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Getting a Home Mortgage

So, you're interested to get a mortgage for your dream house. In order to do this, there are some steps you need to get the right home mortgage for you.

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Basic Mortgage Terms

If it is your first time applying for a mortgage, there are a number of terms you should know. Educating yourself on the various mortgage terms you will run into will help you make better decisions when deciding which home you want to purchase. When you sign a mortgage contract, your home is used for collateral and it is your responsibility to make sure your payments are made on time each month.

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Articles

Things You Must Check When Buying A Grandfather Clock

Grandfather clocks or longcase clocks as they are known in the trade are one of the very few actual working antique pieces of furniture you can purchase today, but you must be aware that buying a clock that does not work can represent a real risk. With their mechanical movements which have most probably been around for hundreds of years and have been subject to too much servicing and probably some repair or alteration it would be wise to have some knowledge or Horological experience before you hand over your hard earned cash. Even for anybody with the knowledge, buying a clock that is not working, represents a tremendous gamble sometimes. There are a number of thing that can make a clock movement stop working, points that are not so obvious when first taking a casual look, it takes just a small amount of wear on the pivots and pinions to alter the depth of the train which will stop the clock and make the movement in need of a complete strip down and resulting in a major repair. The pallets on the escapement could be at the wrong depth or worn which is not always seen by the untrained eye and at today's repair prices done by a reputable clock repairer, these problems could cost hundreds of pounds. So if you do not have the adequate skills or knowledge find someone who has, it will save you hundreds of pounds in the long run and remember all clocks running or not need close scrutiny before purchasing.

Five things to check before you buy your future family heirloom or your investment into your pension plan are? 1. After making sure there is no major surgery needed to the movement and dial take a good look at the overall appearance of the clock case. Look for parts missing or damaged i.e. the correct feet or plinth are there and the base has not been cut down to fit into a room with a low ceiling, the same goes for the pediment or the top of the case hood. Look for any veneers or stringing that may be missing or loose and check fret work on the hood to see it is not damaged.

Check the polish or finish of the case looking for cracking or splitting caused by shrinkage or exposure to direct sunlight. Although these can be small jobs, the cost of restoration can mount up and increase your overall investment 2. Look for any pieces of the clock furniture missing or damaged, the brass or wooden finials that should be on the top of the hood, hinges to the trunk and hood doors are working correctly. Check escutcheons and locks, if any, and hood pillar caps. 3.

Take a good look at the case hood and make sure it fits onto the case correctly and check the dial mask fits correctly around the dial, any gaps or overlapping is a sure sign of a marriage, this could be where some unscrupulous dealer has put a movement into another case. 4. Take off the hood and inspect the trunk cheeks. This is the top part of the trunk where the movement's seat board, the piece of timber the movement is fastened to, sits on the trunk. Check nothing has been altered or blocks have not been added, this to can be a sign of a marry up (wrong movement in the wrong case).

5. Open the trunk door and take a look at the back board, about the height were the pendulum bob is situated, and have a look for scratch marks made buy the pendulum indicating an ill-fitting movement, once again a sure sign of possible alterations. It is always best to be on the safe side and buy from a reputable clock dealer if your knowledge on this subject is a little sparse.

Buying from any auction or from some well meaning, honest retired old couple with all their reassurance that the clock has been in the family since it was salvaged from Noah when he decommissioned the ark and has been running ever since, could appear to be a bargain, but will most probably cost you three times as much in repairs and restoration so be careful.

Barry Share is the proprietor of Riversdale Clocks. http://riversdaleclocks.com where he has been making bespoke cases for longcase clocks since 1986. Barry and Matt Share are co-authors in the new case making manual "Making A Case For A Longcase Clock." You can get your free copy of part#1 of the manual from http://www.casemaking.riversdaleclocks.com



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A Guide to Finding the Best Personal Loan Rate

Finding the best personal loan rate that you can get isn't always easy... it does, however, save you a lot of money in comparison to simply taking the first interest rate that you're offered for a loan.

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