Tag : Better

How Business Intelligence Helps Small Businesses Make Better Decisions #secured #business #loans


#business intelligence

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How Business Intelligence Helps Small Businesses Make Better Decisions


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We often talk about the benefits of business intelligence, but we rarely explain what business intelligence is and why you should even consider it. More often than not, we are faced with this dilemma as we find ourselves excited at the “prospect” of what our business intelligence (BI) tools should offer, without knowing what it really can do.

In a recent blog post published by Panorama, they tackled an important yet simple business question, “What is Business Intelligence ?”

BI is a tool that helps organizations improve decision making by tracking, processing, storing and analyzing data and transforming it into insights. Business users can in turn use these insights to make the right decisions in the right time, cutting costs, identifying new business opportunities and improving their organization’s performance.

Do we need business intelligence?

Today we live in a world where organizations collect and store huge amounts of data. If that data is not put to good use to serve the company for a specific purpose, it becomes a heavy and expensive burden for the organization. It is very easy to get lost in all the data as the analysis process can be long and tedious; but with BI, the process becomes optimized plus with solutions like panorama NECTO 16. it has become almost automatic! Users can get knowledge that will improve their decision making in just two clicks!


Credit

Not only large corporations need BI. Small businesses do too!

When most of us started our businesses, business intelligence (BI) was a special treat only the big-chip companies could enjoy, because well, employing analytics software required building data centers and hiring IT specialists and consultants.

If it helps big organizations make better business decisions, then it should be able to help small business make sound and effective decisions for their businesses too!

Times have changed, and today, small business BI is a booming industry. The same technological explosion that made the whole world fit into our pockets; in the shape of a smartphone or a tablet, also drastically reduced the size and cost of analytical solutions. For the first time, it is possible for small businesses to deploy BI to fulfill different needs, analyze their performance, predict their future, and make better decisions.

For small businesses where one person is a jack of all trades, it means that your employees can pull out the particular piece of information they need even if it exceeds their immediate area of expertise.

Through this, members of your team are empowered to view the same data from multiple locations and make data-driven decisions together. Business intelligence for small business doesn’t require any programming knowledge; neither need you to invest in trainings. All you need to do is to create a dashboard that will make everybody, from the top of the ladder to the bottom, understand that regular data analysis pays off. Gathering high-quality data is not a one-time effort and you must re-evaluate your goals periodically to determine whether your BI setup is helping you achieve them. The more you empower individuals to use and share data, the better their access to vital customer and financial information, then the more effective they will be in contributing to the achievement of your goal.

Also, getting visual is one of the best ways to explore and understand data, particularly when presenting it to customers, investors or other stakeholders. To present data in a digestible and persuasive way and not to lose your audience’s attention, it’s advisable to use infographics – best choice of BI for small businesses. With this smart solution you can display business data on compelling charts without spending too much time on chart formatting and design.

Furthermore, it helps you to grow your business. How is it possible? BI tools are smart and will help you reveal some trends in your past performance that could otherwise go unnoticed. You can identify crucial trends in your data with the potential to unlock new growth opportunities. By analyzing your past performance in context and trying to understand the factors that influenced the best or worst results, you can discover the key to the future growth.

However, please note.

When small businesses go shopping for BI and analytics solutions. the tendency can be to take a giant leap. The prospect of having all your data integrated and available to end users sounds exciting.
Also, management may think the system they buy should accommodate any future needs that may arise as the business grows. This may make many of them to lose sight of the fact that the solution must be simple and easy to manage in order to be successful in the long term.

Of course, the sweet talking salesmen from different solution providers also play a role in confusing the decision makers and making them sway from their immediate needs, and they sell a complicated system that’s far too expansive for a small business that basically only needs to analyze little data.

Therefore, the best approach for a small business is to consider a BI suite that provides the best data connectors for their most important data. Business intelligence solutions with straight-forward incorporation requirements and immediate impact, is a much better alternative for small companies.

More:

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Better business finance – business finance support: Home #side #business #ideas


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Entrepreneurial Ideas for Better Revenue #online #business #opportunity


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Prioritize This: 3 Entrepreneurial Strategies for Increased Revenue

If we are talking business, it all pans down to revenues. Be it a tested firm or something like a startup; entrepreneurial moves aren’t easy to make, provided the resources are limited and competition is fierce.

Firstly we need to shift our focus to valueless assets, transforming them into powerful ammunitions.

