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Luxury cars, FMCG products, consumer durables, electronics items and readymade garments will become cheaper once GST is rolled out next year, but mobile phones, banking and insurance services, telephone bills as well as air travel will be dearer due to higher tax. Under the new indirect taxes regime, likely to take effect from April 1, 2017, levy on manufactured goods will come down, while consumers may end up spending more as service tax burden would go up, as GST is a consumption based tax.While the government is sure of the benefits the Goods and Services Tax will bring to the common man, it says it is still early days to predict which items will become more expensive or cheap. “On the whole, GST will bring down the burden of taxes on common man. However, unless the rate structure is finalised, it is not possible to predict which items will get relief,” Revenue Secretary Hasmukh Adhia told PTI.Tax experts claim that the current practice of tax on tax — for example, VAT being charged on not just the cost of production but also on the excise duty that is added at the factory gate leading to cost build-up — will go once GST is rolled out. This will help bring down prices of a range of products — from FMCG to consumer durables and electronics to readymade garments.On the other hand, for goods which currently attract low rate of duty like small cars (excise duty of 8 per cent), the impact of GST will bring about a price hike. However, for SUVs and big cars that attract excise duty of 27-30 per cent, will see a marked drop in prices. Tax experts feel that all services, barring essential ones like ambulance, cultural activities, pilgrimages and sporting events that are exempt from levy, will become costlier as the present 14.5 per cent rate is likely to increase to 18-22 per cent.Therefore, eating out, travel, telephone bills, banking and insurance services, hiring cabs, broadband, movies, branded jewellery and popular sporting events such as IPL will become expensive. “We cannot predict specifically any such thing. Once the rate structure of various items is decided then only we can predict the items on which the tax will go up or come down,” Adhia said, when asked if tax on services like mobile bill payment will go up with GST.GST, hailed as the most powerful tax reform that India has seen, aims to do away with multiple-tax regime on goods and services and bring them under one rate. GST will alter the present system of production-based taxation to a consumption-based one. While manufactured consumer goods will become cheaper as the incidence of excise duty and VAT will come down from 25-26 per cent at present, the cost of services would by and large, go up from the present 15 per cent levels.Currently, a consumer pays 25-26 per cent tax over and above the cost of production due to excise duty (peak of about 12.5 per cent) and value added tax (VAT). While there is no indication of what the GST rate will be, experts put it between 18 and 22 per cent which will, in all likelihood, make basic goods cheaper. Certain essential items such as raw food articles are not taxed at present and are expected to remain out of GST.The key products that would witness price reduction under GST are luxury automobiles, processed food, FMCG and pharma products. Processed food will continue to be taxed, but the applicable GST is likely to be lower than the current combined tax on such products. Hence, expect these to become slightly cheaper. The services that may witness increase in cost are telecom, rent-a-cab, movies, music concerts and tickets for sports events like IPL, according to Mahesh Jaising, Partner, BMR & Associates LLP.Tax advisory firm Nangia & Co said essential services for mass consumption may see a lower rate as they may be kept in lower tax bracket. Investment management and insurance premiums, which attract a service tax now, may also become costlier with the higher rate of GST. “GST is a mixed bag for the telecom sector. Customers are presently paying 15 per cent on cell phones and data card, which may see an upward movement. However, DTH players and cable companies may see a reduction in cost of services,” said Nitish Sharma, Partner (Indirect Taxation) Nangia & Co.Economic Laws Practice Partner Rohit Jain said common man could see some price escalation in services, while the taxation of real estate sector needs some clarity. “For a common man, the cost of services may go up, but there will be a reduction of price of goods,” Jain said, adding that land should be kept out while calculating the tax for purchase of real estate property. The total levy paid in buying a real estate property from a builder currently is 7 per cent (5 per cent Service Tax plus about 1-2 per cent VAT).For FMCG and pharma products, the manufacturing hubs for such products are influenced by the excise/state incentive schemes. Under GST, the manufacturing locations may be readjusted from a commercial perspective and have an impact of prices of such goods. Goods attract an excise duty of 12.5 per cent and a VAT of 12.5-15 per cent depending on the state. Further, there are numerous cascading of taxes on account of levy of CST, input tax credit retention under the VAT laws, levy of entry tax/Octroi/ local body tax, etc till the time the product signNowes the end customer.A combined effect of these taxes lead to an effective incidence of indirect taxes in the range of 23-25 per cent for the consumer. “Under the GST regime, there would be a signNow reduction in the overall indirect tax cost and increased credit flow for the manufacturers. This reduction in indirect tax cost can lead to reduction in production cost and increase in base line profits, which would in turn give headroom for reducing prices for end-users,” Jaising said.Nangia & Co’s Sharma said GST would signNowly reduce logistics costs across the value chain and lead to improved margins as a result of lower transportation costs. ICRA, in a report said, that the tax base would widen under the GST regime to cover the unorganised sector, thereby protecting the Governments’ revenues. This could also lead to the organised sector gaining an edge in sectors which have a strong presence of unorganised players. “The GST rate applicable to services is expected to be higher than the current service tax rate, thereby offsetting the revenue loss from organised sector manufactured goods. However, this may have an adverse impact on demand for services,” ICRA said.

