Remote Data Access – pandas #goog #finance

#goggle finance


Remote Data Access¶

pandas users can easily access thousands of panel data series from the World Bank s World Development Indicators by using the wb I/O functions.


Either from exploring the World Bank site, or using the search function included, every world bank indicator is accessible.

For example, if you wanted to compare the Gross Domestic Products per capita in constant dollars in North America, you would use the search function:

Then you would use the download function to acquire the data from the World Bank s servers:

The resulting dataset is a properly formatted DataFrame with a hierarchical index, so it is easy to apply .groupby transformations to it:

Now imagine you want to compare GDP to the share of people with cellphone contracts around the world.

Notice that this second search was much faster than the first one because pandas now has a cached list of available data series.

Finally, we use the statsmodels package to assess the relationship between our two variables using ordinary least squares regression. Unsurprisingly, populations in rich countries tend to use cellphones at a higher rate:

Country Codes¶

New in version 0.15.1.

The country argument accepts a string or list of mixed two or three character ISO country codes, as well as dynamic World Bank exceptions to the ISO standards.

For a list of the the hard-coded country codes (used solely for error handling logic) see .

Problematic Country Codes Indicators¶

The World Bank s country list and indicators are dynamic. As of 0.15.1, is more flexible. To achieve this, the warning and exception logic changed.

The world bank converts some country codes in their response, which makes error checking by pandas difficult. Retired indicators still persist in the search.

Given the new flexibility of 0.15.1, improved error handling by the user may be necessary for fringe cases.

To help identify issues:

There are at least 4 kinds of country codes:

  1. Standard (2/3 digit ISO) – returns data, will warn and error properly.
  2. Non-standard (WB Exceptions) – returns data, but will falsely warn.
  3. Blank – silently missing from the response.
  4. Bad – causes the entire response from WB to fail, always exception inducing.

There are at least 3 kinds of indicators:

  1. Current – Returns data.
  2. Retired – Appears in search results, yet won t return data.
  3. Bad – Will not return data.

Use the errors argument to control warnings and exceptions. Setting errors to ignore or warn, won t stop failed responses. (ie, 100% bad indicators, or a single bad (#4 above) country code).

See docstrings for more info.

Google Analytics¶

The ga module provides a wrapper for Google Analytics API to simplify retrieving traffic data. Result sets are parsed into a pandas DataFrame with a shape and data types derived from the source table.

Configuring Access to Google Analytics¶

The first thing you need to do is to setup accesses to Google Analytics API. Follow the steps below:

  1. In the Google Developers Console
    1. enable the Analytics API
    2. create a new project
    3. create a new Client ID for an Installed Application (in the APIs auth / Credentials section of the newly created project)
    4. download it (JSON file)
  2. On your machine
    1. rename it to client_secrets.json
    2. move it to the pandas/io module directory

The first time you use the read_ga() function, a browser window will open to ask you to authentify to the Google API. Do proceed.

Using the Google Analytics API¶

The following will fetch users and pageviews (metrics) data per day of the week, for the first semester of 2014, from a particular property.

The only mandatory arguments are metrics,dimensions and start_date. We strongly recommend that you always specify the account_id. profile_id and property_id to avoid accessing the wrong data bucket in Google Analytics.

The index_col argument indicates which dimension(s) has to be taken as index.

The filters argument indicates the filtering to apply to the query. In the above example, the page URL has to contain aboutus AND the visitors country has to be France.

Detailed information in the following:

The Vitala Group #job #in #finance

#project finance international


  • equity / debt funding
  • joint venturing
  • partnerships
  • project loans & start ups
  • management performance
  • private placement memorandums
  • support services
  • loan syndication
  • financial advisory services
  • operational auditing

Since 1983. The Vitala Group has been raising project financing, we receive numerous applications for all types of project financing and as we do not act as finance brokers we recommend the most appropriate source for a project’s evaluation.

Project financing is based on the merits and risk aspects of the project rather than on security and corporate considerations.

The key to project financing is risk allocation and management. The risks associated with a new project can be identified and managed by allocating them to those who are best equipped to deal with them. The process ensures that a more sensible and therefore more financeable project risk profile is attained enabling the successful realisation of promising new projects.

It should be kept in mind that we always
represent the client’s best interests, not those
of underwriters or investors.

