Debt reduction software for reducing bills

Debt reduction has emerged as one of the difficult tasks in this fast moving word. Reducing bill such as mobile bill, credit card bill, phone bill, petrol bill becomes tougher when one is too busy in professional life. Debt reduction task requires much more efforts than task of reducing bill. In myprevious post on reducing mobile bill. I discussed about yourbillbuddy. The post included tips n tricks to reduce phone bill by consulting yourbillbuddy. Consulting such online portal will definitely help in reducing phone bill. But that’s not all we still need ways to reduce our credit card bill and more then that pay then off efficiently. A debt reduction planis required that can provide professional assistance in reducing bill. Thus apart from reducing bill we need tricks to reduce debts and pay the bills quickly.

Work Around for reducing bill

- Reduce Bill using Debt reduction Software

Reduce bill using a Debt reduction Softwareis one of the efficient steps towards saving money. There are few companies who have released Debt reduction computer software that will definitely help in reducing bill. There are online portals that provide complete solution for debt reduction. Debt reduction Software will help any individual to create a debt reduction plan. A scheme to reduce bill can be obtained without obtaining any professional help. Debt reduction Softwarewill require you to enter all credit and debit information for a defined period and in return the software will create a customized repayment plan and budget. Reducing bill using the debt reductions software is definitely easy and will help to do comparative analysis of your budget and plan produced by Debt reduction Software

Working of Debt Reduction Software

Debt Reduction software require detailed debt information such as total debts, number of loans, interest rates, minimum payments, etc. The user needs to prioritize the various debts and need to enter the maximum amount he can repay every month (in total). The software analyzes this information and creates a debt reduction plan that can best suit the user need. The important debt that need to be paid first are considered at higher priority then other.
Debt Reduction Software Advantages

• User Friendly
• Flexible - Debt Reduction plan can be generated as per user income and budget
• A free reminder to all debt payments

Popular Debt Reduction SoftwareTo reduce bill many debt reduction software are available in market. Some of the popular debt reduction tools are

1. Debt Reduction Software - Zilch Works
   Zilch Works is an easy to use debt reduction software that can help user to pay off their debt quickly. According to Zilch Work, the company focus on helping user to build a step by step, get out of debt payment plan that is custom tailored to user's specific financial situation. It is one of the first company to come out with a software product for creating a personalized, step by step, get out of debt payment plan.
   
   Attractive feature of Zilch
   • - A powerful debt reduction software
   • - Easy to use
   • -30 Day trial version of Zilch Software is available and can be downloaded from the Zilch Website
2. Rapid Debt Reducer
   Debt Eraser's Rapid Debt Reduction program is an efficient way to pay off debts. Rapid Debt Reducer works on the basis of a five year elimination plan. This program is also available under the name Smart Money Manager. This debt reduction software helps to identify unnecessary expenses and the most effective order of repaying outstanding debts. This tool a plan that is supposed to be able to clear your debts up to 13 times faster while saving a considerable amount of interest and this all can be done without increasing the total payments every month.

There are many other tools available and many online portals provide the details about such debt reduction plans and software. Will discuss about the other debt reduction tips n tricks in my future post.
Related Post

Reduce Mobile Bill using yourbillbuddy

Reduce mobile bill using Yourbillbuddy

Reducing Mobile bill had been great challenge for the organization and individual. Talking on phone may be need for an individual or may be part of his job. For any organization mobile tariff for its employees can be a great pain if the plans are not optimized according to the user’s need. Reducing mobile billis a important but a tedious job for any organization needs to do to optimize tariff plans of the phone used by employees. There is need of a service that predict prospects of reducing mobile bill. TO reduce mobile billcan be a major step towards cost cutting and this is possible if appropriate tariff plan for the phone is choosed. To reduce mobile bill there are many options available with various cellophone service providers but going through such plans, analyzing them deciding the best one suting need of individual employee is difficult. Reducing mobile bill is not only need of organization but also need of a individual who is roaming or is much on phone. Phone bill definately is concern of most of the people but many times people are too busy to get right plan for their phone and reducing mobile bill is difficult for them. With so much options for various cellophone services available choosing the best tariff plan is difficult

Work Around

- Consulting yourbillbuddy.com for reducing mobile bill

Yourbillbuddy is a free service available specifically for mobile phone users of India for comparing the tariffplans and finding out the best one. Yourbillbuddy has been launched by Trilogy E-Business Software, best known for cutting-edge analytics and configuration solutions having their development centres in Bangalore and Austin. The site helps a user to find out the best mobile plan suited for his need and this will eventually help the user in reducing mobile bill. This service works by requesting users to upload past mobile bills. The system analyzes these mobile bills and using a database of currently offered mobile phone tariff plans by different cellophone service providers it recommends the cheapest plan based on the user's calling pattern. It is running for Karnataka and Delhi but is being planned to be launched nationally and internationally soon.

