#better business bureau

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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.



#investment ideas

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Investing Ideas: How to Buy and Invest in Stocks

How to Invest in Stocks

So, you want to invest in stocks? The first rule is to invest in what you know, but it s actually not that simple. It s not enough to simply understand the underlying business you have to understand what makes a good investment, well, a good investment. There exist different schools of thought here, and investing is part art and part science. You can predict and hypothesize as much as you desire, but no one really knows exactly what s going to transpire. Some different styles of investing include:

Swing Trader

A swing trading position is held longer than a day trading position, but shorter than a buy and hold investment strategy that can be held for months or years. Typically, a tradable asset would be held for days at a time in order to profit from price changes or ‘swings. Profits can be attained by either buying an asset or by short selling.

Value Investing

A value investor believes that the market overreacts to both good and bad news. He/she would look for stocks that they believe the market has undervalued; thereby profiting by buying when the price is deflated.

Growth Investing

Growth investors invest in companies that show above-average growth. Growth investing focuses on capital appreciation. Growth investing kind of contrasts with value investing.

Great chess players don’t sit at a board and just…play.

Masters of the game have a very concrete plan of how they intend to play. They decision-making that can adapt to whatever their opponents throw at them. Investing is no different: you need a plan to guide your investment decisions!

Deciding What to Invest In

You know you are ready and willing to invest. Now it s time to decide in what. Make sure to:

Research ETFs

Find the exchange-traded fund which track the performance of the industry and check out their holdings.

Choose Sectors

Select your stocks based on specific criteria (sector, industry etc.) Use a screener to further sort companies by dividend yield, market cap and other super useful metrics.

Stay Informed

Keep up-to-date. Read stock analysis articles. Read financial news releases. Stay critical.

Types of Investments


Bonds

Bonds, or fixed-income securities, are debt investments in which an investor loans money to an entity, with interest. The borrower borrows the funds for either a fixed or variable period of time.

Mutual Funds

Mutual funds are operated by money managers and should match the investor s objective. They are made up of a bunch of funds collected from many investors and the purpose is to invest in securities like stocks, bonds, etc.

Small-Cap Stocks

Small-cap investors are the risk takers. These small companies have huge potential for growth. However because they are often under-recognized, more research is necessary. This requires the investor to have more time available to properly crunch numbers.

Large-Cap Stocks

Large-cap investors are more conservative these guys like to play it safe. With their steady dividend payouts, these big-cap blue chip companies are as stable as they come

Penny Stocks

Penny stocks are super high risk because of their lack of liquidity. Beginners are often lured in to these stocks because of their crazy low share price. This allows investors to hold thousands of shares for a relatively small amount of invested capital. With a scale like that, the gain of just a few cents per share can translate into major returns.

Finding Good Stocks to Buy

Within each stock sector, the ultimate goal is to find the stocks that are showing the greatest price appreciation. In the same way that one would pay attention to sectors, multiple timeframes should also be examined to make sure the stock in question is moving well over time. There are two main things to keep an eye on when selecting stocks:


Liquidity

It isn t smart to invest in a stock that has very little volume. What if quick liquidation is required? Selling it at a fair price will be extremely difficult if not impossible. Unless you are a seasoned trader, invest in stocks that trade at least a couple hundred thousand shares per day. Save yourself the headache.

Price

Trade in stocks that are at least $5. Don t shy away from a stock just because of its high price. Don t buy a stock just because of its low price.

Investment Ideas

Want to invest like The Greats? Take a look at the strategies these big guys used to earn their names:

Warren Buffet

Warren Buffet is considered a value investor. Essentially, he selects stocks that are priced at a significant discount to what he believes is their intrinsic value. When Buffett buys stocks, he buys them for keeps. This requires a lot of discipline: it s hard to resist buying or selling when the market seems perfectly ripe to act.

Buffet views the stock market as temperamental. He doesn t panic when stocks plummet, or celebrate when they skyrocket. Instead, the Oracle of Omaha maintains the keep calm and carry on mantra, only buying stocks he intends to hold indefinitely, if not forever.

Peter Lynch

Lynch is also a value investor who stresses fundamental analysis. Lynch s bottom-up approach involves focusing on an individual company, rather than the entire industry or the market as a whole. The idea here is that what really matters is the quality and growth potential of a specific company, regardless of whether the industry is under-performing or even in a tailspin.

Here are 3 additional Lynch stresses when looking at a company from the bottom up:

Good research pays off

Shut out market noise

Invest for the long term

Philip Fisher

Philip Fisher was a growth investor. He consistently invested in well-managed, high-quality growth companies. He would hold on to these for the long term. His famous fifteen points to look for in a common stock were divided up into two categories: management’s qualities and the characteristics of the business itself.

When Fisher found an investment he liked, he wasn t afraid to take an outsized position of the stock within his portfolio. In fact, Fisher sometimes downplayed the value of diversification. He often found himself scouring the tech sector because the pace of c hange there creates an environment that is ripe for disruptive innovations.

Best Stocks to Buy in 2015

Here are some best performing stocks of 2015:



#business card magnets

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Magnets

Adding a magnet is $0.10 each

Common Uses
for Magnets

Small Feature –
Big Impact

Success Stories

“Amazing Mail has exceeded our expectations in every way. They have great customer service, quality products and great communication. We love being able to customize our cards with pop-outs, scratch offs and personalization that adds an extra touch to our cards. Thanks Amazing Mail staff for making our experiences easy, enjoyable and AMAZING.”

