Chase Bank Auto Loans - Credit Criteria

Chase Bank Auto Loans - Credit Criteria

As I mentioned above, Chase Bank loans to A+, A, B and very upper level C tier credit. Customers who can fit with one of those credit tiers, they must have a minimum credit score of 620. Otherwise, it is impossible for them to apply for an auto loan at Chase Bank.

So far as I know, their rate sheet displays three tier levels:
• Tier 1 = 730+ credit scores
• Tier 2 = 700 - 729 credit scores
• Tier 3 = 620 - 699 credit scores
If your credit score places you into the Tier 3 category, it's important to note that they do not like to see much of a slow paying history.
Usually the type of credit they will approve in this tier, are customers with good overall credit, but maybe their score has been dragged down by small medical collection accounts or maybe some of their credit card balances are a little high and that is bringing their score down some.
All in all, they are an auto lender that caters to better credit.

Chase Bank Auto Loan Structures
When a dealer is sending a deal to them, they are looking for the loan to value to be in the 110% range (of a new cars invoice, or a used cars wholesale value) plus:
• Tax, Title, License
• Vehicle extended Warranty
• GAP Insurance
• Credit Life
• Disability Insurance.

How To Get The Best Chase Bank Auto Loan Rates

First
Check your credit report and score to ensure that you will qualify for their tier 1 rates. If you find that your score is a little shy, then pay down some credit card accounts to give your score a boost.

Second
Negotiate a good deal and put 20% or more down. The equity discount that Chase Bank offers is typically the largest discount and will fall in the .50% range.

Third
Provide convincing documents and show them that you are eligible for short term auto loan.

Chase Bank Customer Service and Payoffs for Auto Loans
If you're looking for some quick contact information, you’d better visit its official site and looking for more information in detail.

Chase Bank Auto Loans

Chase Bank Auto Loans

Chase Bank: The Way For Your Next Auto Loan?

Are you looking for auto loans? If so, Chase Bank auto loans could be a great source of money for your next auto loan, although they are not suitable for everyone. In this article, I am going to tell you some information regarding to the Chase Bank auto loans, then you'll know Chase Bank is the right way for your next auto loan.
Honestly speaking, I am not affiliated with Chase Bank . I am irresponsible for the accuracy of the information in this article, because I only want to provide general informational for those who are considering auto loans at Chase Bank .

Chase Bank Auto Loans - Guidelines
Vehicles That Do Not Qualify
• No Motorcycles.
• No commercial vehicles.
• No vehicles for business use.
• No conversion, delivery, gray market, or lemon law vehicles.
• No salvaged, rebuilt, or branded title vehicles.
• No Isuzu or Saab vehicles.
• Your approval can't be used with independent dealers.

General Conditions for Applying for Chase Bank Auto Loans
• Must finance more than $7,500 and not more than $100,000.
• Must finance $12,000 or more for 61-66 month financing.
• Must finance $15,000 or more for 67-75 month financing.
• Must have gross combined income of $18,000 or greater for all applicants.
• No vehicles over 100,000 miles.
• Vehicles must be 5 years old or newer. 7 years old or newer if you are applying direct.

Bank of America Bank Mobile Banking Security

Bank of America Bank Mobile Banking Security

For Bank of America customers, it is always a big problem that they worry about security of their banking accounts. Regarding to Bank of America mobile banking, people naturally are cautious to it. It is very easy for thieves to copy their personal information, only on the condition that they can get the useful information from their mobile phones. But if you follow instructions from Bank of America, your account is going to be safe. Nobody can forbid criminals to commit illegal activities, but you can try your best to protect your own security of banking accounts. Take myself as an example, I highly trust my banks, because they always put my safety at first. However, that does not mean that you should not be careful of the safety of your accounts.

My Personal Experiences of Having Bank of America Bank Mobile Banking Services

In my opinion, I recommend mobile banking services from Bank of America. Although I can have more online banking services from my banks, especially, Bank of America, Bank of America mobile banking offers me the easiest way to know my account balance. Like others who prefer mobile banking, what I have to do is just have my mobile banking services via my smart phone. It is so convenient that I enjoy myself very much. Have you ever had mobile banking services from Bank of America? If you didn’t, I think you should have a try. Enjoy!

Bank of America Mobile Banking

Bank of America Mobile Banking

What’s Bank of America Mobile Banking?


