Now that we have come to the end of this composition on Wine Shops, we do hope that you enjoyed reading it as much as we enjoyed writing it.

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

Kosher Wine



The sommelier gives you a splash of wine and you, the host, must smell and taste the wine, with all eyes on you and all conversation halted. This only has to take moment and should not take much more than that. No one is expecting a tasting note from you or to hear what amazing nuances you find. All that fun will come later, if appropriate for your group. Right now, you are to assess that the wine is "sound or clean." A hearty swirl could in fact blow subtle problems off the nose and have them land right on your palate when you take the obligatory sip. However strong or subtle the problem, you want to avoid tasting it. Instead of swirling, simply lift the glass to your nose and take a sniff. If it smells bad you will know it and you will not want to taste that smell! The most common occurrence is a corky wine.
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Wine Jobs



For most red or white wines, two or three days is about as long as the wine will hold up before it starts to show some tiring. But Champagnes, dessert wines and especially German wine (sweet or dry) can hold up for a week or two after opening.
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Wine Yeast



Chill Champagne to approximately 45 degrees. Placing the bottle in a bucket with ice and water is ideal. Once the bottle is sufficiently chilled, cut around the bottle neck to cleanly remove the foil. Untwist the wire brace from the exposed neck and cover the cork with your thumb. Grip the cork with one hand as you slowly twist the bottle with the other. Ease the cork out as slowly as possible, releasing it with a hiss rather than a loud pop. While popping the cork may seem festive, it allows too much carbon dioxide and aroma to escape from the bottle. If the Champagne is not chilled enough, it will be very difficult to remove the cork without a violent expulsion. Place your thumb in the hollow (or punt) at the bottom of the bottle and support the bottle with your outstretched fingers. Pour the Champagne slowly into tall, flute-shaped glasses as not to create too much foam.
Try a new port tonight!

Pinot Grigio



Your Own Birthday. Treat yourself to a mixed case from your favorite region � one bottle to celebrate each month until the next year.
Treat your family to a great food and wine party!

Marvel Wine



Wedding. Give dessert wine for a sweet life together. My personal favorite is Canadian ice wine.
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Bottle marking could stop youths drinking - ic Wales

Wed, 23 Apr 2008 07:38:58 GMT

Bottle marking could stop youths drinking ic Wales, United Kingdom - 19 hours ago The scheme initially involved 110 licensed premises in Ayrshire and bottles of alcohol popular with teenagers – tonic wine, strong ciders and alcopops ...

Wine Enthusiast