We do not charge up-front fees
or any other hidden fees
for Project Financing

We charge a success fee only

Parties interested in applying for project finance, please click on the button

Project Finance Application
Form in the Home page


The Vitala Group of Companies, operating since 1983 in global project finance and development works has now reached a stage where we have to deal with the following, on an almost daily basis:

– Unknown persons inserting scam accusations and messages onto websites

– Attempts to hack into Vitala Group email accounts

– Dealing with infringement of copyright, faking our corporate logos, our email and our website

In general we find that we need to defend claims and assertions made, which are either blatantly incorrect or misinformed, by defending ourselves on respective Scam websites.

This also applies to “unknown individuals” who are bent on issuing negative statements and/or references about our commercial activities, none of which can be corroborated.

The problem here is that anybody can make any type of accusation at any time, without ever having to reveal their names and/or entities and it becomes virtually impossible to know who to believe.

This is an unfortunate development which many other Groups face, who deal with global project finance and finance developments of one type or another, and who have grown in size internationally.

The only way we can ensure a reduction of the mis-use of our corporate name and logo is to constantly refine our general business terms and conditions as stated on our website:

Under the section Frequently Asked Questions (FAQs) we attempt to address any/all queries a potential developer may have, and yet still we are dealing with ignorance and malicious attempts to smear our corporate name.

When reading any statements or comments about us on Internet sites (none of which declare the ownership or control of the sites) it is advisable to always read our replies thereafter.

In conclusion, when coming across this type of accusation it quickly becomes clear that in most cases they are the result of disgruntled “would-be developers” who seek revenge to cover their inability to understand how global financing works.

Therefore, please use this letter and forward it to any parties who make such accusations.

Project finance international #nyc #finance

#project finance international


PFI Issue 583 – August 24, 2016

The sale of NSW poles and wires company AusGrid will be back on the market in the next few weeks as the NSW government wants to bank the funds before the end of the fiscal year next June.

PFI Issue 583 – August 24, 2016

NZ publicly listed power and electricity retailer TrustPower has hired UBS and law firm Russell McVeagh to handle the demerger of its wind energy business into a separately listed entity that will list in early 2017.

PFI Issue 583 – August 24, 2016

The NZ Transport Agency has entered into preferred bidder negotiations with the Northern Express Group for the NZ$800m Pūhoi to Warkworth toll road, the second public-private partnership (PPP) for a state highway project in New Zealand.

PFI Issue 583 – August 24, 2016

The adviser to the Sunshine Coast Council in Queensland, RBC Capital, is expected to send out IMs to prospective buyers of the Sunshine Coast Airport next week for a deal worth around A$500m (US$374m) or more.

PFI Issue 583 – August 24, 2016

The receivers of steel company Arrium have appointed investment bank Morgan Stanley to sell all of the Arrium assets excluding the Moly-Cop mining consumables business. Morgan Stanley’s mandate is to recapitalise the whole of the business, including the Whyalla steelworks, as a going concern.

PFI Issue 583 – August 24, 2016

The Newcastle coal loader sponsor, Newcastle Coal Infrastructure Group, which is owned by seven coal mines in the Hunter Valley of NSW, is conducting interviews with advisers to refinance its US$1.62bn debt. The facility is split into a three-year US$140.89m term loan, a three-year US$633.98m term loan, a five-year US$563.54m term loan, and a seven-year US$352.21m revolver.

PFI Issue 583 – August 24, 2016

Qube has entered into an agreement with Aurizon Holdings to acquire all of Aurizon’s interest in the Moorebank project, conditional upon financial close with Moorebank Intermodal Company (MIC).

PFI Issue 583 – August 24, 2016

The Australian Competition Consumer Commission has kicked off its investigation into Pacific National’s bid for Glencore’s Hunter Valley coal haulage business (GRail). The ACCC has already looked at Aurizon’s bid for the A$1bn coal train asset.

PFI Issue 583 – August 24, 2016

Northern Ship Support comprising Pearl Marine Engineering, KBR, SMEC, Bhagwan Marine and Macquarie Capital has been selected as the preferred bidder of the A$500m ship-lift facility at Darwin’s East Arm dock in the Northern Territory. The NT government will provide A$100m to the project.

PFI Issue 583 – August 24, 2016

Student accommodation company Campus Living Villages (CLV) is reported to be considering an outright sale of the company that could be worth around A$2bn (US$1.75bn).

