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Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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
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...
Provided by Bank of America
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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...
Provided by Bank of America
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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
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
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...
Provided by Bank of America
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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...
Provided by Bank of America
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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
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...
Provided by Bank of America
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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
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
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...
Provided by Bank of America
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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
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....
Provided by Bank of America
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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
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...
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...
Provided by Bank of America
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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
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
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...
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...
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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
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 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
The Senior Debt Crisis
January 1, 2009, 12:00am PST
Credit-card debt used to be considered rare among the elderly, many of whom have spent most of their lives not owning a credit card, let alone carrying a balance that's beyond their means. But it...
Provided by Bank of America
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White Papers
Debt And Your Taxes
January 1, 2009, 12:00am PST
Back in "The good old days," taxpayers were allowed to deduct all their interest charges, even credit-card bills for vacations, Armani suits and movie tickets. Then, Congress caught on. Now the...
Provided by Bank of America
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White Papers
Ready To Consolidate That Debt?
January 1, 2009, 12:00am PST
If you're a homeowner saddled with debt (and we're talking about high-interest debt like the kind you pile up on credit cards), then a Home-Equity Line Of Credit, or HELOC, might be a good escape...
Provided by Bank of America
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White Papers
Closing Down The Estate
January 1, 2009, 12:00am PST
When a loved one dies, somebody must step up to the plate to handle all the resulting tax issues. This person may be identified in the decedent's will as executor of the estate. If there isn't a...
Provided by Bank of America
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White Papers
Passing Your Home To Heirs
January 1, 2009, 12:00am PST
Before the days of estate taxes, children simply moved into the family home and took over the master bedroom after their parents died. Unfortunately, it's not that easy anymore. There are nearly...
Provided by Bank of America
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White Papers
Why It's Important To Write A Will Now
January 1, 2009, 12:00am PST
Writing a will, of course, is also your chance to clarify who gets what in your estate. Before you can do that, however, you have to tally up your assets. That includes your house, your investment...
Provided by Bank of America
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White Papers
Saving Too Much For Retirement?
January 1, 2009, 12:00am PST
In a perfect world, everyone would be maxing out their retirement savings and setting aside enough for short-term goals, like purchasing a home. In the real world, however, compromises must be...
Provided by Bank of America
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White Papers
Retirement Savings Distribution Options
January 1, 2009, 12:00am PST
Figuring out how to live off of your retirement savings is as much a personal issue as it is a financial decision. You have to come up with a strategy that will allow you to enjoy spending the...
Provided by Bank of America
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White Papers
Getting Ready For Retirement
January 1, 2009, 12:00am PST
There are plenty of folks who want to retire and never work another day in their lives. But no matter what your definition of retirement, there are a few essentials that you'll need to master if...
Provided by Bank of America
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White Papers
The Tax Perks Of Charitable Giving
January 1, 2009, 12:00am PST
Charitable giving is good for more than just your soul. Play your cards right and it can be good for your wallet, too. You probably know you can claim write-offs for contributions of cash and...
Provided by Bank of America
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White Papers
5 Smart Ways To Use That Refund
January 9, 2008, 12:00am PST
American taxpayers are about to come into a bit of money. While nobody likes filing tax returns, most people are rewarded handsomely for their efforts: About 75% of taxpayers get a refund,...
Provided by Bank of America
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White Papers
The Grandparent Tax
January 1, 2009, 12:00am PST
Leaving lots of money to grandchildren, and skipping the generation in between, used to be a nifty way to beat estate taxes. That way, the money was subject to estate tax just once, when the...
Provided by Bank of America
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White Papers
Tax-Friendly Moves For Early Retirees
January 1, 2009, 12:00am PST
Should you retire before age 59 1/2 - what the U.S. tax code generally deems to be retirement age - you could face ugly tax hits when tapping tax-favored retirement accounts. You'll face an income...
Provided by Bank of America
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White Papers
Taxes When You Sell Your Home
January 1, 2009, 12:00am PST
If you're a homeowner, then you're probably aware of the incredibly generous tax break available when you sell your home. Play your cards right and you can lock in a profit of up to $250,000...
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...
