May 2019


Is Coins247 a Legit Platform, Good for Learning How to Trade Crypto?

Is Coins247 Platform Good for Learning How to Trade Crypto? The answer is yes! Coins247 Have developed a unique method of monitoring the market and offer traders a full-scale training program At, investment education is a priority. Whether they have years of experience or are just beginning to invest, traders all need ongoing opportunities to learn and grow in their chosen investment field. Without continued trading education, it will be difficult to maximize gains. The Coins247 Trading Academy was launched with the goal of helping traders from all backgrounds and of all levels of experience to learn how to trade or how to improve their trading experience.

The Coins247 Trading Academy aims to improve traders’ lives by giving them great training so that they can acquire extensive knowledge and skills. A comprehensive range of specialized training sessions offered at Coins247 Trading Academy makes it possible to achieve the academy’s ultimate objective: to help traders make bigger and more consistent profits. is a safe, transparent trading platform bolstered by a robust security infrastructure and the convenience of multiple funding currencies including the US dollar, the Australian dollar, the Euro, and the British pound sterling. Complete Training in a Single Space Coins247 educational training sessions are geared for individual traders interested in becoming professional traders and making use of their skills to accrue revenue like on Wall Street. Training sessions cover a wide range of topics and include instruction as well as tips and tricks on how to use the trading platform, how to best utilize charting tools and technical analysis, and how to conduct proper risk management and position-sizing for successful trading.

You can read more about Coins247 educational by clicking here Mentoring from Veteran Traders believes that the best way to learn to become a top trader is through experiencing the live markets directly with the assistance of experienced mentors who share their knowledge. Tutors at the Coins247 Trading Academy are experts in their field. They are active traders with their own trading accounts and years of experience. Advanced Trading Tools In addition to training sessions, Coins247 offers daily research reports and market updates expertly prepared by a team of experienced trade analysts and researchers. Technical analysis charts help educate traders so they can know what to look out for in trade patterns. This will enable them to identify these patterns in the future and to accurately assess trading opportunities. By generating ideas and having industry-specific conversations, traders can form a basis for themselves to build confidence in their investment abilities.

Coins247 aims to assist them in eventually becoming self-reliant technical analysts in their own right. About Coins247 was launched in 2018 by a group of veteran traders who had a goal of delivering the best possible experience in the crypto currency world. Having worked in investment services, product development, and financial markets for years, the Coins247 team is dedicated to providing both new and experienced traders with a secure and reliable network that offers a range of excellent features including innovative education. Coins247 secured several constructive partnerships with top global financial providers and banks in order to help traders develop their strategy and place them on the road to success.

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KaratGold Coin (KBC): Real Digital Gold in the Cryptocurrency Space

Bitcoin has many nicknames, but fewer have entered the public consciousness quite like “Digital Gold”. We’ve heard this moniker so many times, we don’t even think about it anymore. But is it possible that this title has been misapplied?

Like gold, Bitcoin exists in limited supplies. Like gold, Bitcoin is mined (sort of). Beyond these two points, though, there really isn’t much that BTC has in common with gold (Au). Gold is a physical asset. It’s removed from the ground for its use in industry and as an asset of exchange. Bitcoin is contained in software. And even though it is o used in the financial world, it never takes a physical form, nor is it applied to many of the same use cases as gold.

However, this is not to say that another cryptocurrency can’t function this way. We’re pleased to introduce KaratGold Coin (KBC), the first cryptocurrency that may actually fulfill all of the qualifications necessary for something to truly be called “digital gold”. Here’s how it works.

KaratGold Coin – Exchangeable for Real Gold

KaratGold Coin (or KBC) is a cryptocurrency offered by Karatbars International. Karatbars is a gold company that has been in operation since 2011. In their near decade of business, Karatbars has fulfilled the mission of Dr. Harald Seiz – to make gold useful as a currency again.

Almost all nations have abandoned the gold standard at this point in history. There are many reasons for this, but in most cases, gold is simply to value to function as cash anymore. Even small coins have values in the hundreds of dollars, so it’s hardly a practical way to buy a cup of coffee at Starbucks.

Dr. Seiz saw an alternative to the degilding of the world’s financial systems. With CashGold, Karatbars introduced physical currency notes with tiny gold bars inset. CashGold can be stored in a wallet or accessed through an ATM.

