<?xml version="1.0" encoding="UTF-8"?>
<rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:clearspace="http://www.jivesoftware.com/xmlns/clearspace/rss" xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:opensearch="http://a9.com/-/spec/opensearch/1.1/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:taxo="http://purl.org/rss/1.0/modules/taxonomy/" version="2.0">
  <channel>
    <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>Fri, 27 Nov 2009 06:41:16 GMT</pubDate>
    <generator>Clearspace 1.1.1 (http://jivesoftware.com/products/clearspace/)</generator>
    <dc:date>2009-11-27T06:41:16Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>Re: Voice Broadcasting, reach 10,000 for $190.00</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86021&amp;amp;tstart=0#86021</link>
      <description>Hi Mike, i like to test drive your voice broadcasting system. Please send me information here or to: uyiabraham@yahoo.com</description>
      <pubDate>Fri, 27 Nov 2009 06:41:16 GMT</pubDate>
      <author>zofaa_comm</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86021&amp;amp;tstart=0#86021</guid>
      <dc:date>2009-11-27T06:41:16Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Started a Voice Broadcasting Software Company. Need Help!</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86020&amp;amp;tstart=0#86020</link>
      <description>Hello Everyone,&lt;br /&gt;
I am Uyi Abraham and i just started a software company that provides voice broadcasting technology called Zofaa Communications (Zofaa.com). We automate your phone calls. Our software can also be used to:&lt;br /&gt;
&lt;p /&gt;
Send announcements to your church members about an upcoming event, conference or the visit of a special guest minister&lt;br /&gt;
&lt;p /&gt;
Encourage your whole congregation with an inspirational message or scripture with press 1 option to speak with members who need prayers or counseling&lt;br /&gt;
&lt;p /&gt;
To schedule a meeting, receive prayer requests or poll your members&lt;br /&gt;
&lt;p /&gt;
Thank first time visitors who attended your church service&lt;br /&gt;
&lt;p /&gt;
Emergency cancellation notification&lt;br /&gt;
&lt;p /&gt;
Reminder calls for important events&lt;br /&gt;
&lt;p /&gt;
Fund raising and volunteer efficiency&lt;br /&gt;
&lt;p /&gt;
Communicate quickly to a large group&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;I need help and ideas in marketing this new company. I am also seeking business partnerships and Joint Ventures..&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;</description>
      <pubDate>Fri, 27 Nov 2009 06:37:49 GMT</pubDate>
      <author>zofaa_comm</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86020&amp;amp;tstart=0#86020</guid>
      <dc:date>2009-11-27T06:37:49Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Big Picture Approach to Financing Growth</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86005&amp;amp;tstart=0#86005</link>
      <description>Finding the funds to grow a company or work through a difficult time is always challenging. The activities that CEOs and CFOs must undertake are the same regardless of whether the company is growing and self financing, raising capital or thinking about selling. In the end, value creation is all about the amount of future cash flow the company can generate. &lt;br /&gt;
&lt;br /&gt;
Some of the common questions that arise in driving the funding raising process are: &lt;br /&gt;
&lt;p /&gt;
How much capital?&lt;br /&gt;
When do I need it?&lt;br /&gt;
Who should I get it from?&lt;br /&gt;
How much should it cost?&lt;br /&gt;
How much debt and how much equity?&lt;br /&gt;
Should I personally guarantee the company's debts? If so, how much?&lt;br /&gt;
&lt;p /&gt;
The answer to all of these questions is surfaced by following a process that begins with end in mind, and then systematically works to narrow the likely and feasible alternatives.&lt;br /&gt;
&lt;br /&gt;