UPSC went for quality questions this time rather than relying on random surprises. This type of paper is doable and was moderate in difficulty.Thoughts on Paper IPaper was moderately difficult and cut off is bound to rise from 98 of last year prelims. Imo it should hover between 104 to 108.Science, Environment, Polity and Current affairs dominatedVery less Questions from History, Geography (Static)No question from schemes eitherAn attempt in the vicinity of 75+ should be a good one (considering you get above 60 right).No totally random questions this timeAnyone who would have been regular with newspaper esp science and environment would sail through.Thoughts on Paper IIIt was a bit on the tougher side from the previous prelims imoUPSC is raising the level of English passages now. Anyone with average English speaking or writing skills would have found it difficult to attempt passages with sufficient amount of accuracy. Comprehension is one are where you cannot expect to breeze through easily now.Similarly, UPSC has also raised the level of Aptitude questions. Simple questions were less. Moderate to difficult were high.Overall, aspirants should now pay serious attention to English & Aptitude skills. UPSC is making sure that even qualifying 2nd paper is hardwork.This time UPSC has reverted back to setting quality questions unlike previous two years where it put many random questions.I also make videos for UPSC. You can visit the following link and subscribe if you find them useful: Concept EaglePS: Though we started making videos in March only but luckily got 3 questions directly from our videos. Lucky ! :D

Digital Documents Now Valid. Here's All You Need To Know About DigiLockerDigiLocker is a platform for issuance and verification of documents and certificates in a digital format, thereby eliminating the use of physical documents. Indian citizens who sign up for a DigiLocker account get a dedicated cloud storage space that is linked to their Aadhaar or UIDAI number.DigiLocker is a cloud-based digital locker to save documents online. They are now be officially acceptedNew Delhi:The government, on Thursday, issued an advisory to all states to accept documents in electronic form. With the idea of paperless governance, and an aim to make life simpler for citizens, the government announced that documents such as driving license, car registration, voter ID, PAN card, school and college certificates, and many other documents issued by the government will now be accepted, when presented in digital form. These documents can even be used for photo ID purposes at airports and railway stations.DigiLocker, as the name suggests, is a 'digital locker' for citizens to securely save copies of all their documents.DigiLocker is a platform for issuance and verification of documents and certificates in a digital format, thereby eliminating the use of physical documents. Indian citizens who sign up for a DigiLocker account get a dedicated cloud storage space that is linked to their Aadhaar or UIDAI number.Government departments and organisations which are registered with DigiLocker can push electronic copies of documents and certificates issued by them, directly into the citizens lockers. Citizens can also upload scanned copies of their documents in their accounts. These documents can be electronically signed as well, using the eSign facility.Here is all you need to know about DigiLocker, and how to use it:Q) What is DigiLocker, and how does it work?A) DigiLocker is a digital locker facility provided by the government. It allows all Indian citizens to store scanned or digital formats of their documents. The technology used by DigiLocker is Cloud computing, where all citizens are given 1 GB (gigabyte) of storage space on a secure and private cloud account. DigiLocker is part of the government's Digital India initiative.The project was launched by PM Modi in 2015, when it had a beta version. It is now completely ready, with the government telling all states to start officially recognising it. It is aimed at reducing the need to carry physical documents, while also aiding in paperless governance.How the DigiLocker system worksQ) What are the benefits of DigiLocker?A) Some of the benefits offered by DigiLocker include:Citizens can access their digital documents anytime, anywhere and share it online for their ease and convenience. This helps in saving time, paperwork, and helps people get their work done on the move.It reduces the administrative overhead of government departments by minimising the use of paper, thereby making it a hassle-free and more environment-friendly way of getting things done.DigiLocker makes it easier to validate the authenticity of documents as they are issued directly by the registered issuers. Since documents are verified by the concerned departments, it helps a user get many other tasks done, for eg: documents required for various banking purposes, or at airports and railway stations, where IDs are needed.Self-uploaded documents can be digitally signed using the eSign facility (which is similar to the process of self-attestation of documents). Documents can thereby be shared as and when required, without it having to be manually delivered or collected.All physical documents can then be kept in the safety of ones home, minimising the chance of ever losing them, or damaging them.Here is a video showing how DigiLocker helps in our daily lives:Q) How can I open a DigiLocker account? What do I need?A) The DigiLocker facility is available only for Indian citizens. To open a DigiLocker account, you must have an Aadhaar card (Aadhaar number). To activate the account, it is mandatory to link your DigiLocker account to your Aadhaar (UIDAI) number.Q) Is my data (certificates and documents) safe in DigiLocker?A) The government assures that DigiLocker is completely safe, with some of the best security features available on date. DigiLocker allows only the user to access their data and documents. The user gets a secure and private cloud account, which is password-protected. Security measures also include a 256 Bit SSL encryption and mobile authentication based sign up process (with OTP facility). DigiLocker also comes with a 'timed logout', which means it logs the user out if the individual leaves it open and idle.DigiLocker follows the best industry practices, and keeps data 100 per cent private, allowing only the user to share details and documents with others. DigiLocker is ISO certified, and has an ISO-27001 certified data centre.Some of the main security features include:Standard Practices: DigiLocker follows standard software development practices of uniform coding standards, guidelines and reviews. Every release is reviewed and tested internally