Monthly Archives: October 2016

Scary Sweets for Halloween

Halloween

At Raccoon Valley Bank, Halloween is one of our favorite holidays! We love resurrecting recipes each year for both neighborhood and community Halloween parties. Before you start planning your next Halloween bash, be sure to add these dangerous delicacies to your list of spooky specialties!

 

Witch’s Fingers: These pretzel rods add a delicious and haunting bite to any attendee’s plate! Simply cover each pretzel in melted bright green chocolate and attach an almond at the tip. Make them even more realistic by painting the almonds black with food coloring, and adding creases in the fingers.

 

Bug Cups: Surprise your guests with these crawling cups. Comprised of gummy treats, jello, and crushed Oreos, this easy desserts will entertain your party as they dig their way through the tasty treat.

 

Witch’s Brew: Filled with pickled beet and ogre’s toe, this gruesome drink will give you all the energy you need for a fun-filled evening of trick-or-treating. For the adults concocting this brew, you may find a mix of orange juice, sparkling grape juice, and sparkling apple juice will make for a the most fruitful potion.

 

Pumpkin Cake: A magical Halloween sweet, this delicious pastry is created to look just like a jack-o-lantern. Remember to customize your design with your family’s favorite pumpkin carving!

 

Halloween Cookie Cake: Covered in slime and bark, this famous treat is the perfect treat for exhausted halloween monsters. Give your little monsters a slice after trick-or-treating or before watching a family scary movie!

 

Caramel Apple Nacho Bar: Tailor your recipe to your own terrorizing tastes with this ooey gooey spread. You can choose the best ghoulish garnishes for you and your guests!

 

Jello Worms: Scare your friends with these creepy crawlers. Just combine your favorite jello, plain gelatin, and hot water to get these critters moving.

 

Jack-o-Lantern Pies: Be sure to scoop up these horrifying hand pies for your next event. With a simple crust, and a scrumptious filling, these decadent desserts are sure to be a hit at any fall festivity.

 

Butterbeer Hot Chocolate: For all the witches and wizards out there, this classic drink will make you want to say, “Repello Muggletum!” Get started and craft a cup for one, or for the entire place, this is a recipe you’ll want to try again and again!

How a $1,403 Cup of Coffee is a Bargain

Retirement

What do you dream of doing when you retire? Relaxing at home, traveling the world, or maybe a mix of both. Wherever your retirement takes you, you’ll want to be sure your savings can support your future lifestyle. Keep your dreams on track and follow this simple guide courtesy of Raccoon Valley Bank.

 

When you decide to retire, you start to receive the benefit of those hard-earned savings you’ve tucked away. Interest earned from these savings, along with any assistance you may receive, will soon become your primary source of income. This means that in order to have a successful retirement, you need to have a successful savings.

 

As of today, the estimated cost of future income is $16.75. This means that if you want to accrue $1 in earned income each year, you need to keep a savings of $16.75 in the bank. Now, let’s say for example, one of your retirement goals is to go down to the local diner each weekend and meet with friends for a cup of coffee. This cup of coffee costs $1.61, and for the sake of simplicity we won’t factor in inflation.

 

$1.61 x 52 weeks = $83.72 for your yearly coffee.

 

At $83.72 for the year, that would calculate to be $837.20 over the course of a decade, and $2511.60 over the next 30 years. However, once we calculate the current dollar of future income:

 

$83.72 x $16.76 = $1403.15 to cover your coffee for 30 years.

 

By this measure, you can pay for $2511.60 of weekend coffee, over the course of 30 years, by utilizing the $87.72 yearly interest on a total sum of $1403.15.

 

Concepts like this help showcase the incredible potential your retirement can hold! If you’re curious on how to maximize your savings, stop in today to speak with one of our knowledgeable personal bankers. We’ll help show you how to have your coffee and drink it too!

6 Ways to Save on Your Home Energy Bill

Save Money

The cool months are approaching, and so is the increase in your home’s energy usage. Before the days start to get chilly, put these key steps in motion to save some serious pocket change on your next utility bill.

 

  1. Swap out your 40 watt bulbs for a more efficient LED bulb. While the lights themselves may be more costly, they will save you money in the long run. Begin with one room in the house and every couple months splurge for another room’s new light bulbs. Slowly, your home’s lighting will become more energy efficient, dropping your electricity usage.
  2. While the temperature’s still relatively warm, turn off your air conditioning, and let the house breathe. Open up windows both upstairs and downstairs to cool the house, and bring in some fresh air. Even if it’s for only a few hours a day, this simple technique can decrease your energy usage a little at a time.
  3. Trade in those mesh curtains for an energy efficient alternative. Darkening shades can help to keep your house warm by trapping heat inside. As an added bonus, they also shield the sun, so sleeping in on the weekends has never been easier.
  4. If you have a family of four, doing laundry can add up quick! Decrease your energy usage by switching to a cold wash detergent and only using hot water when deep cleaning whites. For additional savings, hang items to dry outside while it’s still warm, eliminating the energy needed for the dryer.
  5. Fill your freezer. By keeping a full freezer, you make the appliance work less, once all the food is frozen. Each of the items inside of the freezer will help keep the space frozen, meaning less energy is needed to keep everything cold.
  6. Pile on the layers this season. Once the cold comes, instead of running to the thermostat, make your way to the closet. Adding sweatshirts, jackets, and cardigans to your wardrobe can help you stay toasty on those chilly nights, without spiking your energy bill. If the evening is particularly cold, enjoy the night in front of a warm kindling in the fireplace, and remember to add a couple blankets to your bed!

 

Whatever tactics you choose to save, Raccoon Valley Bank is here to help! Got questions on how to average your utilities over the course of the year? Our experienced personal bankers can help!

 

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