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Bank of America
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White Papers
11 Ways Companies May Improve Their Working Capital Position
April 1, 2006, 12:00am PST
With interest rates continuing to rise, oil and commodity costs mounting and ever-increasing pressures from Wall Street to increase shareholder value, it's surprising that some companies are not...
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White Papers
Five Myths About Improving Working Capital
February 1, 2010, 12:00am PST
Improving working capital performance enhances a company's competitiveness by increasing its Return On Invested Capital (ROIC). However, generating cash through working capital improvement is...
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White Papers
Maximizing Chapter 11 Success: Five Critical Areas For Chief Restructuring Officers
December 1, 2009, 12:00am PST
A staggering 85% of Chapter 11 Bankruptcy cases never make it to a confirmed plan of reorganization. In fact, lack of cash causes many companies to liquidate within a few weeks after filing. Many...
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White Papers
How To Attract New Customers
May 4, 2009, 12:00am PDT
A faltering economy may not seem like the ideal environment for attracting new customers. But, even when consumer confidence is low, there is plenty a small business owner can do to instill faith...
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White Papers
How To Organize Your Personal Finances: A Step-By-Step Guide To Manage Financial Records
January 1, 2010, 12:00am PST
When you think, "I need to organize my finances", you're probably just referring to updating your budget and arranging your bills. However, you can take this a step further by organizing your...
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White Papers
How To Identify Hidden Deal Risks Within The Information Technology Landscape
April 1, 2010, 12:00am PDT
When contemplating a mid-market asset acquisition, buyers should take sufficient time to assess the hidden deal risks within the information technology (IT) landscape. Mid-market companies,...
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White Papers
Reassessing Your Business Plan
August 27, 2009, 12:00am PDT
Business planning experts always stress that a business plan is a living document-one that you should regularly reassess and change as your business grows. Well, now is the time to take that...
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White Papers
Time To Leave The Nest?
May 3, 2010, 12:00am PDT
Using one's house as the launching pad for a small business has long been a favorite money-saving tactic among part-time business owners and entrepreneurs looking to survive the often-difficult...
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White Papers
Start-Up Series: Business Coaches And Mentors
March 12, 2010, 12:00am PST
Entrepreneurs, by their nature, prefer going it alone. Listening to others tell them what can or can't be done just isn't part of their DNA-that's why they hung out their own shingle in the first...
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White Papers
Franchising Series: How Much Will That Franchise Cost?
April 26, 2010, 12:00am PDT
If you plan to open a popular franchise retail store, restaurant or coffee shop, you are looking at considerable initial costs in addition to whatever franchise fee the franchisor charges. The...
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White Papers
Seasonal Spirit On A Shoestring
December 11, 2009, 12:00am PST
For many small businesses, the only thing to cheer about in the arrival of the 2009 holiday season may be the fact that it represents the end to a very difficult year. In keeping with that...
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White Papers
Finding A Tax Professional
January 4, 2010, 12:00am PST
Despite the seeming ubiquity of tax-prep software like TurboTax, using a paid professional remains the most popular form of tax preparation-roughly six in ten Americans are expected to use a local...
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White Papers
DIY Or CPA?: Which Tax Prep Method Makes Sense For Your Small Business?
January 29, 2010, 12:00am PST
This is a point of lively debate within the tax community. In the 2005 Form 1040 filing instructions, the IRS included a controversial table that compared time and cost estimates across the three...
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White Papers
Why CFO And COO Roles Are Becoming More Cross-Functional
June 1, 2010, 12:00am PDT
After the most recent economic downpour, the new operational river running through the executive suite is dissolving the walls between the chief financial officer and chief operating officer...
Provided by Bank of America
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White Papers
Last-Minute Holiday Marketing Strategies
December 11, 2009, 12:00am PST
With the holidays fast approaching, some small business owners may find that they never got around to implementing those grand marketing plans they had conceived to boost sales at the end of the...
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White Papers
Interns: Are They Right For Your Business And Vice Versa
May 6, 2010, 12:00am PDT
The internship has become a rite of passage for America's young workers, and with good reason. Internships are chances for students and recent graduates to put their potential to practice and...
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White Papers
Motivating Employees, Part III
May 20, 2010, 12:00am PDT
One of the most important tasks facing every small business owner is keeping his or her employees well motivated. Happy, well-motivated employees work harder and longer. But the benefits to your...
