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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>Fri, 27 Nov 2009 10:59:59 GMT</pubDate>
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    <dc:date>2009-11-27T10:59:59Z</dc:date>
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    <item>
      <title>I always wanted to be an Entrepreneur!</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86009&amp;amp;tstart=0#86009</link>
      <description>Hello all,&lt;br /&gt;
           Nice forum Greate descussion going on here. I am here for your expert advice. I live in tampabay Florida and I want to start my business in real estate I did research on real estate industry in tampabay and I came to know that &lt;b&gt;&lt;a target="_blank" href="http://smallbusinessonlinecommunity.bankofamerica.com/interstitial-page.jspa?businessUrl=http%3A%2F%2Fwww.southtampa-luxuryhomes.com%2F&amp;referrerUrl=http%3A%2F%2Fsmallbusinessonlinecommunity.bankofamerica.com"&gt;http://www.southtampa-luxuryhomes.com/&lt;/a&gt;&lt;/b&gt; is a major player in here can any one plese tell me what am I need to do if I want to go long in this industry. Thanks for any suggestions.</description>
      <pubDate>Fri, 27 Nov 2009 10:59:59 GMT</pubDate>
      <author>LuxuryHomes</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86009&amp;amp;tstart=0#86009</guid>
      <dc:date>2009-11-27T10:59:59Z</dc:date>
      <clearspace:dateToText>26 minutes ago</clearspace:dateToText>
    </item>
    <item>
      <title>One Month Free Payroll Services without any Obligation</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86023&amp;amp;tstart=0#86023</link>
      <description>payrolltamp.com provides One Month Free Payroll Service without any objection and obligation and learn how to control labour cost without any cost for more Info Call at Toll Free. 877-614-9206</description>
      <pubDate>Fri, 27 Nov 2009 10:48:04 GMT</pubDate>
      <author>colypr</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86023&amp;amp;tstart=0#86023</guid>
      <dc:date>2009-11-27T10:48:04Z</dc:date>
      <clearspace:dateToText>37 minutes ago</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Is e-learning really as effective as face-to-face training?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86022&amp;amp;tstart=0#86022</link>
      <description>Due to drastic use of internet in study, business and at corporte level e-learning become compulsory to compete with others and for batte representation of business. you only need to search tutorial on internent you will find much useful materials of e-learning.</description>
      <pubDate>Fri, 27 Nov 2009 10:41:39 GMT</pubDate>
      <author>colypr</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=86022&amp;amp;tstart=0#86022</guid>
      <dc:date>2009-11-27T10:41:39Z</dc:date>
      <clearspace:dateToText>44 minutes ago</clearspace:dateToText>
    </item>
    <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>4 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>4 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>5 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>8 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>13 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>15 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>16 hours ago</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
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