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Morgan Stanley, an acclaimed global financial company, recently stated in a report that in 2012 the wine supply on a global level merely exceeded demand. As far as the pace of wine production is concerned, they additionally highlighted that a shortage will soon forestall the market. The statement is trying to suggest that now it’s the best time to stockpile wine in order to avoid paying for it later on. It’s time to invest in wine France is not the only country that’s suffering from an upward whine shortage. The whole world is going...

Whether you are a First Time Home Buyer, or looking to make an upgrade into the home of your dreams, your front-end and back-end ratios play a large role in how large of a mortgage you qualify for.  There are two ratios that are calculated to determine how much new debt (Mortgage Amount) you can service or afford to pay.  In the residential finance industry, these ratios are called your front-end or housing ratio, and your back-end or expense ratio. The housing ratio is comprised of the monthly expenses of owning a home, which is your...

Once you have read a beginners guide, you should really start looking into an intermediate and advanced persons guide. This is because you should not take your money lightly. If you do, then investing is not for you. People will happily throw away $15 on a takeaway, not realizing that they had to spend 1-2 hours at work in order to earn that money. Would you rather have a takeaway or two hours at work? Before you start reading this article, consider how seriously you take your money. Being tight is not being careful and impulse buying...

We’re almost nearing the end of the year, a highly anticipated moment for most employees because of the year-end bonuses they’ll be receiving from their companies. As such, most people are already trying to think of the best types of investments they could pick. Today, let’s look at some of the common things people invest in and find out if each one is really worth the money. Car Possibly the most common investment to aspire for is a car. Having your own car means no more rides on public buses. No need to put up with traffic on...

If you feel like it’s getting pretty expensive to keep your home warm in the winter, you’re not alone. According to the Energy Star program’s website, the average single-family household in America spends $2,200 a year on energy bills, and 29 percent of that goes to heating alone. (Summertime cooling expenses eat up another 17 percent.) We’ve all heard the standard advice to update the smoke detector, insulate windows and invest in a programmable thermostat — and maybe you’ve even squared away those tasks....

Stock market trading is an activity that can bring huge profits or entail large losses, depending on the trader’s experience, knowledge and competency. Trading stocks implies, besides the common elements of technical analyze used with other instruments like currencies or commodities, an in depth knowledge and research concerning the stocks you want to trade with and their related industry. If trading commodities or Forex involves macroeconomics, trading stocks involves also microeconomics and supplementary data, increased risk and attention. Do...

When it comes to buying a car, you can’t take chances. After your house, your car purchases are some of the most expensive purchases that you’ll make. It’s important to make a good decision when it comes to financing because, if you’re like most people, you’ll be paying for that purchase for 3-5 years, and sometimes up to 7 years. Here’s how using a car purchase calculator can help you. Find Out What You Can Afford The most important factor in purchasing a vehicle is determining your budget. Although...

Relocate to a new home or renovate? Old vs. new? These are questions many homeowners wrestle with. With mortgage interest rates at historic lows, many homeowners decide to finally build their dream homes — brand new. Others decide to renovate their existing homes or buy fixer uppers. Whatever your decide, there are pros and cons. Before you invest time, resources and money into renovations or sign a purchase contract for a new home, here are some factors you should consider before making a decision. The Arguments for Renovations Costs:...

If you’re a real estate agent, you’re probably looking for ways to boost your real estate sales.  The best real estate agents quickly learn that there is no quick and easy “formula” to replace good, old-fashioned hard work.  While many real estate agents sell houses based on being good salespeople or having exuberant personalities, it’s your work ethic and understanding of the clients that will ultimately sell houses.  Here are some of our best real estate sale techniques: Have a Consistent Work Schedule It’s tempting to...

Whether you are a contractor, self-employed or a business owner, you may have found the task of getting a mortgage isn’t an easy one.  Since self-certificated mortgages were outlawed by the Financial Services Authority (FSA) in 2012, many self-employed workers have found proving their income to the banks and mortgage lenders has been difficult. After approaching the banks and traditional mortgage lenders and facing this difficulty, many people are now asking, how do I get a self-employed mortgage? Overcoming the self-employed mortgage...