PFI Issue 583 – August 24, 2016

The Australian National University (ANU) has signed a 30-year concession agreement with investment management firm HRL Morrison and Co over nine student residences capable of housing around 3,760 students on campus.

PFI Issue 583 – August 24, 2016

Three consortia have been shortlisted for the A$6bn public-private partnership (PPP) to build the Metro Tunnel in Melbourne. The shortlisted bidders are Continuum Victoria – comprising Acciona Infrastructure, Ferrovial Agroman, Honeywell, Downer EDI and Plenary Origination; Cross Yarra Partnership – comprising Lendlease Engineering, John Holland, Bouygues Construction and Capella Capital; and Moving Melbourne Together.

PFI Issue 583 – August 24, 2016

The three shortlisted consortia bidding for Melbourne’s High Capacity Trains public-private partnership (PPP) have submitted revised bids for the rolling-stock project and a decision on a winning bid is expected this month.

PFI Issue 583 – August 24, 2016

Canadian company Barrick Gold has hired Credit Suisse to sell its Super Pit gold mine in WA and bidders are already lining up for the A$1bn sale.

PFI Issue 583 – August 24, 2016

Alkane Resources has signed an exclusive worldwide marketing, sales and distribution agreement with Minchem Ltd for all zirconium materials produced by the Dubbo Zirconia project in NSW and is now talking to lenders to provide around A$500m of project finance.

PFI Issue 583 – August 24, 2016

Origin Energy has started its refinancing programme with the aim of extending the tenor of its debt facilities by three years from 2018 to 2021. The move is part of the group’s efforts to reduce its debt burden that also involves non-essential asset sales.

PFI Issue 583 – August 24, 2016

The Australian Renewable Energy Agency (ARENA) is providing A$17.4m of funding support for Conergy to build and operate a 10.8MW AC solar PV plant with a 1.4MW/5.3MWH of lithium-ion battery storage near the town of Lakeland in North Queensland.

PFI Issue 583 – August 24, 2016

PFI Issue 583 – August 24, 2016

Chinese companies Goldwind and CECEP Wind Power Corporation (CECWPC) have secured a A$293m (US$218m) loan package for their A$400m 175MW White Rock wind farm in northern NSW.

PFI Issue 583 – August 24, 2016

French company Engie is calling for pitches from investment banks to head up the sale of the Loy Yang B coal-fired power station in Victoria and the gas generator at Kwinana in WA. The company has already hired Bank of America Merrill Lynch to sell its oil field off the coast of the Northern Territory. At this stage, the trouble plagued Hazelwood coal-fired power station in Victoria has not been put up for sale.

PFI Issue 583 – August 24, 2016

Private Irish group DP Energy is sounding out banks for A$680m of finance for a 374MW energy park near Port Augusta in South Australia involving both wind and solar. The company received development approval last week.

PFI Issue 583 – August 24, 2016

Goldwind Australia’s Gullen Range solar project has reached a financial close milestone with the Australian Renewable Energy Agency (ARENA) that will trigger the release of grant funding from the agency. Full FC is expected in two weeks.

PFI Issue 583 – August 24, 2016

Origin Energy’s Stockyard Hill wind farm is expected to be officially put up for sale within two weeks. Origin has permission to build a 450MW project worth around A$1bn (US$750m) on the greenfield development site near Ballarat in Victoria.

PFI Issue 583 – August 24, 2016

Japanese company Mitsui has hired PwC as financial adviser to sell its 106.6MW Bald Hills wind farm at South Gippsland in Victoria. The wind farm has a power purchase agreement (PPA) with WA power company Alinta.

PFI Issue 583 – August 24, 2016

Energy Developments (EDL) has executed documentation to increase its multi-currency debt facility with an additional A$200m revolver tranche and A$20m working capital tranche. Both tranches have maturities aligned with current facilities that mature in October 2020.

PFI Issue 583 – August 24, 2016

The private equity owners of WA power company Alinta are preparing an IPO rather than a sale despite a bid from AGL Energy reported to be around A$3bn.

Banking and International Finance #mfc #finance

#international finance



1st in London, 4th in the UK for Accounting and finance courses (Guardian University Guide 2017 ).

The BSc (Hons) Banking and International Finance provides you with the skills required to operate in the competitive world of financial markets, in the key areas including:

  • financial institutions
  • commercial and investment banking
  • bank and corporate risk management
  • international banking
  • banking regulation
  • fixed income
  • derivatives
  • international finance
  • corporate finance
  • economics.