Once the resourceful attributions are made, shifting onto experience will be immensely helpful.

Most firms fail to comply with the rule of patience as earning profits at the first attempt is actually close to impossible.

That said, experience does play an important role, adding those extra pounds to our entrepreneurial punches.

For a business to succeed, associates need to strike a perfect balance between customers and employees. Failure to do so might just have catastrophic outcomes.

To be precise it all starts with a “will” and concludes in “willingness”. However, we still have to address these three areas in order to drive in traction and revenues:

Avoid Overindulgence

Before even starting off with the firm, associates need to identify the core market. It often gets difficult to target the exact chunk of audience, more so due to the unapologetic competition.

Admittedly, it all comes down to intellect and innovation, provided the entire market is selling the same thing. As a tip, we always need to concentrate on our specialty even while expanding the business. There will always be that one thing which will help define our expertise, may it be the service or object that was sold in the first place.

That one thing has to be transformed into the best possible option for the customer rather than bombarding them with several good ones. Google does the same as even after indulging into every other vicinity, it still prioritizes mapping schemes, email techniques and browsing essentials.

Google has mastered these and excels at providing the concerned services. It is still advisable to look for different options but improving the core service will surely yield satisfying results, at least in the long run.

Availability

Owners who aren’t available to the customers often falter while travelling that extra mile. Suppose we as founders have a definite idea about the service or product. The customers might have a different viewpoint and it’s imperative to know and include the same. We must develop a habit of listening to the audience as it will then help create something with a humongous earning potential.

Plan toward a “Customer Service Team,” comprising of intelligent yet emotional individuals. Subject matter and product experts are usually desired. This way we can easily fix the weaker areas by tracking into the redundancies. This offers data-centric insights allowing easy yet effective interpretations.

For example, a firm that helps people issue identification proofs in coalition with government must comprehend the user will with immediate effect. This would lead to added traffic and better opportunities even for the prospective customers. Creating a blog with substantial information or offering ID related solutions are some of the customer-centric strategies that need to be adopted.

Instilling these will help identify the drop offs and other aspects of business evolution. In a nutshell, we all should listen to our customers as the insights might be path-breaking and help improve the existing set of services.

Pivoting on Demand

We all have ideas lingering inside our heads when it comes to business. But the best option is to be flexible and pivot as per customer requirements. For a business to succeed, we must gather customer feedback and valuable insights leading to the product roadmap.

Every project has an internal team awaiting a green signal from the founders. The product might be a hit with the team but might again resonate with the wide customer base. If that is the case, take the possible hints and pivot accordingly. Ideas do come in plenty but the best option would be to discuss and make the best ones work.

The excitement for something specific is evident but for a business to succeed, customer satisfaction is always at the forefront.

In simple terms, we must look to unify the product, tying the same around the core value.

These are some of the ideas that need to be looked at before planning the desired infrastructure. Many readers will look to make quick money or establish a startup but these three norms expose the unattended areas of entrepreneurship.

Out here we look to inculcate customer-centric relationships. based on their preferences, ideas and requirements.

There are no comments so far. Start a discussion!

Richard Smith is a budding entrepreneur and an experienced marketing professional with a decade long expertise in social media marketing, business technology and workforce management. Richard is well-versed with myriad web analytics and his posts on the deep-seated concepts of online marketing have been very popular with established businesses. In his leisure, Richard prefers indulging into technological excavates that can assist and automate most of his basic chores.

Posts by Richard Smith



How Business Intelligence Helps Small Businesses Make Better Decisions #business #franchise #opportunities


#business intelligence

#

How Business Intelligence Helps Small Businesses Make Better Decisions


Credit

We often talk about the benefits of business intelligence, but we rarely explain what business intelligence is and why you should even consider it. More often than not, we are faced with this dilemma as we find ourselves excited at the “prospect” of what our business intelligence (BI) tools should offer, without knowing what it really can do.

In a recent blog post published by Panorama, they tackled an important yet simple business question, “What is Business Intelligence ?”

BI is a tool that helps organizations improve decision making by tracking, processing, storing and analyzing data and transforming it into insights. Business users can in turn use these insights to make the right decisions in the right time, cutting costs, identifying new business opportunities and improving their organization’s performance.

Do we need business intelligence?

