Online trading improved the accessibility of the financial markets, leading to an influx of people who had previously not been able to enter the space due to the restrictions of traditional trading. Since trading has shifted online, a lot of barriers to entry have been eliminated, thereby making it easier for people to take advantage of the available opportunities. But, you will require the services of a broker to get started, as has always been the case, and this means doing some due diligence. There are numerous options available in the market, but all are not created equal. 

Therefore, you have to ask some important questions about a brokerage before you choose one. Amongst the many options you will find is Aroxcapital, a forex and CFD broker that was founded in 2018 and is currently operating in 150 countries. You can check Aroxcapital review to find more information about their services and ask some important questions to decide whether it would be a good option or not. But, what questions should you ask? Take a look below:

What assets can you trade?

Before doing anything else, you should take a look at the assets that you can trade via Aroxcapital because if they are not offering access to the markets you are interested in, why bother looking at anything else? Fortunately, a wide array of instruments are available at Aroxcapital and these belong to some of the top financial markets in the world. You can trade in the forex, stocks, indices, cryptocurrencies and commodities market via their platform and enjoy some of the leading instruments they have to offer. 

Which trading platform is available?

The trading software used by a broker is relevant because it is the feature used for executing trades in the market. Therefore, it can make a big difference in your overall trading performance. When it comes to Aroxcapital, you will find that they are offering Web Trader to their clients, which saves you from downloading and installing because it is accessed through the browser. You can get quick trade execution, a customized layout and indicators, trading signals, easy-to-use interface, latest market news, an economic calendar and price alerts. Mobile solutions for Android and iOS are also added to allow trading on the go.

Is the platform secure? 

The next important question you should ask about Aroxcapital is regarding their security features. You don’t want to leave your personal information or your funds vulnerable to cybercriminals when you entrust a broker with them. Hence, looking at their security infrastructure is of the utmost importance. There is 2FA (two-factor authentication) applicable for protecting your trading account, segregated customer accounts are maintained for security of funds and digital assets are stored in cold storage. 

SSL certificates and encryption are also used for keeping all sensitive information safe. Apart from that, Aroxcapital complies with AML (Anti-Money Laundering) and KYC (Know-Your-Customer) security policies, which require proof of identity, residence and payment. This can help in preventing identity theft, financial fraud and money laundering. 

How do you register? 

Knowing the registration process is also important because you don’t want to waste too much time on it, or have to go through a lot of steps. Aroxcapital has kept the process deliberately simple and easy for its clients and eliminated the need for approval or a lot of paperwork. There is only one form that traders are required to complete and since the information is basic, it doesn’t take more than a few minutes to get it done. 

You have to share your first name, last name, email address and password, and phone number and country of residence. You also need to choose your account currency from USD, EUR and GBP. Aroxcapital also asks its clients to confirm they are 18 and to agree to its Terms & Conditions and Privacy Policy, both of which you can find on their website. 

The answers to these questions indicate that Aroxcapital can be a good platform for your trading requirements. 

By Greg Ahuy – April 8, 2021

In this article, we will take a look at the risk allocation under the PPA.

In the previous article on the PPA, we focused on energy sales under the PPA, and briefly reviewed the obligations of the off-taker and energy seller concerning the energy sales.

The off-taker has an obligation to purchase the committed energy production during the term of the PPA.

While the energy seller has an obligation of generating and delivering the committed energy production.

The energy purchase and sale are the main obligations of the off-taker and energy seller.

The PPA, however, includes additional obligations apart from energy purchase and sale, especially for the energy seller.

Since the project will be built from scratch, the energy seller will also be responsible for obtaining all necessary permits and land for the project.

Sometimes, this obligation related to permits and land can be shared with the off-taker, especially in emerging markets, where the off-taker is usually a government-owned entity.

Next, the energy seller is responsible for arranging financing, construction, and operation of the project, including the construction of interconnection facilities.

Note that such events as getting all necessary permits, reaching financial close, starting and ending construction, and beginning operations will be defined as project milestones in the PPA and will have specific dates. Failing to achieve these milestones will, typically, result in the default of the PPA with important negative consequences for the energy seller.

Energy seller is obliged to maintain necessary performance guarantees and insurance policies during the construction and operation of the project.

The obligation of the parties under the PPA, create and allocate the project risks between the parties.

For example, since it is the obligation of the off-taker to purchase the committed energy production during the term of the PPA, the off-taker takes the energy price and volume risks.

