Now who doesn't love bread pudding? It can be decadent and satisfying and is perfect to whip up for a house party. Here are two delicious bread pudding recipes that will leave your mouth watering and want more. Rum Glazed Coconut Bread Pudding Ingredients 5 slices stale wheat bread, cubed (around 6 loosely packed cups) 3 large eggs ½ cup light brown sugar 1 ½ cups light coconut milk ½ cup raisins 1 tablespoon vanilla extract 1 ½ teaspoons cinnamon ¼ cup light brown sugar (for topping) ¼ cup softened butter (for topping) ½ cup grated coconut (for topping) Ingredients - Rum butter glaze ¼ cup golden or dark rum ¼ cup butter ½ cup light brown sugar 2 tablespoons vanilla extract Method Preheat the oven to 160 degrees Celsius. Grease a baking dish with butter and keep it aside. In a bowl, whisk eggs, coconut milk, vanilla extract, brown sugar and cinnamon powder. Add the cubed bread by folding it in gently. Let the bread sit in the coconut milk mix for about 10 minutes. Add in the raisins. Mix the softened butter, brown sugar and grated coconut and keep aside. Put the bread mix into the baking dish and add the toppings to it. Bake for about 30-45 minutes. To check if it has been baked fully, insert a knife into the center of the pudding and check if it comes out clean. To make the rum glaze, heat the ingredients in a small pot on simmer till all the sugar has dissolved. The sauce should have a thick consistency. Let the sauce simmer for 5 to 10 minutes. This can be drizzled over the pudding just before it's served. Bread Pudding with Condensed Milk Ingredients ¼ Teaspoon Nutmeg Powder 50 g Raisins 2 Eggs Beaten 25g Butter 2 cups Milk 6 Bread Slices ½ tin (200 g) Sweetened Condensed Milk 50g almonds, sliced Few strands of Saffron Method Preheat the oven to 160 degrees Celsius. Grease a baking dish and set aside. Butter the bread slices on both sides and cut them into triangles. Place the bread triangles inside the baking tray and sprinkle raisins all over them. In a separate bowl, beat together the sweetened condensed milk, milk, eggs and nutmeg powder with the speed set on medium. Pour this mix over the bread slices till the bread is completely covered. Let it sit for about five minutes. Place the dish in the oven and let it bake for 30-45 minutes or until the top is golden brown in color. Let it rest for 10 minutes before removing it from the tray. Add the almond slices and saffron as garnish. This can be eaten either hot or cold.

A mortgage is a key debt instrument in the financing arena, as it provides a quick loan to the borrower against the property and is a security to the bank. Typically, the large businesses and individuals use the mortgage as an option for large real estate purchases, without making payment of the full value. The bank is also comfortable in providing money to the borrower, as in case if the borrower stops paying the mortgage, the bank has the authority to take control of the mortgaged property. Mortgage refinance is an important process in the debt sector, which allows the borrower to replace their mortgage on their property with a new mortgage. This process helps to provide new money to the borrower and pay off the original mortgage with the better terms. Understanding mortgage refinance Let's consider this example to understand mortgage refinance. Adam has a mortgage for $500,000 with Bank A at an interest rate of 8%. He found that he could obtain a mortgage for the same amount with Bank B at an interest rate of 5%. Now he takes a loan with Bank B for $500,000 at an interest rate of 5% to pay off the debt of Bank A, which means that he is under no obligation to Bank A. Now Adam is required to pay Bank B only. Mortgage refinance cannot only be used to pay off the original debt, but it can also be used to pay off other debts. However, in this case, the homeowner should have sufficient equity in real estate. Pros and cons of mortgage refinance Starting with the pros of mortgage refinance, if the interest rate is less than the original mortgage, the homeowner can save a significant amount of money and tend to pay less monthly installments. In the long run, mortgage refinance is helpful as the borrower will pay less each month and save extra cash. This cash could be put towards the short and long-term saving goals. The cons of a mortgage refinance is that there are many closing costs involved while closing the original mortgage such as title insurance, attorney fees, appraisal fees, and some other costs have to be paid again. In case if the original mortgage was recent, then the lending institution waives some of the fees. It would be a wise step for the borrower to determine the closing costs and other fees associated with the mortgage refinance to get the best deal and save money. However, the amount of interest saved is higher than the closing costs, which is a plus point for the borrower. Therefore, the borrower can consider a mortgage refinance as an option.

