CREDIT - The Salt Lake Tribune http://www.sltrib.com/feeds/topics/CREDIT News from The Salt Lake Tribune en-us webmaster@sltrib.com (Webmaster) Ford due for ratings boost; profits back to 1999 level http://www.sltrib.com/sltrib/money/58459692-79/ford-ratings-company-credit.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58459692-79/ford-ratings-company-credit.html.csp">Ford due for ratings boost; profits back to 1999 level</a></h4> <span class="author vcard"><span class="fn">By Keith Naughton</span></span> <span class="source-org vcard"><span class="org fn"> Bloomberg News</span></span> <h5><span class="updated" title="2014-09-26T15:43:02.792-06:00">Updated Sep 26, 2014 03:43PM MDT</span></h5> <div class ="entry-content">Southfield, Mich. — Ford Motor Co.’s profit topped $7 billion in 2013 just as it did back in 1999 amid surging demand for Explorer sport-utility vehicles and F-150 pickups. Yet five years into its recovery, Ford’s credit ratings remain one level above junk — six notches lower than they were back in the SUV boom of 1999. Ford’s credit profile is as good or better than it was 15 years ago, according to Joel Levington, a Bloomberg Intelligence analyst. Even so, the second-largest U.S. automaker is ...</div> <h5><a rel="item-license" href="http://www.sltrib.com/pages/privacy"> Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58459692@www.sltrib.com Fri, 26 Sep 2014 15:43:02 MDT S&P returns GM credit rating to investment grade http://www.sltrib.com/sltrib/money/58456389-79/rating-grade-investment-credit.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58456389-79/rating-grade-investment-credit.html.csp">S&P returns GM credit rating to investment grade</a></h4> <span class="author source-org vcard"><span class="org fn">The Associated Press</span></span> <h5><span class="updated" title="2014-09-25T17:19:02.342-06:00">Updated Sep 25, 2014 05:19PM MDT</span></h5> <div class ="entry-content">Detroit • Standard & Poor’s has returned General Motors to investment grade after rating it junk for nearly a decade. The firm upgraded GM’s corporate credit rating Thursday one notch to “BBB-“ — its lowest investment grade — from “BB+.” Standard & Poor’s Rating Services lowered GM to junk status in 2005, four years before its bankruptcy. The automaker recovered and earned $4.7 billion last year. S&P says it expects GM will sustain its improving profits in North America and achieve profitability...</div> <h5><a rel="item-license" href="#license-584563892014-09-25T17:19:02.342-06:00" id="#license-2014-09-25T17:19:02.342-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58456389@www.sltrib.com Thu, 25 Sep 2014 17:19:02 MDT Police searching for man who robbed West Jordan credit union http://www.sltrib.com/sltrib/news/58453042-78/police-credit-union-jordan.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/news/58453042-78/police-credit-union-jordan.html.csp">Police searching for man who robbed West Jordan credit union</a></h4> <span class="author vcard"><span class="fn">By Erin Alberty</span></span> <span class="source-org vcard"><span class="org fn"> The Salt Lake Tribune</span></span> <h5><span class="updated" title="2014-09-25T08:53:25.41-06:00">Updated Sep 25, 2014 08:53AM MDT</span></h5> <div class ="entry-content">Police on Wednesday were searching for a man who robbed a credit union in West Jordan. A man walked into the University of Utah Federal Credit Union, 8952 S. Redwood Road about 10:30 a.m., displayed what appeared to be a bomb and demanded money. The man arrived and left on a bicycle but was seen getting into an older model, gray minivan with Idaho license plates, police wrote. The man appeared to be a white with a tan complexion and in his mid- to late 40s. He was 5 feet 8 inches to 5 feet 10 in...</div> <h5><a rel="item-license" href="http://www.sltrib.com/pages/privacy"> Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58453042@www.sltrib.com Thu, 25 Sep 2014 08:53:25 MDT Some banks reissuing cards over Home Depot breach http://www.sltrib.com/sltrib/money/58452412-79/cards-card-depot-debit.