Bank of America

Displaying 1-40 of 105 results

  • White Papers // Jan 2011

    A Brief Guide to Legal Issues for Data-Miners

    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 analysis in the business world requires not only quantitative mastery but also strong business sense. This paper will provide an overview on several...

    Provided By Bank of America

  • White Papers // Jun 2010

    Why Now May Be The Time To Acquire Distressed Businesses

    For those with access to funding, the current market provides a golden opportunity to acquire distressed or bankrupt businesses at knock-down prices, and consolidation involving such companies is already well-underway in many sectors. Regardless of the apparent discount, however, some basics in M&A haven't changed. Indeed, a great price does...

    Provided By Bank of America

  • White Papers // Jun 2010

    Why CFO And COO Roles Are Becoming More Cross-Functional

    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 offices. Today's successful CFOs must have a strong operational focus. Today's successful COOs must have a strong competency with numbers. And more...

    Provided By Bank of America

  • White Papers // Jun 2010

    Why CFOs Eager To Fill Financing And Liquidity Gaps Are Turning To Receivables For Leverage

    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 and getting advances against them can cost 30% to 40% more than an unsecured bank line, for example. In addition, "The CFO enters a different...

    Provided By Bank of America

  • White Papers // Jun 2010

    The Impact Of New M&A Accounting Standards In An Improving Marketplace

    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 have been preparing their teams to factor the impact of the new standards into their deal processes. Accretion-dilution analyses have been...

    Provided By Bank of America

  • White Papers // May 2010

    Motivating Employees, Part III

    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 business go far beyond simple increased productivity. Indeed, for very small businesses, happy employees are absolutely crucial to success....

    Provided By Bank of America

  • White Papers // May 2010

    Franchising 101: How To Franchise Your Small Business

    For an entrepreneur looking to take their business as far as it will go, becoming a franchisor may be the ultimate goal. And, since franchisees provide the capital for expansion, a business can grow more rapidly as a franchise than it would through internal funds, equity financing, or bank loans....

    Provided By Bank of America

  • White Papers // May 2010

    Motivating Employees, Part II

    Competition is the bedrock of our economy. Companies compete with each other for customers, new ideas and opportunities. Within companies, competition exists as well, as employees compete with each other to make their way up the management ladder, or for bonuses or other perks. This competition can induce employees to...

    Provided By Bank of America

  • White Papers // May 2010

    Motivating Employees, Part I

    Enthusiastic, well-motivated employees are the backbone of your small business's success. Fostering an environment in which employees feel both rewarded for their performance and part of a team can greatly increase your company's productivity and competitiveness in the marketplace. Your customers will certainly notice the difference between happy, well-motivated employees...

    Provided By Bank of America

  • White Papers // May 2010

    Interns: Are They Right For Your Business And Vice Versa

    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 discover what kind of work fulfills them, or, just as importantly, what kind doesn't. But hiring an intern can...

    Provided By Bank of America

  • White Papers // May 2010

    Back In The Black: Tips To Reinvigorate Your Business

    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 from the top down. Don't just rely on your sales people or customer representatives. Senior managers and...

    Provided By Bank of America

  • White Papers // May 2010

    Time To Leave The Nest?

    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 early stages of a start-up company's life cycle. But recently, a larger demographic shift has begun to occur within the ranks...

    Provided By Bank of America

  • White Papers // May 2010

    Bank Of America Business Capital: Perspectives On U.S. Economic Performance

    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 forecast for revenue, financials, M&A activity and foreign markets. Each year this survey provides the market with valuable...

    Provided By Bank of America

  • Case Studies // May 2010

    HCA, Inc.

    HCA, Inc. (HCA) is the leading provider of healthcare services in the United States. Merrill Lynch's healthcare investment banking group, had a long-standing relationship with HCA, advising HCA for years on financial and strategic alternatives aimed at enhancing shareholder value. Despite the strategic initiatives HCA had undertaken, management believed it...

    Provided By Bank of America

  • Case Studies // May 2010

    Provo Craft & Novelty

    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 States. Provo Craft has continued its strong financial performance since BAMLCP's investment and recently launched its newest product, the Cricut...

    Provided By Bank of America

  • White Papers // Apr 2010

    Hard To Say Goodbye

    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 that they sell. And as one-time successful products or brands start to lose their consumer cachet and gaudy...

