Category Archives: Uncategorized

The Great Pumpkin Pie Recipe

Bursting with flavor, this pumpkin pie recipe is my very favorite. It’s rich, smooth, and tastes incredible on my homemade pie crust and served with whipped cream.

I spent the majority of my incredibly awesome week last week testing pumpkin pie recipes.


Sacramento Personal Injury Lawyers

Nobody plans on being seriously injured. Nobody plans on having to hire a personal injury lawyer. But nothing interrupts a life in progress more than a serious injury. It can take away your ability to work and earn a living. It can result in mounting medical bills and other debts. It can impair your ability to engage in physical activities and enjoy your life.


If you have been hurt through someone else’s carelessness or neglect, you have a legal right to make a claim for compensation for medical expenses, lost income, and pain and suffering. For something as important as being compensated for these life-changing losses, it goes without saying that you should hire the best possible representation.

Experienced Sacramento Personal Injury Attorneys

For over 25 years, Rosenthal & Kreeger, LLP has been exclusively representing clients who have been badly injured by the carelessness and neglect of others in Roseville, Sacramento, and throughout the surrounding California communities.

our Sacramento personal injury attorneys have all received the highest ratings by their colleagues and clients, including having received the AV Preeminent peer review rating* through Martindale-Hubbell and having achieved the top rating of “Superb” through the lawyer rating site Avvo. The personal injury lawyers at Rosenthal & Kreeger, LLP have been leaders in the Sacramento region and California state trial lawyer organizations for over two decades.

We have a long track record of excellence in obtaining superior results for injured clients through pre-litigation settlements, litigation, arbitrations, mediations, and jury trials. From the start, the firm will take over communication with the insurance company, conduct necessary investigation, and document all of your losses. Every effort will be made to settle your case on favorable terms without a lawsuit, but we are willing to fight all the way through jury trial if necessary to get you fair compensation.

In today’s personal injury world it is harder than ever to get the compensation injured claimants deserve. Lawyers who will not stand up to insurance companies or corporate wrongdoers will easily fold and push their clients to take inadequate settlements. Unlike many firms, Rosenthal & Kreeger, LLP is willing to fight all the way on any case to get its clients the compensation they deserve. We have the expertise and resources to obtain the best results against any insurance company or corporate wrongdoer.

Compassion and Integrity

At Rosenthal & Kreeger, LLP, we never lose sight of the fact that our clients have been through an unwanted traumatic experience that has disrupted their lives. We are here not only to make sure that all of our clients’ legal needs are taken care of but to also provide a support network to help them through a difficult time and help get them back on their feet.

We pride ourselves on a level of personal service that goes beyond protecting our clients’ legal rights. Effective representation requires respect within the legal community, within the insurance industry and their lawyers, and the judges whom we deal with on a daily basis.

Easy Sugar Cookie Recipe (With Frosting!)

These are my favorite sugar cookies! This recipe makes a simple, versatile vanilla sugar cookie; the dough is easy to roll and to work with and doesn’t spread when baking, so your cookies will always have sharp, defined edges! You can decorate these cookies with sanding sugar, or you can use my recipe below for a simple (and tasty!) pipeable vanilla sugar cookie frosting.


Relief Refinance Mortgages

The Freddie Mac Relief Refinance MortgageSM provides broad market availability with two options that help borrowers who are making timely mortgage payments but have been unable to refinance due to declining property values.

Both the Same Servicer and Open Access options under the Relief Refinance Mortgage offering allow unlimited loan-to-value (LTV) ratios for fixed-rate mortgages, and relief from standard mortgage insurance requirements to provide qualified borrowers with expanded refinancing opportunities.

A portion of our Relief Refinance Mortgage offering, mortgages with LTV ratios greater than 80 percent, represents our business implementation of the Home Affordable Refinance Program® (HARP).

  • Relief Refinance Mortgage – Same Servicer offers simplified appraisal and borrower eligibility requirements.The mortgage being refinanced must be serviced by the Seller, or an Affiliate of the Seller and the Relief Refinance Mortgages must be originated by the Seller/Servicer or an Affiliate of the Seller.
  • Relief Refinance Mortgage – Open Access requires full underwriting by submitting mortgages for assessment through Loan Product Advisor®, offers simplified appraisal requirements, and may be originated by any Freddie Mac-approved Seller/Servicer. The mortgage being refinanced may be serviced by any Freddie Mac-approved Seller/Servicer.

Through these two refinancing options more borrowers will have options to refinance into mortgages that better position them for a successful long-term homeownership experience.

