Many homeowners complain that, in these days of refinancing fever, customer service is sluggish, at best. Lenders don't return phone calls or reply to emails, leaving consumers in limbo. Here are five things you can do to help grease the wheels before interest rates have another chance to rise.

1. Have your ducks in a row: Documents are the name of the game when it's time to processing a (http://www.refinancediscounts.info-mortgage loan). Call ahead and find out what you need to bring before you sign the application on the dotted line. These may include tax returns, legal papers, or your spouse (to sign paperwork). If you have everything ready when you show up at the bank, things move quickly.

2. Be ready for the race: It's great if you're "on the mark" and "set;" but if you're not ready to "go," you may be eliminated from the race. If fees are due for credit checks, appraisals, etc. before the closing can take place, make sure that you have the money in hand, and pay them promptly. If you aren't ready to lock in a rate, your home mortgage application process may not go forward. By the time you finally decide, more decisive customers may reach the finish line first.

3. Treat it like a doctor's appointment: When you go to the doctor with a specific complaint, the most important thing is to communicate your symptoms. This way, the doctor can prescribe the ideal remedy. Before you make an appointment with a mortgage loan officer, write down your top five reasons for refinancing. This way, you can get the exact mortgage package that's appropriate for you.

4. Narrow the field: Use the Internet to research various (http://www.cheaprefinancerates.info-mortgage options), and narrow the field before you talk to your lender. Do you want an adjustable or fixed rate? Do you want to pay the same amount each month, but shorten the life of the loan? Are you trying to free up some needed cash, or just hoping to lock in a lower rate? Do you want to pay down principal, or just pay interest? Ask yourself these questions ahead of time. By knowing your priorities, it will be easier for your lender to suggest the home loan mortgage refinancing that best fits your specific needs.

5. Don't babysit the mortgage refinancing loan process: Once the loan is in progress, keep in touch with your lender, but don't become a backseat driver who looks over the loan officer's shoulder every mile of the way.

By following these five simple protocols, you'll greatly assist your loan officer. And that translates into helping yourself to a smoother and faster mortgage (http://www.greatrefinance.info-loan refinance).

First off, you will need products to sell. Be very carefull when looking for dropshipping suppliers online there are many unscrupulous people that will take advantage of you. There are a couple of rules to follow when choosing a dropshipper. One, a real dropshipper will never charge you a fee to sell their products. Two, a real dropshipper will want proof that you are a legitamate business. They may ask for any or all of these; Business License, DBA, Federal ID (EIN), and/or Sellers Permit. A very good source of real wholesalers is the WorldWide Brands OneSource Directory. They sell a directory of REAL dropshippers and light bulk wholesalers that they have resarched for you.

Secondly, you will need a venu where you can reach prospective customers. You may want your own website or to sell your products on ebay. For your own website you will need  a domain, a webhosting account, and shopping cart software. EZ Dropship Cart is a great cart for dropshippers. Ebay is also a great way to reach perspective customers, the only problem you may run into is that some manufacturers place no auction restrictions on their products.

Thirdly, you will need a way to accept your customers payments. Paypal is a fast easy way to get started, you pay fees only when you have transactions. While credit card processors offer lower per transaction fees, they require setup fees and monthly fees that are geared tword large voulme sales.

Lastly, you will have to get Legal, this is where most people faulter. They think it sounds hard, complicated, and expensive. And actually it isn't any of those. Just visit your states website to find out what you need to do business. In most cases a DBA can be used in place of a Business License. But either way most states charge around $20.00. Some states, not all, require you to get a Sellers Permit or Resale Certificate. Either way all the resources you need should be available at you states home website, usually under a small business section. While you may not have any employees I highly recommend getting a fedeeral id. It costs $4.99 online and you get it instantly.

Just ten years ago, having a Web presence was perceived as something rather exotic. Web pioneers were trying to find a way to bring the Internet to the masses, and email was still in its infancy as people battled to stay online with their dial-up connections.

What a change a decade can make! Today, there are millions of websites and virtually any person can start up an online business. Obtaining domains and web hosting are just a few clicks away, and business opportunities abound. The primary challenge is finding an online business opportunity that can bring in revenues without you having to actually sell products, stock inventory, or deal with customers.

