get a pan card for less than 70/-

You can get a pan card for less than 70/- agents charge 300/- to 1500/- you can apply online and send the neccessary documents by post you don't need to go to income tax's office & stand in long queue just mail them the required documents within 15 days you will get your pan card you can pay their fees online through credit card or send them a cheque or demand draft.

To apply for a pan card online

https://tin.tin.nsdl.com/pan/form49A.html

https://tin.tin.nsdl.com/pan/Instructions49A.html

INSTRUCTIONS FOR FILLING FORM 49A

(a)	Form to be filled in English only.
(b)	Fields marked by asterisk (*) are mandatory.
(c)	The applicant shall leave a blank space after each word/number/punctuation mark in a field.
(d)	Those already allotted a ten-digit alphanumeric PAN shall not apply again as having or using more than one PAN is illegal. However, request for a new PAN card with the same PAN or/and changes or correction in PAN data can be made by filling up the form for 'Request for New PAN Card or/and Changes or Correction in PAN Data'.
(e)	Applicants are required to provide their Ward/Circle, Range and Commissioner details alongwith AO Code details in the application. These details can be obtained either from the Income Tax Office or an applicant can search the same by clicking the link provided in the form.

Item No.	Item Details	Instructions for filling the form
1	Full Name	Please select appropriate title. Individuals must state full expanded name. Do not use abbreviations and initials. Single and double characters in Last Name and First Name except OM, DE, UR, UL and AL are treated as initials. For example, Jasjit Singh Anand should be written as: Last Name/Surname First Name Middle Name ANAND JASJIT SINGH Applicants other than 'Individuals', must ignore above instructions. For example: Name of the Company NATIONAL SECURITIES DEPOSITORY LIMITED HUFs shall mention HUF after their full name. For example: Name of HUF JASJIT SINGH ANAND HUF In case of Company, the name should be provided without any abbreviations. For example, different variations of 'Private Limited' viz. Pvt Ltd, Private Ltd, Pvt Limited, P Ltd, P. Ltd., P. Ltd are not allowed. It should be 'Private Limited' or 'Limited' only. In case of sole proprietorship concern, the sole proprietor should use/apply PAN in his/her personal name. Name should not be prefixed with titles such as Shri, Smt, Kumari, Dr., Major, M/s etc.
2	Name you would like printed on the card	Individual applicants are allowed to provide abbreviated 'Name to be printed on the card'. The abbreviated name should necessarily contain the expanded last name. For example: Last Name/Surname First Name Middle Name RAVAL RUTVIJ ATULBHAI can be written as, RUTVIJ ATULBHAI RAVAL R. A. RAVAL RUTVIJ A. RAVAL
3	Have you ever been known by any other name?	If applicant selects 'Yes', then it is mandatory to provide details of the other name. Title should be equal to the Title as mentioned in Item No. 1. Instructions in Item No.1 with respect to name apply here.
4	Father's Name	Applicable to Individuals only. Instructions in Item No.1 with respect to name apply here. Married women applicants should give only father's name and not husband's name.
5	Address - Residential and Office	R - Residential Address: (1) It is mandatory for Individuals / HUF / Body of Individuals / Association of Persons and Artificial Juridicial Person to mention residential address and provide proof of the same. (2) Out of first four fields, applicant must fill up atleast two fields. (3) Town/City/District, State/Union Territory and PIN are mandatory. Applicants other than Individuals / HUF / Body of Individuals / Association of Persons and Artificial Juridical Person will leave this field (Residential address) blank. O - Office Address: (1) In case of Individuals / HUF / Body of Individuals / Association of Persons and Artificial Juridical Person, if Item No.6 (Address for Communication) is selected as "O" then Office Address is mandatory. (2) Office name and address is mandatory in case of Individuals having source of income as salary [Item No.13 (a)]. (3) In case of other applicants, office name and address is mandatory. (4) For all categories of applicants, out of first four fields, at least two fields are mandatory. (5) Town/City/District, State/Union Territory and PIN are mandatory
6	Address for Communication	'R' means Residence and 'O' means Office. All future communication will be sent at the address indicated in this field.
7	Telephone Number and e-mail ID	(1) If Telephone Number is mentioned, STD Code is mandatory. (2) In case of mobile number, country code should be mentioned as STD Code. STD Code Tel. No. 9 1 9 8 2 0 0 1 1 1 1 5 Where '91' is the country code of India. However, In case of WLL mobiles (e.g. Reliance, TATA Indicom, etc.), STD Code should be mentioned. (3) It is suggested that applicants mention their telephone number so that they can be contacted in case of any discrepancy in the application form. (4) Applicants may provide their valid e-mail ID for receiving PAN through e-mail.
8	Sex	This field is mandatory for Individuals.
10	Date of Birth / Incorporation / Agreement / Partnership or Trust Deed / Formation of Body of Individuals / Association of Persons	Date cannot be a future date. Date 2nd August 1975 should be written as 0 2 0 8 1 9 7 5 DD MM YYYY Relevant date for different category of applicants is: Individual: Actual Date of Birth; Company: Date of Incorporation; Association of Person: Date of Formation/Creation;Association of Persons(Trusts):Date of Creation of Trust Deed; Partnership Firms: Date of Partnership Deed; HUFs: date of Creation HUF and for ancestral HUF, date can be 01010001 where the date of creation is not available.
11	Registration Number	Not applicable to Individuals and HUFs. Mandatory for 'Company'. Company should mention registration number issued by the Registrar of Companies. Other applicants may mention registration number issued by any State or Central Government Authority.
12	Citizen of India	This field is mandatory for all categories of applicants.
13 (a)	Salaried Employee	Mandatory field in case of salaried employee and Name of Organisation should be mentioned.
13 (b)	Nature and Code of Business/Profession	This field should be specified if applicant is not covered under 13 (a) or 13 (c) by selecting appropriate option from the drop-down list.
13 (c)	Others	This field should be specified if applicant is not covered under 13 (a) or 13 (b) by selecting appropriate option from the drop-down list.
14	Name and address of Representative Assessee	Section 160 of Income Tax Act, 1961 provides that any assessee can be represented through Representative Assessee. Representative Assessee can be an individual only. If applicant's age is below 18, representative assessee details are mandatory.
15	Proof of Identity and Address	Select appropriate proof of identity and address from the relevant drop-down list provided in the form. In case of minor, proofs of any of the parents or guardian shall be deemed to be the proof of identity and address.
16	Other Details: Depository Account	If applicant selects 'copy of depository account' as proof of identity or proof of address, it is mandatory to fill in Depository Account Details.
17	Payment Details	An applicant has an option of making payment either by demand draft, cheque or Credit Card (Payment details are mentioned in guidelines)

