Advancements in technology have compelled various businesses across the world to implement tech savvy strategies and policies that promote their operations and boost customer service delivery to increase Return on Investment. One of such technologies is Customer Relationship Management (CRM) systems. Here are some of the characteristics and features of a good CRM a system that can help your business.
Every techy savvy business has various technologies that enable it to be efficient in marketing and delivering products or services to its target market. Therefore, the CRM system that you choose should give you room for integrating it with these technologies so as to avoid investing a lot of time upfront in collaborating various operations in the business. You can put your system into operation right from the bat by integrating it with other technologies such as Big Data solutions, social media networks, and Point of Sale systems, instead of wasting a lot of time copying data and loading it into your system.
Ease of use
A CRM system can only benefit your business and improve lead generation if your employees know how to navigate through its various tools. The CRM you invest in should have a spontaneous interface, reliable customer support, and ample documentation features. The whole point of investing in a CRM system is to avoid downtime and increase efficiency. Therefore, it’s prudent to buy a CRM system that isn’t too complex or one that can take a lot of time to learn. Your employees should be able to learn and start using the system without wasting too much time.
Purchasing a CRM system from a reputable vendor is a sign that your business is expanding and upgrading. The award-winning CRM software vendor, Salesforce, (https://www.salesforce.com/crm/comparison/ has unmatchable features with the potential of meeting various company’s needs without investing in extra hardware or software. A credible CRM system should adapt to a wide range of platforms by using different modules and features.
Improve customer satisfaction
A CRM can only be beneficial to your business if it can impact positively on customer satisfaction and boost customer relationships. It should be more than just an address book by giving your employees accessibility to comprehensive customer information. The CRM should give you the data necessary to answer customers’ concerns by delivering relevant services. It will not only improve the professionalism bit of your brand but also increase overall revenue.
Easy reporting and overviews
Watching your business grow and expand is a key part of planning for the future. A good CRM system should enable you to collect customer and employee activities and utilize the gathered and analyzed data for the benefit of the business. That is why it’s vital that you purchase a CRM system that has reliable reporting and tracking features.
Since most CRM systems offer risk and payment-free plans, you shouldn’t worry so much about the initial price of investing in the CRM solution. Furthermore, you can upgrade your package if you feel it’s good for your business.
Your credit score recently took a hit due to a financial emergency. And now, you’re on a mission to build it back up to qualify for that new home or car you’ve been dreaming of. Or you want a peace of mind knowing that your credit score isn’t in the trenches. Should you use a personal loan to improve your credit score?
Read on to learn why it may be worthwhile:
How personal loans improve credit scores
Five components are used to compute your FICO score:
Let’s take a closer look at which categories can be affected if you take out a personal loan.
Making timely payments is the most significant component of your credit score. It accounts for 35 percent of the equation. In fact, a single missed payment can tank your score by up to 100 points. But taking out a personal loan and paying on time each month will show creditors that you’ve turned a new leaf. Plus, your credit score will benefit from the positive payments.
Quick note: It’s also important to get current stay current on existing desk for this strategy to work.
Length of credit history
What if you’re a credit newbie with a few late payments on a small credit card? Your credit score is suffering because the only payment history you have is negative. And you haven’t been in the credit world long enough to establish an extended track record. But personal loans usually have terms of at least one year while some go up to three or even five. This gives you an ample amount of time to build positive credit history.
The types of credit you have also plays a role in your credit score. Lenders want to know that you have experience managing revolving and installment debt. So, if you only have a few credit cards, a lender may hesitate to lend you money for a car loan or any other type of installment loan. But by taking out a small personal loan and managing it responsibly, you’ll improve your credit mix and credibility with prospective lenders.
Do you know what’s in your credit report?
You know your credit is in shambles because you’ve been denied credit more times than you like to admit. But have you taken the time to look at your credit report?
