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Nothing to do with race or colour. You must've had bags of experience of this sort of thing. After a moment he looked up with watery eyes. They all agreed that it was the best wine they had ever tasted. One by one the little white lights along the Seine were coming on, and from the first- floor windows you could see the brightly lit bateaux- mouches passing through the arches of the Pont du Carrousel. The party moved on to a dish of game served with a more vigorous claret.? How can anyone be sure? Take this place I used to visit in Bordeaux. I got to know the winegrower there personally. That's the way to know what you're drinking. One of them was the most extraordinary story I ever heard. We were tasting, in his winery, and we came to a cask that made him frown. He asked if I agreed with him that red Bordeaux was the best wine in the world. Then he made the strangest statement. But it started its life far from the country where it was grown.'. This is the story he told them. 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Pierre was grief- stricken, but with Faniry he settled down to running the vineyard. His family, and the lazy, idyllic days under a tropical sun, were gone forever. But he was very happily married, and he was very well- off. Perhaps, he reasoned, life in Bordeaux would not be so bad. But he was wrong. It soon became obvious that Faniry was jealous. In Madagascar she had no match. In France she was jealous of everyone. Even of the peasant girls who picked the grapes and giggled at her funny accent. She convinced herself that Pierre made love to each of them in turn. She started with insinuations, simple, artless ones that Pierre hardly even recognized. English Short Stories for Beginners : Many Short Stories are here for your enrichment. These English short stories for beginners have been collected from diverse sources. We formed a team of experts who are entrusted with the responsibility of collecting these. Here's our latest English reading article. Read the story first, then take a look at the vocabulary notes at the bottom if you need to. There's plenty more reading practice in our free weekly English lesson - packed with help writing and speaking English. This is the second guest post by Isaac. Then she tried blunt accusation in the privacy of their bedroom. When he denied that, she resorted to violent, humiliating denouncements in the kitchens, the winery, the plantations. The angel that Pierre had married in Madagascar had become a termagant, blinded by jealousy. Nothing he did or said could help. Often, she would refuse to speak for a week or more, and when at last she spoke it would only be to scream yet more abuse or swear again her intention to leave him. By the third vine- harvest it was obvious to everyone that they loathed each other. One Friday evening, Pierre was down in the winery, working on a new electric winepress. The grape- pickers had left. Suddenly the door opened and Faniry entered, excessively made up. She walked straight up to Pierre, flung her arms around his neck, and pressed herself against him. Even above the fumes from the pressed grapes he could smell that she had been drinking. And take that paint off. It makes you look like a tart. He had never cared for her. He cared only about sex. He was obsessed with it. But the women in France, the white women, they were the tarts, and he was welcome to them. She snatched a knife from the wall and lunged at him with it. English Reading and on links to esl reading material. Easy News Stories Reading a newspaper is a great way to improve your English. At this site, you'll find lots of interesting news stories written in EASY English. R Acknowledgments This paper is based on an annotated bibliography of research on reading development for adults learning English (Adams & Burt, 2002). For information about the studies consulted, see http:// We. Watch and listen to short stories in English to improve your vocabulary and speaking skills. Do you like listening to and reading stories? Reading stories is a great way to improve your vocabulary and we have lots of great stories for you to watch. She was in tears, but it took all his strength to keep the knife from his throat. Eventually he pushed her off, and she stumbled towards the winepress. Pierre stood, breathing heavily, as the screw of the press caught at her hair and dragged her in. She screamed, struggling to free herself. The screw bit slowly into her shoulder and she screamed again. Then she fainted, though whether from the pain or the fumes he was not sure. He looked away until a sickening sound told him it was over. Then he raised his arm and switched the current off. The guests shuddered visibly and de Gruse paused in his story. Then he went up to the house, had a bath, ate a meal, and went to bed. The next day, he told everyone Faniry had finally left him and gone back to Madagascar. No- one was surprised. English reading practice is very important if you want to improve your English reading skills. This section contains articles on different subjects for you to read. Each article has contains an exercise too. Click Here for Step-by-Step Rules, Stories and Exercises to. His guests sat motionless, their eyes turned towards him. That was the extraordinary thing. It won award after award, and nobody could understand why.? It isn't every day that one finds such a pedigree. The Dutchman shifted awkwardly in his seat, his glass poised midway between the table and his open lips. The other guests looked around uneasily at each other. They did not understand..
