Methodology. Bank of America Small Business Owner Report November 2012
|
|
- Annabelle Griffith
- 8 years ago
- Views:
Transcription
1 We are pleased to share the Fall 2012 Small Business Owner Report, a semi-annual study that uncovers the concerns, aspirations and perspectives of small business owners across the country. This study examines a variety of topics that are top of mind for small business owners, including the upcoming holiday season, revenue and growth expectations for 2013, business management and access to capital. Small business owners want to grow or sustain the level of success they ve experienced in 2012, in the year ahead. They are optimistic about revenue and hiring expectations, but are still wary about the health of the economy. Moreover, small business owners are overwhelmingly committed to running their business, with the vast majority saying they ve never had second thoughts about their decision to start a company, despite the stress it can cause them. At Bank of America, we share in this commitment and continue to provide small business owners with the personalized counsel they need to manage their deposit, credit and cash management needs. Small business is without question the most critical driving factor of our national and local economies. We will continue to provide the resources, specialists, research and insights needed to enable small business owners success in the coming year. Methodology Dean Athanasia, Preferred and Small Business Executive Braun Research conducted the Bank of America survey by phone between Sept. 9 and Oct. 7, 2012 on behalf of Bank of America. Braun contacted a nationally representative sample of 1,003 small business owners in the United States with annual revenue between $100,000 and $4,999,999 and employing between 2 and 99 employees. In addition, 300 small business owners were also surveyed in nine target markets including Los Angeles, Dallas, Washington, D.C., New York, Boston, Chicago, San Francisco, Atlanta and Miami. The margin of error for the national sample is +/- 3.1 percent, and +/- 5.7 percent for the oversampled markets, with both reported at a 95 percent confidence level. Table of Contents 2 Small Business Owners are Excited 3 Economic Outlook 4 All Business is Local 5 Black Friday has Minimal Impact 6 Small Business Owners are Well Capitalized 7 Large Businesses Asset or Adversary? 8 The Power of Marketing 9 Small Business Owners Seek Financial Guidance 10 Summary 1
2 Small Business Owners are Excited About Owning A Small Business When asked if they ever had second thoughts regarding their decision to become a small business owner, two-thirds of small business owners say that they don t regret the decision. Additionally, small business owners are optimistic about the year ahead, anticipating an increase in staff and revenue in the coming 12 months. Revenue expectations over the coming 12 months 54 % expect revenue to increase 38 % expect revenue to stay the same $ 7 % expect revenue to decrease Staffing projections over the coming 12 months 3 % plan to reduce staff 31 % plan to hire more employees 56 % plan to keep staffing projections consistent 2
3 Economic Outlook Small business owners are extremely confident in their businesses, but are wary about the health of the overall economy. Over a third of small business owners believe the national economy will improve over the next 12 months and 38% believe their local economy will improve over the next 12 months. They have significant concerns about the coming year with the effectiveness of US government leaders leading the way. Top 5 concerns for small business owners in the coming year: Effectiveness of U.S. Government Leaders 68 % Commodities Prices 66 % Healthcare Costs 65 % Recovery of Consumer Spending 64 % Strength of the U.S. dollar 63 %
4 All Business is Local Small business owners believe the health of their local environment more heavily impacts their business than the national and global economies. The majority of small business s customers come from the community in which their business is based and small business owners cite the local economy as playing a significant role in their business. Where do the majority of your customers come from? MAIN ST. 63 % The majority of my customers come from my local community 27 % The majority of my customers come from outside of my local community, but within the United States 3 % The majority of my customers come from outside the United States When asked the role the local, national and global economy plays in their business, respondents said % The local economy plays a significant role in my business 59 % The national economy plays a significant role in my business 28 % The global economy plays a significant role in my business 4
5 Black Friday Has a Minimal Impact on a Small Business s Bottom Line The holiday shopping season may benefit large businesses, but small business owners overwhelmingly believe that major holiday shopping days, such as Black Friday and Cyber Monday have minimal impact on their business bottom line. When asked which of the following statements most closely matches the importance of Black Friday as it relates to their business bottom line, small business owners said the following 1 % If it weren t for black Friday I wouldn t be in business 7 % Black Friday is one of many significant factors that impact my business bottom line 16 % Black Friday has a minor impact on my business bottom line Importance of Black Friday 75 % Black Friday has no effect on my business bottom line When asked which of the following best reflects their thoughts on the creation of Cyber Monday When evaluated specifically by industry, small business owners in the consumer products, retail and wholesale industries had almost identical feelings to the larger sample. 81 % 12 % 4 % I think cyber Monday is overhyped and has no significance to my business bottom line The creation of cyber Monday has had a modest impact on my business bottom line The creation of cyber Monday has had a significant impact on my business bottom line 5
6 Small Business Owners are Well Capitalized While most small business owners say they know what it takes to obtain a business loan from their bank, access to capital in 2013 is not a priority for a significant majority of them, with many saying they have enough to effectively run their business. Moreover, approximately one in three of the businesses applying for small business loans over the past two years are relatively green, having only been in business between one and five years. In your opinion, do you believe you have enough access to capital to effectively run your small business? Do you intend to apply for a loan in 2013? 70 % Yes 19 % Yes $ 25 % No 78 % No 5 % Don t Know Of the 26% of small business owners who had applied for small business loans within the past two years 80 % were approved. 6