In February 2018, Karatbars introduced KaratGold Coin in a $100 million ICO. Starting July 4, 2019, the coin will be exchangeable for CashGold notes, through participating ATMs. With this system integration, gold becomes fully digitized. Those who wish to buy gold virtually can do so through KBC. If they ever want to trade their KBC for the real thing, they can do so.

KBC has other utilities. The coin will also be the native currency on the IMpulse K1 smartphone. The Impulse K1 is the first smartphone with a blockchain powered operating system. KBC will pay for call time and all other functions, making it the first choice for any gold investor who also loves blockchain. When using the phone calls and text messages are not transmitted through conventional ways, but instead, they are encrypted and broadcasted by a newly created Voice Over Blockchain Protocol (VOBP). It uses peer-to-peer encryption that cannot be hacked or manipulated. Data stored on the device, such as images or documents, are saved and enciphered through the IFPS platform, which is a decentralized storage medium based on blockchain technology.

Karatbars International has created a truly unique, unified digital gold ecosystem. Through the K-Merchant application, KBC can also be spent online through thousands of retailers. This completes the circle, digitizing gold and making it spendable online.

Through the efforts of Karatbars, gold is no longer an antiquated asset. People can buy gold with Bitcoin, Ethereum, and fiat currencies, anywhere in the world, then spend it online through KBC or increase their stacks of CashGold notes through exchange of the crypto asset. It’s an incredible system and we are conviced that it will have a bright future.

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Very Hard Cases In Working With Direct Money Lenders

Direct Money Lenders

Whenever you find it hard to get loans for your household or commercial property direct money lenders help out to supply the loan that other medication is denying you. You might find obtaining a loan difficult from your credit score, the option of location might be remote and never of great interest towards the traditional lenders, the option of the structure material might be creative and never authorized by the agencies. In this situation private individuals or companies who focus on giving loans to the people with special needs part of. These people or companies are classified as hard money lenders.

When do very hard cases while coping with Money Lenders arise?

While direct money lenders help out with loans when everybody else turns you away, due to the same reason you pay a high rate of interest along with a high fee around the borrowing making the likelihood of property foreclosure greater or most dependable inside a difficult situation otherwise.

Listed here are five very hard installments of coping with Direct Money Lenders

1.Whenever you meet a loan predator who’ll lend you cash but design the loan in this manner it becomes difficult that you should pay back the loan.

2.Once the loan value ratio is extremely high. In instances where the direct money lenders are providing you with loans which form a higher number of the home you’ll probably finish in difficulty because in this situation due to the high rate of interest and also the high principal amount the repayments will end up difficult to negotiate.

3.Once the initial fee is extremely high. Sometimes the first fee is up to 8 % from the loan which is clearly a bad condition. In this scenario interest rates are also pressed up because should you be going for a loan of $100,000 in a 12% interest and finish up having to pay $8000 at the outset of the loan itself then effectively the main that you’re taking is simply $92000 and never $100000 thus pushing your interest rate greater.

4.Direct money lenders are frequently difficult to get and something are only able to reach out to them with the aid of agents and brokers. However, these brokers or agents might not be thinking about getting the finest deal only make maximum profit on their own and by doing this not just enable you to get a far more costly deal only one that doesn’t suit you too.

5.If you have not appraised either the home properly or taken a accurate look at your funds. Either in situation you will see a mismatch within the loan payment in comparison to the money you’ve leading to your facing a hard situation.

How to prevent stepping into a hard situation?

For proper care of a couple of basics it’ll ensure that you don’t finish up facing any troubles in the direct money lenders. To begin with make certain that you don’t enter into this type of loan unless of course there’s a genuine need. For example when the traditional organizations are shying from providing you with a home loan because you need to develop a cabin inside a remote area think about whether you actually need that cabin? Avoid whenever possible falling in to the very hard installments of coping with Direct Money Lenders scenario.

Or so if you are denied the loan due to a bad credit score ratings be skeptical to the fact that it is just since you are poor at managing your money. Because the rates of interest are extremely high here and also the lenders possess a first mortgage over your home you’ve got to be doubly careful just like any default in repayment would increase the risk for loan provider proceeding on property foreclosure.

In the first hint of problems make contact with your loan provider and then try to restructure your deal if you think that it will be considered a difficult situation moving forward or perhaps a repayment default is imminent.

