.: Form W-9
Form W-9 is the IRS form used by a company to request your taxpayer identification number. You may get a blank Form W-9 to fill out if you or your company are hired to provide services to another company. Most often, Form W-9 is sent to independent contractors, consultants, and other self-employed workers. Filling out a W-9 is pretty straight forward. Just provide your name and Social Security Number, or the name and Employer Identification Number of your business. By submitting a W-9, you are certifying that the tax id number you are providing is correct and accurate and that you are not subject to backup withholding.

You can obtain a blank Form W-9 - Clique Here for the PDF from the IRS) to give to independent contractors you hire or to type and print out if you need to give one to your employer.
.: Cell Phone Contract Alert/Help
Cell phones are no longer a luxury, but are considered a necessity in the new business 2.0 era. It not only can make calls, but send and receive e-mail, get news and browse the internet, play music and several other features depending of your model. Nevertheless, with the advancing technology, marketing became much tougher, and cell phone operators devised numerous clauses in their contracts to ensure that their competitors do not erode their customer base. Thus the cell phone contract was born - usually 1 or 2 years, during which a consumer is legally bound to remain with the wireless service provider. Mostly provider contracts have penalty for those clients breaking the contract and it range from $150 to $500. If you are not satisfied with the service, maybe you can come out of the contract without paying a termination fee if someone else is willing to go through the contract for the remaining period. Finding someone willing to undertake this may be difficult, but in the last years a few websites came up with help you trying find someone to transfer your contract and release you of the responsibilities. Once you find the “Contract/Phone Buyer”, you must contact your service provider to complete the transfer. Your best bet: A) Avoid the 2 years contract and try shopping for the 1 year contract. B) Before sing the contract, read and understand the terms of the cell phone contract. C) If can decide, try the Pre-Paid option. It is a good for those that not wish to have a commitment of 1 or 2 year and attractive for someone with credit problem as bad credit history is unimportant.

A good alternative: Skype for Business
.: Unscrupulous Brokers
Avoid be stolen from your broker and take it serious following this advice here. If you get a letter from your broker asking you to sing a form approving your risk level, don’t do it! Take note that by signing it, you could be giving up your right to take action against the broker at a later point. Don’t signed it unless it accurately reflects your risk level. Keep all buy and sales confirmations. Monitor account activity, and after you agree to make a trade, ask your broker to call you back with the sell price immediately upon execution.

There is a Free Trading Community that offers commission-free trades through Zecco - a division of Equinox Securities, Inc. They offer free stock trades - up to 10 commission- free online trades per day and 40 per month, with a minimum account opening requirement of only $2,500. They offers to retail clients the lowest commission structure in the industry. The greatest part of it is that none of their commissions are introductory so you can enjoy free trades month after month. It’s good to mention that Zecco offer their clients state of the art proprietary trading technology that allows them to access the market data they need to make lightening fast trades. As a fully disclosed introducing broker/dealer, the company has partnered with one of the largest correspondent clearing firms in the United States to process transactions and handle client funds, which provides for efficiencies in areas such as order execution, data flow, and security.
.: Client Identity Protection Program
If you are in processing of buying or selling a home, take notes and open the eyes against identity thieves. Ask all party involved about the program. Many escrow companies, loan processors and law firms, has this programs, which use pass passwords and limited access to help protect financial and personal protection. Remember to never give your Social Security number by phone, fax or email. If possible, deliver your credit reports in person.

Stop identity thieves before they can get started by contacting the three major credit bureaus:

(800) 685-1111
P.O. Box 105069
Atlanta, GA 30348
Trans Union
(800) 888-4213
P.O. Box 2000
Chester, PA 19022
(888) 397-3742
P.O. Box 9600
Allen, TX 75013

