Modern UK Businesses Need Accounting Software

If you have been hearing about companies all around you adopting accounting software but you believe you can manage without it, you’re right, you can. Your business won’t collapse overnight.

However, you’ll miss out on the productivity and professionalism that adopters of accounting software will possess and display. Your team will be less happy than their teams. They’ll have the ability to access better earnings. And slowly, but surely your less technologically-enabled business could fall behind its peers and competitors.

Of course, for some businesses, it is more about the need to check best UK accounting software and opt for it. If this is your dilemma then what you need to know is that trials are free with accounting software in the UK, even the premier ones like Dext. 

We’re going to give you a double benefit out of this article. We’ll give you a list of reasons why you need accounting software that also doubles up as a must-haves list when you are checking for the best UK accounting software. All of these features come as part of the package or are bundled in free with accounting software in the UK. Watch for our “Ensure your potential accounting software has” after each point and use it to make a checklist that can help you drive a hard bargain.

Benefit # 1: Happier team with less admin anxiety

You can shave hours and hours of mundane work off your team’s day with accounting software because it allows for data from receipts, bills, invoices – and even bank statements – to be extracted from mere photos, scans, or PDFs of these or from an online source.

Optical character recognition tech is able to return an editable and copyable digital text version of the original source document.

  • Ensure your potential accounting software has: receipt scanning software

Benefit # 2: Smoother invoicing

From forgetting to send invoices, to incorrect invoices that need to be corrected and re-sent, not to mention payment settlement delays from the client’s office, businesses lose a good chunk of capital because of old-fashioned invoicing SOPs.

And then there are shoddily formatted invoices that lack consistency, that might not cost you any hard capital, but certainly brand you as a mom-and-pop shop.

Accounting software lets you have crisp professional-looking invoices, reminds you to send invoices, reminds clients to pay, tells you when an invoice has become overdue, and updates you when your clients open or pay up invoices.

  • Ensure your potential accounting software has: a client dashboard, invoicing software inbuilt

Benefit #3: Fully (financially) informed decision making

Because of the automation of data entry and the fact that you can link your business bank account to your books (and the fact that many free UK accounting software come with a partner mobile app)  you always have live access to your books. Anytime. And Anywhere. Y

  • Ensure your potential accounting software has: live, on-the-go access, although this is the basic premise of such UK accounting software with free trials and as such you should not have to look for it or insist on it

Benefit #4: Potentially improved productivity from actionable business insights

With all that data running through its artificial intelligence brain, your software can figure out where you are overspending or underearning. It delivers these insights – like supply chain leaks for example – simply, regularly, and spontaneously.

  • Ensure your potential accounting software has: the ability to deliver spontaneous business insights at regular intervals

Benefit #5: Delegate expense approvals while still maintaining ultimate control

As your business grows you may want to focus on bigger tasks and have trusted team members approve capital expenditure and reimbursements requested by the rest of the team. Free UK accounting software lets you stay in the loop (and request answers on specific line data whenever required) while delegating the actual approvals.

Ensure your potential accounting software has: at-a-click-approvals and the ability to add expense approvers.


Eligibility Criteria & Documents Required To Apply For Loan Against PAN Card

Earlier, personal loans would be processed through a complicated mechanism of paperwork and visiting the bank branch. But now that Non-Banking Financial Companies (NBFCs) are making headway into providing personal loans with ease, things have changed radically. Now you can easily get a personal loan with a PAN card.

Eligibility for PAN Card Loan

To get a PAN card loan, lenders set certain eligibility parameters that a borrower must fulfil. These parameters are as follows:

Age Limit

To get a loan with a PAN Card, age plays an important role. Most lenders will set the age limit where the minimum age would be 23 years while the maximum is 55 years. This age range gives lenders a greater certainty of getting the loan paid back.  But certain reputed NBFCs can make things a bit flexible by extending this age range where the minimum stands at 18 years, and the maximum goes as far as 60 years.

Income Proof

You need to have an income to get the loan sanctioned in the first place. The loan amount you get is directly related to your monthly income. Hence, you must submit your income proof to apply for a personal loan. There are loans without income proof, but even there, you have to show other loan sources for the loan to be sanctioned.

Indian Resident

If you are applying for a PAN card loan in India, it is quite self-explanatory that you must be a citizen of India. Your residency would be proven by the documents you submit to the lender. For a PAN card loan, click here to know more.

