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<title>Mortgage Services's Articles</title>
<link>http://www.a1articles.com</link>
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<webMaster>editorial@a1articles.com</webMaster>
<item>
<title>Your Guitar Progression</title>
<description>


When it comes to learning such new skills patience will be your guide. It is important to progress slowly one step at a time though we all want it now without the effort so it is very easy to get frustrated which will take away your concentration. T...</description>
<link>http://www.a1articles.com/article_702327_48.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Musicians' Tips</title>
<description>

When practicing try and be disciplined about your time, ideally one hour a day minimum.

Split the time up into various practice sections. So for example the first five minute maybe of warm up scales, patterns or runs, followed by ten minutes of cho...</description>
<link>http://www.a1articles.com/article_702326_48.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Guitar School Tips</title>
<description>



There is an old saying if you don't use it you will loose it. That is very true for improving your electric guitar playing. So get in to a routine that will insure regular guitar practice.

Try and form a template for practice. So for example st...</description>
<link>http://www.a1articles.com/article_702325_48.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Guitarist - Do Your Research</title>
<description>


This is the fun part of improving. In order to grow as a good all round player, even though you may have a favourite genre or style you frequently want to play, it's great to try and great a lot of different musical influences around you. So try and...</description>
<link>http://www.a1articles.com/article_702324_48.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Guitar Progression</title>
<description>


Try and get into the discipline of a regular daily time slot say minimum one hour for guitar practice. Break down that time into segments of practicing different areas. So for example the first ten minutes is warm up exercises which can be chromatic...</description>
<link>http://www.a1articles.com/article_702323_63.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Lower Interest Rates</title>
<description>

Shock drop in UK bank lending interest rates by 1.5%. The longest for over twenty years. This sent out a negative signal to markets indicating that the economy was in deep trouble and drastic measures are required. There is doubt if this will be passe...</description>
<link>http://www.a1articles.com/article_702322_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Business Lending Future</title>
<description>Business Lending Future

The Government has requested to lenders to start to lend again to businesses especially small businesses who are struggling in the UK economic downturn. The problem is though the government have backed some of the major banks wi...</description>
<link>http://www.a1articles.com/article_702320_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Business Tips</title>
<description>




In these tough economic times it is even more important that a business is financially robust, efficient and strong for the future to ride the credit crunch storm. This is a worldwide problem so all sectors should take note and plan carefully. T...</description>
<link>http://www.a1articles.com/article_702319_15.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Commercial Finance</title>
<description>


Commercial Mortgages are also used to buy existing businesses consisting of property or land for development.  Commercial Mortgages can used for the following: Farms Pubs, restaurants, night clubs, take-away units Shops, shops with living accommodat...</description>
<link>http://www.a1articles.com/article_702317_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Mortgage Regulation</title>
<description>

The Financial Services Authority is responsible for the regulation of the majority of mortgage sales.  
Mortgage regulation is still relatively new and we have planned the effectiveness review in stages to identify trends and measure progress against...</description>
<link>http://www.a1articles.com/article_702316_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>The Worldwide Credit Crisis</title>
<description>



It seems that recently there has been incredible events happening mainly in the American finance sector which are greatly effecting the rest of the world credit wise, where banks are not confident about lending money to other banks as there is so ...</description>
<link>http://www.a1articles.com/article_702314_15.html</link>
<pubDate>01st December 2008</pubDate>
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<title>The UK Lending Outlook</title>
<description>

Before the recent credit crunch there where more than 44,000 different products and lending deals listed on the mortgage advisors' sourcing system Trigold. This has now dropped to below 6,000, though this is obviously a floating flexible figure, it is...</description>
<link>http://www.a1articles.com/article_702312_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Document requirements and checks for a Business Mortgage </title>
<description>


Standard paperwork for commercial finance to be lent to a potential customer would normally be the last three years profit and loss accounts along with the business balance sheets. This will give the under writing team a feel for the health of the b...</description>
<link>http://www.a1articles.com/article_702200_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Valuation Types </title>
<description>



If you had a single property that building could have several different types of valuation with varying prices depending on it's usage. For example there would be a basic valuation for residential mortgage purposes or a home buyer's report or a fu...</description>
<link>http://www.a1articles.com/article_702196_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Energy Performance Certificates </title>
<description>

From 2008 the UK will have a regulation governing business property. There will be a certificate required that rates the building dealing with energy management. This will have a hugh impact on the business community.