Today we live in a world where organizations collect and store huge amounts of data. If that data is not put to good use to serve the company for a specific purpose, it becomes a heavy and expensive burden for the organization. It is very easy to get lost in all the data as the analysis process can be long and tedious; but with BI, the process becomes optimized plus with solutions like panorama NECTO 16. it has become almost automatic! Users can get knowledge that will improve their decision making in just two clicks!


Credit

Not only large corporations need BI. Small businesses do too!

When most of us started our businesses, business intelligence (BI) was a special treat only the big-chip companies could enjoy, because well, employing analytics software required building data centers and hiring IT specialists and consultants.

If it helps big organizations make better business decisions, then it should be able to help small business make sound and effective decisions for their businesses too!

Times have changed, and today, small business BI is a booming industry. The same technological explosion that made the whole world fit into our pockets; in the shape of a smartphone or a tablet, also drastically reduced the size and cost of analytical solutions. For the first time, it is possible for small businesses to deploy BI to fulfill different needs, analyze their performance, predict their future, and make better decisions.

For small businesses where one person is a jack of all trades, it means that your employees can pull out the particular piece of information they need even if it exceeds their immediate area of expertise.

Through this, members of your team are empowered to view the same data from multiple locations and make data-driven decisions together. Business intelligence for small business doesn’t require any programming knowledge; neither need you to invest in trainings. All you need to do is to create a dashboard that will make everybody, from the top of the ladder to the bottom, understand that regular data analysis pays off. Gathering high-quality data is not a one-time effort and you must re-evaluate your goals periodically to determine whether your BI setup is helping you achieve them. The more you empower individuals to use and share data, the better their access to vital customer and financial information, then the more effective they will be in contributing to the achievement of your goal.

Also, getting visual is one of the best ways to explore and understand data, particularly when presenting it to customers, investors or other stakeholders. To present data in a digestible and persuasive way and not to lose your audience’s attention, it’s advisable to use infographics – best choice of BI for small businesses. With this smart solution you can display business data on compelling charts without spending too much time on chart formatting and design.

Furthermore, it helps you to grow your business. How is it possible? BI tools are smart and will help you reveal some trends in your past performance that could otherwise go unnoticed. You can identify crucial trends in your data with the potential to unlock new growth opportunities. By analyzing your past performance in context and trying to understand the factors that influenced the best or worst results, you can discover the key to the future growth.

However, please note.

When small businesses go shopping for BI and analytics solutions. the tendency can be to take a giant leap. The prospect of having all your data integrated and available to end users sounds exciting.
Also, management may think the system they buy should accommodate any future needs that may arise as the business grows. This may make many of them to lose sight of the fact that the solution must be simple and easy to manage in order to be successful in the long term.

Of course, the sweet talking salesmen from different solution providers also play a role in confusing the decision makers and making them sway from their immediate needs, and they sell a complicated system that’s far too expansive for a small business that basically only needs to analyze little data.

Therefore, the best approach for a small business is to consider a BI suite that provides the best data connectors for their most important data. Business intelligence solutions with straight-forward incorporation requirements and immediate impact, is a much better alternative for small companies.

More:

From Our Partners



Better Business Bureau: Trump Lied About Trump University Rating #business #opportunity


#better business bureau

#

Better Business Bureau: Trump Lied About Trump University Rating

The Better Business Bureau on Tuesday briskly refuted a number of statements that Republican presidential candidate Donald Trump has made about Trump University, the now-defunct real estate seminar provider that many students allege was a scam.

In last Thursday’s Republican debate, the candidate defended Trump University despite the multiple lawsuits brought by former students and the state of New York.

Challenged by Fox News moderator Megyn Kelly about Trump University’s D-minus rating from the Better Business Bureau, Trump said that “right now it is an A.”

During a commercial break, Trump was caught on camera presenting the debate hosts with a piece of paper that he said showed that rating. “The Better Business Bureau just sent it,” Trump can be heard telling Fox News moderator Bret Baier. “This just came in, we just got it.”

“The BBB did not send a document of any kind to the Republican debate site last Thursday evening,” the nonprofit organization said on Tuesday. “The document presented to debate moderators did not come from BBB that night.”

As to Trump’s basic claim, the watchdog group said, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been ‘No Rating’ since September 2015. Prior to that, it fluctuated between D- and A+.”

Following the debate on Thursday, Trump tweeted what he said was the official A rating for the Trump Entrepreneur Initiative, a later name for Trump University.