Students can choose several elective modules to focus more deeply on banking and finance, or broaden expertise in areas including accounting, management, strategy and programming languages.


After attending an Open Day and chatting to the Course Director, it wasn’t a difficult decision to apply; the material covered was more in-depth than any other course I found and the opportunity to live and study in central London really appealed to me. One highlight of my time was the wide variety of guest speakers who visit – I particularly enjoyed a talk by Levi Roots, the creator or Reggae Reggae Sauce. I also really enjoyed the module of personal finance, so much so that I decided to focus on this area in my dissertation.

Antoni Piela, Banking and International Finance graduate 2014

Course content

The first part of the course provides a strong foundation in financial markets, banking, economics and accounting, enabling students to relate study to the financial sector from an early stage and develop an understanding of the tools used in applied investment analysis, including mathematical, statistical, database, computing and presentation skills.

Core modules:

  • Banking financial institutions
  • Business skills
  • Finance and investment
  • Introductory financial accounting
  • Introductory management accounting
  • Macroeconomics
  • Microeconomics
  • Quantitative methods

There is a focus on developing theoretical knowledge of banking and financial management, finance and economics. You will also study econometrics, which forms the basis of modelling and testing in banking and finance. You can choose an additional two elective modules to suit your own interests and aspirations from a wide selection.

Core modules:

  • Bank risk management
  • Derivatives
  • Economics of FOREX
  • Financial econometrics
  • International banking
  • Monetary economics

Elective modules – choose two from:

  • Asset management
  • Company valuation
  • Financial accounting
  • Financial accounting 2
  • Introduction to real estate investment
  • Management accounting
  • Mathematical finance
  • Personal finance

You develop a knowledge of international finance and banking and financial management to an advanced level. You also select two electives which can extend knowledge of finance and the applications of mathematical models, enhance understanding of the role of banks in financial markets, or allow a focus on areas including investment or accounting. Finally, you will undertake a dissertation in a financial subject relevant to your interests and career aspirations.

Core modules:

  • Banking regulation
  • Corporate finance
  • Final year project
  • Fixed income and credit risk
  • International finance

Elective modules – choose two from:

  • Advanced financial accounting: Theory and practice
  • Bank strategy and management
  • Business forecasting
  • Corporate governance
  • Corporate strategy
  • Emerging markets
  • Real estate finance and funding
  • Technical analysis

Placements and internships

A key part of a Cass degree is the opportunity to gain professional work experience. BSc Banking International Finance students are eligible to undertake an optional one-year paid work placement during the 3rd year of a 4 year sandwich degree programme.

The experience of working for a leading institution can be invaluable in terms of your future career. It will enable you to acquire skills and competencies sought by graduate employers, and give you an edge over the competition.

BSc Banking International Finance students enjoy a wide range of opportunities in business areas such as Corporate Finance, Operations, Wholesale Markets, and Asset Management.

Students have recently taken up placements within many leading corporate organisations including:

  • AXA Investment Management
  • Bank of England
  • Goldman Sachs
  • Morgan Stanley
  • UBS

Our reputation, achievements and successful graduates have helped us to develop close relationships with a diverse range of companies, who recognise that Cass students can add significant value to their workforce. Our dedicated Placement team are in regular contact with these and many more companies, and will support students throughout the work experience process.

Although this additional year is not credited and will not count towards your degree classification, it is a recognised part of the degree programme and will be endorsed on your final degree certificate.

Study abroad

International study opportunities

In today’s global business environment, international exposure gives you a vital edge in the employment market. A period of study abroad is an excellent opportunity to enhance your education with an international dimension.

Cass Business School gives you the opportunity to spend a year or a term studying at one of our partner institutions. Banking and International Finance students have the option of selecting a Replacement 2nd Year or Sandwich Year Abroad in Australia, Europe, Asia and the Americas.

Available study abroad programme structures and partner institutions

1. Replacement 2nd Year Abroad

You can spend the second year of your three-year degree course studying abroad at one of our partner institutions.

