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College for Financial Planning #college #for #financial #planning,financial #planning,retirement #planning,crpc,aams,awma,adpa,apma,crps,cmfc,cfp,cfp #review,finra #series,cfp #exam #prep,cfp

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Exit planning is the creation and execution of a strategy allowing owners to exit their businesses on their terms and conditions. This session will provide the background for the wave of small business transfers that are expected to occur as a result of the baby boom generation continuing its

Everyone knows to buy assets low and sell them high, but due to loss aversion this often is not the case. Investors, on average, lose an estimated 30% of their possible returns due to loss aversion and other behavioral biases. Financial planners, without needing a degree in psychology, can

This course satisfies CFP Board’s 2-hour Ethics continuing education requirement. Tuesday May 9, 2017 From 1PM until 3PM (MDT) By Professors Jim Pasztor and David Mannaioni

The Department of Labor’s fiduciary standard became law on April 10, 2016. This webinar will help you gain a better understanding of the requirements of the new DOL fiduciary standard and how it will impact advisers, clients, and the industry as a whole. Detailed discussion will include the latest

Join us for a Live CE Webinar Uses of Home Equity in Retirement Plans March, 14th 2017 at 4:00PM (EST) Presented by Professor Sam Van Why, MA, CLU, ChFC For many Americans who are approaching retirement, or are already in retirement, the equity in their home may well be

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Chevrolet Camaro Z #chevrolet #camaro #z/28 #review, #chevrolet #camaro #z/28, #chevrolet #camaro #z/28 #price,

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Chevrolet Camaro Z/28

Chevrolet Camaro Z/28

From the May 2014 Issue of Car and Driver

“I told ’em on the radio that I was pulling over a Z/28. and they said they don’t make them no more,” the cop says with a drawl straight off the pages of Faulkner. “I told ’em, ‘Whatever it is, this is a bad-ass car.’ ”

This member of Alabama’s finest claims that Dick Knoll, Camaro lead integration engineer and driver of the Z/28 I’m riding in, put a wheel over the yellow line a mile back on Interstate 20. Knoll doesn’t dispute it because it’s already evident that no tickets will be written today. This is a fan-boy shakedown. The officer barely glances at Knoll’s driver’s license before collecting his take. Cell phone already in hand, his question is rhetorical: “Do you mind if I take a few pictures?”

Officer Instagram can’t be faulted. There’s been enough hype around the Camaro Z/28 revival to launch a dozen blogs. It is retro done right: the return of a storied name applied to a modern car crafted in the same spirit as the 1967 original. Like that first Z/28 that homologated Chevy’s Trans-Am racer, this new incarnation’s mission is to lay down fast laps on a road course. It was developed on the Nürburgring, Road Atlanta, Road America, and Virginia International Raceway, as well as at GM’s own Milford road course. Fittingly, our road test covered more distance on the 2.4-mile track at Barber Motorsports Park in Birmingham, Alabama, than on public streets.

The Z/28 is not the quickest, the fastest, or the most powerful Camaro, but it is the most expensive at $75,000, or more than three times the price of a six-cylinder model. Its only clear-cut competi­tor is the $49,990 Mustang Boss 302 Laguna Seca that Ford stopped building last year. And even then, the parallels exist in concept, not execution. With a 7.0-liter V-8, carbon-ceramic brakes, damper technology borrowed from Formula 1, and the widest front tires on a production car, Chevy’s Camaro Z/28 is a Boss 302 fighter raised on growth hormones and testosterone.

How to make a 7.0-liter V-8 look small? Put it in a Camaro. The cold-air intake is one of the few changes GM made in transplanting the LS7 engine from the outgoing Corvette Z06.

Plucked from GM’s last track-day ­special, the 2013 Corvette Z06. the Z/28’s port-injected LS7 V-8 is fortified with new pistons and titanium connecting rods whose bearing inserts are now spray-coated for improved durability. There are also a cold-air intake, revised exhaust headers, and a repackaged dry-sump oiling system, but there’s more hardware that’s carry-over than new under the hood. At 505 horsepower and 481 pound-feet of torque, the Z/28’s LS7 makes just six more pound-feet than when this engine made its debut eight years ago.