Lowest rate of interest, quick disbursal, and flexible repayment options makes Fast Money the best money lender in singapore. They have been serving the need of the people in and around the Singapore region for a considerable length of time.

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Learn to trade the market with quality trade setups

We are talking about the working process for the trades. To maintain the right kind of management, it is necessary. All of the trades will have to be executed in the most proper orders. Thinking of money management will work for the orders. Then some good thinking of the trades will bring some proper control over the market analysis working with the technical analysis most of the time, we traders are going to be right for the closing. The stop-loss and take-profit will be necessary for that.

To maintain the most proper performance in the business, all of the traders will have to do some good work. There will have to be some good thinking for the management of the positions. This way, we are going to be safe with all of the correct management of the trades. It is necessary for some good performance to get out of the trades. With some proper performance, there is always a chance for the most proper performance. In the system of currency trading, we will need to take care of the right performance. Come up with some good ideas for the trades.

Organizing the working process

As we have talked, there will have to be proper thinking of the organization of the trades. More so, it is the working process for the trades which will be necessary. Take some good performance ready for the trades. Think about the most proper orders. It is simple to think about. A trader will have to maintain the most right management of the trades. Taking some good thought over the lots and the leverage will always come in handy. The most proper control of the working process will also be there because there will hardly by any kind of emotions working for the investment. The position sizing will be right with the most proper risk to reward ratio thus it is right for us to think of a good approaching process to the trades.

Know about the trading industry

You need to know about the Forex market place to become a better trader. All the elite class traders in Hong Kong relies on proper logic and education. They keep on learning new things since it helps them to make a profit even at extreme market conditions. Knowledge is power when it comes to the investment business. Join the professional trading network and you will see how well the experienced traders know about this market. So focus on your trading education and execute quality trades.

Considering less risk per trade

Besides the right market analysis like Fibonacci retracement and pivot point analysis, the traders need to worry about the risks. We are actually talking about the proper setup of the stop-loss for the trades. To maintain some good performance, there will have to be proper thinking. Try to manage it in the most proper manner. Then use some good performance ready for the good analysis. You can also get some help from the fundamental analysis of the markets. That will be good for some quality performance in the trades. Use the best possible interest in the trading business because there is a good chance for the traders to get into the idea of overtrading. This cannot be right for our business and the most legit performance will have to come with control.

Learn to love the trading works

As we talked there is a good chance for the traders to approach with high frequencies. It is not that much of a thing to remember for most of the novice traders but the actual trading performance can harm itself in the process. All of the right performance will have to come with some good performance. If we can divert your focus onto the concept of better management, there will be some good quality performances. The income can also come from that kind of performance.

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Use your senses for finding the best trades

For the rightful senses of trading, there will have to be proper learning of the right management. We as traders will need to think of the most proper setups for the trades. There are some good ways for traders to make some proper performance. In this business, we will be talking the most in the rightful performance because that is what we need to deal with the volatility of the markets. One more thing, there is no good way for the traders to earn some proper income too. It is not so easy for almost all of the traders to do manage that. For that, there will have to be more careful with some proper handling of the working process. First, the right thinking and mindset are needed from the traders. We are talking about some good thoughts on the management of the trades. Then the traders also have to be safe. Thinking of the right market analysis will be needed for some good positions. All of the things can be done with a proper education.

Make some good plans

To get the right kind of business, there will have to be proper thinking. The traders need to take some good care for that. We are talking about the most proper control of all the works. Think of yourself having some kind of management performance with the investment. The planning for the lots and leverage will have to be set by the trading platform. Then all of the traders will also need to take care of some good performance with proper management. It is possible for the right trading business to happen with good stop-loss and take-profit too. We are just been talking about money management. There are more to talk about with the right thinking of the market analysis. Think about just a few in the technical analysis work. The traders need to think of the most proper management of the trades with something like the Fibonacci retracement, pivot points, and trend lines. So, planning is required for all of the traders.

Developing your trading career

If you truly intend to develop your trading career, you need to find the best Forex Australian broker. It’s true that the low-end brokers will offer you many lucrative offers but they will never give you a premium trading platform. To avoid such problems, you can easily use the Rakuten broker as they are one of the most trusted brands in the online trading industry. Use their demo account and learn to trade the market without risking any real money.