Consoles make gaming more enjoyable. Most of the blockbuster games like Grand Theft Auto, Infinite Warfare, and others are made only for consoles. If you cannot play these games, you are deprived of the best of video-gaming experience. The evolution of gaming consoles The gaming console has undergone a huge evolution since the idea of the console was first materialized -- through Pong and Pac-Man. The modern consoles are able to play all the top-notch and high-caliber interactive games with mesmerizing 3D graphics. The quality and caliber of consoles have been improving over the years. At present, the competition in the world of gaming consoles is between few companies Xbox, Sony PlayStation, Sega, Atari, and Nintendo. Each of these companies has been updating its products since their first launch. Selecting the most suitable gaming console Latest models of Xbox, Sony PlayStation, Sega, Atari, and Nintendo qualify as premium versions. If you are searching for cheap game consoles, then you should look for the previous models. It is often seen that the latest and the previous versions don't differ much in caliber or quality. Companies tweak, refine some features and release their latest models. If you buy previous versions of these, you can get cheap game systems. But which one should you buy? There are previous versions of all the major gaming-console makers. You need to draw a comparison between the features of all such consoles designed by reputed manufacturers. Comparing gaming consoles All the reputed gaming console manufacturers have comparable capabilities. So you should compare gaming consoles' capabilities before purchasing one. One unique factor in deciding the selection of gaming consoles is -- video games that come bundled with the consoles. Each company has its own video game. Nintendo has the Super Mario series. Sega has Sonic. Xbox has Quantum Break and Forza Motorsport. PlayStation has Until Dawn, The Last Guardian, etc. So, comparing the gaming consoles is not easy as there are many factors to consider. If the price is a criterion, then you do have a chance of selecting the cheapest game console -- if you visit places which sell wholesale game consoles. Online consoles Like everything else, you can get gaming consoles online. There are many online platforms where you can get all the above-discussed gaming consoles. You have to compare the features of these consoles threadbare, to select cheap game consoles online. If you are not able to do so, you should at least see that the console has a powerful processor for displaying the enchanting 3D graphics of famous games. Getting the cheapest deal If you want the cheapest deal, then wait for November 24th. This year, Black Friday is on 24th November, when you can get a discount on gaming consoles by all the reputed manufacturers. On Black Friday, gaming consoles are searched by every one to experience blockbuster games at a cheap rate.

Sports by definition is anything that is amusing or entertaining. The word sport itself in old French means leisure. In the recent times, however, sports has been radically associated with competitive physical activity and appropriate attitude. When one talks of cue games as sports, there is a lingering apprehension about the activity being qualified enough to call sports at all. Since cue sports are table-based activities that you engage in with your pals for a few pennies, discourse on the true nature and intent of cue games has been making the rounds. The bigger debate is whether cue sports are actually sport activities or nothing more than mere fun and games. The biggest reason for such a speculation to arise has been probably the casualness and informality formerly surrounding the game. Since taking a drag and sipping a pint during the course of the match was no biggie, these images for long stayed etched in people's psyche. Since the game became supremely popular, it exposed itself to stern public eye and garnered a lot of negative attention! This however has changed in recent times. Since sportsperson are expected to maintain a healthy and fit lifestyle and be appropriate in their mannerisms, cue sport players incorporated some changes and ditched their 'pub-like' behavior. The British were the first to make the alteration and the rest of the world swiftly followed. Another reason for undermining cue sports as actual sports is the seaming dearth of physical prowess required in qualified sports. This may not essentially be true if you ask a professional billiard player, but the allowance of frequent breaks and casual joking is a part and parcel of the fun. Despite being professionally taught and played at sport clubs/academies and tournaments respectively, cue sports haven't really made it to the Olympics. Despite a former bid for the sports to launch at Tokyo, cue sports couldn't get to the 2020 Olympics. This may be a strong leverage against cue sports that the ones discounting the sport for a game may dwell on. The truth, however, lies in the fact that cue sports just like universally recognized sports, employ great skill and dexterity in addition to being lots of fun! Cue sports are not merely just about leaning on a table and sliding a ball across, they are activities that celebrate the actual spirit of sports. They provide entertainment to both the player and the spectator and keeps either party actively engaged. To consider these sports anyway inferior to tennis, football, cricket or rugby would fairly be very unfair!