Just as it did back then, the LS7 oozes power whether the Z/28 is standing still or at speed. The car quakes under a loping idle as heat radiates from the carbon-fiber extractor and blurs the view through the windshield. Racing toward a 7000-rpm redline, the Z/28 smears Barber’s manicured landscaping as if it were a still-wet watercolor, while the exhaust’s raucous bawl ­rattles the cabin. Zero to 60 mph passes in 4.4 seconds, and the quarter-mile clears in 12.7, by which time you’re doing 116 mph. True, the Z/28 isn’t as quick as the ZL1 in a straight line, but that’s not the point.

The six-speed manual transmission shared with the Camaro SS 1LE is geared for road-course duty, with closer ratios passed through a shorter 3.91:1 final drive. Shifts are heavy and stiff, and the pedals are spaced a toe’s-width too far apart for easy heel-and-toe action. The substantial displacement of the naturally aspirated V-8 compensates with a low end that’s nearly as forceful as its top end is intense. We work over Barber using third and fourth gears and every rev between 3000 and 7000 rpm.

The Pirelli P Zero Trofeo Rs are essentially street-legal racing tires so tacky that, during development testing, they occasionally stuck to the pavement better than to the wheels they were mounted on. To keep the Pirellis from slipping around the rim, the wheels on production Z/28s are media-blasted to increase friction at the mating surface, a common practice in racing.

The massive front tires are the same size as the rears, a remedy first used on the 1LE to address the Camaro SS’s penchant for understeer. Here, though, the rubber is sized up to 305/30 and mounted on smaller, lighter 19-inch forged aluminum wheels. When warm, the tires stick to the pavement like four wads of melted Wrigley’s. In Barber’s long, mid-speed corners we saw as much as 1.06 g of lateral stick, despite a damp track and temperatures struggling to top 40 degrees. The Z/28 is neutral and responsive at the limits, and the Torsen-type limited-slip differential prudently doles out power on corner exit. The flat-bottom steering wheel has the same heft and on-center sharpness as the Camaro ZL1 ’s. Unfortunately, it lacks the stimulating feedback experienced in the best sports cars.

The cross-drilled carbon-ceramic brake discs are clamped by six-piston front and four-piston rear calipers that bite just as hard after 50 minutes of lapping as they do on the first laps. From 70 mph, they haul the Z/28 to a stop in 155 feet.

There are, of course, stiffer springs and bushings, and the downsized wheels allowed engineers to drop the center of gravity by 1.3 inches and use smaller and lighter anti-roll bars. The cornerstones of the suspension are four spool-valve dampers, a technology used by Red Bull Racing as it claimed four Formula 1 championships between 2010 and 2013. Until now, the closest these shocks have come to a production car is Aston Martin’s $1.8-million One-77.

Spool-valve dampers don’t use electronic components or magnetic fluid, and they are neither driver-adjustable nor adaptable to road conditions. Instead, the spool valve’s merit lies in tailor-shaped internal ports that improve the precision and effective range available to engineers as they tune the shocks. They work magnificently. The Z/28 transitions from left to right to braking and acceleration with nearly imperceptible load transfer. It is stoic and stable as it bounds over the curbing and hunkers into hard braking through the tight corkscrew of Barber’s eighth and ninth turns. On the road, firm doesn’t mean harsh, either. As we bomb over a bridge deck that is set two inches above the road that abuts it, I tense in anticipation of a jarring impact—it never materializes.

How to identify a Z/28: badges, lots and lots of badges.

We won’t be talking about a true lightweight Camaro until at least 2016, though, when the car is redesigned on the Alpha platform. The Z/28 we tested was equipped with the sole option package—five extra speakers and air conditioning—and weighed 3862 pounds. It’s not light, but that is 35 pounds shy of a 1LE and more than 300 pounds slimmer than a ZL1.

