November 23, 2012
Charleston Daily Mail: Short takes, Nov. 24, 2012
Page 2 of 2
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Limiting post-government choices would cut the number of potential tax commissioners to a dangerously small pool.

• • •

ACCORDING to a survey of 1,000 adults of all ages by Think Finance, 45 percent of those surveyed want to skip Christmas and the holidays altogether. But layaway is apparently on the way back.

There may be a connection between the two.

Think Finance is a provider of payday loans and other services for people with limited or no access to regular banking services.

Its survey showed that 41 percent of Americans planned to use layaway programs to buy gifts for Christmas and the holidays this year. Furthermore, paying now and buying later is not just for the poor, as 32 percent of the people who earn $100,000 or more said they planned to use layaway.

But 59 percent of those surveyed said they plan to carry some of their holiday debt into the New Year, including 54 percent of those with incomes of $100,000 or more.

An aging population and a population that just experienced a steep recession may be exercising more care about using credit.

Note to government: An essential part of getting out of debt is not to incur it to begin with.

• • •

EFFORTS to improve the Kanawha-Charleston Health Department's restaurant inspection system have been ongoing. The board wants to come up with a way to convey to the public the safety of a restaurant.

Health officials are testing the system before putting the final version in place next year.

One flaw is that a sanitarian can find violations, but the restaurant can still get an excellent score if it fixes the violations before the inspector leaves.

That does not seem right. Why should a restaurant that is in compliance regardless of whether an inspector is there or not get the same grade as a restaurant that does not?

The idea is to protect the public. The "excellent" rating should be reserved for those who comply 100 percent of the way 100 percent of the time. As Charleston's hospitality industry grows, its restaurants must up their game as well.

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