The UK in 2008 will see new re...</description>
<link>http://www.a1articles.com/article_702195_19.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Which Guitar to Buy</title>
<description>
Choosing the right guitar for you
So what is the right musical instrument that you need to buy.  When starting out try and pick an instrument that the student feels comfortable with and is the correct size. For example a young beginner choosing a guita...</description>
<link>http://www.a1articles.com/article_248058_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Practicing the Guitar</title>
<description>

Guitar tuning is you step one it’s not really that hard, it just takes a bit of knowledge and practice. But it is something you have to learn by ear and is your first element of practice to master.
It is not that difficult to learn some of the basi...</description>
<link>http://www.a1articles.com/article_248056_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Learning the Guitar</title>
<description>

I like a lot of you, have spent ages seeking for that "magic system" that would enable me to learn to play guitar easily. There are no short cuts. But basically it needs hard work and effort.  Like anything you intend you’re going to stick at it whe...</description>
<link>http://www.a1articles.com/article_248055_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>How to Improve Playing Guitar</title>
<description>
 
Practice is best on a consistent regular basis ideally at least once a day of organised guitar playing. Improvement will be speeded up with directional, structured best practicing techniques. Try and break down your playing into sections which might ...</description>
<link>http://www.a1articles.com/article_248054_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Guitar Scales</title>
<description>

Start by learning all the major and minor scales but once you understand the C major scale you're ready to try them all.  Practice the scales slowly, get familiar with all the root notes. Learn the names and positions of the notes all over the guitar ...</description>
<link>http://www.a1articles.com/article_248051_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Choosing a plectrum</title>
<description>
 
A pick's gauge describes how thick, or stiff it is. Some pick manufacturers actually measure the thicknesses and stamp these numbers expressed in millimeters on the pick itself. Other companies just say “Extra Heavy", “Heavy”, "Medium", and "Th...</description>
<link>http://www.a1articles.com/article_248049_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Playing in an orchestra - the pros and cons</title>
<description>




Having given you some of my thoughts about the pros and cons of playing in an orchestra, there are still many questions a person must ask himself before embarking on this career path.  
Orchestral players are finding it increasingly hard to mak...</description>
<link>http://www.a1articles.com/article_248048_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Learning how to read music</title>
<description>

The great advantage of learning how to read music is it is a world wide universal language that is recognised by musicians across the globe. Which can be used for musicians, choirs, singers and orchestras. Though there are simpler and more basic metho...</description>
<link>http://www.a1articles.com/article_248046_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Learning how to play an instrument</title>
<description>Generally to play most instruments is very difficult and takes years of disciplined practice. It depends to what level one goes to. Some are easier than others. 

If you have a pretty good sense of rhythm, drums are a fairly easy musical instrument that...</description>
<link>http://www.a1articles.com/article_248045_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Instrument Care</title>
<description>


Care for your instrument fall into three categories -- prevention, maintenance, and repairs.  

Polishes and beautifies, while hiding and sealing small cracks.  Polishing also builds a layer of chromium oxide on the surface of the instrument.  Cle...</description>
<link>http://www.a1articles.com/article_248044_48.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Self Certified Mortgage</title>
<description>

Also know as a self certification mortgage or non status mortgage. This is where a mortgage will be taken out on the basis that there will be no proof of income or only a limited amount of proof required by the lender. The concern with this is that in...</description>
<link>http://www.a1articles.com/article_248043_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Debt Consolidation</title>
<description>Consolidation of debt potentially may be a very effective way to reduce your monthly total payments where by you have exchanged more expensive types of lending for example car loans, credit cards, store cards, personnel loans and overdrafts all to one len...</description>
<link>http://www.a1articles.com/article_248042_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>The Credit Crunch</title>
<description>Credit crunches may usually be considered to be the next part of a recession.
 A credit crunch is a surprise reduction in the availability of finance (or "Loans"), which may be due to increased fear of risk, a change in market conditions, or even a tight...</description>
<link>http://www.a1articles.com/article_248040_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Home Insurance</title>
<description>