Get the most education

We do get the idea of the right planning, hopefully. But there will have to be some proper thinking of the trading performance. All of the traders will need to take some good care in the business. It is the management of all kind of works which we are concerned about. Getting some good education will be possible for all of the works when a trader gets learn from a course. But most of the retail traders do not get some good management because there is a lack of chances for them. So, all of the right kind of trading business will have to come in with the best possible system. It is possible to think in the correcy way for all of the trades. Just try to learn one advanced strategy after another.

It is good to wait for

There will have to be some proper work done with patience. It is not right for the traders to frequently approach a trade. There will not be good patterns most of the time. So, we all need to take the most care in the business for some proper management. Get your head into the quality of trading and then wait for the right signals to come to you.

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The Basics of Investment Planning


Taking control of your financial future is one of the most important things that you will ever do for yourself and your family. Most Americans are living paycheck to paycheck and recent studies have shown that most people are only three paychecks away from financial ruin. This is a scary fact to read and take in but it’s the reality that most of us are facing. You may be sitting there thinking that money is so tight right now that there is no way you can afford to save right now but the truth is you can’t afford to. You don’t have to be a millionaire or have a lot of money to start your financial planning and you can do things now to start out small and as time goes on you can grow into the bigger investments.

Save Money Every Week

Saving just twenty-five dollars a week is a good way to start. You can have this amount automatically taken out of your paycheck every week and deposited into a savings account that way you won’t have it in your checking account to spend. If you are still saying that you can’t afford twenty-five dollars a week then make a budget and see exactly what you are spending your money every month and find different ways to cut back or find things that you are paying for that you don’t absolutely need and get rid of them.


What is a 401k? A 401k is an employer-sponsored retirement savings plan that is typically apart of your benefits package through your job. You can go to your human resources department and enroll and you can have the money taken out of your check and deposited into your 401k account. Once again you don’t have to start out big and you can put it as little or as much as you want.

Stock Market

When you get your finances in control and you have been saving money with the above mentions methods you can graduate into some of the more advanced investments such as the stock market. It will take you a little time and research to understand how the stock market works but once you get the hang of it you can potentially make a lot of money but be cautious when playing with the stock market and don’t put all your money into it because the stock market does go down at times.


Real estate is a great way to invest your money. You can purchase homes and use them as rental properties or you can flip them. Flipping houses is where you buy the home at a cheap price due to the distress of some form and you make necessary repairs and then sell it for a large profit. Make sure you do your research on the home before you purchase and find out how much the repairs are going to cost you before you buy it.

All of these things can be a part of your investment planning and if you do your due diligence with each of them they will pay off in the long run. Saving money is not a race and you don’t have to be super aggressive with it in order to get results. Easy does it and just make sure that you are steady with it and over the course of twenty years, you will see significant results. Taking the steps to secure your financial future will give you peace of mind.

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Learn to protect your investment with quality trade execution

The right performance in the currency trading business will have to be done with some good management. All of the traders will need some good performance with the trades. That will need some good performance with the trades. There is no way for the traders to manage some proper income. And that is the truth for the retail traders out there. When you can think in the right way and lower your expectations, proper focus can be given onto the trading process. It is good for traders who can manage some good performance. A proper trader will think in the right way for all of the trades. You will have to be like that for all of your trades. There is no way you can risk more and left the trades untouched into the system. All of the time, the trades will have to be under your surveillance without making you crazy. In this article, we are going to learn about how to manage that with some proper planning.

A good trading mind will never think about the profits

There is only one thing to do before anything in this whole wide world the traders will have to think in the right way for all of their trades. And that will be needing some good maintenance of the trading mindset. You need to fix your goal. We can clearly say that novice traders will think about making profits from the marketplace all of the time. While they are going to think like that, there is no way for the traders to manage some good business. It is no good for the maintenance of the trades. Most importantly, the traders will have a poor selection of the risk per trades. Therefore, the stop-loss will be poor and the trades will be running for too long in the markets. The volatility may not be good at that kind of trading performance. So, thinking in the right way is necessary for all traders out there.

Learn to trade this market with low-risk exposure

Some of you might think the professional traders are making a huge amount of money based on a high volume of trading. But in reality, they are just using a simple technique to trade the market with managed risk. But all the professionals always trade with a well-regulated broker so that they can easily get the best trading environment. Visit Rakuten Australia official website to learn more about the professional trading environment so that you can use advanced tools to minimize the risk factors.