During your time abroad you will cover all core material of your second year Cass programme, taking equivalent courses at the host institution. Teaching is in English, but subjects are taught from a different perspective. Elective modules will enable you to focus on the specialist areas of the partner institution, or the business practice of the country in which you are studying. You can study at one of our partner universities listed below:

Host institution (Replacement 2nd Year, Banking International Finance)

English Language Programmes

If you need to improve your English language skills before you enter this course, our partner, INTO City, University of London offers a range of English language courses. These intensive and flexible courses are designed to improve your English ability for entry to this degree. Please click the links below for more information.

Application and fees

All applications should be made through UCAS . the Universities and Colleges Admissions Service. Applications are made via Apply, UCAS’s online application system.

Institution code. C60 (Cass Business School and City, University of London)
Course code: N302

You can find more information at UCAS and in the UCAS Handbook.

More information about applying to Cass

Fees 2016/17

  • UK/EU students: £9,000 per year (fees in subsequent years may be subject to increases (limited to the Retail Prices Index) dependent on governmental policy)
  • Non-EU international students: £16,000 per annum (fees may increase in subsequent years in line with the Retail Prices Index)

Your career after Cass

The majority of graduates from this course embark on careers in the fast-paced world of global finance. Many join investment banks and secure positions in trading, investment banking and sales, specialising in areas such as derivatives. Others join brokerage houses, enter careers in operations or consultancy, or take up postgraduate study.

A career in international finance and banking will suit you if you are focused, target-driven and enjoy working with numbers. Cass students have a great reputation with employers, and 80% of BSc Banking and International Finance students go straight into graduate jobs (Unistats).

Recent employers have included:

  • BNP Paribas
  • JP Morgan
  • Lloyds Banking Group
  • Morgan Stanley.


Phillip Butler, 2010 Banking and International Finance graduate, talks about his role as a Portfolio Manager at M G Investment Group in the City of London.

F H U Maragat Marek Galus Lion Finance Group – Financial Services – ul #small #business #finance

#lion finance


F H U Maragat Marek Galus Lion Finance Group

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F H U Maragat Marek Galus Lion Finance Group

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Unfair’ loans haunt lenders – Blemain Finance v Peter Bentley #finance #calculators

#blemain finance


T he case of Blemain Finance and Peter Bentley was settled with a Judge s Order on 28th October 2009. To summarise the facts, Peter Bentley had taken a second mortgage over his property for 40,000 but struggled to maintain repayments following the death of his mother and his father s onset of Alzheimer s. The loan went into arrears and by the time he was able to return to work again, the recession had set in and he was unable to earn enough money to pay the loan; his caring responsibilities meant his working hours were slashed from 48 hours per week to a mere 19 hours, which led to a dramatic drop in income, causing him to fall behind with his loan repayments. Blemain Finance took repossession proceedings against him. CCLS, Peter Bentley s solicitors, argued that the loan agreement was an unfair relationship under s.140A of Consumer Credit Act 1974. This section was added into the 1974 Act by the Consumer Credit Act 2006, which repealed sections 137-140, extortionate credit bargains. Unfair relationships are seen as covering a wider ambit than extortionate credit bargains.

CCLS claimed that Blemain Finance had lent to Peter Bentley irresponsibly and claimed they took advantage of the unfortunate situation Peter Bentley found himself in. They questioned the checks that Blemain Finance had carried out on Peter Bentley, such as his ability to afford such a loan.

The matter was settled out of court, but the terms of the Order have been the topic of much discussion. The terms of the Order allowed for the reduction in the monthly payment from 550 t o 150. In addition, no further interest was to be added to the loan. By the time this case settled the loan of 40,000 was worth around 47,000. Crucially, there is a five year stay on mortgage repossession proceedings and after this period, Blemain Finance would only be allowed to take possession of the property if there have been at least 12 months of arrears at the new monthly payments. In the High Court in Cardiff Judge Milwyn Jarman added a further provision that no charges or legal costs could be levied against Peter Bentley.

It is important to note that this case did not end up going to trial, therefore no legal precedent was made. Many have viewed Blemain Finance s out of court settlement as a means of avoiding the setting of a legal precedent. If this case had gone to a trial on the facts, it could have dealt a heavier blow to the finance sector. It is unlikely that Blemain Finance have made this compromise purely out of compassion to Peter Bentley s circumstances but rather from analysing their chance of success, as well as the commercial risk if they were to lose.

