The Life of a British Homeowner – In Numbers

Jack Peat

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11 April 2017

The Life of a British Homeowner – In Numbers

The average UK homeowner moves out of their parent’s at 21, lives in seven houses and spends £26,295 on redecorating over their lifetime, according to new research.

And the typical mortgage will take 20 years and nine months to pay off – costing a total of £134,864.82 in the process.

Homeowners will end up living approximately 66 miles away from their childhood home on average – and will only live in TWO cities their entire life.

While a total of £14,138 will be spent on hiring removal vans, paying the legal fees and paying the stamp duty during the typical Brit’s lifetime.

UK adults will reside in two rental properties before getting on the property ladder for the first time.

The research of 2,000 UK homeowners was commissioned by Origin, manufacturer of bespoke aluminium bi-folding doors, residential doors, windows and blinds.

It looked at the different stages of property buying for the average British homeowner and how property aspirations change over time.

Ben Brocklesby, Director at Origin, said: “With the cost of moving so high, we have seen that families now choose to improve their current homes, rather than move.

“Many years ago, a home would be for life, but that changed and people started moving as their needs changed – whether it be as a result of new job or starting a family.

“However, today we are seeing a resurgence of people choosing to renovate and improve their current property so it fits with their needs without incurring moving costs.”

Typically, it takes four months and three weeks to get settled in to a new home – while over half of adults described moving home as the most stressful thing they’ve ever done.

On average, respondents will contribute towards two separate mortgages over their lifetime, and will typically look to downsize age 56.

The average UK property is estimated to be worth £249,127 on average among those polled – while the typical mortgage is £542.41 per month.

Of those who have ever had a mortgage, 39 per cent have paid it off, with the largest proportion of them – 27 per cent – aged 55 and over.

More people – 29 per cent – live in properties built before the 1950s than from any other period.

The average UK home has three bedrooms, while eight in 10 adults own a home with off-road parking and over half own a house with a garage.

The most popular style of interior is ‘modern’ followed by ‘English country’ and ‘minimalist’.

Seven in 10 homeowners jointly own their property with their partner and a fifth received money from their parents to help them get on the property ladder.

A third of home owning Brits currently live in a semi-detached property, over a quarter live in a detached house and 15 per cent live in a terraced home.

The research also explored what UK homeowners of different demographic groups consider to be most important about their homes.

House Prices Increase to 5.8% from January to February

Sam Allcock

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11 April 2017

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House Prices Increase to 5.8% from January to February

According to the Office for National Statistics, house prices in the UK rose by 0.5% from 5.3% in January to 5.8% in February.

It comes as figures from banking providers such as Nationwide have indicated that they think the growth in house prices is slowing down, showing signs that the economy is taking steps to repair the property market.

The figures show that the average price of a property in the UK amounts to £217,502; a £12,000 increase on the average from 2016.

Unsurprisingly, London was the region with the most expensive properties with the average price being £475,000. The most expensive borough to live in was Kensington and Chelsea, where the average price was a staggering £1.4 million.

Regions towards the Eastern tip of England experiencing an average 10.3% uplift year-on-year but despite this large jump, North-East regions are experiencing growth on the other end of the spectrum. Here, prices are rising by just 2.2%; a dramatic difference.

Properties in Scotland have seen a 3.1% increase over the previous year, whereas Northern Ireland has experienced a 5.7% increase over the same period.

These slower property prices align with the Council of Mortgage Lenders (CML) reported a strong borrowing trend throughout the first two periods of this year. They mentioned that borrowing throughout this period was the strongest it had been for ten years:

“Seasonal factors traditionally keep the market quieter in winter months, but 2017 began relatively strong on the house purchase side. Borrowers took out more loans to purchase a home in the first two months of 2017 than any year since 2007.”

CML reported that more loans were taken out during this period (£93,200) than there was in the financial crisis.

An increase in the number of people purchasing their first property was a factor in this, along with the fact that a decreasing number of homeowners require a new mortgage.

Oldham Director Found to be Selling Illicit Diesel Fuel is Handed a 6-Year Ban

News

Sam Allcock

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10 April 2017

0

Oldham Director Found to be Selling Illicit Diesel Fuel is Handed a 6-Year Ban

The director of a company in Oldham has been handed a disqualification for a total of six years, meaning that he is unable to take part in the management, formation or promotion of a company or limited liability partnership until the order has been served.

