Power Ideaz

To set up the office you do not need much space. It can be at one part of your home. The basic necessities are –

1.   A computer/laptop with an internet connection.

2.    A telephone.
3.    A table with notebooks and pen (and other necessary stationary).
4.    A ‘DO NOT DISTURB’ board for your family.
5.    Enough space to store your products.

DO NOT HESITATE TO ASK QUESTIONS & TO CLEAR DOUBTS.

My first office was my home. My son Rishav would play around me and I would give him company or tell him stories during breaks. Now after many years I have 3 offices in Kolkata and Mumbai with one more opening up in New York within months.

My offices are furnished and well equipped like any regular office. Only difference is that there is no boss over me.

Now get going on your own business

•    Give out your business card to ten new people everyday.
•    Ask prospective clients if they can spare some time for you.
•    Learn about and use your own products.
•    Learn more everyday.
•    Be positive and enthusiastic about your own business all the time.
•    Talk about your product and your business

•    Make phone calls everyday.

•    NEVER GIVE UP

Ask yourself

Wake up every morning. Think of the bright future ahead. And ask yourself –

• Am I going to get more disciplined?
• Am I putting effort to learn more?
• What do I need to change in myself?
• How do I gather more knowledge?
• What do I need to do to be a leader?
• Do I need to change my life and be richer?

YES. YES. And Yes. You are the boss. Have a great career ahead! Wish you all the best.

Today’s post continues from where I left yesterday

Pinaki Ghosh 

The Bait:
The report that you’ve been “pre-qualified” to receive something like a low-interest loan or credit card, or repair your bad credit even though banks have turned you down is the ultimate bait here. To take the benefit of this, you must first be ready to shell up a processing fee which may be of some several hundred dollars.
The Take:
A lawful and pre-qualified take also means you’ve been given the chance to apply. Firstly you must try and complete a form which can still be turned down just in case. If you have paid a fee in advance for the promise of a loan or credit card, you’ve been hustled. There may be a list of lenders, but there’s no loan, and the person you’ve paid has swiped off your money and run away.
Your Safety Net:
If in case you think it’s just a promise with no legal documents, do not pay! The legal lenders never base their cards on “guarantee” or talk about loans before you even apply. It may require that you pay for the application, appraisal, or credit report fees, but these fees rarely are required before the person who is lending is identified and the terms and conditions are completed. The plus is that the fees which are generally paid to the lender and not to the middle man who arranged the much “guaranteed” loan.
You can forward unsolicited email containing credit offers to spam@uce.gov.
 

Debt Relief
The Bait:
This is when the mails advertise themselves in a way that one can combine their bills into their monthly payment without even borrowing; or the stop credit harassments, foreclosures, repossessions, tax levies and garnishments; or pay off your credits.
The Take:
The offers, often involve a lot of bankruptcy proceedings, but rarely say so. The reason being, that it has a negative and at the same time a long term impact on your creditworthiness. A bankruptcy stays on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. To top it off, you will likely be responsible for attorneys’ fees for bankruptcy proceedings.

Your Safety Net:
Try getting the main idea from the mails. Before actually resorting to the bankruptcy, get into a conversation with your creditors about arranging a modified payment plan, contact a credit counseling service to help you develop a debt repayment plan, or carefully consider a second mortgage or home equity line of credit. But you must take care that while a home loan may allow you to combine your debts, it may also require your home as security. And just in case you do not make your payments, you could unfortunately lose your home.
You can forward debt relief offers to spam@uce.gov.
 

Investment Schemes
The Bait:
The mails which promise one the “investments” and the high rates of return with little or no risk are the bait here. In one way it seeks the investors to form an offshore bank. In another way it is absolutely vague about the nature of the investment, and also the stress in the rates of return. The promoter’s sometimes publicize the high-level financial connections; and also the fact that they’re privy to information from within the body; also that they’ll give a guarantee on the investment; or again that they’ll buy it back. To stop the deal, they would often serve up phony statistics, and then misrepresent the significance of a current event, or stress the unique quality of their offerings.