“Our company has been using Amazingmail for several years now. We have always received phenomenal customer service and have been so pleased with the variety of mailer options there are to choose from as well as the quality of the mailers we have done. Mailers go out quickly and they are very efficient in their process at Amazingmail! They are always willing to work with us in whatever our needs may be to get things exactly right for our company.”

“We have been thrilled with our Amazingmail experience from the gorgeous product to the helpful support staff. The people at Amazingmail make the whole process completely stress free from design help to list uploads. The postcards look great, the turnaround is fast and it’s all at a price that makes our mailings profitable.”



#best business laptop

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Best Business Laptops 2016 (and Why We Love Them)

What do you need in your next business laptop? Whether it is fast performance, long battery life or just something that won t weigh you down on your daily commute, there s a great notebook for you. Here are our top picks for 2016.

[For more information on how we test mobile devices, visit our testing methodology page .]

Best Laptops For.

  • Ultraportable Laptop Dell XPS 13 (2015)

  • Screen size: 13 inches
  • Battery life: 7:24
  • Desktop dock: Yes
  • Fingerprint reader: No
  • Price: $799.99
  • Screen size: 12.5 inches
  • Battery life: 15:12
  • Desktop dock: Yes
  • Fingerprint reader: Yes
  • Price: $800.10
  • Screen size: 15 inches
  • Battery life: 4:46
  • Desktop dock: No
  • Fingerprint reader: No
  • Price: $449.99
  • Screen Size: 14 inches
  • Battery Life: 8.38
  • Fingerprint Reader: Yes
  • Desktop Dock: Yes
  • Price: $1,394.10

Best Overall Business Laptop

Lenovo ThinkPad X1 Yoga

The ThinkPad X1 Yoga is the most versatile business laptop money can buy, with solid performance, long battery life (check the chart below) and an included active stylus. And like other Yoga laptops, this one has a folding hinge that helps you get a good angle for jotting down digital notes right on its sharp 14-inch display.

The laptop has a flexible folding design and a built-in active stylus, which makes it easy to jot down notes and annotate documents right on its 14-inch display. It also lasts really long on a charge and has an excellent keyboard. – See more at: http://www.businessnewsdaily.com/8720-lenovo-thinkpad-x1-yoga-business.html#sthash.qiFrf3Qg.dpuf

Click here for a full review of the ThinkPad X1 Yoga from Busiess News Daily.

Best Ultraportable Laptop

Dell has refreshed its super-portable XPS 13 notebook with a more powerful processor, speedier storage and a bigger battery, without changing its stunning design. That makes the XPS 13 an even better option for commuters and frequent travelers who don t want to be weighed down.

  • Thin-and-light design
  • Long battery life
  • Fast performance
  • Excellent keyboard

Click here for a full review of the Dell XPS 13 from Business News Daily.

Best Laptop/Tablet Hybrid

Thanks to its much-improved keyboard, we finally feel comfortable calling the latest device in Microsoft s Surface Pro line our favorite 2-in-1 laptop for business. No other hybrid device can quite match the Surface Pro 4 s combination of portability, power and versatility. That includes top-notch pen support, so you can take notes right on the slate s display.

  • Kickstand
  • Digiziter stylus (included)
  • Keyboard (sold separately)
  • USB port
  • SD card slot

Click here for a Surface Pro 4 full review of the Surface Pro 4 from Business News Daily.

Best Small Laptop

Lenovo ThinkPad Yoga 12

The ThinkPad Yoga 12 is my favorite business notebook with a screen under 13 inches. You get a compact 12.5-inch screen, an industry-leading keyboard and good battery life. And true to its name, the Yoga 12 s screen can fold backward a full 360 degrees so you can use it like a tablet. Plus, the machine comes with a top-notch Wacom pen digitizer and a built-in stylus, so you can take notes right on the notebook s display. And since it s a ThinkPad, you get great business features like an extra-durable design, a TrackPoint pointing stick and a desktop docking port. Plus, it matches up very well against non-hybrid competitors in terms of performance (see chart below).

Best Chromebook

Toshiba Chromebook 2

Chromebooks aren t for everyone, but they re an affordable alternative for business users who have only basic computing needs. Toshiba s Chromebook 2 is the best overall package, offering a sharp, 13-inch display; a slim, lightweight frame; an impressive 8 hours of battery life; and faster performance than competing Chromebooks (see chart below). And you get all that for an affordable $329. Like other Chromebooks, this model runs on Chrome OS, which is not compatible with software made for Windows or Mac computers. Regardless, the Chromebook 2 is a great bargain for users who primarily want to check email, browse the Web and run basic apps.

Click here for a full review of the Chromebook 2 from our sister site Laptop Mag.

Best Budget Laptop

Asus VivoBook E403SA

The VivoBook E403SA delivers more bang for your buck than just about any other laptop, providing zippy performance in a slim package for just $400. You also get a 14-inch, full-HD display, a comfy keyboard and a lightweight design that won t weigh you down on your commute. Plus, its battery lasts all day.

Best Battery Life Laptop

Lenovo ThinkPad X260

Lenovo s ThinkPad X260 is the longest-lasting laptop on the market, bar none. It ran for an amazing 17 hours on a single charge, so it will have no trouble lasting through a long business flight or two. The X260 also gives you a durable design, strong security and fast performance even if it s a bit bulkier than other 12.5-inch notebooks.

  • Long battery life
  • Durable design
  • Excellent keyboard
  • TrackPoint pointing stick
  • Fingerprint reader (optional)

Click here for a full review of the Lenovo ThinkPad X260 from our sister site Laptop Mag.

[For more information on how we test mobile devices, visit our testing methodology page .]