Provided by Bank of America
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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
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...
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...
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
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
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...
Provided by Bank of America
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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
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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
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...
Provided by Bank of America
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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
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
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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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,...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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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...
Provided by Bank of America
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Tools & Templates
Tax-Deferred Savings Calculator
January 1, 2009, 12:00am PST
This tool shows the advantages of putting your qualified investments in a tax-deferred instrument compared with a taxable one.
Provided by Bank of America
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Tools & Templates
Estate Tax Calculator
January 1, 2009, 12:00am PST
This tool allows you to estimate: the total current value of your estate and the potential, current-year tax liability on the estate.
Provided by Bank of America
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White Papers
Tax-Advantaged Accounts For The Self-Employed
January 9, 2008, 12:00am PST
There's more to being your own boss than not having to answer to anybody: You can also set up your own tax-advantaged retirement program - and probably put aside more each year than you could...
Provided by Bank of America
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White Papers
Tax Ideas For The Self-Employed
January 9, 2008, 12:00am PST
If you own a small business, you are probably too busy to even think about taxes most of the year. But some of the things you can do to cut your tax bill are easier than you think - like buying a...
Provided by Bank of America
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White Papers
Tax-Friendly Home Sale Strategies
January 1, 2009, 12:00am PST
These days, most homeowners are in a pretty comfy spot. Although the real estate market is softening, owners across the country are still reaping the benefits of home prices that appreciated...
Provided by Bank of America
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White Papers
Taxes When You Sell Your Home
January 1, 2009, 12:00am PST
If you're a homeowner, then you're probably aware of the incredibly generous tax break available when you sell your home. Play your cards right and you can lock in a profit of up to $250,000...
Provided by Bank of America
-
White Papers
Tax-Friendly Moves For Early Retirees
January 1, 2009, 12:00am PST
Should you retire before age 59 1/2 - what the U.S. tax code generally deems to be retirement age - you could face ugly tax hits when tapping tax-favored retirement accounts. You'll face an income...
Provided by Bank of America
-
White Papers
The Grandparent Tax
January 1, 2009, 12:00am PST
Leaving lots of money to grandchildren, and skipping the generation in between, used to be a nifty way to beat estate taxes. That way, the money was subject to estate tax just once, when the...
Provided by Bank of America
-
White Papers
5 Smart Ways To Use That Refund
January 9, 2008, 12:00am PST
American taxpayers are about to come into a bit of money. While nobody likes filing tax returns, most people are rewarded handsomely for their efforts: About 75% of taxpayers get a refund,...
Provided by Bank of America
-
White Papers
The Tax Perks Of Charitable Giving
January 1, 2009, 12:00am PST
Charitable giving is good for more than just your soul. Play your cards right and it can be good for your wallet, too. You probably know you can claim write-offs for contributions of cash and...
Provided by Bank of America
-
White Papers
Getting Ready For Retirement
January 1, 2009, 12:00am PST
There are plenty of folks who want to retire and never work another day in their lives. But no matter what your definition of retirement, there are a few essentials that you'll need to master if...
Provided by Bank of America
-
White Papers
Retirement Savings Distribution Options
January 1, 2009, 12:00am PST
Figuring out how to live off of your retirement savings is as much a personal issue as it is a financial decision. You have to come up with a strategy that will allow you to enjoy spending the...
Provided by Bank of America
-
White Papers
Saving Too Much For Retirement?
January 1, 2009, 12:00am PST
In a perfect world, everyone would be maxing out their retirement savings and setting aside enough for short-term goals, like purchasing a home. In the real world, however, compromises must be...
Provided by Bank of America
-
White Papers
Why It's Important To Write A Will Now
January 1, 2009, 12:00am PST
Writing a will, of course, is also your chance to clarify who gets what in your estate. Before you can do that, however, you have to tally up your assets. That includes your house, your investment...
Provided by Bank of America
-
White Papers
Passing Your Home To Heirs
January 1, 2009, 12:00am PST
Before the days of estate taxes, children simply moved into the family home and took over the master bedroom after their parents died. Unfortunately, it's not that easy anymore. There are nearly...
Provided by Bank of America
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