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# Budget 2019: Use an Fixed Deposit calculator to determine your tax liability

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Come this time of the year and your mind will be on taxes and how to save finances wisely. Couple that with the newly announced tax exemptions and you have every reason to want to determine your tax liability accurately.

The interim budget 2019 has made way for nil tax payments up to Rs.5 lakhs for resident individuals falling under Section 87A. As a fixed deposit holder, you should know that the interest earned on your deposit is taxable.

However, you can land up saving tax on FD should you fall in the exempted bracket. Using a fixed deposit calculator is a great way to get precise interest figures and thereby determine your tax liability. Let’s take a few examples and understand how much you will pay as tax for FY 2019-2020.

## Bank or post office FD

Example #1: Let’s say your gross yearly income is Rs.10 lakhs and you invest an amount of Rs.1.5 lakhs in a tax-saver FD at an FD interest rate of 7% compounded annually.

By feeding in these details into an FD calculator you will get the interest accrued at the end of one year as Rs.10,500. Now let’s look at how this affects the tax you pay.

=> Your interest accrued gets added to your taxable income which now becomes Rs.10,00,000 + Rs.10,500 = Rs.10,10,500.

=> Since this is a tax-saver FD you qualify for a deduction of Rs.1.5 lakhs. Your taxable income now becomes Rs.10,00,500 – Rs.1,50,000 = Rs.8,50,500.

=> This deduction helps you move from the 30% tax slab to the 20% tax slab.

=> As per the calculations for this slab, you pay Rs.87,984 as tax for FY 2019-2020.

=> Note that banks will not cut TDS, as the current interim budget has increased the tax -free interest limit from Rs.10k to Rs.40k

Example #2: Assume that you have an annual salary of Rs.6 lakh and invest Rs.1 lakh in an FD compounded annually and are earning interest at a rate of 8% from it.

Feeding this information into the FD calculator gives you the interest earned at the end of the year. In this case, it is Rs.8,000. Now, let’s compute your tax liability.

a. Your taxable income currently stands at Rs.6,00,000 + Rs.8,000 = Rs.6,08,000.

b. You currently fall under the 20% tax slab and you will land up paying Rs.35,464 as tax.

c. However, if you are eligible for any deductions under Sections 80C, 80G, 80E and the like then you can save even more.

d. Let’s assume that your deduction amount to Rs.1.2 lakhs. Your taxable income now becomes Rs.6,08,000 – Rs.1,20,000 = Rs.4,88,000.

e. You now pay Rs.0 as taxes for FY 19-20!

### Non-banking financial institution FD

Example#1: Consider that you invest a sum of Rs.3 lakh in an FD that offers you a 9% interest rate for 3 years. Your annual income is Rs.6 lakhs.

The FD calculator uses these values to quickly compute your interest earned at the end of the year as Rs.27,000. With these figures, let’s take a look at your tax liability

=> Your taxable income stands at Rs.6,00,000 + Rs.27,000 = Rs.6,27,000

=> Since your FD does not qualify for a deduction your taxable income remains the same and you fall in the 20% tax slab.

=> With this taxable income, you will pay Rs.39,416 as tax.

=> However, consider that you have deductions coming in from other sources like 80G, 80E and so on.

=> Should this amount to Rs.1,27,000, your taxable income would become Rs.6,27,000 – Rs.1,27,000 and you would pay Rs.0 as tax!

Example#2: Perhaps you just started working and are looking at making a small investment of Rs.25,000 to start off with. Assume that the NBFC offers you an interest rate of 8.5%. Your annual salary is Rs.4 lakhs

The FD calculator quickly computes that at the end of the year your interest earned would amount to Rs.2,125. Now, take a look at how much tax you need to pay.

=> Your taxable income amounts to Rs.4,00,000 + Rs.2,125 = Rs.4,02,125.

=> Since your taxable income falls under Rs.5 lakhs you are eligible for a full tax rebate and hence pay Rs.0 as taxes!

=>Since interest earned from all NBFCs is less than Rs.5,000 you can avoid any TDS payments as well by simply submitting form 15G/H.