The Take:
Most of the unsolicited plans are often a good investment for the advertisers, but not so for the ones taking part. Promoters of fraudulent investments operate a particular scam for a short time, close down before they can be detected, and quickly spend the money they take in. Here, they might open an account in a new name, and also by selling another  

Investment scam.
Your Safety Net:
Take as much time in understanding the offer as the higher the promised return then the higher is the risk. Do not let an advertiser put you under pressure into committing an investment before you are sure that it’s legal.
To understand and sign up for any investment offer, get yourself an attorney or an accountant who can help you understand.
In case of any scam spam, forward it with investment-related schemes to spam@uce.gov.

By Pinaki Ghosh

1. Co-registration leads
Co-registration leads are better known as the commercial leads that are available on sale from leads traders. There are plenty of leads sellers who deal in such co-registration leads. They sell leads in several packages and at the same time promise to deliver general or targeted leads on demand, and in packages of 10,000, 100,000 or 500,000 leads.
They usually get these leads from the other small traders, or websites who sell them their own list. These sites build lists using various methods, like offering free e-books if visitors sign up the squeeze page. The list of hundreds of such sites are purchased by commercial leads traders, and compiled into general or categorical lists, which are sold to buyers on payment.

Here are some of the vendors of commercial leads, or co-registration leads:

 http://www.coregleadsource.com/
 http://www.leadsales.net/coregistration_leads.htm
 http://www.national-leads.com/bulkemailleads.html
 https://www.incentaclick.com/coregistration.php
 http://www.multiplestreammktg.com/buy_leads.html

Although, it is a good idea to be cautious while purchasing the co-registration leads, as sometimes unknowingly you might be drawn into a scam. Understand the 3 points that you should be careful about:

Scams with co-registration leads you should be careful about
o You paid good money to buy leads, you are getting visits, but not sales: The leads are fake, which means, they are not names and addresses of genuine people. Some times, children over the age of 13 are hired by the leads sellers to click on your email and visit your site. Needless to say these fake visitors will not generate any sales.

o Your hosting service provider has shut down your site: Most of the people unknowingly pay the spammers for illegal spam lists, thinking them to be genuine lists. The spam lists include email addresses of people who have opted out of the list; meaning, they prefer not to be mailed. If you mail these people, your site may get flagged and shut down. If your e-mailer cannot produce the IP address along with date and time stamp for each name he mails to, he does not have an opt in list. And this is how you can be on the safer side!

o You sent 2 million emails, but did not get a single response: If you outsource your email campaigns to the service providers, it may often happen that they do not carry out your campaign, even after receiving the payment from you. Due to which you do not get a single response. It is better to (a) go for a deal with the outsourcing company, where you want a fixed number of guaranteed conversion sales rather than a fixed number of emails sent out; (b) send the emails yourself, after creating your own list.

2. Website opt in box
It is the most simple, clean, and honest way to generate your own leads. There is no reason or any doubt about if whether you are being sold illegal leads or whether the leads will land you in trouble. These are your very own leads that your visitors have voluntarily offered you, by opting in to your newsletter list.
In all the sites which are of 5 pages, there is an option where you can subscribe to the site or even become a member. The members get the privileges over the non members; like to post in the forum one has to be a member. Non members can read the forum but cannot interact. This encourages the visitors to become opt in members by giving their details. This allows them to sign in, and allows you to legally send them newsletters announcing your very tempting offers.
It may be time consuming, but is a good way of list building.

3. Squeeze pages
The squeeze pages are better known as the landing pages, which are there for people to just collect the names and email addresses of visitors, in exchange of giving a free gift like an e-book which is essential. This is quite common in small websites. Some small websites have nothing except just a squeeze page. The content is kept to the least for avoiding distraction.
Here is an example of a squeeze page to understand it more:http://www.adsense-secrets.com/ .
Although the content is less, still people gather on these sites and even provide with their email addresses in the greed of getting the much hyped free e-book. The email addresses collected in this method is compiled into a sizeable list.
Squeeze pages are a simple method of list building than website opts in box, just because of the minimum content and the free gift exchange.

Ways to get visitors
1. Writing articles: The search engines and human visitors like the unique content. Articles are a splendid way to draw visitors. Articles on interesting topics like self help, or self development can be the way to go about, or you might try specific topics.

