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    <title>Home: Message List</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/index.jspa?view=discussions</link>
    <description>Most recent forum messages</description>
    <language>en</language>
    <pubDate>Sat, 28 Nov 2009 20:46:28 GMT</pubDate>
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    <dc:date>2009-11-28T20:46:28Z</dc:date>
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    <item>
      <title>Looking for a partner in Fashion Retail business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86042&amp;amp;tstart=0#86042</link>
      <description>My partner and I are currently looking for a third partner either in the Southern California area or willing to relocate. I reside outside of New York City, but am moving to Souther California in mid-January. &lt;br /&gt;
&lt;br /&gt;
I currently own and operate Keepin' it Classy, LLC (www.keepinitclassy.com). We are saving our launch date until after January. Keepin' it Classy is an online women's contemporary clothing boutique that both engages in the retail and resale of new and/slightly worn designer merchandise. We also are beginning to design our own clothing and jewelry line as well as establishing a separate physical boutique in Southern California. &lt;br /&gt;
&lt;br /&gt;
I am looking for a creative partner with retail experience, a strong eye for fashion and great determination. If you are a looking for that opportunity to be an entrepreneur, now is your chance. If you have already started a women's contemporary clothing line and are looking to launch it, this may be your perfect platform. &lt;br /&gt;
&lt;br /&gt;
Please contact me with further questions and/or position inquiries.&lt;br /&gt;
&lt;br /&gt;
Thanks!</description>
      <pubDate>Sat, 28 Nov 2009 20:46:28 GMT</pubDate>
      <author>KIClassy3</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86042&amp;amp;tstart=0#86042</guid>
      <dc:date>2009-11-28T20:46:28Z</dc:date>
      <clearspace:dateToText>53 minutes ago</clearspace:dateToText>
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    <item>
      <title>Image and Artwork Commercial Licenses Available</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86061&amp;amp;tstart=0#86061</link>
      <description>If you are a business or a manufacturer that uses and has a need for fresh, beautiful images or fine art for any of the following items: T-shirts, Jigsaw Puzzles, Toys, Greeting Cards, Clocks, Gift Items, Playing Cards, Picture Frames, Shopping Bags, or ANY product where you want to place an image. Then you've come to the right place!&lt;br /&gt;
&lt;br /&gt;
          If you're a print manufacturer or a publisher that needs images for Product Labels, Book Covers, Magazine Articles, Calendars, Posters, Bookmarks, Giclee' Prints, Art on Canvas, or Prints of various sizes. Then you've come to the right place!&lt;br /&gt;
&lt;br /&gt;
         Are you a business or manufacturer that's tired of paying royalties. keeping track of impressions and individual usages and then feeling like you're being "nickel and dimed" to death? And after all of that, seeing your competitors are using some of the same images?  I can help!&lt;br /&gt;
&lt;br /&gt;
          Allow me to introduce myself, I'm former New York photographer and artist Daniel J. Woodmansee, now living on the beautiful Emerald Coast of Florida and I'm offering exclusive commercial reproduction licenses worldwide for my unique images. These licenses are non-restrictive! Options include North American only, Global excluding North America or Global INCLUDING North America.&lt;br /&gt;
&lt;br /&gt;
        5 years, 10 years or lifetime options are available. These licensing rights are completely royalty free! &lt;br /&gt;
       With me, "pay one price"  means just that! After you have purchased the license you can reproduce it as many times and market it in any way that YOU want to, without ever having to pay another cent for using that image during your license term! You can use your licensed image for any or ALL of the above uses and more! Basically, your only usage limit is your imagination!     &lt;br /&gt;
&lt;br /&gt;
       Discounts ALWAYS available for multiple purchases and returning customers.&lt;br /&gt;
&lt;br /&gt;
       With me, Exclusive means that at MOST, one company in North America and ONE company for the rest of the world will be licensed at any one time to reproduce, use and market these images. If you purchase the Global INCLUDING North America rights, you will be the only one in the WORLD legally able to reproduce, use and market your image!&lt;br /&gt;
&lt;br /&gt;
       Most images are 36" x 53" (2592 X 3872 pixels) or 27” x 36” inches (1944 x 2592 pixels), 72 DPI, depth is 8 bits. These images are all NEW, never before marketed and never placed on products. They have also never been used in any advertising other than for myself!  &lt;br /&gt;
&lt;br /&gt;
        The licensee may adjust the color, the size, the DPI, compile a derivative, add any text or your company logo, etc. &lt;br /&gt;
&lt;br /&gt;
        You are not purchasing the copyright, copyright must be on reproductions if feasible, but can be any size and in any location on image. Copyright and complete ownership of an image MAY be possible, contact me and we can discuss it.</description>
      <pubDate>Sat, 28 Nov 2009 15:11:22 GMT</pubDate>
      <author>djwoodmansee</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86061&amp;amp;tstart=0#86061</guid>