As you plan your finances this financial year, consider this outstanding fixed deposit that offers you high interest rates and other convenient features – Bajaj Finance Fixed Deposit. Here, you can get interest rates as high as 9.10% if you are a senior citizen, 9% if you are an existing customer and 8.75% if you are a first-time FD account holder. Bajaj Finance keeps the security of your finances as a top priority and hence it’s FD comes with stable ICRA and CRISIL ratings.

With this FD, you can tailor your tenor to match your financial strategy by choosing between terms of 12 to 60 months. You also get the option of taking back the interest accrued at maturity or of getting regular payouts all through the investment tenor.

Should your interest earned across all NBFCs be less than Rs.5000 and you fall in the tax exempt bracket, you can claim tax rebate by filling up form 15G/H. Planning your taxes can be done with ease by using the Fixed Deposit calculator.

With just Rs.25,000 required to open an account an effortless online application form available you are just moments away from earning big returns during FY 19-20!

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There are many version and editions are available in Quickbooks in the market. The level of reliability which Quickbooks Desktop version has been able to maintain is incomparable to others. Quickbooks Desktop Support can help you and get the right information about software. It is powerful software built with innovative features. Other software or set of program it too has limitations. Quickbooks Desktop given several error- some of them occur due to lack of knowledge and other due to issue with the system, server and unknown mistakes committed by user.

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There are many version and editions are available in QuickBooks in the market. The level of reliability which QuickBooks Desktop version has been able to maintain is incomparable to others. QuickBooks Desktop Support can help you and get the right information about software. It is powerful software built with innovative features. Other software or set of program it too has limitations. QuickBooks Desktop given several error- some of them occur due to lack of knowledge and other due to issue with the system, server and unknown mistakes committed by user.

### What reasons make QuickBooks work area not opening issue?

There are such huge numbers of reasons which do not let your QuickBooks work area programming begin, however more often than not issue is experienced when any application identified with bookkeeping programming is open out of sight. The prescribed arrangement is to end the procedure and restart the product by reaching QuickBooks Desktop Support Phone Number.

### QuickBooks Desktop does not begin issue

Beneath referenced ways with well ordered methodology are prescribed to fix work area does not begin mistake:

#### Close all procedures running out of sight

• Go to the windows taskbar and pick the choice for beginning errand supervisor.
• Next, pick the “forms tab” and then choice, “name” for arranging every single obvious procedure in sequential order request.
• After that click qbw32.exe and pick end process for shutting the foundation procedure.

#### Check and confirm whether QuickBooks is working appropriately

• Go to the symbol of “QuickBooks work area program, make right snap pursued by a long press of a ctrl key. In conclusion, click the open tab.
• At that point get to the organization record.
• It is a critical thing to recollect that key ctrl ought not be left until the client is shown with no organization open screen.
• Give sufficient opportunity to QuickBooks so as to give it a chance to run legitimately. Some of the time continued tapping on the symbol can likewise avoid the product to open appropriately.
• Aside from previously mentioned two arrangements you can likewise resolve this issue by utilizing QB introduce the program, fixing the product establishment procedure and handling clean uninstallation and reinstallation of programming. You can likewise get a recommendation from specialists at QuickBooks Desktop Support Phone Number to fix QB introduce blunder.

### Method to Run QuickBooks install apparatus

Quickbooks install is an uncommon sort of demonstrative device that is exceptionally useful to fix a wide assortment of blunders experienced while opening QuickBooks Desktop. Thus, you can have a go at downloading and introducing this indicative device by following the means given beneath:

• Download QBinstall instrument and spare .exe record on the nearby work area.
• Pursue the apparatus shutting all projects running out of sight.
• The setup takes around 20 minutes for effective establishment of hardware relying on web speed and framework execution.

• Next, run the device and ensure that all segments are refreshed cautiously.
• At long last, Restart the PC.

Clean establishment is the procedure which incorporates establishment of all records in new envelopes with a similar area of default organizer. At the point when each arrangement flops, at that point you can attempt clean establishment and reinstallation of QuickBooks work area.

On this stage, specialized officials are all around prepared and realize how to determine a specific question in a first class way. In the event that you are encountering the specialized obstacles with the product that are expressed beneath, at that point you can contact the QuickBooks Desktop client administration group immediately.

