Ing Employee Data Change Request: Fill & Download for Free

By using the website and/or registering yourself at Compare Insurance Quotes Online: Life you authorize us, our affiliates & our associate partners to contact you via email or phone call or sms and offer you their services for the product you have opted for, imparting product knowledge, offer promotional offers running on website & offers offered by the associated third parties, for which reasons, as well as web aggregation, personally identifiable information may be collected as detailed below. And Irrespective of the fact if also you have registered yourself under DND or DNC or NCPR service, you still authorize us to give you a call from the PolicyBazaar & associate partners for the above mentioned purposes till 45 days of your registration with us. This Privacy Policy covers PolicyBazaar\'s treatment of personally identifiable information that PolicyBazaar collects when you are on the PolicyBazaar site, and when you use PolicyBazaar\'s services. This policy also covers PolicyBazaar\'s treatment of any personally identifiable information that PolicyBazaar\'s business partners share with PolicyBazaar. This policy does not apply to the practices of companies that PolicyBazaar does not own or control or to people that PolicyBazaar does not employ or manage. PolicyBazaar collects personally identifiable information when you register for a PolicyBazaar account, when you use certain PolicyBazaar products or services, when you visit PolicyBazaar pages, and when you enter promotions. PolicyBazaar may also receive personally identifiable information from our business partners.When you register with PolicyBazaar, we ask for your first name, last name, state, city, email, birth date, and gender. Once you register with PolicyBazaar and sign in to our services, you are not anonymous to us. Also during registration, you may be requested to register your mobile phone and email id, pager, or other device to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send sms/email alerts to you for your login details and any other service requirements or some advertising messages/emails from us.Information Sharing and DisclosurePolicyBazaar will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, PolicyBazaar may share, sell and/or transfer your personally identifiable information to an affiliate and/or associate partner/business partner. PolicyBazaar may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of PolicyBazaar\'s business or upon the merger, reorganization or consolidation of PolicyBazaar with another entity on a basis that PolicyBazaar is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with PolicyBazaar. The term "control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association or any other entity."If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any PII that we have collected about you, please e-mail your request to [email protected]."Third Party AdvertisingWe may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (excluding your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you."We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user.""If you would like more information about this practice and to know your choices about not having this anonymous information used by our third party service provider, please click http://www.networkadvertising.org/managing/opt_out.asp. You can also read more about online marketing practices and the technologies that support them by visiting the Network Advertising Initiative,s website by clicking http://www.networkadvertising.org/."LegalWe strictly follow the norms of non disclosure and any agreement thereof. It is our endeavor to ensure that the websites linked to us are safe and secure. However we have no control over 3rd party websites. Given our legal responsibilities to legal authorities and regulators, there may be situations when we need to share your information with legal authorities or processes or need to protect our right or comply by terms and conditions.Other sitesThere might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.Privacy Policy ChangesPolicyBazaar may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information we will notify you by posting the changes here on these Privacy Policy pages.Associate PartnersLife Insurance - AEGON Religare Life Insurance Company Limited., Aviva Life Insurance Company India Limited, Bajaj Allianz Life Insurance Company Limited, Bharti AXA Life Insurance Company Ltd., Birla Sun Life Insurance Co. Ltd , Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd., DLF Pramerica Life Insurance Co. Ltd., Future Generali India Life Insurance Company Limited, HDFC Standard Life Insurance Co. Ltd , ICICI Prudential Life Insurance Co. Ltd , IDBI Fortis Life Insurance Company Ltd., IndiaFirst Life Insurance Company Limited, ING Vysya Life Insurance Company Ltd., Kotak Mahindra Old Mutual Life Insurance Limited, Life Insurance Corporation of India, Max New York Life Insurance Co. Ltd, Met Life India Insurance Company Ltd., Reliance Life Insurance Company Limited., Sahara India Life Insurance Co, Ltd., SBI Life Insurance Co. Ltd, Shriram Life Insurance Co, Ltd., Star Union Dai-ichi Life Insurance Co. Ltd., Tata AIG Life Insurance Company Limited.General Insurance - Apollo Munich Health Insurance Company Limited, Bajaj Allianz General Insurance Co. Ltd., Bharti AXA General Insurance Company Limited, Cholamandalam MS General Insurance Co. Ltd., Future Generali India Insurance Company Limited, HDFC ERGO General Insurance Co. Ltd., ICICI Lombard General Insurance Co. Ltd., IFFCO Tokio General Insurance Co. Ltd., L&T General Insurance Company Limited, Max Bupa Health Insurance Company Ltd., National Insurance Co. Ltd., Raheja QBE General Insurance Company Limited, Reliance General Insurance Co. Ltd., Royal Sundaram Alliance Insurance Co. Ltd., SBI General Insurance Company Limited, Shriram General Insurance Company Limited., Star Health and Allied Insurance Company Limited, Tata AIG General Insurance Co. Ltd., The New India Assurance Co. Ltd., The Oriental Insurance Co. Ltd., United India Insurance Co. Ltd., Universal Sompo General Insurance Co. Ltd.DisclaimerVisitors to this website/portal and every third party is hereby informed that the owners of this website/portal, viz Policybazaar Insurance Web Aggregator Private Limited ., are not the agents or intermediaries of the insurers, whose products are dealt with in this website/portal. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective insurers. Though endeavour is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers or its agents or intermediaries, it is made abundantly clear that Policybazaar Insurance Web Aggregator Private Limited ., its directors, shareholders, officers and employees and Compare Insurance Quotes Online: Life are in no way responsible to or liable for any one for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.Not-withstanding anything mentioned before, we reserve the right to contact you via any mechanisms, not limited to email, sms, or phone calls, to solicit feedback of your experience and to provide any additional services that you would be eligible for, either as a customer or as a visitor. We are not liable for any damages occurring to you as part of feedback solicitation and additional service provision."We use cookies and other technologies such as pixel tags and clear gifs to store certain types of information each time you visit any page on our website. Cookies enable this website to recognize the information you have consented to give to this website and help us determine what portions of this website are most appropriate for your professional needs. We may also use cookies to serve advertising banners to you. These banners may be served by us or by a third party on our behalf. These cookies will not contain any personal information.""Whether you want your web browser to accept cookies or not is up to you. If you haven\'t changed your computer\'s settings, most likely your browser already accepts cookies. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies of disable them entirely. But this may significantly impact your experience with our website and may make parts of our website non functional or inaccessible. We recommend that you leave them turned on."

