A Cheap Wines Artilce for Your Viewing

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.

A Short Cheap Wines Summary

All About French Wines


Although France is not the world's biggest producer of wine, it produces the most amount of wine by value. Many connoisseurs consider French wines to ...


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Cheap Wines Products we recommend

Moro Cuvee Barrique


Wow!!! I have never tasted a wine like this. "Moro" is a rare red coral from the Caribbean. Rudolf Geil has selected this beautiful creation of nature to describe his own specialty. This is a blend of Dornfelder, Dunkelfelder (rare variety), and Spatburgunder (P. noir). Tons of dark, ripe fruit, which has then been aged in new French oak barriques. The wine was bottled with a reasonably high amount of residual fruit. This reminds me of a fine Italian 'Recioto di Amarone', with its sensual texture and aromas of ginger, cloves, and other exotic spices. This wine is destined to become another Rudolf Geil "legend"! MOH02 MOH00


Price: 39.99 USD



News about Cheap Wines

OMG, how dangerous: Dutty Wine

Thu, 29 Nov 2007 09:36:28 PST
Don't attempt the Dutty Wine unless you're more coordinated than this woman. RELATED: Teenage Boy does the Dutty Wine in his bedroom

Shaggy returns with his new album, Intoxication

Thu, 13 Dec 2007 08:39:43 PST
Dec.11th, 2007 Dancehall superstar Shaggy returns with ‘Intoxication,’ out now in stores on Big Yard/VP. With over 20 million albums sold worldwide, ‘Intoxication’ is full of bangers sure to make the club jump off from Kingston to Flatbush. Before becoming a multi-platinum, Grammy-winning superstar, Shaggy was a Jamaican teenager sneaking out of the house to rub-a-dub at the club, and ‘Intoxication’ proudly displays these “While creating the album I wasn’t signed to any particular label so I

PLEASE LET ME GET WHAT I WANT

Thu, 13 Dec 2007 15:29:37 PST
+ Man and Wasp - New band with members of Frodus and Darkest Hour and some other popular bands, Sounds like Frodus meets Time in Malta. I want to get into hardcore again! + PETA x Eva Mendes + Dollar Bin Jams Online Blog T2 HEARTBROKEN (OFFICIAL VIDEO) Add to My Profile | More Videos Bass line is basically blowing up here in NYC, at least it is with the crew. or it feels like it, and also really big on the internet. T2 is becoming a household name and the next UK to stateside darling, alo

A Buffet of thoughts for ya...

Sun, 16 Dec 2007 16:46:03 PST
Step right up and fix a plate folks! Hope everyone is enjoying the Christmas season, and I hope everyone has gone Christmas shopping. Being a part of Broke Phi Broke, I have to think of new and innovative ways of gift-giving for folks. So when Bored-at-Work from C+D emailed this to people as an idea, I loved her and hated her for this at the same time: My dear friends and family, Somewhat embarrassing to admit, I'm not getting a bonus and Christmas is really tight this year. I will be makin

T's Drink Up #2

Tue, 18 Dec 2007 15:44:04 PST
S and I arrive at T's about five minutes later and buzz him, he looks out of the window and grins at us then buzz's us up. We take our tie walking up to his apartment and push his ajar door open and head into the living room that is full of around 17 men and three girls. Gang Bang Is all I can think as we walk in and let T take our coats and put them in his room. He takes my arm and leads us into the centre of the living room. Introducing us to everyone there. Two of the three girls glance us ov

VA-XV_Riddim-Promo_CD-2007-

Mon, 24 Dec 2007 17:22:23 PST
VA-XV_Riddim-Promo_CD-2007- ARTIST....: VA TITLE.....: XV Riddim GENRE.....: Dance Hall LABEL.....: n/a RIPPER....: -_- TEAM DATES.....: 12-22-2007 YEAR......: 2007 ENCODER...: Lame SOURCE....: CDDA QUALITY...: VBR 44,1kHz/ Joint-Stereo TRACKS....: 10 01 . Mr. Easy - She's So Fine 03:55 02 . Voicemail - Thing Set Up 03:14 03 . Doc - Dutty Wine 03:00 04 . Frassman - Fly Again 03:07 05 . Merciless - You Hot 03:38 06 . Macka Diamond - Tight 02:39 07 . Agent - Agent 03:35 08 . Arryval - Wuk Gal 03