Documents Required

As the name suggests, a PAN card loan requires a PAN card for the loan to be approved. Apart from a PAN card, you will also be required to submit your Aadhar card. Lenders use PAN cards and Aadhar cards for KYC verification. These two documents would be more than sufficient for you to get a personal loan.

Advantages of PAN Card loan

When you use a PAN card to get a loan, you derive several advantages from it. Most of these advantages are provided by NBFCs. So, you should seek an NBFC to get a loan via a PAN card.

Paperless Verification

A loan with the help of just the PAN card and Aadhar card makes the entire process of getting a loan easy. You do not have to spend a considerable amount of your valuable time filling up one paper after another. By just uploading these documents, you will be able to access the loan with quite an ease in a matter of minutes.

Instant Approval

When you apply for a loan that involves no paperwork, save your PAN card and Aadhar card. The verification process becomes quick and smooth. With the help of just these two documents, it does not take long for the lender to get the necessary information needed for the loan. As a result, you get a loan approved instantly.

EMI Selection

With NBFCs, another advantage you get with a PAN card loan is that you can choose the EMI and tenure of your loan. Whether you want to pay the loan in a short tenure or long will be totally your choice. The EMI amount and interest rates would be adjusted accordingly.

Zero Collateral

As the loan you get through your PAN card is an unsecured personal loan, it will require no collateral. With just your income proof, you will be able to get the loan without needing to compromise on any of your valuable assets.

Thus, the entire process of getting a loan with a PAN card is quite simple and easy. You also get to enjoy numerous benefits of this loan. So, if you are looking for an instant cash loan, go for the PAN card loan option.


Why Virtual Bank Accounts are the Key to Seamless Cross-border Trade

In this economic climate, digital transformation is more crucial than ever for banks and fintech companies looking to succeed. Embracing digitalization is easier with virtual bank accounts. Offering your clients, employees, and contractors virtual accounts is therefore incredibly beneficial.

How Virtual IBANs work with International Payments

Rather than directing transactions to a physical bank account, virtual IBANs route transactions online. Businesses can use virtual IBANs to extend their range of services to global customers just as they can with their traditional counterparts. In terms of functionality, a virtual IBAN account functions exactly like a regular IBAN account. It can send and receive payments and transfer funds between the virtual account and the linked physical account.

By allowing the account holder to receive, withdraw, and transfer funds, they fulfil much of the functionality of a regular bank account, but they are faster and easier to create. With control over the bank accounts, you can also add loyalty and rewards programs to further grow adoption.

Popular Use Cases for Virtual Accounts

  • Platforms that are part of the gig economy can instantly pay their workers and drivers via virtual accounts.
  • Marketplace platforms make it easy for sellers to receive international payments.
  • The use of virtual accounts can reduce the cost of paying foreign workers or contractors.
  • Offering turnkey solutions that allow unbanked workers to be paid and empowered to participate in the digital economy.

 Advantages of Issuing Virtual Bank Accounts

  • Your company can transfer money quickly and securely to employees, contractors, and other stakeholders through virtual bank accounts.
  • Providing virtual accounts to contractors and workers who are otherwise unbanked will allow them to receive payments.
  • Having your own virtual account can reduce transaction fees significantly, especially when transferring funds cross-border.
  • Including virtual accounts in your apps or product offerings helps to build loyalty and create a broader ecosystem of products and services that can transform a traditional application into an application preferably more enhanced.

Disadvantages of Issuing Virtual Accounts

  • The compliance and regulatory considerations that must be addressed, including ID Verification, Know-Your-Business (KYB) and Know-Your-Customer (KYC), require businesses to secure a partner that can manage compliance and regulations.
  • Customers should be able to deposit funds, withdraw funds, or pay with their debit or credit cards. Virtual cards are a complimentary service that will enhance the customer experience for your virtual account holders

To Conclude

In today’s distributed workforce, different levels of access can be provided to different team members to manage and operate account activities. Segmenting workflows can increase operational efficiencies for digital companies.

In addition to improving compliance functions, virtual IBANs ensure that parties are verified, and payments are screened for any red flags. This ensures that your customer (KYC) functions are also improved. The virtual IBAN functions as an improved version of the traditional IBAN.