The back-end group will dependably attempt to offer you drawing in arrangements instantly. Presently, keep an eye out a rundown of such blunders. If you have any problem to connect us Quickbooks Customer service number and get the information on your problems. Quickbooks provide instead solution and we are available 24 hours per week.

• There are a few issues in introducing and refreshing the product.
• You are not ready to determine the Payroll administration server issues.
• Your QuickBooks is backing off in the multi-client mode.
• Issues in running the bookkeeping instrument properly.
• Error eject when the organization document is harmed.
• You aren’t ready to recuperate the erased information.
• You can’t make checks precisely, and so on.
• Issues in sorting out the monetary.

# Do Businesses Really Need a Field Force Management Software?

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A field force management software allows businesses to monitor sales through a variety of features like adding, deleting, managing, and updating orders. Most of the field force software come with a web dashboard for managing, creating and deleting products.

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Providing exemplary services to customers is one of the prime concerns for businesses all over the globe. There are quite a few factors that businesses need to consider like managing installation, schedule jobs, orders, manage field sales personnel, and deliveries. Keeping control over all these aspects manually can be a daunting proposition. In order to streamline all the processes, businesses need a custom field force management software that automates the different processes.

Let’s have a look at the below reasons which highlight the importance of a field force management software for businesses.

A field force management software allows businesses to monitor sales through a variety of features like adding, deleting, managing, and updating orders. Most of the field force software come with a web dashboard for managing, creating and deleting products.

Keeping a track of the daily activities of merchants, vendors and retailers are also possible through the software solution enabling the field force managers to manage sales in an efficient manner.

A field force management software allows managers to keep track of all activities that the team is involved. This is done through direct reports that include order bookings, field sales visits, GPS location and many more.

A few of the modern field force systems are also able to generate MIS reports which are made by using customer behavior and surveys.

These help businesses in devising strategies which will help them succeed in the future.

With the advent of mobile devices, field force software solutions are available in the form of mobile applications. This enables a field force manager to have an update of all the activities and tasks of the team easily on the go.

These updates are available in the form of SMSs, emails, as per the convenience of the user. Having a real-time update of the team is quite essential as it allows the field force managers to solve and provide a solution to the issues faced by the field team.

### Integrating with Back-End Systems

One of the features of a modern field force management software is the integration with the major back-end systems like ERP, CRM, etc. This allows bringing all the departments together that has an impact on the overall performance of the team. The field force software is only going to grow further with the integration of newer external systems.

### Summing Up

In the past decade or so, businesses have adopted a lot of measures to enhance their sales and develop a positive rapport with their customers. A field force management software is an important addition towards achieving this goal. There are a plethora of field force software solutions out there that offer a lot of features to help your business grow and reap benefits.

Choosing the best solution for your business demands a thorough analysis of the feature set offered by it. While picking out any solution ensure that it offers all the features and functionalities that would be beneficial for your business.

# Promote Reliable XM Broker To Earn Huge Money

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Many ways you can promote XM as a reliable broker to your friends, family and communities which one of them is adding them to your WhatsApp group and ask them to join via your affiliate link to get the VIP forex signal benefit.

As well, you can promote through paid or free traffic in different ways –

– Create a blog and write a post about XM.
– Offer Forex signals benefit in a public forum related to Forex.
– Promote in other social media including YouTube.

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Got stuck or amazed reading this title of this post? Then Ok, I’m coming to the point. My question is:

• Are you professional forex trader?
• Got successful forex trading strategy?
• Are you affiliate marketer?

Wants to share your successful trading strategy with newbie who are suffering to make any money from trading while you make money becoming an affiliate with a reliable XM broker?

Then this post gonna help you to take you into next step where you’d learn how to earn money from XM referring your friends, family and communities while exchanging strategy they you’re using successfully.

Now the question is –

### how to develop a community, where to build up that community?

If you’re a professional trader with experienced in your basket then teach others to become successful while they make profit and you earn commission. If you’ve a good follower based on Facebook and other social media including WhatsApp then you can start from scratch.

Create a WhatsApp account if you don’t have one. Open a WhatsApp group naming ‘Free Forex Signals’ or something new like that. Share your WhatsApp group link with your Facebook followers or community as well other social media channel too.