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58452412-79/cards-card-depot-debit.html.csp">Some banks reissuing cards over Home Depot breach</a></h4> <span class="author vcard"><span class="fn">By ALEX VEIGA</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-24T18:52:02.2-06:00">Updated Sep 24, 2014 06:52PM MDT</span></h5> <div class ="entry-content">Some lenders are preparing to reissue credit or debit cards to customers to head off possible losses following the breach of customer data at Home Depot. Capital One Financial and JPMorgan Chase & Co. said Wednesday they are preparing to assign new cards to accountholders due to the data theft at the home-improvement retailer. Earlier this month, Home Depot confirmed that malicious software lurking in its check-out terminals between April and September affected 56 million debit and credit cards....</div> <h5><a rel="item-license" href="#license-584524122014-09-24T18:52:02.2-06:00" id="#license-2014-09-24T18:52:02.2-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58452412@www.sltrib.com Wed, 24 Sep 2014 18:52:02 MDT Here are 5 ways to protect yourself from data breaches http://www.sltrib.com/sltrib/money/58450288-79/credit-card-information-says.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58450288-79/credit-card-information-says.html.csp">Here are 5 ways to protect yourself from data breaches</a></h4> <span class="author vcard"><span class="fn">By JOSEPH PISANI</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-26T19:08:41.473-06:00">Updated Sep 26, 2014 07:08PM MDT</span></h5> <div class ="entry-content">Data breaches at retailers aren’t going away, but there are ways consumers can protect themselves from future heists of their payment-card information. Home Depot said last week that malicious software lurking in its checkout terminals between April and September affected 56 million debit and credit cards that customers swiped at its stores. Target, Michaels and Neiman Marcus also have been attacked by hackers in the past year. More breaches are likely. The Department of Homeland Security warne...</div> <h5><a rel="item-license" href="#license-584502882014-09-26T19:08:41.473-06:00" id="#license-2014-09-26T19:08:41.473-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58450288@www.sltrib.com Fri, 26 Sep 2014 19:08:41 MDT Will Apple’s digital wallet kill the card swipe? http://www.sltrib.com/sltrib/world/58409588-68/apple-pay-says-payments.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/world/58409588-68/apple-pay-says-payments.html.csp">Will Apple’s digital wallet kill the card swipe?</a></h4> <span class="author vcard"><span class="fn">By MAE ANDERSON</span></span> <span class="source-org vcard"><span class="org fn"> AP Technology Writer</span></span> <h5><span class="updated" title="2014-09-13T11:48:11.072-06:00">Updated Sep 13, 2014 11:48AM MDT</span></h5> <div class ="entry-content">New York • Apple wants the plastic credit card to become as rare as the paper check. On Tuesday, the company announced Apple Pay, a digital payment system that lets people pay for retail store purchases using their phones rather than cash or credit cards. The service, which will work both with iPhones and Apple’s new Watch, is backed by a host of big retailers, along with most major banks and credit card issuers, including Visa, MasterCard and American Express. So-called contactless payment isn’...</div> <h5><a rel="item-license" href="#license-584095882014-09-13T11:48:11.072-06:00" id="#license-2014-09-13T11:48:11.072-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58409588@www.sltrib.com Sat, 13 Sep 2014 11:48:11 MDT Prosecutors target credit card thieves overseas http://www.sltrib.com/sltrib/money/58408070-79/credit-card-cards-stolen.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58408070-79/credit-card-cards-stolen.html.csp">Prosecutors target credit card thieves overseas</a></h4> <span class="author vcard"><span class="fn">By ERIC TUCKER</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-12T18:36:01.685-06:00">Updated Sep 12, 2014 06:36PM MDT</span></h5> <div class ="entry-content">Washington • Criminals from around the world buy and sell stolen credit card information with ease in today’s digital age. But if they commit their crime entirely outside the United States, they may be beyond the reach of federal prosecutors. Justice Department officials are seeking a tougher law to combat overseas credit card trafficking, an increasingly lucrative crime that crosses national boundaries. Authorities say the current statute is too weak because it allows people in other countries ...