Security is a top priority. The future is virtual IBANs, where most companies, not just e-Commerce firms, will start accepting them. Over time, traditional banking will be upgraded.


Advantages of Quick Cash Loans

Sometimes in life, there comes a situation when we all need some extra cash to get through a tough time period. Just to do this, quick cash loans are designed so that you can face such situations easily. With Quick Cash Loans, you can easily get loans and easily pay them back.

Following are some advantages of Quick Cash Loans:

Instant Loan

As the name suggests, Quick Cash Loans can get you a loan almost immediately after applying. The process of applying for a quick cash loan is simple and quick, which can be done online, over the phone, and in person. There is no security or collateral involved in this type of loan; that’s why you don’t need to have long meetings with lenders to approve the loans. In other words, you don’t need to go through lengthy procedures to get your quick loan application approved; typically, you can get your quick loan application approved in 60 Seconds.

After your loan application is approved, the money is deposited in your bank account, which you can access the next business day. Whenever you are in need of urgent cash to pay bills or any other emergency, need Quick Loan can prove to be a life-changer.

No Credit Score Required to Get Quick Loan

Your credit score doesn’t matter if you are applying for a quick cash loan. It entirely depends on your job status and income. This means the lender needs to check the time period you have a job for and the salary you are receiving at the end of the month.

You just need to provide proof of your identification, income, and a valid bank account.

Quick Cash Loans will help you get through tough times without having to check your credit score. Even if you have no credit, great credit, or blemished credit, it won’t affect your loan application. However, there are some loan companies that report your repayment to the credit bureau, and as a result, the repayment shows on your credit report, which can come in handy while applying for the loan next time. You can get installment loans bad credit easy online.

Use the Money for Any Purpose

Quick cash loans can be used for anything you want, such as paying for rents, auto repair, tuition fee payments, bill payments, etc., unlike traditional loans. Moreover, you can use quick cash loans for having extra cash in your pocket while going for a vacation. You can use this money to plan an event at your house. There are no restrictions on how you are going to spend this money. Credit Score may not be required for traditional loans, but the lender will ask you the purpose you need the money for. Traditional loans can only be used for limited purposes such as mortgage loans to purchase a property, car loans to buy a vehicle, medical loans to pay your medical bills, or student loans to make tuition fee payments. However, with quick cash loans, you can do all these things along with many other things. With Quick Cash Loan, you can get through difficult times and do all those things that are beyond your budget. If you are short on your rental payments or you want to organize a big event, quick cash loans can help you with that.

Quick cash loan applications are processed immediately. You can get cash in your account instantly and can use it for any purpose you want. Moreover, your credit score won’t matter to apply for a quick cash loan. With all these advantages, Quick Cash Loans can prove to be the best source of cash in difficult times.


Detangling the process of issuing a credit note

What is a credit note?

A registered seller must provide an invoice with the product sold to a customer. This tax invoice acts as a corroboration between the buyer and the seller. Sometimes these invoices which are discharged at the time of the transaction need changes. Due to several reasons, these issued invoices demand changes in them and here is exactly where credit notes come into the role.

To know more about what is credit note, visit the link.

Credit Note in GST

In case of damaged products, incorrect invoice, cancellation of purchase and other inconvenient circumstances arise, a credit note is issued by the supplier to indicate the acknowledgement of a creditable amount to be returned to the buyer. It is issued when discrepancies like dissatisfaction of customers, increase or decrease in the price of goods and services, error while generating the invoice, the tax charged exceeds the charge payable emerge, etc emerges.

After the implementation of the GST rule, the tax system has become more complicated than before. Here the catch is, once an invoice is issued, it cannot be cancelled, reverted or edited. Credit notes simply help the supplier to keep his accounts straight. A supplier can delete the amount in the invoice from his accounting records without deleting the invoice itself.

Whenever a situation comes where an invoice needs to change or re-issued, the supplier can generate a credit note. It is often linked with an invoice, nevertheless, a credit note can be issued separately for future uses.

Conditions for issuing a credit note

In accordance with the Goods and Service taxes laws, a credit note can be issued in the following circumstances:

  • When an error occurred while generating the tax invoice.
  • Goods and services provided to the client are not up to the mark.
  • When the taxable amount charged from the client is more than the actual amount.
  • The real value of the goods and products is less than the amount mentioned in the tax invoiced.
  • If the goods and services furnished by the provisioner are returned for any other similar reasons.