Feeling philanthropic lately? Why not donate to a charity and experience the joy of giving. There are numerous charities in the US that are doing brilliant work for various causes. The first step is to find a cause close to your heart. Every charitable trust in general focus on a particular cause such as a children's fund, medical aid, helping the veterans, wildlife conservation, providing for homeless and the list goes on. Just a look at the long list would make anyone feel fortunate about themselves and go out to help the needy.

It is understandable that you would be skeptical on whether the money would be used up for the intended purpose. There are definitely those that have more admin costs such as spending on fundraising rather than redirecting the money and effort for the actual cause. Hence, it takes patience to study and identify the best charity organization to donate your hard-earned money to.

Do your research To aid your quest for knowledge, there are tools provided by Charity Navigator, BBB Wise Giving Alliance or Charity Watch who provide all the necessary resources to choose the best charities you could donate to. They are termed as the charity watchdogs for the apparent reason. They help you dig into the sources of funding for any given charity, how they manage the fund and so on to make an informed decision. The website of Charity Navigator even has a dedicated section to spotlight charities involved when a natural disaster like a tsunami hits. This way you could give generously without a cause for concern because when a disaster happens, you will obviously have no time for research, but just to give.

Based on a combined ranking from the watchdogs, several charitable organizations stand out for their respective causes. The Breast Cancer Research Foundation, New York, Animal Welfare Institute, Washington D.C., American Kidney Fund, Rockville and Alzheimer's Foundation of America, New York are some of them.

Forbes ranked United Way Worldwide, Taskforce for Global Health, Feeding America, Salvation Army and YMCA of the USA among the top five by their financial efficiency while depending largely on private donations. Interestingly, The Street listed the Brother's Brother Foundation for spending negligible amount on administrative expenses while spending on agricultural, medical and humanitarian efforts in over 140 countries. Matthew 25 follows suit with 0.1% on admin expense while redistributing used goods to those in need. As can be seen, with a little effort, such impressive charities can be easily identified.

Do your part Exercise caution while writing your cheque. Watch out for phonies with a name closer to a popular charity. Choose to remain anonymous, if you do not wish to be bothered with further donations. Always contact the charity organization directly to make your donation, thereby avoiding any middlemen. Moreover, you may also be able to get tax exemptions on your donations, so keep up the good deed!

Sonos has got some excellent range of sound systems. If you are confused about choosing your best device, here we compare some Sonos speakers to see which is the best for you to buy. Sonos Play 5 If you like a louder and best sound effect for party Sonos Play 5 is highly recommended. It has this brilliant sound that is perfect for an all-night party at home. You may need to install it in huge room space to feel its maximum power. This model comes along with three tweeters, a phased speaker array, and three woofers. If you have money to spend, then the Sonos Play 5 multi-room player is a brilliant choice. Sonos Playbar Playbar is costlier than Play5 but this Sonos speaker takes your home theatre to the next level. This Wi-Fi enabled devices automatically synchronizes with other portable Sonos devices and Bluetooth headphones. Sonos Playbar has more mid-woofers that produce deep bass and treble but lacks in equalizer adjustment option. It has more depth and balance than Sonos Playbase that plays treble sound a bit sharper. Sonos One Sonos One may seem to be a small speaker but it has enough power to fill the rooms. It delivers solid sound at an affordable price. Despite being an old model speaker in a compact size, it does not compromise with enormous sound delivery without distortion. Sonos One is integrated with Alexa voice control, a virtual assistant developed by Amazon, which makes it more fun to use. It works smooth, tells information about weather, plays music and Amazon constantly updates new skills to Alexa making it more useful to you. Sonos Play:1 This Sonos speaker is the cheapest of Sonos Play series. It has an aluminum grill chasing that makes this product premium. Despite the speaker being wrapped in the aluminum grill, it does not put out a full 360 degrees sound. The sound is directional and is louder and sharp. It can fly solo or can relate to an existing system for a multi-room setup. It only has a pause and play button but no skipping or going back on songs on these speakers. Sonos Playbase Like the Playbar, Sonos Playbase is meant to work with your TV. Playbase. It's an extremely low-profile sound base that is just over 2-inches tall. It has 10 amplifiers: 6 mid-range drivers, 3 tweeters, and one subwoofer. It works on the Sonos app, once you install it, it automatically gets connected to the speakers in your system.