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White Papers
Health Insurance: Examining The Options, Controlling The Costs
October 31, 2007, 12:00am PDT
Perhaps the most burdensome issue facing small business owners today is health insurance. As costs continue to spiral and coverage options become more and more complex, many small business owners...
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White Papers
Time Management Solution
September 21, 2007, 12:00am PDT
Be more efficient and concentrate more on the core of the business. One spends all his time putting out fires. When management is busy dealing with the crisis du jour, there's no time to figure...
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White Papers
Employee Benefits And Retirement Planning: Helping Them Save
June 30, 2008, 12:00am PDT
Helping the employees save for retirement is not merely an altruistic gesture on ones part. There are huge benefits for one as an employer, and for the business as a whole. In today's increasingly...
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White Papers
Five Stages Of A Turnaround
December 1, 2009, 12:00am PST
Rising competition, cyclical financial markets and economic volatility have created a climate where no business can take economic stability for granted. As once-stable companies struggle to...
Provided by Bank of America
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White Papers
Partner-Up
January 12, 2009, 12:00am PST
One can never have too many people in his corner. That goes double for a small business owner. Without the resources for a massive advertising campaign, an entrepreneur needs to rely on a little...
Provided by Bank of America
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White Papers
Managing Your Payroll
January 22, 2010, 12:00am PST
For many start-ups and even some established small businesses, just being able to pay the bills and generate a little extra profit is a big enough challenge. As a result, seemingly innocuous...
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White Papers
Paper Or Plastic
October 22, 2009, 12:00am PDT
The statistics staring at budding entrepreneurs are ugly-nearly two out of three new businesses won't survive past six years. A lack of a rigorous business plan, insufficient marketing, and poor...
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White Papers
Vaccinate Your Small Business
December 4, 2009, 12:00am PST
As the H1N1 flu outbreak looks to spread throughout the upcoming winter, many small businesses could find the disease a serious threat to their profitability and, perhaps, long-term survivability....
Provided by Bank of America
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White Papers
How Do You Get Your Money's Worth For PR?
February 3, 2009, 12:00am PST
Business owners large and small are looking for ways to cut expenses. So the question arises: Do I need PR? Here are a few reasons why one should say yes and feel good about the expense. PR is a...
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White Papers
Hard To Say Goodbye
April 29, 2010, 12:00am PDT
It may seem unthinkable-intentionally retiring off one of your small business's products or services. But just as all businesses both small and large grow, mature, and change, so too do the brands...
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White Papers
Off Season Training
June 5, 2009, 12:00am PDT
Running a seasonal business may seem like an entrepreneur's dream: Work hard for part of the year and earn enough for the whole of it. But running a seasonal business, just like any other kind, is...
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White Papers
Tax Tips For The Self-Employed
March 19, 2010, 12:00am PDT
Being self-employed is a dream for many people. Who doesn't want to be his or her own boss? Of course, the downside of being the boss is the all responsibilities that come with the job....
Provided by Bank of America
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White Papers
Looking Back, Leaning Forward
February 5, 2010, 12:00am PST
For many business owners-large or small-there may not be much interest in looking back at the year that was 2009. Sure, the personal retirement savings may have rebounded, but the stock market's...
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White Papers
Tax Preparation Software Roundup
January 4, 2010, 12:00am PST
For those small business owners who choose to do their own taxes this year, there are more software choices than ever to help them file. Indeed, tax prep software companies, like banks and credit...
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White Papers
Why Second Lien Loans Are Here To Stay Despite Tightening Liquidity
October 1, 2008, 12:00am PDT
The author says, "In this market, issuance is certainly down considerably from a year earlier, and it's starting to pick up a little bit because more structures are requiring junior debt". The LPC...
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White Papers
Dealing With Customer Complaints
June 3, 2009, 12:00am PDT
Small business owners understand necessity of attracting customers to their business. But keeping those customers happy and coming back means more than just offering good products and services at...
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White Papers
Start-Up Series: Debt Vs. Equity
March 5, 2010, 12:00am PST
Whether one is a budding entrepreneur looking for seed money or an experienced owner of an established small company seeking to fund an expansion, capital is the fuel that makes small businesses...