2. Posting in Ezines: Posting the content or articles in popular ezines is one of the good ways to get visitors. People come to popular ezines like http://ezinearticles.com in search of information and knowledge. Your info-rich article that also highlights your site and links to it is a sure success formula for drawing the attention from the crowd.

3. SEO: Hiring a professional SEO person can be a good investment which is worth making to attract the crowd. They have several legal and at times illegal ways of pulling the crowd.

4. Newsletters: The Newsletters and email campaigns can bring in the visitors if carried out successfully and in an innovative manner.

5. Affiliate programs: Means giving commission to the associates for every paid signup which is an excellent option to see visitors coming in.

6. Click advertising: (PPC) maybe expensive, but the programs such as Google Ad Words, can get in visitors within minutes of making your payments.

7. Free gifts: Most of the visitors are in search for items that are free. Giving out free digital gifts will not cost you much, yet can change the visitors scene for your site. Such digital gifts can be e-books or downloadable software’s.

By Pinaki Ghosh

An amusing line says that an internet marketer would first try to save his backup disks containing his lists, before anything else, if his house catches fire. Here are some of the facts about the importance of list building, to understand it better:

List building is an integral part of email marketing and also that of e-business. This business cannot prosper if you decide not to build your own lists.
The larger your list, the more are your chances of profit. It is like simple logic! If you have 10,000 people in your list, and run an email campaign, you are likely to get response from 100 – 400. If your list consists of 20,000 names and addresses, your response is likely to be between 200 and 800.

 You possibly cannot grow your e-business without the help of list building. It will always remain static and there will be no growth curve.
 List building helps you majorly to run email campaigns, to inform about new products and services, new schemes, new offers, discounts, etc.
 It helps in mailing newsletters, which is nothing but an email campaign in a more creative, concealed and helpful manner. The more the creative and helpful newsletters are, the better are the prospects of winning buyers.
 List building is a must for running viral marketing campaigns. Do go through the chapter on viral marketing in this book for additional information on the same.
 It helps you to get back your old visitors; it helps in sending a reminder to the visitors that they had once visited this site. It is said that in any business, the old customers are the best customers that one can get. Therefore, the list of your old customers is the best leads to get repeat business.
 The longer lists help in saving a lot of money on advertising. If most of your visitors come in revert to your email campaign which is obviously dependent on the list, what is the need of running expensive email campaigns?
 List building is legally safe and hence you will not be recognized as a spammer if you send emails to people in your list, since these people had by themselves given you their names and email addresses.

Given below is a typical agreement which you can sign with your ghostwriter.

CO-WRITER/GHOSTWRITER-AUTHOR AGREEMENT OVER A BOOK

By this memorandum of understanding, signed this _____________ 2008; both the parties described herein under as PARTY A, represented by ______________, address, _____________________________________ also described as the ‘author’; and PARTY B, represented by ___________, address ____________________________________________________________________________________, also described as ‘ghostwriter’, do hereby agree to all the terms described and given below:

1. Party A is commissioning Party B to begin the project of writing a book on the subject: _______________________________________________________.
2. The tentative working title of the book shall be _______________________________________________________’. This title is subject to change subject to mutual consent of both the parties.
3. The deadline for completion of this book is _______ days after the signing of this agreement.
4. Party A agrees to pay Party B a consolidated sum of $_________ for the project that will include the following:
   1. Writing the content of the book on the guidelines of Party A.
   2. Getting it edited by a pro-editor before submission.
5. The fees of the co-writer/ghostwriter will be paid as follows:
   1. 50% advance to get the project started.
   2. 50% within 10 days of complete work submission (irrespective of whether Party A found time to go through it in 10 days or not).
6. Party B (ghostwriter) is subject to NO royalty or commission on the sales of the book. He is only entitled to the one time fees of $_________.
7. Party B (ghostwriter) will maintain full confidentiality about this project.
8. The book will be __________ pages long.
9. Party B agrees that he will not take the help of any plagiarism, meaning he will avoid using borrowed material in this book exactly as they are found elsewhere.
10. Party A will own all copyrights for this book, including sale and distribution rights.
11. Party A will have full freedom to set the retail price of this book, deal with any publisher, and may even distribute it free of cost if she wishes. Party B will have no say on setting the price of this book.
12. Party A can request party B to make a reasonable number of changes and edits during the period of production of this book and within 7 days of completion of the book.

