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<title>Graham Drage's Articles</title>
<link>http://www.financealley.com</link>
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<webMaster>editorial@financealley.com</webMaster>
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<title>Is your letting agent financially secure?</title>
<description>Is your letting agent telling you that your rent is late this month? Is your letting agent financially secure? 
Has your letting agent invested in new build properties over recent years? Many of these investments are now toxic and are likely to...</description>
<link>http://www.financealley.com/article_712176_33.html</link>
<pubDate>04th December 2008</pubDate>
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<item>
<title>Is your letting agent financially secure?</title>
<description>Is your letting agent telling you that your rent is late this month? Is your letting agent financially secure? 
Has your letting agent invested in new build properties over recent years? Many of these investments are now toxic and are likely to...</description>
<link>http://www.financealley.com/article_712175_33.html</link>
<pubDate>04th December 2008</pubDate>
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<title>New Build Property for Buy-to-Let; Avoid the Hidden Costs Trap!</title>
<description>The deal is done.
You are buying a new build property and the builder’s sales team, in their sales office have told you everything that will be included.
Remember most new builds do not have these following items as standard:
...</description>
<link>http://www.financealley.com/article_709700_33.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>The big question for tenants; “Will I get my deposit back?”</title>
<description>At the beginning of your tenancy it is unlikely that you will have any disagreements with your landlord or managing lettings agent. But this could change by the end of your tenancy. So how do you avoid any problems and make sure you get your deposit ba...</description>
<link>http://www.financealley.com/article_709681_33.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>Vertical panel saws prove a popular choice.</title>
<description>Positive experiences are reported from users of Striebig vertical panel saws in industrial sectors ranging from woodworking to heating panel production.
Kent joinery business Blades, which specialises in work for some of London’s most affluen...</description>
<link>http://www.financealley.com/article_709652_15.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>The real rewards of safe outdoor learning</title>
<description>Fulfilling the modern curriculum can be a struggle – never have teachers and carers been more aware of the need to take learning outdoors and allow children to enjoy the fresh air.  For teachers of children with special learning requirements, howeve...</description>
<link>http://www.financealley.com/article_709627_15.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>Should Landlords Accept Tenants who are Claiming Benefits?</title>
<description>Most new landlords tell me they would refuse an application for a tenancy from a benefit claimer. 
What’s the reason behind this? When I ask them why they are unable to give any detail; the decision in my opinion is an emotional one based on perception...</description>
<link>http://www.financealley.com/article_708670_33.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>The Industrial Applications of Calcium Chloride</title>
<description>Calcium Chloride is a bulk chemical commodity used in a wide variety of industries. Worldwide production capacity is in the region of 3.5 Million Tonnes per annum. Demand can vary significantly depending on the severity of winter conditions in North Am...</description>
<link>http://www.financealley.com/article_708644_15.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>Management Fees or Service Level Agreements (SLA’s)</title>
<description>You’re a new landlord or maybe an existing landlord thinking of instructing a new agent. What are the questions you should be asking of any agent you are considering instructing to look after a major asset you own?
The most frequently asked q...</description>
<link>http://www.financealley.com/article_702236_33.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Recession proof  businesses, myth or fact?</title>
<description>The current unprecedented crisis in the financial markets and signs that the underlying economy is in for a down turn, the search is on for the ‘recession proof’ business.
It may be argued that NO business is truly immune to the classic dou...</description>
<link>http://www.financealley.com/article_702230_15.html</link>
<pubDate>01st December 2008</pubDate>
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<title>Using Serviced Tenancy Employers Could Save £5000 per year in Hotel Costs.</title>
<description>Employers, you could save your company around £5000 annually and give new employees a home away from home.  
If you are housing your employees in a hotel you could be paying up to £21,000 per year. This is based on one person staying in a ho...</description>
<link>http://www.financealley.com/article_651349_33.html</link>
<pubDate>29th September 2008</pubDate>
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<title>Using Serviced Tenancy Employers Could Save £5000 per year in Hotel Costs.</title>
<description>Employers, you could save your company around £5000 annually and give new employees a home away from home.  
If you are housing your employees in a hotel you could be paying up to £21,000 per year. This is based on one person staying in a ho...</description>
<link>http://www.financealley.com/article_651348_33.html</link>
<pubDate>29th September 2008</pubDate>
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<title>Innovative approach to commercial cleaning provides proven solution to poor standards.</title>
<description>With more and more businesses occupying ever smaller premises, the cleaning of these premises is frequently left to unsupervised cleaners working out of normal hours, often with negative consequences for quality and reliability, compounded by typically...</description>
<link>http://www.financealley.com/article_651334_15.html</link>
<pubDate>29th September 2008</pubDate>
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<title>Innovative approach to commercial cleaning provides proven solution to poor standards.</title>
<description>With more and more businesses occupying ever smaller premises, the cleaning of these premises is frequently left to unsupervised cleaners working out of normal hours, often with negative consequences for quality and reliability, compounded by typically...</description>
<link>http://www.financealley.com/article_651333_15.html</link>
<pubDate>29th September 2008</pubDate>
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<title>Advice for Tenants; Checklist to Avoid the Most Common Pitfalls when Renting</title>
<description>Excited upon finding your new home!! As a tenant, in the haste to move in, some important key points may be over looked. 
