Bank of America

Displaying 1-40 of 159 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

    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 // 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

    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 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 // 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

    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

    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 // 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

    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 // 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

    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

    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

    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

    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

    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

    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

    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

    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 2009

    Why It's Important To Write A Will Now

    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 portfolio, the value of your retirement plan and the payout of your insurance plan....

    Provided By Bank of America

  • White Papers // Jan 2009

    Splitting Retirement Accounts

    Used to be the house was the biggest asset to split in a divorce. These days, it's the retirement account. Whether it's a pension or profit-sharing arrangement, 401(k), stock bonus plan or Keogh, it will probably be split up as part of your divorce property settlement. Same thing for IRAs....

    Provided By Bank of America

  • White Papers // Jan 2009

    Pre-Medicare Health Insurance Options

    Hoping to retire early? You might want to reconsider. According to insurance experts, the most expensive period of a person's life to buy individual health coverage is between the ages of 55 and 64. Too young to qualify for Medicare, they're also old enough to be considered highly risky by...

    Provided By Bank of America

  • White Papers // Jan 2009

    Understanding The IRA Withdrawal Rules

    Tapping your IRA, of course, means you'll also get stuck with the resulting income-tax bills. If you fail to take at least the minimum withdrawal amount each year, you'll owe a 50% penalty on the shortfall. Of course, you can always take out more than the minimum and pay the...

    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 // Jan 2009

    Earning An A In Retirement Planning

    If you can squeeze some additional savings out of your budget, consider a Roth IRA. Contributions made to these accounts are made with after-tax dollars, but qualified withdrawals taken during retirement are completely tax-free, making this one of the best ways to save for one's golden years. The Roth IRA...

    Provided By Bank of America

  • White Papers // Jan 2009

    Saving Too Much For Retirement?

    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 made. Assuming that a 15% contribution isn't leaving a lot left over for savings elsewhere, it could be time...

    Provided By Bank of America

  • White Papers // Jan 2009

    Retirement Savings Distribution Options

    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 money you've saved without constantly worrying that you're running through it too...

    Provided By Bank of America

  • White Papers // Jan 2009

    A Woman's Guide To Retirement

    A comfortable retirement is a breathtakingly expensive endeavor. Financial planners suggest that one should shoot for an annual retirement income that's roughly 80% of your preretirement income. Translation? Everyone needs to save - a lot. But women - who tend to live five years longer than men - should actually...

    Provided By Bank of America

  • White Papers // Jan 2009

    Getting Ready For Retirement

    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 your portfolio is to weather the stock market's periodic storms and leave you with...

    Provided By Bank of America

  • White Papers // Jan 2009

    Early Retirement

    Although 59 ? is generally the magic number for starting to receive retirement plan distributions without a 10% federal penalty (whether you continue to work or not), you can get full access to your money in a company plan such as a 401(k) if you retire as early as 55....

    Provided By Bank of America

  • White Papers // Jan 2009

    Last-Minute Retirement Planning

    The best way to save for retirement is to diligently sock away dollars starting with your very first paycheck and stopping only once the champagne is served at your retirement party. Too bad it doesn't always work out that way. On the road to a comfy retirement, many folks hit...

    Provided By Bank of America

  • White Papers // Jan 2009

    Rolling Over Retirement Accounts

    Chances are you'll have to roll over a retirement account at least once in your lifetime. Most likely, it will be when you leave your current employer and take your 401(k) with you. Or, you may be eligible to roll over your current IRA into a Roth. This paper explains...

    Provided By Bank of America

  • White Papers // Jan 2009

    Got A 401(K) Question?

    A 401(k) can be a glorious thing, but let's not forget that these plans are regulated by the government. That means they are subject to many rules and regulations. This paper provides answers to some of the more common questions we get about 401(k)s. Most plans do allow you to...

    Provided By Bank of America

  • White Papers // Jan 2009

    How Time Affects Risk

    Many beginning investors eye the stock market with a bit of suspicion. They view equity investing as an anxious game of Russian roulette: The longer they stay in, the greater their chance of experiencing more losses. In fact, history shows that the opposite is true. The easiest way to reduce...

    Provided By Bank of America

  • White Papers // Jan 2009

    Defensive Investing Strategies

    There are times when investing looks like such a sure thing that limiting your rewards with any sort of defensive strategy seems foolish. But venturing into the markets fully exposed is like giving up your health-insurance policy to pay for a family skiing trip - one serious tumble, and you're...

    Provided By Bank of America

  • White Papers // Jan 2009

    Fund Investment Styles

    A fund manager's job is to create a portfolio that blends different types of stocks and bonds to achieve the maximum return for a given level of risk. Some managers are more willing to roll the dice on risky stocks in search of high rewards. Others are more defensive, seeking...

    Provided By Bank of America

  • White Papers // Jan 2009

    Bonds Vs. Bond Funds

    Bonds are complex - there's no doubt about it - especially if you're a novice investor with little experience in the markets. That's why a lot of people opt for the greater simplicity offered by bond funds when they seek to diversify their investments with some fixed-income exposure. If you're...

    Provided By Bank of America

  • White Papers // Jan 2009

    The Tax Perks Of Charitable Giving

    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 other stuff to charitable organizations like United Way and Goodwill. But what you might not...

    Provided By Bank of America

  • White Papers // Jan 2009

    The Grandparent Tax

    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 grandparent left it to the grandchild. Otherwise, it would have been taxed when the grandparent...

    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 // 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 // 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 // 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 // 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 // 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 // Dec 2009

    Seasonal Spirit On A Shoestring

    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 not-so-festive spirit, many entrepreneurs might think that an office holiday party or sending seasonal...

    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 // Feb 2009

    Eight Tips For Better Cash Management

    During uncertain times, good cash management can lead to transformation of the bottom line and capital unlocks and secures the future of a company. While focusing on cash, eight factors are to be considered. Hidden process inefficiencies across the business are uncovered by good cash management. The quality of information...

    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 2009

    Tax-Friendly Moves For Early Retirees

    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 tax hit (federal and maybe state, too) plus a 10% premature-withdrawal penalty. Sadly, it's not...

    Provided By Bank of America

  • White Papers // Jan 2009

    Taxes When You Sell Your Home

    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 ($500,000 when you file jointly) and owe nothing to the IRS. This great deal was...

    Provided By Bank of America

  • White Papers // Jan 2009

    Tax-Friendly Home Sale Strategies

    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 considerably in recent years. In many cases, those gains will be tax free once it comes time for those...

    Provided By Bank of America

  • Tools & Templates // Jan 2009

    Estate Tax Calculator

    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

  • Tools & Templates // Jan 2009

    Tax-Deferred Savings Calculator

    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

  • 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 // 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 // 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 // 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 2009

    How To Attract New Customers

    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 in his existing customers and court the attention of those looking for a business to believe in....

    Provided By Bank of America