Step one involves understanding the current and historical state of the business and how it got where it is. This is coupled with a clear articulation of the objectives of the shareholders and a defined go-forward strategy. Then forecast the likely scenarios and compare proforma company performance to competitive or industry benchmarks for realism. You should be able to assess the likely use of new funds and the timing of when they are required after several iterations. A nice byproduct of the process is an estimate of the value of the business and how it is likely to change over the forecast period.&lt;br /&gt;
&lt;br /&gt;
Armed with this information, you can then begin to determine the go-forward capital structure and target funding sources. Test the market to see if you can really get the capital desired and drive the process in a competitive environment to negotiate and close the deal.&lt;br /&gt;
&lt;br /&gt;
While this may sound easy, it takes time to prepare and execute... so being proactive is critical if you can (sometimes that is hard in a crisis). Getting the right team of players to partner with you and your management team is critical to drive the process and minimize distractions to operations.&lt;br /&gt;
&lt;br /&gt;
Kenneth H. Marks, Copyright 2009, Lead Author of the Handbook of Financing Growth 2nd Edition &lt;a target="_blank" href="http://smallbusinessonlinecommunity.bankofamerica.com/interstitial-page.jspa?businessUrl=http%3A%2F%2Fwww.handbookoffinancinggrowth.com%2F&amp;referrerUrl=http%3A%2F%2Fsmallbusinessonlinecommunity.bankofamerica.com"&gt;http://www.handbookoffinancinggrowth.com/&lt;/a&gt;</description>
      <pubDate>Fri, 27 Nov 2009 00:39:18 GMT</pubDate>
      <author>khmarks</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86005&amp;amp;tstart=0#86005</guid>
      <dc:date>2009-11-27T00:39:18Z</dc:date>
      <clearspace:dateToText>4 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: A Good Resume or A Good Blog?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86006&amp;amp;tstart=0#86006</link>
      <description>i will choose "a good blog"&lt;br /&gt;
because most of employers are focus on your past working experience.&lt;br /&gt;
of course,if you can make your resume a  good looking,that will be better to atract them.&lt;br /&gt;
&lt;br /&gt;
alice&lt;br /&gt;
&lt;a target="_blank" href="http://smallbusinessonlinecommunity.bankofamerica.com/interstitial-page.jspa?businessUrl=http%3A%2F%2Fwww.trade-century.com&amp;referrerUrl=http%3A%2F%2Fsmallbusinessonlinecommunity.bankofamerica.com"&gt;http://www.trade-century.com&lt;/a&gt;</description>
      <pubDate>Fri, 27 Nov 2009 02:33:15 GMT</pubDate>
      <author>nikecoo99</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86006&amp;amp;tstart=0#86006</guid>
      <dc:date>2009-11-27T02:33:15Z</dc:date>
      <clearspace:dateToText>7 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Starting a Woodworking business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85988&amp;amp;tstart=0#85988</link>
      <description>Let me know how to get a hold of you and I will more than happy to help out.&lt;br /&gt;
&lt;br /&gt;
Ken</description>
      <pubDate>Thu, 26 Nov 2009 21:35:30 GMT</pubDate>
      <author>vnavguys</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85988&amp;amp;tstart=0#85988</guid>
      <dc:date>2009-11-26T21:35:30Z</dc:date>
      <clearspace:dateToText>12 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>How to start a Mini Help Desk enabling business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85987&amp;amp;tstart=0#85987</link>
      <description>I created a tool called mini help desk widget for business websites. &lt;br /&gt;
You can reach the FAQ section on silkwise.com to find details. The service is very good and convenient to use. How can I quickly help more and more business websites to enable it?&lt;br /&gt;
&lt;br /&gt;
Thanks, &lt;br /&gt;
Jacob</description>
      <pubDate>Thu, 26 Nov 2009 20:11:42 GMT</pubDate>
      <author>joolwee</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85987&amp;amp;tstart=0#85987</guid>