Wow…Sometimes I stop at a question because I just know that there has to be something there even though there doesn’t initially appear to be any there… there….Alarming facts:1: … you want to report the number and not the person?2: However… it is the person who you believe is harassing you and not the number3: If I call you are you going to answer or simply declare me guilty of harassment?Now it is essential to toss out two things here: I am not a lawyer and nothing here is legal advice because if you need that you really need a lawyer and not responses in an open environment etc etc and a blah blah etc although the disclaimer is in fact important.Secondly it is possible; given that Quora will allow posts from creative minds as young as 13 AND we are not certain here that essential information is missing in this question so —- stalking and embarrassment is not something to take lightly so if anyone is being called and believes that there is a reason to be fearful then dial 911 or someone who is tough enough to slap some silly stalker into the dirt under the bush he crawled out of (as my daddy used to say).But I gotta say here that in order for that very real and serious situation to be involved here some missing aspect would still be well… missed I suppose.Did you maybe answer this number when it called your phone and realized that you did not recognize the voice on the other end and now you believe some male has fixated upon your sultry female voice to such an extent that he cannot resist the temptation to dial you again and again and then try to pee I suppose and then back to again and again - simply because; although you never answer his heart can still dream that you will some day - and of course much like whistling when a pretty girl walks by or honking your horn again and again most dudes know that ya gotta irritate a chick first just to force her to notice you.I can imagine one of my female cousins back in the 80s grabbing that phone on a random attempt at (harassment) and saying, “Thank you GOD for finally sending me a man that knows not to give up: I don’t care what you look like or where you are I demand that you ride in here on a stallion and sweep me off my feet so you can take me away! Call me the lottery because you just WON BABY!”But the 80s were risk taking years unlike the 20s which…. well for my generation referred to the 1920s and they were pretty risky too. Sigh… the concept of managing risk is much different in the fear years society seems to desire these days.The only way that someone could ‘harass’ you by repeatedly dialing your phone number is if the number that comes up is known to be connected to that person and you have a restraining order stating that person is a physical threat to you and so that person has been legally warned not to call you.Anyone… and in this specific case I am guessing any “thing” - can dial any active phone number unless that number has ‘opted out’ of receiving a random call.It is up to the owner of that phone number — and yes, phone numbers are leased technically, by the customer; from a service provider, who gains ownership by proxy due to contractual agreements with that service provider during the lifespan and under conditional expectations of the agreed upon contractual obligations formed by said contract… gotta breath now - that was a long sentence and I didn’t take a deep enough breath before I started it!Yes I did work as advanced tech support for 11 years for Veri… um… for a major cellular service provider - how did you guess?And that is why I think I am qualified to take at least a somewhat educated guess at what is actually happening to you and why you are not being stalked and can relax a bit:So we will start with an agreed upon fact and if it is true then the following is very likely to also be true - you have never answered when this number called and spoken to a person right?Good!Then either block the phone from ringing when it is called by this number and forget about it OR understand that the activity is going to stop within a predictable time-span so just place that number in your contacts and give it a really funny ringtone because you are gonna hear it as I predict you are aware.So for all of those with a confused look right now: let me explain.There are thousands of businesses in America.I can hear you asking excitedly because you are the type who wants to know, “Yes and.. tell me more!”Well… among those thousands of companies there are just as many software systems used to track things such as payroll and timestamps and budgetary spreadsheets and other ungodly boring crap that no one in their right mind would ever want to understand or even know about EXCEPT for when it comes time to make sure you check was deposited before a night on the town (or in the basement now that COVID crazy is the new spring, summer AND fall color) but when you check you suddenly scream with rage because the stupid company you work for screwed up your check.. yea… instead of $1000.00 they deposited $0.001 and ya gotta go WTF? Am I right?Damn right I am right but here is the thing: don’t bother blaming your company and trying to call some dude in payroll or God forbid, Human Resource Conciliation and Arbitration because you just know that kid is going to ask something like… “ah… did you perform actual work for the company in excess of one tenth of a tenth of a cent during the last pay period?”Instead… if you must blame anything other than some religious front-man or woman - I don’t know what God you bitch too after all: instead of doing that pick up a cell phone and dial #777 and listen until you hear a strange sound which is sort of between a screech and a hummingbird getting caught in an electric fence I would say, and then as soon as you hear that sound scream “Go to Hell MODEM!” and hang up.Only those readers who are over 50 have any clue what I am talking about but those who are over 50 should give themselves a gold star sticker because you just made the leap required to figure out what is happening to this poor young thing didn’t you?Of course you did… and good for you!For the rest of you: let me introduce you to a concept called… redundancy and in order to truly grasp that we have to travel back in time when chicks decided that if the geeks are going to make all of the money in the future then the bad boy stud-muffins were going to suddenly lose any market value they had in the dating world real quick! It was in fact “All About the Pentiums Baby!”Back in those days there was no “Internet” but there was… but no… there wasn’t even if there was. Confused? Of course because you don’t have any clue what it was like to live with cellphones and FaceBook and Quora where you can jump on and ask simple questions only to have some old dude type a novel instead of just giving you the damn answer (don’t you hate that? Yea right… makes you wish you could just stop reading doesn’t it? But you can’t so there!)In any case back then companies began a new fangled and very high tech process of tracking company information using get this: Computerized Software Integration Systems and because of that everything started looking like this CSIS instead of spelling out what that frickin’ means.This actually segmented modern society in ways that simply were not predicted because suddenly it wasn’t just government agencies that used special shorthand any longer like the FBI and the ATF with the DEA CI AGT (yea when they got so lazy that they couldn’t spell out agent because those two extra letters might swamp them I knew society was doomed people) but