Barefoot Wine Information Blog

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Tuesday 03/03/09 - Wine Sauces

A Featured Wine Sauces Article

Home Cellar - Mortgage repayment option from Premiercru Fine Wine Investments



Mortgage payments are a considerable cost to a household, and homeowners are searching for ways to save money. Running an investment plan alongside an interest only mortgage can considerably reduce costs in the long term, and Premier Cru Fine Wine Investments believes that Fine Wine acts as an ideal investment vehicle for mortgage repayment.
To meet the growing needs of homeowners, Premier Cru Fine Wine Investment has today launched a Fine Wine Investment Mortgage Repayment Product, branded 'Home Cellars', which uses fine wine as the repayment vehicle, alongside most interest only mortgages
Key points include:
* Potential to significantly reduce costs compared to Capital Repayment schemes (see below);


* Investment is tax free and not assigned to the mortgage lender;


* Growth in Fine Wine generally exceeds standard investments (see graph)


* Long history of stability in the Fine Wine investment market;


* Investment is flexible allowing the holder to adjust monthly payments to suit financial needs; and


* Life assurance is a separate term insurance, meaning holders do not lose cover if the wine investment is temporarily stopped.


Comparison of Capital Repayment Mortgage vs Interest Only with a Fine Wine Investment Vehicle
This comparison is based on a 35 year old non smoker with a ?250,000 mortgage at 5.45% fixed for the term of the loan. Wine fund growth is at 10% p.a with no growth for first 3 years, including 1.5% p.a management fee. Source: Fiscal Concepts Mortgage Brokerage.

About the Author


by Jo Adams for Fabweb Internet Services on behalf of Premier Cru Fine Wine Investments Limited

A synopsis on Wine Sauces.

Home Cellar - Mortgage repayment option from Premiercru Fine Wine Investments


Mortgage payments are a considerable cost to a household, and homeowners are searching for ways to save money. Running an investment plan alongside an...


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2:34 PM

March 2009 - Wine Type

Wine Type For Your Reading Pleasure

Cabinet Solutions for Preserving Wine



Specialized storage cabinets offer a unique method for preserving those special vintages. Simply put, you no longer have to buy big, bulk independent storage units.


Cabinet Solutions for Preserving Wine


An investment in a wine collection is no small thing. Individual bottles of wine can cost thousands of dollars. If you have a large collection, you may have spent tens of thousands of dollars stocking your favorite varieties and vintages. With an investment like wine, the worth of your collection has the potential to keep growing - but only if you store your wine in a proper way. Wine cabinets are an excellent way to make sure that your wine collection matures correctly.


There are several factors that you should look at when choosing among the many wine cabinets available. Most homeowners and wine enthusiasts today don't have the ability to create their own wine cellar in a basement or other cool, moist place - but this is the ideal environment for aging wine, known as crianza. To that end, wine owners should look for cabinets that replicate this type of environment as closely as possible.


A good wine cabinet will allow you to store your wines at an ideal temperature, which is between 59 and 61 degrees F. If your wine is kept too chilled or too warm, it will not age and mature properly. Good wine cabinets will also allow you to have a controlled amount of moisture in the air - an optimum amount of moisture allows the wine to mature, and this amount has been calculated to be about 70 percent humidity.


Some wine cabinets allow for the first two conditions to be met without issue - most wine cabinet manufacturers install thermostats as well as humidity controls so that you can make sure your wine is getting the right atmosphere. These aren't the only considerations, however, that you should make when choosing a cabinet. It's also a good idea to choose a wine storage system that allows your bottles to stay stable with little to no vibration to disturb the sediment in the wine. The natural way that wine ages is usually in a still place, and the vibrations from compressors found in some cabinets can disturb the wine.


Choosing the right storage method for your wine investment is nearly as important as choosing the correct vintages to purchase. Wine that is aging is considered by some to be a living thing, and because of this, it needs the utmost care.

About the Author


Xavier Moldini is with WineriesforYou.com - a directory of wineries.

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