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The logical route for most small businesses that are operating on tight budgets is to start with free SaaS software. There are many out there but you will find that they are limited in features and capabilities. You may want to have a mix of free tools and set aside a reasonable investment for paid solutions since there are lots of affordably priced, SMB-friendly SaaS software offerings in the market. Here’s a great resource on SaaS tools for small business you may want to check out.The following are my suggestions of software categories and the respective products that are most useful in y...

A personal loan is an unsecured advance offered by both banks and NBFCs to any eligible individual. Personal Loans for Salaried class include people working in private or government enterprises and does Salaried Doctors working in health institutions, CAs working in companies, employees of Public listed and Private limited companies , MNCs, SMEs and Government Sector employees including public sector undertakings. Each bank has separate minimum criteria for income, age, employment type, credit score, job status, etc. You will need to meet these criteria in order to qualify for a personal loan.Personal Loan Eligibility1. Minimum and Maximum AgeThe minimum age for getting a loan is 21 Years whereas the maximum is 60 Years.2. Net Monthly IncomeFor salaried individuals, timely and regular salary credit is important to get eligible for loan. Min. Rs. 20,0003. Employment TypeSalaried customers have more choices for personal loan banks. Interest rates are typically in the range of 10.99% to 33.00% per annumPersonal loans to self-employed professionals and businessmen are classified as Business Loan4. Minimum Work Experience2 years of total work experience. Some banks also give loans with 1 year of total experience. Tenure from the current company should not be less than 6 – 12 months5. CIBIL Score for Personal LoanThe CIBIL Score for a Personal Loan should be more than650 & more credit history. The more the Credit Score the more chance for getting a LoanDocumentation RequiredDuly-filled and signed application form2 passport-size photographsCheque – Processing feeProof of Identity – Voter ID/ Passport Copy/ Driving License / PAN Card (any one)Address – Passport Copy/ Utility Bill (Electricity, Water)/ Rental Agreement/ Ration Card (any one)Income (depending on type of employment) – Latest Salary Slips (3 months) / Bank Statements (3 – 6 months) / Passbook (3 – 6 months)/ Current Salary Certificate (any one)Tax paid – Latest Form 16/ Income Tax ReturnKYC Documents – Address Proof, proof of Date of Birth, Identity Proof.How Income determines your Eligibility?Monthly Income to get personal loan should be at least Rs. 25,000. However, some banks give loans to individuals with salary less than Rs. 25,000. Banks also follow different limit to calculate the ratio of fixed obligations to monthly income.Suppose, your income is Rs. 25,000, then bank calculates your eligibility such that fixed obligations do not exceed 50% of your income. However, if your income is more than Rs. 35,000 per month, then banks will allow higher fixed obligations to income ratio of 65%, which means that your fixed expenses (including rent and other EMIs) can be up to 65% of your income to be eligible for a loan from a bank. Higher the income, better are the chances to get high loan amount.How to improve your eligibility for personal loan?You can improve your eligibility for personal loan by doing following things:To increase your eligibility, pay off your running debts firstPay your EMIs or other obligations on time to improve credit history and to negotiate with banks in future to get high loan amountTransfer your existing loans to lower rate to reduce your existing EMI and to get new loan of higher amount.FundsTiger can arrange loans from all the banks we can help you to get all types of loans and also balance transfers on existing loans and can also help you to giving free credit consultation.