7 Large Businesses Asset or Adversary? Large businesses can be a huge asset for small businesses, motivating small business owners to improve their businesses and also serving as customers for small businesses. Additionally, small business owners are confident in the quality of their business and are not threatened by large businesses. They believe that their customers chose their business over larger businesses mainly because of their customer service. How large businesses are viewed by small business owners 27 % Large businesses can be good customers for my business 31 % Large businesses motivate me to be a better small business owner 17 % Large businesses provide services that are critical to my business operations 17 % Large businesses are my biggest competitor 7
8 The Power of Marketing Not all small business owners rely on digital technology to market their business, as the overwhelming majority (87%) say that good old-fashioned word-of-mouth advertising is the most effective marketing tool. Small business owners find that traditional marketing vehicles are more effective than digital marketing, saying that word of mouth and networking with other small business owners are more effective marketing tactics than any digital option available. When it comes to banking, small business owners are anxious to find more efficient tools, with a third of respondents considering extensive mobile and online resources the most important quality for their bank to possess. Effective marketing tactics for small business owners Word-of-mouth 87 % Networking with other small business owners 49 % Advertising 41 % Direct mail 37 % # Social media 32 % 8
9 Small Business Owners Seek Financial Guidance Small business owners are looking for counsel and expertise from their bank and from many other sources so they can make the right decisions for their business heading into 2013, said Robb Hilson, Small Business executive at Bank of America. When it comes to financial matters, only 29 % describe themselves as being very savvy. When asked what sources small business owners get financial advice from, the top answers were as follows: Accountant or Bookeeper 75 % $ Other Small Business Owners Financial Advisor 50 % 48 % Banker 43 % Family/Friends 40 %
10 Summary Small business owners are excited about owning their small business, projecting an increase in staff and revenue in the year ahead Despite this optimism, small business owners are wary about the health of the economy Larger businesses are reliable customers for many small businesses, and in some cases motivate small businesses owners to improve There is an overwhelming belief among small business owners that major holiday shopping days, such as Black Friday and Cyber Monday, have minimal impact on their bottom lines Access to capital in 2013 is not a priority for the majority of small business owners, with many saying they have enough to effectively run their business Bank of America Commitment to Small Business Bank of America has a long history of serving the small business community providing clients not only with customized product solutions but also with the personal touch of small business experts and specialists. Bank of America is in the final stages of hiring approximately 1,000 small business bankers across the country. These bankers will serve as a dedicated resource for small business owners, helping them assess their companies deposit, credit and cash management needs. Bank of America continues to actively lend to small businesses across the U.S. Through September of this year, Bank of America extended more than $6.2 billion in new credit to small businesses an increase of 26% over the same period last year. In addition, combined new and renewal small business lending totaled $14.9 billion an increase of more than 6% over the same period last year. Bank of America is the leading bank supporting Community Development Financial Institutions, providing more than $200 million to finance small businesses that can t qualify for traditional loans. Our CDFI grant program, created in 2010 to unlock low-cost Federal micro-capital for small businesses, has allowed CDFIs to access more than $117 million from the SBA and USDA, serving over 10,000 local businesses and helping to retain more than 16,000 jobs. The Braun Research survey results conducted on behalf of Bank of America and interpretations in this release are not intended, nor implied, to be a substitute for the professional advice received from a qualified accountant, attorney or financial advisor. Always seek the advice of an accountant, attorney or financial advisor with any questions you may have regarding the decisions you undertake as a result of reviewing the information contained herein. Nothing in this report should be construed as either advice or legal opinion. 10
Bank of America Small Business Owner Report. May 17, 2012
Bank of America Small Business Owner Report May 17, 2012 1 About Bank of America About Bank of America Bank of America is one of the world's largest financial institutions, serving individual consumers,
More information3 Stressed but Optimistic. 4 Economic Outlook. 6 Cash Management. 9 Marketing the Key to Growth. 10 Summary. Methodology
Table of Contents 2 Anatomy of the Small Business Owner 3 Stressed but Optimistic 4 Economic Outlook 5 Talent and Hiring Expectations 6 Cash Management 7 Credit Landscape 8 Financial Guidance 9 Marketing
More informationSmall Business Owner Report Spring 2014
1 Letter from Robb Hilson Methodology We are pleased to share the spring 2014 Bank of America Small Business Owner Report, a semi-annual study that uncovers the concerns, aspirations and perspectives of
More informationSmall Business Owner Report Fall 2014
Letter from Robb Hilson Methodology Braun Research conducted the Bank of America survey by phone in October 2014, on behalf of Bank of America. Braun contacted a nationally representative sample of 1,000
More informationSmall Business Owner Report Fall 2015
1 Letter from Robb Hilson We are pleased to share the fall 2015 Bank of America Small Business Owner Report, a semi-annual study that uncovers the concerns, aspirations and perspectives of small business
More informationSmall Business Owner Report Spring 2015
Letter from Robb Hilson We are pleased to share the spring 2015 Bank of America, a semiannual study that uncovers the concerns, aspirations and perspectives of small business owners around the country.