    Provided By Bank of America

  • White Papers // Apr 2010

    Getting Paid, Part I: Cash And Checks

    Many small business owners just starting out find that banking enough sales to simply survive can provide more than enough to worry about, so concerns about the different ways customers might pay your business once you do make a sale often get overlooked. But understanding the myriad options for payment-...

    Provided By Bank of America

  • White Papers // Apr 2010

    Franchising Series: How Much Will That Franchise Cost?

    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 franchise fee is the upfront investment in the franchise. Fees vary from as little as $2,500 to more than...

    Provided By Bank of America

  • White Papers // Apr 2010

    It's Time To Heighten Your IT Due Diligence

    If the IT infrastructure is fine, why conduct due diligence? Difficult economic times have greatly reduced acquisition deal flow across the private equity sector. It appears this change in economic landscape has influenced many firms to take a much closer look at both their pre-acquisition targets and their existing portfolio...

    Provided By Bank of America

  • White Papers // Apr 2010

    Seller Due Diligence

    When the economy plummeted in 2009, the M&A landscape changed quite dramatically. For deals to close in this environment, the gap between buyer and seller expectations needs to be bridged?allowing buyers to maintain their confidence level and protecting sellers against eroding values and retrading sales prices. If value retention and...

    Provided By Bank of America

  • White Papers // Apr 2010

    How To Identify Hidden Deal Risks Within The Information Technology Landscape

    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, particularly those at the lower end of the middle market, may not have the vision, technology architecture, or appropriate staffing and skill mix to support...

    Provided By Bank of America

  • White Papers // Mar 2010

    Tax Tips For The Self-Employed

    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. Unfortunately, calculating and paying taxes are part of those responsibilities. According to the Internal Revenue...

    Provided By Bank of America

  • White Papers // Mar 2010

    Start-Up Series: Business Coaches And Mentors

    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 place. Still, even the most self-assured and independent-minded small business owner can look for a...

    Provided By Bank of America

  • White Papers // Mar 2010

    Start-Up Series: Debt Vs. Equity

    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 go. When choosing between the two main types of funding-debt vs. equity - there are advantages and disadvantages...

    Provided By Bank of America

  • White Papers // Feb 2010

    Looking Back, Leaning Forward

    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 resurgence still hasn't been accompanied by a corresponding upturn on Main Street. As one begin sprinting through the...

    Provided By Bank of America

  • White Papers // Feb 2010

    Avoiding Pitfalls Of Working Capital True-Ups

    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 executives, whether they are the buyer or seller, need to be more aware of working capital during the transaction process. Failure to do...

    Provided By Bank of America

  • White Papers // Feb 2010

    Five Myths About Improving Working Capital

    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 often easier said than done. The path to working capital improvement is beset with a number of myths. They are not labeled as such but generally...

    Provided By Bank of America

  • White Papers // Feb 2010

    2010 CFO Outlook: A Survey Of What Manufacturing Chief Financial Officers Expect

    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 results was that while CFOs gave the current state of the U.S. economy its lowest score in the survey's...

    Provided By Bank of America

  • White Papers // Feb 2010

    Seven Tactics For Restructuring In A Turbulent Market

    Restructuring troubled businesses typically involves some form of financial restructuring: changing the mix of equity and debt, renegotiating loans, or finding one lender to take out another. The meltdown in the U.S. banking system and the widespread lack of confidence in global financial markets has radically changed the available options...

    Provided By Bank of America

  • White Papers // Jan 2010

    DIY Or CPA?: Which Tax Prep Method Makes Sense For Your Small Business?

    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 filing categories (self-prepared without help, self-prepared with tax software, and prepared by tax professional). According to the...

    Provided By Bank of America

  • White Papers // Jan 2010

    Managing Your Payroll

    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 questions like when and how often to pay out that money in salary-to owners, partners, and employees-often doesn't...

    Provided By Bank of America

  • White Papers // Jan 2010

    Tax Preparation Software Roundup

    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 card companies before them, are now increasingly targeting small businesses. And recognizing that many small business...

    Provided By Bank of America

  • White Papers // Jan 2010

    Tax Law Changes For 2009 And 2010

    Spurred on by the federal government's economic recovery efforts, there have been numerous changes to the federal tax law for 2009 and 2010. This paper explains what your small business needs to know now to take advantage of this year's expiring rules and what it needs to keep in mind...