Documents to be submitted as Proof of Identity and Address

Category	Documents Required
Individual	For Proof of Identity(Copy of any one of the following):
	1. School leaving certificate 2. Matriculation certificate 3. Degree of a recognised educational institution 4. Depository account transaction statement (for a period not exceeding one year prior to date of application) 5. Credit card 6. Bank account statement (for a period not exceeding one year prior to date of application) 7. Water bill 8. Ration card 9. Property tax assessment order 10. Passport 11. Voters Identity Card 12. Driving License 13. Certificate of identity signed by Member of Parliament or Member of Legislative Assembly or Municipal Councilor or Gazetted Officer.
	For Proof of Address (Copy of any one of the following):
	1. Electricity bill (for a period not exceeding one year prior to date of application) 2. Telephone bill (for a period not exceeding one year prior to date of application) 3. Depository account transaction statement (for a period not exceeding one year prior to date of application) 4. Credit card statement (for a period not exceeding one year prior to date of application) 5. Bank account statement (for a period not exceeding one year prior to date of application) 6. Ration card 7. Employer certificate 8. Passport 9. Voters Identity card 10. Property tax assessment order 11. Driving License 12. Rent receipt (for a period not exceeding one year prior to date of application) 13. Certificate of address signed by Member of Parliament or Member of Legislative Assembly or Municipal Councilor or Gazetted Officer.
	In case of a minor, any of the above documents of any of the parents or guardian of such minor shall be deemed to be the proof of identity and address.
HUF	For proof of identity and address, any document prescribed in the case of individuals in respect of Karta of the HUF.
Company	Copy of Certificate of Registration issued by Registrar of Companies.
Firms	Copy of Certificate of Registration issued by Registrar of Firms or Copy of Partnership Deed.
AOP (Trusts)	Copy of Trust Deed or Copy of Certificate of Registration issued by Charity Commissioner.
AOP/BOI/Local Authority/ Artificial Juridical Person	Copy of Agreement or Copy of Certificate of Registration issued by Charity Commissioner or Registrar of Co-operative Society or any other Competent Authority or any other document originating from any Central or State Government Department establishing identity and address of such person.

million dollar man

They are calling him the million dollar man. Jason Calacanis recently revealed in his blog that he is on track to earn a million dollars from AdSense over the year ahead.

