Nationally, more than 1 in 3 unemployed workers has been looking for at least six months, according to the federal Bureau of Labor Statistics.

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Looking ahead to 2013, the company affirmed its outlook for growth of 2 percent to 3 percent at restaurants open at least 15 months and remodeled restaurants open at least three months.

NPR: Wendy's Stands By Outlook Amid Transformation Push

Try to keep at least 3-6 months of expenses set aside for emergencies.

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The 5.3% is based on a definition of a soured loan as one overdue for at least six months, not three months as in Hong Kong and Singapore.

CNN: Taiwan's Ticking Clock

For what the company calls mature centers (those that have been open at least 37 months), revenue went up only 3.1% in the third quarter.

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