Providing on-line non-downloadable software for accounting, forecasting, and projecting cash-flow, and, managing business to-do item; Providing on-line non-downloadable software for delivery of training material in the field of digital marketing techniques; Providing a website featuring on-line non-downloadable software that enables users to business planning and forecasting; Providing a website featuring on-line non-downloadable software that enables users to delivery of training material in the field of digital marketing techniques; Software as a service (SAAS) services featuring software for use as an on-line, electronic, virtual platform for workplace communication and collaboration; application service provider (ASP), featuring software for use in development, implementation, and management of social intranet software; Software as a service (SAAS) services featuring software for on-line project management and workplace social intranet communications, workplace social networking, collaboration, and product development