Wine Investing – What Makes Investing in Wine a Good Choice?

There are many good things to say about investing in wine, especially when compared to other investment products typically available to investors. For one thing it can give fantastic yields of up to 30% a year, and has also out performed the stock market for three decades.

Wine is good as both a short term investment (one year) and long term investment (5 years) and is hedged by the fact that it is always in demand with an ever diminishing supply.

Wine is less volatile than the stock market, and is backed by a real non speculative market to be sold onto which helps keep the prices from massive fluctuations.

Wine is a tangible asset that you own, which can give you grater security to that of money invested into a fund, which may end up being used as working capital.

Unlike other investments wine has a low barrier to entry and is suitable for investors from a wide range of financial status.

Unlike stocks and shares you don’t need to be an expert to make money with investing in wine, if you choose the right merchant they should be able to give you all the advice you need to get the right portfolio up and running.

No capital gains tax in the UK, in England wine is considered as a wasting asset and is except from paying capital gains tax on the profits of your investment.

Freedom to sell when ever you like, it is fairly easy to sell on and cash in your wine investment which gives you a level of liquidity that may be lacking from other investment opportunities

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What is the Average Price of Life Insurance?

People who are in the market for a life insurance will always ask; what is the average price of life insurance? Or how much does life insurance cost. This is often ask because we all primarily look at the price or cost rather than the benefits and needs of our love ones. It is not a bad idea to ask what is the average price of life insurance but you should be more concern about what suits your needs rather than budget. An online life insurance quotes can be a good start to look for the possible prices and cost.

Determining the average price of getting insured is not really easy because you have to consider many factors. The type of life insurance can also play a role or is a factor in calculating the average price or cost of insuring. The price also depends and varies from person to person. These several factors can be factored in so you can determine what is the average price of getting insured. Life insurance companies have their own set of guidelines and policies in underwriting. This means that the cost or prices given by different insurers may differ by as much as fifty percent or even more.

These insurers will take into consideration your gender, age, occupation, health, the length of coverage, the type of life insurance, your weight and height ratio, etc. for them to come with the amount that they can charge you. Age is very important as this will determine your risk for any possible ailments and diseases. The older you are the higher you’re your premiums are. Putting all these factors and types can be a daunting job to do, but with the availability of online life insurance quotes, it makes everything a lot more easily.

There are so many sites online where you can get quotes and compare these numbers you get from many different insurers. These providers mostly offer them for free and with no obligation so you do not need to commit before inquiring and getting those quotes online that you may need. Once you obtain the figures from several insurers, compare them and analyze. Then you may calculate the average from amongst the many different insurance providers. These services are easy to do and it will save you a lot of time and money. There is no need for appointments and scheduling to see an agent to know how much is the price you are looking at.

Most online life insurance quotes sites provide a free access and use of it so now you can have an idea of what is the average price of life insurance. And can even answer the question of how much does life insurance cost. But always bear in mind that life insurance companies should be considered when planning to buy life insurance.

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Restaurant Financing – Current Options

There are still viable options for restaurant financing in the market today. Borrowers however should realize and accept that the choices have become more limited, than they where just 6 months ago. For example, most conventional and or conduit type loans for restaurants are now gone.

Instead, borrowers should be focused on portfolio lenders, i.e. banks or lenders that hold the debt on their balance sheet. This is the opposite of what we have seen in the last decade as most restaurant lenders packaged and sold their loans off onto the secondary market and thus rid themselves of the loan in exchange for a split.

Portfolio lenders can be difficult to find though. And they don’t really advertise themselves as such. Borrowers should be prepared to call many banks to find sources that are set up as portfolio lenders and that are willing to consider a special purpose property like a restaurant. Many banks are shying away from this building type. We’re occasional are asked why.

The reason boils down to the difficulty in recollecting the bank’s capital in case of borrower default. When a borrower defaults on a loan, the bank has to go through the foreclosure process, than they have to sell the property on the open market to recoup their capital. Because the building itself was designed as a restaurant it cannot adequately be used for anything other than a restaurant – thus limiting their pool of potential buyers, making it harder to sell.

As far as terms, restaurant loans are almost all now quarterly adjustable. However rates are very strong due to Prime being as low as it is (currently at 4%). We are seeing most restaurant loans in the 6%’s now. Via government sponsored loan programs borrowers can still expect 85% financing on purchases and up to 85% on refinance transactions.

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Small Business Accountants: Top Services Available

Whether you are a small business or start-up business owner one of the main worries you will no doubt face is taking care of those finances and managing the costs as best as possible. On top of running your business, managing employees, ensuring optimum results and planning for growth; as a business owner you must keep your finances in the best state possible in order to ensure that your organisation strives.

Dealing with a growing business is a lot for anyone to contend with which is why when it comes to finances, dealing with the specialist advice and support of an accountant can help. The right accountant can not only ensure that your finances stay in prime condition but help you save money and allow you the freedom to concentrate on the things that matter.

For many small business and start-up business owners however, there is often a major drawback. In an attempt to manage costs, the seemingly excessive fees of an accountant can be considered unnecessary. However there are many accountants out there who not only work on a fixed fee basis but offer a range of vital services that can give your business the fighting chance it deserves.

Below I have listed a few of the services the right accountant can offer, in an effort to keep your business in the best condition…

  • Bookkeeping- Bookkeeping is the task of recording all financial records and is a legal obligation that all businesses must comply with. An accountant can help maintain accurate and detailed records of all incoming and outgoing expenditure, records of accounts, records of cash expenses and details of business expenses.
  • Year End Accounts- Year End is a daunting prospect that all businesses must deal with however with the right accountant you can finalize your Year End accurately, review your company performance and financial forecasts and ensure that all accounts, business and personal tax returns are filed on time.
  • VAT Returns- One of the most complex issues any business owner will have to face is the VAT return however an experienced small business accountant can normally deal with the majority of the process, freeing you from the hassle. Accountants will often work with you to ensure you are registered, your return is accurately complete and submitted on time and any possible future reductions are planned for.
  • Payroll- Whether a small or start-up business, you will naturally have employees that will need to be paid. An accountant with payroll experience can keep on top of employee salaries, ensure all tax and national insurance deductions are made, ensure that PAYE submissions are made to HMRC on time and students loans, sick pay and maternity cover is accounted for.

The above are just a few of the services that the right accountant can offer. With the right fee and the right experience, allowing an accountant to deal with the above issues amongst others can provide you with the ease and security of knowing your finances are in the best possible hands and even save you time and money.

Whatever your views on cost saving; putting your business in the hands of a professional accountants could be one of the best investments you make.

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