If you don’t have community just develop and build a community on these social media to expose yourself. As example: create a Facebook group or join as many Facebook group as you want which is related to Forex trading. Then ask these people through an amazing post or offer them free signals under special condition to join in your WhatsApp group.

Now ask them to join in a reliable broker; XM with your affiliate link to get unlimited benefit of your free VIP forex signals to make profit up to 50% – 200% in each trade. Also instruct them about their trading account how should be and how to place order nicely on given signal as well teach them different trading strategy if they wants to learn. If they’re happy with signals then stay there.

### Who will Join as my affiliate on XM?

People from all around the world who are interested to trade with your signal and follow the direction as follows:

• Who need trading strategy that winning rate more than 95% and accurate.
• Who wants to make good profit in every week or month.
• Who can take minimum risk as financial market always is a risky platform to trade on any asset.
• Have knowledge that nobody in the world can predict 100% profit.
• Need to understand that if they wants 100% profit in each trade then there is equal risk to loose.
• Can manage trading account as per direction by signal provider like you.

## How to promote XM broker?

### How much can you earn from XM affiliate program?

There are no minimum earnings limit. You can earn money as much as you can. To earn long time and huge commission, you need to trained up your affiliate how to trade on forex to make profit because as long as they stay and trade you make commission. So the first priority should be your affiliate who trade, not a specific broker. We have just promoting XM here because we’ve got it very powerful and reliable. As well, XM is a regulated broker which you can trust.

You can earn \$1000 every month depending on your affiliate how many lots they’ve used to make profit. You can earn up to \$10 per each lot while your affiliate make good profit out of each trade. You don’t earn any commission if your affiliate stopped trading.

If you have 100 active forex trader using XM via your affiliate link and making at least 10 lot trade each month means they’re making huge profit and you’re getting huge commission. As example: 100 * 10 = 1000 means 1000\$ from 100 active traders.

Commission comes from spread where both broker and affiliate earn money. Just exactly this is the scene behind broker business too.

### How to withdraw money from XM as an affiliate?

First you make sure, you’ve submitted ‘Proof of Identity’ & ‘Proof of Residency’ documents and validated by XM customer manager to withdraw your commission. You can withdraw minimum \$50 via Skrill, bank wire and Neteller.

### Final words

XM affiliate program is very powerful and profitable. I highly recommend you to join as affiliate partner and make the best profit out of it.

5 (1 vote)

# The Public school advantage: Why you should choose a public school for your child?

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Public schools are for everyone

Public schools serve everyone in the community. Everyone can take admission to public school. There are no criteria which one has to follow to get admission in public school.

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Most people have a false perception regarding public schools that these schools are second rate schools and if you can send your children to a private school then you should do so. But what if I say your assumptions are completely wrong and what if I say that public schools are better than private schools.

These days, the biggest question that parents have is that “which school is a better school for their child”? Most parents take education very seriously for their child and look for better schools at the early age of the child. That is such a great sign that people know the importance of education. Parents have several numbers of options to choose from, they can choose a public school, a private school or a home school for their child.

### How home school is not a good option?

The biggest reason why parents choose a home school for their child is to keep their child protected from bullying or outer activities. Right? Yes, protecting your child should be your priority but one day your kid will have to face the world. If you keep your child constrained to home then you can’t prepare him/her ever for the world. Your kid should be aware of the situations and dangers across the world and should be prepared for the same. That is why the home school can’t be considered a wise decision for your child.

This makes public and private schools better options to send your child. Because here your child will face the social situations of the world and learn to handle them as well. Your child will learn to make friendships.

### How public schools outperform private schools?

#### Public schools are for everyone

Public schools serve everyone in the community. Everyone can take admission to public school. There are no criteria which one has to follow to get admission in public school.

Thus when you attend a public school, you will get to know the people from every corner of the community. You will meet people from a different religion. Public school is for everyone. The one, who born without any power or money can make their lives better with the help of the public schools.

#### The students at public schools perform better than private school students

Several politicians say that charter schools are a better option than that public school but when it comes to the results then public schools perform better than charter schools. The charter schools don’t have to follow the same rules and regulations that public schools need to follow thus charter schools are more flexible as compare to the public schools.

