What's a prepaid debit card? You've heard of debit cards and credit cards, but this is different. This card can help you stick to a budget and limit your spending. Prepaid Debit Card A credit card offers you access to credit that you can pay back later. A regular debit card gives you access to all the money in your checking account. A prepaid debit card is funded by money you load onto the card through a variety of means. You can only spend the amount that is loaded on the card. A prepaid debit card is not linked to a bank account. Prepaid Debit Cards and Fees Prepaid debit cards can involve different fees. There's an activation fee, monthly fee, card loading fee, cash withdrawal fee, and fee for withdrawal at out of network ATMs. Look for cards with a minimal number of fees, a large network of ATMs, and cash loading centers. Most cards don't charge for purchases. But there are some that do. No Fee Prepaid Card? If you get a prepaid card that doesn't charge a regular fee, it might end up costing you more in charges for cash withdrawals or when you load cash to the card. There is generally an activation fee on most cards. Look for cards with monthly fees that help you avoid transaction fees for cash loading, purchase, or cash withdrawal. With a lot of cards, monthly fees can be waived if you load cash through direct debit. The fee may also be waived if you load at least $750 or more. Check the terms and choose according to your usage. Most of these cards are from issuers who have a large network of ATMs and partner shops. These are places where you can load cash for free. But there's always the option to load cash through direct debit. Some prepaid debit cards have a savings facility. You can set aside some money that you load into the card in a savings section. This can't be accessed when you're trying to withdraw or make a purchase. The bonus of this is that you can earn interest on the money that you're locking in. But there are only a few cards that have this facility. Many prepaid debit cards come with usage tracking facilities. Expenses can be separated into different categories and you can track how the money is spent. There's also a Cash Back prepaid debit card, the only one of its kind, the American Express Serve Cash Back. This card gives you 1% cashback on all purchases. It also comes with purchase protection. Why Use Prepaid Debit Cards? If you don't have a good financial record and thus, can't get a credit card, you can use prepaid debit cards for cash-free transactions. There is no credit check for these cards. You can learn to budget your expenses. You can create savings without having to create a bank account. Look for cards that pay an interest on the amount in the savings section. Go to card comparison websites and find reviews of the best prepaid debit cards. Choose the card that's the best fit for you.

Women love handbags and they are sure to cherish a designer bag that carries a premium tag. From shoulder handbags to tote handbags and satchels, take your choicest pick. If you choose to buy a handbag you can pick one from Dooney& Bourke outlets. Handbags are perfect any-occasion gifting options. Coming in a myriad of shapes, patterns, colors, and materials, women are eager to add them to their handbag collection. If you’ve been planning to add a designer bag to your collection, now is the time to buy a Dooney & Bourke. Well, Dooney & Bourke offers myriad choices. To make it easy for you, here are six Dooney & Bourke outlets handbags that are a must-have in your handbag collection. You will find these Dooney & Bourke outlets handbags both in-store and online.

Florentine Satchel

Quite a bit to carry around with you, the medium-sized Florentine satchel is the right one indeed. Crafted out of supple Florentine leather, you can expect the satchel to develop a rich patina over a time period. Fastened with a zipper closure, this satchel, one among the original styles has a cell phone pocket, two inside pockets, a zip pocket on the inside to carry your cards/currency and an adjustable strap. You can also detach the strap and carry it by the top handles in style. Plus you have a choice of colors from natural to navy, charcoal, Bordeaux, and chestnut.

Emerson Shannon Tote

This compact tote is the most apt for your everyday use. Crafted out of waxed French leather, that adds to the durability, the tote has a east-west silhouette construction. The gold-plated Italian hardware ups the style quotient. With a secure top-latch, these Dooney & Bourke outlets handbags are dust-resistant as well. The bags develop a shine with usage. Choice of colors include fuschia, tan, plum wine, geranium and white midnight blue.

Duck Crossbody Bag

The Duck Crossbody bag is just what you need during the rains. It’s webbed body design makes it water-repellent. The pebbled leather flap for closure highlighted with the duck logo is sure to make heads turn. The bag comes with an adjustable strap with a strap drop length of 20 inches. Take your pick from taupe brown, navy, cream saddle and more.

Miramar Murphy Backpack

Want to keep your hands free while you’re out? The Miramar large Murphy backpack is the most desirable choice. On offer are colors like navy, khaki, mint, light blue and red. Made of vachetta leather, which darkens upon light exposure, the nylon fabric repels water. Secured with a magnetic closure and a drawstring, the bag offers a good amount of storage with two outer pockets, zip pocket, on the inside as well as the outside, inside key hook and a cell phone pocket as well.

Marabelle Ruby Bag

Add color and vibrancy to your personality with the Marabelle Ruby Bag. A smaller version of the classic Dooney satchels, these commemorative bags are an epitome of versatility. Use the strap wear it cross body. Or pick up the handles and head off on a night out. The bag is crafted out of polyvinyl-coated cotton fabric, making it water repellent.

