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(No Ratings Yet)Why Is Having NO Credit A Bad Thing?
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Everyone knows that having good credit is a wonderful thing to have, especially in this day and time, and everyone also knows that having the black marks of bad credit against you will give you a lot of needless headaches and worry. So why is it such a bad thing when an individual does not have any credit at all? It seems like having no credit would be a good thing, especially since it isn’t like you have any bad credit on your credit report…right? … Wrong!
Have you come to the point in your life where you are comfortable with your lifestyle, and you feel like you have plenty of extra money coming in each month that you think you should be able to afford a new car payment? Or, perhaps you are thinking about buying that new dream home for your family that you have dreamed about being able to buy for so many years. Then, all of the sudden you come to find out, that there is something that is standing in the way of being able to do either of these things.
Having no credit at all is normally just as frustrating as having [...] Continue Reading…
(No Ratings Yet)JPMorgan Chase to Present at the Merrill Lynch Banking & Financial Services Conference
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New York, November 4, 2008 - Jamie Dimon, Chairman & Chief Executive Officer, of JPMorgan Chase & Co., will present at the Merrill Lynch Banking & Financial Services Conference at the Grand Hyatt Hotel in New York City on Wednesday, November 12, 2008 at approximately 12:50 p.m. (Eastern).
Presentation slides and a live audio webcast will be posted on the day of the conference to www.jpmorganchase.com under Investor Relations, Investor Presentations.
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.3 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management, and private equity. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan, Chase, and WaMu brands. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com.
(No Ratings Yet)Office Depot and Chase to Help Shoppers Boost Their Spending Power This Holiday Season with the Worklife Rewards Visa Card
New Promotion Provides Customers With Deferred Payments Until 2010
Delray Beach, Fla., Nov. 3, 2008 - Office Depot (NYSE: ODP), a leading global provider of office products and services, and Chase Card Services, a division of JPMorgan Chase & Co. [NYSE:JPM], today announced the launch of a new promotion for the 2008 holiday season that will help shoppers stretch their budgets and save money.
From Nov. 2 through Dec. 24, 2008, customers who make a purchase of $499 or more with their Chase Worklife Rewards Visa® Credit Card at any Office Depot retail location nationwide or online at www.officedepot.com won’t have to make a payment until January 2010*. This special offer also includes the most popular holiday gift items, such as notebook computers, desktop computers, cameras, printers, and more.
“Office Depot understands times are tough right now for our small business customers, and that is why we are partnering with Chase to provide this money-saving program during the holiday season,” said Chuck Rubin, President of North American Retail for Office Depot. “With this special interest-free financing offer, customers will be able to make the purchases they want for the holidays and defer payments until 2010.”
Office Depot and Chase are sweetening the holiday [...] Continue Reading…
(No Ratings Yet)Eletrobras Retains J.P. Morgan as Depositary Bank for NYSE Listing
Largest Brazilian OTC ADR program upgrades to a Level 2 NYSE listing
New York, October 31, 2008 - J.P. Morgan today announced it has been retained by Centrais Elétricas Brasileiras S.A. (Eletrobrás) to be the depositary bank for the company’s American Depositary Receipt (ADR) program listing on the New York Stock Exchange (NYSE). J.P. Morgan had served as the depositary bank for the Eletrobrás OTC ADR program, and has now been mandated as the depositary for the company’s Level 2 NYSE listing. Eletrobrás is the largest electric utilities company in Latin America, and had been the largest Brazilian OTC ADR program prior to its current upgrade to a full NYSE listing. The NYSE-listed ADRs will trade under symbols EBR and EBR.B.
William Kirst, Depositary Receipts Executive for Latin America at J.P. Morgan, said: “We have had a long-standing relationship with Eletrobrás and are pleased to continue our relationship with them as we launch their ADR program on the NYSE. By upgrading their program to a full NYSE listing, Eletrobrás will now have even more visibility to a larger spectrum of potential investors, while at the same time showcasing the highest standard of transparency that a NYSE listing demonstrates.”
J.P. Morgan has been [...] Continue Reading…
(No Ratings Yet)Tips in Finding The Right Financial Planner For Your Particular Needs
There are many individuals who find that you just do not have the extra time for managing their own finances, or you could run in to a particular situation that requires the services of an experienced financial planner. When times such as these do arise, it is extremely important to know the things you should avoid, and things that you should look for when you need a professional financial planner to help you in managing your personal finances.
If you will be sure to follow the helpful steps below, your search in being able to find the perfect financial planner for your situation will go a whole lot smoother.