Even without looking at the scales, we feel it’s a stretch to say Chevrolet stripped the Z/28 of everything that didn’t make it faster. The car still has carpeting, a headliner, full interi­or trim, and (lighter) rear seats. The wide Recaros are all-day comfortable rather than track-day snug. Other than the flat-bottom steering wheel and rescaled speedo and tachometer, from the driver’s seat the Z/28 could easily be confused for a six-cylinder Camaro. If you want to convince someone how serious this car is, you’ll have to pop the trunk, where there isn’t a single piece of plastic trim or carpet.

Or drive the Z/28 on the track. Because that’s really the only way to show off cornering this flat, grip this abundant, power this ­visceral, and a car this bad-ass.

Highs, Lows, and Verdict

Highs:

Galvanic handling, pavement-sucking tires, 7.0 liters worth of small-block V-8.

Lows:

Pricier than a Corvette without being faster, looks like a V-6 Camaro inside.

Verdict:

Specifications

VEHICLE TYPE: front-engine, rear-wheel-drive, 4-passenger, 2-door coupe

PRICE AS TESTED: $76,150 (base price: $75,000)

ENGINE TYPE: pushrod 16-valve V-8, aluminum block and heads, port fuel injection

TRANSMISSION: 6-speed manual

DIMENSIONS:
Wheelbase: 112.3 in
Length: 192.3 in
Width: 76.9 in Height: 52.4 in
Curb weight: 3862 lb

ESTIMATED FUEL ECONOMY:
EPA city/highway driving: 13/19 mpg

*Skidpad unavailable. Number derived from track test.

TEST NOTES:Unlike other Chevys with performance traction management, the Z/28 doesn-t have launch control. Grippy though the tires are, it doesn-t take much right pedal to break them loose on an acceleration run. A quick time is all about modulating the throttle.

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Lexington Law Review 2016 #sba #loan #programs

#credit repair business

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Lexington Law Review

PROS / Lexington Law works directly with your creditors in addition to the credit bureaus to clear up your credit disputes.

CONS / This company does not offer a money-back guarantee.

VERDICT / Lexington Law s credit repair service has a lot to offer, including excellent customer service and supplemental education that is especially helpful.

Lexington Law is a law firm that offers credit repair services to clients across the country. It offers almost all of the program features we looked for in the best services, and it provided excellent customer service in our testing. It also has especially comprehensive supplemental education. These features and more earned Lexington Law our Top Ten Reviews Gold Award.

Support & Service

We reached out to this company multiple times on various days to test the customer service it provides to potential clients. Overall, we had positive experiences with Lexington Law’s customer service representatives. They were available via phone and were responsive to email. The representatives we spoke with were transparent and open with the answers they gave us. They also provided accurate information, and the details they gave us were consistent across phone calls and when compared to the information on the company’s website. However, no representatives followed up with us to be sure we did not have further questions.

Lexington Law offers supplemental education about credit, finances and credit laws on its website. It has 12 topics for you to research the most we saw from any service we reviewed and they include information on bad credit scores, the Fair Credit Reporting Act and other legislation, clean credit reports and more. This company’s website also has a regularly updated educational blog for you to peruse. The blog discusses things such as debt-to-income ratio, taxes, high rates and other information.

Cost & Fees

To repair your credit with Lexington Law, you must pay a monthly fee of $79.95 per month, which is among the higher fees charged by these companies. There is no setup fee, and the service pulls your credit for you. Most credit repair services charge either a setup fee (which often includes the credit pull) or charge for the credit pull; some do both. If you sign up as a couple, you receive $50 off your first month’s payment. There are no additional fees for you to worry about, but you should know that Lexington Law does not offer a money-back guarantee for its service. Note that these prices were quoted to us at the time of this review, and the price Lexington Law charges you may vary depending on your situation.

