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November 2008 - Shiraz Wine

The Best Articles on Shiraz Wine

Aging an Account - Unlike Wine it Only Gets Worse?


The term aging an an account can be understood by remembering this: Your credit history can be reported for seven (7) years from the first time you missed a payment and never got caught up. In a previous article, we touched on the term "initial delinquency". Both go hand in hand when we discuss the term "AGING AN ACCOUNT".

Remember, the Federal Law is emphatic. Someone can report a delinquent account for seven years from the intial delinquency. Many times, an original creditior will turn over or assign an account to a third party collection agency. Because the collection agency received the account much later then when it was first opened, they will very often report a new date of opening. In this manner, they think that they can report the information for seven years from the date of which the account was first placed for collection. This is very confusing for the average person and has caused many unsuspecting consumers to fail when qualifying for a mortgage.

It gets really confusing when the average consumer notices three or four different collection companies with different account numbers, different opening dates and no one reporting the intial delinquency date. Remember, the delinquency date of the original account. No one can change that date. Later on we'll discuss the "Statute of Limitations" and how it pertains to consumer debt.

Remember, when a creditor "charges off" an account he is merely writing it off for tax purposes. THIS DOES NOT MEAN YOU DO NOT OWE THE DEBT. You still owe on this bill. Keep that in mind. How often have we heard the statement "write it off for taxes"? What this means is that the IRS allows a company to recover a portion of bad debt by lowering the tax liability on corporate profit.

Occasionally, a credit report will show a charge off and still report the account as having a past due balance on the date the report was generated. This has been construed as "deceptive collection activity". The rationale from the debtor (you) is "how can I be past due on a charged off account"? Quite often, a violation of Section 623(a)(5) of FCRA occurs when the original creditor fails to report the intial date of delinquency.

Next article we'll discuss just how to negotiate debts.

Chuck Lunsford is the owner and developer of EasyFLoridaHomeLoans.com. He offers advice on how to get your credit in order and working for you. Visit his website and learn more about how to obtain bad credit loan mortgage



Shiraz Wine and More

Aging an Account - Unlike Wine it Only Gets Worse?


The term aging an an account can be understood by remembering this: Your credit history can be reported for seven (7) years from the first time you mi...


Click Here to Read More About Wine ...

Featured Shiraz Wine Items

2 Bottle Copper Wine Chiller


Your guests will be impressed by the beauty of this unique accessory and then delighted by your hospitality when you present a selection of four perfectly chilled wines to them. The center lid lifts off so that the inner chamber can be easily filled with ice. Each bottle rests in its own pocket for fast chilling. Equally at home in formal or relaxed settings. Solid copper and brass design is enhanced by an antique finish. Measures 9 3/4'H x 13 1/2'W x 9 3/4'D.


Price: 129.95 USD



News about Shiraz Wine

MODERN HOME FURNITURE !!!

Sun, 20 Jul 2008 12:38:03 -0700
Designed by Aykut Erol the Line Furniture System is a metal wire system made with a single stroke or line. This system has everything from a lamp, to coat hook, to shelving, to TV set, to even a wine and CD racks! The most important characteristic of “Line” is it being a no-break line.

Computerized Walk-In Wine Cellar Vault!

Sat, 19 Jul 2008 09:40:06 -0700
This walk-in wine vault with brushed aluminum exterior holds approximately 1,500 bottles. It has a computer panel inventory system, Wine Mate cooling system for optimal temperature & humidity, redwood racks and glass windows & door. Each unit is hand built to order. Each unit is shipped on three pallets, un-assembled. Minor carpentry...

Hang on the Wall Wine Racks

Mon, 14 Jul 2008 06:35:19 -0700
Menu AS Wine Racks that hang on the wall, allowing you to store 6 bottles. Available to purchase at www.wineware.co.uk


Summer Wine
Chianti Wine
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1:23 AM

2008 - Wine Developers

A Wine Developers Artilce for Your Viewing

Wine Storage Options for Serious Wine Collectors



Wine asset management, as serious wine collecting and storage has come to be known, is available in a variety of configurations depending on what a wine lover's needs are. Storage options include vault-like facilities where a customer's wine has a room all to itself, facilities that catalog and store wines all together in a cave or warehouse, decorative custom racks and cellars for the home and even wine storage lockers at local restaurants.


When deciding on how to store your wine, consider the following:


How long will your wine need to be stored?


There are many reasons to store wine, and the longer you plan to store it, the more important environmental conditions are. Some wine lovers store wine with a long-term investment in mind while others, such as wineries, may just be looking for a temporary space while their own storage facilities are full.


The type of wine you are storing also plays a part in length of storage time since many wines change and become more complex over time. Modestly priced wines generally improve more in the short-term, while finer wines that have come from quality fruit, harvested at the peak of ripeness and sugar levels, and are processed appropriately, will develop more complex flavors, intense aromas and deeper colors over many years assuming they are stored under the proper conditions.


How important is consistent temperature, humidity and lighting?