With this in mind, what impact will this case have on the industry as a whole? Lenders may now want to proceed with a more cautious approach to lending to avoid similar actions from taking place. It has been reported that CCLS, Peter Bentley s solicitors, have many other claims of a similar nature. It is unknown how many other claims management companies will now plan to take up similar action with lenders. Although no legal precedent has been set, lenders may now find that they are being drawn into these sorts of claims. Following this out of court settlement, does this mean that the flood gates are going to open to the masses? Some would argue that it is only a matter of time before the court will have to make a judgement on these types of cases.

In the meantime, borrowers will view this as a huge victory and it may even encourage those who find themselves in a similar situation to try to argue that their loan is an unfair relationship. In the end though, there is no certainty that all claims of unfair relationships will be meant with a sympathetic ear. The reason there has been so much media attention in relation to this case is because it is widely inconsistent with the increased numbers of repossessions and debt recovery actions that we hear about almost daily in the news.

The banks may remain victorious over the recent unauthorised overdrafts judgement in the Supreme Court but it remains by no means certain who is going to win in the next battle between the consumer and the finance sector.

Blemain finance #finance #now

#blemain finance


Carolyn Ann

Blemain Loan Finance Scammers
Please be aware of this Man posting the message below. This is a scam to get you to part with your hard earned money. No such loan is a safe one.
He has posted this all over Face Book. so be aware.

18 April at 18:49 ·
loan offer
Cape Town, South Africa
We at Blemain Loan Finance we offers loans at 3% interest rates to all our clients around the world, we are 100% guaranteed loan company that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can t get help anywhere in the country, we can proudly say that we extended our business and it is as follows:
We do Business Finance (Business Loan) for up to R10,000,000.00 and Above
We do Consolidation Loan up to 5,000,000.00Ran d even if you are blacklisted or under debt review
We do home loans even if you are blacklisted or under debt review
We do personal loans for up to R3.5,000,000.00 even if you are blacklisted or under debt review
We do Car finance even if you are blacklisted or under debt review
We do 2nd Bonds, Home Improvement and consolidation loans
We do Wedding Finance loan well as well.
We offer the above kinds of loans all at 3% interest
That’s why we are proud to say we are the best and the only company that can assist and will help you.I hope and believe that you will find us and our company and our work to your satisfaction. Have you being declined because of your **** credit history contact us today for your speedy loan Approval and transfer, You can Apply today irrespective of your location or race so far you meet our criteria, Contact us today via email: (blemainloanfin ance
Ashraf Kariem s photo.

This is what I found on the internet about this company.

Petitioning Blemain Finance Harpmanor Limitied and Cheshire Mortgages and 1 other

John Davies Leeds, United Kingdom
Irresponsible Lending
Extorianate Charges And Fees
Decieving People with inhouse companies

undisclosed commission paid to brokers
unfair charges
using court just to add more costs to your loan (not as a last resort)
using a fake debt collection company (monarch) just to add charges to your loan.
letters sent from monarch blatant lie just to add charges, again to defraud you of monies.

Blemain Finance are they a legitimate company?
6th May 11 at 12:26 AM
I have just noted on another site that there has been over 11,000 users raise concerns with reference to the following committed by a company called Blemain Finance who have subsidiary companies. This involves Bullying and intimidation; repossession of property using illicit practices; falsehood and misinforming the judiciary in order to obtain properties; malpractices used by employees in order to obtain funds or assets; astronomical service fees and default penalties; false claims and charges made against clients. Then there is concern about the coveted/ unethical practices such as misinforming customers or not providing customers with information pertaining to agreements taken out with third parties by Blemain.

Considering that some of these practices are unethical and do not meet the requirements of the Ombudsman or Consumer Regulators has this company ever been investigated based on the level of complaints?

I need to know because I have for the last 6 years been attempting to hold on to my property following actions taken by Blemain. I have been taken to court and on each occasion managed to defer orders for repossession. How is it that the Courts are aware that this is a company known for not being charitable and why are they still able to continue doing business using methods associated with loan sharks and now illegal?

Who is behind Blemain Finance?

8 мая в 18:56 · Доступно всем

Google plans to develop website Bharat Saves; to offer information on financial planning – The Economic Times on Mobile #ford #finance

#goggle finance


Google plans to develop website ‘Bharat Saves’; to offer information on financial planning

Google wants to align its Bharat Saves website to the government’s financial inclusion scheme.

NEW DELHI: Google wants to help you save more and invest better.