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White Papers
Business Plan 2.0
October 22, 2009, 12:00am PDT
A sound business plan is the foundation of any successful business, but this particular foundation should not be set in stone. The world changes faster and more frequently now than it ever has...
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White Papers
Back In The Black: Tips To Reinvigorate Your Business
May 5, 2010, 12:00am PDT
Getting customers to spend money is the most important task of any small business owner. This is true regardless of whether the overall economy is booming or not. Make customer service a focus...
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White Papers
2010 CFO Outlook: A Survey Of What Manufacturing Chief Financial Officers Expect
February 1, 2010, 12:00am PST
The paper explores the results of the 12th annual survey of mid-size and large U.S. manufacturing company CFOs commissioned by Bank of America Business Capital. The key message from the survey...
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White Papers
Prize-Winning Thinking
December 15, 2009, 12:00am PST
In the midst of a struggling economy, a disturbing flu pandemic, and an ongoing national debate over health insurance reform, most small business owners can be forgiven if they didn't pay much...
Provided by Bank of America
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White Papers
Ten Qualities Of An Effective CFO
August 1, 2009, 12:00am PDT
An effective chief financial officer is critical to the success of any organization; an ineffective one may be the reason for its failure. Bad CFOs are easy to spot, but what about the average...
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White Papers
Employee Benefits And Retirement Planning: The '10 Spot
September 8, 2009, 12:00am PDT
This big change involves a financial transaction known as Roth IRA conversion. Simply put, this conversion amounts to taking an investor's traditional IRA, which is typically funded with pre-tax...
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White Papers
A Brief Guide to Legal Issues for Data-Miners
January 1, 2011, 12:00am PST
Any competent data-miner should have already acquired strong technical skills. However, an outstanding data-miner will also understand the legal aspects of data analysis. It is because empirical...
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White Papers
Supply Chain Finance: Moving From Concept To Implementation
December 3, 2009, 12:00am PST
The growth of Supply Chain Financing (SCF) has accelerated in response to continued credit and liquidity challenges in today's market. As more companies adopt SCF programs, the dialog has moved...
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White Papers
A Shared Vision Of Supply Chain Integration
December 2, 2009, 12:00am PST
This white paper will be of interest to treasury, trade and procurement staff at companies that have either domestic or cross-border payables and receivables, or both. Articulate emerging...
Provided by Bank of America
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White Papers
Get Motivated To Improve Your Financial Health
January 1, 2010, 12:00am PST
A recent survey found that nearly three-quarters of Americans say financial concerns are their number one stress point. That's understandable given the current economic climate, but at the same...
Provided by Bank of America
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White Papers
Handling A Cash Flow Crunch: Tips For Surviving A Financial Shortfall
January 1, 2010, 12:00am PST
It can happen to the best of us. A sudden emergency or a bad alignment of due dates and wham! A pile up of bills and not enough money to pay them. This paper help you how to manage cash flow and...
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White Papers
6 Ways To Cut Transportation Costs: Tips To Save On Fuel, Insurance, Maintenance And Ownership
January 1, 2010, 12:00am PST
Transportation can be one of our biggest expenses. In 2008, the average household spent $8,604 on transportation, or 13.5% of income. The only thing we spend more on is housing - even food takes...
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White Papers
Making Changes To Help Avoid Overdrawing Your Accounts
January 1, 2010, 12:00am PST
Customers are looking for more control in managing their daily finances and Bank of America is responding with solutions to help meet their needs. There are newly issued Federal requirements...
Provided by Bank of America
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White Papers
Tax Benefits Of Charitable Giving: Turn Charitable Donations Into Tax Savings
January 1, 2010, 12:00am PST
Americans donate more than $300 billion annually to charities, and 75% percent of that total comes from individuals. In recognition of the value of this generosity, charitable giving is tax...
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White Papers
What Are Your Top Financial Concerns?: Take Action On Seven Money Worries
January 1, 2010, 12:00am PST
According to a recent Gallup poll, most of us are facing a range of financial challenges, from trying to earn enough money to live comfortably, to the cost of health care. The best way to confront...
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White Papers
Managing Your Income During Retirement: Retirement Finance Tips To Make Your Savings Last
January 1, 2010, 12:00am PST
No matter how much you love your job, retirement holds the wonderful promise of freedom from your current work schedule. You can fill those former workdays with everything from a hobby to charity...
