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    <title>Home : Thread List - All Communities</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/index.jspa?view=discussions</link>
    <description>Latest Forum Threads in Home</description>
    <language>en</language>
    <pubDate>Sat, 28 Nov 2009 17:15:01 GMT</pubDate>
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    <dc:date>2009-11-28T17:15:01Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>Image and Artwork Commercial Licenses Available</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23226</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>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2017">advertising</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2017">business_service</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2017">marketing</category>
      <pubDate>Sat, 28 Nov 2009 15:11:22 GMT</pubDate>
      <author>djwoodmansee</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23226</guid>
      <dc:date>2009-11-28T15:11:22Z</dc:date>
      <clearspace:dateToText>1 hour ago</clearspace:dateToText>
      <clearspace:messageCount>1</clearspace:messageCount>
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    <item>
      <title>eBay Marketing Traning</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=22557</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?threadID=22557</guid>
      <dc:date>2009-10-23T17:48:50Z</dc:date>
      <clearspace:dateToText>1 hour ago</clearspace:dateToText>
      <clearspace:messageCount>1</clearspace:messageCount>
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    <item>
      <title>Penny Auction Site Offering Designer Accessories</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23222</link>
      <description>Hi all:&lt;br /&gt;
&lt;br /&gt;
My new business, www.dime-divas.com, has been up and running for less than a month.  We have a fairly low user-base right now, so the deals are more than that - they are steals.&lt;br /&gt;
&lt;br /&gt;
Please take some time to view my site.  We offer 100% authentic handbags, watches, wallets, jewlery, and more for women, men and children.  Unlike other sites, all of our items are in stock!  And, we have a spafinder.com rewards program.  If you are not familiar with penny auctions, here's a brief description:  registered users buy bids for approximately $.65 each.  The items offered have a set end time.  Each bid placed on an item increases the final price by $.01 and ending time by 10 seconds.  Tonight, a Marc Jabos bag that retailed for $1295 sold for $2.06 (or 196 bids).&lt;br /&gt;
&lt;br /&gt;
We offer Marc Jacobs, Coach, Kate Spade, Cole Haan, Juicy Couture, Michael Kors, L.A.M.B. and more.&lt;br /&gt;
&lt;br /&gt;
Sign up today and receive 3 free bids (we call them DivaDimes)!&lt;br /&gt;
&lt;br /&gt;
Glam on,&lt;br /&gt;
Traci</description>
      <pubDate>Sat, 28 Nov 2009 02:50:45 GMT</pubDate>
      <author>dimediva</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23222</guid>
      <dc:date>2009-11-28T02:50:45Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
      <clearspace:messageCount>3</clearspace:messageCount>
      <clearspace:replyCount>2</clearspace:replyCount>
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    <item>
      <title>Seasonal Business - Should we close in the down season?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23230</link>
      <description>&lt;br /&gt;
Seasonal Business - Should we close in the down season?&lt;br /&gt;
&lt;br /&gt;
Postby moabsdailygrind on Sun Dec&lt;br /&gt;
Hi, does anyone else operate a coffee business in a small, seasonal town? Our drive-thru has been open 9 months now, and we thought we were prepared for the winter down season, but it's been awful. We have never done extremely high volume, but we were at least turning a small profit which I thought was good for our first year. Last Saturday I sold $9, which was just depressing. So, now we are trying to decide if we should close for the winter season. There is one other drive-thru in town who is better established. As soon as December 1st hit, they radically cut their hours and started closing at 1 pm (they were open until 6). I try to pay attention to what they are doing, because I know they are really clever people.&lt;br /&gt;
&lt;br /&gt;
I guess what my real question is, is do you think it would upset my local business if I closed for 6 weeks? Would this be detrimental to the growth of my business? My location is good, one that is more convenient for many people than the other drive-thru. However, because we are a seasonal town, many of the businesses close in the winter, including the restaurants.&lt;br /&gt;
&lt;br /&gt;
When I first started, my goal was to capture enough of the local business to make it through the down-season. However, I did not anticipate that even many of my regulars leave in the winter because the town is so dead.&lt;br /&gt;
&lt;br /&gt;
We have actually already been closed down a week because our espresso machine broke (another post). But, I spent so much on holiday flavors, christmas baskets, and extra beans, I don't want it all to go to waste. My husband says to just give it to our relatives for gifts this year.&lt;br /&gt;
&lt;br /&gt;
Please share your advice.</description>
      <pubDate>Sat, 28 Nov 2009 13:37:05 GMT</pubDate>
      <author>krstymeggy</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23230</guid>
      <dc:date>2009-11-28T13:37:05Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
      <clearspace:messageCount>2</clearspace:messageCount>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Home Business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=22887</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?threadID=22887</guid>
      <dc:date>2009-11-11T08:09:56Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
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    <item>
      <title>How to start a Mini Help Desk enabling business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23203</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>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">business_plan</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">customers</category>
      <pubDate>Thu, 26 Nov 2009 20:11:42 GMT</pubDate>
      <author>joolwee</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23203</guid>
      <dc:date>2009-11-26T20:11:42Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
      <clearspace:messageCount>3</clearspace:messageCount>
      <clearspace:replyCount>2</clearspace:replyCount>
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    <item>
      <title>As a merchant, would you choose a cash advance?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23152</link>