On Tuesday, the Better Business Bureau said, “The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Furthermore, the nonprofit stated, “Trump University has never been a BBB Accredited Business. The document handed to the debate moderators on Thursday night could not have been an actual ‘Better Business Bureau accreditation notice’ for this business.”

Here’s the current review of the Trump Entrepreneur Initiative.

Better Business Bureau

Not only did the Better Business Bureau refute Trump’s claims about Trump University’s current grade; it also refuted his claim that the enterprise has “a 98 percent approval rating from the people who took the course [because] people like it. many did tremendously well, and made a lot of money.”

Here’s how the bureau tells it: “During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business. These complaints affected the Trump University BBB rating, which was as low as D- in 2010.”

How did it ever have an A rating?

The company closed in 2011, and after that, the Better Business Bureau said, “no new complaints were reported.” Complaints that are more than three years old “automatically rolled off of the Business Review, [and] over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Trump, however, claimed the opposite was true. He said the Better Business Bureau simply hadn’t had enough information about Trump U, and that’s why it received a D-minus. “Before they had the information,” the program scored poorly, he said, but “once they had the information. it is right now an A.”

More than 5,000 people are suing Trump and Trump University in California, where a class action suit alleges that many students spent more than $30,000 on what they were told would be a real estate investment mentorship, personally designed and overseen by Trump.

Watch the real estate mogul’s promotional video for Trump University:

In fact, the former students allege that Trump played no part in designing the course, choosing the teachers or mentoring students.

A second case brought by New York Attorney General Eric Schneiderman was cleared by an appeals court to move forward last week. This means voters are likely to hear a lot more about Trump University in the coming months.

The candidate tried to play down the seriousness of the allegations on Thursday, yelling, “It’s just a minor case! It’s a minor case!” over the voices of debate moderators.

On Monday, Trump also released a video (see below ) in which he singled out two people who asserted they’d been scammed by his seminar company. He accused them of saying “horrible things” and warned “we’re looking” for a third person.

A spokeswoman for Trump’s campaign and a lawyer for Trump’s business both declined to comment on the Better Business Bureau’s statement.



How Business Intelligence Helps Small Businesses Make Better Decisions #business #strategy


#business intelligence

#

How Business Intelligence Helps Small Businesses Make Better Decisions


Credit

We often talk about the benefits of business intelligence, but we rarely explain what business intelligence is and why you should even consider it. More often than not, we are faced with this dilemma as we find ourselves excited at the “prospect” of what our business intelligence (BI) tools should offer, without knowing what it really can do.

In a recent blog post published by Panorama, they tackled an important yet simple business question, “What is Business Intelligence ?”

BI is a tool that helps organizations improve decision making by tracking, processing, storing and analyzing data and transforming it into insights. Business users can in turn use these insights to make the right decisions in the right time, cutting costs, identifying new business opportunities and improving their organization’s performance.

Do we need business intelligence?

Today we live in a world where organizations collect and store huge amounts of data. If that data is not put to good use to serve the company for a specific purpose, it becomes a heavy and expensive burden for the organization. It is very easy to get lost in all the data as the analysis process can be long and tedious; but with BI, the process becomes optimized plus with solutions like panorama NECTO 16. it has become almost automatic! Users can get knowledge that will improve their decision making in just two clicks!


Credit

Not only large corporations need BI. Small businesses do too!

When most of us started our businesses, business intelligence (BI) was a special treat only the big-chip companies could enjoy, because well, employing analytics software required building data centers and hiring IT specialists and consultants.

If it helps big organizations make better business decisions, then it should be able to help small business make sound and effective decisions for their businesses too!

Times have changed, and today, small business BI is a booming industry. The same technological explosion that made the whole world fit into our pockets; in the shape of a smartphone or a tablet, also drastically reduced the size and cost of analytical solutions. For the first time, it is possible for small businesses to deploy BI to fulfill different needs, analyze their performance, predict their future, and make better decisions.

For small businesses where one person is a jack of all trades, it means that your employees can pull out the particular piece of information they need even if it exceeds their immediate area of expertise.

Through this, members of your team are empowered to view the same data from multiple locations and make data-driven decisions together. Business intelligence for small business doesn’t require any programming knowledge; neither need you to invest in trainings. All you need to do is to create a dashboard that will make everybody, from the top of the ladder to the bottom, understand that regular data analysis pays off. Gathering high-quality data is not a one-time effort and you must re-evaluate your goals periodically to determine whether your BI setup is helping you achieve them. The more you empower individuals to use and share data, the better their access to vital customer and financial information, then the more effective they will be in contributing to the achievement of your goal.