It is popular that people like to have banking services with their mobile phones. But what’s Mobile Banking? Perhaps it is a question that some people are still not sure about it. Well, it is a kind of banking services from banks customers could their banking account easily and securely. Like online banking services, customers can check their balance, pay bills, transfer funds, and find nearby ATMs. As long as you want to have mobile banking services, you must have an advanced cell phone, with which you can access to internet. Then you can have banking services with your phone on hand.


Today, mobile banking is much more popular than before. When you walk on the street, it is popular that American cell phone users are increasing. Compared with traditional banking styles, they prefer to check their account, credit card and other accounts through mobile apps offered by Bank of America.

If you are a customer who is looking for a bank or ATM, with the help of your mobile phone, you can find their locations nearby, which can greatly save you time and money.

Download Mobile Banking App from Bank of America

If you are a Bank of America customer and you have your own cell phone, here is the procedure for you to have mobile banking services.

Firstly, you must make sure that your smartphone can access to wireless. Otherwise, it is impossible. Plus, as a common sense, you have to pay for your wireless fees, if you are going to have data plan from a wireless company. I prefer to choose AT&T, but my friends like Verizon, T-Mobile and other wireless carriers.

Secondly, once you connect your cell phone with internet, you’d better visit the homepage of Bank of America and figure out how to download Bank of America mobile banking app. If your cell phone is good enough, it will take you only one or two minutes to download it. Once you download your Bank of America mobile banking app, then you can access to your Bank of America online banking account with your cell phone. Then you can have mobile banking services from Bank of America.

Overall, it is very easy for you to have mobile banking services. What you should have is just a smartphone, with which you can successfully download mobile banking apps from the homepage of Bank of America.



Bank of America Bank Mobile Banking Services Features:

Bank of America Bank Mobile Banking Account

1. Monthly statements
2. Checking account history
3. Alerts on account activity
4. Monitor deposits
5. Order cheque books
6. Balance checking
7. PIN provision, Change of PIN and reminder over the Internet


Bank of America Bank Mobile Banking Payments, Deposits, Withdrawals, and Transfers
1. Money transfers
2. Bill payment
3. Deposit


Bank of America Bank Mobile Banking Investments
1. Real-time stock quotes
2. Personalized alerts

The War of American Independence (1775-1783)

The War of Independence (1775-1783)

The War of American Independence began June 17, 1775 (at the Battle of Bunker Hill) between the British and insurgent Thirteen Colonies: Massachusetts, New Hampshire, Connecticut, Rhode Island, New York, New Jersey, Pennsylvania, Delaware, Maryland, Virginia, South Carolina, North Carolina and Georgia. Any New England has a population of about 2.5 million. The British could count on an army of 30,000 professional soldiers (disciplined, experienced, well armed and well paid) and the best generals in Europe, not to mention 700 warships, 2,000 merchant ships to transport troops and ammunition, as well as 150,000 sea. A formidable force! But American independence was gained at the cost of a long war of seven years, resulting in the sinking of the British.

                                          The War of American Independence

As for the American rebels, they had only 18 000 to 20 000 men inexperienced - and sometimes even their number has reduced to 3000 men capable of fighting - had no navy and had only few well-trained general. The insurgents received no further than an army of volunteer militiamen poorly equipped, half men and half farmers. In many colonies, it will eventually require military service for all white men between the ages of 16 and 60. However, remained generally exempt from conscription administration members, pastors, students and professors from Yale, blacks, Indians and mulattos. It was a lot of people! It was also possible to escape this obligation by paying the sum of five pounds.

Furthermore, the colonists of New England were far from being all inclusive and anti-royalist. They were divided between those who advocated independence - the patriots and Republicans - and those who wanted to remain British - the Loyalists (or royal). Several terms were used to identify antagonists in the American colonies: Roundhead Puritans or (for their strict religious beliefs) associated with the Whigs against Tories associated with Monarchist. It now refers to the monarchists by Loyalists in the U.S., but Canada has long used the term United Empire Loyalists (United Empire Loyalists). As we know, the "loyalists" faithful to the mother country sided with the British and fled to Canada. That said, many people remained neutral.