According to research, it has been proven that the student’s performance at charter schools is worst when compared to the performance of the public school students. So, as a parent, consider the performance of the schools at first and then choose the right school for your child.

#### Private schools are not always better

However, private schools portray them as a better option when compared to the public schools but it is not always the truth. It is very easy to show off the scores of the students with the support of family and lots of available resources. Right? When we compare similar students with same backgrounds and same family income, then the result shows that public schools perform well than private schools. The statistics prove that your child will get an excellent education in public school as millions of other students are getting. If you want overall growth of your child rather than just seeing their scorecard, public schools are a better option.

#### Public schools works

Statistics show that students that learn and studies in public schools take admissions in the world’s top colleges and universities. So no one can deny the fact that public schools do not work. The parents who can’t afford to send their children in private schools and can’t help them in their increasing homework at night then sending your children in public school is an ideal option. Public schools decrease the gaps between the students whose parents can help their kids in all subjects such as algebra, science and can help them in their homework to those whose parents can’t help their children.

Students whose parents don’t have time, whose parents are doing multiple jobs, whose parents can’t speak English and whose parents can teach their children don’t have to worry because in public schools all students can learn and can make their future brighter.

### Conclusion:

Considering all the above-given facts, if you want to choose the best public school for your children then Academia Avance Charter is the right school for them. It is a public charter school where the school has the flexibility to change a few rules if there is a need to offer a better education to the students so that they can grow well and can have a bright future ahead.

# Why Investors Shouldn’t Waste a Moment Before Locking in Their FD

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There are many benefits of investing in an FD, some of which are as follows:

Minimum deposit of Rs. 1000 to Rs. 25000.
Guaranteed returns of the invested money without the influence of fluctuations in the market rates.
Flexibility in choosing the tenor of the FD from 12 months to 60 months.
Option to select the frequency of FD interest payout and the type of FD.
Facility to take a loan against FD in case of emergencies and flexibly repay the money.
You can apply for an FD online with minimal documentation and quick application form.

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Saving money is something we hear about right from the time we start earning. The primary step to saving money is opening a savings account. You can deposit as well as withdraw money as per your preferences. The interest rates earned on savings account are comparatively low than other investment options.

The most secure investment option in India right from the start is Fixed Deposit (FD). As the name suggests, you have to deposit a lump sum amount in a fixed deposit account for a fixed tenor.

The FD interest rates are higher than that of a standard savings account. Earlier bank FDs were only considered to be the secure option.

However, Non-Banking Financial Company (NBFC) with high credit rating offers higher FD interest rates as compared to bank FDs along with the security of the invested money.

## Why should you invest in an FD?

There are many benefits of investing in an FD, some of which are as follows:

• Minimum deposit of Rs. 1000 to Rs. 25000.
• Guaranteed returns of the invested money without the influence of fluctuations in the market rates.
• Flexibility in choosing the tenor of the FD from 12 months to 60 months.
• Option to select the frequency of FD interest payout and the type of FD.
• Facility to take a loan against FD in case of emergencies and flexibly repay the money.
• You can apply for an FD online with minimal documentation and quick application form.
• You can make partial withdrawals by paying penalty charges for the same. However, it is not advisable to make partial withdrawals so as to enjoy the complete benefits offered.
• If you invest in prominent NBFCs like Bajaj Finance, you can also manage your FD account online using the portal, Experience.
• You can Calculate the FD Interest Rates as well as the maturity amount using the online FD calculator easily accessible from the website of the financial provider.

### Cumulative and Non-Cumulative FD

When applying for an FD online or offline, you have the option to choose between a cumulative and a non-cumulative FD. In a cumulative FD, the interest rate is calculated on a quarterly or an annual basis. This interest rate is accumulated and added to the invested money and is paid to you at the time of maturity.

With a non-cumulative FD, you can select the frequency of the interest payout on a monthly, quarterly, bi-annual, or annual basis. Usually, the FD interest rates offered with a cumulative FD is higher than that of non-cumulative FD.

If you deposit in market-linked investment options, there are high chances of your money not being returned. You may earn high returns, but the volatility of earning makes it a risky investment option. You cannot determine the returns that you may earn from such volatile investment options.