Also, getting visual is one of the best ways to explore and understand data, particularly when presenting it to customers, investors or other stakeholders. To present data in a digestible and persuasive way and not to lose your audience’s attention, it’s advisable to use infographics – best choice of BI for small businesses. With this smart solution you can display business data on compelling charts without spending too much time on chart formatting and design.

Furthermore, it helps you to grow your business. How is it possible? BI tools are smart and will help you reveal some trends in your past performance that could otherwise go unnoticed. You can identify crucial trends in your data with the potential to unlock new growth opportunities. By analyzing your past performance in context and trying to understand the factors that influenced the best or worst results, you can discover the key to the future growth.

However, please note.

When small businesses go shopping for BI and analytics solutions. the tendency can be to take a giant leap. The prospect of having all your data integrated and available to end users sounds exciting.
Also, management may think the system they buy should accommodate any future needs that may arise as the business grows. This may make many of them to lose sight of the fact that the solution must be simple and easy to manage in order to be successful in the long term.

Of course, the sweet talking salesmen from different solution providers also play a role in confusing the decision makers and making them sway from their immediate needs, and they sell a complicated system that’s far too expansive for a small business that basically only needs to analyze little data.

Therefore, the best approach for a small business is to consider a BI suite that provides the best data connectors for their most important data. Business intelligence solutions with straight-forward incorporation requirements and immediate impact, is a much better alternative for small companies.

More:

From Our Partners



Better Business Bureau: Trump Lied About Our Ratings #free #business #templates


#better business bureau

#

Better Business Bureau: Trump Lied About Our Ratings

The Council of Better Business Bureaus is calling out Donald Trump for what appears to have been a brazen effort to mislead the Fox News hosts who moderated last week’s Republican presidential debate, as well as the millions of Americans who tuned in to watch last Thursday night.

During the debate, the moderators and Trump’s opponent, Florida Sen. Marco Rubio, brought up the subject of Trump University, a now-defunct business that Trump established to sell supposedly educational courses and seminars on entrepreneurship. Trump University is currently being sued for fraud by numerous former students, who said that they were pressured to take on debt to pay for tens of thousands of dollars in fees and that the company did not deliver the type of educational experience it promised.

Related: Trump Numbers Are Falling – How Far Can They Go?

On stage last week, Trump angrily challenged criticism of Trump University, insisting that the organization had a “98 percent” approval rating among its students.

But it was when Rubio brought up the company’s D- grade from the Better Business Bureau that Trump really started to get creative.

He conceded that at one point the company did have a D- rating from the Better Business Bureau, but he said the rating was poor only because Trump University hadn’t bothered to submit data to the BBB. He insisted that the grade was subsequently “elevated to an A” once the data was supplied.

“The only reason that is was a D was because we didn’t care — we didn’t give them the information. ” Trump said. “When they got the information it became an A.”

Related: Here’s Why Donald Trump’s Lies May Be Good for U.S. Politics

During a commercial break, Trump was given a fax from his staff, which he handed to Fox moderator Bret Baier. He later posted the document on Facebook. It appeared to be a BBB Business Review giving Trump University (actually, Trump Entrepreneur Initiative, after a 2011 name change) an A grade.

At least one news organization reported, at the time, that the document appeared to have been faxed to the Fox News set by the BBB itself.

On Tuesday, the Council of Better Business Bureaus issued a detailed statement setting the record straight.

“BBB did not send a document of any kind to the Republican debate site last Thursday evening,” it read. “The document presented to debate moderators did not come from BBB that night.”

It continued, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been “No Rating” since September 2015. Prior to that, it fluctuated between D- and A+. The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Related: Irony Alert: Trump Is Upset that Ted Cruz Is Lying

More damning, though, was the BBB’s account of how Trump University’s rating went from a D- to an A. The BBB said that, despite Trump’s claims to the contrary, the rating was never increased as a result of new information received from the company.

What happened is that as Trump University failed as a business, it stopped attracting new students, and with no new students, there were no more complaints filed to the BBB.

“During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business,” the statement said. “These complaints affected the Trump University BBB rating, which was as low as D- in 2010. As the company appeared to be winding down, after 2013, no new complaints were reported.

