The Perils of Wine Investment


According to experts, there have been so many company failures in wine investment in the U.K. The question is, why? Well, they said that that wine is a fine investment but there are great risks in this kind of venture. If you try to check the statistical figure of the number of people who joins this investment, you will see the increasing trend. Now, take note, if you are very interested about it and you want to venture, think before you leap. There is danger in this investment most especially to the inexperienced, Twelve-By-Seventy-Five ( have put together some things to consider before you make the jump.

The cost of wine

If the profit fails to materialize, then you can at least drink it for pleasure; which means to say, do not get into the business to gain profit because you cannot expect too much in investment like this. Although wine investment is very tempting for some individuals, a person should be wise enough to find the best marketing strategies by weighing the chances and putting much hard work in marketing the fine wine. According to recent studies, this venture is risky even in experts. Sums of money is at stake here. You are not only going to find the wine per se but also spend cost on insurances, storage fees etc.

The volume of wine

For very eager amateurs, the initial step you should take is to at least buy at least two cases of any wine. Small quantities are good most especially for starters. This will give them the idea on how this venture works and it would further help them in weighing their chances in the business. If you are just starting and you spend too much on larger volumes, then you are putting yourself into too much danger. It does not make any financial sense to do this unless if your bank account allows it. An expert has once said “Collect wine as more of a hobby than an investment. Do not do it for money”. If you instill this in your head, then it would not hurt you so much in the end if it does not sell. Fine wines will always be a smart buy because it could last until 20 years ahead of them.

The quality of wine

The other hazard you should be cautious of is picking the quality of wine you are going to sell. Vintage wines is a great option but the thing is, there are suppliers who sell fake wines. Another thing to mention is, there are also suppliers who overprice their wines. Anybody who is tempted to venture should secure a trustworthy wine merchant and research to have the best buy. Also, they need to find time in examining different vintage reports and assessment on the variety of wines. Furthermore, if they are not confident enough to choose the wine themselves, then they should find someone who can give them good advises to guide them to the process.

The storage of wine

The risk does not end there. You need to find the suitable storage for your wines. Once you fail to find one, then it means a failing investment. Poor conditions can cause intense and drastic wine deterioration. What then is a suitable storage for your vintage wines? Well, to ensure the best cellar, you need a cool, dark place with no vibrations.

Estate agency leaflets: 3 Tips and Tricks to Remember


How to grow an estate agency means a lot of hard work. Today, there are various kinds of marketing strategies and styles that could help you a lot. The only thing to mention is that, it is very hard to choose what suitable strategy will fit and work for your business. Now, if you want to grow your agency in a very efficient way, then you should try estate agency leaflets.

So how exactly would you raise your sales in terms of estate? Well, a mass leaflet drop could be one of the greatest options for the business of the agency.

Online, you can find a variety of options to choose from. Typically, there are so many print companies which provide estate agency leaflets and flyer designs to boost your residential sales. In fact, these designs are patterned from unique and widespread design ideas which are effective in improving the marketing strategies of the estate agency and to gain more valuations as well. There are print companies which will offer you personalized leaflets design for you so that you would have the leaflet layout with a personal touch. You just have to say what you want and you are all set.

Estate agency leaflets on the other hand will speak volumes about your agency as a whole. That is why, these materials should mark a good impression among potential consumers.

This article would give you 3 tips and tricks on how to remember in making estate agent flyers. Here are the following comprehensive ideas you should try to keep in mind:

  1. Again, as it has been mentioned, there are over hundred thousands of individually crafted estate agent leaflets designs available in the market. Thus, you need to browse them and carefully select your ten top picks. Then, out from the 10, you need to consider more the different factors such as color, design and pattern and select the best among the 10. Be sure that the options that you have chosen are from real designers and property experts to ensure the quality to boost your marketing sales.
  2. Make use of a person who can edit and change the layout of the overall design you have chosen. The editor will easily make changes on the font style and size, colors and hues, body texts, images. In addition to this, the editor can add to the leaflet the logo of the company if you have one.
  3. If you are done with the design and the content, then the next thing that you should keep in mind is to figure out what suitable leaflet size you want your leaflets to be. Of course, the size will be according to your preference. There is a wide range of sizes and finishes for your print design. You can ask the print company what the standard size is or different leaflet samples so that you would have an idea how big the actual sizes are.

These three tips written above are the basic ones. If you bear these in mind, then it would help you out a lot as you go on with your goal of improving the marketing strategy of your estate agency.


Nest Pension Scheme is Extremely Beneficial for Low Earners


Legislation related to pension system is under reform in the world and went through some of the largest changes for the last 30 years. Companies throughout the world are being made to offer their employees a good amount in pension scheme and every business need to have in place a pension scheme in which employees can be enrolled automatically. This pension is a new scheme or a reform of existing pension plan. Businesses that does not have a qualifying pension to offer to their employee can select to use the government scheme, which is known as the National Employment Savings Trust (NEST). It is important that there should be no obligation for companies to offer the Nest pension scheme to employees.

Saving money for retirement has become extremely influential these days, and with an ageing population, people can no longer hope that the state pension will supply us with a satisfactory retirement income. Company pension schemes have been a sensible way to save money for retirement. By simply ticking a box, when starting a job, people can sign up and relax – their future is secure.

There are different kinds of company pensions (occupational pensions) that are available. Company pension scheme varies from company to company. This procedure is likely to be one of two general types – a salary related or money purchase scheme.

Salary related scheme: In this scheme, what people get, is based on their salary along with the number of years, people have been in the scheme.

Money Purchase Scheme: This scheme is based on how much has been paid into the plan and how well the cash has been invested.

NEST (National Employment Savings Trust) is a new company pension scheme, formerly called personal accounts, will be introduced as one such qualifying pension scheme. It will be focused on a target audience of low to moderate earners.

The most valuable thing to consider when people obtain a company pension is to look at what they are actually getting in return for their investment, ask lots of questions and read everything whatever they get. A company’s pension scheme is a convenient way of planning for retirement. In case, people find that their pension scheme has closed, frozen or is being wound up, it is essential to take action immediately.

Nest pension scheme provides a regular income to people in their golden years. People, when gets retire from the jobs, get the pensions by the companies through the government. These days, Nest pension scheme, is a need of every person, who want to secure his or her future. Nest is mostly used by companies for their employees that are moderate earners.

In other words, Nest is a beneficial and low cost scheme for mid stage employees. It generally creates a retirement advantage for employees. In the long term, proposed subscriptions for these schemes are 4% from the employee, 3% from the employer and 1% from the Government through tax relief. With Nest pension scheme, people have started saving for their retirement. In other words, it is the excellent way to secure the retirement age, financially.

Image Source: Productive Pensions