It is important that you are aware of who is managing your property, is it the agent or is the landlord self-managing. If ...</description>
<link>http://www.financealley.com/article_629572_33.html</link>
<pubDate>09th September 2008</pubDate>
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<title>Houses of Multiple Occupation; A Growing Property Lettings Model in the UK</title>
<description>Under the Housing Act 2004 a HMO is defined as a dwelling which is occupied by two or more un related tenants who are not members of the same family and do not live as a cohabiting couple.
By default three people making two or more households is a HMO. T...</description>
<link>http://www.financealley.com/article_619642_33.html</link>
<pubDate>04th September 2008</pubDate>
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<title>Houses of Multiple Occupation; A Growing Property Lettings Model in the UK</title>
<description>Under the Housing Act 2004 a HMO is defined as a dwelling which is occupied by two or more un related tenants who are not members of the same family and do not live as a cohabiting couple.
By default three people making two or more households i...</description>
<link>http://www.financealley.com/article_619638_33.html</link>
<pubDate>04th September 2008</pubDate>
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<title>New Build Property for Buy-to-Let; Avoid the Hidden Costs Trap!</title>
<description>The deal is done.
You are buying a new build property and the builder’s sales team, in their sales office have told you everything that will be included.
Remember most new builds do not have these following items as standard:
...</description>
<link>http://www.financealley.com/article_600663_33.html</link>
<pubDate>16th August 2008</pubDate>
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<title>Should Landlords Accept Tenants who are Claiming Benefits?</title>
<description>Most new landlords tell me they would refuse an application for a tenancy from a benefit claimer. 
What’s the reason behind this? When I ask them why they are unable to give any detail; the decision in my opinion is an emotional one based on p...</description>
<link>http://www.financealley.com/article_600545_33.html</link>
<pubDate>15th August 2008</pubDate>
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<title>Le Marche Hilltop Villages are in demand</title>
<description>The popularity of  the beautiful hilltop villages in Le Marche seems to grow with every passing year. Tourists and even Italians from other parts of Italy are increasingly keen to buy  townhouses in these beautiful and largely unspoilt mediaeval vill...</description>
<link>http://www.financealley.com/article_600533_33.html</link>
<pubDate>15th August 2008</pubDate>
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<title>Management Fees or Service Level Agreements (SLA’s)</title>
<description>You’re a new landlord or maybe an existing landlord thinking of instructing a new agent. What are the questions you should be asking of any agent you are considering instructing to look after a major asset you own?
The most frequently asked q...</description>
<link>http://www.financealley.com/article_589692_33.html</link>
<pubDate>24th July 2008</pubDate>
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<title>Lettings Agency Closures; How Landlords &amp; Tenants Can Avoid Problems</title>
<description>Purchasing a property is one of the largest investments you are likely to make whether you are going to live in the property or have bought it  as an investment.  So who would you entrust to manage one of the most expensive items you own? The fact is...</description>
<link>http://www.financealley.com/article_589660_33.html</link>
<pubDate>24th July 2008</pubDate>
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<title>Avoid hidden costs when buying a rental property</title>
<description>Are you familiar with this scenario?
You have found the property that you want to buy; you contact either the vendor or the agents to arrange a viewing. After looking over the property for approximately 5-25 minutes you say yes and leave....</description>
<link>http://www.financealley.com/article_574778_33.html</link>
<pubDate>14th July 2008</pubDate>
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<title>Farmhouses in Le Marche are back in favour!</title>
<description>It seems that buying and restoring farmhouses and country houses is back in vogue in the Le Marche property market this summer. I must admit that I thought UK buyers had deserted this particular sector in favour of apartments and village houses, but th...</description>
<link>http://www.financealley.com/article_574769_33.html</link>
<pubDate>14th July 2008</pubDate>
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<title>The Credit Crunch and the Benefits of Renting</title>
<description>Other than folk who have been hibernating for the last few months I think it is fair to say we all know property sales have slowed. At least the exciting end to the European championship football having three British clubs in two finals gives the newsp...</description>
<link>http://www.financealley.com/article_574727_33.html</link>
<pubDate>13th July 2008</pubDate>
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<title>Village House Restoration and Renovation in Le Marche Italy</title>
<description>Restoring old historic and unloved village houses in rural Italy is one of the most satisfying  tasks you can undertake in today’s property market.