Role of Yourbillbuddy in reducing mobile bill

According to organization as well as individual point of view Yourbillbuddy help consumers check on various parameters that play a key role in mobile bill. Such as people whom they call up the most, how many long distance calls they make, or how long they are on roaming etc.. The site analyzes various factors that have great influence on the mobile bill and and provides the optium tariff plan. The major aspects that are analyzed include factors such as amount spent calling up various phone numbers, number of long distance calls,number of calls made to a particular phone number, number of local calls, number of roaming calls, and number of SMSes.

Importance of Yourbillbuddy

Cellophone Service providers have flooded consumers with numerous mobile plans. The frequency of change in tariff plan together with availability of new and different plans in market keep consumers confuse. Consumers are noit sure which mobile plan will help to reduce phone bill. To give solution to the consumer which is best for them and appropriate for their budget is the goal of Yourbillbuddy. Usage factor is a very important issue which plays key role in determining the success of any tariff plan. Triology has used this important factor in providing appropriate plan for reducing mobile bill.

Yourbillbuddy features that help in reducing mobile billRole play of Yourbillbuddy for reducing mobile bill and hence cost cutting is worth talking. Some of the important features about the website are:

• Free for the consumers


• Easy to use


• Site constantly monitors the changing tariff plans in the market and periodically updates itself. It provides the plan available with every service provider for the benefit of customers.
• Yourbillbuddy is at backed supported with robust algorithm which are capable of accepting all types of bills, compare them and then provide the best suggestion plan for the user.
• Using Yourbillbuddy for analyzing and reducing mobile bill is not a very big task. Its just a three step process
  a. Login/Signup as member
  b. Upload post-paid mobile bill with bill details
  c. Follow instructions online and get the appropriate bill
  

for complete details just logon to yourbillbuddy at www.yourbillbuddy.com

Office Tips

How to write a better Business letter?

Many times at work place you are stuck while writing a business letter. Your boss may be demanding a formal business letter. Business Letter,apology letter,sales letter , complain letter, resignation letter, thank you letter needs to be professional and impressive. Some times you may feel you need a letter writing expert for writing a strategic business letter. Such letter writing needs effective business letter cover plan. Business letter headings and closings needs to be appropriate. In short there are some business letter etiquette that needs to followed. You need to have a tool that helps you in writing a professional business letter without wasting much of your time and at low cost.

Work Around


- Use a Business Letter writing software

Business Letter Professional is a letter writing tool available for writing impressive, attractive letters.

Features
Business Letter Professional includes about 1000 typical business letter templates. It has an embedded text editor that allows you to edit, copy, paste, search, preview and save your letters. It also enables you to set an external e-mail program to send your finished letters directly.


Some basic tasks which can be accompolished using Business Letter professional are:

1. In accounting & Finance for raising capital, applying for grants, improving accounting methods etc
2. Marketing & Sales:Helps in planning market campaign, sending a press release and more.
3. Thanks & Greetings: Provides help for congratulating on success, expressing satisfaction with certain products or service, acceptance of suggestion or giving greeting on a special day.
4. Complain & Apology: complain about goods and bad service, eliminate misunderstandings, stop illegal use of properties, and explain mistakes on customer service.
5. Cooperate & Legal: protect your Intellectual Property, protect company secrets, better negotiate your office lease, and use By-laws, shareholders Agreement & Articles of Incorporation to setup your business.
6. Marketing & Sales: increase your sales with better communication, improve response time to customer inquiries, plan a marketing campaign, send a press release, and sign distribution/partnership deals.
7. Personnel & Employees: hire/fire employees, contractors and consultants, write detailed company policies and procedures, prepare professional job descriptions, conduct personnel evaluations, manage your workforce, and sign confidentiality agreements.
8. Proposal & Request: request and sign agreements reselling products, and expand your market reach with co-branding opportunities and affiliate marketing.

Source:getfreesofts

An Introduction to “Office Tips n Tricks”

Office is the place where we spend most productive part of the day. There are so many goals to be taken care of and targets to be achieved. Many times it happens that there are many things which are small but significant and take much time. This blog is an attempt to list various office trips n tricks which when used can make work place efficient. It contains discussion about various tools/work arounds that an organisation should use to expedite their work. Some of the tools discussed include Software for sending bulk e-mails , Anti-spamming software,using desktop search program,usingmicrosoft outlook for keeping reminder of pending tasks or for copying data from Web, Data security software such as Anti-phishing software. Tips and tricks include tips about organizing a manager's work place,tips and tricks to expedite search on Web,tips and tricks for using language translation tool, Microsoft office tips,Office tips for Letter writingand many more.

The idea is to create awareness of tools that are available so that one can deploy them and make their work space more efficient. So here is my first post :)

Join Anti-Phishing Work Group

Phishing is one of the popular crime I discussed in some previous posts. TO fight phishing you need to know various methods that can lead to phishing. Phishing can be done via Social Engineering or via technical subterfuge.