Neighbourly Respect

Tue, 01 Jan 2008 16:33:21 PST
There is a reason why people tend to spend a little more to live in a supposedly residential neighbourhood. They are often trying to escape the general lewdness, vulgarity and noise pollution which exists in non-residential neighbourhoods. They expect a sense of peace and quite, orderliness andmutual respect among neighbours. So here we are, just after 8pm on January 1st 2008 and what do we have? We have Munga Honourable, Brick & Lace and Tony Matterhorn hollering to the top of their voice


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Labels: Wine Education | Wine Enthusiast

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Today's Winemaking Article

Semillon Grapes, The Unsung Hero In Wine

Semillon is one of the world?s leading varieties of grapes, even though it seems to always be a second tiered grape because its is usually blended with other varieties, rather than marketed on it?s own. It's extremely difficult to come up with a list of defining tastes and aromas that are characteristic of this grape, nonetheless, Semillon is still worth a second look and hopefully this extract will shed some light on this unappreciated fruit.

Semillon originally made itself at home in France, particularly the Bordeaux region where holds the title of being the majority white grape grown. Often blended with other wines, Semillon can be found in classic Bordeaux whites, as well as the sweet wines of Sauternes and Barsac. It is a rather hearty wine and easy to cultivate with consistent production of between six to eight tons per acre. It is fairly resistant to most diseases, with the exception of the fungal infection, Botrytis cinarea, also known as ?noble rot.? This is due to Semillon grapes having tightly packed bunches and relatively thin skin. If this rot attacks ripe grapes, it causes them to shrivel, and these moldy looking grapes yield small quantities of extremely concentrated juice that is then used in making mouth-watering sweet white wines of great complexity and longevity. Semillon is the key component in making these wines. In fact, Semillon grapes make up 80% of the blend in Ch?teau d'Yquem, the most expensive and famous dessert wine in the world.

While Semillon is the majority white variety in Bordeaux, Graves, and Sauternes, more grows in Chile than anywhere else on Earth. Early in the development of Australia, Semillon (often incorrectly labeled as Riesling) dominated as the major white variety, although the vineyards are mostly Chardonnay and Sauvignon Blanc today. The Hunter Valley in Australia, however, is still known for producing this grape in numbers and was one of the pioneers in the country in cultivating it. A unique minerally, lemony style is produced, which is crisp and lean when young and is made without the influence of oak or malolactic fermentation. However, the wine transformations with age, evolving into a complex, nutty, honeyed wine with great complexity and depth. Hunter Semillon is one of the few Australian white wine styles that ages gracefully over extended periods.

While it can be said that wines that are dominated by Semillon lack youthful aroma, they tend to have a fairly full body and be low in acidity. It is because of this that Semillon makes a wonderful ?second? grape in blending of wines producing some wonderful flavors. Semillon even works well when blended with the well-known loner, Chardonnay, giving richness and weight without sacrificing the aromatic delicacy.

Even though this wine may be seen as a second-class wine to many, it is hard to understand why when it is so versatile. The ability to create some of the highest quality dessert wines as well as its ability to be combined and compliment wines such as Chardonnay and Sauvignon Blanc prove that this is more than some ordinary grape. Semillon is the unsung hero of many bottles of wine, and now it?s time for this underestimated grape to shine.

About the Author:

Ken Finnigan is the CEO of Finest Wine Racks a website specializing in quality decorative wine racks and durable wine storage systems.