On the other hand, if your investment in non-volatile investment options such as Fixed Deposits, not only will your investments be secured but also you can calculate the returns as well as the FD interest rates using the online FD calculator.

Moreover, if you invest in NBFCs such as Bajaj Finance, you can avail FD interest rates up to 9.10% which the considerably higher than all other investment options as well as bank FDs. Senior citizen applicants, as well as existing customers, can enjoy increased FD rates.

### How to Apply for an FD with Bajaj Finance?

You need to determine the idle money, and that will be of no use in the near future. Next, you can visit the website of Bajaj Finance and check your eligibility criteria as well as read out the terms and conditions of the company.

Once you agree with all the terms, you need to find out the online FD calculator from the website. By providing few necessary details such as the type of the customer (existing, new, and senior), amount to be deposited, type of FD, the frequency of interest payout, and the tenor, the expected FD returns from your investment shall be displayed on the screen.

You can manage your funds accordingly and apply online. You will need to fill a quick application form, submit a few necessary documents and deposit your money online via NEFT/ Cheque/ IMPS, etc.

A representative from the company shall approach you to collect your application form and the required documents. As soon as your application and documents are processed and verified, your FD account shall be activated.

# Best FX Broker Online You Need To Choose

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Here are the list of authority which regulate broker you can choose and trust are:

– FCA (Financial Conduct Authority).
– FSA (Financial Services Authority).
– CySEC (Cyprus Securities and Exchange Commission).
– CBI (Central Bank of Ireland).
– ASIC (Australian Securities and Exchange Commission).
– BVIFSC (British Virgin Islands Financial Service Commission).
– MAS (Monetary Authority of Singapore).

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## Basics of FX Broker Online You Need To Choose

There are many International and Local FX Brokers available online to choose start trading but the main things is you need to choose the right one. Before choosing a broker, there are 9 criteria to evaluate them which you need to follow to be aware of scam out there.

### What is a broker?

• They are your margin FX provider.

#### What is the difference between all of this trick and types of business model and types of broker?

If you’re in Forex to make money so it’s depending which broker you choose. Basically there are two main types of broker according to my point of view which comes from Dealing and Non-dealing desk.

#Type 1 – Market Maker: Broker which comes from Dealing desk act as Market maker. They make money when you loose money, they loose when’re making money. So conflicts of interest there is because these type of broker can pull the price all the way down to stop loss and purposely make you get stopped up term (trade).

#Type 2 – ECN & STP: Broker which comes from Non-dealing desk provide the ECN (to play short to play long basis), ECN is long form electronic process network.

STP is Straight Through Processing. It means that they pass your order straight through to a liquidity provider which is for example like a bank so what happens is let’s say we make a bitrate they’ll pass you to a liquidity provider that will give you the best price.

So the good news about STP is that there’s no conflicts of interest. They will provide both fixed and tight spread. They charge commission or take profit from spreads.

If you’ve a reliable broker that offers no spread, tight spread or fixed spread commission, you can choose to trade to make money online. If you don’t know how to choose a good broker then these 9 criteria below will help you to choose the right one.

Highly Recommended Regulated Broker

## Top 9 criteria you need to make sure before choosing a broker

Here are the 9 Criteria you need to make sure the broker has before choosing one:

### Criteria #1: Regulated Broker

When you choose a regulated broker, particularly if it’s regulated in your country or regulated by trusted broker, you may feel safe. As I’m living in Bangladesh so whenever brokers regulated by authority of Bangladesh I would feel more secure.

It’s more helpful to have a regulated broker staying in your country and have a chamber as well office to make any contact with them related to your trading and other question.

Here are the list of authority which regulate broker you can trust are:

– FCA (Financial Conduct Authority).
– FSA (Financial Services Authority).
– CySEC (Cyprus Securities and Exchange Commission).
– CBI (Central Bank of Ireland).
– ASIC (Australian Securities and Exchange Commission).
– BVIFSC (British Virgin Islands Financial Service Commission).
– MAS (Monetary Authority of Singapore).

These are high authority regulator you can see if the broker are authorized by. Also check if the broker authorized by and has more than one authority that regulated them.