      <dc:date>2009-11-28T15:11:22Z</dc:date>
      <clearspace:dateToText>4 hours ago</clearspace:dateToText>
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    <item>
      <title>eBay Marketing Traning</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=84453&amp;amp;tstart=0#84453</link>
      <description>&lt;br /&gt;
Ways to sell your stuff to get more money&lt;br /&gt;
&lt;br /&gt;
Sometimes, making a few dollars just takes a little bit of creativity and imagination. Have you ever considered buying items to turn around and sell them at a profit? Plenty of people are buying things at thrift stores and garage sales, then putting them up for sale on sites such as Ebay.com. If you go take a look at some of the merchandise on Ebay on any given day, you'll see that most individuals are selling all sorts of things - and making money!&lt;br /&gt;
&lt;br /&gt;
Thrift store versus garage sales - which are better? Garage sale markups are not as high as the thrift store, and you can find more items that are "like new."  The other benefit of a garage sale is that you can haggle with a seller; thrift stores are less likely to let you ask for a price reduction. You do, however have to watch out for sellers that have emotional attachment to their items. While the vase given to them by their grandmother may have sentimental value, that does not affect the actual value of the item.&lt;br /&gt;
&lt;br /&gt;
Sometimes, you'll buy something that you won't be able to sell, or that will only sell for the same price you paid originally. Being aware of supply and demand is important, and you'll need to try to isolate your purchases to things that people want, not things that are easy to find or don't turn a profit. Reading up on how to spot a valuable item at a garage sale or an auction is a good tactic. There have been individuals who've made a lot of money by purchasing and selling off what someone considered junk.  &lt;br /&gt;
&lt;p /&gt;
Deciding where to sell your items depends on what the item is. There are several websites that are best for selling books, with Amazon.com and Half.com being the top two. Items can be sold on Ebay.com and usually make a profit if your description and terms are well written; the better your description and picture, the more money you'll sell for. Another place to sell items is on Craigslist.org; just look up your local area and see what prices other people are selling similar items. You can also offer to barter for items on their site with relative ease. Anyone who has done any form of eBay marketing training will know these concepts.&lt;br /&gt;
&lt;br /&gt;
The last option to earn money off items is hosting your own garage sale. This can be profitable if you go to garage sales at the end of the day when the seller is trying to get rid of everything to avoid packing it back up. You can also check out Craigslist.org for free items that are being offered. Many times after a garage sale, people will list that all their leftover items are sitting on the curb, free for the taking. If you have a truck and some garage space, you can take everything off their hands at the end of the day. The benefit to sellers is they don't have to haul leftovers back inside, and you get items for free - a win/win situation! &lt;br /&gt;
&lt;br /&gt;
Try to stick with what you know and like. If you're interested in teapots or rooster items, narrow down your purchases to those types. When it comes time to advertise or sell, you'll be more likely to turn a profit if you're selling something you're interested in and know a lot about. Most of all, remember to have fun in your buying and selling business.</description>
      <pubDate>Fri, 23 Oct 2009 17:48:50 GMT</pubDate>
      <author>homebusiness</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=84453&amp;amp;tstart=0#84453</guid>
      <dc:date>2009-10-23T17:48:50Z</dc:date>
      <clearspace:dateToText>4 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Penny Auction Site Offering Designer Accessories</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86060&amp;amp;tstart=0#86060</link>
      <description>Thanks for the welcome!  I updated my profile to include a more detailed description of my business.  Any and all constructive comments about the site are greatly appreciated!</description>
      <pubDate>Sat, 28 Nov 2009 15:09:39 GMT</pubDate>
      <author>dimediva</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86060&amp;amp;tstart=0#86060</guid>
      <dc:date>2009-11-28T15:09:39Z</dc:date>
      <clearspace:dateToText>6 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Seasonal Business - Should we close in the down season?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86059&amp;amp;tstart=0#86059</link>
      <description>&lt;b&gt;Seasonal Business, Welcome&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Who are you?? Go to Members page and share some MORE info.&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;Do you have an accountant?? Have you developed a business plan??&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;Tell me more and I will be happy to share some advice.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Good luck, LUCKIEST&lt;/b&gt;&lt;br /&gt;
&amp;lt;!--Session data--&amp;gt;</description>
      <pubDate>Sat, 28 Nov 2009 14:51:41 GMT</pubDate>
      <author>LUCKIEST</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86059&amp;amp;tstart=0#86059</guid>