    Provided By Bank of America

  • White Papers // Jan 2010

    Finding A Tax Professional

    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 accounting firm or a nationwide franchise like H&R Block to prepare their individual tax returns this year. That number...

    Provided By Bank of America

  • White Papers // Jan 2010

    How To Organize Your Personal Finances: A Step-By-Step Guide To Manage Financial Records

    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 financial, insurance and tax records, as well as other documents related to your financial security, such as wills...

    Provided By Bank of America

  • White Papers // Jan 2010

    Are You Planning To Relocate For Work?: Find Your Next Job In A New City Or State

    With the recent shifts in the economy, many people are widening their job search and planning a move to a new city or state. Before you relocate for work, here are some budget-conscious ways to make a smooth move. Before relocating for work, make sure to consider your family's needs....

    Provided By Bank of America

  • White Papers // Jan 2010

    Protect Your Finances While On Vacation: Control Costs And Enjoy Peace Of Mind When Traveling

    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 money concerns from interfering with your good time. The steps such as plan an affordable and reliable vacation, make...

    Provided By Bank of America

  • White Papers // Jan 2010

    Which Auto Insurance Coverages Are Available To Me?: Tips To Find Affordable Insurance

    Safety on the road requires more than just air bags and seatbelts. Help protect yourself financially with automobile insurance. Here's an introduction to the different coverage's auto insurance typically provides, and tips on how to get the best value for your money. Bodily injury liability coverage typically provides coverage for...

    Provided By Bank of America

  • White Papers // Jan 2010

    How To Recover From Bankruptcy

    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 from bankruptcy quickly and safely. Make sure credit reports are up to date, build bankruptcy protection, pay your...

    Provided By Bank of America

  • White Papers // Jan 2010

    Retraining For A New Career: What To Ask Before Investing In A New Profession

    If you're looking for work, retraining is an attractive and popular option. In fact, increasing numbers of older students are attending community college. But you want to make sure you're getting good value for the time and money before investing in a new profession. A good job pays the bills....

    Provided By Bank of America

  • White Papers // Jul 2009

    How To Save By Outsourcing Payroll Processing

    Outsourcing payroll is a smart way to save costs-especially for small businesses. Payroll companies write checks, offer direct deposit, and provide W-2 and other tax reporting forms at the end of the year-they also calculate employee tax amounts, compute funds for deposit to employee savings accounts, and prepare job cost...

    Provided By Bank of America

  • White Papers // Jan 2009

    Nine Frequently Asked Questions About IRAs

    The tax bill on a Roth IRA rollover is actually larger than it seems at first because you pay the bill with money that would otherwise be invested. So to fairly evaluate the benefit of a rollover, you should compare the after-tax value of your traditional IRA at retirement to...

    Provided By Bank of America

  • White Papers // May 2010

    Bank Of America Business Capital: Perspectives On U.S. Economic Performance

    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 forecast for revenue, financials, M&A activity and foreign markets. Each year this survey provides the market with valuable...

    Provided By Bank of America

  • White Papers // Jun 2010

    Why CFOs Eager To Fill Financing And Liquidity Gaps Are Turning To Receivables For Leverage

    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 and getting advances against them can cost 30% to 40% more than an unsecured bank line, for example. In addition, "The CFO enters a different...

    Provided By Bank of America

  • White Papers // Jan 2010

    Deciding Whether Or Not To Retire By Age 65

    Today, more Americans live 20 or even 30 years past age 65. To be sure they can afford to retire; many people are considering working beyond the traditional retirement age. According to The 2010 Retirement Confidence Survey by the Employment Benefit Research Institute, a third of all workers believe they...

    Provided By Bank of America

  • Case Studies // May 2010

    HCA, Inc.

    HCA, Inc. (HCA) is the leading provider of healthcare services in the United States. Merrill Lynch's healthcare investment banking group, had a long-standing relationship with HCA, advising HCA for years on financial and strategic alternatives aimed at enhancing shareholder value. Despite the strategic initiatives HCA had undertaken, management believed it...

    Provided By Bank of America

  • White Papers // Jan 2010

    Which Auto Insurance Coverages Are Available To Me?: Tips To Find Affordable Insurance

    Safety on the road requires more than just air bags and seatbelts. Help protect yourself financially with automobile insurance. Here's an introduction to the different coverage's auto insurance typically provides, and tips on how to get the best value for your money. Bodily injury liability coverage typically provides coverage for...