Format of credit note under GST

As of now, it is clear what is credit note and when it is issued. Now let us know the details that should be mentioned in a credit note:

  • GSTIN (Goods and Service Tax Identification Number), Name and Address of the registered supplier.
  • Type of the Document (Credit Note)
  • The aforementioned issued date of the credit note.
  • A serial number that is consecutive, unique and comprises alphabets, numerical and special characters like slash, dash, underscore, etc.
  • Unique identification number or GSTIN number, name, address of the buyer if the buyer is a registered individual.
  • In case the buyer is not registered, name, address, delivery address of the receiver on top of the name of the State and Pincode.
  • The amount of the tax credited, rate of the payable tax and value of the taxable supply should be mentioned.
  • Date and the serial number of the supply bill and the tax invoice.
  • Digital signature or signature of the supplier and his authoritative emissary.

The defined time limit for an issued credit note

When a credit note is raised on a particular month the supplier, the buyer or both should confer the details of the credit note while filing the GST return of the aforementioned month. The affected parties also need to keep in mind that the declaration needs to be done before the month of September, as it is the end of the financial year with which supply commensurate, or they can also proclaim it prior to the date of the annual return filing.

Nevertheless, in brief, what is credit note? It is a necessary tool especially for the suppliers to keep their records intact and updated. When the situation arises providers should issue a credit note for ease of their business.


No Lackluster Attitude for the Taxes: Why?

The mechanical impact of a change from 19.6% to 5.5% is -11.8%. However, some catering services were not affected by a change in VAT (take-out, alcohol, etc.), we retain a mechanical impact of 7.5%, in accordance with the assessment of the Senate information report.

The Aspect Of Interest

But it is also interesting to see that when the VAT increase in catering in January 2012 (from 5.5% to 7%), the price increase achieved was lower than the price increase that would have taken place in case of all-wheel drive of the VAT increase in prices (blue-green curve above the red curve)

  • Empirically, whether it is during a VAT increase as during a VAT reduction, the transmission of VAT in the prices is not complete. That is to say that if the VAT goes for example from 20 to 22%, then a product costing 10 euros HT (therefore 12 euros including VAT with 20% VAT) will tend, on average, to drop to less than 12, 2 euros after the VAT increase. Companies therefore modify the price excluding VAT to absorb part of the increase in VAT (in the event of an increase) or to increase their margins (in the event of a decrease in VAT). Empirically, and still according to the company, “about 80% of VAT variations are transmitted to consumer prices one quarter after a change in VAT rate”. According to that you can make the calculation of the now.

In the case of a full rate VAT increase of 2 points, and by doing a calculation on a corner of the table, this would therefore give us:

  • An average price increase of the products concerned of 1.66%: a product at 12 euros including tax (therefore 10 euros excluding tax) rising to 12.2 euros, i.e. an increase not of 2% but a mechanical effect on the prices concerned by 1.66%
  • But, using empirical data, we can estimate that “only” 80% of the VAT increase would be reflected in prices, i.e. an increase of 1.33%
  • As products at normal rates represent around 60% of the consumption basket, this therefore implies an overall effect on inflation of around 0.8 point.

Conclusion: The effect of a change in VAT on prices depends on the behavior of companies, which will more or less pass this change on to selling prices. The behavior of companies can also depend on the economic cycle, the sector’s margin rate, competition.

In the case of France, and with some assumptions on the percentage of VAT transmission in prices, a full rate VAT increase of 2 points would lead to an increase in inflation of around 0.8 point (and therefore, all other things being equal, if wages do not move, an almost equivalent loss of purchasing power). But in a period of fiscal crisis and fear of deflation, we can understand why this solution, simple to implement and allowing to generate revenue quickly and without any real possibility of diversion, was, according to Liberation (source here ), considered by the government a few weeks ago (all this is obviously denied for the moment). So that’s all for now.


Discover The Best Financial Plan For You With Inovayt

Let us face the truth here, money is one of the most important things in life. In fact, it is probably THE most important thing in the world. People who say that money cannot buy happiness are those that never had money in the first place. Now, I am not saying that you should become incredibly greedy. However, life is only going to get harder if you do not take the time to properly finance your savings. As such, Inovayt is here to save the day.

Inovayt – What Are They All About?