“Complaints over three years old automatically rolled off of the Business Review, according to BBB policy. As a result, over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Related: Trump’s Net Worth Isn’t His Only Claim That’s Fake

In other words, Trump was lying about Trump University’s rating on national television, and even provided misleading documentary evidence in real time to help him make his case.

In a sane campaign season, this sort of thing would be utterly disqualifying, but whether it will have much effect on Trump’s core support is doubtful. The billionaire’s supporters have proven remarkably immune to factual arguments about Trump’s obvious deficiencies as a candidate, and uninterested in proof that he frequently lies to them .



10 Tips For Selling Your Gold for Cash – ABC News #gold,

#

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Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

10 Tips For Selling Your Gold for Cash

In today’s swerving economy, stocks are out, and gold is in.

The price of gold is up 20 percent since the beginning of 2011, and by mid-August gold was going for over $1,700 per ounce. At times on Monday, its spot price hovered near $1,900 per ounce.

So how do you cash in?

If you’re like thousands of Americans, you go to a gold party, the hottest trend on the block, where you can have your jewelry appraised and get paid cash on the spot.

But not so fast.

With every good deal comes a case of buyer’s and, in this case, seller’s beware, a reminder that consumers should do their homework before selling their jewelry at gold parties or in a local jewelry store.

The Better Business Bureau (BBB) advises consumers that while gold parties may be a fun and convenient way to make some cash, they may not provide you the best deal.

Follow these tips from BBB to make sure you’re getting the best value for your gold.

1: Understand the Scales

The weight of gold helps determine its value, but keep in mind that jewelers use a different measurement standard called a Troy ounce. U.S. scales will measure 28 grams per ounce, while gold is measured at 31.1 grams per Troy ounce. Some dealers may also use a system of weights called pennyweight (dwt) to measure a Troy ounce, while others will use grams. A pennyweight is the equivalent of 1.555 grams. Be alert that a dealer does not weigh your gold by pennyweight but pay you by the gram, a sneaky way for the dealer to pay you less for more weight of gold.

2: Know Your Karats text: Pure gold is too soft to be practically used so it is combined with other metals to create durability and color. The Federal Trade Commission (FTC) requires that all jewelry sold in the U.S. describe a karat fineness of the alloy. One karat equals 1/24 of pure gold by weight. So 14 karats would mean the jewelry was 14 parts gold and 10 parts other metals. It is illegal for jewelry to be labeled “gold jewelry” if it is less than 10 karats. It is important to know the karats of your gold to make an informed decision on the scrap value of your jewelry.

3: Keep Your Karats Separate

Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value before attending a gold party.

Call a local jewelry store or check with an online source, such as www.goldprice.org. to verify the current market price for gold before you sell. Some dealers know people are just looking for quick cash to put in their pockets and will offer you money for your gold that is lower than the actual value.

Check out jewelry stores and gold buyers registered with BBB at www.bbb.org. A BBB Business Review tells basic information about the business as well as any complaints and whether the complaints have been resolved when presented to the business by BBB.

6: Know What You Are Selling

Some gold items may be worth more when sold as they are, rather than if they are melted down. If your gold necklace or bracelet comes from a well-known designer or maker, it may have a value to some buyers beyond the gold it’s made of.

7: Know the Fine Print

If you choose to use a mail-away service, make sure you understand the terms and conditions. Send the items insured. Find out how long before you get reimbursed, how long they will keep your gold before melting it down, and how many days you have to turn down the offer. Take photos of your items before sending and make sure you hold on to all relevant paperwork and filings.

Remember, you don’t have to jump at the first offer for your gold. Shop around for a few different bids. To ensure you are really getting the best price for your jewelry, have it appraised before selling. This may cost you more up front, but your jewelry may be worth more than its weight when you include workmanship, artistic value, and embedded gems for the piece as a whole.

Keep in mind that gold parties, often hosted by friends and neighbors, are really more about fun than value. Taking all factors into consideration, sellers at gold parties will likely get between 70 and 80 percent of the real value of their item.

Gold buyers are required by law to ask sellers for government-issued identification, This requirement is designed to protect consumers by helping police investigate the sale of stolen property and prevent money laundering. All reputable gold buyers comply with these rules, so ifyou don’t get asked to show your I.D. be warned.