Both the parties do hereby agree to the terms laid and set above.

Signature

Party A (author)

————————————————————————————-

Signature

Party B (ghostwriter)

Date:

By Pinaki Ghosh

A. Setting up an account with a domain name registrar
When you feel the urge to drink coffee, you can make a cup of coffee in a jiffy. Setting an account with a domain name registrar; or in simpler words, registering a domain name of your site is as simple as making yourself a cup of coffee.

For your help, here is a list of accredited companies that do the needful for you:
http://www.icann.org/registrars/accredited-list.html

Here are some well known registrars for you:

• GoDaddy.com
• behosting.com/register.html
• DomainInvestigator.com
• InexpensiveDomains.com
• NameCow.net
• NamesAreCheap.com

As we enter the process of registration, you must know the various extensions which are:
• Companies have the Dot Com.
• The non profit organizations use the Dot Org.
• Network providers use the Dot Net.
• The government owned websites go with Dot Gov.
• Television channels have the Dot Tv.

Leaving these aside there are more extensions for various countries and continents such as Dot uk for the sites in UK, Dot in for the Indian sites, etc.

Study the steps to follow while registering the domain name:
1. log on to the site of the online domain name registrar
2. Type in the name of the phrase for the domain name which you want to register in the box that has been assigned. Follow the rules as per the name format and the length of the word. Then you can choose the necessary extension.
3. It does not take a lot of time to search. The registrar then informs you about the availability of the domain name.

In case it has been already taken:
(a) Try using some other extension like, like in place of Dot Com use Dot Net, Dot Biz or Dot au etc
(b) Choose another name
(c) If you really want to have the same name try getting in touch with the one who already owns it and buy it from him at a reasonable price.

4. Get yourself registered when you actually are happy with the name.
5. You can pay the registration fees which may vary but is around 10$ for one year, online or by mail.

The domain name now belongs to you. By default you get the domain name for two years. Here’s an advice: Do not go in for the common names as they are already taken, try the uncommon names.

By Pinaki Ghosh 

Who is a ghostwriter and why are they hired?

People who pen down the articles on behalf of any other person are known as Ghostwriters. He generally does not get his name published in those writings. Most of the time, the celebrities get their autobiographies done from these Ghostwriters. The rich people too, hire these ghostwriters for the same. To name a few, Hillary Clinton, JF Kennedy and also the pop diva Madonna have hired their writers for the books. As these celebrities cannot find time to write themselves, but have the money to hire a ghost writer, they go in for one. The politicians too have their own Ghostwriters who are the people who write the speeches and the other correspondences.  As the Ghostwriters do not get any name or recognition for the service, they take heavy one time fees.

Recognition
Not always do the ghostwriters go unnoticed. Most of the times, the names of these writers are given on the acknowledgements page or sometimes as the co- writers. Thus, here they aren’t called the Ghostwriters, but collaborators.

Varieties of Ghostwriters
Not always do the people who hire these Ghostwriters lack the talent of writing. Sometimes established professional writers hire ghostwriters due to their lack of time, and also for refinement of their work. Just like, the Star Wars Novel, which was mainly a ghostwriter’s work, anmd also the Hardy Boys series that had the main author as Franklin W Dixon.

Why do you need a Ghostwriter?
It is definitely a good idea to get professional writers, especially a Ghostwriter for your articles. The best reasons are:

• They can give you the best content for your site
• They can write a blog everyday according to your requirement
• They can prepare you tailor-made, refined and good e-books

You can get some good writers and ghostwriters from the following sites:
• www.writerpinaki.com.com (bestseller ghostwriter hire)

• www.writer4me.com (affordable ghostwriter hire)

• www.123writer.com

These sites charge you somewhere in between $ 9.99 to $20 for every web-content piece/page that you order. For e-books the rate is about $400 to $1000 for every 100 pages.

Okay, now for some laugh… here are some common office phrases compiled by us, with what these phrases mean. Whether you agree is up to you. Cheers!

1.”We will do it” means “You will do it.”

2.”You have done a great job” means “More work to be given to you.”

3.”We are working on it” means “We have not yet started working on the same.”