This is more than just another finance management company. The Inovayt team is comprised of over 35+ handpicked employees that have the experience and will to work. And this is not just the simple case of working a plan and leaving. Each team member is specifically trained to handle every type of financial situation you would need to situate your finances. This is why this company is known as one of Australia’s best when it comes to financing solutions.

The company is backed by some of the world’s most premier customer support agents. This would mean that you can expect some of the best financial aid support your money can buy. They are designed to handle everything from owned mortgage broking to financial planning firms.

One thing to note about this company is that they are divided into two major divisions. You have your wealth and finance department ready and willing to serve you. Both are perfectly capable of handling the financial intricacies that you need to stay afloat. In addition, you can choose to have them handle your entire stock if you are not confident enough investing.

Click here for more information about their wonderful finance solutions offers

Inovayt Finance

Owning a house is one of the biggest steps a person can have when it comes to growing up. You do not want to end up a shoddy apartment for the rest of your days. Instead, why not take the opportunity to have your own property that you can call your home.

That is the dream target of the people at Inovayt Finance. They will help you with everything from financing a mortgage to construction loans.

Inovayt Wealth

Your personal money should be yours to control however you see fit. However, there are times when you just want to store those extra earnings for something important like family. As such, you will definitely want to partner with the Inovayt Wealth team to sort your financial savings in check.

This team can handle everything from long-term goals such as emergency funding and retirement plans. They can even handle short-term solutions such as superannuation and investment strategies.


Steps To Take When Applying For a Rapid Cash Loan

Need for instant cash? Well, worry no more as a rapid cash loan is an answer to your problem. When applying for a rapid cash loan, there are certain steps and requirements you need to follow. They are the following:

  • Browse the available lenders

There are many lenders out there offering rapid cash loans. All you have to do is to browse to know which one has the best reputation, someone that releases your loan in just a few minutes and with only a little interest.

  • Submit the basic requirements

A rapid cash loan is a short-term loan, which means that the requirements are basic such as an identification card and a valid checking account. You also need to submit requirements that show you have the capability to repay the loan such as proof of income and employment certificate.

  • Application process

Applying for a rapid cash loan is easy as the process can be done online. If you have a computer and a reliable internet connection, then you can apply anytime and anywhere. Just make sure you have all the necessary requirements ready and in a matter of minutes, you get receive the money in your bank account.

Why it is called a rapid cash loan?

It is called a rapid cash loan because the entire process would only take no longer than 30 minutes. In fact, it is less than 10 minutes if the requirements are all met. For folks on the urgent need of huge loans, online income loans could be the easiest way to meet these wants successfully in just a small period, actually overnight. Here are a few of the advantages of that loan form in comparison to particular loans. The majority of people are applying for a rapid cash loan because it is the best solution in times of financial needs. Should you wish to find out more about rapid cash loans, visit website for rapid service. It contains all the information you need to get started. The entire process is swift and you won’t even need to get out of your house to apply for a loan.


What is the process of home loan in HDFC Bank?

Getting your application accepted for a home loan is not easy. It involves assessment of various aspects, and many times due to lack of knowledge about the process people end up making some mistake or the other. In the last 3-4 years, HDFC Bank has become the new favourite of the public when it comes to the home loan. However, before you apply for the home loan, it is wise first to understand its process so that you can build a greater chance of your application being accepted.

  1. Firstly start by checking your eligibility for a home loan as per HDFC Bank and some other banks as well. Even though you have a preference with the bank, it doesn’t hurt to keep some options with yourself.
  2. After you have checked your eligibility, the next step which you must take is to use the EMI calculator. With the help of a hdfc home loan EMI calculator, you can assess how much monthly burden you can really handle and which bank is offering you the best loan deal.
  3. Make sure all the required documents are with you while you are applying for the home loan to ensure correct information is filled in the form, and relevant documents are attached.
  4. Also, make sure that the property you are selecting satisfies the minimum dimensions set by the bank for advancing the home loan.

The home loan is a long term financial commitment involving a significant amount of money. That’s why banks take a longer time to process home loans as they do verification of various information at multiple levels. As an applicant you must also exercise the utmost caution with regards to in which bank you are applying for the loan, at what time are you applying, do you have all the necessary documents, do you have enough pool of funds to cover the down payment, etc. Such aspects hold an important key to have a successful home loan application ultimately.