By analyzing the contents of your credit report, you’ll be able to identify problem areas so you’ll know what to focus on first. Perhaps you’ve made all your payments on time but all your credit cards are maxed out. Or maybe you hit a rough financial patch and couldn’t keep up with your monthly obligations. It’s also possible that you have limited credit history. Or you’ve applied for far too many loans or credit cards in a short span.
Regardless of why your score is low, knowing where to start in your journey to rebuilding will minimize headaches and give you direction. It’s also important to pull your credit report since it may contain errors.
To access your official credit report, visit annualcreditreport.com. You can retrieve a copy from each of the three credit bureaus free of charge on an annual basis. It’ll cost you to see your score or you can sign up for a free trial through one of the credit bureaus websites. But your focus should be on your what’s in your report since it determines your score.
Helpful tips and tricks
Consider a credit builder loan
Credit builder loans typically range from 200 to $500 and are designed for those with less than perfect credit. They are offered by select credit unions and community banks and come in the following forms:
Keep the amount borrowed to a minimum
Biting off more than you can chew will place you into even more of a financial bind. Not only will you struggle to keep up with the payments, but your credit score could sustain even more damage if the account becomes 30 days past due and the delinquent status is reported to the credit bureaus.
Use the loan proceeds wisely
The goal is to build credit, not use the funds to go on a spending spree or lavish vacation. Consider paying down debt that is costing you a fortune in interest. If you don’t have credit cards, you can use the proceeds to reduce student loan or other installment loan balances. In essence, you’ll be using one loan to pay off another, but your score will benefit.
Focus on other ways to improve your credit score
You shouldn’t expect a personal loan to be the answer to your credit troubles. It’s a great rebuilding tool but coupled with other techniques, your score will increase quicker. They include:
Explore your options
Don’t settle for the first offer that comes your way. Shop around to see what other loans for bad credit are out there. Expect to pay a higher interest rate because your credit score makes you a bit riskier. But a lower interest rate could save you hundreds, if not thousands of dollars.
Most importantly, read the fine print to learn more about the terms and conditions of the loan. Pay special attention to the payment period, interest and fees. That way, you’ll avoid any surprises later on down the line.
The holidays are here and family get-togethers are too. Why would you ignore cleaning your home, fixing that leaky faucet, or trimming those bushes?! We all know how judgemental those traveling in-laws are, so let’s deal with some of these problems before they badger you to take care of it! Great Pros allows you to connect with background checked, licensed, and bonded home service providers for a fraction of the cost you’ll find with someone on Google!
Not only are the price quotes and consultations completely FREE, but verified professionals are running holiday deals in all major categories for up to 50% off! Because Great Pros is headquartered in Phoenix, Arizona, anyone in the scorching valley of the sun can expect to see the most benefit and best deals.
Here’s how it works: Answer a few questions specific to what you need, and a maximum of 5 professionals will respond who are ready to help! Stop sorting through review sites and struggling to find quality workers. Great Pros has taken your service provider search to the next step with the most talented, highest quality contractors for incredible prices. Let them make your job easier and ultimately save time and money on any of your home needs.
Keep in mind, deals and pricing can change at any time! Access Great Pros today for the hottest and most up to date deals! If you’re a homeowner, this is the time of year to be taking advantage of a service like this. What are you waiting for?! Use Great Pros now!
If you’re keeping things tight then the last thing that you are likely to be thinking about is gambling in any form. At the same time, casino games can be one of the cheapest ways to keep yourself entertained, costing no more than the power it takes to turn on your computer – or even your phone or tablet. If only there was a way to put them both together and play the most exciting casino games without spending anything at all…
Well, actually there is. Many people will think of casinos, online or otherwise, as places that prioritise making as much money as possible while giving as little as possible away, but the truth is that you won’t even need to visit a casino if you are looking to play slots, blackjack, roulette and just about anything else imaginable online. You can have all of the thrills that those games clearly have to offer by checking out websites that carry the exact same games as the casinos.
