The interest rate -- currently at 9% to 12% -- is based on the franchisee's credit score. Rates "may seem high," says Robert Tunmire, Dwyer's executive vice president, "but they're not putting their homes up as collateral or anything like that." Dwyer also gives a 10% discount to franchisees who pay cash.
Some free credit check history Arkansas would-be franchisees are foregoing loans and tapping their 401(k) retirement funds for financing. It works this way: The franchisee sets up a C corporation that will own and free credit check history Arkansas operate his or her free credit check history Arkansas business. He or she then rolls over money from a 401(k) into that corporation's profit-sharing plan. The individual then directs that those funds be invested into the franchised business. While such maneuvers may be an attractive alternative to conventional financing, they "should be a carefully investigated decision," says Leonard Fischer, chief executive of BeneTrends Inc., North Wales, Pa., a small-business finance adviser specializing in tapping 401(k)s. free once a year credit report
One potential downside: Should the franchise fail, the 401(k) money can be wiped out. Also, financial experts suggest checking with a professional on possible tax implications. Equifax, Inc. (NYSE: EFX - News) is finding new avenues for growth in the international, personal and commercial solution businesses, while its U.S.
consumer information solution business is also showing signs of improvement.
The company's growing reliance on subscription income provides a steady revenue stream, and the TALX acquisition is accretive to its earnings. your credit check Based on the company's year-to-date performance, current market trends and management's expectations -- as well as a weak U.S.
economic environment -- Equifax expects consolidated annual revenue growth to be in the range of 9% to 12% for full-year 2008. Management expects adjusted EPS in the range of $2.48 to $2.58.
However, continued weakness in mortgage activity has resulted in a 7.8% decline in mortgage-related revenues in 2007. Shares of Equifax are currently trading at a P/E multiple of 13.7x our 2008 EPS estimate of free credit check history Arkansas $2.54. Though the acquisition of TALX Corporation is expected to expand margins, this will come with increased execution risk.
We believe that the stock will perform in line with the broader equity market over the near-term. Over the last six years, EFX has traded in a range of 14x to 20x forward earnings. on line credit reports Given the challenging market for equities, we continue to expect that the free credit check history Arkansas stock will trade at the low-end of this range.
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