      <dc:date>2009-11-26T20:11:42Z</dc:date>
      <clearspace:dateToText>14 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Starting a Woodworking business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85986&amp;amp;tstart=0#85986</link>
      <description>&lt;br /&gt;
We are a very small woodworking business, building out of our shop behind our house. We have done craft shows and all that stuff. Trying to get established online. Not alot of $$ resources right now. Trying to figure out shipping, best marketing...... Please help with any ideas?&lt;br /&gt;
We are in small town midwest missouri. Thanks for any advice.</description>
      <pubDate>Thu, 26 Nov 2009 18:30:32 GMT</pubDate>
      <author>primitive</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85986&amp;amp;tstart=0#85986</guid>
      <dc:date>2009-11-26T18:30:32Z</dc:date>
      <clearspace:dateToText>15 hours ago</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Financial Independence with Zrii and HMG....</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86003&amp;amp;tstart=0#86003</link>
      <description>&lt;br /&gt;
&lt;b&gt;Hager Marketing Group ~ Mentoring Leaders to Millions!&lt;/b&gt;</description>
      <pubDate>Thu, 26 Nov 2009 17:40:08 GMT</pubDate>
      <author>MACoulter</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86003&amp;amp;tstart=0#86003</guid>
      <dc:date>2009-11-26T17:40:08Z</dc:date>
      <clearspace:dateToText>16 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>Hiring a Maid Tips</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85985&amp;amp;tstart=0#85985</link>
      <description>With the hectic lifestyle most people have and both partners&lt;br /&gt;
working, a lot of people find they don't have much time left for&lt;br /&gt;
domestic maintenance. Before you check out the Web or call up somewhere&lt;br /&gt;
to take on a maid, there are a few essential questions to ask, and&lt;br /&gt;
there is also some really important information that you should&lt;br /&gt;
carefully consider.You might find a maid from a service, in&lt;br /&gt;
which case the maid will be an employee of the service company. The&lt;br /&gt;
advantages are that the maid service will be responsible for any&lt;br /&gt;
employment taxes, carrying worker's compensation, and should have&lt;br /&gt;
bonded and insured the maid. (Make sure the maid is bonded against your&lt;br /&gt;
losses and not just the maid company's losses.) The company should also&lt;br /&gt;
have insurance in case the maid is injured while at your home. You&lt;br /&gt;
should ask for copies of all current polices, according to Scottsdale house cleaning (&lt;a target="_blank" href="http://smallbusinessonlinecommunity.bankofamerica.com/interstitial-page.jspa?businessUrl=http%3A%2F%2Ffindmaidservices.com%2Fproviders-Scottsdale-AZ.html&amp;referrerUrl=http%3A%2F%2Fsmallbusinessonlinecommunity.bankofamerica.com"&gt;http://findmaidservices.com/providers-Scottsdale-AZ.html&lt;/a&gt;). However, when you employ&lt;br /&gt;
someone, federal law dictates that you must pay social security and&lt;br /&gt;
other specific taxes.&lt;br /&gt;
&lt;br /&gt;
Inquire about what screening and background&lt;br /&gt;
checks the maid company performs on employees. Ask if the maids are&lt;br /&gt;
employees or subcontractors of the maid service. A maid service using&lt;br /&gt;
subcontractors can be more risky. These people are often not required&lt;br /&gt;
to report to work any particular time, might not have the training&lt;br /&gt;
employees have, and insurance liability can be sketchy.&lt;br /&gt;
&lt;br /&gt;
Get&lt;br /&gt;
references from the maid service. Call each reference and ask if they&lt;br /&gt;
have had any complaints and if they recommend the service. Inquire as&lt;br /&gt;
to whether or not they are still using the service. If not, ask why.&lt;br /&gt;
&lt;br /&gt;
Look&lt;br /&gt;
into whether the company has any sort of guarantee with respect to&lt;br /&gt;