Unlike the in the UK, in rural Le Marche there are still thousands of unoccupied and dilapidat...</description>
<link>http://www.financealley.com/article_555867_33.html</link>
<pubDate>13th June 2008</pubDate>
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<title>Restoring Townhouses in Le Marche, Italy</title>
<description>The restoration and rebuilding of Townhouses or village houses in Le Marche has become very popular over the past couple of years. Restoring small village houses in the historical centres of the many hilltop villages in Le Marche is much a less onerous...</description>
<link>http://www.financealley.com/article_555857_33.html</link>
<pubDate>13th June 2008</pubDate>
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<title>Restoring Townhouses in Le Marche, Italy</title>
<description>The restoration and rebuilding of Townhouses or village houses in Le Marche has become very popular over the past couple of years. Restoring small village houses in the historical centres of the many hilltop villages in Le Marche is much a less onerous...</description>
<link>http://www.financealley.com/article_555856_33.html</link>
<pubDate>13th June 2008</pubDate>
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<title>A Checklist for Preparing Your Home Before You Sell</title>
<description>When we decide to sell a property what do we do first. 
Call in an estate agent to get a valuation? Most of us do and they will advise us to get the property on the market straight away. (subject to arranging a HIPS since the new ruling came out...</description>
<link>http://www.financealley.com/article_555844_33.html</link>
<pubDate>13th June 2008</pubDate>
</item>
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<title>The Credit Crunch and the Benefits of Renting</title>
<description>Other than folk who have been hibernating for the last few months I think it is fair to say we all know property sales have slowed. At least the exciting end to the European championship football having three British clubs in two finals gives the newsp...</description>
<link>http://www.financealley.com/article_555839_33.html</link>
<pubDate>13th June 2008</pubDate>
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<title>Direct to Garment Printing (DTG)</title>
<description>What is Direct to Garment Printing?
Direct to garment printing ( DTG ) is a relatively new clothing printing process which allows full colour printing direct onto the garment without the need for screens, transfer or sublimation techniques....</description>
<link>http://www.financealley.com/article_555812_15.html</link>
<pubDate>13th June 2008</pubDate>
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<title>Vertical Panel Saws – manual or automatic?</title>
<description>Vertical Panel Saws – manual or automatic?
Manual and automatic vertical panel saws both have their respective merits, so choosing which type to buy depends on the type of work it will have to carry out.
Basically, there are four dist...</description>
<link>http://www.financealley.com/article_555798_15.html</link>
<pubDate>13th June 2008</pubDate>
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<title>Carbon Monoxide Removal</title>
<description>Sources of Carbon Monoxide
Carbon Monoxide is a result or product of incomplete combustion typically of a hydrocarbon such as natural gas or petroleum.  There are many different situations where carbon monoxide can be produced ...</description>
<link>http://www.financealley.com/article_536899_15.html</link>
<pubDate>14th May 2008</pubDate>
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<title>How to choose a telescopic pool building?</title>
<description>A telescopic pool building, also sometimes called a telescopic pool enclosure, allows the flexibility of enclosing your swimming pool during the winter or opening up the pool area during the better summer weather, therefore giving you all year-round us...</description>
<link>http://www.financealley.com/article_536892_33.html</link>
<pubDate>14th May 2008</pubDate>
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<title>The Strong  Euro and The Italian Property market</title>
<description>The Euro has performed very strongly against Sterling and the US dollar over the past 6 months or more. This has had the effect of increasing the price of property all over Europe, not just Italy  by over 15% to buyers from the United States and the U...</description>
<link>http://www.financealley.com/article_534309_33.html</link>
<pubDate>09th May 2008</pubDate>
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<title>Planning to increase your property rental income via room rental?</title>
<description>At a time we are experiencing higher mortgage interest rates and higher annual rent to annual mortgage ratios it is not surprising that many investment landlords are considering letting individual rooms as a strategy for boosting income from a property...</description>
<link>http://www.financealley.com/article_533804_33.html</link>
<pubDate>08th May 2008</pubDate>
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<title>Invest in growing Corby</title>
<description>In just over 60 years the town of Corby, Northamptonshire has grown from a stone-built village with a population of only 1,500 to a thriving new town with a estimated population rise of 100,000 in the next 30 years and the creation thousands of new job...</description>
<link>http://www.financealley.com/article_530605_33.html</link>
<pubDate>07th May 2008</pubDate>
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<title>The Italian Property Market and the Strong Euro</title>
<description>A day does not go by without another alarming story of how the credit crunch of 2008 is affecting the banking system in the US and Britain. Because of the woes of the sub prime mortgage sector in the US, Britain is now facing a very tight mortgage lend...</description>
