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I have life insurance from Great West Life and Annuity Insurance Company and couldn’t be happier. I am in good health so I pay just a little over $10/month for a $150,0…
Reviewed by: @marcwood
You may not even realize you are carrying a HSBC credit card because they offer credit services through many big box stores. I don’t really have any complaints about this company. I also don’t really have anything great to say. Their customer service is good, their credit card is average, and their rewards program is o.k. for a credit card company. Unfortunately, most of their credit cards offer a high interest rate and a low line of credit. This can only be an advantage if you are planning to pay off your purchases monthly. I use their services when I must and try to pay off the balance as quickly as possible.
I recently applied and was approved for a line of credit at Fifth Third Bank. Their application process was fairly simple. They were able to set up the line of credit in just a few short weeks. Their smooth process allowed me access to more money when I needed it most. I also like the fact they are expanding into other states across the United States. It is comforting knowing there is a demand for their products. They are definitely a leader in the banking industry even as a regional bank. Fifth Third’s friendly customer service and convenient process was worth my time.
ING direct securities is one of the best brokerage firms I know for novice investors and those who cannot afford to invest large amounts of money. Their investment hub is called sharebuilder.com. Generally you receive some type of cash reward when you open a brokerage account with them. They also allow clients to buy any stock for $4.00 with some restrictions, but I think this option is worth it. I also like the fact that there is no minimum you need in order to set up a Sharebuilder account. I do not recommend their Sharebuilder platform for experienced investors because they don’t really have great technical trading tools. Sharebuilder and ING Securities rock!
TD Ameritrade is a great banking institution with one of premier brokerage firms of today. One of the trading platform options they offer for stock market investors is called Think or Swim. I use this platform on a daily basis to research and trade stocks. I like this platform because it offers a slew of trading tools for any level investor. I also like how the Think or Swim platform is user friendly allowing you to save time and be a smart investor. So many times I have lost money on a trade because I misunderstood how to use a trading platform. I do not have to worry about costly platform mistakes with TD Ameritrade’s Think or Swim platform.
I have a variable annuity with Horace Mann. I generally do not like variable annuities because of all the hidden fees a customer incurs throughout the policy’s existence. However, the policy I own with Horace Mann only charges me a sales charge when I add funds to my account. I do not mind the investment choices Horace Mann offers because I am an experienced investor. However, I would not like being a novice investor because you really need to weed out the good investments from the bad ones. I also feel their agents could know a bit more about the financial industry.
For several years, I have been a client of Liberty Mutual for short term disability insurance. I can’t say whether my disability insurance is good or if I pay a fair rate. I signed up for the policy because it met the needs of my family. I probably should shop around, but I am currently happy with the policy I own. I don’t like don’t like pushy salesman and my agent was the exact opposite. The agent was friendly, he stayed within my budget, and educated me about disability insurance. I recommend Liberty Mutual Insurance because of the good experience I had with them.
I have life insurance from Great West Life and Annuity Insurance Company and couldn’t be happier. I am in good health so I pay just a little over $10/month for a $150,000 insurance policy. I know this is a great rate because I tell people all the time and they can’t believe my rate. I also tell insurance agents when they want to provide me with a life insurance quote. The agent usually doesn’t even give me a quote because they know they can’t beat my rate. I definitely recommend Great West for life insurance because they offered me a great policy at a great rate.
I do not use my Amazon credit card except for when I buy products on Amazon. I use my Amazon credit card because it’s easy to review a product, click the buy button, and not have to worry about entering my billing data while on Amazon.com. I also love the point system they offer for using their credit card. You immediately earn points and can apply them toward your next Amazon.com purchase. They usually offer the best price for whatever product your are looking for, which is why they are putting some many big box stores out of business. Amazon is a great company with a great credit card.
I just recently signed up with State Farm for insurance on our home, life, and car insurance. We have only been with them for three months, but we chose them because they gave us the best overall quote. I like dealing with a local representative and they are always extremely friendly and professional. They did seem a little pushy when we signed up in the beginning, but we just told them we are fine with our current bundled plan. As long as they keep giving us the best rates, I will keep being their client. These guys are legit and I recommend them for anyone needing insurance.
Just recently I received a claim check as compensation for being in a wreck. I could have deposited the check at my bank, but they would have held the funds for several days until the check cleared. So I took the check to the bank that issued it, Wells Fargo. The few minute experience I had with Wells Fargo was great. The customer care representatives were nice and helpful. The teller processed my check quickly with no questions asked. Best of all, I received an envelope full of cash I could take to my bank and deposit effortlessly. If I ever need a new bank then I will probably send my business to Wells Fargo.
I have a Chase Rewards credit card for business. I use this credit card frequently to make random business purchases. What I like about the card is that for every dollar I spend, I receive 1 point. It’s not much, but I don’t have to guess how many points I will earn. Their point redemption program offers card holders many features. The point redemption products they offer are pretty cool, but I usually just redeem my points for cash. I have owned the card for so long, they keep raising my credit line limit. I am grateful for my Chase Rewards card.
