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Andrew McCabe unlike my other insurance agents, took over my life insurance policy that I reallly never have touched. My grandparents opened a life insurance policy when I was a baby and the old agent running it retired because its been over twenty years that that policy has been going. I never really have needed to touch it and really talk to him except for some minor events such as my moving and requiring to change my billing address. He was really great though when I did have questions, and he has been always sending me the paperwork to get my life insurance to be fully paid by the interest of the policy. He's a great guy and would definitely use him for any other life insurance policies i may open throughout my life.
I recently had a family member pass away and they left me a good portion of money, so instead of putting it into the volatile stock market of today's age, I decided to invest it into real estate because my father runs multiple rental properties already and he would happily become my partner. Kim understood the situation where this was not for my own home but for a rental property, and found me a great loan and helped me get pre-approved. I already have a great credit history and was able to prove I had the money for 90% of the property, so the loan was actually very small. She got my down payment down to a great amount and gave me the best APY, even better than what i got for my personal residence. I kinda wish I had found her for my house's mortgage because she was extremely impressive and possibly the best loan officer I worked with.
Bob Ruesch is a great insurance agent. I had a life insurance policy that my grandparents opened for me when I was born and until I graduated college, was paid into for almost 24 years. When I graduated college I ended up needing to cash it in to pay for final costs to graduate, he was awesome and helped me very quickly and cashed in my policy. I was under a very tight deadline to pay the bill but he expedited it and got the check in my hands within 3 days compared to the normal seven to ten days for most policy buy outs. He's a great guy and knows what hes doing, and without him, I wouldnt have been able to pay my graduation fees and get that diploma.
Julia is a great insurance agent. She is the fastest responding insurance agent Iâ€™ve ever had. I call her or shoot her an email and she either picks up the phone right there or emails me right back instantly. She handled my accident claim perfectly and got me my money and helped with the other carâ€™s insurance too. She has gone above and beyond what I expect from an insurance agent. I have and will recommend her anywhere to anyone if they are looking for car insurance in my area. Best insurance agent around. Great attitude, great smile, great service.
When it comes to secured credit cards to help build up your credit so you can get those fancy cards with the benefits, the Citi Secured Credit Card is actually pretty good. The card's APR is going to be high with 18% but there's not much you can do when you have terrible credit, and thats why you're using this card. It requires a $200 deposit to get the card so if you default they get that money. After a year to 18 months, you get reviewed for a chance at a credit card thats unsecured. This will report monthly to the major bureaus and help you get that credit rating back on track.
CITGO Gas Card has the 5 cents per gallon which is alright and pretty decent for a gas card. If you shop with citgo, i guess thats pretty good but the big downfall is the steep APR. 25% is like the upper limit for every other credit card out there, but this is just the only APR. Thats really high and pretty much makes you wonder, if you use this card for the money back, are you actually saving with that high of an APR? Citgo definitely needs to get a card with a lower APR in this day and age to make their card worth it.
Bed Bath & Beyond Credit Card is great for any frequent shoppers of the store. You get 5% back, or 5 points per dollar at any bed, bath and beyond store and 1% or 1 point per dollar one any other purchase. The great benefits though is your first purchase nets you a $10 gift card, and it only takes 1000 points to get any other gift cards after that. Another great signing bonus is you get a coupon for $25 off a purchase of 100 dollars or more. Both of those signing bonuses are worth getting the card alone. Sadly they do not offer any introductory apr rates, but the rates are the standard competitive 13-25% based on your credit rating.
New York Giants Extra Points Credit Card is a must have for anyone that is that sports nut Giants fan. first use of the card nets you 10,000 points and thats almost 100 dollars in savings right there. 20% off every 100 dollar purchase at NFLshop.com while getting 2 points per dollar is a great bonus if you want that football merch. You can then spend those points on cashback bonuses or more Giants sporting goods! This card also gives a great introductory 0% for 12 months, which everyone loves and has competitive rates after that. If you love the Giants and buy a lot of goods from NFLshop.com, this card is definitely for you.