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White Papers
How To Approach Savings As A Couple: Get Sensitive Money Matters Out In The Open
February 1, 2009, 12:00am PST
What would you rather do - get a tooth filled or talk with your partner about money? For many people, a trip to the dentist might win out. There's a good reason people want to avoid the subject....
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White Papers
What Is Savings Allocation: Reduce Your Financial Risks By Varying Your Investments
January 1, 2010, 12:00am PST
Worried about the news of people losing hard-earned money in sinking investments? One smart way to reduce your financial risk is to diversify your savings. There are plenty of ways to build your...
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White Papers
The Benefits Of A Savings Account: A Safe And Reliable Way To Grow Your Money
January 1, 2010, 12:00am PST
One of the most useful benefits of a savings account is that your money is out of your checking account, where you may risk spending it on non-essentials, but still easily accessible in case you...
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White Papers
Maximize Your Savings In 2010: How To Create A Savings Plan For The New Year
January 1, 2010, 12:00am PST
Eat less. Exercise regularly. Why not add "Save more" to your list of New Year's Resolutions? Follow our step-by-step guide to create your 2010 personal savings plan. For one month, record...
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White Papers
Fast-Track Retirement Savings After You Return To Work: How To Reach Your Retirement Goals In Less time
January 1, 2010, 12:00am PST
If you've recently re-entered the work force you have a second job that needs your serious attention: Getting your retirement plan back on track. You may not have been able to keep up with your...
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White Papers
Get Started On Saving For Retirement: 5 Steps To Start Your Retirement Plan
January 1, 2010, 12:00am PST
If you are just starting out your work life, retirement may seem too far off to be a concern. But the decisions you make now will determine how comfortable you are decades down the road. The good...
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White Papers
How Much Do You Need For Retirement?: Find Your Personal Retirement Number
January 1, 2010, 12:00am PST
What do you want to do when you retire? Many people hope to travel, spend more time with their families or enjoy their favorite activities, or just relax with no work or money worries. Help your...
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White Papers
Save Money By De-Cluttering Your Home: How Cleaning Up Can Help Your Finances
January 1, 2010, 12:00am PST
De-cluttering your home can make it more inviting, reduce your stress and help you avoid health problems aggravated by mold or dirt. But did you know that it could lower your costs and even earn...
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White Papers
Keeping Your Debt Load Manageable: How Understanding Your Debt-To-Income Ratio Can Help
January 1, 2010, 12:00am PST
Keeping your debt at a manageable level is one of the foundations of good financial health. But how can you tell when your debt is starting to get out of control? You don't want to wait until you...
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White Papers
The Costs Of Cash Advances On Your Credit Card
January 1, 2010, 12:00am PST
Credit card cash advance is a withdrawal of cash from your credit card through an ATM, by bank teller, by writing a check on the credit card account, or through a transfer of cash from your credit...
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White Papers
Should You Become A Guarantor For A Credit Card?
January 1, 2010, 12:00am PST
A credit card can be an important step on the path to financial independence for young adults. It is a convenient way to make purchases, and it can also help build a credit history. However, with...
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White Papers
How To Get Information About Borrowing Money
January 1, 2010, 12:00am PST
The ways you can borrow money are almost as diverse as the ways you can spend it. If you are thinking about borrowing money, make sure you know all your lending options. No matter your reason for...
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White Papers
Do You Need More Than One Credit Card?: Advantages And Disadvantages Of Having Multiple Credit Cards
January 1, 2010, 12:00am PST
These days, it's not uncommon for people to have multiple credit cards. A study from Experian found 51% of the U.S. population has two credit cards or more. If you're thinking about applying for...
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White Papers
Introduction To Estate Planning: Get Started On Putting Your Affairs In Order
January 1, 2010, 12:00am PST
As you get older, you'll likely start thinking about putting your affairs in order. This will help avoid family conflict, allow you to name who will make health and financial decisions on your...
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White Papers
Twitter Tips From Bank Of America: Stay Connected With Companies And Friends
January 1, 2010, 12:00am PST
It's hot and just getting hotter: these days, everyone seems to be using Twitter, the free social real-time messaging utility. Twitter is also becoming a popular way for consumers to reach out to...