the companies that people actually worked for had special letters and abbreviation that only the employees of that company would use on a regular basis.And even the older people but too young for being as old as they feel (am I right grandma Gertie - ah the 50s make the 60s feel like the 40s right.. sigh) even they are realizing that before businesses nationwide started sending information over modems (which use the phone lines to transfer information in tiny bits which are slow but very reliable) people used to stop and talk to each other like… face to face!I am not bullshitting you here kids: an entire family would gather at one table just after dark in the same house and then they would sit down and all of them would remain at that table for like an hour.Teenage girls would explain to grey haired interrogators who they were hoping would ask them to a dance and they would listen to advice from that old lady not only about how to insure proper etiquette was observed while at this dance but also why it is so very important to allow the young man to exit his side of the car enough time to walk around and open her door - grandma would explain that if young men are not allowed to be chivalrous then they would eventually stop trying and then… the young lady would be told… it would be the woman-folk crying that there were no more good men left in the world just because they all wanted to prove that they could open that door themselves. Aint no sense in feeding a horse if you don’t ride it after all because eventually that horse is going to believe that the only work it should be expected to do is eat and he will buck off anyone who says otherwise.And that entire family benefited in a very real way from that time spent every single night around one table with sometimes three or four generations sharing lives.But now that grandma is locked away so very safe in an old folks home and everyone wears a mask just in case they cough on someone at a gas station who knows someone who works in some old folks home because the last thing anyone wants is for grandma to get COVID 19… or whatever number because as long as everyone wears a mask and no one ever stops in to talk to grandma she will be safe, secure, and happy right?Well anyway: this is about computerized modems attempting to dial another modem so a backup (or redundant copy) can be sent to a storage facility somewhere.You see back in the day when email messages excited the world and AOL (see what I mean about the whole letter hyphenation thing? We all knew it meant America and On and Line which was sort of cheating really because that is only two words but no one wanted to get “AL” to send them email so it was universally decided that three letters were the minimum even if you had to cheat to get them).By the early 1990’s it was clear that computerized software systems could be used to hyperlink text based… ok it was clear that HTTP and CSS and everything that has followed including ROFL and LOL which are both either exaggerations or kids across America are having epileptic seizures and rolling on the floor but since no one is ever in the same room to observe these grand mal events or the uncontrolled laughing out loud which is also never observed by anyone both the epilepsy and the Tourette syndrome population is drastically under counted - since that whole Interweb fad was gonna stick around every business around the country had to not only pay a niece to sit and talk to her friends on a company phone all day (Gina! Great the Customers FIRST! was universally heard up and down every street called Main for a few years until businesses started making deals so there could be a separate phone line JUST FOR CUSTOMERS Gina! And since that second line doubled the number of lines in use the price dropped across America for each line of service because before Gina pissed off her boss a second line would cost the same amount that the first one had and would double the expense of telecommunications for the business: in a way Gina and the Modem allowed multiple phone lines and improvements which were needed to insure reliability for data transfer and since the phone company was doubling the capacity of the transmission systems it became an overnight given that every business would have a completely dedicated phone line for modem use only so one phoneline that cost $50.00 per month became three phone based services that that only cost $60.00 and the competition for that $60.00 took off and the business owner was happy because he/she but let us face it back then… he… thought that getting three of something for only one third more than he was paying for one of something was a great business deal. Which only shows how stupid the average business owner is because the modem line was usually only used for a few minutes every week or so (remember that word usually folks because it will come back on us here) and the new business only line was always in use just like the original company line was - that is because when I wanted to call Gina and the line was busy because she was talking to Lori again I would call the business line so I could talk to both Gina and by proxy Lori - while the many Gina’s across the country were typically pretty bad at greeting the customers who walked in every single one of them were highly skilled at handling multiple conversations without confusion and while she might not have been a real asset to her employer she boosted the local economy because her boss had to pay to change all of the advertising already payed for once just to add the new business phone number so I would know how to call Gina when she was supposed to be working.And that is not only a very good example of tiered market economics kids (go ahead and submit it as your next essay I dare ya) but it also brings us to why this poor girls phone keeps getting called all of the time by that number that she wants to report to the police for harassing her AND brings us all the way back to redundancy.You see every young man who was lucky enough to get enough phone line time with any given “Gina” across the country had to wait when they came to pick her up because while she was supposed to get done with work at 5pm she never actually did get done with work at 5pm because… even though that damn modem called another modem and gave a report so it could be stored so that it could eventually be used to issue paychecks and handle transcripts or whatever the damn thing did: Gina had to print out each and every one of those reports and file them at the local office anyway and this couldn’t be done until the information had been compared at the other end (or home office) with the information locally and then any corrections had to be made and that typically didn’t happen until uncle grumpy-pants was ready to leave for the night so… it never failed that I would have to sit at the counter and suffer through the sound of a dot matrix printer just … dot dot dot-ing along.But Gina was worth it and making that backup copy so that the system was redundant insured that in December of 1999 every business owner was capable of avoiding suicide at the thought of Y2K which… we just don’t have time for right now kids:So… why that phone keeps ringing and that same damn number keeps doing it!Modem transfer and a hard copy backup was king for well… ten years or so and even longer but by 2011 or so business leaders across the country started to consider that all of those paper copies backing up a system that almost never failed seemed to be killing a whole lot of trees and since Gina got pregnant and decided she didn’t need the lousy minimum wage her crappy uncle paid like he was some slave owner or something… not even sure if that is what she screamed when she marched out the door but I didn’t care because we had things to do! But since Gina was now some ear-ring dude name Pierre or whatever and he never used the phone-lines but also failed to print out