One such site is Games King, which has been designed with just about anyone that enjoys the high octane action of casino games in mind, but doesn’t actually want to risk anything to get involved. Indeed, many of the things that players associate with playing at online casinos, such as registering accounts, depositing cash and messing around with bonuses simply do not apply there. Instead, as the name would suggest, the site is all about the games and it features the exact kind of action that you would expect to find at any of the leading online casino brands – if not more.
There is no software to download and each of the games on the site is presented within its very own review, so you can take a look at what the game is all about before you start playing too. In our experience, any game becomes more fun when you actually have a decent idea of what you are supposed to be doing and that most definitely continues to be the case when it comes to casino classics.
If you haven’t checked out the kind of action that casinos have to offer recently then there is no time like the present too. If it has been a number of years, and the idea of slots still conjures a mental image of three reels packed with cherries and oranges, spinning mechanically to spew out a few coins into the tray, then you are definitely in for a treat. The latest slot games boast more of a resemblance to proper video games than their aged, mechanical counterparts and boast graphics, animations and bonus rounds that are all worthy of falling under the banner of entertainment.
Sure, if you do decide to check out all of your casino favourites for free, you will of course be giving up the opportunity to win anything. We can’t help thinking that anyone that offered such a service would be pinching their own pennies before long! However, the reason that casino games have been around for so long and remain so popular is that they are not just a way to win cash, but also because they are simply downright fun to play. You can get involved without even needing to go near an online casino and with thousands of games out there ready and waiting to be played, there is simply no chance at all that you will not be able to find the perfect game to keep you occupied and it won’t cost you a penny.
Hurry over to Amazon where you grab the Simple Cleansing Facial Wipes, Kind to Skin 25-count twin pack for just $5.83 when you clip the $1.00 off coupon, checkout using Subscribe & Save, and purchase as an add-on item! That is just $2.91 each. Keep in mind, Amazon pricing can change at any time! Don’t wait to purchase this deal or it might be gone when you come back!
NOTE: With Amazon Subscribe & Save, you save an additional 5% off the price and get free standard shipping. You are free to cancel at any time. After placing your order, wait until your order ships. Then, you can go into your Amazon Account page and click the “Manage Subscribe and Save” link and cancel it. That way you won’t have continual shipments of your order in the future. PLUS, remember, if you have 5 or more Subscribe & Save items that arrive in the same month, you will save an additional 15% (instead of 5%).
NOTE: This is an add-on item. You can score this amazing price by adding an additional $25 worth of eligible items to your cart. However, since this ships with any Subscribe & Save delivery, you should be able to add it to a current shipment without the additional $25.
Amazon has Gillette Body men’s shave gel priced at $3.79 with Subscribe & Save. Clip the $2 coupon and pick some up for only $1.79 with free shipping! If you don’t want to continue receiving these on a regular basis, you can always cancel your Subscribe & Save order after you receive the first one.
Need to do some last minute shopping for those backyard BBQs? Head over and load a nice 50% off Nathan’s Famous hot dogs Cartwheel offer to your account for a great deal on some yummy hot dogs!
Buy (1) Nathan’s Famous beef hot dogs @ $4.89
– Use 50% OFF Nathan’s Famous hot dogs Target Cartwheel offer
Final Price: $2.44!
I’ve noticed that many times when we post crazy hot deals, those deals often sell out very quickly, or are unavailable by the time some people check the website, so I decided that a text message alert program was needed for all of the SUPER HOT deals. This will be very important to join, especially during black friday and the holiday season, since deals go very quickly. So… I’d like to introduce the Pinching Your Pennies text alerts program!
It’s easy to join:
– Text the word “PENNIES” to phone number 41411 to join.
– You will receive a message asking you to confirm joining.
– Reply back to the message with the letter “Y” and you will be confirmed.