</div> <h5><a rel="item-license" href="#license-584080702014-09-12T18:36:01.685-06:00" id="#license-2014-09-12T18:36:01.685-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58408070@www.sltrib.com Fri, 12 Sep 2014 18:36:01 MDT Late-payment rate on U.S. auto loans on the rise http://www.sltrib.com/sltrib/money/58394223-79/auto-loans-percent-rate.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58394223-79/auto-loans-percent-rate.html.csp">Late-payment rate on U.S. auto loans on the rise</a></h4> <span class="author vcard"><span class="fn">By ALEX VEIGA</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-09T13:54:02.301-06:00">Updated Sep 9, 2014 01:54PM MDT</span></h5> <div class ="entry-content">As U.S. sales of cars and trucks have grown this year, so has the late-payment rate on auto loans. The rate of U.S. auto-loan payments late by 60 days or more rose to 0.95 percent in the second quarter from 0.87 percent a year earlier, credit reporting agency TransUnion said Tuesday. The latest auto loan delinquency rate was down from 1 percent in the first three months of the year, however, and remains below the average for the April-June period going back to 2007, the firm said. The increase c...</div> <h5><a rel="item-license" href="#license-583942232014-09-09T13:54:02.301-06:00" id="#license-2014-09-09T13:54:02.301-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58394223@www.sltrib.com Tue, 09 Sep 2014 13:54:02 MDT Consumer credit surges on more vehicle loans http://www.sltrib.com/sltrib/money/58390541-79/credit-billion-loans-july.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58390541-79/credit-billion-loans-july.html.csp">Consumer credit surges on more vehicle loans</a></h4> <span class="author vcard"><span class="fn">By Jeanna Smialek</span></span> <span class="source-org vcard"><span class="org fn"> Bloomberg News</span></span> <h5><span class="updated" title="2014-09-08T17:40:02.501-06:00">Updated Sep 8, 2014 05:40PM MDT</span></h5> <div class ="entry-content">Washington • Consumer borrowing rose more than forecast in July as non-revolving loans including those for cars climbed by the most in three years. The $26 billion increase in credit exceeded the highest forecast in a Bloomberg survey and followed an $18.8 billion advance in June that was more than previously estimated, the Federal Reserve reported Monday in Washington. Non-revolving loans, which include borrowing for cars and college tuition, climbed $20.6 billion, the biggest gain since July 2...</div> <h5><a rel="item-license" href="http://www.sltrib.com/pages/privacy"> Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58390541@www.sltrib.com Mon, 08 Sep 2014 17:40:02 MDT Home Depot confirms breach in U.S., Canada stores http://www.sltrib.com/sltrib/money/58390351-79/breach-depot-target-cards.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58390351-79/breach-depot-target-cards.html.csp">Home Depot confirms breach in U.S., Canada stores</a></h4> <span class="author vcard"><span class="fn">By MARLEY JAY</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-08T17:33:59.192-06:00">Updated Sep 8, 2014 05:33PM MDT</span></h5> <div class ="entry-content">New York • Home Depot confirmed Monday that its payment systems have been hacked in a data breach that could affect shoppers who used credit and debit cards at its more than 2,000 U.S. and Canadian stores. The largest U.S. home improvement chain company did not say how many cards might be affected, but that its investigation into the breach goes as far back as April. The news comes nearly a week after Home Depot said that it was investigating a potential breach on Tuesday when a website that foc...</div> <h5><a rel="item-license" href="#license-583903512014-09-08T17:33:59.192-06:00" id="#license-2014-09-08T17:33:59.192-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58390351@www.sltrib.com Mon, 08 Sep 2014 17:33:59 MDT Home Depot hires two firms to probe data breach http://www.sltrib.com/sltrib/money/58370600-79/breach-depot-security-krebs.