quality. Do the maids have supervisors and if so what are they&lt;br /&gt;
responsible for? Request information from the company on whether they&lt;br /&gt;
provide any assurances, and what their current complaint process is.&lt;br /&gt;
&lt;br /&gt;
Will the company be using their equipment or yours? This includes vacuums, mops, buckets, sponges, squeegees and so on.&lt;br /&gt;
&lt;br /&gt;
Get a complete description of what services are included such as:&lt;br /&gt;
&lt;br /&gt;
*emptying trash&lt;br /&gt;
&lt;br /&gt;
*window cleaning&lt;br /&gt;
&lt;br /&gt;
*dishes&lt;br /&gt;
&lt;br /&gt;
*bathroom&lt;br /&gt;
&lt;br /&gt;
*wood floors&lt;br /&gt;
&lt;br /&gt;
*wood polishing&lt;br /&gt;
&lt;br /&gt;
*furniture dusting&lt;br /&gt;
&lt;br /&gt;
*blind cleaning&lt;br /&gt;
&lt;br /&gt;
*light fixture dusting&lt;br /&gt;
&lt;br /&gt;
You&lt;br /&gt;
also need to consider who will be supplying the cleaning products. If&lt;br /&gt;
you are supplying the products make a list and be sure you have them in&lt;br /&gt;
stock when your maid arrives. If the service will be supplying the&lt;br /&gt;
cleaning products, find out what they use and if the products are safe&lt;br /&gt;
for people and pets. Find out if the products disinfect pathogens.&lt;br /&gt;
&lt;br /&gt;
There&lt;br /&gt;
are green cleaning products available. Check the ingredients and&lt;br /&gt;
effectiveness of each one. Some are only diluted versions of the&lt;br /&gt;
originals while others are bio based. These are made up of natural&lt;br /&gt;
bacteria and enzymes and considered non-pathogenetic natural substances&lt;br /&gt;
that can clean safely.&lt;br /&gt;
&lt;br /&gt;
If you have specifically agreed to allow&lt;br /&gt;
the cleaning company to supply the cleaning products, ask for samples&lt;br /&gt;
and apply very small volumes of each one. People have different tastes&lt;br /&gt;
and smells and you do not want to come home to a house with a smell&lt;br /&gt;
that drives you out.&lt;br /&gt;
&lt;br /&gt;
It's a good idea to be home the first time&lt;br /&gt;
your maid cleans if possible. There may be some questions you'll need&lt;br /&gt;
to answer, and at the same time you can watch them go through their&lt;br /&gt;
tasks.&lt;br /&gt;
&lt;br /&gt;
With a little planning and these tips you should be able&lt;br /&gt;
to come home to a clean house and relax. If you have not had a maid&lt;br /&gt;
service before, you will probably find you never want to live without&lt;br /&gt;
it again.</description>
      <pubDate>Thu, 26 Nov 2009 17:10:26 GMT</pubDate>
      <author>LindaC52</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=85985&amp;amp;tstart=0#85985</guid>
      <dc:date>2009-11-26T17:10:26Z</dc:date>
      <clearspace:dateToText>16 hours ago</clearspace:dateToText>
    </item>
    <item>
      <title>A Good Resume or A Good Blog?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86001&amp;amp;tstart=0#86001</link>
      <description>I have been getting many questions lately from individuals looking for a job and are seeking advice as to what should they focus on when looking for a job or what can they do to impress an employer.&lt;br /&gt;
&lt;p /&gt;
Its interesting to see the two types of job seekers:&lt;br /&gt;
&lt;p /&gt;
1) The resume job seeker&lt;br /&gt;
&lt;p /&gt;
2) The blogger job seeker&lt;br /&gt;
&lt;p /&gt;
The resume job seeker is someone who hopes to get a job based on a good looking resume and of course past experience.&lt;br /&gt;
&lt;br /&gt;
The blogger job seeker is someone who will share his or her knowledge in order to pre-sell themselves to a potential employer.&lt;br /&gt;
&lt;br /&gt;
Lets hear it - whats better in today's economy: a good resume or a good blog?</description>
      <pubDate>Thu, 26 Nov 2009 17:06:16 GMT</pubDate>
      <author>iyazam</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86001&amp;amp;tstart=0#86001</guid>
      <dc:date>2009-11-26T17:06:16Z</dc:date>
      <clearspace:dateToText>17 hours ago</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
  </channel>
</rss>

