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It's possible to trade profitably on the Forex, the nearly $2 trillion worldwide currency exchange market. But the odds are against you, even more so if you don't prepare and plan your trades. According to a 2014 Bloomberg report, several analyses of retail Forex trading, including one by the National Futures Association (NFA), the industry's regulatory body, concluded that more than two out of three Forex traders lose money. This suggests that self-education and caution are recommended. Here are some approaches that may improve your odds of taking a profit. Prepare Before You Begin Trading Because the Forex market is highly leveraged -- as much as 50 to 1 -- it can have the same appeal as buying a lottery ticket: some small chance of making a killing. This, however, isn't trading; it's gambling, with the odds long against you. A better way of entering the Forex market is to carefully prepare. Beginning with a practice account is helpful and risk-free. While you're trading in your practice account, read the most frequently recommended Forex trading books, among them Currency Forecasting: A Guide to Fundamental and Technical Models of Exchange Rate Determination, by Michael R. Rosenberg is short, not too sweet and highly admired introduction to the Forex market. Forex Strategies: Best Forex Strategies for High Profits and Reduced Risk, by Matthew Maybury is an excellent introduction to Forex trading. The Little Book of Currency Trading: How to Make Big Profits in the World of Forex, by Kathy Lien is another concise introduction that has stood the test of time. All three are available on Amazon. Rosenberg's book, unfortunately, is pricey, but it's widely available in public libraries. "Trading in the Zone: Master the Market with Confidence, Discipline and a Winning Attitude," by Mark Douglas is another good book that's available on Amazon, and, again, somewhat pricey, although the Kindle edition is not. Use the information gained from your reading to plan your trades before plunging in. The more you change your plan, the more you end up in trouble and the less likely that elusive forex profit will end up in your pocket. Diversify and Limit Your Risks Two strategies that belong in every trader's arsenal are: Diversification: Traders who execute many small traders, particularly in different markets where the correlation between markets is low, have a better chance of making a profit. Putting all your money in one big trade is always a bad idea. Familiarize yourself with ways guaranteeing a profit on an already profitable order, such as a trailing stop, and of limiting losses using stop and limit orders. These strategies and more are covered in the recommended books. Novice traders often make the mistake of concentrating on how to win; it's even more important to understand how to limit your losses. Be Patient Forex traders, particularly beginners, are prone to getting nervous if a trade does not go their way immediately, or if the trade goes into a little profit they get itchy to pull the plug and walk away with a small profit that could have been a significant profit with little downside risk using appropriate risk reduction strategies. In "On Any Given Sunday," Al Pacino reminds us that "football is a game of inches." That's a winning attitude in the Forex market as well. Remember that you are going to win some trades and lose others. Take satisfaction in the accumulation of a few more wins than losses. Over time, that could make you rich!

Apple Crumb Cream Cheese Coffee Cake

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Enjoy a delectable cream cheese filling, cinnamon and baked apple slices throughout this buttery, lush coffee cake with the yummiest brown sugar crumb topping on top.

It has cream cheese in it!  Everyone loves cream cheese in everything, so it’s going to be addictive! Apples and cinnamon make it even better!


It’s really nice to have on hand when entertaining guests for breakfast, brunch, snack time or after dinner as dessert.

It’s such a Fall classic and one of my favorite quick breads ever, so I wanted to incorporate it into a coffee cake with the additions of cream cheese and brown sugar crumble topping.
It worked out beautifully!

Apple Crumb Cream Cheese Coffee Cake Recipe

Apple Crumb Cream Cheese Coffee Cake is the next best thing to heaven!  Enjoy anytime of the day!


Ingredients

Coffee Cake:

  • 2/3 cup white sugar
  • 1/2 cup butter softened
  • 2 large eggs
  • 1 1/2 teaspoons vanilla extract
  • 1 1/2 cups all-purpose flour
  • 1 3/4 teaspoons baking powder
  • 1/2 cup milk or almond milk
  • 2-3 apples any kind peeled and sliced thin

Cinnamon Cream Cheese Filling:

  • 1 8 oz cream cheese softened
  • 1 egg
  • 1/4 cup sugar
  • 1/2 teaspoon cinnamon

Brown Sugar/Cinnamon Mixture

  • 1/3 cup light brown sugar
  • 1 teaspoon ground cinnamon

Brown Sugar Crumble Topping:

  • 1 c. All-Purpose flour
  • ½ c. brown sugar
  • 1 tsp. cinnamon
  • ¼ tsp. salt
  • 1 stick unsalted butter melted and cooled

Instructions

  • Preheat oven to 350 degrees. Prepare a 9 inch baking pan or spring-form pan or and spray with non-stick spray.

Brown Sugar/Cinnamon Mixture:

  • Mix together the cinnamon and brown sugar together, set aside.

Brown Sugar Crumble Topping:

  • Whisk together flour, brown sugar, cinnamon, and salt in a small bowl. Pour in the melted butter and stir with a fork until large clumps form. Set aside.

Cinnamon Cream Cheese Filling:

  • Using mixer, beat the cream cheese, egg, sugar and cinnamon together until creamy. Set aside.

Coffee Cake:

  • In another medium-sized bowl, beat white sugar and butter together using an electric mixer until smooth and creamy.
  • Beat in eggs, 1 at a time, until blended in; add in vanilla extract.
  • Combine & whisk flour and baking powder together in another bowl and add into creamed butter mixture and stir until blended.
  • Mix milk into batter until smooth.
  • Pour half the batter into the prepared loaf pan.
  • Pour 2/3rds of the cinnamon cream cheese filling on top of the cake batter.
  • Place the sliced apples in a bowl with the brown sugar/cinnamon mixture and place 1/2 of them on top of the cream cheese layer.
  • Add the rest of the cake batter, then add the rest of the cream cheese filling by dollops scattered about, then add the rest of the brown sugar cinnamon coated apples.
  • Add the brown sugar crumble topping and bake for 50-60 minutes.
  • Let coffee cake come to room temperature.  Serve, keep remainder refrigerated.

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