the backup most of the time anyway - the company (which now had a high-speed broadband line of service for cloud transfer of important data) stopped making redundant copies of everything on paper.Which then made that old modem the redundant backup system and that works because the broadband service is no longer on the old phone-line system so if one fails the other should save the important information unless…One of the things about Gina that modern small businesses should miss, besides her charming personality and of course her handsome, charming… and very modest boyfriend who probably brought in half of the customers everyday who most likely saw him at the counter and thought to themselves… “Well if he believes it is worth his time to check this business out then I should too!” Gina could do something back then that no one can duplicate today and that was good because although the transfer of data by the modem almost never failed there was one specific problem with the damn thing: but when that specific problem became obvious Gina would roll her eyes while the owner called her name for… what at times could seem like forever but typically was only four or maybe five urgent requests for attention: while rolling her eyes she would say much louder than was actually called for, “Hold on Lori (huge dramatic sigh) apparently uncle Hugo got his underwear twisted or something so I will be right back… no don’t hang up or I will get some customer calling and then I might not be able to call you back for like.. ever! I will be right back” and Gina would be able to open a file cabinet and bring the actual report she had printed out previously so that the business owner could do whatever business owners have to do with whatever… I asked Gina if she ever read those reports and she stared at me for a very long time in what I originally believed was very deep thought but then she said, “did you say something? I was thinking about buying some pink tights for my black one pei…” and I didn’t hear anything else and didn’t need to ever ask anything serious again of her. Yet again Gina didn’t need to know what those reports were about for the backup of those reports to be there if needed.And once in a while that backup was really needed.That is because every Friday that modem would dial a number, let us say 555–55–5555 and a modem at the other end would answer and the two of them would screech at each other for a few minutes and both hang up - it was a very happy relationship most days: but sometimes after the power went out unexpectedly or something that modem would dial the number and it would ring and ring and ring and the other modem would never pick up. That modem had no way of knowing that the number it was now dialing was no longer the right number but instead had been changed to something else like 807–291–7244 and the modem would not panic because if the call was not completed the modem had instructions to call the number programmed into it again. And again… and again… and again over and over until either a modem answered on the other side or a specific number of attempts were made and the instructions that the modem had stored instructed it to stop for now and simply log a transmission failure in the error log including the number that had been dialed but had not responded.Back in the days when Gina was told to bring her paper copy in and for God’s sake tell Lori that it was ‘workie time not Lori time right now! The business owner would look at the error log and see that the number was wrong again; he would pay a technician an alarming amount of money to stop by - oggle Gina for a while and then when no one was looking type in a password and change the number to the correct one and then say something like, “Ah… OK… well sir… I have to say that the errors I find in your systems are baffling but I think I was able to restore everything now: just gotta reboot the system, say is it Gina? I hate to ask because you look so pretty in that outfit but could you help me by unplugging that cord under your desk and just wait for me to ask you to plug it back in please; pretty please because if this doesn’t work I might not ever get your phones working again… “ If Gina had been any other girl I would have angrily told that IT geek to stop putting her into positions that would universally be condemned as sexual harassment today but I had no doubt that Gina was fully in on the joke for two reasons: 1: She never played her drama queen act on the IT guys pretending that what she was being asked to do was so out of line and that she had so many other responsibilities but instead she would crawl under a desk when asked on her knees and say… “Tell me when baby I am all ears” and that brings us to number 2: she would wiggle as she talked and practically purr for whoever was asking her to show mnnn… compromised material due to the position I suppose. Years later I did ask her if she ever considered that pretending to not know what the IT guys were actually trying to do may have put other young women in harms way as the same thing was tried at other location but on unwilling participants and she assured me that other than her and Nancy down at the local bank those geeks wouldn’t have the courage to speak to any female while they pretended to be master hackers much less risk an accusation of trying to look down someones blouse so I was fine with it as long as she was fine with it.And she did eventually marry a dude who sold his .com for so much money that I think neither of them ever worked after they turned 30 so… she at least had a plan I suppose.But speaking of plans that modem could only dial whatever number it had and the only way it would stop dialing that same number is after someone realized that the information it had tried to send wasn’t actually sent which is why if I am right - ignoring the caller will eventually pay off: not really because you ignored it but because the information will be missed someday… OR … some IT dude and or dudette as there are many female techs out there now: has a schedule that causes them to verify that backup data is being secured which often is a weekly or monthly task.So.. all of a sudden some strange number starts calling your phone so you don’t answer it… but then it calls again and again like every two minutes for almost half an hour and you start to get a bit freaked out about it. You might even decide to answer it and yell at whatever telemarketer is going crazy on your number but all you hear on the other end is silence and maybe a very weird ticking sound and you hang up in a panic freaking out!Don’t bother freaking out because that modem logged that the line was picked up on the other end but that the code for transmission was not received.And you can’t give that modem the code it wants even if you tried to make yourself sound like the old AOL modem sounded when it downloaded back in the day because it is a digital signal that contains binary language.Typically the calls will only go on for a week or maybe a month and then they will simply stop and never happen again but… if your current number is the original number that modem was programmed to reset to when the power goes out or something else happens then you should consider changing your number (you could try entering it in the donotcall .gov system as this might block the modem from dialing it and that might cause the modem to audibly beep until someone pulls the power and calls IT… or stomps on it and tells the boss that it must have happened when they were not on duty or something because ah… yea it looks like it fell or something.Now if you have read this far go get yourself a cookie and a glass of milk as a reward and consider that things have changed quite a bit in a relatively short time: some good changes and some bad but change in any case.

