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Show A-15 The Park Record -Sat/Sun/Mon/Tues, November 1-4, 2008 Child identification kits distributed statewide Submitted by The Summit Group Salt Lake City, U T - According to the National Childhood Identification Program, it is estimated that every 40 seconds one child becomes lost or goes missing. To help combat this national crisis in Utah, local SUBWAY® restaurants have partnered with the Salt Lake City Police Department to launch a Child ID campaign designed to help parents obtain vital information about their children that can help police in the event their child becomes lost or goes missing. Beginning Thursday, October 30, all SUBWAY® restaurants throughout Utah will be stocked with Child ID Kits, which are available to the public at no cost. Parents are encouraged to use these kits to document their child's vital information such as fingerprints, dental records, an updated photo and distinguishing marks like scars or birthmarks. "The first three hours a child goes missing are the most critical and compiling valuable information in one central place will provide police with the information they need quickly," said Sergeant Fred Ross, Salt Lake City Police Department. "Having a missing child is never an easy time for parents. By having this information prepared ahead of time, parents don't have to worry about collecting significant details that can often be hard to remember under stress." This is the second annual Child ID campaign in Utah. With success and response from local communities and families, Utah franchisees have elected to distribute twice as many kits during the 2008. With help from the Salt Lake City Police Department, SUBWAY® hopes to distribute as many kits as possible. "Last year's Child ID campaign was tremendously successful and we want to distribute Child ID Kits to twice as many Utah families and kids this year," said Robert Sherwood, board chair for SUBWAY® of Utah. "As local franchisees, we all have families, neighbors and friends we want to keep safe. We hope these kits are a great way to raise awareness and encourage a healthy and safe message among our communities." The Child ID Kits will be made available to the public in all Utah SUBWAY® locations as long as supplies last. Tightened credit terms could hurt credit scores regulations set to be adopted by By CANDACE CHOI year's end. AP Business Writer The Federal Reserve is still ironing out the details, but one proposal would ban companies from raisNEW YORK (AP) _ Don't throw out that letter from your ing rates on existing balances; hikes credit card company. It may be noticould only be applied to future purfying you of a reeled in credit line, chases. interest rate hike or even an "In some cases, we think lenders account closure. are taking the opportunity to raise In this recessionary climate, rates now," said Ruth Susswein, credit card companies across the deputy director of national prioriboard are tightening the reins on ties for the advocacy group card holders to minimize their Consumer Action. exposure to risk. Such actions could What triggers a change Another proposed regulation hurt your credit score and, in turn, Even if you're not doing any- would prevent companies from your ability to get an auto loan, thing differently, lenders may be punishing card holders for reasons mortgage or even another credit clamping down on your account. unrelated to their account, Right card. So heading into the holiday That's because credit card compa- now, companies can raise rates or shopping season, make sure you're nies are re-evaluating their criteria, lower limits based on information aware of any changes to your credit said Carol Kaplan, a spokeswoman that shows up on credit reports, card terms. for the American Bankers such as taking out new loans or In coming weeks, for instance, Association, an industry group. defaults on other cards _ whether American Express is instituting a In a robust economy, for or not such activity had an impact broad-based interest rate hike of 2 instance, a $15,000 balance may not on your credit score. to 3 percentage points on card hold- have triggered any alarms. Today, it Some credit card companies ers. The hikes are the result of an may be reason for a higher rate or a have already stopped engaging in expected rise in charge-offs, or bal- lower credit line, Kaplan said. such practices. This year, for ances written off as not being paid, Other reasons lenders may instance. Chase stopped automatithe company said earlier this tweak terms include late payments, cally raising customers' interest month. partial payments, exceeding credit rates when their credit scores Across the industry, credit card limits _ even if such behavior didn't declined. The company says the charge-off rates rose to 6.8 percent provoke changes before. move wasn't related to the upcomin August, a 48 percent jump from Not using your card often ing regulations. the