PLEASE NOTE: Pinching Your Pennies will NEVER spam you or sell your information to anybody. We will only be texting super hot deals that should be bought immediately.
I hope you guys enjoy the new text alerts program! Please comment below if you have any questions or let me know what you think of the new program. 🙂
Today’s kids want high-tech toys and gadgets to play with. Long gone are the days of wooden horse swings – it’s all about iPads and smart robots now. So, if you are looking for the best tech gifts and gadgets for kids in 2017, here are three products to keep in mind.
Veho Digital Microscope
Tech gadgets for kids can be quite educational and the Veho Digital Microscope certainly is just that. The digital microscope will encourage your child to be inquisitive and it will make exploring the back garden so much more fun.
The microscope is very effective; you can see plenty of detail you wouldn’t be able to notice with the naked eye. Its magnification is 20-400 times with the VMS-004 model and the microscope has a LED light to light up whatever you place under it.
The microscope works with a USB connection and you don’t need to install any lengthy software to use it. Just plug it in. The good thing is you can use it with both PC and Mac computers.
Veho Digital Microscope costs around US$100, but you can find coupon codes for it with retailers like ProBikeKit to cut down the cost.
LeapFrog LeapBand Activity Tracker
Adults have been hooked with activity trackers for a long time now and it’s time to introduce the kids to these wonderful things. The LeapBand is a great way to ensure your child gets to play with technology without just ending up sitting passively at home staring a screen.
The idea of this activity tracker is to let your child take care of a virtual pet (a few different options available). There are around 10 pre-loaded games that help look after the pet, all of which require the child to be active. It also teaches your child about healthy eating habits.
The tracker doesn’t just count the steps but focuses more on providing the child with physical challenges such as running or jumping. It starts with those 10 games, but as the child progresses, you unlock more fun stuff.
The design is not too childish and the watch is super easy to use. One of the big benefits is the price; you can currently find it at GraysOnline for just US$44.
VTech Kidizoom ActionCam
GoPro is a great action camera but it can be a bit pricey, especially if you want to let your kids use it. But VTech Kidizoom ActionCam costs just around US$40 (find it at Fishpond) and it’ll be a fun product for kids to have.
The camera comes with mounting options for bike and helmet, as well as a waterproof case for taking it for a spin around the pool. Its photo resolution is just 0.3 megapixels so it definitely isn’t anything fancy. However, the video quality is fine for capturing kids’ adventures.
So, if you are looking for a tech gift and gadget for kids, keep the three in mind. Don’t forget to check out Frugaa when shopping for gadgets – it has a number of coupon codes available with the best tech retailers which will provide you extra savings.
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Over the last few years U.S. household debt has increase, in the last decade this is by 11%. Many families are getting by, by spending on credit cards and personal loans. A lot of the debt for many families in the U.S. is on mortgages at $172,806, with general household debt totalling up to $132,529, with the total pool of debt at $1.1 trillion.
For those perusing college education, you could come out with an average student loan debt of $49,042, so it’s no surprise to see that many American families, are sacrificing meals out, new gadgets and new clothes to pay for their children’s education as well as spiralling healthcare costs. The study by Coupon Dash found that majority of families, 52%, have cut out going out for meals, whilst 49% of families do not spend money on the latest gadgets. With many families giving up a lot of things to keep afloat.
One way to keep on top of debt, is to follow our quit, cut and keep plan.
Signs You may Have a Vitamin Deficiency
Our immune system is always weaker at the beginning and at the end of winter. Spring can also be tricky for those who suffer from various allergies. You have to periodically get checked by a doctor and see if you have any vitamin deficiency.
There are different signs that can also indicate you have a vitamin deficiency. You can take some supplements or eat different fruits and vegetables to boost your immune system and greet spring with joy, being in perfect health.
You’re not on the Right Diet
It’s perfectly fine to be on a certain diet, but you have to make sure you’re getting all the vitamins your body needs. This is why it is strongly recommended to go see a doctor and a nutritionist to get the best diet for your body.