HOLA!!!No Money to Start a Business? No Problem.You might be limited to a strict budget when you want to start a business, but that doesn’t mean you don’t have any options. It is possible to start a business with very little money, if you have the right combination of skills, work ethic and marketing know how.Convenience craving consumers are always looking for a way to do things better, faster and cheaper. Often, that means turning to a specialty services entrepreneur who knows how to get the job done right. Here, i provide some inspiration for aspiring service providers from adventure tour leaders to window washers. With my ideas to choose from, you have no excuse not to get started today with your own service business.Personal ServicesMobile Pet GroomingSnip, clip and brush your way to success as a mobile pet groomer. Fido and his owner will both appreciate the convenience of a "doorstep" doggie-grooming service. With the proper training and experience, a van and some grooming tools, start barking up the right tree by marketing your business in your neighborhood and others.Collectibles SearchCollectibles searchers, who carefully canvas swap meets, thrift stores and garage sales, can collect a bundle locating objets d'art for clients. Once you've found your niche--be it antique lunch boxes, dolls or grandfather clocks--advertise your services in hobbyist publications, at collectibles stores, in specialty forums on the internet, or on eBay. Soon you'll be taking up a collection of your own.Diaper DeliveryWhoever said cloth diapers couldn't be convenient--and user-friendly? Velcro diaper "wraps" replace awkward pins, and pickup and delivery take the dirty work out of diapering. Equipped with a "clean," propane-fueled delivery truck and some washing machines, you can provide an environmentally friendly alternative to disposables. Talk about a change for the better!Dry-Cleaning Pickup & DeliveryAre you clothes-minded? Then try on the dry-cleaning pickup-and-delivery business for size. Provide pickup and drop-off at a place that's convenient for busy professionals, then follow suit by arranging with a local dry cleaner to do the actual cleaning.Mobile LocksmithYou hold the keys to success as a mobile locksmith. For best results, be ready for 24-hour action with a cell phone and van. With some training and basic equipment, you'll have this business mastered--lock, stock and barrel.Graffiti Removal & AbatementEquipped with some paint and other preventive treatments, you're set to serve residential as well as commercial clients with your own graffiti-removal-and-abatement business. City governments and schools can also benefit from the removal of unsightly "tagging" in their districts.Golf-Club CleaningTake your best shot with a golf-club cleaning service. Not only will you be offering golfers a clean edge to improve their game, but you'll be offering a way to protect their investment from the rusting, pitting and discoloration of dirty clubs.Self-Defense InstructorYou can never feel too safe or secure. People of all ages and backgrounds can benefit from the self-defense skills you can teach them. Get your business jump-started by training others in the disciplines you've learned--Aikido, Karate, or simply basic safety-awareness skills.Adventure ToursGot a taste for adventure? Whether it's exploring South American caves or touring English teahouses, you're sure to find a fanatic following . . . so long as you do all the footwork first. Put your service on the road to success by coordinating transportation, food and lodging. Your clients only need to worry about one thing: having fun.Pet SittingWhen it comes to creature comforts, most canines would choose their own backyard over a kennel any day. Thanks to pet sitters--who take care of pets while their owners are out of town or busy--Fido can have his kibble at home. This business isn't just for the dogs, however; gear your services toward all creatures great and small for maximum profits.Mobile MassageSuccess is close at hand for mobile massage providers. Advertise your stress-relieving services at local workout clubs, spas and physical therapists' offices. Then bring your trained hands--and a portable massage table--to clients' homes or places of work.Personal ChefCook up tasty profits as a personal chef. Those with culinary competence can likely find a hungry clientele among the ranks of America's busy working families. Or, market your business to clients for those special occasions when they prefer to dine in--complete with restaurant-quality food and service.Mobile MechanicAs a mobile mechanic, a good knowledge of automobile repair techniques and a list of referrals help you rev up sales. Put your business in the fast lane by bringing your service directly to clients' homes or places of business.Seamstress/TailorAs a seamstress or tailor, sew your way to success altering clothing and/or creating new apparel from scratch. Spread the word about your service at local boutiques and dry cleaners, plug in your sewing machine, and start stitching.Court-Paper ServingYou can't beat the legal system . . . as a great resource for business, that is. Private attorneys, who lack the time to do much footwork themselves, often turn to registered court-paper processors to serve their summonses. Come judgment day, you'll be courting success.Porcelain RepairRub a dub, dub, a porcelain-repair entrepreneur in the tub: Fixing unsightly chips and cracks in tubs and other porcelain accessories puts entrepreneurs in business. With a porcelain-repair kit in hand, sinks and tubs are made like new again.Cover Letter/Resume ServiceNot everyone knows how to look good on paper. With your editing and basic layout skills, a laser printer, and some high-quality stationery, you're set to start showing clients how to put their best foot forward in their resumes and cover letters--and how to get in the door of potential employers' businesses for an interview.Mystery ShoppingNow, you can shop till you drop . . . and get paid for it! Just put on your shopping shoes and put service personnel to the test as a "mystery" shopper. Rate local retail stores' employees on attitude, friendliness, and overall quality of service, then report back to your store-owner clients, helping them to ensure their service really is number one.Tax-Form PreparerOne thing is certain: There will always be a need for tax preparers. Come tax season, businesses and individuals alike need help preparing numerous tax forms and understanding the latest tax regulations. Equipped with some specialized computer software, start scheduling your career as a tax preparer this fiscal year-and get ready for some returns on your time and investment.Wedding-Guide PublishingFor photographers, bakers, caterers and florists, wedding bells mean big business. Help them get a piece of the action by publishing a wedding guide with space for local advertisers. Include some basic wedding-planning articles, and you'll find June brides aren't the only ones to benefit from your premarital publication.Mobile Car-Wash and DetailingTake your business on the road, and clean up on profits as a mobile car-wash and detailing pro. Let a little soap and water do wonders . . . along with a few rags, brushes, and elbow grease; then drive home sales by marketing your services to car dealers, rental fleet owners, and corporations.Used-Car InspectionSometimes, it takes a little more than a kick of the tires to evaluate a used car. With some basic diagnostic equipment and mechanical know-how, however, used-car inspectors can help steer clients away from "lemons." Developing a roster of appreciative customers puts you on the road to referrals--and success.Professional OrganizerNeatniks need apply: If you're got a knack for neatness, why not help the organizationally challenged? Messy closets, home offices and commercial offices alike could benefit from a more efficient setup. Put some order into others' lives, and arrange yourself some pretty profits.TutoringThought your proficiency in high school algebra was all for