for security and penetration vulnerabilities before getting deployed on our servers.256 Bit SSL Encryption: DigiLocker uses 256 bit secure socket layer (SSL) Encryption for information transmitted during any activity.Mobile Authentication based Sign Up: DigiLocker uses mobile authentication based signup via OTP (one time password) for authenticating users and allowing access to the platform.Aadhaar Authentication based Issued Document Access: To receive issued documents from registered issuers, citizens need to authenticate themselves using Aadhaar's Biometric or Mobile OTP authentication service.ISO 27001 certified Data Centre: The application is hosted in a ISO 27001 security certified data centre.Data Redundancy: Data is backed up in secure environment with proper redundancy.Timed Log Out: To protect citizen's account from unauthorized access, our system is designed to terminate session automatically if extended inactivity is detected.Security Audit: The DigiLocker application has been security audited by a recognized audit agency and the application security audit certificate has been obtained.User Consent Based System: The data from DigiLocker is shared only with the citizen's explicit consent. All sharing and access activities are logged and conveyed to the citizen. Organizations that need access to citizens' certificates need to register on DigiLocker and seek explicit consent from the citizen.To know full details about the technical specifications of DigiLocker, please click here.Q) Who are the key stakeholders in the DigiLocker system?A) DigiLocker has three stakeholders. They are:Issuer: Entity issuing e-documents to individuals in a standard format and making them electronically available eg: CBSE, Registrar Office, Income Tax department, RTO (transport office), etc.Requester: Entity requesting secure access to a particular e-document stored within a repository (eg: University, Passport Office, Regional Transport Office, etc.)Resident: An individual who uses the Digital Locker service based on their Aadhaar number.Q) What are the main technology components of the DigiLocker system?A) The main technology components of the DigiLocker system include:Repository: Collection of e-documents that is exposed via standard APIs for secure, real-time access.Access Gateway: Secure online mechanism for requesters to access e-documents from various repositories in real-time using URI (Uniform Resource Indicator).DigiLocker Portal: Dedicated cloud based personal storage space, linked to each resident's Aadhaar for storing e-documents, or URIs of e-documents.To know full details about the technical specifications of DigiLocker, please click here.Q) What is the sign-up and sign-in procedure for DigiLocker? Can I link my Google or Facebook to DigiLocker?A) While signing up for a DigiLocker account, it is mandatory for a user to have an Aadhaar (UIDAI) number. A one-time password or OTP is sent to the users Aadhaar-linked mobile number, which they need to sign-up.For log-ins thereafter, a user can set a password of their choice, or link the account to their Facebook or Google logins. The choice of linking DigiLocker with Google or Facebook is given to every user, and is left to their discretion. It is not necessary to link them.Here is video explaining the sign-in and sign-up processes:Q) Can an NRI (Non Resident Indian) sign up using a foreign mobile number?A) No, it is not possible. You can register in DigiLocker using an Indian mobile number only.Q) Once I sign-up for DigiLocker, How can I get my eAadhaar linked with my account?A) Here are the steps to get eAadhaar in DigiLocker:Login to DigiLocker with your credentials.After logging into DigiLocker, you will see a dialog box with a message to get your eAadhaar.Click on "Click here" link.An OTP box will appear in the dialog.You will receive an OTP on your mobile number linked to Aadhaar.Enter this OTP in the OTP box and click "Verify OTP" button.On successful validation of the OTP you will be redirected to "Issued Document" page where URI for eAadhaar will be listed.Click on "Save" icon next to Aadhaar Card on "Issued Document" page. Your eAadhaar will be saved to "Uploaded Document" section.Q) Is DigiLocker only accessible through a web browser? Does DigiLocker have a Mobile App? What platforms is it available on?A) DigiLocker is available both for the web, as well as mobile. This means, a user can access their DigiLocker account both, from a web or mobile browser, as well as the DigiLocker Mobile App.The DigiLocker Mobile App (mobile application) is available on Google Play Store and iOS App Store. Click on the links in this answer, while on your mobile phone, to download the DigiLocker App.Q) What are the rules and amendments to use DigiLocker?A) To know all about the rules and amendments of DigiLocker, please click here. The first 8 pages are in Hindi. For English, please go straight to page 9.Q) How do I upload and e-sign documents on DigiLocker?A) Here is a video explaining the entire process of uploading and e-signing documents on DigiLocker:Q) How do I get documents issued on DigiLocker?A) Here is a video explaining the entire process of getting documents issued on DigiLocker:Q) What is DigiLocker integration with Ministry of Road Transport and Highways (MoRTH). What are the benefits of this integration for citizens?A) DigiLocker has partnered with the Ministry of Road Transport and Highways for making available digital driving license and vehicle registration certificates to Indian citizens. Under this partnership, DigiLocker is now directly integrated with the National Register, which is the national database of driving license and vehicle registration data across the country. Henceforth, DigiLocker users will be able to access their digital RC and DL both on desktop computers and on mobile devices.Here are the benefits of this integration:Paperless Services: Digital driving license and vehicle registration will minimize the use of physical documents.Authentic Records: Citizens can share the authentic digital certificates directly from the data source with other departments as identity and address proof resulting in reduction of administrative overhead.Spot Verification: The digital RC and DL in a DigiLocker account can be spot verified for authenticity either by validating the Digital Signature of MoRTH on the PDF copy of the document or by scanning the QR code on digital documents by using the QR scan facility on DigiLocker mobile app.Q) What is the process of getting my digital DL (driving license) and RC (registration certificate) in DigiLocker?A) For getting the digital RC and DL, users should ensure their Aadhaar number is linked with their DigiLocker account. Once this is