If you would like to know more about an affordable and effective credit report repair services with programs designed to appeal to wide variety of consumers with exceptional customer service, we suggest Ovation Law. You get it with Not Startup Cost, No Retainer Fee, Full Refund Policy and Cancellation at Anytime! Ovation Law Essentials Program
.: Save on Insurance
If you will drive less because the high gas prices, a good idea is to ask your auto insurer whether your rates can be cut. Having students away at college may lower the cost, too – as long as they don’t take the car.
Most Insurance companies will lower your by 5%premium when you drive less than 8,500 miles a year. The savings should be able from 5% to 10% - if you move from an urban area to a rural location, reaching the age 50 or insuring your auto and your home with the same company. Let your insurance company knows about any change involving your vehicle as it can affects your premium as you read above, but also your ability to collect money from a claim. We recommend a great online source for real saving – InsureMe. Shop and Compare multiple Car Insurance quotes for free.
.: Overnight Shipping
When buying on-line or from a printing catalog, check the different overnight shipping. The customer service policy may disclose a processing time of several days before the package is sent – which means that you will get your orders in 3 days, not overnight! If you don’t select overnight shipping, you will receive your order in five to seven business days.
.: Investment Club
If you are interested in finding or starting an investment club, the National Association of Investors Corporation (677/275-6242) offers information on how to start your own investment club or find an established group

If you have less than US$50,000 and want to invest, stick to low-cost index funds. Those funds allow your portfolio to grow with the market without paying broker commissions to buy individual stocks. Buy a mutual fund that follows either the Wilshire 5000 index, which includes virtually all US stocks, or the S&P 500 Index, which track growth and value stocks. If you have more than the mentioned above retain a professional investment adviser to manage your money. Most will charge about 1% of total assets per year. If you would like to invest in the stock trading solution software, TradingSolutions has the ability to learn patterns from historical data, allowing you to create highly accurate trading systems that inform you when to buy and sell. Download TradingSolutions It effectively performs market timing for all types of financial markets, including stocks, futures and currencies (FOREX). And with an Orange Savings Account from ING DIRECT, account holders earn a variable 4.50% Annual Percentage Yield on savings every day, with a level of flexibility, freedom, and security they simply can't find at other banks. Some of the benefits are: No minimum deposit, No hidden fees or service charges, and 24-hour access to your account.
.: Virtual Property Info Research
Prospective home buyers and sellers can learn important details about a property before looking the real home. At Zillow.com you can check an aerial photo, map and estimated market value for most single and multifamily homes. You also can see lists of what homes recently sold for in the area.

To find values in today’s overvalued real estate market, ask for leads – tell your friends about your planning and leave your contact info with store owners, insurance agents and members of the clergy among others with good networking. Tell them that you will buy a residential real estate and offer $150 for a lead on any properties you can purchase. Also check online listings like a Pro through the National Real Estate Investors Association (www.nationalreia.com), Realtor website (www.realtor.com ) or our favorite, the Profit from Foreclosure, where you get for full 7 days - free searching, free real estate news, free newsletter and free tips. Try it out with no strings, no contracts, no hassles and cancellation at any time. With over 1.2 million property listings updated daily, Foreclosure.com represents the largest and most up-to-date bargain home buying opportunity online. Search FORECLOSURES FREE For 7-Days!
Free access for 7-days, try it out! No strings, no contracts, no hassles and you can cancel at any time. Hurry! Foreclosures sell fast. Visit ForeclosureFreeSearch.com. With virtually every Bank, Government and Institutional Seller you will find your next investment waiting for you.
.: U.S Savings Bonds
The Bureau of the Public Debt has a calculator that determines what your US savings bonds are worth Features include current interest rate, final maturity date and year-to-date interested earned. Visit treasurydirect.gov and click on individual/personal, then tools.

Avoid government agency bonds that feature rising interest rates. “Set Up” bonds have coupon rates that increase at pre-determined dates. Ask your broker for comparative yields before buying step-up bonds, or check financial newspapers for yields. Also, a Municipal Bond Liquidity study, coauthored by the Securities and Exchange Commission’s chief economist, shows that individuals buying and selling bonds paid double the trading costs of institutional bond traders, so no-load bond funds whose expense ratios don’t exceed an average of 0.5%.

The Bureau of the Public Debt has a calculator that determines what your US bonds are worth. Features include current interest rate, final maturity date and year-to-date interest earned. Visit www.treasurydirect.gov and click on “individual/Personal” than “Tools”
.: Cheap College Textbooks
Buying Black & White, low quality paperback editions of current textbooks can save as much as $1.000 per year. Take note; It’s perfectly legal for students to buy theses books for their own use, but copyright infringement laws make it illegal for business and individuals to import and resell these books. To get more info we recommend search for “Special Indian Editions” on search engines like Yahoo.com or Google.com .