The price risk is the risk that energy prices may be lower in the future than the PPA fixed price.

Volume risk is the risk that the energy bought under the PPA may not be necessary, however, the off-taker has to, still, pay the energy seller.

In addition to the price and volume risk, in emerging markets, the off-taker takes the risk of adverse currency movements, political and regulatory risks and the risks arising out of Force Majeure Events.

When it comes to the risks allocated to the energy seller, they include risk associated with construction, operation performance, energy delivery risk, and resource variability risk.

Since both the off-taker and the energy seller take on significant risk under the PPA, each party wants the other to be creditworthy.

Typically, in the developed markets, the off-taker is an investment-grade utility, which is sufficient to mitigate the counterparty risk.

While for the off-taker in the emerging markets, various credit enhancing mechanisms may be available such as sovereign guarantees from the government, partial risk guarantees, and political risk insurance.

Energy seller is required to post a performance bond to enhance its creditworthiness, which comes, typically, in the form of a letter of credits or bank guarantees.

Sponsor support agreement, which represents guarantees from the seller’s equity investors, may also be required. These are guarantees that additional funding will be provided by the investors in case there is a funding shortfall, for example, due to construction costs overruns.

Seller is also required to set up and maintain a security cash fund, that the off-taker can draw on to cover the penalties payable by the energy seller.

And, finally, the energy seller is required to acquire and maintain appropriate insurance during the construction and operation of the project.

In this article, we learnt about the debt service reserve account in project finance transactions. To learn about financial modelling for project finance please enroll in our courses:

Project Finance Modeling for Infrastructure Assets –

Project Finance Modeling for Renewable Energy –

Advanced Financial Modeling for Renewable Energy (US Market) –

A shelf corporation allows your business to appear much trustworthy, the clients and suppliers are possibly to have higher confidence in businesses having long and successful operating history. With the ability to simply establish the business relationships with the banks, suppliers and banking institutions are usually at top of list while looking to buy the shelf company. The Shelf Companies already have been set up accurately and the simple modification of company officers is only required to transfer the ownership. Read below the list of advantages:

Acquire new suppliers and contracts

The Shelf company is already registered with the Companies House and hence they already have a history. People can access website of Companies House to see when the company was registered and hence see the permanency of company.

How does a shelf company assist the Suppliers and Contracts?

While starting the business venture it may be quite difficult to secure the contracts as you get classed with the new start up. There are industries and government authorities that insist the company to get registered for specific amount of time prior to allowing tenders. Thus, a company having a history would be enormously beneficial in such circumstances.

It may be a great challenge to acquire trust from the suppliers because of the company getting registered recently.  However, a shelf company having the history at the Companies House will also definitely promote a much professional image and hence they may appear to be much trust worthy.

It becomes easy for business banking

Banking is known to be essential and significant part of routine running of the company. Any company that need professional image must have the bank account of business.

How do a shelf company assist to have a Bank Account?

While approaching to the bank for a business account, business loan or for a credit card, it is always more encouraging to approve for an aged company as compared to a company which is recently registered.

Banks may also be persuaded to check that the investments are made with an aged company is always a safe option as compared with the newly registered company with Companies House.

Enhances the confidence of new client with the business history

The business requires clients and the clients that have confidence in business generally are a crucial part of overall success of company.

Shelf company boost Confidence of Client

Research usually shows that the clients such as companies that may show durability as they provide an impression of getting trustworthy and offer confidence the business will experience in their specific field. Here, the shelf company will also give an impression that a company was around longer and hence give the client with great confidence for doing the business.

Many companies promote the anniversaries of the business to show the significance of being around for long time, new companies unluckily do not give similar kind of impression and clients also are less possible to have trust and faith in these companies.

Shelf Companies helps to Save time

Yes, as compared to the company that is developed from scratch it is always a better option to have a shelf company which is also known as an aged corporation. While staring the business venture is definitely a great deal to think as we as time-consuming duties that you need to complete. Rather, it should be really easy and hassle free to set up a new company.

Now, the question that might strike your mind is how can an aged company or a shelf company assist to save your time? If a company is already pre-registered at the Companies House and hence changing or modifying the details of an officer is only requirement. Modifying the details of an officer may also be done electronically and this may take some hours, that is anyways quicker than average 24 hours for registering the new company.

With this, you will definitely have the confidence that a company has been already set up appropriately by the expert.