More informationSmall Business Owner Report Spring 2016
1 Letter from Robb Hilson We are pleased to share the spring 2016 Bank of America Small Business Owner Report, a semi-annual study that uncovers the concerns, aspirations and perspectives of small business
More information2 First-time buyers want to skip the starter home. 4 Nearly all homebuyers are willing to make sacrifices
1 Letter from D. Steve Boland, Consumer Lending Executive We are pleased to share the inaugural Bank of America, which explores the attitudes, behaviors and preferences of the modern homebuyer. One thing
More informationBank of America Small Business Owner Report
Bank of America Small Business Owner Report The Bank of America Small Business Owner Report is a semi-annual study exploring the concerns, aspirations and perspectives of small business owners across the
More informationContents. Methodology. Bank of America Trends in Consumer Mobility Report 2016. Generational Breakdowns. Daily Dependency.
1 We are pleased to share the findings of the third annual Bank of America Trends in Consumer Mobility Report, a study that explores evolving mobile behaviors and trends among adult consumers across the
More information2 Always On Americans are falling asleep with their smartphones; can t last a day without them
1 We are pleased to share the second annual Bank of America Trends in Consumer Mobility Report, a study that explores mobile behaviors and trends among adult consumers across the country. This year s results
More informationContents. Methodology. Bank of America Trends in Consumer Mobility Report 2014
1 Welcome to the Bank of America, a study that explores mobile trends and banking behaviors among consumers across the country. For many, mobile phones are the cornerstone for communication and increasingly
More informationFall 2012 ABOUT THE MERRILL EDGE REPORT
Fall 2012 Merrill Edge Report Table of Contents Introduction.. 1 Cost of College... 2 Paying for College. 3 Long-term Concerns.. 4 Pushing Back Retirement... 4 Saving for Retirement... 5 Communication
More informationOffice Industry Trends Q1 2015
Office Industry Trends Q1 2015 To request permission to use Kingsley data, please contact: Peggy Robinson, Vice President of Marketing Overall satisfaction Overall Tenant Satisfaction 100% 95% % Satisfied
More information2/3 81% 67% Millennials and money. Key insights. Millennials are optimistic despite a challenging start to adulthood
2/3 Proportion of Millennials who believe they will achieve a greater standard of living than their parents 81% Percentage of Millennials who believe they need to pay off their debts before they can begin
More informationStifel Financial Corp.