Leads and prospects.  More often, these two terms are being used interchangeably, but there’s a slight difference between the two.A lead is usually a person who just entered your marketing funnel. He may have filled out your online form. Or signed up to your program. Or clicked on your ad.A lead’s engagement is usually minimal. They just showed interest, but they aren’t that invested in your product or service yet.A prospect, on the other hand, is a person who has been exhibiting interest or showing ability to make a purchase. A prospect has been qualified by your sales team or your segmentation process.A prospect shows desire to avail of your service or product. If you’re a SaaS, he or she has been using your tool quite often and has been hitting paywalls. He may even checked out the plans page. If you have an eCommerce business, a prospect is someone who has something in his shopping cart. He’s close to making a purchase, he just needs a little nudge.Simply put, a prospect is a qualified lead.That’s just it really.   Leads may need more nurturing from your team in order to become a prospect. They’re still a little early on their customer journey.Since prospects are further down the sales funnel compared to a lead, your sales team are better off focusing on prospects rather than leads. A little nudge and they will most likely buy.You will close more deals this way.To learn more about leads, prospects, and selling, you can read this: The Definitive Guide to Sales Process Creation

Personally? I have two.I used to work for a Home Depot store. I sold lumber and building materials, which means insulation, drywall, roofing, fencing, ladders and masonry products. Quite a bit of my business was in special-order products.We sold a customer two pallets of special order shingles. We had never sold this model of shingle to anyone before. The manufacturer brought them to us on Friday and we called the customer. “My contractor will be there on Monday.”On Saturday, someone showed up in the returns line with a bundle of these shingles. “I bought these and don’t need them, so I bro...

Have you ever heard about club memberships? If No read below. If Yes, still, please read below for my experience.Few months back, I visited one of the shopping mall in Hyderabad where a Lady approached and asked me to fill a form with my phone number for a Lottery promotion they are conducting. I gave my details just with an ignorance that winning a lottery was never in my history. After two days, I received a call from them saying that I'm one of the Luckiest winners of their club completing 25 years of celebration and they asked me to visit their office in Begumpet, Hyderabad. The key point here is that they begged/requested/forced me to come with my dependent only.With a little suspicion I went to their place and inquired watchman about it. He confirmed that it's a good place and people will come here to collect the prize money (or) Gifts. Well trained. (If you want a trusted person to guard your treasury, I can recommend this watchman).We called the particular associate from whom we received the call. He accompanied us to the main building and at the reception we saw someone arguing with them. I just ignored him and moved ahead.We moved to the main hall area where there were few other couples already seated. Then, they announced that there is a small presentation session after which the gifts will distributed to the lucky lottery winners.They moved us to another room where some music from the speakers with medium sound (You can’t hear others talks) and asked us to sit. Here all the couples are separated with an agent assigned to them individually.The initial discussions are about our background, hobbies and interest about tours. Later they started discussing about their offers which is valid only for that day and with below listed benefits.-> 25%-50% discounts on International and Domestic flight journeys from their club web portal.-> Free Hotel accommodation. National/International for 7 days in a year with pickup/drop from airport/hotel.-> Access to the club where we can use Gym/Pool/Games/Function Hall usage with no additional costs.-> 1 Night/2 Day trip to Ramoji Film City.and some other what-not benefits which I didn't remember now. Beyond all, The tempting offer for anyone is 200 Sq yards Land registration on your dependent (wife) Name Near to Shamshabad Airport.The team had very good communication skills and trained well to do your brainwash and won't give you enough time to do a market research or check reviews about them.After the presentation (brain wash) session, they told us that the cost of membership is 2 Lakh rupees which shocked me a moment because till that minute I never heard about such clubs existence or membership costs.The immediate minute I said NO to them and they started convincing me and my Wife who is more tempted for Land proposal. Of-course it's on her name. In another 30 minutes, she became a weapon for them against me and started convincing me along with them.Finally I started bargaining and for which They came down to 1.6 Lacs.Now the payment drama:Me-> I told them that I do not have that much money in my hand or account as I'm an poor typical middle class software employee. I'm working in TCS during that period.They-> They said that I can pay with my credit card and if I don’t have a limit they can help me in getting a new credit card from HDFC agent and later I can convert that amount into EMI. What a solution, They locked me here. (If you want to commit suicide, HDFC will give loan to buy poison bottle).Me-> I told them I just came simply by keeping some small notes in my pocket w/o any cards.They-> They smiled at me. (Looks like they expected this statement from me and had experienced in dealing with the such priority bakra customers like me). They sent one of their agent along with POS machine to my home on his bike following mine.After we signNowed home, I swiped my ICICI credit card for 60k, signed the agreements and for remaining