That's where affiliate programs come in. The truth is, one of the best mechanisms for monetizing a website is through affiliate programs. Even if you've never heard of them, chances are you've seen affiliate programs on hundreds of websites. They are the buttons and banners and links that advertise ecommerce sites both large and small. Every time a person clicks from your website to that of an affiliate website and that person buys something, you get a percentage of the sale. Although the percentage is relatively small, the more traffic you drive to your website, the higher your clickthroughs and the higher your sales.

Although some people are willing to invest an incredible amount of time signing up for individual affiliate programs and building their own websites, there are actually companies that will do the legwork for you. In fact, they will provide you with your own domain or domains and you can reap the rewards of a variety of affiliate programs.

The best online business affiliate programs will set you up with an interesting website with a variety of affiliates. Here are some examples:

Auctions: One portion of your home page can be a portal to eBay auctions, and actually list many of eBay's main categories. It also might have a banner ad that lists auctions that are ending soon, as well as an in-banner search box so visitors can search for items of interest.

Shopping Malls: Another section of your home page might be dedicated to affiliate ads from a big company like amazon.com. As with the auction section, the navigation bar will list a number of amazon.com categories and will take your website visitors to the area in which they're interested.

Nutrition: You might also have several smaller graphics that are affiliates of nutrition companies, and that sell, for example, bodybuilding or weight loss supplements. Similarly, you may have affiliate links for ecommerce sites that book vacations or that sell flowers, electronics, or supplies for pets.

Beyond the affiliate links, your website will also have interesting and useful up-to-the-minute information for your site visitors. For example, you may have a news banner that provides visitors with headline news, world news, and news about technology and entertainment. It may also have stock quotes and weather information.

The money you make from your online business comes from two sources: affiliate links and from referrals to others who join the business opportunity through your website.

Now that the barriers to successful online business opportunities have been broken, there's no reason that you can't launch your own online business and reap the rewards from affiliate programs.

The temptation of the Internet is that there is so much to choose from that you get confused and try too many things at once. I know that because I went into Internet business with only a general  idea. I did’t do my homework before investing any money. I was wrong! What happened? I did not make a wise decision of what to sell.

So, how do you decide what is the best product or service for you to sell? Not every person can do well selling any product they choose. If you want to get off to a good start, you need to apply the following rules.

Rule number 1 – Choose a product or service that you already have some knowledge of. You don’t have to be an expert, but if you know something about your product or service, you can save yourself a lot of trouble. If you are knowledgeable about a product or service, you’re off to a good start because it enables you to make informed decisions about what software you need, methods of payment you should accept, how to design your web site, who is your target market, etc.

Rule number 2 – Don’t choose your product or service because someone else tells you how great it is. Some people will tell you anything to get your money. I’m still waiting on a $49 refund for an ebook I. Do your homework - check out the company. Do they give references? Do they have a guarantee? Do they really sell an actual product or service, or do they sell the idea of selling? Save your money by choosing a product based on your research, not a stranger’s claim.

Rule number 3 – Choose your product because people want or need it, not because you like it. If you sell something that meets a need or solves a problem for people, you are well on your way to making money and realizing your dream! Marketing is a whole lot easier when people want what you have to sell. There are a lot of free and "low cost" opportunities out there, but very few of them meet a need or solve a problem. Always fit a product to a market; do not try to make a market for a product.

Rule number 4 – Do the money math. You should have a markup of 3 to 5 times the actual cost of the product. You’ll have expenses to cover, such as web hosting, Internet access fees, credit card processing fees, phone bills, and more, so you need to know if your sales will earn you enough to pay your bills and make a profit. Also included in the math is figuring your "break even" point. That is how many sales you need to make just to pay your expenses. If your monthly expenses are $300 and you make $30 profit per sale, then you need to make ten sales in a month just to pay your expenses or "break even". Every sale after that is money for you. (Here’s a tip – do not waste your time trying to make money selling a product for $5 or $10. You would have to make 15 to 20 sales a day just to make a living. That means you would have to have around 30,000 visitors a month to your web site!)

If you apply those four rules when choosing your product or service, you will be well on your way to being successful on the Internet.

If you're considering turning your small business into a corporation, there are certain benefits to expect when it comes to taxes, liability, and company operations. Though incorporation isn't the answer for every business, it's good to be familiar with the benefits from the start so you can maximize your company's potential for future growth.