done, they can go to the "Pull Partner Documents" section, select the issuer and document type and enter the document details asked for. This will allow them to fetch their document from the transport ministry database. Once the document is fetched, users can save a permanent link (URI) to this digital document in their "Issued Documents" section for later reuse.While fetching the transport ministry digital records in DigiLocker, your name in your Aadhaar card should match your name in the RC and DL database of the National Register. This ensures that only the rightful owner of the documents is able to fetch the digital DL and RC.Please click here to get a step by step demo for the process of getting the digital RC and DL.Citizens can get their Digital RC and DL on both desktop and on mobile devices (Android only at present, iOS coming soon.)Q) How can I be sure that the Digital RC and DL in DigiLocker is indeed coming from the transport ministry database? Are these digital records authentic and legally valid under Indian laws?A) The digital RC and DL in DigiLocker is digitally signed by Ministry of Road Transport and Highways. It is fetched in real-time directly from the National Register database and has a timestamp for record keeping purposes. This digital document is a legally valid document under the Indian IT Act 2000.Q) How can a CBSE Class XII student get access to their digital mark sheet on DigiLocker?A) DigiLocker has partnered with CBSE for issuing digital mark sheets to 2016 Class XII students. Students who have registered their mobile number with CBSE would receive their DigiLocker account credentials through SMS, while those who don't have their mobiles registered with CBSE would need to create a DigiLocker account with their mobile number, sync with their Aadhaar number and then pull their mark sheet from the CBSE databases.For step by step instructions on how to do this, please click here.Q) What are issued documents and what are uploaded documents?A) Issued documents are e-documents issued by various government agencies in electronic format directly from the original data source and the URI (link) of these documents is available in the issued documents section of DigiLocker. Whereas uploaded documents are those e-documents uploaded directly by the DigiLocker user.Q) What is the maximum allowed file size that can be uploaded?A) Maximum allowed file size is 10MB.Q) What type of files can be uploaded?A) File types that can be uploaded - pdf, jpeg & png.Q) What is the meaning of URI?A) A URI is a Uniform Resource Identifier generated by the issuer department, which is mandatory for every e-document of the DigiLocker system. This unique URI can be resolved to a full URL (Uniform Resource Locator) to access the actual document in its appropriate repository.Q) What departments under the government have linked themselves to DigiLocker so far? What advisory has the government given to the states to officially recognise soft copies (on DigiLocker)?A) Here is the letter or advisory that the government has issued to all the states to officially recognise documents of citizens uploaded or fetched on DigiLocker. The letter also lists all the government departments that have linked themselves to DigiLocker.

Here are the 14 sales tools we at Tint think are the most useful new sales tools for mid-market b2b companies. The details on why each tool is top notch are outlined below. Enjoy!As Tint's first hire, my main goal was to bring in 100k by the end of 2013.  With the tools listed below, I was able to bring in $128,914 by NYE of 2013.  Now that we are on pace to hitting 2MM by 2014, my next goal is to streamline our sales team to set our sales vision higher: How to hit 20MM.  Now, I am firm believer of the saying “under commit, over deliver” but I also believe in setting high expectations that even if I’m shy of the goal, I’ll still be happy with the results.For example in November, I committed 50k to Tim (our CEO) but with 37 web-to-lead inquiries given to me, I was able to get 36 leads to show up to an appointment, which helped me close 21 accounts in 30 days.  I closed the month with $43,300 and was happy with results.  My key performance metrics include a 97% show ratio and 58% closing ratio. This is an average key performance metric for Tim and I, and we are now strategically working to scale it.  However before we do,  I would like to share the 11 tools for our sales success:Basic Marketing Tools for Lead Generation:Social Media: Facebook, Twitter, Instagram, Google+Context, Blogging & ContentWord-of-mouth/ReferralsEmail Newsletters & Promo CodesSEO & Blogs w/ Content MarketingPowered by Tint logo for free users  1) Olark is an effective way to talk to your customers for sales and support in real-time on your site.If the web visitor doesn’t fill out a form, they usually send a quick question with Olark’s chat box. Because we focus so much on customer happiness, our web visitor will instantly get connected to our CEO, Tim Sae Koo.  He will immediately answer sales questions or help with support inquiries. You’d be surprised at how many closed customers you can achieve by just answering a few questions when the lead/visitor is most interested with your product. If he isn’t around, the inquiry will go straight to sales@tintup.com which our sales team can immediately answer.  9 times out of 10, Tim and I are able set appointments through Olark. If more than 12 hours pass and we still haven’t responded to an inquiry, then the lead loses interest. Time kills deals and Olark is a great solution to nurture your leads, in real time, and let them know that they are very important.2) Hubspot is an inbound marketing software platform that helps companies attract visitors, convert leads, and close customers.When a visitor/lead visits www.tintup.com, we use Hubspot to create forms and CTAs that track, score and nurtures leads.  Hubspot has tons of features that we weren’t able to use because we only signed up for a 30 day free trial. But for the most part, we used their a/b testing landing pages, CTA, and Signals.  Signals is Hubspot’s real-time notifications that tell you when and how to follow up with your leads and customers.  The 30 day trial did generate an additional $30k for Tint though!  Although, the results are great, we are eager to learn more about other similar softwares like Pardot, Kissmetrics, and Marketo. 