Creditreport Baton Rouge

Some would-be franchisees are foregoing creditreport Baton Rouge 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 operate his or her 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 creditreport Baton Rouge Fischer, chief executive of BeneTrends Inc., North Wales, Pa., a small-business finance adviser specializing in tapping 401(k)s. One creditreport Baton Rouge 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 creditreport Baton Rouge of improvement. The company's growing reliance on subscription income provides a steady revenue stream, and the TALX acquisition is creditreport Baton Rouge accretive to its earnings.

Based on the company's year-to-date performance, current market trends creditreport Baton Rouge and management's expectations -- as well as a weak U.S. free credit reports annual 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 $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 creditreport Baton Rouge the last six years, EFX has traded in a range of 14x to 20x forward earnings. Given the challenging market for equities, we continue to expect that the stock will trade at the low-end of this range. Thus, we maintain a Hold recommendation on EFX shares creditreport Baton Rouge with a six-month target price of $36.50 given its sensitivity to the credit market. credit card fraud Our new target price of $36.50 represents a multiple of 14.4x our 2008 EPS estimate, a discount creditreport Baton Rouge to the industry mean and S&P creditreport Baton Rouge 500. Aside from Visa (V) or Mastercard (MA), it doesnt seem as if the credit card issuers have been getting the attention they deserve. With all of the panic and concern surrounding the brokers and builders, perhaps plates are too creditreport Baton Rouge full to take on any more. Yet, I have been thinking about how easy credit policies made available for housing created a monstrous economic problem. Even so, it does seems plausible that companies issuing collateralized debt could eventually see a recovery if the underlying property can be liquidated for some portion of its worth. But, what happens as defaults rise on credit/bank card debt, which is only backed by the full faith and credit of the borrower? Hillenbrand Industries announced last week that it would be spinning off its funeral services business prompting Moody'creditreport Baton Rouge s on Monday to downgrade the creditreport Baton Rouge company.

The Batesville, Ind.-based company saw creditreport Baton Rouge its Moody's (nyse: MCO - news - people ) rating go from A3 creditreport Baton Rouge to Baa after news that it would be having an initial public offering for its Batesville Holdings, the funeral services division that specializes in caskets. annual free credit report The funeral services division, set to distribute shares on March 31, will be re-branded as Hillenbrand, while the other division of the company, the medical services division, is now called Hill-Rom Holdings. Moody's said that the new rating better represents the creditreport Baton Rouge risk-associated with the company due to higher margins and greater stability associated with the casket business. Moody's is concerned that this places the remaining medical supply creditreport Baton Rouge business in line for an aggressive acquisition.