Complete requirements for Relief Refinance Mortgages – Same Servicer can be found in our Single-Family Seller/Servicer Guide (Guide) Chapter 4302. Requirements for the Relief Refinance Mortgages – Open Access are outlined in Guide Chapter 4303. Additional resources for Relief Refinance Mortgages and the Making Home Affordable Program are provided below.



Looking for a quick and tasty weeknight dinner? This Easy shrimp recipe is your ticket! Shrimp are coated in Mediterranean spices, then quickly cooked in a light sauce of olive oil and citrus along with shallots, bell peppers and tomatoes. Serve it with rice or your favorite grain and call it good! Be sure to read through for my tips and watch the video for how to make this easy shrimp recipe toward the bottom of this post.


Is Refinancing My Mortgage a Good Idea?

Is now a good time to refinance your mortgage? Will a lower interest rate cover the closing costs within a desired period? The decision to refinance your home depends on many factors. In some cases, refinancing is a wise decision. In others, it can cost you money.

The typical rule of thumb is that if you can reduce your current interest rate by 0.75% to 1% or higher, it might make sense to refinance. However, there are costs involved. Refinancing costs are almost as high as the cost of an initial mortgage. Your outlay will have to cover closing costs, title insurance, attorney’s fees, an appraisal, taxes, and transfer fees.

Closing costs will vary according to your interest rate. For a lower rate, your closing costs will be relatively high. For a higher rate, your closing costs will be less.

Consider How Long You Plan to Stay in Your Home

The first step in your decision to refinance is to calculate your monthly savings once your refinancing is complete.

For example, suppose you have a 30-year mortgage loan for $200,000. When you first assumed the loan, your interest rate was fixed at 6.5% and your beginning of month payment was $1,257. If interest rates are now are 5.5% fixed, this could reduce your monthly payment to $1,130. This would be a monthly savings of $127, or $1,524 annually.
Your lender can calculate your total closing costs for the refinance should you decide to proceed. If your costs amount to approximately $2,300, you know that your break-even point would be 1.5 years in the home ($2,300 divided by $1,524 = 1.5 years).
In this scenario, if you plan to stay in the home for two years or longer, refinancing makes sense.
Consider PMI

During periods when home values decline, many homes are appraised for much less than they have been appraised historically. If this is the case when you are considering refinancing, the amount at which your home is valued may mean that you lack sufficient equity to satisfy a 20% down payment on the new mortgage. To refinance, you will be required to provide a larger cash deposit than expected, or you may have to carry private mortgage insurance (PMI), which will ultimately increase your monthly payment. in this case, even with a drop in interest rates, your real savings may not amount to much.

Most of the time, a refinance that will remove your PMI will save you money and is worth doing for that reason alone. If your house has more than 20% equity, you will not need to pay PMI, unless you have an FHA mortgage loan or are considered a high-risk borrower. If you pay PMI, have at least 20% equity, and your current lender will not remove it, you should refinance.

Classic Cheesecake Recipe

Look no further for a creamy and ultra smooth classic cheesecake recipe! Paired with a buttery graham cracker crust, no one can deny its simple decadence. For the best results, bake in a water bath.

As much as I love cheesecake, I’ve never published a classic cheesecake recipe. There’s always been peanut butter, sprinkles, blueberry swirls, Snickers cheesecake, pumpkin, lemon, red velvet, or Nutella. That’s a lot of cheesecake recipes without a single nod to where it all originates: classic cheesecake.


Reverse Mortgage Loan in India and How does it Work?

Reverse mortgage in India is slowly but surely becoming an acceptable means for the elderly to lead a dignified life through income from the home that they once built while they were earning.

Mr. Menon has been retired for almost a decade now and has been living a peaceful life with his wife. However with the rising cost of living and extra expenses of health care , he finds it difficult to survive on his meager pension alone. Having been an upright and sincere government servant throughout his life his only asset today is the house he built from the employee soft loan almost 2 decades back.

His self esteem forbids him to ask money from children who are settled abroad. Reverse mortgage is an option that Mr. Menon was completely unaware of till recently. He can now opt for using his home to create financial security for himself and his wife without sacrificing his pride. This relatively lesser known concept of reverse mortgage in India is rapidly gaining acceptance in our society.

What is a Reverse Mortgage in Simple Terms ?

Reverse mortgage loan in India works just opposite of the conventional home loan. Here the owner offers the bank his house in lieu of money, where the bank does a valuation based on real condition of the house and the market prices. The bank then pays the owner the decided amount in installments as agreed upon providing a regular source of income till the time of death of the owner or the spouse after which the bank takes over the rights to the house.

How does Reverse Mortgage Work – RBI Rules ?

Reserve Bank of India is conservative while setting the norms for such transactions.

