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My wife and I recently purchased our first home earlier this year. We applied for the Lowe's store card because of the 0% interest for 6 months and the 5% off every day you use the card at Lowe's stores. We have had to go to Lowe's quite often to use our Lowe's Store Card because our new home has required a couple small upgrades like new ceiling fan and lighting fixtures. This has been quite easy for us to stop by Lowe's and get what we need without having to worry about paying interest for 6 months. This allowed us to get what we need now and save 5% off every purchase. Typically, we use our American Express card, but this Lowe's card beats it by a mile with the 5% off. My other card usually can only give us 1-3% back and that is for specific stores not including Lowe's. A couple of my friends are purchasing new homes as well and I can't recommend this card enough to get started!
The Amazon.com Credit Card is perfect for earning rewards to spend online at Amazon.com. The card earns points based upon type of spend. For Amazon, you earn 3 points. Gas, restaurants and drug stores 2 points. You also earn 1 point for every $1 spend elsewhere. These points really add up to buy great products and merchandise on Amazon. I highly recommend this car, because of it's ease of use. Many cards require certain purchases at a specific type of store to earn any rewards; however, this card pays out for any type of purchases. This is also the perfect starter card for a student. The interest rate is very fair, and it is quite easy to get approved for with decent credit. The Amazon.com Credit Card is usually my 'go to' basic card, because I get rewards no matter what. Many of my other cards end up in my drawer because of this.
This is an excellent credit card for everyday usage. I like to use this card instead of my debit for all of the extra protection it offers from fraud, as well as the bonus points to use towards cash back or other incentives. My other card is an AMEX Blue and this Wells Fargo Rewards cards beats it easily! The card provides 0% apr for the first year, which is another added bonus. The best part about the card is it provides 5 points for every $1 you spend on gas, grocery, and drugstore shopping trips for the first 6 months. I give the card 5 stars for an everyday usage credit card. I highly recommend the Wells Fargo Rewards Credit Card to my friends and family!
The Target store card is excellent for normal everyday usage, because it automatically provides you 5% off of everything in the store. Not many other companies are offering this automatic discount so why not take advantage of it. Because of this discount, we tend to stop here more often than other stores like Wal-Mart, who don't offer a store card with a discount. Target provides an excellent incentive for us to shop, and I couldn't be happier with their practices. I encourage my friends and family to check it out as well. You really can't beat it.
Chad Bernard helped my wife and I purchase our very first home. He helped walk us through the process from start to finish while being careful to insure we understood all steps. He explained the complex processes to us, and simplified the mortgage documents for us. This made sure we weren't signing something we didn't understand. We were able to secure the interest rate we wanted, because Chad responded to our communications when we needed him to. This helped save us over the life of the loan. We were very happy to see our expected interested rate on the final documents over a month later. Chad provided us peace of mind, educated us on complex matters, and was a pleasure to work with. I would recommend him to anyone!
Navy Federal Credit Union has been an excellent place to do our checking, saving, and children's accounts with for the past 3 years. Even when I am not close enough to visit their stores, they provide amazing customer service, and value through online and mobile banking. I recommend this bank to anyone that can access it.
I'm very happy with Farmers Insurance. My wife and I recently had to make the switch from another company, as they were hiking rates up as much as 30%. When I initially spoke with my Farmers Insurance agent over the phone they insured I would receive a very fair price. The agent ran our numbers and actually ended up saving us money. Based upon this, we made the decision to switch our car, and life insurance to Farmers Insurance. Needless to say, we are more than happy with the service, quality, and overall experience. We are recommending Farmers to all of our family and friends.
This is one of the best credit cards out there for someone's first card. There is no annual fee, 0% APR starting out, and more. If you spend $2000 in 3 months you receive 20000 bonus miles as well.
My wife and I use Esurance for both of our vehicles. We get the best possible rate, and 24/7 customer assistance. Our agent is very helpful, and always willing to lend us a hand with any questions we may have. My family is now hooked on Esurance because of our recommendation. We now recommend them to everyone that asks for help!
My wife and I recently purchased our first home. We chose Liberty Mutual based upon a couple recommendations from friends. The online process was quite simple and provided a quote that was the exact same we ended up paying. Other companies provided a quote online, and once you contacted them and went through the final application process, the quote ended up being almost twice as much. The other companies also tried to hard sell us on extra options we insisted we weren't interested in. Liberty Mutual's agent heard our concerns and needs, and fulfilled them as requested. We were more than pleased with our decision. We recommend them to anyone for home and auto insurance, because of their honesty and amazing value they provide.