Incorporate Your Business for Possible Tax Advantages

Tax benefits are the main reason many companies decide to incorporate. A corporation enables you to accumulate your wealth and assets with special tax rates meant for corporations. These rates are a bit lower than tax rates for individuals. Also, when you own a small business and do not incorporate the business, you must pay self-employment taxes (including social security tax) along with regular income tax, either quarterly or in one lump sum. Operating as a corporation enables you to set up a payroll structure similar to working for someone else, where these taxes are taken out of your paycheck little by little on a regular basis.

Corporations are able to deduct many operating expenses without restriction. They can also split income with shareholders, a process that often lowers the overall tax bracket for the corporation. The term for this is called "shifting." Corporations are also less susceptible to IRS audits whereas sole proprietors are targeted frequently for audits.

Corporation Benefits for Employees

When you incorporate your business, you may receive tax-free benefits as an employee such as medical insurance, life insurance, a retirement plan, education, work-related travel, and client or employee entertainment. Most states allow for these benefits even if your corporation only has one employee.

Liability Benefits

Liability is another major benefit of forming a corporation. Because a corporation is a legal entity of its own, it is similar to person, which means it can be sued or sue another. The shareholders are not held responsible for the corporation's obligations and debts. In a sole proprietorship or partnership, you could lose everything you have (including your home and personal assets) if a lawsuit is filed against your company.

Corporations Live On

After you've retired or passed on, your corporation will still exist for another to continue the business. This is possible because a corporation doesn't rely on one or two persons to be an operating business. It is a separate legal entity that can be operated by a group of shareholders and board of directors.

Financial Benefits

When you incorporate, you give your company the ability to grow financially. It's much easier to raise money for a corporation, and shareholders can help make things possible that you as an individual cannot accomplish on your own. The business will have more opportunity to grow and become a great success as a corporation.

Forming an LLC

Even when considering all the benefits of incorporating, you might still be hesitant about this decision. Forming an LLC (Limited-Liability Company) is another option. When you form an LLC, you are creating a legal entity for your business just as with a corporation. You are not legally liable for your company's debts, but the tax requirements are different than those of a corporation. Be sure to study the differences between the two before making a decision. LLC formation might be the right avenue for your small business.

If you feel it will benefit your business to incorporate, you can check out great resources on the Web to help the process go smoother. There are many websites that enable you to incorporate online and provide helpful tools so you can start enjoying corporate benefits in no time.

Now days buying and selling property is quite an easy task. But one has to know the ins and outs of the current market otherwise you will be cheated. A person who has a good knowledge in real estate finds it easier to survive in the real estate market than the one who is a novice. In such a scenario a real estate investment company lends the help needed to make your investment a smooth process.

A Real Estate Investment Company is the right choice for due guidance on all aspects of real estate investment where experienced professionals will guide you throughout your path. So the process of buying and selling real estate can be accompanied with services of professionals in the industry which are very helpful.

The Real Estate Investment Company will provide you with various leads on real estate agents, brokers, realtors etc so that you are in right places at the right time and amongst right people. Real estate agents will also provide you a list of do’s and don’t in this field and thus help new players from committing mistakes and incurring losses. There may be many number of real estate investment companies available so try to choose the most competent among them.

Real estate companies also give you latest real estate information, current market value, market trends, and many more. Working with these real estate investment companies you gain knowledge in real estate and come to know about various investment opportunities.

One of the best roads to financial freedom and wealth has and always will be the good, solid, income producing real estate investment. Real estate investment is the safest of all investments. Today, more multi-millionaires are being created in real estate investment than any other sector such as stocks & bonds, gas & oil or precious metals. Real Estate Investment Companies are making the job of investors pretty easy and gaining profits in the process.

When to delete an e-mail — and not

Guidance for Owners/Managers

When it comes to e-mail, I'm a packrat. No, it is not true that I still have the first e-mail I ever received. But I probably have my first e-mail from the year 2000.

In fact, I probably have all my e-mails from the year 2000. So of course, I have everything since then, too.

Why do I have all this stuff? I'm not sure, frankly. Maybe I was concerned that I would be sued over some imaginary transgression and would need an e-trail to prove my innocence. Or maybe I was vaguely concerned about some legal requirement to save this stuff.

I'm not the only one doing this. Some of you have thousands of e-mails, too. And you probably don't know why you're saving them, either. Maybe you're worried about going to jail over some stupid e-mail you can't find.

I'm hardly an expert in what e-mail documents and records to save. So I talked to Donald Skupsky, the president of Information Requirements Clearinghouse. He modestly describes himself as the world's leading expert in this area. I also talked with Charles Fine, a Phoenix attorney.