<link>http://www.financealley.com/article_517324_33.html</link>
<pubDate>15th April 2008</pubDate>
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<title>Buying a property to rent out; a checklist</title>
<description>OK so here’s the scenario…
You have found the property that you want to buy; you contact either the vendor or the agents to arrange a viewing. After looking over the property for approximately 5-25 minutes you say yes and leave.&lt;br...</description>
<link>http://www.financealley.com/article_517318_33.html</link>
<pubDate>15th April 2008</pubDate>
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<title>The pitfalls of DIY</title>
<description>Whenever a situation arises to do with property maintenance we tend to try and rectify the fault ourselves. We even try and carryout the maintenance issue although it is beyond our capabilities
Think back to an issue that you might have encount...</description>
<link>http://www.financealley.com/article_516598_33.html</link>
<pubDate>13th April 2008</pubDate>
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<title>When is a vertical panel saw the best wood working solution?</title>
<description>Whilst a beam saw is the right piece of machinery for use when a large number of boards need to be cut to set sizes on a regular basis, and a flat bed saw is ideal for angles, mitres and small-piece work, a vertical panel saw is the perfect tool for al...</description>
<link>http://www.financealley.com/article_514797_15.html</link>
<pubDate>10th April 2008</pubDate>
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<title>Why should you use a Letting Agent?</title>
<description>Whatever your requirements your letting agent will help to protect your property, maximise the return on your investment and provide you with a rental income for the duration of your letting. 
This case study is one example of how a professional...</description>
<link>http://www.financealley.com/article_507919_33.html</link>
<pubDate>03rd April 2008</pubDate>
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<title>Why should you buy your Italian home in Le Marche</title>
<description>When most people first think about buying a new retirement home or holiday home in Italy the areas of Tuscany and Umbria are normally the first places that spring to mind.
Tuscany has been a popular holiday destination and second home buying are...</description>
<link>http://www.financealley.com/article_506312_33.html</link>
<pubDate>03rd April 2008</pubDate>
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<title>Investing in Houses in Multiple Occupation (HMO's), Vital Information of Landlords</title>
<description>Is your investment property a House in Multiple Occupation?
You should know and you need to know the answer to this question. You maybe exposing yourself to prosecution if you do not licence or maintain a House in Multiple Occupation in England...</description>
<link>http://www.financealley.com/article_505056_33.html</link>
<pubDate>02nd April 2008</pubDate>
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<title>Le Marche for your new home?</title>
<description>Tuscany and Umbria used to be the usual destination for second home buyers when choosing to live in Italy.Tuscany has long been a popular holiday destination and many British and northern Europeans have in the past decided to retire or buy a holiday ho...</description>
<link>http://www.financealley.com/article_504918_33.html</link>
<pubDate>02nd April 2008</pubDate>
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<title>Property Preparation for the Rental Market</title>
<description>When a couple get together and they own a property each they have to make a decision, Which property do we live in and which one do we rent out.
Obviously the one you live in is the one you are both happy to be together in, but sometimes the on...</description>
<link>http://www.financealley.com/article_504030_33.html</link>
<pubDate>02nd April 2008</pubDate>
</item>
<item>
<title>Property Preparation for the Rental Market</title>
<description>When a couple get together and they own a property each they have to make a decision, Which property do we live in and which one do we rent out.
Obviously the one you live in is the one you are both happy to be together in, but sometimes the on...</description>
<link>http://www.financealley.com/article_504021_33.html</link>
<pubDate>02nd April 2008</pubDate>
</item>
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<title>The Hurghada Egypt Property Market</title>
<description>Ever since President Mubarak of Egypt opened his country’s property market to foreign buyers in 2003, the Egyptian property market has boomed. The most favoured area for UK buyers is the area around Hurghada. Originally a fishing village on the Red S...</description>
<link>http://www.financealley.com/article_475201_33.html</link>
<pubDate>15th February 2008</pubDate>
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<title>How to choose a vertical panel saw.</title>
<description>With a profusion of makes available to choose from, there are five key areas you need to look into before making the final purchase decision. These are the machine’s technical specification, its cut quality and accuracy, its ease of use, its durabili...</description>
<link>http://www.financealley.com/article_475168_15.html</link>
<pubDate>14th February 2008</pubDate>
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<title>The Hurgahda Egypt Property Market</title>
<description>Ever since President Mubarak of Egypt opened his country’s property market to foreign buyers in 2003, the Egyptian property market has boomed. The most favoured area for UK buyers is the area around Hurghada. Originally a fishing village on the Red S...</description>
<link>http://www.financealley.com/article_475166_33.html</link>
<pubDate>14th February 2008</pubDate>
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