The right performance for the trades will need some market analysis

With some proper selection of the trading setups, the traders will have to analyze the signals. It is good for some good management of the trades. When you are letting the trades run in the most volatile marketplace in the world, it is good to get some protections. And the risk, as well as the profit targets, will be the right one for it. The most time consuming work needed to be done for that would be the right management of the market analysis. It is a way for the traders to manage some good pips from the signals as well as securely execute the trades into the system. When you can manage that for your business, there is no way to lose more money than you can think of.

The proper trading performance will need a proper timeframe for all of the works

With the right trading work, the traders will also have to think about some good timeframe. It is the right way to manage all of the works for the trades. When you are going to have some good control of the trades, which means, your mind is relaxed into the system of trading. And that is very good for all of the traders and will lead to making some good income too.

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Mutual Funds: Helping you creating wealth

A decade ago people would only think of investing their money into gold, lands or property. However, mutual funds have provided us with another considerable option to invest in. MF though is subject to market risks, can earn you great returns if you plan early and wisely. Two major benefits you experience while investing in the mutual fund plans, which are:

  • Professional management of your investment
  • Diverse and secured portfolios

However, relying on the managers to find the best plans for you to invest in is as good as picking out an MF plan on your own. And that is not going to help you get bigger returns as you’d have thought. Online mutual funds, however, can still help you make wealth. For that, you need to plan out your strategy and follow the basic golden rules.

4 Golden Rules to Help You Create Wealth with Mutual Fund Plans

  1. Invest early and consistently

This is the most important rule for any investments. And it applies to mutual fund investment as well. The sooner you invest into MF, the greater your potential to create wealth. Also, you don’t need to invest a big amount to gain significant returns. Starting from a small yet regular investment would be sufficed.

  1. Division of investments

While some lucky people become millionaires overnight, that doesn’t happen to everyone. So to build your wealth, you need to plan your investments wisely. Plan out your short-term, intermediate and long term needs and divide your finances into suitable plans. Apart from these investments do put some money in your bank account or MF options such as money market mutual fund. That way you won’t have to use your share meant for long-term plans in case of urgent needs when you need immediate cash.

  1. Diversify mutual fund investments

Many people might know this, when you invest into mutual funds you get a diversified portfolio of investment securities. You can get even bigger diversification by investing your money in different sectors. That way your returns will be safe and you balance the losses when the market is down for some economic sectors.

  1. Long period investments

Consistent investment for a longer period is another important rule for creating wealth with online mutual funds. The market is always fluctuating. So you’ll see the bar going up and down occasionally. But if you look at the stock measures over a longer period, for example – 10-15 years, the bar is consistently going upward. Buy-and-hold strategy when the market is down will help you earn bigger returns. Also, go for the index-funds for your long-term investment plans. Instead of trying to beat the market stock change, index-funds try to match with the market index.

Making money and building wealth is a challenging task. However, if you start early, plan out your long-term and short-term needs and invest with different economies for a longer period, you’ll sure make a fortune with online mutual funds.

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How To Choose A Financial Planner In Baltimore

Finding the right financial planner in Baltimore today can be a confusing state of affairs. The latter is so because there are so many of them, most of which are quite competitive and therefore quite difficult to choose. However, that doesn’t mean one shouldn’t put effort into ensuring they are getting the very best out of it. Without further ado, below are some of the ways one can use to find the best Baltimore financial planning firm to help them out in whatever capacity they wish:

Experience Is Crucial

As previously mentioned, there are quite several capable financial advisers in Baltimore. Therefore, finding one that works for a client’s needs is vital. With that in mind, the first place that one has to look at is none other than the level of experience. The financial adviser and planner with more experience are better than the one who is starting by a long shot.

Credentials Do Matter

Before contracting any financial planner, it is essential for one to know that they are capable of doing the job they’ve been contracted to do. For that matter, checking their credentials should also be carried out with the same intensity as they did when looking for their experience.

Thankfully, all financial planners are required to file their information with the security and exchange commission. The latter is what makes it easy to do a background check as all of their information is handed over in the form of an investment adviser public disclosure. Doing so makes it easier for one to decide on the financial planner to work with and the ones not to.