Here are some things to consider when you wonder whether or not to save e-mail. Obviously, if you still have questions, talk to a lawyer.

Save important records.  But e-mail is not always considered a record. Companies should save records of business transactions. If you sign a contract, save that contract. If you receive the contract as an attachment to an e-mail, and the other party says in the e-mail, "We accept the contract," save the e-mail too. That constitutes a record.

So if you would keep it as a paper document, keep the e-mail. Otherwise, pitch it. That includes e-mails generated during the contract process. This is work-in-progress material, and does not reflect the thinking of an organization. Rather, they are the thoughts of individuals.

When you do keep something, store it formally. Don't leave it in your e-mail program where no one can find it. You might be best off to print it and put it in a folder.

Sometimes, keep more.  There are certain times in which you cannot discard things. For instance, if you are part of a legal process, you can't delete anything that is relevant. I'd err on the side of caution. Better yet, follow your lawyer's advice.

Even if you are not currently in a legal process, there are two other important words: imminent and foreseeable. If you're on notice that you'll be indicted, things are imminent. Now is not a good time to clean out your e-mails. If you make a big boo-boo and somebody gets hurt, a lawsuit is foreseeable. Again, be careful. Talk to your lawyer.

According to Skupsky, only the securities industry is required to keep all of its e-mails. Everybody else is free to pitch them.

But don't keep everything.  Most likely, those e-mails piling up probably won't hurt anything (except your server space). Most of us get into business because we see an unanswered need. We want to help our customers. We've never been sued, and never expect to be.

However, it could very well happen. Let's say that, after exercising superhuman patience, you fire Joe Screwup. You could not have treated Screwup better, but, of course, he doesn't see it that way. So Screwup sues.

You're not worried. But then you get a subpoena, ordering you to submit any e-mail from the past three years that bears on the case. There's nothing in the e-mail that would affect the case, and Screwup knows it. But you'll have to dig up everything you have, and your lawyer will go through it, looking for relevant material. How many hours, at $200 per hour, will it take her to do that? So you swallow hard and give Screwup $15,000 to go away. You may never have thought about this, but you can bet that the plaintiffs' bar has. Worse, maybe they find an e-mail in which you express intemperate remarks.

Given the potential problems, why save e-mail? Sure, this scenario is pretty unlikely. But 99.9% of your old e-mail is junk, anyway. Why take the risk?

Develop a policy on e-mail retention.  Skupsky recommends a 30-day retention policy. After 30 days, your employees (and you) have to decide if an e-mail is a record. If not, it goes. This has the salutary effect of forcing your employees to think about what a record is, and is not. Attorney Chuck Fine thinks that's a good idea. But he goes further, and chucks (no pun intended) his e-mail immediately.

Don't back up your e-mail. This is no different than keeping it on your computer. If you're subpoenaed, you and your lawyer will have to go through it, whether it's on the computer or on tape. Delete the old stuff.

According to Skupsky, old e-mail is rarely useful to the other side. But if it costs lots of money to go through it, the plaintiff doesn't care. Neither does his lawyer. They have nothing to lose. Discovery is a wonderful weapon to force a settlement.

So I'm cleaning out my old e-mails. No, really! It's difficult, though. I've had them so long, they're like old pals. You should clean out yours, too. We have to be strong about this.

There are many ways to make money online today, and thousands of people are earning a substantial income from the comfort of their own homes. How are they making money? With a successful Internet business, of course!

Perhaps you want to earn a part-time income from home or start a full-time Internet business. Maybe you're a mom who wants to stay home while earning a living. Or, maybe you're sick and tired of the "rat race" and want to settle down with your own home business. Whatever the case, you can choose one of the sure-fire methods of making money online below to get started.

1. Offer Services That Other Web Business Owners Will Need

Many people earn money online while offering services that other Web business owners need on a continual basis. These services include Web hosting, domain name registration, web design, and content writing. Every new website must have a Web host, domain name, web designer and content. These services are available everywhere online, but fortunately, there's always room for a few more! Online users are starting new Internet businesses every day. So, the potential for making money online with these services is tremendous.

You can start from scratch with these businesses or find a company that allows you to resell its products and services. For instance, instead of setting up your own servers to become a Web host, you can become a reseller of hosting services and share a part of the profits. With this setup, your primary job is to promote the service. The parent Web host company does the rest.

