4. Applications, SaaS solutionsâ€”Zoho.com. Zoho's suite of products, most of which are free, helps entrepreneurs and small companies compete with the big guys. With tools ranging from CRM to spreadsheets to invoicing, small businesses don't have to worry about missing a step. Also consider: Microsoft Office 2010 (www.microsoft.com). In free beta at press time, Microsoft's latest suite features streamlined functionalities and collaboration tools. Microsoft says it used crowdsourcing (a type of â€œopen callâ€ that asks a large group of people to test a product rather than limiting it to a smaller group of employees) this time around to improve the suite of offerings.