If you have the opportunity to visit India, the country also has some of the world’s best second hand bookshops with stock range from gems left behind by the British colonialists to beautiful only-in-India hand printed collections. In the Darya Ganj district of central Delhi, about a mile of second hand booksellers convene for a massive sale every Sunday. College Street in Kollata (formally Calcutta) is the Charing Cross Road of Asia, with cheek-by-jowl publishing houses, bookshops and cafés where visitors might meet espresso-drinking Maoists – they are friendlier than they sound.
.: Save with VOIP Technology
Thanks to Voice over IP technology and the widespread availability of broadband, since a while is possible to talk free of charge with anyone around the world. Getting in touch with someone on the other side of the planet is becoming just as easy as talking to your next-door neighbor these days. First it was email, then IRC chat-rooms, then instant messaging, and now the world is being sucked in by VOIP (Voice-Over-I).Thanks in part to the popularity of Skype using your computer to talk with people around the globe cheaper or free is a pretty good reality. Skype is quick and easy to install and the last version 3.0 offers several features, including SkypeOut, calling from Skype to regular and mobile phones worldwide, free conference calling and secure file transferring. Calls have better sound quality than your regular phone and are highly secure with end-to-end encryption. Skype has made the technology accessible to all through it’s simple and fun-to-use chat-style interface. The program is gaining in popularity, meaning the community of users you can chat to for free is expanding. The last update contains some decent additions to the previous version, most notably its webcam facilities. This means you can now watch your buddies as you chat to them and let them see you if you want. You can use the program to chat with other Skype users anywhere in the world for free either via telephone or the built-in chat feature. However you still need to pay for credits to make calls to landlines and mobiles with Skype - through the SkypeOut function. There’s plenty you can do other than just having a two-way conversation with a friend, including inviting other users into a conference, setting up chat rooms, exchanging files and viewing the history of your contacts. You can even set up customized voicemail to record messages while you’re away from home or base. Skype for Business
.: Winner Attitude
Smart shoppers usually not have problem with bargaining because they know it will not turn you into a social outcast. Shop during off hours as you will have more luck if business is slow. Negotiate with cash in stores that take credit cards, requesting a discount for paying in cash. Buy in quantity. Shopping in the end of the season! Remember that bargaining is a business transaction and you are trying to agree on a fair price. Think with this attitude… and go save. An excellent business tool that we recommend, consider a bargain (what you pay and what you got), and every business owner should consider is the WebEx services. Free trial

If you have a product or service that should have interest for your merchant or the person who you expect to make business and the deal is a bit difficult to close, try in the way of barter – the cashless exchange of goods and services that enjoy new popularity around the planet. This doing business alternative get you staff you want without paying a penny or serves as a option to closing a deal and help each side. For example, if you have a magazine and need dental care, you can offer your dentist a advertise space basis in a barter agreement.
.: Smart Moves for Local Business
Getting people to search for local businesses online is one thing, but getting local businesses online to greet them is quite another. While Google, Yahoo, MSN and others are making it easier for consumers to connect with local merchants through local directory, mapping, and customer review programs, the newly-launched site MerchantCircle aims to help small companies establish a Web presence and navigate the often intimidating worlds of online search and contextual advertising. The company connects you with customers in your area - and interested in your business. Compared with traditional advertising like the Yellow Pages, the new company gives you key advantages for FREE: Easily track where customers are coming from. Update business info and limited-time offers anytime. The company in the future plans to help clients upload video ads to free distribution sites such as YouTube and also working with an audio ad-supported phone directory assistance in the hopes of running for clients audio ads in 1-800-Free411 calls. The MerchantCircle Network is a great way for local businesses to find new customers. Think MySpace but for local business.
.: Alternative for Doing Business
When you do business you want be paid. But sometimes a business deal is lost because the person you are dealing with offer you doing it by barter. In other word, not cash involved, but service or product will be trading (you can pay a merchant or your costumer can pay you with a barter agreement). One can barter services – for example, writing, translation or photography) as well as goods. This type of deal can be a greater resource for a small homebase or sideline business. To learn more about barter or to find a barter group located near you, your best choice is visiting the National Association of Trade Exchange – www.nate.org or calling the association at (440)205-5378.