2. Expand Your Present Business

If you already own a business, you can expand it by using a website. If your company has its own website, your customers can go online to learn more about you, buy your products or ask questions. It's a great way to advertise and build customer trust. Also, you can mention your website address in all your print, television and radio advertising to maximize results.

3. Start a "Niche" Internet Business

Many people start small Internet businesses that reflect who they are or what they enjoy. The word "niche" took on a whole new meaning when the Internet came into existence. A niche business can be anything you want it to be - an online flower shop, online classic car club, online magazine, online clothing store, online shopping mall, online photo stock agency, online candy store, online quilt outlet, or an online shoe store. Choose something you enjoy doing and find a way to build a small Internet business around that theme. And, don't let the word "small" fool you. Owning a small business is a great way to make money on the Internet!

4. Earn Money Online Through Auctions

Don't have time to manage a website? Try online auctions. You can sell just about anything at eBay and other Internet auction sites, but be sure you choose a market that has a strong demand. Some items sell well through auctions, some don't. Also, be sure to choose a product with a high profit margin so you don't lose money each time you list your items.

5. Provide Internet Marketing Services

Online company owners are always looking for effective ways to promote their websites. If you're a savvy Internet marketer, this business offers a tremendous money opportunity for you. You can earn money online while helping others increase their profits. Internet marketing today involves search engine promotion and SEO, Web content and optimization for article pages, pay-per-click campaigns, keyword research, press releases, banner and pop-up advertising, e-zine and mailing lists, and link exchanges. You can specialize in one of these areas or offer marketing techniques for all categories.

These are five proven ways to make money online. Each of these opportunities can provide a steady stream of income if you work diligently to promote your online business and services and always provide excellent customer service. Use these ideas to get started making money today!

It all started with a leaking shower faucet, one of those mixer types with no markings or available seal kits from my local home products store. In the 17 years since we had built our home, I had no occasion to call a plumber until now. I opened the Yellow Pages to find a qualified, local plumbing house. There were quite a variety listed but one caught my eye right away, not because of some fancy ad, but because of their phone number, which was displayed in a larger font next to their relatively small logo. It read 732-DRIP.

I did my due diligence and called three plumbing outfits, seeking pricing on my needed repair. It was once again, back to the folks with the unusual phone number. They were the ones that I would hire.

The plumber arrived early the next morning right on time. He was a bit younger than I had expected, but had everything he needed as he had already been advised by the home office as to the nature of my repair. He was neat, clean and friendly. His van had their now familiar logo and phone number painted on the sides. He also had them embroidered on his new looking coveralls.

He introduced himself with a smile and a handshake as I invited him in. Paul and I chit-chatted for just a minute, as I bragged about my plumbing prowess but relative inability to properly identify the needed parts. He chuckled and asked for the whereabouts of the problem shower faucet. I offered him a cup of coffee which he graciously accepted on his way up the stairs, being so very careful not to bang his toolbox or spill the coffee. I showed him the shower stall and let him go about his business.

Paul came downstairs about 20 minutes later with the faulty, 17 year-old parts in hand. He also handed me the empty parts container so that I would know what to order from him if we had need of additional parts for the two other faucets located in the other bathrooms. He explained exactly what he did and reminded me of their unconditional two-year warranty. I gladly signed his work order and handed him his payment. He shook my hand and handed me a refrigerator magnet as well as several business cards. He asked me to please keep him in mind for other repairs that might come up as well as if I would pass his business card to some of our neighbors. With that, he was on his way.

Nobody likes to pay for home repairs. A few people may tackle the job on their own, but most will call in an expert. Paul is indeed that expert. He is also quite the salesman for his company. He did everything right, including fixing my shower problem. I’ll never need to consult the phone book for a plumber again. He is an impressive young man and his company should be proud of him. In fact, they are!

You see, I called their office after he left to commend this young plumber on his professionalism and skills. I reported to the owner that Paul was on time and well prepared. He was neat and clean, dressed in a company uniform. I commented on his handshake, friendliness, careful nature and warm smile. I told this company owner of his employees’ commanding knowledge of the project at hand as well as his review of the job and reminder of their impressive warranty.  Paul made it easy for me to order additional parts without incurring the cost of another service call and asked for referrals before he left. He was all too aware that the other homes in our neighborhood were approximately the same age.

All in all, quite an impressive salesman… especially for a plumber!