Muhammed Farooq Saeed, the sole director of SFS (Oldham) Limited, ran the fuel business out of a petrol station in Oldham, Greater Manchester. However, Mr. Saeed was found to sell diesel which had not beared duty on the full rate throughout the period between 26 March 2013 and 13 March two years later. This caused SFS (Oldham) Limited to suppress the sales of illicit fuel and after an assessment completed by HMRC, the company was handed a penalty which amounted to £58,344.

However, the company went into liquidation on 5 February 2016, three years after the business’ formation, with an estimated debt of £61,370 to creditors. Of this sum, £53,678 was owed to taxpayers.

Commenting on the case, Aldona O’Hara, Chief Investigator at the Insolvency Service, said:

“Company directors have a duty to ensure businesses meet their legal obligations, including paying taxes.

Neglect of tax affairs is not a victimless action as it deprives the taxpayer of the funds needed to operate public services.”

As a result of the disqualification, Mr. Saeed cannot act as the director of a company until the disqualification order has been served. He is also bound to a number of other restrictions; all of which can be found on the Government website.

Pianos, the unexpected investment

Investment

ABC Staff

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10 April 2017

0

Whether you play the piano yourself or not, the benefits of investing in one could be music to your ears. Though many piano owners dispose of their old, unwanted instruments, the right piano for the right price could prove the perfect investment.

The number of pianos is in decline

A few years ago, the press had a collective outburst about the fate of thousands of vintage pianos. The BBC published “Will your piano end up in the dump?”, which convincingly answered that question in the affirmative. The New York Times published “For More Pianos, Last Note Is Thud in the Dump”, which opened with haunting descriptions of the places “pianos go to die”. (Dumps, if you hadn’t guessed.)

These pessimistic piano think-pieces don’t appear to be based on solid numbers. Instead, the authors spoke to piano owners and expert piano movers, recycling and refurbishing trades. Their conclusions are undoubtedly negative. Thousands of pianos are going to waste — either being broken apart for the wood to be put to better use, or simply sent to those ever-threatening piano graveyards. Unlike digital pianos on MusicCritic that are made mostly of plastic and electronics, acoustic pianos are very delicate and need regular care. They add a feeling to a room. Acoustic pianos also keep the their value significantly better than their digital counterparts

This is a shame in itself, as many pianos are beautiful objects. Built before the era of planned obsolescence, there are countless vintage pianos which were crafted to last for many years, and to look and sound exceptional for their entire lifespan. This makes the piano graveyards of our society just that little bit more depressing.

As many of expert piano movers and disposal experts admitted in their interviews, though, despite all their redeeming qualities, many of these pianos are financially worthless, and they take up an excessive amount of room in the homes of a public which is proportionally less piano-literate than any before it.

Alongside the destruction of many older pianos, fewer pianos are being sold than ever before. Associated Press reported that 30,000 to 40,000 pianos are now sold annually in the USA. In 1909, that figure was 364,500 — that’s one thousand pianos a day. The piano’s decline in popularity could be put down to this generation’s preference for the instant-gratification available from mobile phones and tablets, combined with a piano’s expense. Even though buying a piano is so unpopular, it can actually be a sound financial investment. You might try Essex upright piano – get the price here.

Why are pianos still a great investment?

After the initial hysteria over piano deaths died down, one expert had a more positive outlook. Richard Reason, owner of piano auction service Piano Auctions in Bedfordshire, told the Telegraph: “If you can buy a sought-after piano which has a good name and quality build, you are buying a recession-proof investment.”

So what exactly is a “good name” piano with a “quality build”? The safe bet answer appears to be Steinway, you can buy a Steinway grand piano here. Steinway pianos have all the hallmarks of a product that is bound to keep its value. They are handmade, for one, eschewing the modern mechanical production lines that many rival manufacturers use. And the designers take care to give the pianos a classic look.

Between 1976 and 2001 the Steinway Model D Concert Grand Piano doubled in value. Adjusted for inflation that’s a 2.9% increase year on year. That’s better than other luxury items like Rolls-Royce Silver Seraphs or cases of Dom Perignon.

Piano investment tips

As with any investment, there are many things to bear in mind should you choose to invest in a piano.