    Provided By Bank of America

  • White Papers // Jun 2010

    The Impact Of New M&A Accounting Standards In An Improving Marketplace

    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 have been preparing their teams to factor the impact of the new standards into their deal processes. Accretion-dilution analyses have been...

    Provided By Bank of America

  • White Papers // Jan 2010

    How To Recover From Bankruptcy

    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 from bankruptcy quickly and safely. Make sure credit reports are up to date, build bankruptcy protection, pay your...

    Provided By Bank of America

  • White Papers // Jan 2010

    Retraining For A New Career: What To Ask Before Investing In A New Profession

    If you're looking for work, retraining is an attractive and popular option. In fact, increasing numbers of older students are attending community college. But you want to make sure you're getting good value for the time and money before investing in a new profession. A good job pays the bills....

    Provided By Bank of America

  • White Papers // Jan 2010

    Preparing Teenagers For Their First Job: Help Teens Balance Responsibilities At School And Work

    Your teen's first job can be an excellent opportunity to save for college and learn the value of money. As a parent, you can help your child have a great experience by providing expert coaching tips such as reinforce that school is priority No. 1, teach them to manage responsibilities,...

    Provided By Bank of America

  • White Papers // Jan 2010

    Protect Your Finances While On Vacation: Control Costs And Enjoy Peace Of Mind When Traveling

    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 money concerns from interfering with your good time. The steps such as plan an affordable and reliable vacation, make...

    Provided By Bank of America

  • Case Studies // May 2010

    Provo Craft & Novelty

    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 States. Provo Craft has continued its strong financial performance since BAMLCP's investment and recently launched its newest product, the Cricut...

    Provided By Bank of America

  • White Papers // Jan 2010

    Living On One Income: 6 Strategies: How To Make Ends Meet With One Paycheck

    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 diary of how you spend ATM withdrawals to understand your cash habits. If...

    Provided By Bank of America

  • White Papers // Jan 2010

    Twitter Tips From Bank Of America: Stay Connected With Companies And Friends

    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 their favorite companies and brands for information and assistance. Like Facebook, Twitter is a community platform that...

    Provided By Bank of America

  • White Papers // Jan 2010

    Introduction To Estate Planning: Get Started On Putting Your Affairs In Order

    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 behalf in case you can't, and minimize the taxes due after you die. A will is one...

    Provided By Bank of America

  • White Papers // Jan 2010

    What Not To Buy: 6 Items To Rent: How To Save Money By Renting Vs. Buying

    Owning your own gear is often a money-saver, especially for items that you use all the time. For other items there are some advantages of renting instead of buying. If you need something just once or for a short period, or if it's large and hard to store, consider renting...

    Provided By Bank of America

  • White Papers // Jan 2010

    Do You Need More Than One Credit Card?: Advantages And Disadvantages Of Having Multiple Credit Cards

    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 multiple credit cards, having a separate card with a low credit limit just for online shopping...

    Provided By Bank of America

  • White Papers // Jan 2010

    How To Get Information About Borrowing Money

    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 borrowing money, you'll want to be sure you can afford to pay it...

    Provided By Bank of America

  • White Papers // Jan 2010

    Should You Become A Guarantor For A Credit Card?

    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 the recent passage of the CARD Act limiting credit card access for those under...

    Provided By Bank of America

  • White Papers // Jan 2010

    The Costs Of Cash Advances On Your Credit Card

    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 card to your deposit account. It can be convenient when you are occasionally...

    Provided By Bank of America

  • White Papers // Jan 2010

    How Long Does It Take To Rebuild Credit?: Tips For Repairing Your Credit Score

    Your credit score is a numerical value that describes how well you've handled credit. Your credit score will go down if you miss payments, default on loans or go through bankruptcy, but the good news is you can start to repair your credit score immediately with the right behavior. For...

    Provided By Bank of America

  • White Papers // Jan 2010

    Keeping Your Debt Load Manageable: How Understanding Your Debt-To-Income Ratio Can Help

    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 can't afford your monthly payments or your credit score starts slipping. Fortunately,...

    Provided By Bank of America

  • White Papers // Jan 2010

    Ten Ways to Save on Your Home Insurance

    This paper gives some ways to save on the cost of your home insurance. A wide variety of discounts are available, ranging from the type of building material used to build your home to how close you live to a fire station. These discounts will vary by state and insurance...