At this time there appeared the word Yankee. According to a probable etymology (OED), this would be a nickname used by British soldiers to describe their opponents. Yankee comes from the Dutch word Yanke meaning "little Jan". This nickname would have appeared among the British troops as xenophobic pun intended to refer to foreign insurgents and discredit the true nature of their rebellion. The inhabitants of the colonies would have taken this derogatory term to their account through a process of semantic bravado. After independence, the English continue to use the term Yankee to refer to Americans. There was talk of the people of New England, saying "the New England or Yankee country." For their part, the French have a different interpretation of the word Yankee. According to them, it would be a distortion of the Indians of Massachusetts in the word Français Yenghi, Yanghis and Yankees. The dictionary Littré wrote in 1877:

Yankee. N.m. Nickname by which the British refer familiarly, and with a kind of smear, the people of the United States of North America. That's the word Francais, English, disfigured by the pronunciation of the redskins.
Littré cites no authority in support of his description, but certainly contradicts the definition Anglo-Saxon tradition.

 

On July 4, 1776, the American colonies adopted the Declaration of Independence, drafted by Thomas Jefferson, a highly educated lawyer and Francophile at the age of 33, then November 15, 1777, the Articles of Confederation. When the Americans declared their independence, they formed a population of 2.5 million inhabitants, of which 1.95 million whites, 520,000 blacks and about 100,000 Indians. Benjamin Franklin noted, while the population doubled every twenty years. It was during the summer of 1782 that Franklin wrote the outline of the treaty calling for full independence, access to fishing grounds of the new territories, evacuation by British forces from occupied areas and the establishment of a western border on the banks of the Mississippi.

                                             Declaration of Independence

The American Revolution (1776-1783)

The American Revolution (1776-1783)

The American Revolution was an armed conflict that lasted eight long years. It is also a civil war between Americans and British subjects, and a rebellion against the colonial authorities and an insurrection against the King of England (George III) and the monarchy. It was finally a war of "national liberation", the first in modern history. If the American Revolution had a considerable impact on the North American continent, we could clearly determine the causes. Regarding the language issue, it does not seem to have been a major concern, since American politicians associate interventionism monarchist linguistic practice that prevailed in Europe. However, all practices that recalled the monarchy and its excesses were banned. So non-intervention language that characterizes this period in American history.

                                            The American Revolutionary War

A strengthening of British power (1763-1776)

With the Treaty of Paris of 1763 officially ended the Seven Years War (1756-1763) between France and Britain, all of New France, with the exception of Louisiana ceded to Spain, officially became a British possession. Of its vast empire in North America, France no longer retained the tiny islands of Saint Pierre and Miquelon south of Newfoundland. Meanwhile, the war in British North America had brought glory to British generals, death to the privates, property dealers, unemployment and poor economic collapse of the Amerindian peoples.

However, in order to defeat the French in Canada and Acadia, Great Britain had to borrow huge sums of money to pay its expensive military operations. The only interest on the debt cost the British treasury over four million pounds per year. The British government then had the idea to pay off some of the heavy spending by the Thirteen Colonies (the only ones who could pay), through direct taxes on products such as tea, wine, sugar, molasses , newspapers, etc.. It seemed normal for the British government to pay the settlers of New England part of the expenses incurred for their benefit.

However, representatives of the Thirteen Colonies no longer saw the importance of maintaining this expensive device British military because of the fall of New France. Furthermore, the colonists of New England had waited until the English victory at last to pursue their expansion westward. But King George III had begun his reign in 1760 and he had every intention of strengthening the royal prerogatives on its American colonies. He believed that these settlers were "British subjects" who had a duty first to comply with its decisions.

Two problems arise and would greatly reduce the royal authority. First, the colonial assemblies held significant powers similar to those available to the English Parliament, for example the right to vote taxes and spending, as well to ensure that the legislative initiative. On the other hand, geographic distance and the obstacle was a vast ocean made more random attempts to dominate the Thirteen Colonies.

The history of the American Library in Paris

The history of the American Library in Paris


At the end of World War I, when entering combat in the United States, hundreds of libraries launched the American War Library Service, a major project to send books to the "Doughboys" (American soldiers) in the trenches - almost one and a half million books until the armistice.

                                                 American Library in Paris ( la Bibliothèque Américaine à Paris)

The American Library in Paris was founded in 1920 by the American Library Association with funds from these books and a currency that reflects the spirit in which it was created: Atrum post bellum, ex libris lux, after the shadow of war, light books. Its charter promised to provide readers in France, he was best among the literature and American culture as well as library science. It was soon established at 10 rue de l'Elysee, in the imposing hotel that had previously been the residence of the Apostolic Nuncio.