Choose the piano model carefully While the above study proves Steinways are a safe bet, taking a chance on a lesser known but high quality manufacturer could be even more worth your while.Once you settle on a make and model, you will need to transport the piano from the seller’s premises to your home (or office or concert hall). The process of moving a piano, particularly a large one, is difficult and can cause damage to the model, thereby lessening its value and ruining your investment.
Transport the piano with professionals If you are especially concerned about keeping the instrument in pristine condition, as you should be, it is advisable to use a professional removals company. However you should only contact ones with significant experience transporting your exact piano type and the best possible equipment for its relocation; for example, AnyVan’s piano removal team have a “specialist fleet” as well as “temperature control and lifting equipment”, meanwhile G&R Removals have endorsement from the Royal Academy of Music and are “founder members of EPIMA the European Piano Movers Association”.
Keep the piano in good conditionOnce your piano is home, you must continue to keep it in excellent condition. Try following these piano maintenance tips from Total Piano Care. For example, keep your piano away from sunlight, moisture and air currents to make sure the wood does not warp.

Finally, perhaps one of the biggest advantages of investing in a piano is the fact that you can play it. As long as you don’t hammer it too vociferously, playing your piano regularly will make it truly a joy of an investment. Who knows, perhaps you will choose not to sell it in the end after all.

Restaurant Director in Colchester Receives an 8-Year Disqualification

News

Sam Allcock

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7 April 2017

0

Restaurant Director in Colchester Receives an 8-Year Disqualification

The director of a restaurant based in Colchester has been handed an eight-year ban on becoming the director of a company or taking part in the formation, promotion or management of a limited liability partnership, starting from 11 April 2017.

Moulana Mohammed Abdul Goffar Khan, the director of Colne Valley Restaurant Limited, was found to employ one illegal worker, failed to keep accurate records of the company’s accounts and understated the business’ profits in order to pay a lower tax rate.

The discovery comes after an investigation by the Insolvency Service – who were notified after officers working for the HMRC visited the premises in Colchester – discovered the mis-matched accounts. Their investigations also found that the company had been recording their sales as underpriced and ingredients as overpriced in an attempt to receive a lower tax bill.

Robert Clarke, the Head of Insolvent Investigations, commented:

“The director sought unfair advantages over his competitors by failing to ensure that profits were properly recorded and by employing individuals who did not have the right to work in the UK, in breach of his duties as a director.”

The director sought unfair advantages over his competitors by failing to ensure that profits were properly recorded and by employing individuals who did not have the right to work in the UK, in breach of his duties as a director.”

The Home Office Immigration Enforcement also visited the premises of Mr Khan’s restaurant company on 4 October 2013. It was then that the employment of an illegal worker was uncovered, and Mr Khan was handed a penalty of £5,000. However, the penalty fee was unpaid and the company went into Creditors Voluntary Liquidation on 19 May two years later with no assets, and liabilities amounting to £38,514.

Mr Khan is under the disqualification for eight years, meaning that the ban will be lifted in 2025.

Take Your Pick! More Online Payment Methods, More Flexibility!

Finance

Sam Allcock

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6 April 2017

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Take Your Pick! More Online Payment Methods, More Flexibility!

Make an Educated Choice When Picking the next Payment Method

The transition from brick-and-mortar shops to their online counterparts was faster and smoother than most people anticipated. Internet vendors are more competitive in terms of prices and can now ship the items ordered in a matter of days and sometimes hours. Competition is intense, but then again the Internet is such a big place that anyone can have a slice of the cake. The advent of modern payment methods acted as a catalyst for the online marketplace and shoppers can now use plenty of financial instruments.

Paypal was among the first electronic wallets and quickly emerged as the preferred way of transferring funds online. Initially dismissed as a gimmick it grew fast and for a while it had no serious competition among online shoppers of goods and services. In this line of work however, change is the only constant and there are now plenty of Paypal competitors to choose from. The result is a financial ecosystem in which money is transferred faster, with minimal costs and fewer risks.

The Internet Can Be a Dangerous Place

The convenience of shopping online and paying for goods and services from the comfort of one’s home is self evident. The accelerated growth of the Internet financial market hasn’t gone unnoticed and cyber criminals are now a serious threat. Bad guys don’t take breaks and they always try to come up with a way of stealing funds and sensitive information. Identity theft can be just as harmful as funds being stolen and people need to take every precaution available.