Acquisition of Barclays Wealth and Investment Management, Americas ( Barclays Wealth Americas ) Stifel Financial Corp. June 8, 2015 DISCLAIMER Forward-Looking Statements Statements in this presentation
More informationMerrill Lynch Affluent Insights Quarterly
Merrill Lynch Affluent Insights Quarterly Market-by-Market Comparison Merrill Lynch Affluent Insights Quarterly is a Merrill Lynch Wealth Management survey focused on the values, financial priorities and
More informationAffluent Insights Survey
Merrill Lynch Global Wealth Management E X A M I N I N I N G T H E V A L U E S, F I N A N C I A L P R I O R I T I E S A N D C O N C E R N S O F A F F L U E N T A M E R I C A N S ABOUT THE AFFLUENT INSIGHTS
More informationRetail Industry Outlook Survey:
Retail Industry Outlook Survey: Modest Gains Keep Cautious Optimism in Style kpmg.com KPMG s Industry Outlook Survey KPMG LLP, the audit, tax and advisory firm, surveyed C-suite and other top-level executives
More informationState of US Salaries Report
State of US Salaries Report 1 HIRED S STATE OF SALARIES REPORT Hired, the company on a mission to get everyone a job they love, has tapped into its data to reveal insights on software engineers salaries
More informationWe are pleased to share the first ShopKeep Small. Business Index, a quarterly report that provides. valuable insight into the prevailing opinions,
ShopKeep Small Business Index Q3 2014 1 Letter from Norm Merritt President & co-ceo We are pleased to share the first ShopKeep Small Business Index, a quarterly report that provides valuable insight into
More informationThe Lodging Conference 2011
The Lodging Conference 2011 Business Intelligence Tim Hart 9/26/2011 TravelClick provides expert solutions so that hotels can optimize performance, grow revenue, and create a stronger brand. 9/26/2011
More informationNew Retirement Mindscape
New Retirement Mindscape 2012 City Pulse index Abstract Since 2010, Ameriprise Financial has polled Americans in the 30 largest U.S. metropolitan areas to determine where people feel the most prepared
More informationSurvey report 2015 State of the Startup
Survey report 2015 State of the Startup If you open the world s financial journals you ll read article after article about the world s largest corporations. Yet small businesses matter every bit as much,
More informationNEVADA STATE BANK SMALL BUSINESS SURVEY
2015 NEVADA STATE BANK SMALL BUSINESS SURVEY 1 OUTLOOK & CONCERNS 4 2 ECONOMY page 6 3 EMPLOYMENTPage 8 4 FINANCINGpage 10 5 LEGISLATIONpage 12 6 THE BANKING RELATIONSHIPPage 14 This survey was conducted
More informationFindings of a study sponsored by the Citizens Budget Commission and the Federal Reserve Bank of New York
Encouraging Small Business Success in New York City and Northern New Jersey: What Firms Value Most Findings of a study sponsored by the Citizens Budget Commission and the Federal Reserve Bank of New York
More informationREPORT ON COLLATERAL PLEDGED TO FEDERAL HOME LOAN BANKS. September 18, 2015
REPORT ON COLLATERAL PLEDGED TO FEDERAL HOME LOAN BANKS PREPARED FOR THE SENATE COMMITTEE ON BANKING, HOUSING AND URBAN AFFAIRS AND THE HOUSE COMMITTEE ON FINANCIAL SERVICES September 18, 2015 Page Footer
More informationIBM Digital Analytics Benchmark. Cyber Monday Report 2013
Report 2013 1 2 Summary U.S. shoppers made the biggest online shopping day in history with a 20.6 percent increase in online sales. also capped the highest five day online sales period on record from Thanksgiving
More information2010 Law Firm Statistical Survey
www.pwc.com/lfsurveys 2010 Law Firm Statistical Survey (MPR) Issued: May 2011 Issued: May 2011 Confidential This report is intended solely for the use of Partners and authorized employees of the participating
More informationMerrill Edge Report. 2 Optimistic Outlook. 3 Retirement Expectations. 4 Worthwhile Debt. 5 Home Sweet Home. Letter from Aron Levine.
1 Letter from Aron Levine We are pleased to share the Merrill Edge Report, a nationwide survey delivered biannually that offers an in-depth look at the financial concerns, priorities and behaviors of mass
More informationSummary. U.S. Retail Cyber Monday Report 2014
U.S. Retail Report 2014 IBM DIGITAL ANALYTICS BENCHMARK 2 Summary Heading back to work, consumers clicked their way to the best deals on which remained the busiest online shopping day of the holiday season.
More informationExecutive Summary. 3 Attracting ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
Visa Small Business REPORT AUGUST 0 Spend Insights Visa Small Business Spend Insights monitors the economic confidence of U.S. small business owners by analyzing Visa Business card spend data and responses
More informationFEDERAL HOUSING FINANCE AGENCY. Office of the Director
FEDERAL HOUSING FINANCE AGENCY Office of the Director November 5, 2014 The Honorable Tim Johnson Chairman Committee on Banking, Housing, and Urban Affairs United States Senate Washington D.C. 20510 The
More informationNevada State Bank Small Business Survey
2013 Nevada State Bank Small Business Survey 1 TRENDS + CONCERNS page 4 2 CASH FLOW + FINANCING page 6 3 PROFESSIONAL RELATIONSHIPS page 8 4 LEGISLATION page 10 5 FIVE-YEAR GROWTH page 12 6 NEVADA STATE
More informationMinority Business Development Agency
Part III - Enabling Legislation MBDA operates under the authority of Executive Order 11625 of October 13, 1971. The agency was created to assist minority in achieving effective and equitable participation
More informationAfter I ve taken out a loan through SmartBiz, how do I access my SmartBiz account?