4.”Tomorrow first thing in the morning” means “Its not getting done “At least not tomorrow!”

5.”After discussion we will decide-I am very open to views” means “I have already decided, I will tell you what to do.”

6.”There was a slight miscommunication” means “We had actually lied.”

7.”Lets call a meeting and discuss” means “I have no time now, will talk later.”

8.”We can always do it” means “We actually cannot do the same on time.”

9.”We are on the right track but there needs to be a slight extension of the deadline” means “The project is screwed up, we cannot deliver on time.”

10.”We had slight differences of opinion “means “We had actually fought.”

11.”Make a list of the work that you do and let’s see how I can help you” means “Anyway you have to find a way out… no help from me.”

12.”You should have told me earlier” means “Well even if you told me earlier that would have made hardly any difference!”

13.”We need to find out the real reason” means “Well I will tell you where your fault is.”

14.”Well Family is important; your leave is always granted. Just ensure that the work is not affected,” means, “Well you know…”

15.”We are a team,” means, “I am not the only one to be blamed.”

16.”That’s actually a good question” means “I do not know anything about it.”

17.”All the Best” means “You are in trouble”

By Pinaki Ghosh

If you are planning to start up with your own ecommerce site or already own one, you must get your updates and facts revised. Here are 7 main strategies which would help you instantly to gain profits. These policies are tested and confirmed.
1. Solid product description
While advertising your product online you must be able to make some good descriptions about the product which can create an interest among your customers. The products (in case of 50 plus articles) must be described in around 125 -150 words in length. For quality sake, getting the articles done from a professional person is imperative.  In case you are on the look out for professionals or freelancers, you may log on to sites like Writer4me (www.writer4me.com), 123writer (www.123writer.com), Guru (www.guru.com) and Elance (www.elance.com) to hire copywriters/content-writers who will work on your descriptions and give an amazing outcome or even help sell a refrigerator to an Eskimo.  In the case that you are selling an e-book or some course through your site, you can get the sales copy made, which may comprise of 3000-5000 words in length. Also, you can add in the feedbacks from your clients.
2. Accompanied by picture
Sometimes pictures provide the best explanations ever. Until and unless you put pictures on the products for the net, you really would not be able to create the interest on the customers. People like to see the products that they would want to buy, as said by Mark Luetke the marketing guru. But messy images are not really appealing. In case of really small products you can give them the satin background or maybe give it a cropped look and can even replace it with maybe a plain background. When the products such as car and bikes are promoted, you may get the shots outdoors. The cover pages of the e-books must be of high quality, cost of which is $30 upwards. You can visit the sites such as Writer4me (www.writer4me.com), if your budget is around $50, to get the best and the most professional e-book covers in the market.
3. Cross selling
Chain your other items just below the description of the products of each item so that people who want to purchase the product can also look out for other related products.  This way you can increase your sales upto 30%.
4. Free gifts to visitors to get their email address
Give out free gifts like ebooks from your squeeze page to any visitor who gives his/her email address. This way you can create your own database of your visitors whom you can keep updated with your newsletters.
5. Newsletters
Spam mails differ from newsletters. I would be surprised if anyone says he/she likes spam mails. They are advertisement-mails that go directly to the folder that has been assigned in your email account for ‘spam’. But newsletters give some really useful information to the customers and thus, most people mark the mails as ‘not spam’. This may be one of the powerful tools in keeping the update on the new products and schemes. Newsletters are far better than spam mails as promotional tools.
6. Discount
Giving various discounts throughout the year such as ‘winter bonanza: 25% off’ or maybe the ‘Spring Festival-up to 50% discount’ can boost up your sales. Keeping a track of your old customers and the ones that rely on you and then complementing them by giving some additional benefits can help.
7. Show professionalism with your affiliates
In case you are heading an affiliate program, you must act professionally. Clearing off the payment of your affiliates on time, and giving them codes for your banners can help in keeping good relations with them. Do not keep the affiliates hanging for a lot of time to get their commission.
Also, you can work on increasing your sources of getting some extra income by tying with the other service providers as an affiliate (and get commission) and also Google YPN (contextual pay per click). You can earn several hundred or even thousands of dollars every month from this.