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White Papers
Living On One Income: 6 Strategies: How To Make Ends Meet With One Paycheck
January 1, 2010, 12:00am PST
There's no better tool for managing your money than a budget. Looking over your monthly statements from Online Bill Pay1 is a great way to get a handle on where your money is going. Also keep a...
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White Papers
Create Your Own Savings Plan: Our Savings Plan Spreadsheet Helps You Reach Your Goals
January 1, 2010, 12:00am PST
Being able to pay for the things you want in life without taking on too much debt is one of the best benefits of careful financial planning. And it's not just a perk of having a large income....
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White Papers
Living On A Budget - The Envelope System
January 1, 2010, 12:00am PST
Being on a budget takes discipline but it doesn't mean you have to give up the things you love. In fact, it can help you stretch your money further, giving you peace of mind in a tough economy....
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White Papers
10 Ways To Save Money
January 1, 2010, 12:00am PST
These days, flashy living is out, and careful spending is in. Many people are discovering that, once they get used to living within their means, they're less stressed out by the economy. Take...
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White Papers
How To Keep Your Credit Card Safe: What You Need To Do To Guard Your Card
January 1, 2010, 12:00am PST
Sometimes it seems that you can't go online or open a newspaper without seeing something about identity theft or credit card fraud. And it can be frightening to think about the ingenious ways...
Provided by Bank of America
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White Papers
Debit Cards Vs. Credit Cards: Understanding What They Are And When To Use Them
January 1, 2010, 12:00am PST
Putting something on "Plastic" used to mean one thing - using your credit card. But these days, debit cards are also a big part of the "Plastic" world. Do you know the differences and which one is...
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White Papers
Protect Your Finances While On Vacation: Control Costs And Enjoy Peace Of Mind When Traveling
January 1, 2010, 12:00am PST
Does your vacation-planning checklist include controlling costs and protecting your money while you travel? If not, it should. Before you head off on holidays, here are a few suggestions to keep...
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Case Studies
Provo Craft & Novelty
May 3, 2010, 12:00am PDT
Provo Craft & Novelty, Inc. (Provo Craft) is the leading designer and marketer of electronic cutting systems, marketed primarily under the Cricut brand, and related craft products in the United...
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White Papers
How To Recover From Bankruptcy
January 1, 2010, 12:00am PST
You can get back on track after filing for bankruptcy. While you're recovering from bankruptcy, the financial moves you make will impact how fast your credit score improves. Here's how to recover...
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White Papers
Why CFOs Eager To Fill Financing And Liquidity Gaps Are Turning To Receivables For Leverage
June 1, 2010, 12:00am PDT
The receivables-based financing, which encompasses asset-based loans, factoring (in which a company actually sells its invoices), and related credit mechanisms, is no panacea. Pledging receivables...
Provided by Bank of America
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White Papers
Bank Of America Business Capital: Perspectives On U.S. Economic Performance
May 3, 2010, 12:00am PDT
For the past 12 years, Bank of America Merrill Lynch has conducted a survey of financial executives at U.S. manufacturing companies to understand better how CFOs view the economy and get their...
Provided by Bank of America
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White Papers
The Impact Of New M&A Accounting Standards In An Improving Marketplace
June 1, 2010, 12:00am PDT
The new M&A accounting standards increase the potential for dilution and volatility to be reported in post-acquisition results. Sophisticated dealmakers who plan to be active in an M&A rebound...
Provided by Bank of America
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White Papers
7 Tax Tips For The Self Employed
March 3, 2009, 12:00am PST
Being self-employed is a dream for many people. Who doesn't want to be his or her own boss? Of course, the downside of being the boss is the all responsibilities that come with the job....
Provided by Bank of America
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White Papers
Avoiding Pitfalls Of Working Capital True-Ups
February 1, 2010, 12:00am PST
While optimism about M&A activity is increasing, deals remain highly sensitive to pricing. Because working capital true-ups may result in a significant purchase price adjustment, private equity...
Provided by Bank of America
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White Papers
Why Earn-Outs May Become More Popular In Negotiated Sale Transactions
April 1, 2009, 12:00am PDT
The ongoing economic crisis has created deep uncertainty about the future performance, and current value, of many businesses. One technique deal-makers may consider using to bridge disagreements...
Provided by Bank of America
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