  • The total amount of money that bank shall pay to the owner in such an arrangement shall not exceed 60-90% of the prevailing market value of the house at the time of pledging it. Reverse mortgage loan formula is nothing but 60-90% market value of the home will be given as loan.
  • Borrower has the option of taking payment in monthly, quarterly or yearly mode but the maximum payment cannot exceed Rs. 50,000 per month
  • The borrower also has an option of taking lump sum payment which is 50% of the eligible amount but cannot exceed more than Rs. 15,00,000. The option is available only once for the purpose of any medical emergency for the borrower, his/her spouse or any dependent.
  • The total period of payment by the bank taking the mortgage shall not exceed 15 years. But some banks are actually giving for a longer period.
  • Banks need to reassess the prevailing value of the property every 5 years to find out the financial viability of the mortgage.
  • The banks are at liberty to introduce a fixed or floating interest rate as per the convenience of the owner who mortgages the property.

Reverse Mortgage Eligibility Criteria

How do you qualify for a reverse mortgage?In order to be able to avail this facility the elderly citizen seeking the mortgage must fulfill the following criteria.

  • The owner who mortgages such property should be at least 60 years of age and the spouse who becomes a co borrower in this case must be above 58 years.
  • The house must be self acquired and self occupied by the borrower at the time of the mortgage.
  • The borrower must be the clear owner of the property and the house must be free from all encumbrances.
  • The bank must evaluate and determine that the expected life of the house at the time of mortgage is a minimum of 20 years.

How Reverse Mortgage in India is Settled?

Like any other mortgage the Reverse Mortgage settlement in India is also guided by a few laid down stipulations by the RBI.

  • The borrower may sell the property to settle the outstanding amount due to the bank in between the stipulated period. Otherwise the repayment can also be done after the death of the borrower by the surviving spouse.
  • The bank may even sell off the house to settle the dues after death of the borrower. If the proceeds are more than the amount due then the balance is paid back to the surviving spouse or the legal heirs.

Can you Pay Off a Reverse Mortgage early?

This kind of loan can also be foreclosed provided the following conditions are met.

  • The borrower does not stay in the house for more than a year.
  • Borrower defaults on tax payments.
  • The borrower declares bankruptcy and abandons the place for good.
  • If the borrower is renting out the house for income generation.

Reverse Mortgage Loan Example

Suppose Mr. Menon is 65 Years Old and his spouse is 62 Years old. They both are pensioner but the pension amount is not sufficient enough to sustain. Mr. Menon owns a house which is worth Rs. 60 Lacs. The bank is ready to give him the loan amount of Rs. 36 lacs on his house for which they will be paid Rs. 36000 every month for next 15 years. So Mr. Menon can live in the same house for next 15 years and get a monthly income too.

Ham and Bean Soup (15 Minute Recipe)

quick and easy ham and bean soup recipe is ready in 15 minutes. loaded with cannellini or navy bean with tender leftover ham in every bite!

Ham and Bean Soup recipe is a fast and filling delicious weeknight dinner that smells heavenly. Perfect if you have any ham leftover from Christmas dinner!


California Reverse Mortgage Rules

A reverse mortgage offers homeowners 62 years or older a way to tap the value of their home without the burden of monthly interest payments. A homeowner taking out a reverse mortgage borrows against her home equity–the value of the home less any mortgages–and doesn’t have to pay the loan back until she moves out of the house.

Reverse Mortgage Requirements

California’s Reverse Mortgage Elder Protection Act of 2009 states that a reverse mortgage may have a fixed or adjustable rate of interest. The lender may charge fees and costs when the loan is taken out, periodically during the life of the loan, or when it matures. If the borrower receives his money in periodic payments, the lender can’t reduce the payments based on changes in the interest rate; a lender who fails to make the promised payments is liable for triple the amount of the default, plus interest. Lenders can’t penalize borrowers for paying off the loan early.


Under the California act, lenders must provide potential borrowers with a list of at least 10 federally approved nonprofit counseling agencies to consult about the risks and costs of a reverse mortgage; the counselors must not receive direct or indirect compensation from the lender or anyone else involved in originating or servicing the mortgage. The lender must provide the applicant with a checklist of issues to discuss–for example, that if a medical or family emergency forces the applicant to leave his home sooner than expected, the loan will come due immediately. Lenders can’t accept a finished application unless the borrower certifies he’s received counseling.


The act states that the lender must not make the reverse mortgage contingent on the borrower buying some other service, such as an annuity. If the lender is associated with businesses that provide annuities or insurance, the companies must have legal barriers set up to make sure that the lender has no incentive to push or recommend other financial services to the borrower. Recommending flood insurance, title insurance or hazard insurance would be an exception, since those are normal elements of a reverse-mortgage transaction.