The US-headquartered technology company with a large India presence is planning to develop a website, Bharat Saves, which will offer information on financial planning.

Google wants to align its Bharat Saves website to the government’s financial inclusion scheme, Jan Dhan Yojana, which has since its 2014 launch seen 24 crore new bank accounts being opened and attracted deposits ofRs 41,000 crore.

A senior finance ministry official, speaking off record, told ET that Google is in talks with the government and that the company’s proposal is being “examined”.

He said the digital platform “may provide a range of financial literacy tools and information on financial products”.

A Google spokesperson told ET: “In line with the Prime Minister’s vision to create greater financial inclusion-. various BFSI organisations and industry associations are coming together to launch a digital platform”.

The spokesperson also said a financial literacy awareness campaign may be part of the plan. Bharat Saves will be an app and website, both of which are being designed by Google.

In the first leg, users have to log into either of the platforms and complete financial literacy modules.

They will need to take a financial literacy test, the certifications for which will be given by the Indian government, Google and an industry organisation.

Target Consumers for Google’s Offering
These will open up a second section of the app/website, where users will be able to see, compare and purchase banking and insurance products. Eventually, more financial product categories will be added and the platform will be linked to PM’s Jan Dhan Yojana.

The target consumers for this platform will be homemakers, small business owners, the newly employed, retired persons and farmers.

Apple pay
Google’s proposal to the government comes at a time another American technology behemoth, Apple, has held talks with the government on making Apple Pay, a mobile payment and digital wallet service, a part of financial inclusion programmes.

Prime Minister Narendra Modi has met several technology company CEOs and deeper participation in the government’s Digital India programme has been on the agenda in these meetings.

“There were some discussions on these issues when the PM met CEOs of top tech giants at the Digital India forum in San Jose, California during his visit to the US,” an official familiar with the issue said.

India’s savings rate has fallen recently – IMF data shows a fall from 36 per cent of GDP to 31 per cent GDP between 2007-08 and now. Household savings have also fallen, with other data showing households save less than a quarter of their disposable income, down from over 30 per cent around four years back.

While stagnant income in real terms/high inflation for many social classes has been identified as a recent factor for drop in the savings rate, economists have long argued that lack of access to modern financial instruments is also a structural contributory factor.

Blemain Finance parent rebrands as Together – Mortgage Strategy Mortgage Strategy #van #finance #lease

#blemain finance


Blemain Finance parent rebrands as Together

By Paul Thomas 21st September 2015 12:31 pm 29th September 2015 3:24 pm

The parent company of Blemain Finance and Lancashire Mortgage Corporation has today pulled all of its lending arms under one bramd Together.

Previously, Jerrold Holdings offered residential and commercial loans through various different brands, including Auction Finance, Bridging Finance and Cheshire Mortgage Corporation.

However, the specialist lender will now offer the same products under the Together brand.

Director Marc Goldberg says: We wanted to create a brand that our staff, our clients and our business partners could all be proud of, which would sum up the way that we work and set us apart as a respected leader in our field.

We had accumulated a lot of different brand names as a result of our long-term success and we wanted to establish a single identity, since ultimately our key proposition remains the same across all our products, and that is taking an individual approach to each case. Often that allows us to respond more quickly and meet tight timescales and that s been a major factor in our growth.

The company, which was founded in 1974, made a pre-tax profit of 70.1m for the year ending June 2015 and lent over 725m over the same period up from 350m the year before.

Goggle finance #harley #davidson #finance

#goggle finance


2012-11-27 2016-09-05 GOOG/TPE_1466 Acelon Chemicals Fiber Corporation is a Taiwan-based company engaged in production and distribution of textile chemical filaments and yarns. The Company provides nylon filaments, polyester filaments, nylon textured yarns, polyester textured yarns, extra-thin compound yarns and compound textured yarns, among others. Its products are applied in manufacture of garments, umbrellas and industrial fabrics, among others. The Company distributes its products within domestic market and to overseas markets, including Hong Kong, Mainland China, Europe, the Americas, North Africa and Middle East, among others.

