Shrink Pic

Do you frequently upload photos to blogs and web galleries or send pictures through email (web based email providers or MS Outlook) or share photos through Skype / MSN Messenger? Then Shrink Pic is the image resizing application you’ve always wanted.

Shrink Pic is a free software which automates the entire task of reducing the size of images and allows you to send dozens of photos as email attachments - quickly and with no effort at all!

All you need to do is install Shrink Pic. It automatically detects when you're sending large photo files and compresses them in the background.

How does it work?

1. It runs silently in the background

1. When you are sending a photo, it will automatically detect and resize the photo and store it in a temporary area and send that resized photo. It gives you a message on the compression status.

1. You can control on the compression ratio of the photos via the settings.

1. If you need to send full sized pics for any reasons, you can disable the program from the taskbar.

It works perfectly on Windows XP / 2000 / 2003 / Vista & 7 and supports Vista Mail, Outlook, Thunderbird, Eudora, Poco Mail, Incredimail as email clients and Skype & MSN Messenger as IM clients.

You can also copy the program to your flash drive and add it to your portable list of softwares. You can download this incredible freeware from here

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Know your Credit Information

If you are from India and answer yes to any of the below questions, read on to know more about credit information seen by banks and how you can access your own Credit Information Report.

• Have you applied for a house loan or personal loan or credit card at any financial institutions and it got rejected?
• Have you been living off the credit card and have got sucked into the vicious credit cycle?
• Do you have a combinations of loans taken from various banks and financial institutions and do not have a track of which is open and which is closed?
• Do you want to see your Credit Report  which is being accessed by the various credit grantors when you apply for a loan or credit card?

You may be aware of India’s first credit information bureau, Credit Information Bureau (India) Ltd., (CIBIL). CIBIL is a repository of information, which contains the credit history of commercial and consumer borrowers. It primarily gets information from its Members only and at a subsequent stage will supplement it with public domain information in order to create a truly comprehensive snapshot of an entity’s financial track record. It provides this information to its Members in the form of credit information reports.

A Credit Information Report (CIR) is a factual record of a borrower's credit payment history compiled from information received from different credit grantors. Its purpose is to help credit grantors make informed lending decisions - quickly and objectively.

The CIR includes the following information:

-> Basic borrower information like:

-> Name
-> Address

In case of individuals:
-> Identification numbers
-> Passport ID
-> Voters ID
-> Date of birth

In case of non-individuals
-> D-U-N-S® Number
-> Registration Number
-> Legal Constitution

-> Records of all the credit facilities availed by the borrower
-> Past payment history
-> Amount overdue
-> Number of inquiries made on that borrower, by different members
-> Suit-filed status.

It is therefore imperative that your credit information is absolutely correct with CIBIL as all the financial lending institutions make their decisions based on the CIR from CIBIL.

Now it’s also possible to see your very own Credit Information Report. All it requires is to get a Demand Draft for Rs. 142, filled request form which can be downloaded from here, ID proof and address proof. Send all the documents through Indian Post (courier is not accepted) and upon processing you will receive your CIR. You can also get more information about it here. I had applied for my CIR on 20th December 2009 and awaiting the report. Considering the Christmas and New Year holidays gone by, maybe it might take time. Will update once I receive my report.

It may happen that you have made settlement or closed your loans, but the banks have not closed the books from their side. By accessing your credit information report, it will help you find out the status and if there are any errors, the original credit grantor has to be approached so that the deviations, if any, can be fixed by then and corrected in the next upload to reflect the correct picture of your credit history.

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Happy New Year 2010

Dear Readers,

Started the year 2009 with a bang w.r.t this blog, but by the time the year ended, my posts came to a trickle which is entirely my fault as was not able to give much time to this endeavour. Meanwhile have become more active on twitter so you can get more updates if you follow me there . The support that I have received from all you readers has been fantastic. Your comments are much appreciated. Hope to continue the momentum in the coming year. A small statistic on the number of visitors on the site. Thank you once again for the support.

Wish you all a VERY HAPPY NEW YEAR 2010 and hope you have a great year ahead.

Best Wishes,

Me<>

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