Automated Trading Systems

How to fix your own credit problems

A poor credit report or credit score could affect any loans or credit you apply for in the future, so it's important to make sure the information is correct.

If there are errors on your credit report, you have the right to get them fixed. There is no charge for this, but your credit report can only be changed if a listing is inaccurate.

Find out how to check and correct a wrong listing on our credit report.

We also have guidance on how to get a good credit rating on our credit scores.

If you're struggling with debt, a financial counsellor can help you come up with a solution or understand the options available to you. Financial counselling is a confidential service.

Fixing a wrong credit listing should not increase your money worries. Understand exactly what a credit repair company can do and the costs involved. It may be better to do fix the issue yourself.

Vintage 1950s mid size Oris wrist watch.

this gold Vintage 1950s mid size Oris wrist watch. Swiss made hand-winding movement is still working well. with signed Oris Watch Co movement, and seven 7 jewels on a 454. it is truly fantastic

This gents classic timepiece has few rivals,  with only the odd minor mark. This anti magnetic gem is a credit to watchmakers of old.

Currency transfer

sending money abroad is something many of us do either regularly or occasionally, get your choice of currency convertor providers at little or no cost, and send your remittances with unlimited access to international payments through online payment platforms, you have control in the palm of your hand. check the rate, select a beneficiary, make a payment in seconds 24/7 make personal international payments when it suits you.

Pay less, receive more, it’s that simple. Whether you need to pay an overseas mortgage, transfer your UK pension abroad or just send money to cover your living expenses.

This list has all the countries in the world. Looking for a specific country to send money to? Please check out the list provided, it is ordered alphabetically.

Watches

Rotary is one of the finest Swiss watch makers with a long history
Its winged logo is always an instantly recognizable sign of quality
At Candace finance, we have no hesitation in accepting or selling on these watches.

Chaux de fonds local Moise Dreyfuss founded rotary in 1895 & later established in the UK in 1907 with offices, leaving it well placed to benefit from commissions, from the war office to supply its army. Latterly also gain from being favoured by civilians in peace time

2005 saw the introduction of  a divers/swimmers watch, identified by the dolphin logo on the back casing, this was followed by the revelation series of watches.

Property investing

 
Investing money in property is for many a way of not just making money but securing a pension,  and with the current rates of interest being paid by banks it is becoming ever more popular, but are they a good enough reasons to jump on the bandwagon of property investing ? i beg to differ.

the single golden rule that is often forgotten by those in the stampede to buy to invest is,
you have to sell to actually make any money.

now i can already hear all you naysayers shouting no you don’t, you can take out a loan against the property, well yes you can, but you will have to pay it back or sell up, usually at a loss, no such dice with a good old tax free cash ISA or similar products.

other factors are regularly missed by investors in property so here are some fundamentals.

1) decide how you want to invest in property
     (existing stocks, shares or cash)
2) decide how much you want to invest
     (quarter/half or all in)
3) decide where in the UK/world you want to invest
     (the best deal may be outside your town)
4) decide how long you want to invest for
     (fast bucks or long term income)
5) decide if you want to invest with or without partners
     (partnership of one, group or alone)
6) decide on type of property you want to invest in, residential or commercial
     (a mix is usually best if you can get it)
7) decide how much you are willing to loose.
     (investing = gambling, got it ?)

returns ? well 3% - 7% are common at the moment depending on where in the UK you invest, think those figures are a bit low ? well you are right, and even in a booming market don’t expect it to go much above that, the simple reason is because a booming market brings in more players so the market stays relatively low.

as i have said before you have to sell to make real money in property, which is what many of those in the know already do, yes they have their long term slow burn earners, but they also have the flippers or spinners they buy and sell for a quick 20% - 30%+ profit.
If you have never invested before, RESEARCH first and GET qualified help.

funding for lending

funding for Lending, working or not ?

with overall interest rates being low, and many existing mortgagees benefiting from low repayments as a result of their variable rate deals, it is more than apparent that the mortgage market simply is not active as it should be, this has led to a number of injection techniques under or as a result of the ‘funding for lending’.

what are those techniques well here they are in no particular order.

 
mortgages up 30+ on 2 year fixed and 50+ on 5 year fixed’.

mortgages up 13+ on 90% deals.

mortgages up 4+ on 95% deals.

cost of mortgages up 0.01% on 95% deals

cost of mortgages down 0.12 on 90% deals.

cost of mortgages down 0.40 on 60% deals.

20% increase on 80% mortgage availability.

overall mortgage products up by 40

what of the governments much trumpeted ‘funding for lending’ being of help to homebuyers, well, depending on where you are in terms of income and availibility of mortgages, you are either a believer or not, as for me i believe.

recently a number of banks have started to if not return to the 90 % mortgages market, although it may not seem so to you if you are a first time buyer, that is in fact a very good sign for all looking to buy regardless of your position in relation to getting a mortgage, these changes may be to late for 2012 but you should hang in for more gains in .2013.


there are many low rates being advertised at the moment but closer inspection often reveals a high arrangement fee making it not worth the the time let alone your money, working out your overall cost across the time of the loan is crusial.