Business lending powered by SmartBiz FAQs: What is SmartBiz? What are the SmartBiz benefits I receive as a Sam s Club member? Do I need to be a Sam s Club member to receive the member discount on SmartBiz
More informationSmall Business Trends
January 211 Small Business Trends Policy & Supervisory Studies Small Business Optimism 1 Small Business Sentiment 2 Small Business Trends at Firms with Fewer Than 2 Employees 3 Small Business Retirement
More information2012 annual index Sponsored by Deloitte and the Manufacturing Institute. Leadership wanted U.S. public opinions on manufacturing
2012 annual index Sponsored by Deloitte and the Manufacturing Institute Leadership wanted U.S. public opinions on manufacturing Contents Executive summary 3 Current environment 7 The importance and image
More informationExecutive Summary. 3 Attracting ~ ~ ~ ~
Visa Small Business Q REPORT MAY 0 Spend Insights Visa Small Business Spend Insights monitors the economic confidence of U.S. small business owners by analyzing Visa Business card spend data and responses
More informationIRS clarifies prohibition on employer payment plans and provides limited transition relief
from Human Resource Services IRS clarifies prohibition on employer payment plans and provides limited transition relief March 5, 2015 In brief In Notice 2015-17, the IRS addresses new restrictions on employer
More informationFSOC Proposes Rules for Board of Governors of the Federal Reserve s Supervision of Nonbank Financial Companies. October 20, 2011
FSOC Proposes Rules for Board of Governors of the Federal Reserve s Supervision of Nonbank Financial Companies October 20, 2011 On October 11, the Financial Stability Oversight Council (the Council) released
More information2015 Wells Fargo Retirement Study
2015 Wells Fargo Retirement Study Table of contents Overview 1 Key findings 2 Background and methodology 8 Harris Poll conducted the survey online of 1,993 affluent investors, ages 30 75 who have $250,000
More informationKey findings: revenue performance
About the survey In October 2010, Forbes Insights conducted a survey of small and mediumsized enterprises (businesses with 250 or fewer employees) in Canada and five other countries (China, Italy, Singapore,
More informationFEDERAL DEPOSIT INSURANCE CORPORATION Washington, DC 20429 FORM 8-K
FEDERAL DEPOSIT INSURANCE CORPORATION Washington, DC 20429 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported)
More informationMoney Market Funds Helping Businesses Manage Cash Flow
Money Market Funds Helping Businesses Manage Cash Flow Since its inception, the U.S. Chamber s Center for Capital Markets Competitiveness (CCMC) has led a bipartisan effort to modernize and strengthen
More informationBusiness Expectations Survey
Business Expectations Survey Dun & Bradstreet Q1 2016 FINAL RESULTS RELEASED 5 JANUARY 2016 Index CapEx plans up despite low expectations The results from Dun & Bradstreet s December Business Expectations
More informationThe. biddible. Guide to AdWords at Christmas
The biddible. Guide to AdWords at Christmas CONTENTS. Page 2 Important Dates Page 3 & 4 Search Campaigns Page 5 Shopping Campaigns Page 6 Display Campaigns Page 7 & 8 Remarketing Campaigns Page 9 About
More informationThank you, Saurabh, for that very kind introduction. I m delighted to be back in
Remarks by John G. Walsh Chief of Staff and Public Affairs Office of the Comptroller of the Currency Before the National Community Investment Fund s Annual Development Banking Conference Chicago, Illinois
More informationMIT Events and Key Dates
MIT Events and Key Dates You ve worked hard for your degree. Now put your degree to work with an organization offering greater opportunity, greater challenge and greater satisfaction. Accenture, one of
More informationBalancing Multi-Generational Retail Strategies. Millennials, Boomers and the changing retail landscape. August 2015
Balancing Multi-Generational Retail Strategies Millennials, Boomers and the changing retail landscape August 2015 It is no secret that Baby Boomers are a shopping force and have provided many retailers
More information2013 Mergers & Acquisitions Survey Results
Exceptional service. Dykema delivers. www.dykema.com California Illinois Michigan Minnesota North Carolina Texas Washington, D.C. Executive Summary Moving slowly forward, but moving forward The expression:
More informationBreakeven Analysis. Breakeven for Services.