By Pinaki Ghosh

So, are you all set to put your best foot ahead in the internet business field? Greetings to the internet marketing field of the world! The success stories such as those like Yahoo and Google are true, especially with the internet based business, it’s also true that a website which does not have any marketing plan is more or less like a store about which one would not know, and thus would not see a bad happening. Merely setting up your site is not important but how to gain the popularity is what is important. What would actually make your website popular and work is what one should be stressing on. Ultimately your site is your own money minting factory in just 6 months?
1. Writing articles
Content is often crowned as the king. Your site visitors are often attracted to the content more than anything. A good-looking site without good content is like food that looks yummy but does not have any taste, and hence finds no takers. Not many master the art of writing good articles.
“
A good-looking site without good content
is like food that looks yummy but does not have any taste, and hence finds no takers.
”
The articles should be keyword rich (repeated use of the keywords), so that they are found quickly during keyword search. Informative articles are extremely helpful and thus these articles must be posted in the various blogs and article banks, directories and ezines. And they should in turn be linked to your site. If you are very busy, hiring a copy writer is a good idea.
2. Pay per Click Marketing
One of the most expensive but the best ways of drawing the traffic is pay-par-click marketing. If you do not lie in the lower budgets but are keen on the profits, you should without hesitation try PPC. Mostly, success comes guaranteed.
Some of the popular Pay per Click schemes is:

•   Google Ad Words
•   Yahoo Search Marketing
•   Microsoft AdCenter

When you go for PPC advertisements, you must pay beforehand. Every time someone clicks on your ad, your pre-paid balance instantly gets debited. The advertisements also appear in the websites which have similar content such as your own site; as well as Google, Yahoo and MSN search engine listings. Sponsored results appear over natural search results. There have been however reports of click fraud, which may result in your loss of money.
3. Traffic purchase
Some of the sites offer visitor packages for fixed prices. The ultimate decision maker is you, who can make your decision and choose from the various packages that are available. Example: you can choose from a package of 1000 guaranteed visitors per month for a payment of $50 or 5000 visitors for $180 so on. You can choose the one that fits in your pocket and can get the traffic diverted to your site according to your requirement. But you must also keep away from the frauds.
4. Buying expired domains
Supposing someone hands over the keys of a new car which has been purchased by someone else, and then says, “Have fun! It’s for you!”  Would you instantly take it? Most possibly you would take it. Well, most of us would in such cases. In the world of internet too, sometimes websites that are owned by one, are often handled by people who get to manage it. To talk in clear terms, if I have my own website, I work hard to build up a traffic that can be beneficial to me, but gradually, maybe my other commitments and busy schedule and forgetfulness or maybe my carelessness to renew the website adds up, and after a time, the website expires. People are on constant vigil. As soon as the site expires they start up their own with the same domain name, and thus get a ready made traffic flow.
5. Viral marketing
One of the cheapest and the affordable ways of internet marketing is Viral Marketing. It works on the concept of chain mails, just the way hotmail used it for its popularity. Pictures, videos and e-books which are free are mostly loved by people. Especially when these items are placed on your site, people love to use them and forward them to their loved ones. Thus, by personalizing them and giving your name somewhere on the items, you end up marketing your site. Also, in case your product is liked by people they would end up forwarding it and thus, the number of viewers of your site goes only higher. The popularity of your site increases.

By Pinaki Ghosh

Keeping a track of your emails isn’t a big problem when you’re receiving a mere ten or less than ten mails a day. As your business grows the picture will change. As you end up sending approximately hundred mails a day, you too will receive as many mails. Thus, planning out a mail management system is advisable than to find yourself in a pretty nasty soup. The following tips may prove to be of great help:
1. Do not open your mails every time they arrive
One of the worst time killers, which often goes unrealized are incoming emails. Most of the email programs, have the email notifications like, when one receives a mail, you have little pop ups or some beeps and some shiny icons which act like mail alerts. But immediate reactions can end up as a distraction for those who work. While working, you must continue to work and not react to these mails. Time yourself to read the mails too. Set aside 2 or 3 fixed time in the day when you will read and answer mails…rather than reading them the moment they arrive. This is one of the most accepted and the best remedy overall.
2. Managing storage space 
Nowadays, one can see a lot many email programs which have a highly large space to offer. For example, Yahoo Mail got its Yahoo Mail Beta into market and offered a total 1 GB storage email space which was in turn a huge up gradation factor. Thus, the end result is such that if one is a light user of the emails, he would never have to delete mails. The same was the case when Microsoft launched its Windows Live Mail and the storage space was twice the space that Yahoo offered.