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Lastly, we made note of any companies who pushed us for personal information during the consultation. In our tests, we evaluated how thoroughly representatives explained the debt consolidation program and other available debt relief options. Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 1. Sometimes you reach a point where debt becomes overwhelming. Late payments, medical bills and personal emergencies can all add to a mounting amount of debt. If you are struggling to manage your debt but unsure of what steps to take, you can look into solutions offered by loan consolidation companies. These solutions are not instant fixes. Many of these paths negatively affect your credit score, require long- term dedication and obligate you to still pay off the majority of what you owe. Debt consolidation companies communicate with your debtors to negotiate lower rates on your behalf. While credit companies are under no obligation to negotiate your payments, the best debt consolidation companies may be able to consolidate your debt to a single, monthly payment or negotiate to lower the total amount of debt that you owe. For more information on the best debt consolidation loans and credit management options, have a look at our articles on debt consolidation. Debt Management: What Are Your Options? When you start pursuing debt management options, you may get many mixed messages from those in the debt relief industry. Because there is no general industry consensus as to what the best options are, we have narrowed down your options. Many of these options work hand in hand or as part of a larger debt reduction program, but in general, these are your choices: Debt Settlement: Settlement is the process of negotiating with your creditors in hopes of reducing the total amount of debt that you owe them. While you can undertake this process on your own, many people choose to hire a professional debt settlement company or lawyer to negotiate on their behalf. When you begin this process, you set aside funds each month into a separate, insured account. While you're building up your funds, the company or lawyer you've selected negotiate with your creditors in an attempt to lessen the total amount of debt that you owe. When a settlement is reached, the funds that you have been setting aside go toward paying your creditors and negotiation fees. These programs take around two to four years to complete and negatively influence your credit. Debt Consolidation: Consolidation is the process of combining all of your debts into a single, lower payment by taking out a loan to pay off your creditors. Companies usually attempt to lower your debt through debt settlement before recommending you take out a loan. The goal of consolidation is to have a lower payment at a lower interest rate than you currently have. Debt Management Program: These programs often work hand- in- hand with credit counseling programs. During this program, you receive financial counseling and meet with a financial advisor. A government debt consolidation loan is a financial loan given by a government program to help a person pay off debts owed to. The new changes to the student lending process have created another reason for student loan debt consolidation.Additionally, the company managing your debt management program contacts your creditors and attempts to negotiate lower interest rates on your behalf. Lower interest rates allow you to more quickly pay off your debts. This debt relief program does not have a negative impact on your creditors but may limit your credit options for the duration of the program. Bankruptcy: This should be seen as a last resort as it negatively affects your credit for many years. With bankruptcy, you officially declare that you cannot pay your debts. To pursue bankruptcy, you must qualify and complete the entire process, including pre- filing and post- filing counseling. The New Rule: Legal Rules & Regulations. After observing unethical practices that ran through multiple industries, including debt consolidation, the Federal Trade Commission (FTC) created the New Rule. This rule strengthened consumer protections against deceptive claims and prohibited debt relief companies from charging advance fees for service. Debt Consolidation Loans: What Are the Risks? While a debt consolidation is less risky than other options, like bankruptcy, it still carries a considerable amount of risk. When you take out a consolidation loan, you are required to put forth collateral. Most often, the required collateral is a second mortgage or a home equity line of credit. This is incredibly risky because if you cannot meet your payments, your home is on the line. Furthermore, if you have bad credit, debt consolidation loans may come with high interest rates. In addition to putting your home at risk, many consumers end up prolonging their debt. While having one low rate and one payment is an attractive option, many people end up in similar or worse financial situations when attempting credit card debt consolidation. According to Cambridge Credit Corp., a nonprofit credit- counseling agency, 7. Americans who take out consolidation loans end up with the same or more debt after two years. Types of Debt That Can Be Helped by a Debt Consolidation Service. Types of debt vary, and this influences what you are able to consolidate. The first thing to determine is if your debt is secured or unsecured. Secured debt is a type of debt that is secured by collateral, which includes things like your mortgage and car loan. Unsecured debts are loans or lines of credit without collateral attached to them, including credit cards and medical bills. Other options, like student loan consolidation, may vary, depending on the consolidation company you use. Certain unsecured debts, like student loans or payday loans, may not be eligible for consolidation. Before you enroll with a company, make sure to explore your options with a financial consultant so you know exactly which debts you can and cannot consolidate. Debt Consolidation Loans for People With Bad Credit. Many companies advertise low interest rates for direct loan consolidation, but these rates are typically reserved for those with exceptional credit ratings. If you've had trouble with your finances in the past, you most likely will not qualify for these rates; consolidation loans for bad credit, often come with high interest rates attached. However, if you've met with a financial advisor and have the discipline to stick with longer payments, then debt consolidation might be worth the sacrifices. Best Debt Consolidation Companies: What to Look For. 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Companies that are IAPDA certified have been professionally trained and certified in debt management best practices and upholding ethical standards. The United States Organizations for Bankruptcy Alternatives (USOBA) has rigorous standards that include FTC regulations, plus additional standards that debt consolidation companies must adhere to. Lastly, look for what supplemental resources a company offers in addition to consolidation. While any company can provide negotiation or consolidation services, the best companies provide solutions for managing your finances and staying out of debt. Any company who is looking for repeat customers should be avoided. What We Evaluated: What We Found. Debt consolidation programs require you to submit personal identifying information and meet a minimum debt limit before you can enroll in a program. Because of these requirements, and debt consolidation programs' negative impacts on your credit scores, our reviewers were unable to fully test the multi- step debt consolidation process. While we did not test the process, we determined other aspects of the process to be important in conjunction with the program itself, such as customer service and industry credibility. Your financial situation and personal needs determine which company best fits your needs. The following factors are important considerations when determining which debt consolidation program to pursue. Since these programs can take years to finish, it is vital to consider all the information up front. Transparency. How forthcoming a company is with information is a huge factor when choosing a debt consolidation company. Before you choose a company, make sure to understand its history. Due to the New Rule, there are things that a company legally must disclose to you before you enroll in its program. 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