Pebble Grain Juliette Hobo

If you’re looking for a handbag that stays with you for really long, the Pebble Grain Juliette Hobo fits the bill to the hilt. The rich texture of the leather and its durability makes it the perfect choice for those who develop an emotional attachment to their handbags. Slip it on your shoulder and get going. There is a zip pocket on the inside, a key hook and a cell phone pocket. Whether you buy Dooney & Bourke handbags from their in-store outlets or online, you’ll enjoy a full year unconditional guarantee. Go ahead, and add one to your handbag collection.

Did you notice those rubber mats that lie near the entrance door? If you too belong to an average middle-class group, you would realize how rubber floor mats are essential for keeping the house clean. These rubber mats have incredible abilities, and people appreciate the same. The majority of these rubber mats are quite inexpensive, but they are perfect for keeping the homes clean. The amount of dirt is minimized to a great extent. These mats have now become very popular as “Welcome” mats outside homes. The mats help in getting rid of grime and dust from the shoe bottoms. Businesses use these rubber floor mats for all the purposes, for cleaning the debris or taking care of workplace flooring. If you have been to restaurants, you must have seen that they have loads of rubber mats. This is because of ensuring the workers' safety. Often, these rubber mats are found in kitchen areas also, to make sure there’s stability. Obviously, who will want to slip in the kitchen while carrying a pan or some hot dish? For protecting yourself in these wet areas, getting rubber flooring is of great importance. Not only is accident prevention provided but even the work spaces can be kept clean of debris. They are even used in cars. This, in turn, helps in preventing all the dirt. When you look inside the vehicle carefully, you will notice a rubber floor mat near the side of the driver as well as the seat of the co-captain. The reason why there are multiple floor mats inside the vehicle is that the main aim is to keep it clean. It’s good to have high-quality floor mats inside the vehicle because of pebbles, dirt granules and mud can be prevented from entering the vehicle. Moreover, the interior is kept perfectly clean, and the carpeting isn’t ruined. Buy these mats from a good dealer and check the quality properly. Even slight compromise shouldn’t be made with it because after all, it’s not going to be purchased again and again.

There are several solar panels available for home installation you can choose from. Following are the types of solar system panels that can be used for powering up several home appliances. Monocrystalline The type that started it all, monocrystalline panels, originated in the 1950s. The cells are cut from silicon in a cylindrical fashion, each cell resembles the shape of wafer. A group of tens of wafers make up a monocrystalline panel. Monocrystalline panels are generally constructed from high-quality silicon, giving them the highest performance rates in the industry, usually up to 21 percent. Monocrystalline panels outperform thin film as they make wise use of space, offering a high-power yield per square foot. Warranties often last for 25 years, as these panels perform better in low-light conditions than their polycrystalline counterparts. Since they are of a superior quality, these panels are also costly. The manufacturing process produces significant waste. Polycrystalline Unlike cutting silicon in the form of wafer shapes, manufacturers pour silicon into a mold to form polycrystalline panels. Polycrystalline types of panels are a good option for many residential solar panel systems. The manufacturing process produces little waste, and the technology allows for a cost-effective panel. Efficiency is lower, than its other counterparts. The panels require more space when installed to produce the same electrical output as a panel constructed from monocrystalline. Thin film Thin-film solar panels are manufactured by putting down multiple layers of a photo-voltaic element, such as amorphous silicon or organic photo-voltaic cells. Thin film solar panels are lightweight, and are not affected by factors like shading or obstructions. These panels are easy to mass manufacture, hence they are an affordable option. Most thin-film panels offer very low performance, swinging between 7 and 13 percent, they have an average operating efficiency of about 9 percent. These panels generally require a lot of space. As a result, they are not fit for commercial applications. For most residential installations, with strict space constraints, thin film solar panel systems don't work well. In most cases, thin-film panels don't last long and quickly succumb to the effects of weather conditions. Hence typically a manufacturer may not offer a long warranty to go along with a thin-film panel. There are a number of websites on the Internet that you can use to compare and buy a particular type of panel. Some of the popular websites include wholesalesolar.com, gogreensolar.com, etimates.solar etc.  