naught? Think again: As a tutor, you could help others bone up on their studies. Whether it's reading, writing or arithmetic, help your students reach the top of their class with a little experienced guidance and support.Power WashingOily driveways, mud-caked semi trucks, or barnacle-ridden boats . . . You name it, and entrepreneurs equipped with specialized power-washing equipment can probably clean it. For spotless results, target commercial as well as residential customers.Windshield RepairTo find potential clients for your windshield-repair business, simply canvas local parking and used-car lots for cars with cracked, chipped windshields. A basic repair kit enables you to offer clients what is clearly a better alternative to costly glass replacement.Private InvestigationBlaze your own entrepreneurial trail while following others' footsteps-literally. As a private investigator, make your mark in the industry by keeping a keen "eye" on other people's activities. Clients include attorneys gathering evidence for a case, or individuals seeking information about a significant other.Business ServicesBusiness-Plan ConsultingNot only is a business plan crucial in obtaining bank financing, but it's an invaluable tool for anticipating--and tackling--a business's inevitable ups and downs. With your writing skills, spreadsheet know-how, and general business savvy, show clients how to present their best-laid plans . . . while accomplishing your own.Packing and Unpacking ServicePacking up to move to a new home or office--not to mention unpacking on the other end--is enough to leave one feeling upended. Thank goodness for packing and unpacking entrepreneurs who, with their hassle- and time-saving services, make moving seem like magic.Business-Travel ManagementMake the skies even friendlier for business travelers--and less costly for business owners--as a business--travel manager. Help book low-price tickets, keep expense records, manage frequent-flier miles . . . and reap the high-flying rewards.Carpet DyeingFor a fraction of the cost of replacing unsightly or stained carpeting, carpet-dyeing professionals provide hotels, community centers, nursing homes and other businesses an attractive alternative. So go ahead, lay the options at your clients' feet . . . and start making wall-to-wall profits.Hospital-Bill AuditingThere's nothing worse than being laid up in the hospital for a few days . . . except maybe the pile of often confusing bills that follow. The remedy: hospital-bill auditors, who--thanks to their billing savvy and attention to detail--make way for their clients' smooth recovery.Specialized StaffingHelping clients meet their workforce needs is a matter of finding a niche and filling it--and keeping up with human resources trends. Work your way up in the industry by developing a roster of specially skilled workers, then use your "people skills" to build your business.BookkeepingThough today's software makes keeping your own books easier, it doesn't make it much less time-consuming. That's why, for business owners with little time to spare, a bookkeeping service is not only a time-saver, but an asset.Computer RepairIn today's computer-based society, computer "downtime" can be both costly and aggravating. As a repair professional--equipped with some basic diagnostic equipment and technological savvy--you can get clients' computers back up and humming again.Referral ServiceFor referral-service entrepreneurs--who act as a "welcome wagon" to newcomers--getting to know new as well as existing businesses pays off in more ways than one. Local companies pay to get their services introduced to newcomers, while these new customers pay for a little friendly advice.Video BrochureMake record profits taping corporate video brochures. Just get your video recorder handy, and zoom in on the action. Video-editing skills and special-effects techniques help you pull together the big picture--and reel in the profits.Executive SearchTake your business to a "hire" level: As an executive-search specialist, help busy clients find the right man--or woman--for the job. Your job involves placing ads and conducting interviews to screen potential employees for clients. Put on your best interviewing suit, and get down to business.Freight BrokerageOne sack of flour for a dozen eggs . . . Gone are the days of such no-frills, local trade. In their place: a sophisticated global commerce system requiring a thorough knowledge of land, sea, air and rail shipping rates and regulations. Knowledgeable freight brokers are indispensable to this burgeoning scene.Long-Distance ResellingBy buying time in bulk from wholesalers, long-distance resellers ring up sales by servicing long-distance consumers--often at significant savings. You make the call: Either purchase the telecommunications equipment you'll need now, or rent it and simply focus on the marketing of your service.Computer ConsultingTap into a surging market as a computer consultant. Whether you're an expert at Linux, putting together hardware components, or networking, a growing number of computer "newbies" will surely benefit from your services.Limousine ServiceWith a limo and some insurance, you could be the driving force behind a new business venture. Stretch your market by adding more drivers and cars to your fleet. Then, once you've established a reliable reputation, start driving home your limousine-service sales.Language TranslationFalling foreign-trade barriers and improved communication technology translate into success for language translators and interpreters. An ear for multiple languages puts you at the forefront of this global movement.Office-Relocation ServiceHelping businesses get plugged in to a new neighborhood comes easy for office-relocation-service entrepreneurs who, as "locals," know who's who in providing such services as printing, restaurant delivery and equipment repair.Office Plant MaintenanceSet your roots in a growing business as an office-plant-maintenance entrepreneur. Regular watering, light pruning, and fertilizing are all in a day's work. Though a green thumb is helpful, some clients may also request maintenance of their silk plants. Either way, your business is sure to grow.Professional Office ConsultantIt's one thing to spend a day at the office, and another altogether torun the office. As a professional office consultant, you'll oversee such responsibilities as marketing, insurance and daily operations for professional lawyers, doctors or other specialists--while leaving the rest to the "pros."Miniblind CleaningPut an end to dusty miniblinds in offices, homes and other buildings with your miniblind-cleaning service. Immerse blinds in tanks of gentle, yet effective, cleansing solution . . . and give clients a squeaky-clean new perspective on the world outside their windows.Office-Support ServiceTyping, filing, sorting mail, entering data, and answering phones are just a few tasks an office-support service can perform to help out harried business owners. Hand out business cards to every businessperson you know--and get ready to spend a productive day at the office!Apartment-PreppingMove in on the housing market with some basic plumbing, painting, caulking and scrubbing skills. Busy landlords and leasing offices can both benefit from your handyman skills, while you, in turn, make some handy profits repairing vacated units for clients' new tenants.Debt-Collection ServiceMoney makes the world go 'round: You get paid when your clients get paid by the people who you get to pay them. Sound complicated? It doesn't have to be: As a debt collector, it pays in more ways than one to have some persistence in tracking down clients' delinquent debtors.Restaurant Delivery ServiceWhen "Let's do lunch" means eating at the office, an ordinary sack lunch doesn't have to suffice. Thanks to restaurant deliverers, busy professionals can order their meals from local restaurants. By collecting a delivery charge and tip, operators