Dollars and Sense Introduction Your dream is to operate a profitable business and make a good living. Before you open, however, you want some indication that your business will be profitable, if not immediately
More informationCRE PRICE RECOVERY CONTINUES WITH STRONG SHOWING IN NOVEMBER HEALTHY DEMAND FOR CRE BUOYS NET ABSORPTION AND PRICE GAINS
CCRSI RELEASE JANUARY 2015 (With data through November 2014) CRE PRICE RECOVERY CONTINUES WITH STRONG SHOWING IN NOVEMBER HEALTHY DEMAND FOR CRE BUOYS NET ABSORPTION AND PRICE GAINS This month's CoStar
More informationSome prominent insights that emerged from the survey include:
1 EXECUTIVE SUMMARY For the third consecutive year, Web.com partnered with the National Association of Women Business Owners (NAWBO) to commission a national survey of NAWBO members. The survey gathered
More informationECONOMIC SNAPSHOT. A Summary of the San Diego Regional Economy UNEMPLOYMENT
A Summary of the San Diego Regional Economy Brought to you by San Diego Regional EDC analyzes key economic metrics that are important to understanding the regional economy and San Diego s standing relative
More informationCAREER INFORMATION PACKAGE
CAREER INFORMATION PACKAGE Spring 2012 The Best Price, People and Technology PROVIDENT FUNDING: The Mortgage Price Leader Since 1992, Provident Funding has built a dynamic business model, leveraging the
More informationCOMMERCIAL PROPERTY PRICE INDICES SPRING FORWARD IN MAY
CCRSI RELEASE JULY 2015 (With data through May 2015) COMMERCIAL PROPERTY PRICE INDICES SPRING FORWARD IN MAY RECORD LEVELS OF CRE SPACE ABSORPTION SUPPORTED BROAD PRICE GAINS This month's CoStar Commercial
More informationCASE STUDY: Six Sigma Legal Services for Mortgage Loans
CASE STUDY: Six Sigma Legal Services for Mortgage Loans Up to 25% Reduction in Time Charges Dramatically Enhanced Quality Richard J. Sabat Six Sigma Green Belt Morgan, Lewis & Bockius LLP rsabat@morganlewis.com
More informationFOUNDATION MANAGEMENT: DOING IT YOURSELF VS. OUTSOURCING
FOUNDATION MANAGEMENT: DOING IT YOURSELF VS. OUTSOURCING Foundation Management: Doing It Yourself vs. Outsourcing Page Snow, Chief Philanthropic Officer Conventional wisdom once held that private foundations
More informationExpansion of the Term Asset-Backed Securities Loan Facility (TALF) and Update on the First TALF Funding
Expansion of the Term Asset-Backed Securities Loan Facility (TALF) and Update on the First TALF Funding March 26, 2009 Boston Brussels Chicago Düsseldorf Houston London Los Angeles Miami Milan Munich New
More informationPHILANTHROPIC ADVICE SURVEY
PHILANTHROPIC ADVICE SURVEY Foundation Source, the nation s largest provider of comprehensive services for private foundations, surveyed a subset of its 1,200 private foundation clients about how they
More informationConsumer Behavior and the Mortgage Shopping Process
COVER REPORT: TECHNOLOGY VIEW-ONLY REPRINT WITH PERMISSION FROM THE MORTGAGE BANKERS ASSOCIATION (MBA) Mortgage Shopping s Digital Divide b y ST E V E D EG G E N D O R F Fannie Mae studies looked into
More informationHouston Economic Outlook. Presented by Patrick Jankowski Vice President, Research
Houston Economic Outlook Presented by Patrick Jankowski Vice President, Research www.houston.org Follow me on Twitter @pnjankowski Read my blog: wwwhouston.org/economy/blog Connect with me: www.linkedincom/in/pnjankowski
More informationGlobal Growth Strategy
Global Growth Strategy Jones Lang LaSalle Global strategy for renewed growth G1 Build our leading local and regional market positions G2 G3 G4 Grow our leading positions in Corporate Solutions Capture
More information62 nd Annual Retail & Small Business Banking Conference Using Retail Incentives to Drive Growth
62 nd Annual Retail & Small Business Banking Conference Using Retail Incentives to Drive Growth April 11, 2013 What We ll Be Covering Today What s Going on Right Now in Retail Banking? Expected Trends
More informationTrends & Opportunities in Law Firm Outsourcing. 2014-2015 survey
Trends & Opportunities in Law Firm Outsourcing 2014-2015 survey Trends & Opportunities In Law Firm Outsourcing 2014-2015 Copyright 2015, Sandpiper Partners LLC, All Rights Reserved. Trends & Opportunities
More informationNot Attracting Enough Ideal Customers?