The two factor authentication advice given by security industry leaders makes perfect sense under these circumstances. It’s never wise to put all your eggs in a single basket, especially when a single mistake can lead to disaster. By protecting the email with a strong password and also a code sent to you via phone, you can greatly reduce the risks. It goes without saying that sharing passwords and disclosing security questions to third parties is a ruinous mistake.

Stay Safe and Thrive Online

As stated above, there are certain risks that people should be aware of when going online for shopping, entertainment or work. This doesn’t mean that you should put your tinfoil hat on and avoid the Internet altogether. In fact, you can boost your personal finances with a minimal effort by taking advantage of the numerous opportunities presented by the online marketplace. Buying and selling products, being paid for services and even for filling out surveys are all smart ways to make some residual income.

Even playing games can be a lucrative activity if you are good at what you’re doing and practice your hobby in the right place. Some people make money for playing video games at a professional level, others thrive in online casinos. In any case, they need to find a classic casino payment option that is perfectly safe to use, has no hidden costs and is decently fast.

What you may have missed in the last ever Spring budget: inheritance tax

Sam Allcock

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6 April 2017

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What you may have missed in the last ever Spring budget: inheritance tax

On 8th March, the Chancellor Philip Hammond delivered on what had been promised to be a ‘boring budget’. Despite supposed breaches of the Tories’ manifesto commitment with a proposed increase to the rate of National Insurance for the self-employed (on which the Government has since performed a u-turn), there really wasn’t much in his hour-long speech that hadn’t been pre-announced.

Hammond’s decision to scrap the Autumn Statement and Spring Budget in favour of just one fiscal event a year—an Autumn Budget—has been described as a welcome shift away from ‘government by headline’. But amidst an attack from the opposition that Hammond should spend “less time writing stale jokes…and the Prime Minister less time guffawing like a feeding seal”, there’s something you may have missed: reform of inheritance tax legislation.

What are the proposed changes to Inheritance Tax?

Duties on inheritance have long been a delicate topic, made more confusing by the historical changes to its name. What was once legacy duty became succession duty, followed by estate duty, death duty and capital transfer tax. Regardless of name, the now-called Inheritance Tax (IHT) last year came out as the most detested of taxes, according to a poll conducted by left-wing thinktank the Fabian Society.

New details for changes to IHT were outlined in the 2017 Spring Budget regarding tax legislation and rates, first introduced by then-Chancellor George Osborne in 2015. From April 2017, the plan to cut inheritance tax will see the threshold value on which each individual will be required to pay increase by £175,000.

By 2020, this means a couple in a £1 million home will avoid paying any death duties at all, while the biggest beneficiaries could see a £140,000 reduction in their inheritance tax bill.

What does this mean for inheritors?

The Conservatives’ overhaul of inheritance tax has long been criticised for failing to relieve distortions in net wealth distribution between those who work and those who inherit. Now, commentators are debating whether IHT will “worsen the north-south divide”.

People inheriting homes in constituencies in London and south-east England will disproportionately benefit from the tax cut, where 96 of the 100 constituencies with the highest number of property sales over £650,000 are located, according to research commissioned by Labour MP Rachel Reeves. It’s clear these reforms fail to achieve much in terms of rebalancing the distribution of wealth.

It’s no wonder that there have been repeated calls for reforms to the increasingly toxic and inadequate system of inheritance tax. Exemptions such as the seven-year rule mean that the tax now yields a paltry £4.7bn, less than is raised by car tax.

But despite lowering the threshold, the Office of Budget Responsibility (OBR) now believes that inheritance tax will raise £1.8 billion more for the Treasury than was forecast last November. The calculations were buried in the Office’s biannual analysis of the economy, which was published alongside the Budget. Rising house prices and a boom in the stock market were named as the causes of the increased haul.

Could redistributive taxes from inheritance be realised in probate?

As we continue to hear calls for unearned, unmerited and largely untaxed wealth to be captured in some way or another, changes to probate are coming in that may do just that.

Probate is now being called the ‘new inheritance tax’ for large estates. Probate, otherwise referred to as a ‘grant of representation’, is a court order that gives a representative the legal authority to deal with a deceased person’s affairs. One purpose of probate valuations, prepared in accordance with HMRC guidelines, is to ascertain whether or not IHT will be payable on the estate and, if so, how much will be charged.