get a good taste of entrepreneurial success.CateringA caterer's place is in the kitchen . . . cooking up hot profits, that is. So long as your kitchen is commercially approved--and you've got a knack for stirring up some "dough"--you've got the makings for savory success. Service weddings, holiday parties, and other festive gatherings; if you're lucky, clients will have your cake and eat it, too!Seminar PromotionIf there's one thing consumers can never seem to get enough of, it's information. Give 'em an earful by planning and promoting informational seminars. You don't need to be an expert yourself; just schedule the speakers, reserve a location, promote the event, and get ready to collect the profits at the door.Window WashingBusiness has never been clearer for window washers. Grab your bucket, squeegee, and glass-cleaning solution, and rap at the dirty windows of local businesses and residences alike. Add repeat customers, and you'll soon be on a winning streak.Valet ParkingDrive right up to entrepreneurship as the owner of a valet-parking service. Restaurants, hotels and convention centers can all use the services of a well-dressed, bonded parking staff. The key is having your own team of drivers to keep clients' customers--and their cars--on the move.Professional OrganizerNeatniks need apply: If you've got a knack for neatness, why not help the organizationally challenged? Messy closets, home offices and commercial offices alike could benefit from a more efficient setup. Put some order into others' lives, and arrange yourself some pretty profits.Power WashingOily driveways, mud-caked semi trucks, or barnacle-ridden boats . . . You name it, and entrepreneurs equipped with specialized power-washing equipment can probably clean it. For spotless results, target commercial as well as residential customers.Marketing and SalesSales-Lead GeneratingStreamline salespeople's efforts by identifying prospects and generating sales leads. Some footwork, market research, and a phone set you on the path to compiling a list of potential customers for your clients.Public-Relations AgencyA way with words, enthusiasm and persistence are all necessary in this competitive business. Networking--by developing contacts with reporters and other media--is also crucial to helping your clients go public with press releases and more.Copywriting and Proofreading ServiceWanted: creative writer with a knack for finding typos and misteaks . . . er, mistakes. Writers who help ensure clients' advertising copy is both catchy and fault-free may not win a Pulitzer, but they will have some profits to write home about.Direct Mail/CouponCash in on consumers' coupon-cutting craze with a direct-mail coupon service. Get started by selling ad space in a direct-mail coupon package to local businesses. When you mail coupons to local residents, your clients will benefit from the exposure and you'll benefit from a first-class business of your own.Public-Relations AgencyA way with words, enthusiasm and persistence are all necessary in this competitive business. Networking--by developing contacts with reporters and other media--is also crucial to helping your clients go public with press releases and more.Mailing ServicesPost record profits fulfilling clients' envelope-stuffing and bulk-mail-processing needs. Advertise in the business section of your local newspaper, and start looking for your check in the mail.Sales TrainingDon't sell yourself short: With some self-promotion and marketing know-how, you could have what it takes to build your own business as a sales trainer. By sharing your sales savvy with other busy business owners, you not only help boost clients' bottom line, but yours, too.Welcoming ServiceWelcoming-service entrepreneurs--who greet newcomers to town with a package of coupons, samples from local businesses, and other community information--not only provide a welcome service to newcomers, but to local businesses, as well.Home ServicesPacking and Unpacking ServicePacking up to move to a new home or office--not to mention unpacking on the other end--is enough to leave one feeling upended. Thank goodness for packing and unpacking entrepreneurs who, with their hassle- and time-saving services, make moving seem like magic.Handyman ServicesIf it's broke, you can fix it. Advertise in local newspapers and bulletin boards, then get busy repairing everything from leaky pipes and stopped-up toilets to jammed cabinet drawers and broken windows.Carpet DyeingFor a fraction of the cost of replacing unsightly or stained carpeting, carpet-dyeing professionals provide hotels, community centers, nursing homes and other businesses an attractive alternative. So go ahead, lay the options at your clients' feet . . . and start making wall-to-wall profits.Home-Entertainment InstallationJust watch a novice attempt to connect the wires, cables and other components of their new or relocated stereo and television equipment, and you're likely to view consumer impatience at its finest. But with your sound electrical and wiring expertise, you'll have all systems buzzing in no time.Mortgage/Debt-Reduction ServiceBy explaining alternative payment structures to clients (which can result in a smaller total payment in a shorter period of time), mortgage and debt-reduction-service professionals are helping to relieve America's debt--one citizen at a time.Pool ServicesMake a splash in the pool-services business with little more than some cleaning equipment and a water-test kit. Just load up your tools in your car and make the rounds in your neighborhood. Then dive right into business by marketing your service to homeowners' associations, apartment complexes and individual residences.Lawn CareWhen push comes to shove, you've probably got what it takes to make some "green." Just roll up your sleeves and start mowing, clipping and fertilizing lawns for office complexes and residential clients alike.Home-Inspection ServiceA keen eye for structural detail paves the way to success in your home-inspection service. Start by assessing clients' homes for problems such as structural damage and foundation abnormalities, then refer customers to contractors who can ensure their homes are in good repair.House PaintingBrush up on your painting skills, and get ready to paint the town red--or white, blue or beige, for that matter. Just load up your truck with brushes, rollers and ladders, and get primed for business!Local Moving ServiceBe a mover and shaker with your own local moving service. This is no business for the faint of heart, however: Make sure you're equipped with some upstanding leveraging techniques . . . as well as brawn.House-SittingIs there a sitter in the house? If so, homeowners can rest assured that, while they're away, their plants and pets will be tended to. Don't wait for opportunity to come knocking; a reliable set of references get you in the door.Home DecoratingHome in on the decorating business with your flair for design. Work with local furniture and accessory stores, paint shops, and carpet and drapery outlets to coordinate clients' interiors. And remember: The key to getting in the door of this business is decorating your own home, first.Miniblind CleaningPut an end to dusty miniblinds in offices, homes and other buildings with your miniblind-cleaning service. Immerse blinds in tanks of gentle, yet effective, cleansing solution . . . and give clients a squeaky-clean new perspective on the world outside their windows.Pet-Food and Supplies Home DeliveryLugging pounds of pet food and supplies from the store each week or so can be a burden on pet owners, but it's certainly not too much for pet-delivery entrepreneurs. Once you've sniffed out some leads, start serving up success by delivering pet supplies directly to customers' doors.Custom Closet SystemsCalling all closet-organizing fanatics: It's time to come out and show your stuff! With a few hooks and shelves, and a lot of creativity (but