Problem: Article: You will need to have some kind of legal structure for your business. Consulting with an expert, such as a small business attorney or a Small Business Administration office, will help you make sure that your business gets what it needs to succeed.  A small business attorney can help you figure out what the best structure will be for your needs. An attorney will also be able to guide you through the process of obtaining permits and licenses, as well as ensuring that you comply with any regulations in your area. The US Small Business Administration has District Offices throughout the country that offer free counseling and advice about how to start a small business. You can find a local office on their website. They also have over 900 “Small Business Development Centers” (SBDCs) that can help you plan and execute your business decisions. Many restaurant and coffee shop owners go with a Limited Liability Company (LLC), which protects your personal assets in case the business runs into trouble. While you can run your business as a “sole proprietorship,” this is usually not a good idea, as your personal assets are usually on the line if your business incurs liabilities. You may also want to consult with a small business accountant. The work of running your restaurant may be so much that you need to hand the bookkeeping over to someone else. Restaurants and coffee shops are small businesses, so they must be located within a commercial zone. You must acquire the necessary permits and other documentation before proceeding.  Most areas will not allow you to sell food or beverages unless you have a commercial kitchen on-site. This means that home-based businesses are usually out. The SBA has a “Permit Me” tool that will help you determine what licenses and permits your state requires. Health codes vary depending on your location, but in order to establish a business that will sell food and/or drinks, you must comply with all the local regulations regarding food safety.  Be aware that you will generally need to submit your application to your local environmental health department at least a month in advance of opening your business. You should also be aware of any particular regulations involving the sale of alcohol. While laws vary depending on your location, the laws surrounding alcohol are generally complex, so make sure you understand them. You’ll want to make sure that your restaurant or coffee shop is in a convenient, easily accessible location. Often, nearby businesses will help generate foot traffic that can benefit your business too.  It is generally much cheaper to renovate an existing restaurant or coffee shop than it is to build one from scratch (or convert a non-eatery to an eatery).  You may want to lease rather than purchase, especially if you have never operated a small restaurant or coffee shop before. Make sure to consider things like parking facility, rent rates, and city/county ordinances when choosing your space. Check out the history of the site, too; if there have been eight failed restaurants in your space before yours, there could be something about the site that isn’t great for food service establishments. Restaurants and coffee shops have many areas that could open you up to liability, including worker safety, food safety, and liquor liability. Many areas require any restaurant or coffee shop that sells alcohol to carry liquor liability insurance, which will protect your business against lawsuits or liability from wrongdoing resultant from alcohol consumed at your business. In most areas, you’ll also need to carry workers compensation insurance. Even if not required, insurance is an excellent idea. Property insurance and general liability insurance will help protect you and your business.
Summary: Consult with a professional. Research local zoning laws. Research your local food safety laws. Find a location. Purchase insurance.

INPUT ARTICLE: Article: When you get a new credit card, read all parts of the contract carefully. In particular, study the section on payment requirements and the penalties for late payments. If you understand the contract terms, you will be more likely to remember and comply with them. If you have had a card for some time, but you never bothered to read the contract, call the customer service office. The phone number is usually printed on your card itself or on each monthly bill. Ask for a copy of your contract. ” You may think you know the due date for your payment. However, you could still risk being late. Most contracts define a “late” payment as any payment that is not received by the due date. Some credit companies even specify a particular time of day, generally 5:00 p.m. You need to know when your payment is due and plan to meet that. Speak with your customer service office if you are not familiar with the late fee system for your card. Many companies use a two-tier system of setting penalties, based on the balance due on your card. Most credit card companies have fees of about $15 for balances under about $250 and a fee of around $39 for higher balances.

SUMMARY: Read your contract carefully. Understand what makes a payment “late. Know the penalties for late payments.

In one sentence, describe what the following article is about: A short-sleeved button up featuring a loud floral print is the ultimate tourist look! These shirts are typically worn when vacationing in tropical places, but you’ll likely exude a tourist vibe no matter where you wear it. The brighter the floral pattern, the better.  For example, try a shirt with a bright red and purple floral print. If you can find something with neon colors, go with that! A brightly colored tank top with “Hawaii” emblazoned across the front will definitely alert everyone that you’re a tourist – especially if you’re in Hawaii! Any souvenir T-shirt with the name of a big city written across the front will do the trick for this tourist look. You could also go with something that promotes a popular company that caters to tourists, like Señor Frog’s or Hard Rock Café. Nothing says “tourist” more than a shirt that announces to everyone that you’re from somewhere else! Any high school related T-shirt, especially for sports teams and extracurricular activities, is a great choice. Bonus points if the name of your hometown is written right on the shirt! Floral prints are classic, but bright plaids or animal prints are also popular with tourists. Anything eye-catching and slightly awkward works perfectly!  Try an over-sized plaid button-up with short sleeves in the brightest colors you can find. A neon tie-dye top is also a great choice. If you’re feeling daring and don’t mind showing a little skin, wearing a bikini top will definitely create the impression that you’re on a tropical vacation. A 1-piece swim suit will also work! Go with a suit in a bright color or floral print. Wrap a sarong around your waist and slip into a pair of flip-flops to complete your outfit.
Summary: Slip on a bright Hawaiian shirt. Try a tank top or shirt that promotes a popular vacation spot instead. Wear a T-shirt that advertises your high school or college sports team. Opt for any shirt with a vibrant print. Wear a swim suit top as outerwear to a costume party.

In one sentence, describe what the following article is about: Most fabrics come in 45 inches (110 cm) or 60 inches (150 cm) widths. You may need to check the fabric you want to use to see what the width is before you calculate this measurement.  Check with a store associate if you are unsure. If you are planning to use some scrap fabric for the binding, then measure across the shortest part of the fabric piece to find the width. Use the perimeter measurement plus the 10 inches (25 cm) you added and divide this number by the total width of your binding fabric. For example, if the perimeter plus 10 inches (25 cm) equals 190 inches (480 cm) and the fabric width is 60 inches (150 cm), then your result would be 3.2. This will tell you how many strips you need to cut from the fabric to get the required amount. However, you will need to round up your result if you do not get a whole number. For example, if your answer is 3.2, then round up to 4.
Summary:
Identify the fabric width. Divide the perimeter plus 10 inches (25 cm) by the fabric width. Round up the result.