Bank of America

Displaying 1-40 of 102 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 // Dec 2009

    Supply Chain Finance: Moving From Concept To Implementation

    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 from conceptual solution to fast and practical implementation. This paper reviews SCF in light of current market challenges around working...

    Provided By Bank of America

  • White Papers // Dec 2009

    A Shared Vision Of Supply Chain Integration

    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 financial supply chain trends. Frame supply chain challenges from a client perspective. Present a composite client vision for integrating the financial and...

    Provided By Bank of America

  • 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 // 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 // Jun 2009

    Why A SPAC May Be A Reliable Buyer In The Current M&A Environment

    With the credit markets still all but shut, private equity firms have little means to structure leveraged buyouts, but that doesn't mean some aren't looking to harvest their portfolio companies. While neither the initial public offering market nor secondary buyout transactions offer viable exit opportunities at the moment, some buyout...

    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 // Oct 2009

    Paper Or Plastic

    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 product quality can, among numerous other problems, contribute to this sobering reality, but foremost among the reasons for early failure...

    Provided By Bank of America

  • White Papers // Dec 2009

    Vaccinate Your Small Business

    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. Consequently, it's a good idea for entrepreneurs to take some immediate steps-and if you have already, consider some additional measures-to mitigate...

    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 // 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 // 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 // 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 // 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 // Oct 2009

    How To Navigate The Challenges Of Cross-Border M&A

    Cross-border M&A volume has increased significantly over the past decade in parallel with an overall globalization trend that has seen the maturation of a number of emerging markets. Although the current financial crisis has stalled global M&A activity recently, the crisis may prove to be an inflection point that ushers...

    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 // Sep 2009

    Employee Benefits And Retirement Planning: All About SEPs

    Among all the 401(k) s, 403(b) s, and various types of IRAs available to you and your employees, Simplified Employee Pension (SEP) plans don't get a whole lot of attention. This doesn't mean you shouldn't consider one for your firm. If you're a small business owner just starting to offer...

    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 // 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 // Dec 2009

    Five Stages Of A Turnaround

    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 maintain profitability, it is important to understand what it takes to complete a successful corporate turnaround. The following tips: "Replacing top management, analyzing 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 // 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 // Aug 2009

    Using Social Media To Grow Your Business

    There's a good reason why social media is the hottest buzzword on every business owner's lips these days. For smart small business owners, using social media correctly is a great way to build the business-without investing anything but the time and effort. That's good news at a time when one...

    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 // Sep 2009

    Employee Benefits And Retirement Planning: The '10 Spot

    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 dollars but pays out taxable income upon retirement, and changing it to a Roth IRA, which uses current after-tax contributions to...

    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 // Dec 2009

    Prize-Winning Thinking

    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 attention to this year's Nobel Prize winner in economic science. Besides, all those macroeconomic theories seem to have...

    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 // Oct 2009

    Business Plan 2.0

    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 before. A successful business needs to keep up, which means employing a business model that can change...

    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 // 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

    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 // 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 // Dec 2009

    Maximizing Chapter 11 Success: Five Critical Areas For Chief Restructuring Officers

    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 business leaders go into bankruptcy with unrealistic expectations. Through conversations with peers and selective listening with...

    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 // Aug 2009

    Reassessing Your Business Plan

    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 business plan out of the drawer. In today's economy, reassessing your business plan isn't just wise advice-it's an...

    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 // Dec 2009

    Last-Minute Holiday Marketing Strategies

    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 year. But never fear, it's still not too late to reconnect with your customers and drum up...

    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 // 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