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58370600-79/breach-depot-security-krebs.html.csp">Home Depot hires two firms to probe data breach</a></h4> <span class="author vcard"><span class="fn">By ANNE D’INNOCENZIO</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-03T17:26:01.758-06:00">Updated Sep 3, 2014 05:26PM MDT</span></h5> <div class ="entry-content">New York • Home Depot says it’s offering free identity protection services, including credit monitoring, to those customers who might be potentially hurt by a possible data breach at the home improvement chain. It also urged that customers closely monitor their accounts and reach out to their card issuers if they notice any suspicious activity. The statements, issued late Wednesday, came a day after Home Depot, based in Atlanta, said that it’s working with both banks and law enforcement to inves...</div> <h5><a rel="item-license" href="#license-583706002014-09-03T17:26:01.758-06:00" id="#license-2014-09-03T17:26:01.758-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58370600@www.sltrib.com Wed, 03 Sep 2014 17:26:01 MDT SLCPD: Have you seen these burglary suspects? http://www.sltrib.com/sltrib/news/58368561-78/suspects-burglary-card-credit.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/news/58368561-78/suspects-burglary-card-credit.html.csp">SLCPD: Have you seen these burglary suspects?</a></h4> <span class="author vcard"><span class="fn">By Bob Mims</span></span> <span class="source-org vcard"><span class="org fn"> The Salt Lake Tribune</span></span> <h5><span class="updated" title="2014-09-03T11:27:26.215-06:00">Updated Sep 3, 2014 11:27AM MDT</span></h5> <div class ="entry-content">Salt Lake City police are seeking the public’s help in hunting down a pair of credit card-purloining burglars. Police say the suspects — described as males in their late-teens to early-20s, possibly Latino — are believed to have broken into a home at 1180 E. Princeton Ave. on July 24. Recently, a credit card stolen during that burglary was used in a Smith’s market at 800 S. 900 East. The suspects were then seen driving off in a black or dark gray pickup truck. Anyone with information on this cas...</div> <h5><a rel="item-license" href="http://www.sltrib.com/pages/privacy"> Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58368561@www.sltrib.com Wed, 03 Sep 2014 11:27:26 MDT Home Depot investigates possible data breach http://www.sltrib.com/sltrib/money/58365652-79/breach-stores-cards-chip.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58365652-79/breach-stores-cards-chip.html.csp">Home Depot investigates possible data breach</a></h4> <span class="author vcard"><span class="fn">By ANNE D’INNOCENZIO</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-09-02T16:07:07.72-06:00">Updated Sep 2, 2014 04:07PM MDT</span></h5> <div class ="entry-content">New York • Home Depot may be the latest retailer to suffer a major credit card data breach. The Atlanta-based home improvement retailer told The Associated Press Tuesday that it is working with both banks and law enforcement to investigate “unusual activity” that would point to a hack. “Protecting our customers’ information is something we take extremely seriously, and we are aggressively gathering facts at this point while working to protect customers,” said Paula Drake, a spokeswoman at Home D...</div> <h5><a rel="item-license" href="#license-583656522014-09-02T16:07:07.72-06:00" id="#license-2014-09-02T16:07:07.72-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58365652@www.sltrib.com Tue, 02 Sep 2014 16:07:07 MDT Murray police looking for credit union robber http://www.sltrib.com/sltrib/news/58355071-78/police-murray-credit-union.