      <dc:date>2009-11-28T14:51:41Z</dc:date>
      <clearspace:dateToText>6 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Penny Auction Site Offering Designer Accessories</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86058&amp;amp;tstart=0#86058</link>
      <description>&lt;b&gt;Penny Auction Site, Welcome Traci&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Go to Members page and share some info&lt;/b&gt;&lt;br /&gt;
&lt;p /&gt;
&amp;lt;!--Session data--&amp;gt;</description>
      <pubDate>Sat, 28 Nov 2009 14:47:13 GMT</pubDate>
      <author>LUCKIEST</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86058&amp;amp;tstart=0#86058</guid>
      <dc:date>2009-11-28T14:47:13Z</dc:date>
      <clearspace:dateToText>6 hours ago</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Home Business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85302&amp;amp;tstart=0#85302</link>
      <description>&lt;br /&gt;
Recommended Computer Programs for Home-Based Business Communications to Operate More Efficiently&lt;br /&gt;
&lt;br /&gt;
In today's world, we have almost endless options for communication. Postal mail, email, and videoconferencing are just a few of our choices for keeping in contact with vendors and clients around the globe. Yet the sheer number of choices can lead to confusion. Many options are quite costly, so a balance must be found between function and price.&lt;br /&gt;
&lt;br /&gt;
It's now fairly easy to use a computer as a multi purpose communications tool for your home business, since computer programs are available that include provide telephone service, fax capabilities, video conferencing, and internet. Alternatively, dedicated hardware can be used for each of these functions.&lt;br /&gt;
&lt;br /&gt;
Whether or not to use your computer for various forms of communications depends largely on the power of your system. Communications tools are resource-heavy, requiring large amounts of free hard drive space, as well as taking over most of the computer's RAM when in use. Additionally, most programs become resident in your system tray, meaning that they use a portion of your resources even when not actively in use. Powerful new computers can handle this easily, with no loss of usability. However, older or less powerful computers may show a decided decline in performance due to the utilization of virtual memory and hard drive space.&lt;br /&gt;
&lt;br /&gt;
Assuming that your computer has the capability for it, using communications software has several advantages. Many programs, especially if they are packaged together, will work in unison. This allows the computer to answer the phone and automatically direct the call appropriately. Elaborate voice mail networks can be created, which give the impression that your company is divided into a number of different departments. This adds authenticity and trust in the eyes of the consumer. Additionally, separate components take up space. The more tools housed on your computer, the less devices need to be spread throughout the room.&lt;br /&gt;
&lt;br /&gt;
If your work is performed primarily on the computer, it may be to your disadvantage to set up your communications through your main computer. Pop-up windows will appear every time the phone rings, over whatever you may be involved in. Some business owners find this significantly more distracting than simply answering a regular phone. So, every window that opens leads to another possibilty for a system freeze or crash. This could lead to loss of data.&lt;br /&gt;
&lt;br /&gt;
Another possibility is to obtain software for your own use in dialing out or sending faxes, but install separate components to handle incoming communications. This solution offers maximum flexibility, but requires a higher initial cost outlay. This also has all the drawbacks of both options.&lt;br /&gt;
&lt;br /&gt;
The options are staggering in communications software. Price is not necessarily indicative of quality, and quality varies dramatically between programs. A low quality program is worse than no software at all, as it may drop calls, cut off faxes, and cause conflicts with other programs. Conversely, high quality software will be easy to use, reliable, and highly functional. It is advisable that you read reviews and speak with other users to determine which program is best for you. If you are willing to put in the effort, the right communications software can turn your computer into an important worldwide access point.</description>
      <pubDate>Wed, 11 Nov 2009 08:09:56 GMT</pubDate>
      <author>homebusiness</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85302&amp;amp;tstart=0#85302</guid>
      <dc:date>2009-11-11T08:09:56Z</dc:date>
      <clearspace:dateToText>7 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: How to start a Mini Help Desk enabling business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86056&amp;amp;tstart=0#86056</link>
      <description>&lt;b&gt;How to start a Mini Help Desk enabling business, Welcome&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Who are you?? Go to Members page and share some info&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;also you should&lt;/b&gt; *develop a business plan and contact SCORE. SCORE is FREE.*&amp;lt;!--Session data--&amp;gt;</description>
      <pubDate>Sat, 28 Nov 2009 14:33:44 GMT</pubDate>
      <author>LUCKIEST</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86056&amp;amp;tstart=0#86056</guid>