In tandem with reformed Inheritance Tax, new probate charges are set to come into effect this year. A government consultation has indicated that probate court fees, which are currently limited to a maximum of £215, are to be set on a new “sliding scale” which could see some people having to pay up to £20,000 on properties valued over £2 million.

No exact date has been given for the new structure to be in place, but the Ministry of Justice has confirmed that the Government will bring forward the plans in May 2017.

What does reform to Inheritance Tax mean with regards to Brexit?

One thing the new reforms fail to acknowledge are changes to home ownership structures in the wake of Brexit. KPMG recently reported that they would welcome a delay to the introduction of new rules, which now make IHT chargeable on all UK residential property for non-domiciled individuals, whether they are resident in this country or not.

In order for the UK to maintain its status as an attractive location for both British and overseas high net wealth individuals to invest, Greg Limb, head of KPMG UK’s private client team, says the government needs to focus on introducing changes that welcome non-domiciled investors. In the wake of Article 50 being triggered, it is more important than ever for the long term health of the property market to encourage property investors from abroad.

The Spring Budget’s blink-and-you’ll-miss-it proposal for Inheritance Tax reform, and the coming changes to probate, are tales of two halves. While neither makes considerable progress in the way of a significant redistribution of wealth, both have the potential to damage incentives for high net worth and non-domiciled investors to invest in property here in the UK.

Spot the best bargain in this mind-boggling puzzle

Finance

Jack Peat

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6 April 2017

0

Spot the best bargain in this mind-boggling puzzle

Everyone loves a bargain, but how many can spot the best deal?

This is the latest mind-boggling puzzle to leave people scratching their heads – but which of the 20 bargains will save you the most money?

TopCashback.co.uk and Carphone Warehouse commissioned the image to mark the launch of the Samsung S8, and will be offering £75 cashback on all new contracts and upgrades purchased through the cashback site during the pre-sale.

A spokesperson for TopCashback.co.uk: “We all love a bargain, but with so many different types of deals out there, it can sometimes be difficult to work out exactly how much you are saving.

“Money off, BOGOF and 3 for 2 deals all sound great, but some will save you more money than others.

“It’s worth taking the time to double check which offer is the best and looking to see if there are ways you can save even more money such as cashback.”

Biggest bargains

PRINTER

£150

66% OFF

=£51

FRIDGE

£2000

60% OFF

= £800

CHOCOLATES

£12.64 each

BOGOF (50% off)

= £12.64 for two / £6.32 EACH

PET INSURANCE

£5.99 PER MONTH (10 MONTHS)

50% OFF

= £29.95

COACH TICKET

£29.78

£12.99 CASHBACK (44% off)

=£16.79

TRAIN TICKETS

£39.99

£15.25 CASHBACK 38% off

=£24.74

HOTEL

£400

37% OFF

= £252

BLU-RAY

£11.75

3 FOR 2 33% off

= £23.50 for three / £7.83 EACH

LOTTERY

£8.78

3 FOR 2 33% off

=£17.56 for three / £5.85 EACH

FLOWERS

£29.99

£7.50 CASHBACK (25% off)

= £22.49

TRAVEL INSURANCE

£28.98 each

BUY ONE GET ONE HALF PRICE (25% off)

= £43.47 for two

DVD

£7.50 each

BUY ONE GET SECOND HALF PRICE (25% off)

= £11.25 for two

FLIGHT

£395

22% OFF

= £308.10

TOASTER

£39

15% OFF

= £33.15

SMARTPHONE

£700

15% OFF

=£595

BROADBAND

£30 PER MONTH (12 MONTHS)

15% OFF

= £306

CAR INSURANCE

£29.99 PER MONTH (12 MONTHS)

15 % OFF

= £305.90

GAMES CONSOLE

£326

12% OFF

= £286.88

LAPTOP

£674

11% OFF

= £599.86

BREAKDOWN COVER

£12.99 PER MONTH

5% OFF

= £148.09

4 Simple Ways You Can Make Money Online

Finance
News

Sam Allcock

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6 April 2017

0

Technology has opened the doors for so many things – including increased opportunities to make money. There are many perks to making money online from its flexibility to giving you the ability to work from virtually anywhere. Whether you hope to make extra cash or dream of leaving your day job, there are several avenues to explore.

Here are four of the most popular ways to make money online.