Today, millions of people worldwide have established highly-successful careers as freelance professionals. A good alternative is to become a freelancer writer, designer, programmer and many other home-based consultants. This type of alternative offers the perfect combination of freedom, creativity, flexibility and profitability. You just need a skill that you can offer to potential clients, and the willingness to learn how to run a home-based business. Of course, the biggest challenge for new freelancers is finding enough work to justify giving up a day job. How can you be sure that you will keep yourself busy with lucrative work? This used to be a concern, but thanks to the advent of the Internet, things are now much easier. Now there are a number of job sites dedicated to helping freelancers find work and stay busy. Change your life for $2.95. Get instant access to a lucrative freelance career. Click here to start
.: Extra Cash with Froogle & Craiglist
Mostly of us knows that we can save a lot of money by buying second-hand items online, but many of us not want to go through the hassle of biding at auction sites. And mostly of us knows the famous and leading search engine Google, but maybe you don’t know that Google offers a shopping site called Froogle (www.froogle.com). Of course, the Google Son does have paid ads, but they are posted only on the right side of the search results page. The best, any item listings are free and submitted by people like you. If you have to sell a coffee table, an old laptop or even a car, forget your paid newspaper neighborhood classified. Instead use the free service of Craiglist (www.craiglist.org) .This site became very popular and has solved the problem of connecting buyers with sellers in their own region or area.
.: Cartridges Source Secret
Anyone with a computer in home or office knows how much money per year we spend in cartridges. Since last year we have discovered a great source for saving in this particular regular business expenses. Do you enjoy discounts? Try thinking of someone who likes paying more than they have to. They cost anywhere from $5 to $50. And if you're spending over $30, I guarantee you're spending way too much. What's a person to do? We can't go spending all this money on things like ink when we've got bills to pay! Alright, now that we're seeing eye to eye, I'd like to let you in on some info that has helped us out for year. OOinkjets is an online printer supply and they're probably selling it up to seventy-five percent off what you'd pay for at retail. You won't be disappointed with their hot offers, free shipping and the new introduction of their 1-Year Guarantee, so you have nothing to lose. For Inkjet cartridges for Lexmark, HP, Epson, Compaq, Canon and other printers... Up to 75% OFF!
.: Smart Fax Services
RapidFax.com - Send Faxes through your email
Virtual fax services deliver incoming faxes to their recipients via email and users can retrieve them from any computer with internet access. With the new services of RapidFAX you can send and receive faxes through your email, at their website, or both. Because incoming faxes arrive as e-mail attachments, users can retrieve them from any computer with internet access. The new company services combines the utility of fax with high-speed Internet connected computing to meet the needs of the small office and home office. They are powered by EasyLink Services, an early pioneer of Internet-based faxing and a company that today serves over 60 of the Fortune 100 with advanced messaging and e-commerce services in key global markets. 30 Day Trial Fax-to-Email
.: Video Shopping Alternative
There is a company offering for free a smart tool combining the new power of web video shopping and social networking. Merchants can upload video clips of the products or services they are selling. Thousands of buyers can view the video ads and contact the merchant directly to negotiate the price before making the transaction. Both services are FREE for the buyer and seller! Post unlimited products for sale.
.: Free Toolbar Builder
A new High Tech Silicon Valley company has established just one year ago their invented, and patented the first ever free online toolbar building platform. With web search powered by Google, their unique technology is the next generation of dynamic toolbars. Conduit puts the best of your website, as a community toolbar, on your users' browser. Since they started, more than 130,000 website publishers have built community toolbars via a free online platform. Collectively, they’ve attracted over 6 million users to download the toolbars, with a new toolbar user every 4 seconds. Among the benefits, it keep your site in front of customers as long as they're online; retain customers by offering one-click access to what they want - offers, content and alerts; drive higher spend from current customers with more targeted offers and more relevant services through the company community toolbar; and finally gain deeper customer insights and drive higher returns from current programs.
toolbar powered by Conduit

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