Time Frame

The typical program with this credit repair company lasts four months, which is less time than many other companies advertise. Remember that the time you spend working with this law firm may vary depending on the number of items you need to dispute on your credit report. On average, Lexington Law advertises that it removes about 10 items from your credit report in total, though again, you should expect your results to vary.

Remember that not every item on your credit report is given the same weight in your score. Some items that are removed from your credit could be weighed heavier than other items; it’s possible to have 10 items removed from your report and have a very small score increase. On the other hand, you might have 10 items removed and gain a higher credit score increase than average, though you shouldn’t necessarily expect this to happen.

The number of items this company disputes each month varies, and is proportional to the total number of disputes that need to be made for your case. Credit bureaus are required to respond to disputes 30 days after receiving them, though it may take some time to see changes on your report. You should expect to start seeing results from the disputations made by Lexington Law within 45 days.

Program Details

Lexington Law offers most of the features that we looked for in our evaluation of credit repair companies. It acquires your credit score for you, saving you the hassle. It also works with your creditors in addition to the three credit bureaus, which makes it more likely that the negative items removed from your credit report will stay off. This company also offers monthly credit monitoring and identity theft protection, both of which can help you avoid needing a credit repair company in the future. This service does not offer pay for delete negotiations, however, which means that Lexington Law will not negotiate with your creditors for you to pay off your debt in exchange for the creditor removing the negative item from your credit report. You can stop working with Lexington Law at any time without penalty, as there is no contract required to work with this company.

Summary

Lexington Law’s credit repair service has a low average time for its program compared to its competitors, and there is no setup fee. This company has especially informative supplemental education and helpful customer support representatives. Even though its monthly fee is more expensive than some of the other companies on our review, its features, education and customer support put Lexington Law at the top of our list of credit repair companies.

Overall Rating





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Dell XPS 8900 Review 2016 #starting #a #small #business

#business computers

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Dell XPS 8900 Review

PROS / It comes with 16GB of memory.

CONS / Without an upgrade, the warranty is only one year.

VERDICT / The Dell XPS 8900 is the best business computer because the quad-core processor, dedicated graphics card, and 16GB of memory provide the best overall performance for your business.

With a quad-core Intel i7-6700 processor, the Dell XPS 8900 has the best-performing processor in our review. While most business desktop computers have 8GB of memory, the Dell XPS provides 16GB of installed memory. In addition, it comes with a Nvidia GeForce GTX 745 graphics card that has 4GB of RAM for processing graphics. For these reasons, the Dell XPS 8900 earns the Top Ten Reviews Gold Award for the best business computer .

To find the best business computer, we looked at performance, memory and storage, connectivity, expansion potential, and support features. The most important feature is performance, which was evaluated by looking at the processor’s PassMark score – an industry benchmarking score that reflects the results of thousands of user testing. The Dell XPS’ processor had the highest PassMark score, which when combined with twice as much RAM as any computer, easily makes it the best business computer in the $1,000 price range.

8011.40 PassMark Score

Performance

The Dell XPS 8900 series of business computers has one of the best processors available, the Intel Core i7-6700 3.3-GHz processor. This processor has four cores. With hyper-threading, this processor has eight total threads of execution, which means that it’s almost like having eight cores. The difference between a quad-core processor with hyper-threading and one without is like the difference between an eight-lane highway versus a four-lane highway more data can pass through it. This is why the i7-6700 has a PassMark score of 11,000, which is the highest in our review. It’s easily capable of multitasking without experiencing a dip in performance.

Another great performance feature is the Nvidia GeForce GTX 745 graphics card. This GPU has 4GB of memory dedicated to processing graphics. This makes the XPS 8900 a great office PC for video and graphics editing, because the graphics have their own dedicated processor and RAM.

Since the GPU processes the graphics, the CPU is free to handle all the other data processing. This provides better performance all around. Most business computers rely on the processor to execute the graphics with integrated graphics, which can limit your multitasking abilities, because graphics can hog all the processor’s resources.