Blogging

Do you have a knack for writing? Then starting a blog could be for you. You can write about anything from your everyday life, children, cars, recipes, or more – the options are endless. Try to find a niche or something that sets your blog apart from all of the others out there. Blogging can initially take a lot of work, as you must build a following. After your initial effort, your blog can easily generate a large amount of money if it is done correctly.

Sell Items

Do you have extra items around the home or have friends that do? There are several outlets available online that allow you to sell both new and used items. Sites such as eBay and Craigslist are a couple of the most popular places that can be utilized for selling things – there are even mobile apps like Letgo that make listing as easy as snapping a photo with your smartphone. They make it possible to easily post photos and price your items so that people around the globe can purchase them. If you are crafty and prefer to create merchandise to sell, then Etsy could be a great website to market your creations. Etsy allows your items to be on display 24 hours a day, seven days a week to a large population of shoppers. Internet sales are much more powerful than relying only on brick and mortar locations.

Playing Poker

You can make money playing poker online? The answer is yes! Although playing poker online is not a sure thing for everyone, some players have found great success. One major benefit of playing poker online is that you can save money and time by playing from the comfort of your own home anytime of the day instead of paying to fly to and stay in Las Vegas. You may find you’re so good that you enter tournaments at your local casino to win the mega bucks like Jennifer Shahade.

Video Tutorials

If you have a hobby or niche you are interested in, then try doing video tutorials on a site like YouTube. There are tutorials online for everything from makeup application to home repair. All it requires is creating videos and posting online. Although it can take time to build a following, once you do, you can expect income to start flowing in through pre-roll ads.

The possibility of making money online is exciting. What is even better is that there are so many options available that allow you work on things you are truly passionate about. Whether you love online gambling, writing or blogging, or prefer to sell items online or display your talent on video tutorials, the Internet provides you with a great way to make money. Generating an income has never been easier, thanks to the Internet.

Steer Clear Out of DUI Charges with the Houston DWI Lawyer Services

Business

Sam Allcock

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5 April 2017

0

Steer Clear Out of DUI Charges with the Houston DWI Lawyer Services

It’s the fear of DWI cases and how the sergeants may arrest you for even the smallest traces of alcohol in your breathe that actually worries so many people in Texas. That makes many dread the law, and it’s definitely good if the threat for punishment and penalty can keep the law and order of a place. Yet, a lot of drunken driving cases get reported and filed in Houston. And if closely studied,many of the cases are not exactly due to a fault of the driver but rather a confused situation. Sometimes drivers are drunk, but not intoxicated. And when a driver is not intoxicated, he cannot be arrested for the breach of law. And this is where many police sergeants may go wrong.

How a wrongful arresting for DWI can affect

Wrongful arresting and charges may put the name, reputation and careerof person at stake, and may ruin many things for the person if he cannot get a chance to defend himself on time.Earnings of the person may stop, the job may get terminated, and he may be penalized monetarily or may have to spend much of this time in jail. These can affect the flow of life heavily and do serious damages to the life and career and the dependent family. Thus one must know what it takes to get arrested for DUI or DWI in order to understand if he was really at fault, and if he may get justice and help.

When you should get arrested for DWI

One may drink little and drive. Drinking does not take a person’s full senses away and send him to such state where he will be crashing and colliding with every object on his way. There is a limit or level up to which alcohol in the breath, urine or blood, can be allowed. It is only after you cross this limit that you are deemed intoxicated by alcohol. And if you are caught in an intoxicated state while driving, and will be rightfully arrested under DWI or DUI charges.

When you would need help

Sometimes it happens that due to amedical condition, some tension or anxiety, or due to the nervousness, the driver surveyed by police may look more drunk and intoxicated than he actually is. And the sergeant may deem him intoxicatedas theDWI tests also may show tainted results and give an impression that the person is intoxicated. To save one from the charges, and help the convicted come out of the bars and clear of all charges, you need the Houston DWI Lawyer services.

The Houston DWI lawyer can help you get out of the jail, and come clean off the charges by proving your innocence, or making a case that will make you pay the minimum penalty and save your precious time, career and reputation. The worst that may happen to a convicted is loss of earnings due to being behind the bars. And the lawyer services will save you from the disgrace, harassment and losses by fighting in your favor with their knowledge, experience and expertise that has helped many like you in DUI cases in Texas.

The number of pianos is in decline

Why are pianos still a great investment?

Piano investment tips

Make an Educated Choice When Picking the next Payment Method

ABC Money 2025 - 1st Edition