At first, the direction of the library was provided by a small group of American expatriates, including Charles Seeger, father of the young American poet Alan Seeger ("I have a rendezvous with death ...») died in the war and great-uncle of Folk singer Pete Seeger. Among the first directors of the Library included the expatriate American writer Edith Wharton. Among the first used in the Library, Ernest Hemingway and Gertrude Stein collaborated with the Library Journal Ex Libris, which is published today in a newsletter. Thornton Wilder and Archibald MacLeish borrowed books. Sylvia Beach offered books. Stephen Vincent Benét wrote "John Brown's Body" (in 1928) to the Library.


The continuing role as a bridge function that the library between the United States and France was obvious from the start. French President Raymond Poincare, as well as war heroes like Joffre, Foch and Lyautey, attended the official opening of the first presidents Bibliothèque.Une Board was Clara Longworth de Chambrun, sister of Nicholas Longworth, Speaker of the House of Representatives of the United States.

A range of talented American librarians succeeded in the difficult years of depression, while the first cycles of evenings with authors drew for conferences, leading figures of French literature such as André Gide, Andre Maurois, Princess Bonaparte and Colette. In 1936, financial problems eventually led the Library to new premises, streets of Tehran.

With the advent of World War II occupation of France and the increased threats vis-à-vis the French Jews, the Library Director, Dorothy Reeder, its staff and volunteers did a heroic providing underground and in disregard of the danger a loan service of books to Jewish members, banned from libraries. A staff member was shot by the Gestapo for not being fast enough hands in the air during a surprise inspection.

When Dorothy Reeder had to return to the United States for safety, the Comtesse de Chambrun took the opportunity to lead the Library. Paradox typical of the occupation, fortuitous marriage of his son with the daughter of the Prime Minister of the Vichy government, Pierre Laval, the Library secured a senior friend and almost exclusive right to stay open and its fund collections be largely exempt from censorship throughout the war. A French diplomat later said that the Library was occupied Paris in "a window to the free world."

The library was again successful in the postwar period, while the United States assumed a new role in the world, the expatriate community in Paris is regenerated and a new wave of American writers came in Paris - and the Library. Irwin Shaw, James Jones, Mary McCarthy, Art Buchwald, Richard Wright and Samuel Beckett were active members for a period of dizzying growth and expansion. In the early Cold War years, grants from the U.S. government allowed the creation of ten branches of the American Library in Paris and even the Latin Quarter. The Library moved to the Champs Elysees in 1952. This is the address that the Director Ian Forbes refused the visit of Roy Cohn and Joseph Schine, two subordinates notorious Senator Joseph McCarthy who ferreted across Europe in search of books to ban.

The Library was acquired from its current location two blocks from the Seine and two blocks from the Eiffel Tower in 1965 - leaving room on the Champs-Elysees to the famous public institutions, the Drugstore. Rue du Général Camou, the library contributed to the development of the fledgling library of the American College of Paris. Now part of the American University in Paris, the library is our neighbor and tenant. Branches ended their relationship with the American Library in Paris in the 90s, and three have survived through other partnerships.

Since the turn of the century, membership in the library grew to over 2,300 families and individuals, including third quarter of American and French. A rich evening program attracts hundreds of Parisians and visitors to hear authors and other personalities. More than 200 events a year for children, reading groups, writing workshops, movie nights, exhibitions and other events have made the American Library a prominent focus of the cultural life of the city.

The American Library in Paris is the largest lending library of books in English in continental Europe.

Inauguration of Abraham Lincoln, 1861.

Inauguration of Abraham Lincoln, 1861.

One of the origins of the Civil War is the Kansas-Nebraska Act in 1854, the U.S. Constitution prohibited slavery north of the 36th parallel. During the creation of Kansas, its people wanted their own choosing in a referendum if one were to engage in slavery or not. There were clashes between slaveholders and abolitionists, but many lawyers with a Lincoln, a former politician, then became interested in this matter and file complaints. Lincoln later founded the Republican Party and intends to abolish slavery.

