Royal Neighbors member and sales agent Amy Davis is good at a lot of things, but, admittedly, baking is not one of them. “It’s just not one of my best skills,” she laughs. “I can be a bit impatient, which does not go well with baking.” So when Amy’s 92-year-old grandmother told her that it was getting difficult to continue to make her famous lemon cake, Amy knew it was time to put on her apron and figure it out. “My father-in-law wanted it for his birthday, and it was up to me to make it.”
It took six cakes, baked over about three months, but she did it—and her father-in-law approved. “It can be a little tricky,” she says. “I learned the hard way that when the recipe says to cool the cake completely before you remove it from the pan, it means it. My first one stuck to everything. And don’t open the oven while it’s baking or it will fall. But I kept trying and now even Nana approves of my version!”
Amy’s grandmother started making the cake more than 50 years ago, when her best friend gave her the recipe. “They called it the ‘Required Lemon Cake’ because it was required at every family function,” explains Amy. “In our family it’s just Nana’s Lemon Cake. Part of what makes it special is that she always brought it on a piece of her wedding china. It’s one of my favorite memories.”
|1 box of lemon supreme cake mix|
1 cup apricot nectar
3/4 cup oil
1/2 cup sugar
|1/2 - 3/4 cup of powdered sugar|
Juice of two lemons, strained
Cake: Combine cake mix, apricot nectar, oil and sugar; mix well. Add eggs, one at a time, beating well after each addition. Pour into a floured and greased tube pan. Bake in 325° F. oven for one hour (less time for darker pans).
Glaze: Beat sugar and lemon juice with mixer until all the lumps are gone. Pour over hot cake. Let cool completely in pan. Remove carefully.
a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).
The calculations contained within this calculator are specific to Royal Neighbors of America. It is intended to estimate an amount of life insurance coverage if death occurred in the near future. It is not a recommendation for specific coverage amounts. Your financial needs may differ from the estimates. Royal Neighbors does not guarantee that the amount illustrated here will meet your financial needs. You are responsible for selecting the appropriate amount of coverage. To evaluate your specific needs, please contact Royal Neighbors directly at (866) 845-6665.
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Calculations include your answers to the previous questions, in addition to the following: 3% investment return; 2.6% anticipated inflation rate; $8,500 for funeral expenses which is based on the national median cost for an adult funeral in 2014 according to the National Funeral Directors Association1; 75% of your annual combined income for desired annual income needs; and 15 years for the number of years’ income needed or the calculation of the number of years it will take your youngest child to complete higher education, whichever is greater. Social Security benefits were factored based on the age of your youngest children (up to 4). Immediate needs include your mortgage, other debts, and $8,500 for funeral expenses.
College cost estimates are based on the following parameters (based on data provided by [College Board] . The inflation rate for college costs (5.48% annually) is based on the Bureau of Labor and Statistics Consumer Pricing Index average from January 1996-June 2016. This rate will factor into college cost assumptions for future years, adjusted annually.
1 “The national median cost of a funeral with viewing and burial for calendar year 2014 was $7,181. If a vault is included, something that is typically required by a cemetery, the median cost is $8,508. The cost does not take into account cemetery, monument or marker costs or miscellaneous cash-advance charges, such as for flowers or an obituary.” http://www.nfda.org/news/statistics