HDFC Bank is one of the top banks in the country and caters to millions of customers. In the last 3-4 years, HDFC bank has seen significant growth in its home loan application and disbursal. Due to its customer-friendly features and process, more and more people want to avail home loan from HDFC Bank. However, before you apply for the loan, it is better to be aware of its processes so that you can make the necessary preparations beforehand and avoid unnecessary delays from your end.

The process of home loan in HDFC Bank is:

  1. Check Eligibility: Before you fill the home loan application form on a bank’s website or on an aggregator platform, you must start with checking your eligibility for the loan. Even though basic eligibility criteria for home loans of all banks may be the same, there are always certain differences in each bank’s eligibility criteria. Thus, you must assess whether you are eligible for a home loan as per the criteria of HDFC Bank or not. Even if you prefer applying in the HDFC bank, it is wise to keep options of two-three banks open in case the offer from one bank doesn’t fit your requirements.
  2. Use EMI calculator: After you have assessed eligibility criteria and known for sure that you are eligible for the home loan in a particular bank, the next step you should take is to use the probable loan amount you think you can get, the tenure for which you want it and the interest rate offered by those banks to calculate your probable EMI. Using the home loan EMI calculator will help you understand how much monthly burden you can afford and which bank is offering you the best deal.
  3. Prepare Documents: Documentation is an extremely crucial part of the home loan application. Any discrepancy in the information provided by you, whether in form or in the documents shared will only result in rejection of your loan application in HDFC Bank or in any other bank. Thus, make sure to take note of all the required documents and have them with you while you are filling the application form for a home loan.
  4. Property Verification: After your home loan application is accepted, the bank’s representative will visit the property site for inspection. Therefore make sure to check that your chosen property is satisfying the minimum requirements of the bank before submitting your application.
  5. Down-Payment: In case of home loan each bank requires a down-payment from the borrower generally within the range of 10-20% of the property’s value, depending upon the loan amount, property type and income level. Thus, it becomes absolutely necessary for you to ensure that you have sufficient funds with yourself to cover the probable down-payment when your home loan gets sanctioned.

Remember to be prudent at every step of the home loan application and make sure to read the terms of loan agreement carefully before signing it.


Reliable Free Forex Trading Signals

If you are new to the world of Forex trading, you may have thought about using forex trading signals to help you speculate in the stock market. Indeed, following someone else’s forex signals can obviously save you a lot of time and energy, but it can also teach you new trading methods and strategies.

This is all awesome, right? Where is the trap?

The hard part is finding a trustworthy forex signals provider. Knowing this, we decided to put together this article featuring the best free and paid trading signal providers.

To complement the article, we will also discuss the tools to generate your own trading signals and become a standalone trader.

What is a Forex Signal?

A forex signal is an alert on a trading opportunity, usually in the currency market, but also in other markets. These forex signals are provided by experienced traders or specialist firms, free of charge or for a fee, through written messages. Trading signals help novice traders with exact transaction details recommended by forex signal providers in real time.

Trading signal providers will tell you when to buy or sell an instrument, and where to set exit orders (take profit and stop loss) to take profit or close the position at an acceptable loss level if the market moves against you. The best trading signals will also explain the reasons for this position.

This means it’s a great way to try out new strategies and see how other traders are making their decisions.

However, you need to have trust in the provider to follow the received forex signal, which is why it is important to choose a trader who can justify their trading transactions with sound reasoning. You want to receive trading signals from someone who you think has good strategy and logical reasoning behind their trades.

There are a lot of signal providers on the market. So it is difficult to know who is really trustworthy, who gives high performing forex signals. This article will help you see more clearly.

Types of Forex Signals

There are four main ways to use a forex signal, and the choice of trader will depend on their goals, time available, level of activity and control desired, and personal risk profile.

Forex Correspondence Signals

In this case, the trader always manages his own trading account and simply follows the positions provided by the signals, entering the positions himself on his trading platform.

This allows the trader to have a greater level of confidence, while not letting a third party have full control over his trading account, but he will have to bear psychological risk.

This is because when the signal provider experiences a series of losses, it is sometimes difficult for the trader to continue to follow him, and potentially miss the time when the gains will return.

The forex signal is in this case communicated by message, which can be in the form of an email, a text message or via a mobile messaging application, it is then up to the trader to do the rest.

These are often paid forex signals.