Preheat oven to 350 degrees. Grease a 9 x 5 inch loaf pan with oil or butter.
In a bowl, beat together the oil and brown sugar until combined. Whip in the eggs, one at a time, then the vanilla and pumpkin puree. Add the flour, baking powder, baking soda, cinnamon, ginger, cloves, and salt.
In a separate bowl, beat the cream cheese, egg yolk, sugar, and flour until smooth.
Pour half the batter into the prepared loaf pan. Dollop the cream cheese and swirl gently with a butter knife to distribute. Add the rest of the batter, smoothing with a spatula to ensure the cream cheese is totally covered. Sprinkle the cinnamon sugar overtop.
Bake for 55-65 minutes. Start checking the bread for doneness at 50 minutes by inserting a skewer into the center. When the skewer emerges with just a few moist crumbs, remove the bread from the oven.
Cool the bread in the pan for 20 minutes, then invert onto a plate and flip upright onto a wire rack. Cool at least another 30 minutes before slicing. ENJOY with a cup of coffee or tea, and maybe a smear of butter too.
Notes
*Cinnamon sugar: In a small bowl, toss 3 tablespoons of sugar with 1 tsp cinnamon. Easy peasy!