the loan amount exceeds FHA limits, a conventional loan might be your only option.

Two-Time Close Construction Loan; What is a Two-Time Close Construction Loan?

A Two-Time Close Construction Loan involves two separate loan transactions: one for the construction phase and one for the permanent mortgage after the construction is completed. This means there are two closings, and typically two sets of closing costs, though the advantage is more flexibility during construction.

Key Features of Two-Time Close Construction Loans

Down Payment Requirement: Down payment requirements vary depending on the lender and the type of loan used for both the construction and permanent phases. For conventional loans, down payments typically start at 5%, while FHA-backed loans may still offer the 3.5% option. As with other types of loans, land equity can be used as the down payment.
Credit Score Requirement: Credit score requirements for two-time close loans are similar to those of C2P loans. Conventional two-time close loans usually require a score of 620 or higher, while FHA-backed two-time close loans may be available with a score as low as 580.
Inspections Required: Since there are two phases to the loan, the inspection requirements are generally similar to C2P loans, with multiple inspections needed during construction. However, the lender may require more detailed progress reports to ensure that the construction is on track and the value of the property aligns with the loan amount.

Who Should Consider a Two-Time Close Construction Loan?

The two-time close option is ideal for borrowers who want more flexibility during the construction process. If you want the ability to make adjustments to your construction loan mid-project, this type of loan can provide more freedom. However, keep in mind the additional costs and paperwork associated with closing twice.

Using Land as a Down Payment

One of the major benefits of building a home is that if you already own the land, you can often use the land’s equity as your down payment. This applies to both FHA and conventional C2P loans, as well as two-time close loans.

How Does This Work?

If you own the land outright, the lender will typically allow you to use the full value of the land as a down payment.
For example, if the construction cost is $300,000 and the land is valued at $30,000, that $30,000 can serve as your down payment. For FHA loans, this would more than cover the 3.5% down payment requirement.
If there is still a loan balance on the land, the lender may consider the remaining equity (land value minus any loan balance) toward the down payment.
You’ll need a land appraisal to determine its current market value, which will be used to calculate the equity available.

Required Inspections

Construction loans require thorough inspections to ensure the building process is going according to plan. These inspections are critical for protecting both the borrower and the lender. Here are the key inspections required for FHA and Conventional C2P loans, as well as two-time close loans:

Initial Inspection: This is conducted before construction begins to assess the land, building plans, and costs.
Progress Inspections: These occur at various stages of the construction process. Inspections typically take place at major milestones, such as after the foundation is laid, when the framing is completed, and before drywall is installed.
Final Inspection: This is performed when the home is fully completed to ensure it meets all safety and building standards before the loan transitions to a permanent mortgage.

Conclusion

Whether you’re looking at an FHA Construction to Permanent Loan, a Conventional Construction to Permanent Loan, or a Two-Time Close Construction Loan, understanding the different requirements and options can help you make an informed decision. Each type of loan offers unique benefits, depending on your financial situation, credit score, and the value of any land you already own.

By carefully considering down payment requirements, inspection processes, and the role of your credit score, you can find the construction loan that best fits your needs and move forward with building the home of your dreams.

AI Avatars Slammed By Dan Dewhirst After Venezuela Fake News

hollywood

Admin

-

October 17, 2024

0

An actor who has appeared in Prometheus, Dark Crystal and Bleachers has warned against signing AI avatar contracts after his face was used to peddle a misleading Venezuela propaganda campaign.

Dan Dewhirst released a statement via UK actors union Equity about his experience in order to warn others.

Dewhirst said he signed a contract in 2021 with tech company Synthesia to become one of the first actors whose likeness would be made into an AI avatar. He auditioned for the avatar part and got it but became suspicious about the wide-ranging clauses in the contract, so he contacted his agent and Equity. Concerns were echoed and Dewhirst said he and his lawyers tried to get the contract changed yet failed, but he was showed the booking confirmation which included stipulations that the avatar can’t be used for illegal or unsavoury purposes, he said.

However, two years later he was sent a link to a fake CNN report that he said showed him posing as a TV news anchor spreading fake news pushed by the government of Venezuela’s Nicolas Maduro. His avatar tells viewers that the economy is doing well, among a string of other inaccurate and contested narratives, he said.

“I couldn’t believe it” said Dewhirst. “My stomach dropped. Everything I was worried about has happened but a thousand times worse. I’m literally the face of fake news.”

A spokesperson for Synthesia told a Guardian investigation that it had banned the accounts that created the videos in 2023, strengthened its content review processes and “hired more content moderators.” “Many of the actors we work with re-engage with us for new shoots … At the start of our collaboration, we explain our terms of service to them and how our technology works so they are aware of what the platform can do and the safeguards we have in place,” it added. We have contacted Synthesia for further comment.

Dewhirst is coming forwards in order to warn others against signing AI avatar contracts in the future and other actors who had similar experiences spoke with The Guardian.

Equity has been pushing for AI Safeguards in a similar vein to its American union counterparts and has made AI a cornerstone of its negotiations with producer trade body Pact.

John Barclay, Equity assistant secretary, said: “AI isn’t the future, it’s the present. It’s here right now and performance artists are increasingly working in this growth area, providing movement and voice recordings for Gen AI content. Engagers of our members are slow to respond to the threat not only to our members’ rights, but also their own Intellectual Property and this must change.”