      <dc:date>2009-11-28T14:33:44Z</dc:date>
      <clearspace:dateToText>7 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: As a merchant, would you choose a cash advance?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86055&amp;amp;tstart=0#86055</link>
      <description>&lt;br /&gt;
Business cash advances can be expensive when compared to traditional lending.  However, if this is your only option when taking advantage of a growth opportunity then it is really not all that expensive when compared to missing the opportunity all together.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
If the benefits out way the costs - then you have a positive effect which should benefit your business.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
I have an MBA in Finance - one of the biggest concepts in finance is "net present value."  While this may be a bit complicated in corporate finance - the concept is very simple.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
If you are presented with one or two or more opportunities to make money for your business - you start with the one that has the largest net, positive effect on cash flow as you should always employ capital in the most advantageous manner possible.  You do this by estimating the net cash inflow from the opportunity (discounted back to today) then subtract out the costs of generating that income stream.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
How this relates to you:  If you have an opportunity to increase your income - an opportunity that provides more benefit then its costs (even just one dollar more) than it is a positive net present value project and, if no other options (other positive net present value projects) are available - this should be acted upon.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Now, if you plan to take on this opportunity, your task is to reduce as much as the costs as you can.  You should research all the funding options that are available to you - rank them - then take the top one if you can or if not move down the list.  Keep moving until you succeed or the costs start to outweigh the benefits of the income stream.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Example, lets say that you have an opportunity to earn $50K net income with a new project provided that you can get funding for it.  You have outlined two options for funding.  1) Traditional bank loan that will cost you $25K when all is said and done and 2) a business cash advance that will cost you $35K when all is said and done.  Of course you will pursue the traditional bank loan as it is cheaper and the total net effect is greater for your business.  But, what if you don't qualify for that bank loan?  You now have two options - take the business cash advance and net $15K for your business ($50K -$35K) or walk away and net nothing ($0).&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Business cash advances are not for every business and should only be used to take advantage of opportunities to that provide a positive net effect (meaning with these funds, you bring in more money than it costs for those funds - net any other expenses).&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Additionally, business cash advances are short-term financing vehicles - thus, they should only be used for short-term financing needs like operating cycle working capital or growth development that has less than one year pay back. If you need long-term financing - then look for long-term financing vehicles.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
If you want to know if a cash advance is right for you - it depends on you and how you manage the advance funds.  What may not work for one business could work for another - it is all up to you.&lt;br /&gt;
&lt;p /&gt;
Business Money Today&lt;br /&gt;
www.BusinessMoneyToday.com</description>
      <pubDate>Sat, 28 Nov 2009 14:21:15 GMT</pubDate>
      <author>phanio</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86055&amp;amp;tstart=0#86055</guid>
      <dc:date>2009-11-28T14:21:15Z</dc:date>
      <clearspace:dateToText>7 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Wanting to buy an existing Automotive type business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86054&amp;amp;tstart=0#86054</link>
      <description>Don't know much about automotive niche markets - but can tell you that most gear heads would rather spend money on their babies (their vehicles) than on food.  I would suggest this - find a local SCORE or small business development center (SBDC) in your area.  They are part of the SBA and free to use.  They can help you research your local market and answer many of your questions - especailly about your local market.  They have tons of research and data at their finger tips.&lt;br /&gt;
&lt;br /&gt;
Also, think about this.  While the current business is in a very narrow niche - it does not have to be.  If you purchase the business, there is no reason that you can't broaden the niche by adding additional products and services or by extenting your reach.&lt;br /&gt;
&lt;br /&gt;
Business Money Today&lt;br /&gt;
www.BusinessMoneyToday.com</description>
      <pubDate>Sat, 28 Nov 2009 13:57:45 GMT</pubDate>
      <author>phanio</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86054&amp;amp;tstart=0#86054</guid>
      <dc:date>2009-11-28T13:57:45Z</dc:date>
      <clearspace:dateToText>7 hours ago</clearspace:dateToText>
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