                      Abraham Lincoln and the Kansas-Nebraska Act of 1854

The Civil War is rooted in the differences in development and economy between the north and south: north industrializing and urbanizing, welcomed European immigrants and imposes taxes on British goods. The southern states of benefit instead of British imports of cotton and the slave system. In response to the election of Republican Abraham Lincoln in 1860, most Southern states seceded from the Union and formed the Confederate States of America. Lincoln promised to put them back in the union, even by force s' I must. The union has priority over slavery. American Civil War followed, so it's a war against secession and not for the liberation of slaves. Southern Command, followed by economic policies operating in the conquered territories after the war caused a persistent bitterness among southerners in the government of the United States. The federal government's failure to unite the country contributed to its failure for decades to enforce the civil rights of African-American former slaves in the South.


The war began April 12, 1861, when the Confederates bombarded Fort Sumter, and take in South Carolina. The U.S. military is tiny (16,000 men), confined to the west in wars against the Indians. The Union and the Confederates are forced to issue a call for volunteers. The officers of the U.S. military simply just train and mentor them. The year 1862 was marked by the defeats of the Union to the east but also by the success of General Grant on the Mississippi River (surrender of New Orleans). In July 1863, the Yankee victory of Gettysburg (Pennsylvania) is an important setback to the advance of Southerners. The number of Southern soldiers mobilized is such that the overwhelming majority of slaves left unattended fled, Lincoln took the opportunity to launch when the Emancipation Proclamation is to say to officially ban slavery. The war changed data, it is also a war against slavery. This increases the number of volunteers northerners, ready to fight for a beautiful ideal, and escaped slaves as soldiers are also involved. On 1 September 1864, Atlanta was taken by General William Tecumseh Sherman. After the surrender of Robert Lee in April 1865, the armies of the South quickly stopped the fight.

                                          General William Tecumseh Sherman

American Civil War (1861-1865)

American Civil War (1861-1865)

Background: Black slavery

                                            History of Black African Slavery and Colonization

                                             Revolt of Nat Turner

The states of the northeast United States quickly eliminate slavery in the late eighteenth and early nineteenth century. The slave trade was officially abandoned in 1808. During the importation of slaves, Africans are separated from the same ethnic group, they are given the Anglo-Saxon names, they are forcibly converted to Protestantism.


In 1860, nearly 3 million blacks live in the south, mostly reduced to the status of slaves. Baptist and Methodist churches gradually detach the control of whites and organized into caring communities. Freed slaves who earn a good living, while trying to buy the freedom of their family members. Slaves began working at the age of 12, performing days from 17 to 20 hours a day. Many die after 5 years of malnutrition and disease (including dysentery). Some run away successfully and earn the north, others are mutilated when they are caught. Finally, some rebel (Revolt of Nat Turner). Métis children are also born of consensual sex or not unions between masters and slaves. These children are sometimes educated mestizo (a "veneer") to the European and become themselves, sometimes slave owner in adulthood. Others are less fortunate slaves (harvesting child).


From 1808 (abolition of the slave trade), decreases the number of slaves and their price increases on the slave market.

Despite the invention of a machine to separate cotton seeds by Eli Whitney, it is the plantation slaves who are used to harvest the crop especially as demand is high, boosted by Europe West and Britain in particular.

Still, only a small minority of whites has slaves of 6 million whites in the southern states in 1850, 347,000 have esclaves6.

The ideas of the American Revolution, the uprisings of slaves and the Haitian Revolution have raised fears among some growers a general insurrection of the black population. In 1831, the slave Nat Turner leads a revolt in Southampton County, Virginia (51 whites were killed in one day). It was finally crushed and its leader is executed.

The Missouri Compromise (1820) establishes the rule of parity in the admission of new states in the Union: north of 36th parallel, these new states must prohibit slavery and there must be the same number of states qu'esclavagistes abolitionists. When the Missouri slave is created it creates a new state abolitionist north: Maine (detached from Massasuchsetts).

The Great Discoveries

The Great Discoveries

 
In the first half of the fifteenth century the Portuguese, under the leadership of Henry the Navigator, undertake the exploration of the coast of Africa.

In 1492 Christopher Columbus discovered very west of the islands in the Atlantiche believes to be close to Asia.

A few years later Vasco da Gama won the Indies around Africa by the South.

 The Great Discoveries

In 1522 one of the boats of the expedition commanded by Magellan is back in Spain and demonstrates that it is possible to circumnavigate the earth by sea.

In a few decades the representation of Europeans in the world is profoundly changed.