A Short Winemaking Summary

Gifts For Wine Lovers


If you are looking for the perfect gift you can give wine lovers, here are some gift suggestions.

The terra cotta wine cooler is perfect for enjoyin...


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Featured Winemaking Items

Grand Selection Chilean Syrah Reserve


On the smooth slopes of the Marchigue valley, influenced by unparralleled climate grow the vineyards of the Errazuriz Ovalle family, this microclimate area shares sunny days of high luminosity with cold nights resulting from the proximity of the Pacific Ocean. The soils of poor fertility produce low yields of highly concentrated rich character full-bodied fruit grape bunches. This dry red wine is a great gfit. Surprise your friends with this Grand Selection Chilean Syrah! CRGSR701 CRGSR701


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Winemaking in the news

The stronger the 'sauce,'the longer the shelf life (The Star-Ledger)

Tue, 15 Apr 2008 11:05:55 PDT
I read your column regarding the shelf life of wine. I am wondering if you can advise me the same regarding liquor. We are cleaning out my mother-in-law's house and have come across many bottles of unopened scotch, vodka, gin and rum. Some of these have probably been in there for 30 years.

Guadalupe Valley, Mexico

Tue, 15 Apr 2008 11:25:22 PDT
The weekend before last, the honey and I went to Mexico (and I'm just getting around to blogging about it now). Our friend's dad, known affectionately as Ronbo, recently bought a condo in Rosarito and graciously invited us to stay the weekend with him. Rosarito is getting peppered with more condos, and they're getting nicer -- although I suspect that construction will slow over the next few years, due to the U.S. housing slump. Donald Trump had a building going up in northern Rosarito but a

Finally! The Farrelly Bros. Get Behind That Redneck Action-Adventure!

Tue, 15 Apr 2008 13:32:00 PDT
Filed under: Comedy, Deals, NewsstandIt's been quite some time since the Farrelly Bros. have given us a gem like There's Something About Mary, Kingpin or Dumb and Dumber. Big-screen comedy trends seem to be changing; moving away from the random gross-out gags and more toward the random pop-culture references. But that won't stop Bobby and Peter Farrelly from navigating toward material they're familiar with -- and Variety tells us their latest comes from a script written by Mike Arnold and Chris

Happiness and the joy of undertaking a big project, Part II

Tue, 15 Apr 2008 14:48:59 PDT
(continued from yesterday) So I’d found this enthralling, one-of-a-kind book by J. M. Barrie, The Boy Castaways of Black Lake Island.* Now what? I was incredibly fortunate to have a friend who was as enthralled as I was -- who understood why the book is so extraordinary. We were talking about it when we came up with our unbelievably exciting plan: we’d do our OWN Boy Castaways book, with photographs of our OWN children. Over the past several months, we’ve been doing the preparation. She wr

Wales: Hills & Stuff

Tue, 15 Apr 2008 14:56:00 PDT
Wales: Hills & Stuff Posted on April 15th, 2008 So we went down to visit Wife’s Sister & family in Wales for the weekend - it was Brother-In-Law’s 40th birthday the week before, so it was an opportunity for some good food and good wine with some very acceptable company. I wasn’t going to take my bike. I mean, I had suggested that it might be nice, but Wife had said that seeing as we were only going to be there for a few days, to spend most of the daylight hours out getting sweaty &a

The New Politics

Tue, 15 Apr 2008 17:41:59 PDT
Obama has a new ad up attacking Clinton for ties to lobbyists. This is the way the Obama ad tells it: Step one: “Lobbyists donate to politicians” – asserting that Clinton has taken more money from lobbyists than any other candidate – Republican or Democrat. Step two: “Politicians defend lobbyists” – reminding viewers of Clinton’s own words, with a video clip of Clinton at a candidate forum saying she will accept campaign contributions from lobbyists because: “You know a lot of those lobbyists,


Pinot Grigio
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Labels: Liquor Cabinet | Make Wine

Posted by Larry Smithson | 0 comments