And if that number doesn’t wake you up and have you sitting on the edge of your seat, consider for a moment that he reached this level in less than a year. His company only started using AdSense in September 2004.

Calacanis runs Weblogs Inc., a network dedicated to creating trade weblogs across niche industries. And he’s quickly proven that AdSense is a credible advertising partner.

As their network has grown, so has their AdSense revenue. In January 2005 they earned an average of $580 per day. In March it was $737. In May it was $1,585. One day in July, just before he made the blog entry referred to above, they earned $2,335. Remember that is just for one day. If they can take that daily average to $2,740 they’ll be earning a rate of $1 million for a year. And Calacanis predicts that reaching daily earnings of $3,000 or even $5,000 is quite achievable.

That’s quite an achievement. Keep in mind that Calacanis has 103 bloggers on the payroll and nine staffers. Even so, many webmasters would give an arm or a leg to have even a third of that.

Google’s AdSense has been revolutionary. It has become firmly established as the darling of the online advertising industry. Although rumors are heard of major competitors launching a similar service, AdSense’s premier position seems secure for now.

In essence, AdSense has made it possible for almost anyone with a web site or blog to earn some revenue from advertising, without having to employ sales people or spend precious time searching for advertisers.

AdSense works like this. Webmasters sign up for an account in just a few minutes. They receive a small snippet of code to include on their web pages. Google will then automatically serve advertisements that are relevant to the content on the webmaster's pages. When someone visits the webmaster's site and clicks on one of Google's AdSense advertisements, the webmaster earns a fee. Advertisers can pay anywhere from five cents to a hundred dollars per click, and the webmaster receives a percentage of that fee.

Many webmasters are content with earning five to ten dollars from AdSense to cover the cost of web hosting. But many, unsurprising, have higher ambitions. At a popular WebmasterWorld forum, participants share tips and encouragement on reaching a goal of $300 per day from AdSense. So it is no wonder that Calacanis created quite a buzz when he made his million dollar blog entry.

Google have proven once again that they excel at designing innovative Internet services. If you are in the web industry and have not yet used AdSense, then perhaps you should try it out. Or if you are already using it, perhaps Calacanis’ impressive results will encourage you to track the performance of your AdSense units more closely, fine tune their positions and formats, and take your earnings to a new level.

Calacanis’ million dollar blog entry can be viewed at: http://calacanis.weblogsinc.com/entry/1234000403051129/

so you want a credit card

So you need a credit card? Credit card are important if you want to make a online purchase you can pay your utility bills online Book airline or Rail tickets & it is safer than carrying cash in your wallet. It is a symbol of success & acheivement.If you don't have proper income proof & other supporting documents the chances are very slim that a bank will give you a credit card. In this case the best way to get a way credit card is get a pre-paid credit card. this doesn't require any income proof. of course you have to make a deposit with the bank. Icicibank gives you credit card if you make a fixed deposit of 20,000/- or through Hsbc bank for a deposit of 25,000/- below is more information about Hsbc smart money account

Take the smart way out, with the HSBC SmartMoney Account, which enables you to enjoy all the benefits of a savings account coupled with the high returns of a fixed deposit. A unique combination of a fixed deposit and a savings account, the HSBC SmartMoney Account lets you enjoy the higher returns of a fixed deposit and yet retain the liquidity and flexibility to meet all your needs.
Higher Interest Rates
Open a SmartMoney Account with a minimum fixed deposit of Rs.25,000 and get high returns. We have special rates for special tenors.



Free Savings accounts
Get a free savings account, without having to maintain any minimum balance.



Up to 90% overdraft
You can withdraw up to 90% through an overdraft facility. You can pay interest only on the amount overdrawn, while you earn interest on 100% of your fixed deposit.




Anytime Access
Access your SmartMoney Account 24 hours a day through our ATMs, Phonebanking, Internet banking. You also get your own personalised chequebook.



Free HSBC credit card #
Make the most of your hard-earned money with money saving features and value added benefits.



Free HSBC International debit card #
The HSBC International debit card allows you to withdraw up to Rs.25,000 per day, with higher withdrawal limits for PowerVantage and HSBC Premier customers.

Free online bill payment services
Make all your bill payments online and avoid the hassles of physical payments. It's convenient and quick.

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