      <description>&lt;br /&gt;
If the opportunity came along to secure working capital for the Holiday season, and the potential for growth was worth the cost of the money, would you take it?  If not, why?  I would like to open a discussion with business owners to get their opinion on cash advances.&lt;br /&gt;
&lt;p /&gt;
&lt;ul&gt;
&lt;li&gt;1.) Have you ever taken a cash advance?&lt;/li&gt;
&lt;li&gt;2.) Would you take one again?&lt;/li&gt;
&lt;li&gt;3.) If not, what factors would hold you back?&lt;/li&gt;
&lt;/ul&gt;
&lt;p /&gt;
I would appreciate any feedback (be it positive or negative) on this subject.</description>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">buisness</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">collateral</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">financing</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">loans</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">small_business_loan</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">working</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2006">capital</category>
      <pubDate>Mon, 23 Nov 2009 21:10:02 GMT</pubDate>
      <author>CapitalExpert</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23152</guid>
      <dc:date>2009-11-23T21:10:02Z</dc:date>
      <clearspace:dateToText>3 hours ago</clearspace:dateToText>
      <clearspace:messageCount>3</clearspace:messageCount>
      <clearspace:replyCount>2</clearspace:replyCount>
    </item>
    <item>
      <title>Wanting to buy an existing Automotive type business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23180</link>
      <description>I am actively searching to buy an existing automotive repair type business. Have 15 yrs business management and sales experiece working for others with life trade and hobby experience in mechanics and construction. I know the well run independent consumer repair type garages are doing well and have actually increased business over the last 2 years. However, I have found a business that peaks my interest and believe it is lacking the focused efforts it needs to grow. Unfortunately it is a more niche related business than I would like to have limiting the revenue stream to just high performance upgrades with parts sales and only focusing on higher end American made late model cars. My question, what is the size and viability of this specific market mainly in Florida? There are so many speed shops as well as on-line parts distributors I need to know just how vast this niche market is and what the current demand is given the current economy. Is it growing? Declining? Saturated? Has this upper aged customer market segment taken a hit or been unaffected? Any experienced or opinionated feedback would be helpfull.</description>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">business</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">business_plan</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">business_start_up</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">buy_a_business</category>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2003">buy_existing_business</category>
      <pubDate>Wed, 25 Nov 2009 15:14:38 GMT</pubDate>
      <author>JBFL2003</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23180</guid>
      <dc:date>2009-11-25T15:14:38Z</dc:date>
      <clearspace:dateToText>4 hours ago</clearspace:dateToText>
      <clearspace:messageCount>3</clearspace:messageCount>
      <clearspace:replyCount>2</clearspace:replyCount>
    </item>
    <item>
      <title>Starting a temporary staffing agency</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23107</link>
      <description>Hello Community,&lt;br /&gt;
Is there any information that someone can give me on how to start a  temp agency. I would like to focus on the area of accounting or some sort of business focus. Any knowledge and ideas.&lt;br /&gt;
&lt;br /&gt;
Thanks,&lt;br /&gt;
ladyc</description>
      <pubDate>Sat, 21 Nov 2009 16:17:27 GMT</pubDate>
      <author>ladyc125</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=23107</guid>
      <dc:date>2009-11-21T16:17:27Z</dc:date>
      <clearspace:dateToText>4 hours ago</clearspace:dateToText>
      <clearspace:messageCount>9</clearspace:messageCount>
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    <item>
      <title>Home Based Business</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=22874</link>
      <description>&lt;br /&gt;
Why you may want to think about starting a blog these days&lt;br /&gt;
&lt;p /&gt;
If you wonder what is the use of blogging, then the answers are as varied as the people who post them. People can set up blogs for personal reasons, but even a small business can use these sites to keep in touch with customers. An individual might wish to keep a blog for personal reflections or writings, or even to become part of a wider community. And of course there are those other blogs that gossip about famous people in the news.&lt;br /&gt;
&lt;p /&gt;
Businesses and &lt;b&gt;home based business&lt;/b&gt; sites, on the other hand, might hope to keep in touch with customers, posting information about products and getting feedback. Additionally, the reason for the existence of news and gossip blogs is probably self-explanatory.&lt;br /&gt;
&lt;p /&gt;
The community aspects of blogging can open many doors for an individual. For example, you and several others might form what is simply a friendly community where people talk about their love of pets or books. Those with a health condition like diabetes or multiple sclerosis might give each other tips or encouragement. Blogs can be part of the wider social phenomenon, feeding into discussion forums and attached to photo sites. But a blogging community can have much more of an activist nature, albeit occasionally obnoxious too. &lt;br /&gt;
&lt;p /&gt;
What is the use of blogging then? The answer to that depends on what you need. Whether you'd like to catch up on the gossip about famous people, become part of a community, or just record your own thoughts and reflections, blogs can serve almost any purpose you need. Nobody should be fooled into thinking that blogging is nothing more than placing text, graphics and photos on a web page.</description>
      <category domain="http://smallbusinessonlinecommunity.bankofamerica.com/tags?communityID=2004">home_business</category>
      <pubDate>Sat, 07 Nov 2009 13:34:19 GMT</pubDate>
      <author>homebusiness</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?threadID=22874</guid>
      <dc:date>2009-11-07T13:34:19Z</dc:date>
      <clearspace:dateToText>5 hours ago</clearspace:dateToText>
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