Not Attracting Enough Ideal Customers? NEW 3-Part Seminar Series For Your Lending Team! Are You Ready to Make 2015 Your Best Production Year? SPECIAL OFFER! Private Group Coaching Sessions Available Thursdays
More informationSaving and Investing Among Higher Income African-American and White Americans
The Ariel Investments 2010 Black Investor Survey: Saving and Investing Among Higher Income African-American and Americans July 21, 2010 1 For further information, contact Merrillyn J. Kosier at Ariel Investments
More informationYour guide to growing your business with Funding Circle
Your guide to growing your business with Funding Circle An affordable business loan, designed exclusively for you. W fundingcircle.com E support@fundingcircle.com T 855.385.5356 Welcome to Funding Circle
More informationDOES BLACK FRIDAY STILL MATTER?
LPL RESEARCH PRIVATE CLIENT THOUGHT LEADERSHIP DISRUPTIVE INSIGHTS DOES BLACK FRIDAY STILL MATTER? November 215 SALES FOR THE HOLIDAY SEASON OVERALL HAVE ACTUALLY INCREASED OVER THE YEARS, DESPITE THE
More informationRemarks by. Carolyn G. DuChene Deputy Comptroller Operational Risk. at the
Remarks by Carolyn G. DuChene Deputy Comptroller Operational Risk at the Bank Safety and Soundness Advisor Community Bank Enterprise Risk Management Seminar Washington, D.C. October 22, 2012 Good afternoon,
More informationTrends and Best Practices for Compensation and Incentive Programs 2011 Pearl Meyer & Partners Banking Compensation Survey Findings October 20, 2011
Trends and Best Practices for Compensation and Incentive Programs 2011 Pearl Meyer & Partners Banking Compensation Survey Findings October 20, 2011 What We ll Be Covering Today Highlights from Pearl Meyer
More informationCDFI Fund Capacity Building Initiative Data on Small Business Lending and Entrepreneurship
CDFI Fund Capacity Building Initiative Data on Small Business Lending and Entrepreneurship Credit availability is not a top challenge for small business owners nationwide SINGLE MOST IMPORTANT PROBLEM
More informationU.S. Small Business Administration
U.S. Small Business Administration Office of Native American Affairs Advisor to Assistant Administrator: Nathan Segal Nathan.Segal@sba.gov / (202) 401-1580 Overview The Office of Native American Affairs
More informationBetter Comps = Better Deals
Better Comps = Better Deals How tenant rep brokers use commercial lease comps to win, negotiate, and close business. From prospecting to pitching to negotiating the deal, lease comps are integral to everything
More informationVirtual Asset Management Roundtable Series: SEC Examination Trends for Investment Advisers
Virtual Asset Management Roundtable Series: SEC Examination Trends for Investment Advisers April 10, 2014 Jennifer L. Klass Daniel R. Kleinman Richard F. Morris Christine M. Lombardo www.morganlewis.com
More informationThe 2012 holiday marketing checklist
Unwrap key trends and insights for a successful holiday shopping season An Experian white paper Introduction The 2012 holiday season is just around the corner and retailers are gearing up for this most
More informationChallenges and Successes in Outreach, Education and Enrollment. David Chase California Director June 27, 2013
Challenges and Successes in Outreach, Education and Enrollment David Chase California Director June 27, 2013 About Small Business Majority Small business advocacy organization founded and run by small
More informationLEGAL. Trends & Opportunities in Law Firm Outsourcing. 2013-2014 survey
LEGAL Trends & Opportunities in Law Firm Outsourcing 2013-2014 survey Trends & Opportunities in Law Firm Outsourcing 2013 2014 survey TABLE OF CONTENTS 1.0 Introduction 3 2.0 Methodology 4 3.0 Survey Respondent
More informationInward Investment. Setting up and growing your business in the UK
Inward Investment Setting up and growing your business in the UK Setting up in the UK Overseas companies are continuing to enjoy the benefits of doing business in the UK. In fact, the UK leads Europe in
More informationSpend Insights. Findings at a glance. Visa Small Business 4Q14 Report March 2015
Visa Small Business Report March 2015 Spend Insights "Responses in many categories indicate a more optimistic outlook this quarter, but concerns about some key indicators clearly remain. In a pivotal shift,
More informationWHERE DEALS GET DONE.
WHERE DEALS GET DONE. MANUFACTURING DISTRIBUTION Why are our results better? Because our approach is. Flexibility. Experience. Commitment. That s What Sets Us Apart. At PNC Business Credit, we know how
More information2012 Online Video Marketing Survey and Video Email Trends Report
2012 Online Video Marketing Survey and Video Email Trends Report Published by the Web Video Marketing Council and Flimp Media March 2012 Table of Contents Executive Summary...3 Overview...3 Methodology...