You will need to decide exactly what it is that you will want from your financial planner before you begin your search in finding one that is appropriate for your needs. Each of these professionals have different areas of expertise that they specialize in. Knowing your particular needs can be extremely helpful when it is time to begin searching for a knowledgeable financial planner.
One of the first things you should do on your quest to finding a financial planner would be to talk to your friends and family members. [...] Continue Reading…
(No Ratings Yet)Bank of America Lowers Prime Lending Rate to 4.00 Percent
CHARLOTTE, N.C., Oct. 29 /PRNewswire-FirstCall/ — Bank of America, N.A. announced today that it is lowering its prime-lending rate to 4.00 percent from 4.50 percent, effective October 29, 2008.
(In some Bank of America loan documentation, the term “reference rate” has been used to refer to this lending rate. The terms “prime rate” and “reference rate” refer to the same rate.)
Bank of America
Bank of America is one of the world’s largest financial institutions, serving individual consumers, small and middle market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk-management products and services. The company provides unmatched convenience in the United States, serving more than 59 million consumer and small business relationships with more than 6,100 retail banking offices, more than 18,000 ATMs and award-winning online banking with more than 25 million active users. Bank of America offers industry leading support to more than 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients in more than 150 countries and has relationships with 99 percent of the U.S. Fortune 500 companies and 83 percent of the Fortune Global 500. Bank of America Corporation [...] Continue Reading…
(No Ratings Yet)Start Building Good Credit From The Very Beginning
It is very easy to find all types of websites with information that can be extremely helping suggesting ways that can teach you how to clean your credit up once it has become anything less than good. But, what about the many individuals who are just starting out in the world, and they would like to know how they can build their credit rating into good credit from the very beginning? Building a good credit history from the start is a whole lot easier than if you were to wait until you have the black marks of bad credit on your credit report. These black marks of bad credit will cause you endless headaches and lots of extra time devoted to figuring out how to get them removed from your credit report.
Knowing the steps that you can take in areas of how to build your credit properly from the beginning will ensure that you are able to enjoy the benefits there are to having good credit.
One of the most important steps into making sure you keep a good credit history is to make sure that you always pay your bills either early, or at least on [...] Continue Reading…
(No Ratings Yet)Retirement And The Importance Of Financial Planning
At some point in each of our lives, every single one of us will more than likely at least consider what our options are, and which ones will be available to us when we retire, when it comes to financial planning for our retirement years. Should I start saving money now for my retirement? Will I be able to save enough money for when I do finally retire? Will I be able receive Social Security when I retire? Will this be enough to live on? The list of questions could go on and on.
The fact of the matter is that it is never too early to begin the important steps of financial planning for your retirement and your future. All too often however, a large number of individuals do not even think about the important financial planning for their future, until it is much too late.
Your ‘Golden Years’ are those years that are supposed to be the fun and exciting years of your life that you should be able to look forward to. Most of us dream of doing a long list of numerous things that we were never able to do when we were younger.
It [...] Continue Reading…
(No Ratings Yet)Personal Finances And Computer Software – Can This Really Be Beneficial To Me?
There are a large number of individuals every single day who are looking towards the benefits they can take advantage of, by learning to manage their finances better. In this day and age when prices of almost everything we buy, from food to gasoline, seems to continuously rise, now is the time to get your finances in line.
Many people are not even aware that there are numerous different computer software programs that are made specifically for helping them to manage their finances. These can be very useful, and they can save a considerable amount of time that is normally spent on this grueling task.
When you take advantage of some of the many different programs that are available, you will be able to say goodbye to the endless boxes that are filled with receipts that you have saved, stack after stack of endless bills that have yet to be paid, your calculator, pencils, and scratch paper that is filled with calculations you have to be sure and remember.
Personal finances software can be very beneficial in keeping your complicated records in order, such as with various bills that you have, all of your different bank account records, investments that [...] Continue Reading…
(No Ratings Yet)How Young Should Children Learn The Importance Of Keeping Good Finances?
The need to make well thought out and efficient financial practices, decisions that concern various money matters is something that every single person will face at some point in their lifetime. How well you understand all of the different aspects of your finances, and how well you learn to discipline yourself in managing your money wisely can be the deciding factor in enjoying either success or having to deal with the failure in having bad finances. These can be the main key factors that will ultimately determine whether or not you will end up with the needless stress of dealing with financial difficulties in one form or another down the line.
There are many individuals who have realized that it is much better to educate their children as young as possible on the importance and of the benefits that can be enjoyed in keeping good finances. This could be especially true as our economy seems to constantly worsen. When your child begins high school, and for many children, as soon as they start middle school is an appropriate age to be able to begin teaching your child the important steps to handling their money wisely. [...] Continue Reading…