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/news/58355071-78/police-murray-credit-union.html.csp">Murray police looking for credit union robber</a></h4> <span class="author vcard"><span class="fn">By Michael McFall</span></span> <span class="source-org vcard"><span class="org fn"> The Salt Lake Tribune</span></span> <h5><span class="updated" title="2014-08-30T22:13:52.579-06:00">Updated Aug 30, 2014 10:13PM MDT</span></h5> <div class ="entry-content">Murray police would like the public’s help identifying a man who robbed a credit union. About 9:50 a.m. Saturday, the man walked into Mountain America Credit Union at 5900 S. State St. and passed a note to the teller “to give him some money,” said police Sgt. Kim Rees. The teller complied, and the man left with an undisclosed amount, Rees said. There was no mention of a weapon, the sergeant added. The man is described as white, about 6 feet tall, with light brown hair. He was wearing plastic fra...</div> <h5><a rel="item-license" href="http://www.sltrib.com/pages/privacy"> Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58355071@www.sltrib.com Sat, 30 Aug 2014 22:13:52 MDT SEC adopts rules on loan-backed securities http://www.sltrib.com/sltrib/money/58343717-79/securities-agencies-ratings-rules.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58343717-79/securities-agencies-ratings-rules.html.csp">SEC adopts rules on loan-backed securities</a></h4> <span class="author vcard"><span class="fn">By MARCY GORDON</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-08-27T17:35:39.222-06:00">Updated Aug 27, 2014 05:35PM MDT</span></h5> <div class ="entry-content">Washington • Federal regulators on Wednesday voted to require financial firms that sell securities backed by loans, like the kind that fueled the 2008 financial crisis, to give investors details on borrowers’ credit records and income. The Securities and Exchange Commission adopted the rules for securities linked to mortgages and auto loans on a 5-0 vote. The commissioners also imposed new conflict-of-interest rules on the agencies that rate the debt of companies, governments and issues of secur...</div> <h5><a rel="item-license" href="#license-583437172014-08-27T17:35:39.222-06:00" id="#license-2014-08-27T17:35:39.222-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58343717@www.sltrib.com Wed, 27 Aug 2014 17:35:39 MDT Ponnuru: Lee vs. Ryan on how to cut federal taxes http://www.sltrib.com/sltrib/opinion/58338883-82/tax-percent-rate-ryan.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/opinion/58338883-82/tax-percent-rate-ryan.html.csp">Ponnuru: Lee vs. Ryan on how to cut federal taxes</a></h4> <span class="author vcard"><span class="fn">By Ramesh Ponnuru</span></span> <span class="source-org vcard"><span class="org fn"> Bloomberg View</span></span> <h5><span class="updated" title="2014-08-27T13:19:19.004-06:00">Updated Aug 27, 2014 01:19PM MDT</span></h5> <div class ="entry-content">A few days ago, Rep. Paul Ryan of Wisconsin waded into a debate among his fellow Republicans about how they should think about tax policy. His words carry weight among Republicans: They almost universally respect his judgment on economic policy, and partly as a result have decided to make him chairman of the tax-writing committee of the House should they keep control of it in November’s elections. Some Republicans, notably Sen. Mike Lee of Utah, have argued that the party’s perennial focus on cu...</div> <h5><a rel="item-license" href="http://www.sltrib.com/pages/privacy"> Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58338883@www.sltrib.com Wed, 27 Aug 2014 13:19:19 MDT U.S. credit card late payments down in quarter http://www.sltrib.com/sltrib/money/58338456-79/credit-percent-card-quarter.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58338456-79/credit-percent-card-quarter.html.csp">U.S. credit card late payments down in quarter</a></h4> <span class="author vcard"><span class="fn">By ALEX VEIGA</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-08-26T09:20:02.029-06:00">Updated Aug 26, 2014 09:20AM MDT</span></h5> <div class ="entry-content">Los Angeles • Americans are doing a better job of making timely credit card payments, even as many lenders increasingly extend credit to more people with less-than-stellar credit. The rate of U.S. credit card payments at least 90 days overdue fell to 1.16 percent in the April-June quarter — the lowest level in at least seven years, credit reporting agency TransUnion said Tuesday. The second-quarter credit card delinquency rate is down from 1.27 percent in the same period last year and 1.37 perce...