Sunoco Gas Card is an interesting card, you must pay the entire balance in full each month or it gives you a late fee of 2% or $10 dollars minimum, but if you buy large amounts of fuel with Sunoco, this card has some great benefits. If you drive a lot or run a business that will uses a large amount of fuel you can save up 3.5 cents per gallon if you spend up to 10,000 gallons a month. That 3.5 cent savings definitely will add up if you are buying that much gas, so this card will save you a lot of money.
If you shop at Sheetz gas stations, Sheetz Credit Card is actually better than most gas station cards and worth picking up. You get 5 cents per gallon of gas you pump which definitely will add up over time and save you a great amount of money. When you go inside for a soda or any snack foods, its 5 points for every dollar you spend. Those things are amazing deals and will net you gas, food, and other free stuff inside Sheetz. The APR is decent, but just pay off your card right away and thats no issue right? Sadly it doesn't offer an introductory APR though, probably the only downside to this card.
If you are a sporting enthusiast and make a lot of purchases with Academy, the Academy Credit Card is actually a great credit card for you. 5 points per dollar is great and above the standard double points, and you get a $15 gift card just for opening an account which is a great bonus. Every 2500 points nets you a $25 gift card also. One thing that most cards from stores do not have but this does, is a 0% APR for 12 months. That alone makes it worth keeping the card if you shop at Academy. Interest rates after the first 12 months are decent too.
Bluebird Prepaid Card is not actually a credit or debit card but a prepaid card where you put money onto the card through an online service and then you can spend it anywhere credit or debit cards are accepted. There are no monthly fees or activity fees unless you're withdrawing cash from an ATM and thats $2. There's pretty much no fees at all and are great cards to give to like your kids or family members and don't want them to have a credit card. The only one downside to the card is that its an AMEX and AMEX is sometimes not accepted in places.
Nordstrom Credit Card is nothing really special but its your average store brand credit card. It gives you double points when you shop at Nordstrom, one point per dollar when you shop at other stores. Every 2000 points accumulated gets you a pretty standard gift card bonus. Apparently theres promotions or gifts they send you throughout the year which seem to make the card pretty worth your while if you shop constantly at Nordstrom. They are an expensive store so points will accumulate quickly anyway. APR is decent and might be better than average cards, so its definitely worth it to pick up if you shop frequently with Nordstrom or Nordstrom rack.
If you're a business owner and do a lot of purchases through Sam's Club, Sam's Club Business Credit Card honestly isnt that bad for you. 2% back over a long time and many purchases at Sam's Club will net you a lot of savings. 1% for everything else isn't that bad, it just isn't what makes the card worth it. APR is alright too, probably could get better but it just is another credit card and you probably will find something better. The one downside is that it doesn't have an introductory rate. This card would be amazing if it had that but you can't get everything you wish from a card for a specific store.
This card is definitely for a select crowd but its not that bad if you fall into that niche. Aer Lingus Credit Card is just like any other credit card attached to an airline and has the same bonuses you would expect, you just have to fly that airline to make it worth it. $40 back every time you make an Aer Lingus purchase is nothing to scoff at though. Saving up those points seem like a daunting task but once you do it, you get some great rewards. 45,000 points nets you a free ticket for transatlantic flights which is definitely more expensive than you can imagine. Their APR isnt that bad too so if you do fly to Ireland a lot, definitely look into this card.
If you shop with Brooks Brothers this card isn't that bad. I always love rewards programs and that's what they give you. 4 points per $1 is pretty good compared to most reward credit cards, the standard seems to be just double, being only 2 points so its definitely one upping other places. It also only requires 2000 points for your first gift card too which is a bit lower than other places. A really cool bonus though is that every year you get a $20 birthday card and a $20 anniversary card from them. That is definitely one thing which is above and beyond most cards. They give you something cool which most don't and actually make you want to shop there.
This card makes absolutely no sense to have. When you get a gas card you expect to get money back from that gas station, but nope this doesn't give you that. You get money back from actually renting hotels from various across the country. What makes even less sense is that you get money back from buying airline tickets? Why would they want to give you that if its a shell card. They would want you to drive everywhere since they can sell you more gasoline. This card just makes no sense, and has no reason to get it. I was highly disappointed with this card because i wanted money back for buying gas at the local station.