2012-11-27 2016-09-05 GOOG/TPE_2015 FENG HSIN IRON STEEL CO. LTD. is a Taiwan-based company principally engaged in the manufacture, processing and distribution of iron and steel products. The Company provides steel sections, including angle irons, channel steels and steel flats, which are applied in the factories construction, shipbuilding, power transmission and distribution towers, machinery manufacture, metal products, as well as steel structures, among others; steel bars, which are applied in the construction of office buildings, residential buildings, roads, bridges and tunnels, as well as bar steels and steel rods, which are applied in the manufacture of screw caps, automobile parts, hand tools and others.

2012-11-27 2016-09-05 GOOG/TPE_1309 Taita Chemical Co. Ltd. is principally engaged in the manufacture and distribution of chemical products. The Company produces acrylonitrile butadiene styrene (ABS) resin, general polystyrene (GPS), expanded polystyrene (EPS), impact-resistant polystyrene (IPS), cubic printing solutions and glasswool products, which are applied in the manufacture of information equipment, sanitary products, toys, decorations, packaging products and household electrical appliances, among others. The Company distributes its products within domestic market and to overseas markets.

2012-11-27 2016-09-05 GOOG/TPE_1339 Y.C.C. PARTS MFG. CO. LTD. is a Taiwan-based company principally engaged in the manufacturing, processing and distribution of automobile parts and components, as well as other machines. The Company primarily provides automobile bumpers, bumper caps, water tank shields, head lamp mounting panels, grilles, air deflectors, as well as headlamp mounting panels, among others. The Company distributes its products in domestic market and to overseas markets, including the Americas, the rest of Asia, Europe and Africa.

2012-11-27 2016-09-05 GOOG/TPE_3617 CyberPower Systems, Inc. is principally engaged in the design, manufacture and distribution of uninterruptible power supply (UPS) systems and computer peripherals. The Company’s products include UPS systems, on-line UPSs, portable power converting equipment, energy saving type UPS systems, power protection equipment, power management software, emergency power systems, solar chargers, photovoltaic (PV) inverters, remote power management equipment, as well as computer peripherals and related components. The Company distributes its products within domestic market and to overseas markets.

2012-11-27 2016-09-05 GOOG/TPE_910861 No Description Available

2012-11-27 2016-09-05 GOOG/TPE_5225 Eastern Technologies Holding Limited is principally engaged in the research, development, manufacture and distribution of loud speaker systems and earphones. The Company primarily provides sound boxes and accessories, including single loud speakers, wooden boxes, personal computers (PC) speakers, mini speakers, micro speakers, home theaters and sound bars, as well as earphones, including stereo in-ear earphones, headband earphones, earphones for mobile phones, and multimedia earphones for computers, among others. The Company distributes its products primarily in China, Hong Kong, Brazil and other countries.

2012-11-27 2016-09-05 GOOG/TPE_2356 Inventec Corporation is principally engaged in the research, development, manufacture and distribution of computer products. The Company provides notebook computers, such as mini-notebooks, portable notebooks, mainstream, commercial and consumer notebooks, multi-media and gaming notebooks and others; servers, such as general servers, blade servers, storage servers and others, as well as other electronic information products. The Company also provides server management software, technical support and maintenance services. The Company distributes its products primarily in Asia, Europe and the Americas.

2012-11-27 2016-09-05 GOOG/TPE_2108 Nantex Industry Co. Ltd. is a Taiwan-based company principally engaged in the manufacture and distribution of synthetic rubber products. The Company’s products portfolio consists of styrene butadiene rubber (SBR) latexes, butadiene-acrylonitrile (NBR) latexes, NBR synthetic rubber factices, refining rubbers, as well latex plates and thermoplastic vulcanizates (TPVs), among others. Its products are primarily applied in manufacture of paper products, construction materials, artificial leather products, footwear, automobile parts, sports equipment, electronic components, industrial products and medical equipment, among others. The Company distributes its products within domestic market and to overseas market.

2012-11-27 2016-09-05 GOOG/TPE_3679 Nishoku Technology Inc. is a Taiwan-based company engaged in the design, development, manufacture and distribution of plastic molds and plastic injection components. The Company’s plastic molds and plastic injection components include caps, case fronts, mouse lenses, holder displays, keypads, calculator buttons, battery bottoms, handles, remote controllers, interphone buttons and digital album covers, among others. Its products are applied in communications products, information products, consumer electronics and household products, such as mobile phones, global positioning system (GPS) equipment, game consoles, notebook computers, computer peripherals, office equipment and medical appliances. The Company distributes its products primarily in Asia, the Americas and Europe.

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