2 GB mail storage space was astonishing! This also meant that one would never have to delete mails and can also keep the attachments!
For those who have opted for the other programs or sites, they should keep in mind the 2 basic principles: (a) you must try and shift or go in for some mail program which would offer you a better space to store your mails (b) you may erase most of the mails as you receive them especially those which aren’t necessary. Once the attachment has been downloaded, you could delete the mails or just if you want to save them, you can do so in one of your separate folders. Adding any of the advertisements and the junk mails could be named as ‘spam’ and eventually you spam folder can be cleaned after a period of time.
3. Sending heavy attachments with your mails
Winzip can condense attachments of your mail to some extent. Most of the people who excel in this field know that this is not really sufficient, mainly when one has to send in the mails with heavy attachments and content with large graphics. Leave aside the others, MS Word documents which have graphs and graphics are not really lucky enough to be delivered as attachments if they are heavy files exceeding 10 MB. Thus, people have to find a solution for the same. Programs like http://rapidshare.com, http://megaupload.com, or http://4shared.com to upload the most important and heavy files are helpful. Once you are done with the uploading, you would receive a downloading link. All you have to do is mail the link to solve the entire problem. The main receiver must click on the link to download.

4. Keep a copy of sent items
Saving the mails that have been sent is another good option. To keep the sent items folder enabled always would help you keep a record and not lose any important information ever.
5. Spell Checking
It’s really sad that most of the email sites and programs do not offer the spell check facility like Microsoft Windows Live Mail. Thus, it’s advisable that you are a little cautious about your spellings when one is sending the mails to the big companies. A lot of the typos may change their attitude about you.
6. Use filters for better email management
One must make proper use of filters or even better known as folders. If you receive a lot of mails from many organizations, you may sort them according to your preferences in different folders. Naming the folders by different names would help you locate faster. When all the mails accumulate in one place it gives your inbox a messy look.
7. How to find email addresses
It gets annoying when you cannot find the email addresses of the person you are wanting to mail while sending an email. A Gmail or the Yahoo Mail Beta user would find that easy as the contacts appear when you happen to type in the first or the first two letters of the person you intend to mail, which is extremely convenient. Even Windows Live Mail happens to give you the freedom to check the email address of the person from the icons given next to compose and send column. If the email program that you are using does not help you out here, you may use the sites such as www.four11.com, www.switchboard.com and www.whowhere.com.
Once you follow these seven simple steps, it will help you in the management of your emails which is otherwise a nightmare, especially when have your business at the peak.

Are you facing a foreclosure?

If yes, you need to act on it pretty quickly before things get out of your control and you end up loosing your home.

Remember, your lender will be getting a deficiency judgment if your home goes into foreclosure. This is for the difference between what you owed to the lender together with the attorney fees and the selling price of your home at auction.

But don’t worry. I have some very useful tips for you that are sure to tide you out of the crisis:

Make a budget: This is an essential step which will let you to visualize the amount you earn and spend. Keep in mind that this information has a crucial role to play if you wish to figure out a deal with your lender or even to file a petition to safeguard yourself from bankruptcy. Also, it will help you in slashing your expenses, where you think that’s necessary. In the statement you make, do not forget to underline the debts you owe (for example, unpaid bills of your credit cards).

Go all out to pay your loans: The home loan is your priority debt. You should never forget this. So, try everything to make sure that you are repaying your home loan every month. You must bear in your mind that even a month’s slip can be disastrous.

If you feel that your income is not enough to get you through, simply go for additional sources of earning. It can be a part-time job, selling items in eBay.com or even letting out your house on rent. You can even consider getting yourself enrolled in a credit program to get a respite from your credit card debts.