How to File a Complaint With the Better Business Bureau Online #better

#

How to File a Complaint With the Better Business Bureau Online

The Better Business Bureau (BBB) is a group of private BBB organizations in the US and Canada that aim to facilitate a fair marketplace for both businesses and consumers. The organization gathers information regarding reliability, fraud, and ethical business practices and informs the public of scams and other business-related issues. The BBB also provides consumers with the ability to file complaints that can help the organization act as a mediator between the consumer and the business in question. If you have a problem with a business, you should first try to resolve it directly and then use the BBB website to file an online complaint.

Steps Edit

Part One of Four:
Framing the Details of Your Complaint Edit

Contact the company directly. If you have a problem with a vendor, your first course of action should be to contact the vendor directly. You may be able to resolve the problem quickly in this way. For example, if you purchased an item that you do not believe matches what was advertised, you could take it back to the store and ask for a refund. [1] [2]

Make a formal request in writing. If your first attempt at resolving the problem does not lead to a successful result, you should document your problem in writing. This will serve two purposes. It will give the vendor another opportunity to satisfy your concerns before the problem becomes bigger. It will also give you some documentation of the problem, which you will be able to use when you file your online complaint with the BBB. [3]

  • In your written letter, you should clearly identify the problem and the resolution that you would like. For example, you might say, “I am writing because the Acme Widgets that I bought do not glow in the dark, as the advertising claims. I would like to return them for a full refund.”
  • Summarize your prior efforts to resolve the problem. You should provide the dates and locations of any contacts you made with anyone from the company. For example, you might say, “On October 1, 2016, I returned to the Acme store in Anytown, USA, and I spoke with the manager, Mr. Smith. I asked to return the widgets, but he told me he would not refund my money.”

Keep a copy of any letter that you send. In most cases, if your first effort to resolve the problem was not successful, you are not going to change the result just by putting your concerns in writing. The purpose of the letter is to provide documentation for your BBB complaint. Make sure that you keep a copy of the letter. If possible, you should print and sign the letter, and then save a scanned copy of the letter so you can upload it into your online BBB complaint. [4]

Understand the limitations of filing a BBB complaint. The BBB will accept certain types of complaints and will attempt to help you resolve the dispute with the company. However, there are several types of disputes that the BBB will not accept. These disallowed issues include: [5]

  • Employee/employer disputes
  • Discrimination claims
  • Matters that are/have been litigated/arbitrated
  • Complaints against individuals not engaged in business
  • Issues challenging the validity of local, state, or federal law
  • Complaints against government agencies, including the postal service
  • Matters not related to marketplace issues

Notify your local chamber of commerce. Most local communities have a chamber of commerce. This is an organization of the businesses in the community, which provides a variety of services for both the businesses as well as consumers in the area. You may wish to contact your local chamber of commerce to find out if they have a formal complaint process.

Contact the attorney general for your state. In most states, the attorney general’s office may contain a consumer affairs bureau or department. You should check your state’s official website to find contact information for this office, and then contact them with the details of your complaint. The attorney general does not always get involved with individual complaints, but if your concern indicates a larger consumer problem, the attorney general may take legal action. [15]

  • For example, in Indiana, the attorney general website contains a link for you to file an online complaint directly to their office. [16]
  • The Massachusetts attorney general has a Consumer Advocacy and Response Division that accepts and responds to consumer complaints. [17]

Post your concerns online or on social media. Although you may not resolve your problem this way, you can warn other consumers and perhaps exert some pressure on the company. Post your concerns on Facebook or Twitter. You may also use a source like Yelp.com to post your complaint. [18]

Take legal action in court. If the amount of money involved is substantial, and you still have not received satisfactory treatment, you may wish to take legal action in court. For this, you should consult with a local attorney. An attorney can help you review the details of your case and determine if you have a valid claim that can be satisfied in court. An attorney can also help guide you through the legal process with drafting and filing a complaint, and taking the case to settlement or trial. [19]

  • If the amount is within a particular dollar amount, you may be able to file a complaint in small claims court. This is a division of your local trial court that has simplified procedures and generally easier paperwork. For information, you should contact the trial court in your county.


What s the Better Buy: a Consumer or a Business Laptop? #find

#business laptops

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What s the Better Buy: a Consumer or a Business Laptop?

Laptop makers such as Dell, HP, and Lenovo carefully label and target their laptops for either “business users” or “home users,” which implies that they’ve done their homework for you and selected the best models for your type of usage.

But even if you’ll be using the laptop in your living room rather than during board meetings, should you skip shopping in the business laptop department altogether? The answer is, well, it depends.