amount I called the HDFC agent. They didn’t given me the agreement copies because of the remaining amount neither provided enough time to read them before the payment.We went to their place around 11 AM and completed this transactions and all the stuff by around 3 PM and moved out for a little shopping and left the city for almost an week on a family trip.Once I’m back from vacation, My HDFC card is ready and I'm almost prepared to pay the remaining 1 Lac. I also got my membership cards.God helped me here. I always had this habit of registering online for everything. So, after the cards, I logged into this club portal, registered myself and moved ahead to the flights reservation section where I do not see any such options or discounts mentioned by the sales team. It is also redirected me to makemytrip website where it shouted me for the full price.This started me to check in depth about them and there are thousands of consumer complaints on them on the same way how they cheated me. I immediately called the particular sales manager and shouted on him for which he said it's my decision to trust him or the social media comments and disconnected the call. That is the moment somehow my mind reminded me that shouting person at the reception in my first visit to their place.Next attack by the Club customer care team. I was surprised by hearing that the membership can't be cancelled (which completely opposite to what sales team said) and also they said that they are not responsible for what sales team promised to customers. They have some ethics and company policies which they must and should follow. (Wah..wah.. Babu Chitti) My mistake was that I signed on the bond papers w/o read them completely and they cleverly made my wife also signed on the documents.I done some more research in the Internet and found other people who are fighting against them by joining a whatsapp Group. Also raised an dispute request to ICICI by asking them to cancel the transaction by considering my behavior and relationship with the bank. After three months fight, I won the dispute.I received the call from that Club once they realized that the money was deducted from their accounts and started saying silly excuses and asked me to trust them again by repeating the same false promises with lesser price for the new membership.That experience made me to understand that “There is No free Lunch in the world” and started avoiding such cheap offers and writing down my mobile number everywhere.I'm still using that HDFC credit card here and there for my personal expenses. It reminds me every time how fool I'm and how precautionary I should be.And finally the Club name is COUNTRY CLUB Alias COUNTRY VACATIONS.

Yes, there are many SaaS solution for creating contact forms. I personally use FormGet to create forms for my website. Moreover, FormGet is not limited only to contact forms, you can also create secure payment forms, lead-generation forms, appointment forms, feedback forms, survey forms and much more.FormGet has a user friendly interface with which you can create forms very quickly & easily. It provides 260+ free pre-built form templates to fasten your work. There are many handy features that will help you throughout the form building with FormGet.Some of these features include -Drag & Drop form builder.2. Custom Branding to endorse your brand name.3. Conditional Logic to add branching logic to your form fields.4. Using FormGet payment forms, collect one-time or recurring payments via PayPal or Stripe.5. Provides security and spamming mechanism such as reCAPTCHA.6. Embed Forms as tabbed widget, sliding form, full form & contact form.7. FormGet support multi-language translator feature.8. You can send automated emails, manage entries, export data, and have real-time conversations.9. Google analytics integration for form analytics & tracking.10. Dropbox integration to import files that get submitted to your forms by users.The features doesn’t end here, FormGet has much more advanced features to offer.Enjoy!

Marketing is not just about getting the name and e-mail address that leads to the sale. Yes, it’s a big part, but there’s more to be done after they sign on that digital line.Too many businesses fall into this trap and believe that marketing ends when money is exchanged.Big mistake. Huge.In the digital domain, the follow-up is equally—if not more—important. A typical buyer decision process includes five steps:Problem or need identifiedResearchEvaluationDecisionPost-purchase evaluationAfter we slap down the dollars (or pounds, or euros, or yen…), we usually evaluate our experience from start to finish. Did we make the right decision? Does the product actually address the need/problem? And how well did the company meet our expectations? You need to exceed the customer’s expectations. And you do that with the sales follow-up.Send a thank you note via e-mail. Check in a day or two later to see if they have any questions or issues. Establish channels of communication (e-mail list, social media, customer service phone line) and keep them open. Offer tips and tricks to enhance their purchase. Depending on your product, there may be opportunities for upselling and/or reselling.But the bottom line is that you have to stay connected and available. A bad experience, or a customer who feels abandoned or forgotten, can kill you with negative social proof. Everyone has a potential audience of millions today, what with blogs and the myriad of social networks. Bad word-of-mouth will damage your reputation, guaranteed.Consider:74% of consumers say that word-of-mouth is a key influencer in their decision process84% either completely or somewhat trust recommendations from friends, family, and colleaguesA whopping 91% of B2B buyers are influenced by word-of-mouthBut a positive word-of-mouth review? 72% say that increases their trust in a businessFollow up, follow up, follow up. Take steps to identify and fix bad experiences before someone has the chance to air their grievance on a very public forum.