The Corners of Your Mouth
Are the corners of your mouth dry or cracked? It means that you are lacking vitamin B. It’s time to eat eggs, different types of fish, nuts and tomatoes. It is also recommended to eat fruits that are rich in vitamin C because they help you assimilate vitamin B easier. Broccoli and cauliflower also help and if you need something crunchier, go for red bell peppers.
Do You Deal with Hair Loss?
Hair loss has multiple causes from stress to vitamin B7 deficiency (also known as biotin). Just to be on the safe side, you need to eat more cooked eggs and include more vegetables and nuts in your diet. Fruits like bananas and strawberries can also do the trick. Eating fish at least twice a week is also strongly advised.
Frequent Muscle Cramps
This is a very common feeling for many people. It’s a clear indicator that you’re lacking calcium, magnesium and potassium. How can you fix the problem? You need to eat plenty of fruits from cherries, apples, bananas to grapefruits. You can also eat different vegetables such as broccoli, spinach, kale etc.
Rashes on Your Skin
If you noticed some rashes on your skin, it’s time to see a doctor. You need a lot of vitamins to strengthen your immune system. You need vitamin D, E, K, A, B7 and plenty of zinc. The lack of these vitamins is marked by those rashes on your skin. Better go see a dermatologist, too, just to be sure you aren’t dealing with an allergy. Dried fruits are the best remedy for such a situation. Dairy products, mushrooms and whole grains are also recommended.
Other Signs Associated with Vitamin Deficiency
If you’re feeling tired but can’t sleep, if your gums are way too sensitive or they sometimes bleed, you definitely need to eat more fruits and vegetables because you are having a vitamin A deficiency. If you’re losing weight and feeling depressed, you are lacking vitamin B1. Sometimes, many vitamins have similar symptoms, this is why it is highly recommended to get checked at the doctor and see exactly what kind of vitamin you are lacking so you can start the right diet as soon as possible.
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Shopping online is very convenient when compared to shopping in a store. Everything can be done from the comfort of your own home and if you want to check out the offers at a number of different sites this can be done in just a few clicks. You can shop online at any time of the day that suits you. There are also several ways that shopping online can save you money.
Free Shipping Offers
If you spend over a certain amount on a certain site, then you may be eligible for free shipping. This means that you will get the goods you have ordered delivered to your door for no charge. Even if your order does not qualify for free delivery you may still be able to find a code online that you can use for free delivery. This is sometimes also offered to new customers.
Collect In Store
If you are buying from a company that has a store near to you then you can often collect the item you have ordered in store for free. This also offers more convenience as you can go and collect your item when you have the time and you don’t have to wait in all day for your goods to be delivered. The item that you have ordered may be ready to collect as soon as the next day. The store will usually hold the item until you are ready to collect it.
Get a Membership Card
Some sites offer loyalty schemes where you will collect points every time you shop with them. If you are able to shop in stores as well then you may have a physical card that you hand over when you shop. The points that you collect online will also be added to this balance. Some stores also offer their own credit card that gives you access to special offers and money off certain items. Always pay the balance in full as any interest that is paid will cancel out any savings that have been made.
Use Second Hand Sites
If you are looking to buy something second hand then sites such as eBay and Craigslist should be the first place you look. These sites have multiple sellers that are offering the same product which means that you can get a really good deal. Craigslist has the advantage that the seller is probably in your local area so that you are able to view the product before you make a purchase. You also have the advantage of being able to collect it which will save you money on delivery costs.
Use Coupon Codes
Some companies will offer promotions that can only be redeemed online. These codes are often advertised on social media so make sure that you are following the company you want to buy from so you don’t miss out. There are also websites that you can subscribe to that will list codes that are currently valid for popular sites. It is always worth browsing these sites before you buy anything online as some of these coupons can provide you with substantial savings.