At a lower temperature wine develops more slowly, which allows it to reach and maintain its peak drink ability. If wine becomes too warm, certain aspects may mature and decline before others have been optimized. A temperature-controlled facility is a must for collectors who will be storing their wine over a long period of time. The industry standard for wine cellaring is 55-57 degrees.


Humidity levels are important as well. High humidity will cause mold and mildew, which can damage a wine's label and foil. But too little humidity can cause corks to dry out, shrink, break the seal and ultimately spoil the wine. Humidity of between 60-70% is optimal and is the industry standard for cellar storage.


How important is security, privacy and accessibility?


If you are storing valuable wine and want to rest easy, you may want to choose a facility that has individual lockers, state-of-the-art alarm systems at the facility, and on each individual locker, on-site surveillance cameras and even a 24-hour, on-site security guard or residing resident manager. Also, a fire sprinkler system in the building would be reassuring.


Secure wine storage facilities located in earthquake country should also include sturdy shelving that is bolted securely to floors and walls and specifically designed to protect the wine in the event of an earthquake. If a facility also has a back-up generator system, you will have extra assurance that even during a power outage; your wine will be maintained at the proper temperature.


Other Storage Options


For wine collectors who want to keep their collection close to home, the sky's the limit when it comes to personal storage containers, racks, cooling systems and cellars. If cost is no object and sufficient space is available, there are companies that specialize in building home wine cellars. Of course, this is the most expensive option and should only be considered if one is certain they will not be moving anytime soon. If properly designed and constructed, the home wine cellar can be a source of great enjoyment, but like many home improvements, the cost of construction is unlikely to be recovered if the home needs to be sold and may limit its appeal to future buyers who are not wine collectors.


There are many home refrigeration units on the market for storage of wine, but most of these are of rather limited capacity and unlikely to meet the needs of a serious collector. However, these units can be a good part of a storage solution - allowing a small sampling of the collection to be kept at the home while the bulk of the wine is stored off-site in a secure facility.


A final option is the installation of built-in or free standing wine rack in a room of the home. The problem here is that the wine will not be stored at optimum conditions since most people do not want to maintain their home at 55 degrees. Thus, for valuable wines, this should only be a short term solution for wine ready to be consumed in the near future.


For collectors of valuable wines with long term potential, the best solution is probably a combination of off-site storage in a secure facility with ideal temperature and humidity conditions, with some small amount of temperature-controlled storage in the home for those wines which are ready to be enjoyed at the peak of perfection.


By having a proper wine storage facility at your disposal, it is possible to buy cases of wine when they are first released and store them until they reach their peak. This can save significant cost compared to buying such wines aged to perfection (if they can even be found), and some collectors can sell the wines they have aged under perfect conditions and make a profit to fund further acquisitions of fine wines. Enjoy!

About the Author


James Ledwith is a real estate developer specializing in self storage. His interest in collecting fine wines led him to develop a secure, climate controlled wine storage facility called Marin Wine Vaults in San Rafael, CA which is close the Napa and Sonoma wine country. He can be reached at http://www.MarinWineVaults.com

A synopsis on Wine Developers.

Wine Storage Options for Serious Wine Collectors


Wine asset management, as serious wine collecting and storage has come to be known, is available in a variety of configurations depending on what a wi...


Click Here to Read More About Wine ...

Featured Wine Developers Items

Winekeeper Wine Preservation Stopper Dispenser


Extra Stopper Dispenser for Wine Keeper. Order extra to keep as many wines opened and preserved as you like. Store stopped bottles in the refrigerator.


Price: 29.95 USD



Headlines on Wine Developers

Festivals on the German Wine Route

Tue, 25 Mar 2008 20:53:32 -0700
The German Wine Route in the Palatinate wine region is known for its charming wine villages, wine festivals (Weinfeste), castles and Roman fortresses.The Wurstmarkt (Sausage Festival) in Bad Duerkheim in September and the German Wine Harvesting Festival in Neustadt, where the German Wine Queen is crowned, are visited by hundreds of thousands.

Thorn-Clarke Shotfire Quartage 2006

Mon, 24 Mar 2008 14:09:03 -0700
The Thorn-Clarke Shotfire Quartage is always an elegant style of cabernet for the Barossa Valley and I suspect there s a fair bit of high-altitude fruit in it. the dark-berry flavours are explosive and the wine combines elegance with power. Oak plays a secondary, supportive role and the fruit has brightness and great charm.

The Verandah Cafe Singapore

Fri, 22 Feb 2008 10:35:56 -0800
Inspired by the atmosphere of the European cafés that we visited during our flying days, we decided to create The Verandah Café @ Asian Civilisations Museum - a place that exudes a quiet charm and relaxing ambience, a place that our customers can indulge in food, drinks, wine, art and music all under one roof.

Sunny Acres Bed and Breakfast

Sat, 09 Feb 2008 20:03:17 -0800
The B&B offers a refreshing mix and taste of old Southern charm and modern Wine Country hospitality, with a personal touch a far cry from the checkin-checkout hotel chains and resort monstrosities that dot the landscape.


Wine Serving

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