Rate Calculation  
  What does the number next to a listing mean?
The number you see next to every listing is its rating, a figure that combines three essential advisor attributes:

  • Quality—how many stars (on a 1-to-5 scale) customers give this advisor after each live conversation (note: Quality ratings can only be given for live conversations or Mails that cost $2.00 or more. Customers who contact advisors through the KEEN 3 Free Minute promotional offer are not eligible to leave feedback unless they choose to continue the conversation and add $2.00 or more of their own money. Customers may only rate up to 3 live conversations or Mails per day with any given advisor);
  • Reliability—the number of live conversations this advisor has missed;
  • Service—how often customers choose to have extended conversations with this advisor.
The listings you see when you visit a topic appear in order of their overall rating, from highest to lowest. This makes it easier for customers to find our most popular and successful advisors — and for advisors to be rewarded for their hard work and success with more prominent placement on the site!

How does the rating system work?
Customers can give a rating for each live conversation or Mail on which they've spent $2.00 or more (note: Customers may rate up to 3 live conversations or Mails per day with any given advisor). Customers have up to 14 days to give a rating. Each listing's rating rises or falls according to the following formula:

Event Rating Result
Each missed live conversation*: minus 2 points
Each 15 minutes**: plus 2 points
Each 5-star rating: plus 2 points
Each 4-star rating: plus 1 point
Each 3-star rating: 0 points
Each 2-star rating: minus 1 point
Each 1-star rating: minus 2 points
Each customer acquired***: plus 3 points

* While an advisor is listed as Available. Note: If you press "2" to not accept a call, that call is regarded as a missed call and receives a minus 2 point rating. Similarly, if you decline a chat session, that is regarded as a missed chat and receives a minus 2 point rating.
** Applicable to live conversations costing at least $.25 per minute more than the basic connection rate. Note: "Free minutes" do not count toward 15-minute rating bonuses.
***Each member who enters a valid payment method and puts money into his or her account for the first time during a live conversation to this listing.

Your rating appears next to the listing itself and on your personal home page. All listings are rated as "New" for the first three months they're on the site, or until they receive their first live conversation (a listing that goes three months without receiving a live conversation will be given a "0" rating).

What about Mail?
A Paid Mail must be worth at least $2.00 to be eligible to be rated.

What about Recorded Listings?
Your Recorded Listings are available 24 hours a day to anyone who want to listen to them. Their overall rating will consist of the points they gain or lose, according to the above formula, when customers rate them after the call.


The number of stars you see by an advisor's listing indicates the average rating (on the 1-to-5 scale described above) that he or she has received from customers who have contacted this listing in the past.

Stars help customers choose which advisor to contact for advice -- and reward advisors for their number of satisfied customers.


In addition to a star rating, customers may also leave written feedback of their experience with the advisor. This review of their experience, also helps customers choose which advisor to contact for advice. Written comments will be displayed with the listing for 12 months.

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