You may also start trading with a company in just some hours of purchase, thereby helping you to think less.

Can we change the name of an Aged or shelf company?

All the companies have an option to modify their name at any point of time if the name is not earlier registered with company House.  However, the request of name change of the shelf company could be electronically submitted and this might just take a few hours.

Making the decision to refinance your mortgage is a big step, and while it does have the potential to save you a lot of money over the term of your mortgage – thousands of dollars in some cases – it does come with risks that you should be aware of before making any final decisions.

Below are the benefits and disadvantages of refinancing your mortgage:


  • You get the chance to consolidate your debt with a lower overall rate
  • You can access equity from your home
  • You may get a lower interest rate and save money


  • The penalties associated with refinancing may outweigh the savings
  • When your debts are consolidated, the incentive to pay it down faster diminish

How can you refinance your mortgage?

If you decide, after consulting with a professional financial advisor or mortgage broker, that refinancing your mortgage has more benefits than disadvantages, you can choose one of several ways to carry it out:

  1. Break your current contract, early


If you wanted to get access to a lower rate of interest or access equity from your home, you could consider breaking your mortgage contract early. Your existing contract becomes null and you take on a new one with another lender; a process a qualified mortgage broker can help you with. However, you will likely incur a prepayment penalty from your bank, so it’s important to discuss this with a mortgage expert in detail, to determine whether it would be financially viable.

  1. Add a home equity line of credit (HELOC)


This gives you access to the equity from your home, with a HELOC functioning in a similar manner to a credit card account, but with significantly lower interest rates because it’s a secured loan. Taking money from your HELOC means that you’re responsible for monthly interest-only payments on the outstanding balance, and your existing lender along with a few others, will be able to help you access this line of credit.

  1. Blend and extend your existing mortgage


Blending your existing mortgage rate and any extra money you borrow at current market rates, a ‘blended rate’ might be offered to you by your current lender, but their rates are typically higher, so always seek professional advice before making the decision to do this.

What are the costs associated with refinancing your mortgage?

Depending upon the type of strategy you use to access equity or lower your interest rate, the cost of refinancing your mortgage may vary significantly, and as a lawyer has to change the financing title, legal costs will need to be factored in. That said, if your mortgage balance is greater than $200,000, you might find that a broker and/or lender will cover this cost.

If you decide to break your mortgage mid-term, you will be charged a prepayment penalty from your lender, and if you have a fixed mortgage rate, this amounts to the greater of three months interest or the interest rate differential payment, or IRD. If you have a variable mortgage rate, you’ll simply be required to pay an amount equivalent to three months interest.

For the full lowdown on refinancing your mortgage, schedule a consultation with a licensed mortgage specialist, who will help you assess the pros and cons and guide you towards making the best decision for your individual circumstances.





While making investments online, finding the right broker is very essential. With the help of the right broker, you earn yourself the possibility of earning more money than you already are. Therefore, looking into the concept of investment diversity becomes essential and this helps you make better investments. With a diverse range of investment ideas, you can achieve varying profits, and on top of that, changing to newer investments while still staying in the convenience of a known service becomes easy. Therefore, with NordFX broker review (รีวิว โบรกเกอร์ NordFX, which is the term in Thai, you can have an avid idea about investment.

On the other side of the equation is Forex4You broker review (รีวิว โบรกเกอร์ Forex4You, term in Thai) which is also making investments a lot more convenient as well as reliable. The investment standard set by these brokers is high and considering their excellent services, the broker services have gained quite some popularity among the Thai people. Moreover, offering their excellent services to the customers at the most reasonable rates has made them a good choice for investment brokers. 

What Sets NordFX Apart From The Other Brokers?

When you choose NordFX as your broker, it is important to take a little note of all the pros and cons of the services. The steps to open an account are not just easy and convenient, it is as simple as it can get, and thus, even beginners can start investing. Moreover, professional advisors come to help you make the right investments. The consultation aid that is provided in the Thai language is a huge savior but, the inquiries are available only during business hours. Moreover, a minimum deposit has to be made irrespective of what kind of account is being used.

Forex4You And How Well Is It For Your Investment?

For Forex4You, the broker offers various bonuses that are extremely attractive to the ones who are starting with the investment journey. Most importantly, unlike any other broker services, you do not have to deposit any base amount and thus you can deposit money as per your wish. Moreover, making deposits with the help of the Forex4You broker is easy as it supports all forms of depositing options including credit card, debit card, e-currency.