Memory & Storage

The XPS 8900 comes with 16GB of installed memory, which is double what the standard is for most business computers in the same price range. You can upgrade to as much as 32GB of RAM, and the motherboard can support up to 64GB. Even the least expensive computer in the XPS 8900 series has 8GB of RAM. With so much RAM, you can run the most data-intensive programs with ease, and you have a sufficient ceiling for years to come as apps increase their memory requirements.

You get a 1-TB hard drive, but you can upgrade to 2TB. For comparison, most business PCs come with a 500-GB or 1-TB hard drive. This gives you plenty of room to store all of your business’ important files. Dell also includes a one-year subscription to a Dropbox account so you can back up your critical files and easily share files with your employees and clients.

Connectivity

The XPS tower chassis has 10 USB ports six USB 3.0 and four USB 2.0. This gives you ample room to add external components and devices like microphones, scanners, cameras and external hard drives. However, this is on the low end. Some computers have as many as 14 USB ports. As a rule, you should have at least two or three more ports than you expect to use. It also comes with a 19-in-1 media card reader, which allows you to read a wide variety of portable storage cards.

This is one of the few business computers in our review with an HDMI port, which is the ideal port for high-definition displays and other media connections. While it also comes with the standard DisplayPort connection, the HDMI connection allows you to connect to a high-definition TV.

Expansion Potential

The most important expansion feature of the tower chassis is the 460-watt power supply unit, which is among the best available for a business computer. This is important because you need a substantial power supply if you want to add more components. An underpowered component can cause the computer to overheat, which can damage parts and become a fire hazard.

In addition, the motherboard has four expansion slots and five bays for adding more components, like secondary hard drives or an upgraded sound card. This gives you a lot of flexibility to customize the computer to your business’ needs.

Help & Support

A minor downside to the Dell XPS 8900 is the one-year warranty. The industry standard is three years. However, you have the option to upgrade to a two-, three- or four-year warranty. Each warranty includes onsite service and remote diagnosis, which allows you to diagnose issues using tools from the Dell website. As an upgrade, you can also protect it against accidental damage from liquid spills, drops and electrical surges.

Dell provides 24/7 support every day of the year via phone, live chat and email. This is critical for a business, because it means you can always receive help if your computer goes down. You can also consult community forums to share ideas and concerns with other users. In case the hard drive fails, Dell has an asset-recovery service to help you get back all of the important files for your business.

Summary

The Dell XPS 8900 is the best business computer. It combines 1TB of storage with the most memory and the best processor. It also features a 4GB graphics processor and an HDMI port. Despite the short one-year warranty, it provides the most reliable performance for a business computer at this price range.





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Business Information Review #loans #for #a #business

#business information

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Business Information Review

Business Information Review (BIR) deals with the provision and management of information, content and knowledge in organisations. Published quarterly, the journal features articles, case studies and industry updates including news and trends from information publishers and vendors. Its readers and contributors work in the corporate sector, information and technology vendors, government agencies and other public institutions, in consultancy and in universities and business schools. BIR is published four times each year. Its editors are Claire Laybats and Luke Tredinnick.

July 1984 – June 2016

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2013 Toyota RAV4 XLE AWD Test – Review – Car and Driver #2013 #toyota

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2013 Toyota RAV4 XLE AWD

Never mind the Subaru 4×4 wagons, Jeep Cherokees, and Suzuki Samurais that paved the way, Toyota’s RAV4 is the seminal crossover. In the strangely popular cars-impersonating-trucks category, this is the model that has remained faithful to its roots through three design renovations. The attack of interlopers and the recent economic downturn knocked the RAV off the top-seller’s perch, but it’s back this year with a full make over intended to hold a rising number of challengers at bay.