3) Mailchimp is an easy and effective way to send better email newsletters to your customers.Since we never use our blog to advertise ourselves or announce new features (because we believe our readers want to learn more than hear our news), we use Mailchimp to send out our new feature releases, promotions, and our blog posts we write. It’s super easy to import your email lists, set up a template for your email campaign, and time your send outs by bulk or time zone. The email newsletters we send out is a great way to ensure that our customers know we are still working hard for them and communicating with them in mass what we’re up to. We will also segment lists by what plans our customers are so we can send out targeted promotions to them or get them back onto our site to see new developments we’ve released.Sales Tools – Lead Opportunity Stages:Vetting & QualifyingSetting the AppointmentFollowing Up or Closing CallVerbal AgreementClosed WonClosed LostDo not call list4) Rapportive is a Gmail plugin to vet who you’re communicating with and if they are a decision maker you need to close.Ever wonder when a lead comes in if they are just a random person in a company doing research or an actual decision maker? Rapportive is your key to determining who you’re speaking with and the kind of actions you need to take. It’s all super easy to find out as well. After installation, all you need to do is hover over the email address that emailed you and the sidebar of your Gmail will show you the full name, location, title, and social networks from the person you’re speaking with. With that information, you can change your tone/urge to set up a demo to close a deal quicker.5) Boomerang is a Gmail plugin to manage your email responses and remind you when to answer.When I open my gmail, I would typically have around 50 unread messages ranging from inquiries to leads belonging in all of the above ‘opportunity stages.’  My inbox can get overwhelming rather quickly and that is why I use multiple tools to nurture leads.  It took awhile for me to get used to Boomerang because I’m such a Salesforce advocate but as soon as I applied the tool, I was able to cut down my workload by 2 ½ hours.  At my last job, I was conditioned to log all my notes/emails to salesforce and create events, and tasks to remind me who to follow up and which leads need attention – these tedious steps would add 1-2 minutes/lead to my 60-100 lead/day routine.With Boomerang, I can efficiently work all my stages. Whether it’s to set an appointment, to send a summary & proposal, to follow up with a lead, or to set an automatic reminder… it is easy to set up with only 2-3 clicks all within my Gmail. Imagine what you would have to do if 7 clients all asked to follow up with them after 1 week during different parts of the week…I now have a tool that I can set emails to remind me to answer back in 2 days, or 12pm on Thursday afternoon; no more guessing games and no more leads falling through the cracks. 6) Cirrus Insight helps you keep Salesforce in sync with Gmail, Google Calendar, and Google Contacts.When a lead completes a form on our website or emails us directly, we create an account on Cirrus Insight and convert the lead into an ‘opportunity.’ I use this add-on as much as I use Gmail. It made Salesforce easy to teach and keep up with.  I no longer have to copy and paste everything into salesforce; I can simply ‘log a call’ through ‘activities’, set an appointment through ‘event’ and respond to emails using Salesforce templates through the ‘quick send and add’ plugin.  I’ve watched Tim receive 50 emails (support & inquiry) and respond to all 50, log complete notes on sfdc and get tons of confirmed appointments before he goes to lunch at noon.  The best part about this plugin is its ability to sync your google calendar and Salesforce calendar every 30 minutes.7) Yesware is an email productivity service for salespeople.If Boomerang and Cirrus insight had a child, it would be Yesware.  I just installed Yesware this month and it has similar features like email management, and SFDC/Gmail synchronization.  What I really like about Yesware is being able to send emails at later time.  For instance Fridays are the worst follow up days because everyone is getting ready for the weekend.  However, I also have a lot of time on Friday and so I’ll write my follow up emails and schedule them to be delivered on Monday at 8:30am, which will help me get seen first thing in the morning.  Another feature I like about Yesware is there templates.  Once my templates are setup, it takes 2 clicks to load them and send.  With Cirrus Insight, I will need to click on the icon, then choose the template folder, then choose a template, then look for a contact, then look for an account and send.  Yesware saves me another 2-3 minutes which I can substitute for my tea break.8) Salesforce is best known for it’s customer relationship management product.Salesforce help me keep track of all my leads, where they are in the decision making process, and help me generate reports on performance metrics. Salesforce is important because it will streamline all the information gathered about an account and a lead from beginning to end.  If a lead has support issues, or unpaid balances, your marketing, sales, operations and account management teams should be able to get the full story just by looking at the Salesforce notes.  If an account manager has to ask for more details from your salesperson about a client, this means notes are incomplete.  Incomplete notes will create inefficiencies, miscommunication, wasted time and ultimately, money lost.Salesforce will also give management valuable insights to the type of employees in your company.  It will help you find and gauge the A players from the B players.  Most importantly if your data is clean, Salesforce will help you streamline, track retention rates, churns, lifetime value of a client and projections.My Salesforce calendar is synchronized with Cirrus Insight, which is connected to my Google Calendar. I also have my Gcal set up with text notifications to give me real time reminders on appointments.  Salesforce help me nurture my pipeline and it help me forecast my numbers.  A lot of the tools I’m suggesting can actually be customized through Salesforce however I found that the more apps you need within salesforce, the more fees are added.  Also, my eyes don’t get burnt out looking at the same page all day and I appreciate the emotive variety of each tool. 9) Join.me, GoToMeeting or Skype – VOIP Conference Calls & Screen-sharingOnce I set an appointment, my go to screen sharing app is Free Screen Sharing and Online Meetings because it is easy to send and pretty to look at.  My prospect doesn’t need to download a file like Skype or GoToMeeting, which is time consuming.  They only need to take 3 steps:Click on the Free Screen Sharing and Online Meetings linkClick on the phone icon to connect via internetConnect a headsetSome client’s prefer GoToMeeting or Skype.  