You also has to look if the authority has strong history and financial standings because if the company has problems with its assets and it doesn’t has enough liquidity guess what happen if the company collapse suddenly your funds also will go. The better the financial stability the better they are in business. Your authority might be different according to your country. Google it if you need to know the authority in your own country.

### Criteria #2: Fast Trade Execution

You need to make sure when you trade on any specific trading platform there is no freezing, no constant requoting if like that happen then it is a market maker and broker comes to loot your money.

You also need to make sure the platform you’re using is strongly stable and there is no crash and issue. Simply start deposit with any trading amount to test them if any above things happen just leave them.

### Criteria #3: Suitable Account Type

Make sure that your broker offers you an own personal trading account. Make sure your broker offers the kind of leverage you’re looking for. Also make sure the broker you’ve an account offers margin requirement you’re looking for. So good level is between (30 – 50)% and of course depending on individual trader. It might be more or less.

Also make sure your broker offers the Asset class that you’re interested to investing in or trading in. You need to make sure that your broker offers all the different lot size you will trade that you’re looking for ex: mini lot, micro lot and especially with very small account.

The fourth of criteria is keeping low cost to start your trading business as low as possible. Some will cost a fixed spread, some will costs charge which is variable.

The question is should you pick fixed or variable spreads? Answer is: It’s depends on you as trader. If you’re going to pick the fixed spread then there is no reason to go wider which is provided by broker in variable spreads. Think wise then choose which one suit best of you.

### Criteria #5: Stable & Easy-to-use Trading Platform

The 5th criteria make sure your broker offers a very stable trading platform which is easy-to-use and user friendly. If you have most sophisticated broker in the world, most sophisticated user friendly trading platform for trading but if you don’t know how to use it little bit ex: buy and sell; then there is no point trading with that platform.

Make sure that your broker offers the following things:

– Technical Indicators.
– Basic Order Types.

### Criteria #6: Customer Experience

If you believe your broker loves you so much, taking care of you and a good broker so you need to make sure through a test about their customer experience. If you send them an email just asking for help that you’re in a open trade can’t close and answer coming from them like:

“We’ve received your query, we’ll get back to you within three business days and even you don’t hear them in 4th and 6th days and if another day there is answer is: we’ll only be able to answer in working days then you need to change your broker because they’re not care about. They’re market maker comes to loot your money. As a trader, you should get fast customer service when you’re stuck in.

You should look at if your broker has:

– Fast and instant e-mail services.
– Fast Live chat.
– Dedicated Customer support.

### Criteria #7: Easy to Withdraw

When you’re suppose to withdraw and get the funds within business days that means your broker is good. If your withdrawal takes more than 3 business days and awaiting you then something is wrong you need to make sure choosing this as your regular broker.

If your deposit is faster than withdrawal should take same time or little bit more to rate this broker good. Also make sure that your trading account should be very similar as your bank account.

You should make sure your broker offer deposit and withdrawal using following method:

– PayPal, Bank Account, Skrill and other electronic payment method that is secured.

Also keep in mind that never use your credit card or debit card to deposit fund with broker; because if the broker is scammer then you will loose fund even the balance in your credit card account. So be careful before choosing a broker.

### Criteria #8: Good Educational & Supporting Materials

Make sure that your broker offers very good educational and supporting materials mainly webinar, tutorial, seminar to attend every single month that also shows that they’re really care about their customer.

### Criteria #9: Comprehensive Market Analysis and Tools

The broker that provide you resource materials, tools which is helpful and useful for your trading that also shows you that they’re care about as a trader or person.

### Final Words

If the broker you’re going to choose have a lot of bonus, if they’ve won industrial awards, if they’re ISO certified that shows they’re good broker too. The best broker you wants to pick on your choice and needs. If you’re interested in trading and looking for a broker then we’d highly recommend XM and FXTM. If you’re looking for FREE FOREX SIGNALS then you can join us on WhatsApp. To Join our VIP FREE SIGNALS group you must register as our affiliate so we earn some commission while you make profit. Thanks for read.

Risk Warning: Your capital might be at risk when you’re investing or trading in Financial Markets. So be careful before begin your Forex journey. First learn and then earn. We do not encourage to invest we guide you.