Also known as property insurance, this is a mandatory insurance with a mortgage and you must have it in place. With a re-mortgage even if you already have insurance the solicitor will ask for buildings insurance that is covering the up to date rebui...</description>
<link>http://www.a1articles.com/article_248039_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Getting Mortgage Advice</title>
<description>





If you are a first time buyer with no experience of getting a mortgage, professional advice from a mortgage broker who can use the market as a whole may potentially assist you make an informed decision on the most suitable mortgage product to ...</description>
<link>http://www.a1articles.com/article_248038_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Why take out a fixed rate mortgage</title>
<description>




Fixed rate mortgages can be good for first time buyers and anyone on a tight income who needs the piece of mind of regular monthly repayments. A fixed mortgage is the most standard form of loan for home and product purchasing in the USA. Fixed r...</description>
<link>http://www.a1articles.com/article_248036_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>UK credit crisis</title>
<description>





The benchmark FTSE100 is currently very volatile due to credit crisis fears showing it’s biggest shake-up since the dotcom crash.  They have been large drops in the shares of the banking, property and major companies, which have reflected th...</description>
<link>http://www.a1articles.com/article_248035_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>Mortgage Payment Protection Insurance</title>
<description>Accident Sickness and Unemployment 
If you had an accident, fell sick or were to be made involuntary redundant (unemployed) you might struggle to meet your monthly mortgage and other commitments. The result would be very onerous as mortgage arrears can l...</description>
<link>http://www.a1articles.com/article_248034_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>The Discount Mortgage Loan</title>
<description>

Discount mortgages over the last few years have shown to be very popular in the UK for re-mortgages and property purchases as interest rates have generally been quite low and stable. Though past indications cannot guarantee future trends.
They work b...</description>
<link>http://www.a1articles.com/article_248032_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>125% Mortgage loan </title>
<description>It must be first stated that great care must be taken with these type of mortgage products as you are borrowing over and above the equity within the property. So changing circumstances can adversely effect your ability to service the loan. It must also be...</description>
<link>http://www.a1articles.com/article_248031_19.html</link>
<pubDate>07th January 2008</pubDate>
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<title>The story of the UK  HIPs or Home Information Pack</title>
<description>There has been much confusion, fear and change regarding these packs Ministers have wrecked Hip scheme's foundations Estate agency may go private over Hips. There has been a  U-turn Labour climb-down on Home Information Packs. There is fear th...</description>
<link>http://www.a1articles.com/article_215704_19.html</link>
<pubDate>20th September 2007</pubDate>
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<title>How the ins and outs of Commercial finance may affect you</title>
<description>A commercial mortgage is sometimes known as a business mortgage is a loan that is secured using a business property.  Business loans come in many shapes, sizes and appropriate interest rates, which is normally the ultimate thing for any busine...</description>
<link>http://www.a1articles.com/article_215705_19.html</link>
<pubDate>20th September 2007</pubDate>
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<title>Is the world of buy to let for you</title>
<description>Landlords who rent out properties to students are making healthier returns than the rest of the buy-to-let market with some areas in the UK delivering the best performance.  Landlords must choose between fixed, variable, capped to flexible interest charge...</description>
<link>http://www.a1articles.com/article_215706_19.html</link>
<pubDate>20th September 2007</pubDate>
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<title>The hazards of a poor credit mortgage</title>
<description>Some lenders can charge high interest rates for a bad credit mortgage, or attach severe restrictions and penalties.  When you choose a bad credit mortgage, you need to be sure that you can meet the required terms; if you can show that you are ...</description>
<link>http://www.a1articles.com/article_215707_19.html</link>
<pubDate>20th September 2007</pubDate>
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