The best part about our Citibank Thank You credit card seems to be the 50,000 free points we received after making a few purchases. I love that we earn one mile for every $1.00 we put on the card. We also get one free airline ticket every year. The only down fall I see with the credit is the $150 annual fee. It has been waived for the first year, but I don’t know if the card will be worth keeping once the fee is tacked on. I know I like it now and I know I will like better once we redeem our first airline ticket.
Chad Kishel is a certified financial planner working in and around the Atlanta, Georgia area. He has been my financial advisor since 2005. Chad originally set me up with a variable annuity, and over the years he has set up multiple accounts for me such as a Roth IRA and 529 plans for my kids. You can tell the difference between a greedy financial advisor and one who always has your best interest in mind. Chad is not greedy. Multiple times he has recommended a product he does not carry because it’s a better fit for my needs. He has not only helped me make good, sound financial decisions, but he also educated me throughout the process. I feel comfortable knowing my future is more financially secure. Thanks to Chad, I know it will be.
I do not have any financial accounts with Northwest Mutual. I did consider becoming a financial advisor with their company. Upon my entrance for an interview, I could tell the company ran smoothly. Their employees were extremely nice and constantly stayed busy meeting customers. It appeared their advisors were successful and enjoyed what they were doing. My drawbacks were simple: I have two young kids needing daddy time and I would be asked to call on friends and family in order to get a few accounts under my belt. Their advisors definitely worked longer than I could commit to, and I wasn’t willing to ask my family and friends to become a client. I would absolutely become a client of Northwest Mutual. They were professional, experienced, and their clients seemed happy.
I just recently canceled my policy with Progressive Auto Insurance. I had been a long time customer of theirs and enjoyed their service, so it was kind of sad to say good bye. We cancelled our policy because Progressive could not beat a packaged quote from one of their competitors. The car insurance industry seems to be saturated with so many reputable insurance companies, so I tend to shop around for the best price when it comes to car insurance. I hope to work with Progressive again in the future because they provide a good service at a fair price.
I love this company’s airline mileage rewards program. The Venture Capital One credit card may be the best travel rewards credit card because it offers so many features. You can fly on any airline at anytime. You can redeem points for airline, hotel, and rental car. We recently applied for the card just to earn the 10,000 points and because we wanted to earn airline tickets to travel more. We haven’t quite earned enough points to get a free airline ticket, but we are very close. I can’t wait to go on our first trip courtesy of the Venture Capital One credit card.
Visa is truly everywhere you want to be and that’s something no other credit card claim. My brother was recently stranded on the highway due to his car breaking down. The tow truck driver took him to his destination and asked for payment. My brother only had American Express and Discover, neither of which the tow truck company accepted. The driver took my brother’s car back to shop until he was able to make payment. Now I do feel American Express and Discover are great companies that supply a good product, however, Visa is the only credit card that is truly accepted everywhere.
I have a Discover Cash Back credit card and used it frequently to earn the cash back rewards. However, whether I was supposed to receive 1%, 2%, or 5% cash back, I could never understand how Discover calculated the cash back for each purchase. Maybe it’s just me, but I seem to like reward cards that are easy to calculate such as dollar for dollar or double your miles. I do like many of the Discover Card’s benefits such as the no annual fee, American based customer service centers, damage waiver on car insurance, and the cash back reward program. I still have the credit card, I just don’t use it frequently.
First of all, I do not like writing negative reviews. I do not complain about mediocre service. I accept mediocre service because we are all human and make mistakes. Unfortunately, Safeco’s customer service was well below mediocre. I was recently involved in a car wreck with one of their insured drivers. The accident was his fault and he accepted complete responsibility. I made the claim with Safeco the very next day. It took 5 days for the adjuster to contact me. The only reason she contacted me was because I asked my insurance company for help. Another 5 days went by without hearing from the adjuster so I called her supervisor to report the poor service. It ended up taking over 3 weeks just to begin settling the claim. I had to drive a wrecked car for weeks because of their poor customer care. I will not recommend Safeco Insurance to anyone.
My wife and I have been banking with BB&T Financial for twelve years now and have nothing but satisfaction and gratitude to express for our experiences with this institution. We have checking, savings, and loan accounts. We are always charmed by the personal and genuine attention they extend to us during every interaction over the phone or in person. Our children even look forward to any opportunity to go through the drive-through teller service, as they are always recognized with a smile and a lollipop. Twice now we have been the victims of larceny and identify theft. In each instance BB&T representatives worked with us to ensure the process was as painless and stress-free as possible. Their reassurance and quick action was a tremendous relief and blessing. In one of the instances, they were able to provide the police with enough details to actually identify and prosecute the offender! We are dedicated to BB&T and grateful for the quality, personal service we have been offered year after year.