How to Invest in BitcoinBitcoin (or BTC for short) is a digital currency and peer-to-peer payment system created by the pseudonymous software developer Satoshi Nakamoto. Though originally unknown to the general public, Bitcoin has recently attracted lots of attention in the financial world over the last few years.With this widespread attention, the process of investing in Bitcoin has recently become easier than ever before. However, it's important to note that Bitcoin isn't an ordinary investment (like, for instance, stock) — it's more like an extremely Buying and Selling BTCCreate a Bitcoin wallet. Today, buying and selling Bitcoin is easier for beginners than ever. As your first step, you'll want to sign up for something called a Bitcoin wallet. Like its name suggests, your wallet is a digital account that makes it fairly easy and convenient to buy, store, and sell your Bitcoin — think of it like a universal Bitcoin checking account. Unlike a checking account, however, starting a Bitcoin wallet usually takes less than a minute, can be done online, and is quite easy.Sites like Coinbase – Buy & Sell Bitcoin, Ethereum, and more with trust, http://Coinmkt.com, Blockchain Explorer | BTC | ETH | BCH and hivewallet.com - This website is for sale! - hivewallet Resources and Information. are are just a few examples of reputable, reliable and user-friendly sites for beginners to create their first wallet.Link your bank account to your wallet. Once you have a wallet, it's time to fill it with Bitcoin. Typically, to do this, you'll need to supply the financial details for a real-world bank account just like you would if you were setting up a PayPal account or signing up for another online payment service. Usually, you'll need at least your bank account number, the routing number for the account, and your full name as it appears on the account. You can almost always find these on your online banking account or on your paper checks.[2]Note that you may also be asked to provide contact information, like a phone Domain Name for sale be clear, linking your bank account to your Bitcoin wallet is not any more of a risk to your personal security than it is to shop online. Virtually all reputable Bitcoin services make a point to advertise their high standards for security and encryption. While Bitcoin services have been targeted by hackers in the past, so too have many major online retailers.[3][4]Buy BTC with money from your bank account. Once you've supplied your bank information and it's been verified by the Bitcoin service, it should be fairly easy to start purchasing BTC and adding it to your wallet. Usually, on your wallet page, there should be an option labeled "Buy Bitcoin" or something similar — clicking this should take you through a straightforward transaction process that uses money from your bank account to purchase BTC.Note that the price of Bitcoin can (and does) change from day to day — sometimes signNowly. Because Bitcoin is a relatively new form of currency, its market has yet to become stable. The current dollar-to-BTC exchange rate should be clearly listed when you buy it — as of October 2014, 1 BTC was equal to about $350.[5]Use your Bitcoin to buy from retailers that accept it. In recent years, an increasing number of businesses have begun to accept Bitcoin as a valid form of payment. Though these businesses still represent a minority, some major names have already made the transition. Below is just a short list of online vendors that accept BTC:AmazonWordpressOverstock.comBitcoin.travelVictoria's SecretSubwayZapposWhole FoodsIf you're market-savvy (or lucky), you can conceivably generate value for yourself this way by buying Bitcoin when its price is low, then purchasing goods when the value of Bitcoin is high to get a favorable deal on the goods. You can then sell these goods to make a profit or simply keep them.Sell your Bitcoin to another user. Unfortunately, selling Bitcoin isn't quite as easy as buying it. There is no easy way to "cash out" your Bitcoins and receive money in your bank account — instead, you'll have to find a buyer who's willing to pay for them with money (or good/services). In general, one of the easiest ways to do this is to sign up with an online Bitcoin marketplace. Once you find a buyer, you will complete the transaction through the website but will otherwise deal directly with him or her. To use this method, you'll usually have to register a seller account and verify your identity in a process separate from the one used to create your http://wallet.In the US, CoinCola, CoinBase and LocalBitcoins are three websites that offer this sort of selling service. In the UK, BitBargain and Bittylicious are two reputable http://options.In addition, some sites like Purse allow sellers to give Bitcoin to buyers who then use their own money to purchase goods online and send them to the seller — in essence, this is a roundabout way of using Bitcoin to buy from vendors that do not accept the currency.