</div> <h5><a rel="item-license" href="#license-583384562014-08-26T09:20:02.029-06:00" id="#license-2014-08-26T09:20:02.029-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58338456@www.sltrib.com Tue, 26 Aug 2014 09:20:02 MDT Tax refunds may get hit due to health law credits http://www.sltrib.com/sltrib/money/58331202-79/tax-health-insurance-refund.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58331202-79/tax-health-insurance-refund.html.csp">Tax refunds may get hit due to health law credits</a></h4> <span class="author vcard"><span class="fn">By RICARDO ALONSO-ZALDIVAR</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-08-25T07:40:55.922-06:00">Updated Aug 25, 2014 07:40AM MDT</span></h5> <div class ="entry-content">Washington • Taxes? Who wants to think about taxes around Labor Day? But if you count on your tax refund and you’re one of the millions getting tax credits to help pay health insurance premiums under President Barack Obama’s law, it’s not too early. Here’s why: If your income for 2014 is going to be higher than you estimated when you applied for health insurance, then complex connections between the health law and taxes can reduce or even eliminate your tax refund next year. Maybe you’re collect...</div> <h5><a rel="item-license" href="#license-583312022014-08-25T07:40:55.922-06:00" id="#license-2014-08-25T07:40:55.922-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58331202@www.sltrib.com Mon, 25 Aug 2014 07:40:55 MDT Women small business owners struggle to get loans http://www.sltrib.com/sltrib/money/58317718-79/women-says-business-loan.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58317718-79/women-says-business-loan.html.csp">Women small business owners struggle to get loans</a></h4> <span class="author vcard"><span class="fn">By JOYCE M. ROSENBERG</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-08-23T12:21:15.788-06:00">Updated Aug 23, 2014 12:21PM MDT</span></h5> <div class ="entry-content">New York • Women are a growing force in the business world, but if they own a company, they may still struggle to get a loan from a bank. Carrie Charlick and Marcia Cubitt have $4 million in sales but have been rejected for $500,000 credit lines since 2012. Their 11-year-old company, Essential Body Wear, sells women’s underwear at parties at customers’ homes. That’s a problem for bankers, Charlick says. Because the business, based in the Detroit suburb of Commerce Township, doesn’t have a tradit...</div> <h5><a rel="item-license" href="#license-583177182014-08-23T12:21:15.788-06:00" id="#license-2014-08-23T12:21:15.788-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58317718@www.sltrib.com Sat, 23 Aug 2014 12:21:15 MDT Is a home equity line of credit a fit for you? http://www.sltrib.com/sltrib/money/58318798-79/credit-interest-loan-equity.html.csp <div class="hnews hentry item"> <h4><a class="url entry-title" href="http://www.sltrib.com/sltrib/money/58318798-79/credit-interest-loan-equity.html.csp">Is a home equity line of credit a fit for you?</a></h4> <span class="author vcard"><span class="fn">By ALEX VEIGA</span></span> <span class="source-org vcard"><span class="org fn"> The Associated Press</span></span> <h5><span class="updated" title="2014-08-20T18:04:01.774-06:00">Updated Aug 20, 2014 06:04PM MDT</span></h5> <div class ="entry-content">Rising home values and low interest rates are a powerful combination for homeowners looking for more financial breathing room. The trend, fueled by the two-year housing recovery, has helped spur many borrowers to take out a home equity line of credit against the value of their home. Such a loan, also known as a “HELOC,” can give borrowers more financial flexibility and typically at a lower interest rate than a credit card. But HELOCs can also pose risks, should interest rates rise sharply or hom...</div> <h5><a rel="item-license" href="#license-583187982014-08-20T18:04:01.774-06:00" id="#license-2014-08-20T18:04:01.774-06:00"> Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a></h5> </div> 58318798@www.sltrib.com Wed, 20 Aug 2014 18:04:01 MDT