More informationHR AND BENEFITS: T HE N E X T O U T S O U R C I N G WAV E
FIDELITY WORKPLACE SERVICES SM HR AND BENEFITS: T HE N E X T O U T S O U R C I N G WAV E A Study of Finance, Human Resource, and Benefits Decision Makers Among Large Companies HR/BENEFITS OUTSOURCING REPORT
More informationEnergy Solutions with Powerful Results. Energy Industry Team
Energy Solutions with Powerful Results Energy Industry Team Overview Experience. Kilpatrick Townsend s Energy Team serves clients who develop and finance solar, biomass, clean fuels, and energy storage
More informationDo you have a. Do you need to fuel expansion? Recapitalize your business? Turn a struggling enterprise around? Acquire a company?
DONE DEALS 2011 THE capital YOU NEED TO MOVE AHEAD manufacturing Do you need to fuel expansion? Recapitalize your business? Turn a struggling enterprise around? Acquire a company? distribution business
More informationBethpage Business Banking Group Long Island Small Business Survey
Bethpage Business Banking Group Long Island Small Business Survey Report Prepared by STONY BROOK UNIVERSITY CENTER FOR SURVEY RESEARCH December [1] INTRODUCTION Bethpage Federal Credit Union, New York
More informationBest Practices: Advertising and Marketing
Market Track Best Practice Series Best Practices: Advertising and Marketing Insight into developing a plan for cadence, volume, themes and versions Before Category Managers and Merchants pick and choose
More informationGlobal Benefits & Compensation
ALBANY AMSTERDAM ATLANTA AUSTIN BOSTON CHICAGO DALLAS DELAWARE DENVER FORT LAUDERDALE HOUSTON LAS VEGAS LONDON* LOS ANGELES MIAMI NEW JERSEY NEW YORK ORANGE COUNTY ORLANDO PALM BEACH COUNTY PHILADELPHIA
More informationImpact of Crude Oil Prices on Small-Medium Sized Businesses
Impact of Crude Oil Prices on Small-Medium Sized Businesses January, 2015 Copyright 2014 Quester Background Small business is BIG! The 23 million small businesses in America account for 54% of all U.S.
More informationTraining Module: Community Exporters
Training Module: Community Exporters This training contains general information only and Deloitte is not, by means of this training session, rendering accounting, business, financial, investment, legal,
More informationA guide to applying for business finance
A guide to applying for business finance Contents 01. All you need to know to be prepared 01 02. Writing a business plan 02 03. About your application + Supporting information 03 04. Some questions to
More informationMore than Just Curb Appeal Factors that affect the Housing Market
Insight. Education. Analysis. M a r c h 2 0 1 5 More than Just Curb Appeal Factors that affect the Housing Market By Kevin Chambers Not only is buying a house usually the largest purchase anyone will make,
More informationCDFI Bond Guarantee Program Information Session
COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND www.cdfifund.gov CDFI Bond Guarantee Program Information Session U.S. Treasury Department Headquarters Washington, D.C. February 26, 2013 Today s Schedule
More informationQ3 INTERIM MANAGEMENT STATEMENT Presentation to analysts and investors. 28 October 2014
INTERIM MANAGEMENT STATEMENT Presentation to analysts and investors 28 October HIGHLIGHTS FOR THE FIRST NINE MONTHS OF Continued successful execution of our strategy and further improvement in financial
More informationThe Ariel/Schwab Black Investor Survey:
The Ariel/Schwab Black Investor Survey: Saving and Investing Among Higher Income and Americans Ariel Investments, LLC and The Charles Schwab Corporation are non-affiliated entities, but co-sponsor the
More informationWORTH IT? THE VALUE OF THE PHR AND SPHR. Career Momentum and Higher Salaries. www.payscale.com
WORTH IT? THE VALUE OF THE PHR AND SPHR Career Momentum and Higher Salaries www.payscale.com Competition is the name of the game throughout the business world. Businesspeople fight every day for markets,
More informationRight Connections The Teams Behind Our Relationship
The Right Connections The Teams Behind Our Relationship Abelson & Company, LLC The Right Connections to Stay Focused on You Just as I stand behind you to help you pursue your financial dreams, I have teams
More information2007 AT&T Business Continuity Study U.S. NATIONAL Results
2007 AT&T Business Continuity Study U.S. NATIONAL Results Methodology The following results are based on a telephone survey of 1,000 Information Technology (IT) executives in 10 U.S. metropolitan/regional
More informationhousing information www.housing-information.org Reverse Mortgages A project of Consumer Action
housing information www.housing-information.org Reverse Mortgages A project of Consumer Action One of the major benefits of buying a home is the opportunity to build equity, or ownership, in the property.
More information