I don’t like GoToMeeting because it feels archaic, it’s interface is bulky and sending an invite takes too much time.  I don’t like Skype because I have to send an invite or wait for an invite to get connected which is inefficient. While Skype can’t do conference calls for free and half my calls are conference calls.  Both these tools require an installation and a signup. 10) Stripe is a company that provides a way for individuals and businesses to accept payments over the Internet.Once a demo is complete, we expect to close the business within 1-14 days.  I can use Stripe to create promo codes and track real time revenue. Not to mention managing (full or partial) refunds, recurring subscriptions, and custom payments. Tint also uses Stripe for self-service signups located on our pricing page: www.tintup.com/pricing.  The Plus and Pro signups go through our stripe account.  Our self serve page generates about more than half of our revenue every month.11) Zapier enables you to automate tasks between other online services (services like Salesforce, Basecamp, Gmail, Mailchimp, Olark, Hubspot and Stripe).I use this tool to synchronize Stripe with Salesforce so our self serve clients are also in our Salesforce database to keep track of all our customers. Zapier has  hundreds of other recipes you can create that will make your life easier and save you time from connecting apps together (like send all Gmail emails into Evernote automatically). We always strive for clean data because they tell the best stories.  We would love some suggestions or successful tools to help us consolidate and maintain clean data. Account Management Tools & Circling back to Lead Generation:Orientation CallHappy Client ProgramTint Support & Best PracticesSave Calls, Credit, Collection & InvoicingCase Studies, UpsellsWorking with brand advocates12) Ballpark for invoicing and referral programs.I typically use Ballpark to send invoices and accept payments.  However, they also have referral programs that I think we should definately use and they released a feature with Stripe for credit card payments.  It seems like they have tons of features that I have not used yet and so I will be downloading the Ballpark app to take advantage of all these awesome features.13) Trello is a collaboration tool that organizes your projects into boards. In one glance, Trello tells you what’s being worked on, who’s working on what, and where something is in a process.Trello is our drawing board, our to-do list; the board that keeps us accountable and innovative.  Everyday we talk about urgent challenges, tasks we completed, and what we are working on.  We are constantly looking for ways to improve, to strengthen our culture and our product.  Trello helps us stay true to one of our core philosophy, “Transparency is key.”  We are able to see what project each person is in charge of and what they have accomplished.  We are able to work together closely and give feedback to improve on our methods, which I find incredibly valuable for a startup company. This is where you can put sales goals on individual cards so your team knows what you are aiming for and can give you feedback on your steps. You can read more here on how we organize our Trello.14) Intercom is your best friend for account management and talking with customers.Tint uses intercom for “Churn, Retention and Re-Engaging Customers.”  One of our current challenges is to increase our monthly recurring revenue.  And to reduce our churn, we want to make sure we talk with our customers so they know we’re here to help and are up to date with new features, blog posts, etc. Intercom makes this SUPER easy by allowing us to communicate with our customers when they are in the Tint app. This is smart because this is when they are focused on our app and willing to chat with us. We are still learning to use Intercom effectively to create strong relationships with visitors and customers alike through automated messaging to scale our touchpoint communications.Read more at our blog post here: http://www.tintup.com/blog/14-sales-tools-tint-used-to-signNow-1m-revenue-in-1-year/

This can help you tell if you have remembered what you just studied. Don't try to remember the exact wording from your notes in your answer to yourself; synthesizing that information into an answer is a much more useful tactic.It can also help to say the answers to your questions out loud, as if you were trying to explain it to someone else.Review previous tests and assignments. If you missed questions on previous work, look up the answers and understand why you missed these questions. This is particularly helpful if the exam you're studying for is cumulative or comprehensive, meaning it covers things you also covered earlier in the course.Start as early as possible. Don't cram. Cramming the night before is proven to be ineffective, because you're taking in so much information at once that it's impossible to memorize it at all — in fact, you'll hardly retain anything. Studying before and going over it multiple times really is the best way to learn the material.This is especially true with things like history and theoretical subjects.Always study when you have the chance, even if it is only for 15 or 20 minutes.These short study periods add up fast!Study in chunks of 25 minutes using the Pomodoro Technique. After that make a break of 5 minutes; repeat the process 3x, then make a longer pause of 30-45 minutes.Study for your learning style. If you're a visual learner, using pictures can help. Auditory learners should record themselves saying notes and recite it afterwards. If you are a physical person, lecture to yourself (out loud) while also using your hands or moving around; this way it will be easier for you to memorize.Adjust your study techniques to fit your subject. Subjects such as mathematics require a lot of practice with problem sets in order to become familiar with the processes required. Subjects in the humanities, such as history or literature, may require more information synthesis and memorization of things such as terms or dates.Whatever you do, don't just re-read the same set of notes over and over again. In order to actually learn, you need to take an active role in knowledge creation as well as information review. Try finding the "big picture" among what you've taken down or reorganizing your notes by theme or date.Think of your teacher. Ask yourself: What is my teacher most likely to ask on the exam? What materials should I focus on to give myself the best chance of knowing what I need to know? What trick questions or wrinkles could my teacher introduce that might throw me for a loop? This may help you focus on the most important information, rather than getting stuck on things that might not matter as much.