Try refinancing: This is a wonderful option if your loan hasn’t yet affected you in a negative way and you can still manage another loan at a reasonable rate. Refinancing or taking out a home equity loan can go a long way in solving your crisis. But you need to be very careful about this option, especially when you pay off your credit card debts. Remember, in case you fail to recover in time, you will be compelled to repay those debts which would have been waived in bankruptcy.

External help: Contact the Department of Housing and Urban Development, in case you fail to work out a payment arrangement with your lender. Remember, this department keeps a list of standard counseling agencies that may help you in saving your home. You must follow this route, if you have an FHA or VA loan.

Plus, you can also go for a legal help from any attorney who is an expert in bankruptcy matter and conversant with the foreclosure laws of your state

Search out a real estate investor: It can happen that you have no equity at home that can fetch you a loan at a decent rate. In that case, getting in touch with a real estate investor can be a smart strategy on your part. But, make sure, the investor you select is a reputed one. You should know that the real estate investor can make your lender agree to accept an amount which is less than what you actually owe and make an “under-selling” of your home.

But make sure that you have a written undertaking from the lender that you will no way be accountable for the deficiency, i.e. the difference between the amount you owed and what you actually paid. You also need to remember that your lender may report the “waived” amount as income to the IRS. In that case, you need to do some paperwork to convince the IRS of your insolvency. Else, you may have to pay taxes on that amount.

Never agree to any sales contract from someone who is not approved by your lender. In case you don’t get a professional to help you in selling, you can contact a real estate attorney, who can assess the terms of contract and also see you through with the paperwork.

By Arindam Bhattacharya

What’s the usual turn around time to recover your credit score?
That’s your question…your neighbor’s question and the question of millions around you.
Let me answer honestly…it could take seven long years or even more!!!
You might also do it in a year, if you know the tricks that work.
Before you get those power-packed tips to pick up your credit score, let’s take a quick look on some basics which you must know.

What’s credit score?
Credit score also referred to as FICO score is a number based on how prompt you are in paying back your loans. When you have a high score, it means that you can save more money and the possibility of paying your bills on time is quite high.

What should be your ideal score?
Usually, 620 is the minimum standard score that you must have to secure a loan from a bank. If you have a score above 700, you will get loans at lower rates. When your score crosses 760, you will get loans at the lowest rate. The perfect credit score is 850, whereas the average score is 723.

How do you get your credit report?
According to the Fair and Accurate Credit Transactions Act, you can get a free copy of your credit report every year from any of the accredited agencies.
To track any change in your credit score, it’s a good idea, if you ask for your report every four months, instead of getting all the three at a time.

Credit bureaus
Experian, Equifax and TransUnion are three foremost credit bureaus.

Top tips to repair your credit:
• Never apply for credit cards when you don’t really need it. This is because a new account lowers your credit score by 10 points, on an average.

You can have credit cards, but make sure you have it when you are debt free. In fact, your credit score gets a boost if you borrow and repay in the very first chance. Remember that if you neither have a credit card nor installment loans, the lenders might find you a bit risky as you have no record of loan repayment.

• Make sure that your bills are paid on time. If you do this, your credit scores would be up by around 20 points in a month. In case you don’t, it would feature in an area called “Adverse Accounts”, which would show up all details like the particular months, period of delays etc. Keep in your mind that such details are normally kept for 7 years.

• Another effective way you can utilize to ensure a high credit score is by keeping your credit card balances at the minimum. That can save you at least 70 points.

• Make sure that you obtain your credit reports from each of the major bureaus. This is important because, you cannot repair your credit, if you do not know the contents of your report.

• Remember that you have the right to remove any incorrect information that you may find in your report. So, take steps to clean up your report to erase out all erroneous facts

• Never apply for more credits while you are in the stage of credit repair. If you do this, it will have an adverse effect on your credit score.

• It’ll be a smart move on your part if you give a call to your creditors and have an open talk with them about the facts. Always bear in your mind that the many lenders who have a provision which would lower your monthly installments till you are back on track.

• It’s always good if you go for professional help. There are lots of resources available to help you out. You can even search a credit counseling agency through the National Foundation for Credit Counseling.

• Be tolerant to the situation and keep paying your debts. Remember, repairing your credit is a procedure and that doesn’t happen overnight.

I’m sure with these tips; you can really look forward to get your credit in order within a normal time frame.