Joni Burns is a great loan officer and helped me get my first loan to end up buying my first house with my girlfriend. I decided to buy a house because I have great credit and our market for houses is very optimal for buyers so I started looking into how to get a mortgage. She was very helpful and talked to both of us like adults because even though we are young we were able to afford a home easily with my great job I got out of college. She was super knowledgeable and made the process extremely easy. I would definitely suggest her to any of my friends if they are able to afford a mortgage and want to make the big leap.
TJ Maxx and Marshalls is such an addicting store for me, and I purchase so much there, I had to have this card. Both stores I frequent and buy everything for the family when I can. I try to save my money and with the TJX Credit Card I got 10% off for my first purchase and then I started accumulating points based on my thereafter purchases. Every 1000 points I've gotten another gift card which just makes me want to return to those stores. So If you're like me shopping TJ Maxx or Marshalls frequently, this card will rack up the savings over time and just be throwing gift cards at you.
If you fly with Continental Airlines, this is the card for you to have just so you get those amazing free miles. Continental Airlines OnePass Plus Credit Card has an amazing 30,000 initial bonus and 2 miles per dollar on Continental or United flights, 1 dollar for everything else. Another awesome bonus is you get priority boarding for any of the flights you take with Continental or United and you get your first bag checked for free. So if you fly a lot with United which is a huge airline across the US, this is an amazing deal for you. Just the money you save from checking your bag will make it worth your while to have.
If you are a shopper at BJ's Wholesale, there is absolutely no reason why you shouldn't have this card. This card will net you 1 point per dollar anywhere you use it, doubling when you shop at BJ's. If you earn up to 3000, bam you just earned yourself a 30 dollar gift card at your already favorite store. BJ's Credit Card has a great 6 months 0% APR which is always awesome and after that the rates are competitive to everywhere else. Just using this card though at BJ's will save you tons over the long run, and you're already saving great amounts because you're shopping at a wholesale club.
AT&T Credit Card is an alright card if they want to get bonuses through AT&T. The biggest bonus being able to receive a 10% discount on all AT&T products and services for the first 12 months, 5% after that. So if you have AT&T phone, internet, or other services through them, just using this card will give you money back and save you a bit. They also have a decent point system to pay out bonuses and rewards based on how much you spend. Every $1 spent on the card is 1 point and those points can be put towards a $100 gift card. No introductory rates is sad but that's the only major downside to the cards.
If you are a huge bears fan, the Chicago Bears Extra Points Credit Card is definitely for you. It may just seem to be a standard credit card, but this thing is amazing if you are a bears fan like I am. All of your spending will help you either get money back or feed your football addiction and allow you to buy more Chicago Bears memorabilia. You get double points if you use your credit card at any NFL pro shop! The 12 month no interest is great too, and after that your normal APR is fair with the competition. I chose this card because I'm a huge NFL nut, and an even bigger Bears fan, and it has definitely paid off for me.
UW Credit Union is a great credit union, especially for loans. I ended up getting a student loan with them. They were very kind and always helpful to me about my loan. They always were clear about dates and were able to push back my due dates if I absolutely could not pay my loan payment. Their staff was always very knowledgeable and intelligent. They always were able to help you and if they weren't actually able to help you for some freak reason, they could find someone within the building to help you. UW Credit Union is definitely Grade A, and worth your time to visit.
I've had a Landmark Credit Union account since I was very young, my first account being made by my grandparents for me and ever since I have been using it. They have always treated me with respect and care, and acknowledging my existence even though I was just a kid. Now that I’m older I’ve had student loans, car loans, and my main checking and savings through the credit union. They have a bunch of branches throughout the city and are the size of some of the smaller banks, yet still have that great feel of a credit union. My favorite credit union and banking establishment in Wisconsin bar none.
I love Summit Credit Union. My credit union account was given to me for college related funds from my grandparents and I decided to use the account as personal banking. I didn't even know my account information when I decided to check out my account. I talked with a great banker, the name which I don't remember anymore sadly but she was great. She helped me with all my problems made sure my account was working exactly like how it should be even though it hadn't been touched in years. I would always recommend this credit union to anyone who wants to get away from the big banks. Customer support is much better here.