Popular digital watches to buy this season A watch is a necessity that has gradually evolved to become a fashion accessory. While a debate between analog and digital watch lovers is still hot, many buyers have begun to side by the digital versions. Digital watches are known to give a lot of freedom and flexibility. According to your preference, requirement, and style, you can buy the kind of watches that suit you. While many buyers find analog watches more durable, digital watches are known for their sheer versatility and convenience. If you are someone who wants to break away from traditional analog watches, give these digital timepieces a try! Braun Prestige Digital This brand is best known for their unique designs, top of the class quality, and German-made guarantee. These digital watches are water resistant up to 30m and have a sparking stainless-steel case that looks irresistible. What’s more, these watches come with Braun’s patented EasySkroll v2.0 operating system that makes these gorgeous timepieces one of its kind. Casio A159WGEA-1EF Gold Digital These time-tested watches have been delighting users ever since the 70s. This digital watch retains its old charm with its gold-tone classic feel that looks retro yet contemporary at the same time. The best part about these digital watches is that it remains timeless and looks elegant with whatever you wear. Timex Expedition Shock XL This fascinating timepiece is made for those adventure lovers who want their timepieces to wear a rugged and raw look. Time Expedition Shock XL makes the perfect gift for those who like to live on the edge. This uncomplicated digital watch is sturdy, easy-to-read, comes with a night-light, has a vibration alarm installed, and most of all is shock resistant. Casio G-Shock DW9052-1V This is one of the most popular entry-level G-SHOCK watches that comes with all the characteristic features of the brand. This timepiece comes with shock and water resistance, a number of practical timers and alarms, and a useful backlight. The watch is best known for its versatility that makes it a favorite of law enforcement and military personnel. Casio G-Shock Rangeman Casio G Shock Rangeman is designed to take things one notch up with its many high-technology and rugged features. Apart from all the elements present in its entry-level counterpart, this G series watch boasts of six band timekeeping. The watch also comes with a compass, barometer, and temperature sensors. What’s more, the watch enables solar charging. Suunto Core This watch is designed considering the requirements and demands of people with an adventurous and outdoor streak. The watch has several useful adventure-ready features that make it impressive. The watch comes with a depth meter for activities like snorkeling. It has a rugged look and displays much useful information like altitude, atmospheric pressure, and temperature. What’s best, the watch is designed to prompt you about the rising and setting of the sun. The watch also alerts users in case of sudden weather changes like the possibility of a storm, and the like. Garmin Forerunner 230 This digital watch cum fitness tracker is most preferred by sports and fitness enthusiasts who wish to monitor their runs, activity, the number of calories burned, and heart rate. This is one of the newest versions of the Forerunner series that comes with a built-in tracker to suit all your monitoring needs. What’s best, this model has more fancy features and is more affordable than its older version. Apple Watch Series 2 This series of Apple may not be the most rugged watches of all times, but it has indeed evolved from its original water-resistant version. The watch features built-in GPS, activity tracker, heart rate monitoring, and other convenient smartwatch functions.

Customer Resource Management (CRM) software is a vital tool for any business that deals with clients or customers. It is especially relevant in the retail arena, as customers are the central point of such businesses, and customer related data needs to be integrated with other data like sales and inventory to ensure the best service.

Customer Relationship Management (CRM) software

CRM is important whether you are a small business or a large enterprise. When you are dealing directly with customers you need and build a relationship with them for repeat business. You must also provide excellent support and send them targeted promotions according to their likes, dislikes, and buying trends.

Choosing the CRM software

A CRM application can integrate lots of modules for different needs according to the number of users and the salesforce management complexity. Large enterprises usually have a robust IT infrastructure, development team, and trained professionals to manage resources efficiently. For these businesses, an in-house proprietary CRM system or a CRM application is the best choice. For small to mid-size businesses, CRM in the form of SaaS or cloud-based service would be ideal. This eliminates the need to invest in a lot of hardware and networking infrastructure. The service provider will set up the necessary storage and databases for you in their own facility. Cloud-based solutions are scalable and you can expand your database as your business grows. Just be sure to spend some time in researching CRM solutions before you choose the SaaS provider.

Additional features

Many CRM services also have other modules for handling inventory, sales, accounting etc. They are built to optimally work with each other, sharing data and processes without compromising security. Even if you purchase other modules from a different vendor, these solutions all have APIs that let you smoothy connect with each other. You can be assured of good integration across departments so that the data can be organized and analyzed according to different needs, to benefit the overall business operations.

CRM software classification

While you can choose the CRM according to your business size and current needs, ensuring scalability is also important. You should determine your main goals and choose your CRM Software accordingly. For instance, if you want a solution that can help your sales and support teams, choose a Salesforce CRM. Pipedrive is a good example of a sales CRM. These analyze leads and select prospective buyers. They can facilitate targeted emails, phone contacts and other campaigns along with after sales support and service. An operational CRM helps you keep track of all customer data including contact details, buying patterns, inquiries about products or services, feedback, and other related data. This helps determine which products the customer would be interested in next. Create targeted emails and other strategies for repeat business. There is campaign management CRM software that helps you design, track, analyze and report on the effectiveness of marketing campaigns. Collaborative CRMs let you share customer-related data across different departments to help streamline processes and devise better business strategies. Bitrix24 is a collaborative CRM tool, It enables the organization to collect and collate customer information across various departments like marketing, sales, technical support etc. For deeper insights into your customer base, go for Analytical CRMs. They can access data from various sources like your salesforce data and customer data, determine the main demographics of your customers, their major preferences etc. These can be fed into Campaign Management CRMs to design better marketing strategies.

Things to remember

When purchasing your CRM Software, be sure that they are mobile ready. Social media capabilities like the ability to integrate with social media APIs to track customer activity and information on these websites is also extremely important. Most CRM Software combine different capabilities in a single solution. Just go through the features and functionalities offered in the CRM suites that you shortlist, and choose the best one for your needs.