I compared similarly configured consumer and business laptop offerings from several major laptop vendors, and found several good reasons for home users to consider business laptops–including more configuration options and better warranties.

But it isn’t always a cut-and-dried decision. Here’s what you need to keep in mind when selecting your next laptop.

Six Reasons to Consider a Business Laptop

Lenovo’s ThinkPad T420 business laptop. Better durability and build quality: Business laptops are designed to take a beating, literally in some cases. Lenovo’s ThinkPad line of business laptops are military-spec-tested to endure heat, humidity, pressure, shock, and other extremes so that the laptops can survive anything business travelers and outdoor workers toss at them. (Seriously, Lenovo testers even throw laptops out of airplanes .)

The company’s IdeaPad consumer laptops don’t get that same extreme treatment, because regular laptop users supposedly don’t torture their laptops as much.

Even if you don’t plan on working in severe conditions, a business laptop’s more rugged design may help you get more long-lasting value out of your laptop, thanks to the use of premium materials. The HP ProBook 4530s laptop for professionals, for example, might look quite similar to the silver HP Pavilion dv6t in the consumer line, but the ProBook 4530s is constructed of “high-strength precision-formed aluminum” while the dv6 simply has a metallic finish. The ProBook’s aluminum is deeply anodized to be scratch-, smudge-, and wear-resistant.

The Asus U36S, a high-end consumer laptop. However, high-end materials have started to show up in premium consumer ultraportable laptops, such as the Asus U36S. which has a magnesium-aluminum alloy cover. But business laptops generally are still constructed and tested to be tougher.

For instance, Asus reinforces its business-oriented B23E laptop with metal hinges and metal brackets to cushion the hard drive, and tests both the hinges and the panels beyond consumer standards. Here’s some information on how Asus tests .

And the Dell E6520 not only has a spill-resistant keyboard (a protective seal guards against everyday spills), it also comes with a 360-degree bumper around the LCD panel, and even its latch is made of a zinc alloy for durability.

More build-to-order options: You’ll find many preconfigured laptop models to choose from in the home/consumer site of any major laptop manufacturer, but if you want to fine-tune a laptop’s specifications to a greater extent, head to the business side.

For example, with the entertainment-focused Lenovo IdeaPad Y470. you can select from consumer models with Intel Core i3, i5, or i7 processors and different memory and hard-drive capacities. But your customization options for those models are limited to adding on more years to the warranty or selecting laptop accessories.

Select the business-oriented Lenovo ThinkPad T420 model, on the other hand, and you can opt for a higher-resolution display, swap in a discrete graphics card, upgrade the hard drive, add a fingerprint reader, and much more–at additional cost, of course.

Longer warranties and better support: If you want more protection for your laptop, business laptop warranties typically trump consumer ones. The Toshiba, Dell, and Asus business laptops I looked at, for example, came with standard three-year warranties, versus a one-year warranty on the consumer models.

The ThinkPad was configurable for up to a four-year warranty, while the IdeaPad warranty only went up to three years. Each year of additional protection and support is worth between $50 and $100 dollars, and gives you more peace of mind should your laptop break down beyond a one-year period.

Priority service is also sometimes available to owners of business laptops, whether or not you use it for business purposes. HP EliteBook buyers, for example, will soon be getting their own dedicated tech support person to talk to.

Additional security built in: Because lost business laptops are a huge liability and concern for business owners and IT departments, security features that consumer laptops don’t get are practically standard here. All of the business laptops I looked at offer at least the option to add a fingerprint reader, and many come with TPM (Trusted Platform Module) Embedded Security chips to encrypt your laptop’s data. HP touts its own suite of security tools (“ProtectTools”) that promises to wipe your drive remotely, shred files, check credentials on boot-up, and more.

More expansion and connectivity options: Want to quickly plug in or unplug your laptop from an external monitor and the many peripherals you own? A business laptop is more likely to have a matching docking station or port replicator, perhaps because business users are more likely to want a setup both at the office and at home, or because they need quick connectivity if they travel often.

Matte screens: Finally, consumer laptops tend to come with glossy displays that may show vibrant colors but also are subject to terrible glare. Business laptops generally have antiglare displays or at least antiglare options. These screens are easier on the eyes, easier to view outdoors, and have better viewing angles.

Next: Four Reasons to Buy a Consumer Laptop

What s the Better Buy: a Consumer or a.