Go for The ‘Fee-Only’ Financial Planner

Since the ultimate goal is to make the most, going for the ‘fee-only’ financial planner can be an excellent bet for anyone looking to manage their finances. Why? Because the ‘fee-only’ financial planner is economical. Going for the financial planner who charges commissions only make matters worse as they are expensive in the end.

Thankfully, one can get in touch with ‘fee-only’ financial planner with ease. The latter is made easier through verified portals such as the garret planning network and the national association of personal financial advisers. One can also get their ‘fee-only’ financial advisers by looking for recommendations in and around Baltimore and still receive the very best services when all is said and done.

Fiduciary Standard

Everyone should always be advised to work with financial planners held to a fiduciary standard. A fiduciary standard refers to a financial planner who bases their advice on their client’s best interest. One can achieve the latter can be established through checking their fee as well as their previous working relationships. Once one has established this information, it would become quite easy for them to decide whom they can work with and those they don’t.

As mentioned earlier, it is essential for the client always to invest as much time if they want to find the right financial planner to use whether for the short or the long haul. Thankfully, all this hard work is only to be done once because once they’ve found the right financial planner, they won’t have to look for another.


Having a financial planner has its perks. However, when it comes to getting one, everyone is entitled to get the very best. Thankfully, following all the above procedures can help a great deal when it comes to landing one especially in Baltimore where there always seems to be so many of them. That said, no one should ever be in a hurry to get one and should, therefore, be able to take as much as time as they can find the right person to help them reach their financial goals.

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Key Factors to Consider when Looking for an Accounting or Tax Services

Tax season can be a stressful affair, which is why about one-third of individuals who file taxes use a service. Nothing better than a trained professional to make sure every ‘t’ is crossed and every ‘i’ dotted. Not to mention that tax professionals know how to find exemptions John Q. Taxpayer is unaware of. Unfortunately, like any contracted business success or failure depends on the service that is chosen. As many people are unaware of what to look for in a tax or accounting service, here are some key factors to consider.

Are They Legitimate?

Legitimacy is the first important thing to look for in a tax or accounting service. It is also easy to find. The IRS requires individuals or entities that prepare tax documents to have a Preparer Tax Identification Number. So the first thing a potential client should inquire about is the company’s PTIC. If they have one it is a good sign they are a legitimate business.

The next thing to look for is proper credentials. PTIC’s are easy to come by, but accreditation takes a little bit of work. Individuals who carry accreditation are certified public accountants, licensed attorneys, or enrolled agents who have completed a qualifying IRS’ Annual Filing Season program. Such individuals are usually referred to as an advisor and accredited tax preparer or an accredited business accountant. Luckily, all one has to do is consult the IRS’ directory. Every name listed in there is someone the Internal Revenue Service deems perfectly qualified to prepare taxes.

Look at Accolades and Associations

Once legitimacy has been discerned it is time to vet professionalism. Potential clients should be on the lookout for accolades and associations. If the tax preparer has won a few distinguished awards it speaks well of them, but if they are associated with some big-name companies that are even better. If legitimate businesses, important organizations, and key individuals trust a preparer with their taxes they are obviously very good at what they do. These accolades and associations should not be hard to find either. Any decent tax preparer worth their salt will brag about it, list the accolades in their marketing material, use them as references, and place plaques in full view.

Look for Warning Signs

The main danger many faces when using accounting and tax services is that their particular return will be handled callously. The agents will either not spend any time on prep, shuffle it to the bottom of the file, or simply offer the bare minimum when it comes to service. Another danger is that the service will take advantage of the client with high costs. One way to avoid this is by looking for warning signs. The first is in the way they charge for services rendered.

Legitimate services usually bill by the hour. This is because they are charging clients for their work. If they charge based on the size of the return itself this is a warning sign. It means they are more concerned with profit. It also means if customers return is not sizable they may not get the same service.

Another warning sign to be on the lookout for are services that do not e-file. Filing electronically is a mandate the IRS requires of any service that prepares more than ten returns. If a company does not e-file it may speak to their overall preparation and work ethic.

Finally, the last warning sign is whether the company will go to bat for its customers in the event of an audit. Legitimate preparers can represent their clients if the IRS comes knocking. They can aid taxpayers in every aspect an audit represents from setting up payments to appeals. If they are unable to do that it speaks to their professionalism and capability.

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