Everybody can apply for a new Indian passport online by following these easy steps.Apply for a new Indian Passport onlineThe Indian passport is a travel document issued by the government which certifies the identity of its holder primarily for the purpose of international travel. You need a passport to enter and exit the country you wish to travel. A Traveler must have a valid passport with him/her if he wants to travel anywhere on the globe.If you want to travel to any country, then you must have an Indian passport. Governments all around the globe accept passports for travel purposes. If you do not possess a passport, then you should follow the following steps for Indian passport online application. Check: Visa free countries for IndiansSteps to apply for a new Indian passportYou must follow these four steps to apply for a new Indian passport:STEP 1- Indian Passport Online ApplicationThe first step that leads to the making of a new passport is an Indian Passport online application. You need to apply online for making of your passport. For this:You have to register yourself on the passport Seva website.After you have registered, log in to your account.Now you can see there is an option to apply. It must be of two types, a fresh passport or re-issue passport.You can fill the form both, online or offline.It is referred to fill your Indian passport form online on your own.The system will ask you various details like your personal details, family details, residential address, contact number (that must be working), etc.Proofread your form. Please make sure to check each and every detail twice or thrice to avoid any problem.You will be asked to upload some documents, which is not obligatory at all. After you have filled the details, you can pay the fee.Now you can schedule your appointment.If required, you can reschedule the appointment. You are not asked to pay any extra charges for this.STEP 2- Visiting PSKPSK is short for Passport Seva Kendra. It is a place where the fresh application of the applicants is processed for an Indian Passport.Make sure to visit the PSK at the mentioned time.You have to show your appointment message(SMS) at the entrance. You can also show the printed payment receipt.The basic requirements to show are the certificates of 11th and 12th standard or Aadhar card.In most cases, only these two documents are checked. In case there is an exception, other documents are also checked.On entering the PSK, you have to show your SMS at the reception.Then, they ask you for a self-attested photocopy of above-mentioned documents.They will give you a token number.Now, you have to follow the counters A->B->C. (In one of the Indian cities, token numbers were displayed on LCD screens with the counter numbers on which the applicants were supposed to go)Counters descriptionAt counter A, the attendant will scan the Xerox copies of your documents after comparing it with originals. Then, he will take a photograph of you and check your record of biometric details. The person will ask you whether you want to opt for SMS alerts or buy protective cases. You have to pay in cash for these services.At counter B, token numbers are again displayed on LCD screens. The documents uploaded by counter A are cross-checked here.At counter C, the same procedure is repeated as done on counter B.STEP 3-Police VerificationPolice verification is the third step to Indian passport making.After being done with formalities at PSK, you will get a notification that your form has been shared with the police station you mentioned and they are soon going to be in touch with you.Then, you will get a call from the police station and you will have to visit the police station will all the required documents (Electricity bills, aadhar card, index-2)The police officer will ask you some basic questions like what is your name? where do you live? What do you study and in which institute? where do you stay? Since when are you staying there? What does your father do? Do you have any police case against you? Have you broken any traffic rules?Then he will take a photograph of you and your signature.Next day, you will receive a call from the police commissioner’s office asking whether the police station you visited co-operated with you for the passport verification process. SMS alerts will be received regarding your Indian passport status from time to time.STEP 4- DispatchThe local police station verifies your details for Indian Passport.It is then sent to the commissioner’s office.The commissioner’s office forwards it to the ministry.After this process, your passport is ready to get printed.You will get your passport within 15 days.Note: You will be informed by your Indian passport status by SMS alerts. Make sure that somebody is present at your mentioned address when your Indian passport is to be delivered. If nobody is present, you may have to again face a hectic process to retrieve your passport.Documents required for a new Indian PassportProof for date of birth certificate and citizenship.An HR certificate on the letterhead, or a Bonafide Documentation from the School/College.Electricity bill, Gas connection bill, Telephone bill or Water bill in your name with a valid residential address.Bank account statement and a Voter ID card.Points you should remember while filling-up the Indian Passport FormFew things that must be taken into consideration while filling up the registration form (Indian Passport form) are as follows:• Always use block(capital) letters and leave a blank box between two words.• Fill the form carefully.Thailand Visa On Arrival for IndiansRenewal of Indian PassportWhen anybody wants the renewal of Indian passport, he/she can do it very easily due to online service. This facility is very useful for Indian expats. Anyways you can complete this task by following these steps.1. Register Yourself Online at the Passport Seva WebsiteRegister yourself with the Passport Seva Website for the renewal of Indian passport. You can do this by going to the website and clicking “New User Register”. When you register you will have to:Select the passport office that is connected to your present residential address.Enter your name, date of birth, email, login ID and password.Activate your account using the email they sent you so that you can access your account.After logging in, you will see an option in the menu: “Apply for Fresh Passport/Re-issue of Passport”. Click on this link and you will proceed to fill out the application.2. Fill out Your Online ApplicationFilling out your application is the primary part of your passport re-issuing and renewal process. You will see two options to fill out the application form and they will be presented as two alternatives. These alternatives are:Option 1 will put your application in a PDF form so that it can be downloaded and filled offline.Option 2 will put your details directly into the form you are using.It is recommended to choose the first option with the PDF form because you might not have some of the details of the form available to you at the time.If you are using the PDF form option, you will need to enter the city you are in and then click Validate and Save. You will then have to save your file as