Do You Love Food? - Then Maybe Opening a Restaurant is Not Such a Crazy Idea

Written by Howard Schwartz


The restaurant industry inrepparttar United States employs an estimated 12.2 million people, making itrepparttar 141705 nation's largest employer outside of government agencies.

The restaurant industry inrepparttar 141706 United States employs an estimated 12.2 million people, making itrepparttar 141707 nation's largest employer outside of government agencies. This industry provides work for more than 9 percent of those employed inrepparttar 141708 United States.

Eating-and-drinking places are extremely labor-intensive -- sales per full-time-equivalent employee were $57,567 in 2003 and notably lower than other industries. More than four out of 10 adults have worked inrepparttar 141709 restaurant industry at some time during their lives and 27 percent of adults got their first job experience in a restaurant. Every additional $1 million in restaurant sales generates an additional 42 jobs forrepparttar 141710 nation's economy. In 2004 more than 54 billion meals were eaten in restaurants and school and work cafeterias.

The typical employee in a foodservice occupation is: - Female 55% - Under 30 years of age 52% - Single 68%

How To Report An Error On Your Credit Report

Written by John Simpson


Have you been turned down for a loan recently? Have you applied for store credit and been refused? Did you really want that car and find out that because of your 'credit score' that they would have to require an unreasonable down payment?

Credit reports are designed to help businesses evaluaterepparttar risk factor in giving you money or valuable products on a line of credit.

The Fair Credit Reporting Act promotesrepparttar 141704 accuracy, fairness and privacy of information inrepparttar 141705 files ofrepparttar 141706 nation's credit reporting agencies. The act is enforced with regard torepparttar 141707 consumer's rights and requiring new responsibilities forrepparttar 141708 credit reporting agencies.

For example, a reporting agency must give you a copy of your report and they must provide a list of every inquiry about your credit report withinrepparttar 141709 last year.

The agencies collect data on personal identification (name, address, social security number, current employer, etc), payment histories with all current and closed lines of credit that details how much you owe, when you've paid on time and what, if any have been reported to a collection agency.

The final two items are all inquiries that have been made on your credit report as well as anything that is considered a matter of public record such as bankruptcies, foreclosures and tax liens.

To repair or report errors on your credit report, you must obtain a copy of your personal report and score. The reports themselves are not uniform from company to company.

Experian may not list allrepparttar 141710 data of Equifax and vice versa. So, be sure to obtain credit history reports fromrepparttar 141711 same company asrepparttar 141712 creditor who turned down your application. In some states, that may require a small fee, but after September 1, 2005 all states will have to be in compliance with providing a free credit report.

Once you haverepparttar 141713 report, verifyrepparttar 141714 information. Every report is also scored. Scoring isrepparttar 141715 system that creditors use to determine your credit experience. These scores are valid for all three companies and are uniform in value.

Credit scores range from 375 to 900 points, but those numbers mean little on their own. A score of 650 or better usually indicates a very good credit history. Scores between 620 and 650 are considered average, while scores below 620 may prevent a person from getting a loan. If they do receive one, it is likely one with prohibitive interest attached.

If you look at allrepparttar 141716 information on your credit report and it's correct, then you are faced with having to improve either your payment history, lowerrepparttar 141717 number of debts.

Ifrepparttar 141718 score is low because you possess very little credit history, investing in a secured credit card can help generate good feedback to your credit report or a co-signer who can providerepparttar 141719 creditor with a good credit history as security for your lack of one.

Inaccurate information, however, such as reported late payments that you disagree with or a listing for a debt that is not yours is repairable. Some companies offer debt consolidation or credit repair. Before getting involved with either type, be sure you thoroughly check outrepparttar 141720 company to avoid scams.

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