[6]Alternatively, sell your Bitcoin on an exchange. Another option for sellers is to use a Bitcoin exchange. These sites work by pairing sellers with prospective buyers. Once a seller is found, the website acts as a sort of intermediary or escrow service, holding the money until both parties are verified and the transaction is completed. Usually, there is a minor fee associated with this service. Selling with this method is not usually an instantaneous process. In some cases, users have even complained that exchange services can take an inordinate amount of time to complete transactions compared to other options.[7]Reputable, well-known exchanges include Circle, Kraken, and http://Virtex.In addition, some exchange sites like Binance, Bittrex, Bitfinex and Bitcoinshop allow you to trade Bitcoin for other digital currencies (like Dogecoin, Ethereum, Litecoin and Monero).AdvertisementAll of the above may make you some more money but it is not guaranteed as your profit depends on the inflow in the market and in depth knowledge on how to trade in bitcoin. But I have got good news for you, you can make a double on your ROI if you invest with professional investors, miners and traders on AlphaInvestment. AlphaInvestment is a private platform where you get to invest your cryptocurrency of choice and get a double on your ROI within a week.HOW IT WORKSWhat we do at AlphaInvestment, with the help of our technology, is manage your money. This is where our technology comes to play. We help you avoid cash drag by reinvesting the dividends your initial investment will make after we have carried out the rebalancing of your portfolio.By putting the ideal investments in the ideal types of accounts, this is possible. When the time comes to sell the portion of your portfolio (after 7 days), we will will help you sell the holdings in a tax-efficient way. Thanks to the help of our cutting-edge technology, by doing this, you will yield double the amount of the cryptocurrency you invested while simultaneously getting rid of the burden of tax on the part of investors.What this means is within 7days, we accomplish things that most people can't find time to do, deeming them too tedious and time consuming. Things like automatic rebalancing and dividend re-investing services, all without an additional tax fee.In addition to this, we also sell Bitcoin, Ethereum, Litecoin and Bitcoin cash by changing them in the local currency at a high price before proceeding to buy them back at a much lower cost using other exchanges.It is our aim to help our investors construct a sustainable and enjoyable future.This is why we deliver investment services that are superior to others - because it is our commitment to enrich our investors. We believe that staying stagnant will lead you nowhere and this is why strive to always challenge the conventional wisdom and embrace change so as to facilitate growth.At AlphaInvestment, we believe we and our investors are together, one firm and this is why we take it as our priority to include them in our business, putting them at the heart of it even, and developing and maintaining long-standing relationships built on trust. Having this in mind, we have put together a fine team of advisers who are available 24/7 as at when needed to help our investors plan their financial milestones and answer whatever question they might have such as the potential risks in the world of cryptocurrency.OUR MISSIONWe are a team on various missions and we will never stop working till we accomplish every single of them. Some of these missions include:To provide smarter financial services to all our investors irrespective of age, gender and what not.To provide topnotch management of cryptocurrency investments minus the account minimums and high fees very well common with conventional investment.These are some of our missions and we believe that with your help, we can achieve them all. We have set the ball rolling by making sure we invest your money in a portfolio modeled after the Nobel Prize-winning research utilised by the world's most successful investors.OUR VISIONAt AlphaInvestment , our overall intention is to deliver impressive results for our shareholders and investors. We know we can't do this without having a vision of what we want to be. That said, our vision, purpose, and principles are stated below.Vision: To be the world's most trusted investment partner when it comes to the deliverance of the highest possible ROIPurpose: To assist people in harnessing the surplus potential in the cryptocurrency market and help them successfully achieve their financial goals.Principles: These, also known as our 'corporate values' include teamwork, ambition, challenge, quality, and most importantly, integrity.