    Provided By Bank of America

  • White Papers // Jan 2010

    Treating Savings As An Expense: How To Build Your Savings With Automated Deposits

    Many of us are putting more money in the bank to protect our families in case of a job loss or other financial emergency. The personal savings rate reached more than 4 percent in the early part of 2009. Now's the time to build your savings. Automated savings deposits can...

    Provided By Bank of America

  • White Papers // Jan 2010

    Managing Your Income During Retirement: Retirement Finance Tips To Make Your Savings Last

    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 work or even starting your own small business. Besides rethinking your time, you should take a new...

    Provided By Bank of America

  • White Papers // Jan 2010

    What Are Your Top Financial Concerns?: Take Action On Seven Money Worries

    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 money worries is to refocus your energy into action. This paper gives clear steps...

    Provided By Bank of America

  • White Papers // Jan 2010

    The Importance Of Managing Your Account Balances

    Managing your account balances is a cornerstone of good financial health. By knowing how much you have in each of your accounts, you can help keep on track with your budget and avoid having your card turned down because of insufficient funds. Now, with Text Banking, you can quickly and...

    Provided By Bank of America

  • White Papers // Jan 2010

    Tax Benefits Of Charitable Giving: Turn Charitable Donations Into Tax Savings

    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 deductible. Claim the value of any items or property you donate. For new items, deduct the purchase price. For used...

    Provided By Bank of America

  • White Papers // Jan 2010

    Thinking About Living On Cash Only?: 6 Tips On How To Get By With Just Your Checking Account

    Debit cards offer many of the conveniences of credit cards. They make purchases easy and help you avoid the risk of carrying around a lot of cash. Debit cards don't offer you a line of credit. Instead, your purchases are deducted directly from your checking account, so you don't have...

    Provided By Bank of America

  • White Papers // Jan 2010

    Save Money By De-Cluttering Your Home: How Cleaning Up Can Help Your Finances

    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 you money? This paper shows how de-cluttering your home can help you save. Don't just...

    Provided By Bank of America

  • White Papers // Jan 2010

    What Makes A Real Bargain?: Tips On Identifying A Good Deal

    Retailers often get you in the store with offers of no money down and no interest for several months. Depending on the offer, this may be a great deal if you manage to pay off the purchase within the contract period. However, if you don't pay it off by then,...

    Provided By Bank of America

  • White Papers // Jan 2010

    How Much Do You Need For Retirement?: Find Your Personal Retirement Number

    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 retirement dreams come true years from now by making smart saving decisions today. Many...

    Provided By Bank of America

  • White Papers // Jan 2010

    Get Started On Saving For Retirement: 5 Steps To Start Your Retirement Plan

    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 news is that a little planning and commitment are all you need to...

    Provided By Bank of America

  • White Papers // Jan 2010

    Fast-Track Retirement Savings After You Return To Work: How To Reach Your Retirement Goals In Less time

    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 savings while off work, so here's how to catch up for lost time. You may...

    Provided By Bank of America

  • White Papers // Jan 2010

    Maximize Your Savings In 2010: How To Create A Savings Plan For The New Year

    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 everything you spend. That includes every latte, every magazine. Divide your expenses into categories (dining out, rent, utilities, etc.)...

    Provided By Bank of America

  • White Papers // Jan 2010

    The Benefits Of A Savings Account: A Safe And Reliable Way To Grow Your Money

    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 need it, such as for an emergency. Depending on your type of account and the...

    Provided By Bank of America

  • White Papers // Jan 2010

    What Is Savings Allocation: Reduce Your Financial Risks By Varying Your Investments

    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 money, each with their own benefits and risk levels, so using several at one time can be...

    Provided By Bank of America

  • White Papers // Jan 2010

    What Are The 5 Reasons Individuals Should Open A Health Savings Account (HSA)?

    You know your needs better than anyone else, so shouldn't you be in control of making your own health care spending decisions? Created by the Medicare Prescription Drug Improvement and Modernization Act in 2003, HSAs are tax-free savings accounts that you can use to pay for qualified medical expenses, allowing...

    Provided By Bank of America

  • White Papers // Jan 2010

    What Are The 5 Reasons Employers Should Offer Health Savings Accounts (HSAs)?

    The cost of insurance has hit an all-time high. The problem is that consumer choice and the pressure it brings to the market have been removed. Employers typically pay the majority of health care costs, limiting their employees' options and driving costs up. Consumer-driven health care is the future of...

    Provided By Bank of America