The fourth-gen RAV4 is nearly identical in size to its immediate predecessor, so the major changes pertain to its general layout and driveline configurations. The burly 3.5-liter V-6 engine is history; it arrived with the third generation and was instrumental in the RAV4 winning two of our comparison tests (once in 2008 and again in 2010 ). A port-injected 2.5-liter four-cylinder now is the sole power source, aided by a new six-speed automatic transmission. (Last year the base four-cylinder was paired with a four-speed automatic. A RAV4 so configured finished fourth in a six-crossover comparo last fall.) Regrettably, no stick-shift option has been offered since the 2005 model year. Power-delivery options again include front-drive or on-demand four-wheel drive.

Proof Is in the Packaging

The previous three-row seating option is gone, a move that benefits front legroom and cargo room. But the most significant configuration upheaval is relocating the spare from the rear door to a well under the cargo compartment floor, a move long overdue. The silly right-hinged access portal becomes a safer, handier, more conventional top-hinged hatch. Also, a slight shuffle of trim levels replaces the outgoing base, Sport, and Limited hierarchy with LE, XLE, and Limited nameplates.

A longstanding RAV4 advantage is that it has one of the lowest rear-compartment load floors in the compact crossover class, easing the task of lifting heavy or bulky objects—pet kennels, bags of Quikrete, cinder blocks, etc.—into the cargo hold. We measured a 26-inch pavement-to-sill dimension for the RAV4, four inches lower than the Mazda CX-5 and Subaru’s new Forester. With the rear seat folded, the RAV4 will carry a 43×74-inch panel of building material laid flat (increased from last year’s 41×64-inch limit dimension). By leaving the hatch ajar and loading panels at an angle, it’s now possible to tote full 4×8-foot sheets, a task less feasible in the gen-three RAV4 with its swing-out cargo door. Another worthy improvement is a small amount of space for hiding valuables adjacent to the high-pressure spare under the cargo hold’s floor panel. Interior release levers fold the roomy back seat in 60-40 increments to provide a nearly flat load space when passengers aren’t the priority. When they do outrank freight, rear occupants will appreciate the adjustable backrest.

Incrementally Improved but Generally Uninvolving

In spite of the inexplicable loss of three horsepower, the extra cogs of the new automatic transmission give the RAV4 added vigor in acceleration tests. The run to sixty is 0.8-second quicker at 8.2 seconds and the quarter-mile sprint is half a second shorter at 16.5 seconds and 85 mph. Passing ability from 50 to 70 mph is also improved. We found tighter skidpad grip (0.78 g compared to 2012’s 0.75 g) and a slightly shorter stopping distance (168 feet versus last year’s 174 feet), most likely attributable to the change from truckish Bridgestone Duelers to stickier Dunlop Grandtrek all-season tires on the 2013 test car. The 16-inch wheels used previously with base LE trim are gone and 17s now are included with LE and XLE versions. The top Limited trim rolls on 18-inch aluminum wheels. Ride motions are firm and there’s determined control of body rock and roll, but the RAV4’s handling doesn’t prompt visions of track-day excursions.





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5 ways you can sell old gold jewelry and coins for easy cash money

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Sell old gold for cash

It’s not a bad idea to sell your old gold jewelry or coins to help you ride out the recession. Just don’t expect to get the full market value for an ounce of gold that you hear so much about.

First, you’ll get a portion of the scrap value, not the market value, for your gold. Buyers melt the gold down, so they will not pay anything for the artisanship or style of the jewelry. Second, dealers must pay a smelter, someone who melts the gold, up to 30 percent of the value to refine the precious metal. Then there’s the buyer’s profit.

Also, remember, some gold items are purer — and more valuable — than others are. Pure gold is considered 24 karat, or 24k. Think of it as a 24-slice pie — each slice a single karat. Therefore, a necklace that has an ounce of 10k gold has less than half the gold of a necklace with an ounce of 24k gold.

Armed with this knowledge, here are five ways you can sell your gold — each a compromise between price and convenience.