What Sets NordFX And Forex4You Apart From Each Other?

Being among the two most popular options for brokers of investment, both NordFX review and Forex4You review have gained the trust of the people. But, both the brokers hold quite some differences with each other considering how they function. For instance, NordFX is available for use on your mobile phones in the form of mobile applications but, Forex4You does not have any such dedicated application. On the other hand, the funding for NordFX can be done only via bank transfer or Neteller but for Forex4You, you may also use a credit card. 

There is a multitude of ways to increase your money in the current year. With the fintech industry, Bitcoin, and other altcoins gaining traction, it’s high time to brush up on your finance handling skills to make the most out of your investments. You don’t need to worry about how much money you make as long as you can handle it appropriately.

PT Unified Trade Indonesia has compiled some tips on how to handle personal finances this 2021:

1. Smart Shopping Practices

First and foremost, you should improve how you distinguish necessities from luxuries. Sometimes, it’s hard to tell your wants from your needs, so you should diligently review your purchases. 

Here are some tips on how to shop smart:

  • Don’t buy things just to post on social media. If you need to select between a cheaper yet unaesthetic and an expensive aesthetic product, you shouldn’t decide based solely on what looks good for Instagram. 
  • Don’t be tempted to buy things in bulk. Stores give discounts on products that are about to expire, so you won’t necessarily save when you buy two bottles unless you have a large household that can consume all of those within your allocated budget.
  • Compare price differences. Make an informed decision based on quality, durability, and price when buying a product.

PT Unified Trade Indonesia review has revealed that smart spending can go a long way in extending your personal finances.

2. Save a Percentage of Your Income for Emergencies

Regardless of how well your business or job is doing now, you should prepare for the future. There is no permanent job or situation, so you have to be ready for untimely incidents. Sometimes, medical incidents or calamities could cause more expenses.

Save 10% of your monthly salary as your emergency fund, and set it aside for a rainy day. However, don’t start saving until you have settled your outstanding balances or in case another global pandemic comes along.

3. Use Money to Make More Money

It’s common knowledge that the wealthy use their funds to invest in ventures to gain more money. You can create an investment portfolio with various stocks and cryptocurrencies. Companies like PT Unified Trade Indonesia specialize in helping individuals with little to no investment experience.

4. Track Your Credit

One of the most common traps is consuming up to your credit card’s limit. As a rule of thumb, you should try to keep your spending to 30% of your overall limit to ensure that you don’t overspend. Aside from that, it would be best if you took note of all the credit.

5. Check for Transaction Fees or Hidden Fees

It would help if you took note of transaction fees or hidden fees when making online purchases. Sometimes, you end up paying more than you save when ordering online, so you should always check the total bill before checking out your digital shopping cart.


Being smart about your finances will open up infinite possibilities. You can future-proof your life and create more opportunities to make more money. Before you spend your next dollar, make sure you are thinking about your emergency funds and needs.

Accountancy might seem like a straightforward job – merely ‘crunching the numbers’, while it is true that working with financial information is a big part of the job, accounting is also a critical part of any business.

Accountants conwy are really important for all businesses both great and small, as such they play a pivotal role in all aspects of our professional lives.

What does an accountant do on a daily basis you ask? Where we will discuss the roles and responsibilities and important skills and career outlook for accountants. We will also go through the current trends that are having an effect on the field.

What is an accountant?

An accountant is a professional who is responsible for keeping as well as interpreting financial records. The majority of accountants are responsible for a large variety of finance related tasks. This is true for individual clients or larger businesses and organisations that employ them. Other terms are used in conjunction with this, including accountant, bookkeeper and others. However, there are many differences between these.

Bookkeepers will have an associate degree and focus on recording financial transactions. Accountants on the other hand will have earned a bachelor’s degree in accounting, these are tasked with interpreting financial information rather than gathering it together.

Accountants can be bookkeepers, but not all bookkeepers can be accountants.

The roles and responsibilities of accountants vary depending on your position. Some of the most common tasks and responsibilities of accountants includes the likes of the following.

  • Ensuring the accuracy of financial documents and that they comply with laws and rules of the time.
  • Preparing and maintaining important financial reports
  • Preparing tax returns, and ensuring that taxes are paid not only properly, but also on time.
  • Evaluating financial operations to recommend the best practices.
  • Identify issues and come up with practical solutions.
  • Help organisations run efficiently.
  • Offer guidance on cost reduction, revenue enhancement, profit maximisation and more.