same period last year. enough could also be cause for a According to Moody's Investors change or even prompt the compa- How to prevent a change Service, it was the 20th consecutive ny to close the account. One way to guard against tough•year-over-year increase. "The bottom line is, card issuers ened terms is to keep more than Moody's expects charge-offs are looking for a reason to say no. one credit card. That will give you across the industry to continue ris- They're going on defense and mini- the option to transfer balances or ing into next year, eventually sur- mizing their exposure to risk," said use other cards if one issuer takes passing peak rates seen during past Greg McBride, senior analyst at action against you, said Ulzheimer recessions. Bankrate.com. of Credit.com. Checking your credFurther pressuring credit card it score periodically to make sure companies are new industry regula- New regulations coming it's clean can also help* fend off tions set to be adoptddybythe Credit card companies may also unwanted changes. It's important to Federal Reserve later this year. be changing terms to gird for new monitor to prevent identity theft.'"1 One proposed regulation, for instance, would ban credit card companies from raising interest rates on existing balances. "The new regulations are going to hamstring (card companies') ability to manage accounts the way they have in the past," said John Ulzheimer, president of consumer education for Credit.com. To protect your credit score through these times, keep these points in mind. On Citigroup Inc.'s financial literacy Web site for consumers (www.usecreditwisely.com), the company also suggests immediately notifying companies whenever you move so bills aren't late. Other measures you can take are obvious: Pay your bills on time and whittle down debt as much as possible. Negotiation better terms The first step is to read any mail from your credit card company. Notification of new terms may also be included in your monthly statement. If your bank hits you with a higher interest rate, call and ask it to reconsider if you think the change is undeserved. Ask the customer service representative if he has the authority to make changes to your terms. If not, ask to speak to a supervisor who does1, said the ABA's Kaplan. "Tell them how long you've been a customer for and explain what went wrong. You can achieve a lot just by calling and being reasonable," she said.If you're not satisfied, you can always get rid of the card. Banks typically let customers pay off balances at their old rates, so long as they shut down the account. If your account is being closed, think carefully before asking the issuer to re-evaluate the decision. That technically counts as an application for new credit and may end up hurting your credit score. For those with great credit and low balances, remember that credit card companies are fighting to hold onto you so it may pay to shop around. WE'RE BACK! USED • DEMO & NEW CLOSEOUTS SNOWBOARDS & SKI PACKAGES NEW & USED PACKAGE DEALS ALL NEW SNOWBOARD PKG DEALS W/BOOTS FROM S188-S788 SKI/BOARD CARGO PANTS $28+ Grilled Swordfish Pacific grilled swordfish with Chimichurri sauce (olive oil, citrus, red wine, vinegar, lemon zest & garlic), accompanied by rosemary garlic potatoes & fresh vegetables. Grilled Shrimp Garlic butter basted, skewered shrimp charbroiled & served on a bed of creamy asparagus citrus risotto, bruschetta tomatoes and balsamic reduction. Short Rib Osso Bucco Braised short ribs with celery & carrots in a Chianti reduction, served with a ragu of mushrooms and creamy polenta. 306 Main Street Park City 435.649.5044 Open Daily at 5pm Please Help Us This Thanksgiving! You can give a delicious Thanksgiving dinner to a hungry and homeless person for $1.83. Salt Luke City Mission will serve turkey and dressing, mushed potatoes and gravy, green beans, corn, a roll and a big piece of pumpkin pie. 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UT S4JIO-O142 EXPERIENCE: Honors B.A. in Accounting from the U of U Over 22 years of business experience in real estate, agriculture, water resources, finance, and manufacturing Over 10 years as trustee of The Nature Conservancy of Utah & currently Vice-Chair Trustee of the Salt Lake Organizing Committee for 2002 Olympics Chris iu. K. kelp H K homclc-** <tifi*u;h>uil ihc y*.»f Please mail your gill Unlay! WSEWEHAPEDEK'S COMMITTED TO: Please present this coupon to your server upon ordering. Buy one entree, receive a second oj equal or lesser value free. Not valid with any other special offers. Expires 11.15.08 Your gift is tax deductable to the fullest extent allowed by law BUYUSEDSHAPED SKI ADULT PKGS Paid for by Chris Robinson Paella "Valencia Style" Fresh clams, mussels, shrimp, calamari, scallops, chicken, Spanish chorizo <Sar green beans with Andalucian rice in a clam saffron fume". A good meal is often ihc first sicp to a new life! 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