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The #1 Credit Card Message Board & Credit Forum Index page #credit #card #reviews,

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Business Review – Romania – s Premiere Business Weekly #business #advisor

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Featured September 03, 2016 10:20 0 comments BR Exclusive

Each September brings to Bucharest the magic of national composer George Enescu, this year through the contest for young musicians setting out on their path to greatness. Some 174 were chosen to participate in this year’s George Enescu International Competition (biennial since 2014), the only Romanian classical music competition with international recognition, which will be [ ]more

Business Review will present each week the articles that got most views online. Here are the pieces that got most…more

Paweł Tyszkiewicz, chairman of Polish Effie Committee CEO Polish Marketing Communications Association SAR, will chair the jury comprising 90…more





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Tired of Yelp? 7 Alternate Business Review Websites #naming #a #business

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Tired of Yelp? 7 Alternate Business Review Websites

For small business owners, an online collection of honest, authentic customer reviews can help boost both the company s search rankings and reputation. Most consumers check out what others have to say before deciding to patronize a local business, so it s in your best interest to encourage customers to write a review based on their experience with you.

Yelp.com is the current go-to for most local-business reviews, but it s far from the only place consumers are looking. If you want to take greater control of your business s Web presence, here are seven other websites where you can list your company and collect customer feedback.

Angie s List

One of the longest-running and best-known review sites on the Web, Angie s List has become a household name in providing consumers with honest, accurate information about local businesses. Users pay a membership fee to read and write reviews, which are given in the form of a letter grade. Once businesses are signed up, they can add details to their profiles, respond to reviews and interact with members. Additionally, highly rated businesses can earn eligibility to advertise deals and discounts. If you re not listed yet or want to claim a business profile created by a consumer, you can sign up at the Angie s List Business Center. [How to Get Your Customers to Write Reviews]

Facebook

While customers who like your business s Facebook page are able to leave their feedback in the form of posts and comments, you can also have them leave formal reviews and ratings. Starred Facebook reviews first debuted in late 2013, and now any page categorized as a Local Business that lists its physical address can enable the review feature. Since many small businesses use Facebook as a primary method of connecting with customers, it s a smart and convenient platform to encourage, showcase and respond to customer feedback. To learn how to set up Facebook reviews, visit the Facebook Help Center .

Foursquare

Foursquare is best known for its check in feature, which allows people to share their locations via social media. Local businesses who have claimed their listing give customers the ability to not only check in, but also leave ratings and tips (reviews) for other customers when they visit. Signing up for Foursquare for Business lets you access user analytics data, add your own tips and offer customer rewards.

Goodsnitch

The Goodsnitch app is more than just an alternative to Yelp. In fact, the company views itself as the anti-Yelp because it enables customers to give private feedback about an organization. Good feedback, such as outstanding customer service or a high-quality product, is publicly posted, while negative feedback is delivered directly to the business, allowing the company to privately address the issue with the customer. With its mission to recognize hardworking employees and business owners for their good work, Goodsnitch isn t about covering up consumer complaints it s about creating a culture of encouragement and positive feedback among businesses and their customers.

Google Reviews

Most small business owners understand how important it is to be findable via online search, especially Google. One of the best ways to boost your search rankings is to establish a presence on Google+ Local and encourage customers to leave reviews. An active Google+ business page signals to Google that customers are engaging with and searching for you plus, higher customer ratings means better search visibility for you. To learn more, visit BND s Google+ Local guide .

Manta

Manta is a small business directory that helps local American businesses connect with their customers and each other. While reviews are not the primary function of the site, visitors who find your free business profile can leave a recommendation for other users. Manta does offer tips and marketing tools for its business members, but one of the site s most valuable features is the Manta Community, a highly active forum for business owners to ask for and share advice.

MerchantCircle.com

Established in 2005, MerchantCircle.com aims to connect customers with deals, advice and price quotes from local small businesses. The site s search functions are structured primarily by city and business category, and by default, it populates a list of the best (highest rated and most frequently reviewed) merchants in the area. The MerchantCircle Help Center has numerous articles to help new businesses get set up on the site, and offers free business listings and marketing tools to its members.

Nicole Fallon Taylor

Nicole received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor. Reach her by email. or follow her on Twitter .

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