Conduct forecasting and risk analysis.

Accountants also have a legal obligation to act honestly and not be negligent in their practice. They are also responsible for ensuring that clients’ financial records comply with laws and regulations.

Important skills

There are a few important skills that all accountants need in order to be successful in their roles. Some of the most important skills needed includes:

  • Attention to detail
  • Analytical skills
  • Business know-how
  • IT skills
  • Communication
  • Mathematical aptitude

Accountancy is in demand and boasts impressive salaries as well as great job growth to match. As such, accountancy is a fantastic career with scope to operate in a wide variety of settings as well as earn a great salary. It also serves an important purpose to businesses the world over.

If you are looking for an accountant, we recommend that you look at testimonials online, on a good business directory or ask people around you who a reliable and decent accountant would be to have on-side.

Irrespective of your finance requirements, it is definitely a sound and fair idea to identify a professional and knowledgeable finance broker who would be able to solve your issues related to any sort of finance.   What exactly is his role? He acts as a middleman when it comes to loan application processing and aids in making the entire activity simpler and less of a hassle.  He will offer us the right lender and definitely smart lending solutions.  The broker does the job of evaluation of the client condition and requirement.  The broker firstly understands the reason why a client is taking the loan and accordingly processes the same.

Get to know more and do your complete research about finance broker perth and accordingly take a call with regards to the type of loan you intend taking.  The broker will present you a plethora of products from varied lenders and a professional broker would be able to provide you the best deals based on your criteria.

Personal finance is required by many individuals and if you get in touch with a good and experienced finance broker, he would be able to guide you and get the possible deal.  They help identify your borrowing abilities and needs and will do the groundwork for you and help identify the loan that is best suited to your requirements and circumstances.  It basically implies following the finance processes and managing the entire activity till you are given the loan.

The greater the number of lenders and lending companies he does his research on, the greater are your chances of getting a good lending finance company.  The broker will create a larger umbrella of lending companies and organize the loan in such a manner that you get it at the right time and also at a relatively low rate of interest.   Since they have the requisite knowhow and knowledge and of course the experience when it comes to loans and finance companies, you can be rest assured of getting a good deal. The only negative of going directly to the lending institution is that you may not have had the time and the inquisitiveness to do a thorough research about the lending companies and may end up paying a high rate of interest.  Since the finance brokers are into this line of business, they have a better perspective of the finance company and you would definitely be at a profitable position.

Bookkeeping is the process of organizing and recording financial transactions systematically. Maintaining professional and solid accounting practice is important for business growth. You can take help Bookkeeping Services Dallas with all the financial needs of your business. The process of bookkeeping involves the day-to-day recording of the financial transaction done in a business. Bookkeeping ensures that the records of the transactions and comprehensive, up-to-date and correct. Accuracy is the key factor of the process. The process is distinct and it occurs in a broader scope of accounting. Every transaction be it sale or purchase has to be recorded under bookkeeping.

The tasks of a bookkeeper

Bookkeeping is all about tracking and recording the numbers that are engaged with the financial side of the business. Bookkeeping is essential for all kinds of business. It is equally important for non-profit organizations and individuals. A bookkeeper is responsible to record all the transactions that are related to:

  • Payment of loans
  • Payment scheduled for the suppliers
  • Generate financial reports
  • Customer payments for all the invoices
  • Closely monitor the asset depreciation

Accounting and bookkeeping are often used interchangeably. However, accounting is the practice of managing the finances of an individual or business. On the contrary, bookkeeping is specific to the practices and tasks that involve recording all kinds of financial activities.

Importance of bookkeeping

Bookkeeping has a long history and it forms a fundamental part of accounting. Traditionally, it involved a double-entry system, charts of accounts, and ledgers. Bookkeeping becomes complex with the introduction of investments, loans, taxes, and assets. The truest purpose of bookkeeping is to track the financial activities of a business, which means it allows you to keep an updated record of the outgoing and incoming amounts. It includes all the monetary amount that is owed by the business and customers. Detailed and thorough bookkeeping is crucial for all sizes of business. Bookkeeper Dallas can help you with the obvious jobs of bookkeeping for your business.

The advancement in technology has improved the bookkeeping process entirely. There is various software available for purchase. This software is built to make the work of bookkeeping easier. The processes have become completely online and are backed up by cloud technology.