an XML file.The information you need includesCurrent residential addressInformation of your Spouse as requested by the documentTwo references including their full names, addresses, and phone numbers3. Get Ready for Your Indian Passport Renewal AppointmentSubmit the Indian passport renewal form and click the option on the left that says: “View Saved / Submitted Applications”.Select your application by clicking on the radio button.Click on “Pay and Schedule Appointment.”Select your time slot. Set your appointment and you will then be directed to the payment page where you can select which source you want to use to pay for the application.4. Requirements for Indian Passport RenewalIn the home page where Document Advisor for renewal / re-issue is listed; you will find some options listed for you.Click the respective option that is similar to your case and the documents you need will be enlisted. Here are the documents:An online form that you printed out.Original expired passport.Proof of address.The utility bills.Ration Card with a residential addressBank Statement and the passbook of a bank account with the address on it.Aadhar card(If your address is changed, you will also need a copy of the first, last and ECNR page of your passport that will require the self-attestation. You must provide proof of the change in address.)If you want to change any details of spouse’s information, the original marriage certificate and its photocopy signed by you will be required.Post for you: Check Iqama validityNew rules for Indian passport renewal in UAEThe online application is mandatory to seek passport services for Indian missions. Expats seeking for Indian passport renewal in UAE will have to submit their applications online before visiting any application processing centers.The online application was made mandatory for Indians living in Dubai and other five emirates under the influence of the consulate from the start of April 2019.The applications for passport services have to be submitted on the portal of Passport Seva at Indian Embassies and Consulates at the website: https://embassy.passportindia.go...The assimilation of the Passport Seva Project in India with the passport service system in UAE is an initial step towards issuing chip-based electronic passports. This project is meant to eliminate paperwork and cut down the time for issuing passports. The diplomats said that the integration was completed with the support of a technical team that came over from India to accompany the UAE team.And yet there was no public announcement, the consulate has posted the new rules for mandatory online application for Indian passport applicants on its website. BLS website has also listed the new procedure for passport application.The emissaries made it clear that the physical appearance of the applicants is still required at the centers of BLS International.The applicants have to go to the BLS centers with a printed copy of the application form submitted online and the other original documents that are required for verification.Applications are also required to be signed before their submission to the submission officer at BLS.What is BLS?BLS International Services Ltd. is an exclusive reliable partner to The Embassy of India / Consulate General of India, UAE which copes the Administrative Function of the Visa and Passport Applications process of Indian nationals.BLS website provides you with the up-to-date information of the application procedures involved in making an application for an Indian Visa and Indian Passport from UAE.All potential applicants are requested to go through the Guidelines for the various sorts of Visa, photograph specification, mandatory documents required for making a visa application and the fee structure for each type of visa prior to preparing the application for online submission. The Embassy of India has the sole and absolute decision to either Accept or Refuse your application. BLS International has no engrossment in the decision-making process of The Embassy of India, Abu Dhabi /Consulate General of India, Dubai.ADVANTAGESWith the applicants being able to fill the forms online, they can now avoid paying the service fee of Dh30 at BLS, it saves your time and money.However, the BLS centers will continue to provide the service for applicants if they are unable to do it by themselves for any reason provided.This new process has been implemented in the US, UK, and Oman.This will help the missions here to cut down the passport issuance timing from the present-day five days to two to three days.The online project is said to be a pioneer in issuing chip-based electronic passports.Recently, The Prime Minister of India Narendra Modi said that work was in progress to issue chip-based e-passports to Indian citizens under a centralized passport system.Steps for Indian passport renewal in UAEExpats can follow these simple steps for Indian passport renewal in UAE.1. Visit this website: https://embassy.passportindia.go... – the portal for “Passport Seva at Indian Embassies and Consulates.”2. Select the country that says: United Arab Emirates.3. Do single time registration by clicking the link ‘Register’. Now create a user ID.4. Log in by using the newly created user ID. It will take the applicant to his/her Home Page.5. Click on writing that states: “Apply for Ordinary Passport/Emergency Certificate/Police Clearance Certificate/Surrender of Indian Passport/Diplomatic Passport/Official Passport” to file a new passport application.6. Fill in the application form and submit it by clicking the submit button.7. After submitting the online form, take a print out of the application and keep it.8. Affix a photo at the designated place on the form9. Submit the printout along with required documents and prescribed fee at the nearest BLS Centre you visit.10. The application has to be signed before the submission to the officer at BLS.

There is no one property management system that is ideal for every use case. It depends on who you are and what you are looking for in the system.For residential property managers:If you are a professional property manager and have full service clients, then I have found the best softwares are Yardi and Appfolio. Yardi is a bit more of a “legacy” system — robust but not as fresh as Appfolio, promoting a great UI/UX (user interface and user experience). If you are a property manager and do not use software, then IMO - you are failing at your business. Software will reduce your overhead costs and help mitigate risks of forgetting lease renewals, late fees, etc.. The cost and time related to the setup can be gruesome, but it is well worth it in the end. You’ll be able to take on more clients and provide them with a much better experience.For residential property owners:The majority of owners across the US (80%) self manage their properties. Most of them do not use software, because it is a relatively new concept for them. From a systems perspective, it will depend on what you are looking to accomplish with your real estate goals.Here is an article that all owners should read to understand what kind of management system they want (passive or involved) and what type of solutions cater to their needs.