Social-engineering schemes use 'spoofed' e-mails to lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as credit card numbers, account usernames, passwords and social security numbers. Hijacking brand names of banks, e-retailers and credit card companies, phishers often convince recipients to respond.

Technical subterfuge schemes plant crimeware onto PCs to steal credentials directly, often using Trojan keylogger spyware. Pharming crimeware misdirects users to fraudulent sites or proxy servers, typically through DNS hijacking or poisoning.

A new kind of phishing scam has been discovered where phisher uses voice recordings to pilfer money from PayPal accounts. This is one of the latest social engineering attack where identity thieves have lured users into dialing a phone number and giving up credit card information. Phishing e-mails are sent to the peopple which do not ask for personal information but urges the recipient to call a phone number and verify account details.These phone numbers are em

Work Around

- Join Anti-Phishing Group



To fight such notorious crime we need to be part of anti-phishing process. The Anti-Phishing Working Group (APWG) is the global pan-industrial and law enforcement association focused on eliminating the fraud and identity theft that result from phishing, pharming and email spoofing of all types. You can report phishing emails, pharming sites and crimeware to the Anti-Phishing Working Group and help stop this insidious threat to e-commerce. Some of the features of the group are:

1: Avaialbility of Phishing and Crimeware map.

Phishing and Crimeware map displays the most recent data collected by Websense Security Labs (WS Labs) and provides a historical look into where Phishing and Crimeware related websites are hosted on the Internet. Upon discovery, each site is looked up via its IP Address to track the country of origin through the appropriate IP registrars and plotted on the map

2: Report Phishing Crime

Anti-phishing work group is in process of building a repository of phishing scam emails and websites to help people identify and avoid being scammed in the future.

Source: http://www.antiphishing.org

Related Post:

• Using Anti-Phishing Software


• Using Microsft outlook Anti-Phishing Features



• Fighting Spyware


• Fighting against e-mail spam
  

Thank God I use Gmail at my workplace

In office when you get hundreds of mails and you need to read,mark and categorize them as per official need. You may need to customize mail for the client and need to store a lot of e-mail IDs. Things may get messed up if your e-mail service is not . In most office there is an official e-mail software used in case you don't have one what you need to use.

Work Around

- Use Gmai Account for managing your e-mails.

Some of the popular features of Gmail are listed below:

Labeling E-Mails


Gmail provides facility to label e-mails. These methods provide user facility for categorizing e-mails by labeling them. An e-mail can be labeled any number of times.
User can display e-mails with a particular label and can also use it as a criterion for searching e-mails.

Managing Contacts

As you send e-mail via Gmail contact list of gmail gets updated. It also has auto-completion feature that pop ups e-mail ID, primary name as user writes address in the To,Cc,Bcc column.

Auto Save feature

Gmail is equipped with auto save feature that saves the current e-mail as draft in case the window gets close accidentally due to browser error or any other issue.

G-Mail Notifier

G-Mail is an Official Tool provided by Google for getting new mail notifications. The notification icon is installed in the task bar in PC and on right hand side of Menu bar in MAC OS and it signals whenever there is new mail in the Inbox.

G-Mail Chat feature

With G-Mail chat you can chat with other people who have g-mail account. It can also be synchronized with Google talk network and thus enables interaction with google talk clients.

Key board short cuts

Gmail provides keyboard shortcuts that can be used while browsing g-mail. These short cuts are enabled by default and need to be enabled by the user

Support to Multiple languages

Gmail provides support to about 40 languages. All web pages and e-mails are encoded in the Unicode standard (UTF-8). This enables sending and receiving e-mails containing Cyrillic, Asian and Latin special characters.

G-Mail’s RSS feed feature

G-Mail has RSS feed feature that enables feed as single line on top of the page. User can scroll the feed to read through the content.

Anti-Virus Scanning
Gmail introduced a feature which automatically scans all incoming and outgoing e-mail attachments for viruses. If a virus is found on an attachment the reader is trying to open, Gmail will try to remove the virus and open the newly cleaned attachment.

Provides access to Google Docs & Spreadsheets

Google Docs & Spreadsheets can be used to view word processor documents and spreadsheets. It is a free web-based word processing and spreadsheet program. It accepts popular file formats such as DOC, XLS, ODF, ODS, RTF, CSV, etc. You can share a document with another user and invite the user by email address. Invited visitors can sign and access the document for viewing or editing. Document can also be shared among multiple people. It has provision of a screen chat window that provide updated information which user changed which document and when.

Having problem in language Translation at Work Place?

Often at your workplace you need to do instant language translations. This task may become tedious if you do not have a right translation tool.

Work Around

-Use Language Translation tool simple!!!!!!!

Language Translator tool such as Google language Tools are user friendly and can be used to obtain instant translations from within your applications. Language translator tools can help you to translate e-mail/chat/document /web page from one language to other instantly. Such tool is ideal for businesses who need complete language translation solutions for their software, websites or day to day transactions.
Some other Language translation tools available online are:

Babel Fish Translation
Free Language Translation tool
World lingo Translation tool