checking any fear of small spaces at the door), you've got the makings of a custom closet-systems pro . . . with plenty of room to grow. New homeowners and long-time closet accumulators alike make up your potential clientele.Window WashingBusiness has never been clearer for window washers. Grab your bucket, squeegee, and glass-cleaning solution, and rap at the dirty windows of local businesses and residences alike. Add repeat customers, and you'll soon be on a winning streak.Residential CleaningNot only is residential cleaning a good way to keep a body busy, but it's also a way to clean up some profits while you're at it. Start on the ground floor by mopping, sweeping and dusting one house, and work your way up from there!Computers and TechnologyComputer RepairIn today's computer-based society, computer "downtime" can be both costly and aggravating. As a repair professional-equipped with some basic diagnostic equipment and technological savvy-you can get clients' computers back up and humming again.Computer ConsultingTap into a surging market as a computer consultant. Whether you're an expert at Windows 95, putting together hardware components, or networking, a growing number of computer "newbies" will surely benefit from your services.Internet ResearchPractice makes perfect when it comes to surfing the internet. With some search-engine and self-marketing savvy, put information at clients' fingertips--and "net" profits at yours.Web-Site DesignerWith specialized software, creating websites comes easy, so long as you have some basic technical and graphic savvy. Home in on business by helping businesses establish a site; existing clients will need help keeping their websites up-to-date, as well.Children's ServicesChildren's Party PlanningDo parents a favor and plan their next children's party. From hiring Sesame Street character look-alikes to coordinating games, decorations and food, you're sure to be the life of the party by allowing parents to relax and have fun, too. Plan birthday, holiday, and religious-ceremony celebrations . . . and let the festivities begin!Child CareAs a child-care provider, you'll need a state license, plenty of baby-sitting experience, and a lot of patience and TLC. Whether you "sit" at your place or theirs, you'll find busy parents aren't your only clients; many office complexes, gyms and other businesses need quality child care, too.Child-Identification ProgramSafety first: When it comes to keeping tabs on children, there's no excuse for kidding around. By offering parents a complete child-identification program, including information files, fingerprinting, identification tags and photos, you not only set parents' minds more at ease, but provide a safety net for our next generation.Children's FitnessIf there's one thing that never seems to run out, it's a kid's supply of energy. Tap into that vast resource with a children's fitness program. Put your knowledge of children's education and physical fitness to the test by renting a location, then coordinate activities such as tumbling, dance, gymnastics and karate. And hop to it!Children's Transportation ServiceFor working and nonworking parents alike, transporting junior to and from school (as well as to after-school activities) can become, well, taxi-ing. By providing a reliable children's transportation service, you give busy parents a break-and keep their busy kids on schedule.Baby-ProofingStairs, cabinets, electrical cords and outlets-they're all potential baby hazards. New parents, grandparents, and even baby sitters could all benefit from a more kid-friendly house. So grab your tools and be prepared to get down on your hands and knees (it helps to view things from a baby's perspective).Computer Training for KidsReading, writing, arithmetic . . . and computers. Though it seems like kids today are born speaking computerese, they've got to start learning somewhere. Teaching them the basics early on is sure to put kids at the head of their class . . . and you at the head of your own business.Nanny PlacementFor busy parents, finding a good nanny isn't child's play. Nanny-placement agents-who screen applicants, check references, match personalities, and set schedules-provide clients an invaluable service by saving them considerable time and worry.New Mother/Infant Home CareMake new babies' homecomings from the hospital less tiresome for parents by providing the in-home care and support they need. Preparing meals, diapering the baby, and providing light housekeeping are all a great relief to proud-but occasionally exhausted-new parents.TutoringThought your proficiency in high school algebra was all for naught? Think again: As a tutor, you could help others bone up on their studies. Whether it's reading, writing or arithmetic, help your students reach the top of their class with a little experienced guidance and support.Event ServicesPhotographyWith your eye for photo opportunities-at weddings, parties, special events and more-you could be zooming in on profits as a freelance photographer. Be prepared to work weekends and evenings (when many clients will need your services) and to hire an assistant to help you juggle your photo paraphernalia.Errand Runner/Personal ShopperCalling all shopaholics: Here's one business where you can truly shop till you drop . . . without spending a penny of your own! Personal shoppers-who may also perform other errands, such as picking up prescriptions or buying groceries-can never complain about a lack of things to do.Family-History VideoMoney can grow on trees . . . family trees, that is. Family-history videographers are hitting home by filming personalized accounts of weddings, births and other memorable occasions. Should a customer's other family members give the film a thumbs up, you may be looking at future generations of customers.Mobile Disc JockeyAs a mobile disc jockey, weddings, parties and other events are all music to your ears. Start jammin' with a collection of compact discs, a CD player, and a speaker system, then pass on the word about your services to wedding and event planners.Wedding-Planning ServiceGetting married isn't always as simple as saying, "I do." There's a caterer to be contracted, a location to be rented, and flowers to be ordered. So when it comes to making matrimony a more harmonious event for the new couple and their families, wedding planners take the cake.Event PlanningIf your life has been, well, uneventful until now, we have a solution: Be an event planner! Whether it's a party, wedding or convention, you're sure to be at the center of all the action when you coordinate everything from room rentals and speakers to decorations and food.Limousine ServiceWith a limo and some insurance, you could be the driving force behind a new business venture. Stretch your market by adding more drivers and cars to your fleet. Then, once you've established a reliable reputation, start-driving home your limousine-service sales.Photo Birth AnnouncementsFor birth-announcement producers, business is booming as fast as the population! Some basic desktop-publishing software, scanning equipment, and the names of new parents put you in the starting blocks; from there, create fanciful photo-cards, including those all-important details: name, birth date, time and weight.Videotaping ServiceYou may not win a producer-of-the-year award, but you'll win the appreciation of your clients when you capture their weddings, bar mitzvahs, birthdays and more on videotape. Keep the film rolling at special events, then edit a final version for clients' own special screenings.Reunion OrganizingReunite 'em 'cause it pays so good: Whether it's one big happy family or one big high school class, reunions can be a joyful-and lucrative-occasion for reunion organizers. Schedule the accommodations, coordinate the catering and entertainment, send out the invitations, then sit back and let it all "come together."Still need me handy inbox meGraciasLaeeq Peeran