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What started out to be a good solid business checking account, Capital one 360, has turned into an account that I just cant fund. The problem is I funded it electronically when I opened it and since then closed out the bank account that the transferee originated from. Now Capital one want me to mail them a paper check along with a long form to be completed with my new account information. Not acceptable. This is the reason I do business on line; so I don't have to worry about sending things through the mail. What started, as a great easy to open business account is now an account that I have to leave behind. Now I have to waste time to call and close it out at some point. This is a perfect example of how a bank will loose a valuable customer due to not being with the times. Every other bank I have delt with will just let you add a bank account to you profile so that you can fund it with out a problem.
Two weeks ago I opened my on line First Niagara checking account that offered a 250.00 dollar bonus. During the first week I satisfied the first bonus requirement and made 5 online bill pays. I was shocked to see they credited my account with the 50.00 in just one week! I love this bank so far since I only had to deposit 50.00 to open it and if I use the debit card 10 times per month I will avoid any fees. I hope to satisfy the 10 debit card transactions to get my next 50.00 dollar bonus too. Customer Service is excellent as they gave me a follow up call only two days after signing up on line to make sure I had navigated their system correctly. The only problem I had was after signing up online was I had no access to my full account number. Only the last four. When I called they would not give it to me over the phone. To access my own account number I had to contact them through their secure message service two time to resolve this issue. I am not going to hold this against them due to all the fraud out there theses days. They are just trying to be secure!.
Very good experience with this bank after just opening accounts on line a few weeks ago. Savings account is free with just a 400.00 daily balance kept in it and it come with online services that are very good. After opening my new account on line I received a call from their customer service department within two days to make sure I was satisfied. I liked that a lot. Also I stopped in to the nearest local branch to check it out, and the manager introduced himself to me and was very friendly. This is a bank that is interested in satisfied customers and building their business. That is my impression anyway. All in all so far I am satisfied with my new bank.
Just love this city card with its 0 annual fee and great rewards.I was pleasantly surprised to receive a larger than average credit limit. One great thing is Citi banks professional customer service team when you call in.Their on line account management web site is second to none too. I did receive a lower than average APR and along with my rewards this card works for me.
I love the Macy's store card simply due to the fact that they have great new offers on a regular basis for Macy's card holders! When I signed up online last month I received a 25 dollar bonus toward my first purchase. Now I am finding good discounts frequently. Interest rate is about average for store card but the only draw back is the low credit limit they issued me but it is still enough credit for me to get my discounts. All in all Macy s has a reputation for great customer service with their card services department and I have found my personal experience to echo that. Also I signed up for their on line service and I am shopping and paying with my card on line. I can pay my card balance on the same site too. Very convenient ! Go get your card and start to save!
This is the card I just received two months ago and I love it. I am trying to purchase all my daily needs on it due to the liberal rewards program. Also I was approved for a very decent credit limit and set up the on line account and verification with ease. I did have to call customer service about my cycle date and they were very well versed and able to help me change the date to what was comfortable to me. Great company and a great card.
The Ann Taylor Loft card I a very good card to have for those who enjoy this store, and online shopping offers some great discounts too with this card. The credit limit is a bit more generous than cards such as Macys which is pretty low. Again, a necessary card if this is where you shop.
I searched several home insurance providers for the Historical building that I live in and Millville Mutual was the very best as far as a comprehensive policy for the best price. Although I have not had to deal with their claim department yet; I have excellent results speaking with their very pleasant and qualified customer service team. That really means everything to me along with good rate and reasonable deductible! I really recommend getting a quote from this company to see if you can save a significant amount,as I am doing, on your premium .
Excellent Bank for starting a savings account. You can have your savings automatically deposited as you wish. Also with online banking you can easily transfer money from your checking account to your savings and visa versa as often as you wish.For those who don't have a checking account, I believe right now you can earn 100.00 for signing up for a new account. It will be deposited into your savings account when you complete the bonus requirements. Great deal and great bank to deal with.
I love this card. It is a great card for rebuilding your credit. This was one of my first cards and even though it has a 39 dollar a year fee -the interest rates are not too bad and it is a credit rebuilder Capital one customer service is easy to deal with and you can use their excellent on line account management tools too. According to "Credit Karma" they approve scores on the low side of "fair" so it can get a lot of people started rebuilding their credit. This is a reputable company and they will treat you right.. IT REPORTS TO ALL THREE CREDIT AGENCIES!
I love Geico, I have been with them for over 15 years through thick and thin. I have checked other rates over time, and have not ever gotten a cheaper rate. On line account management is stellar and their customer service is great. With all that said in fairness to readers I have never had a claim to report. Once I had forgotten to make a payment and they kept the policy alive for a bit. I strongly recommend getting a quote from this company.
American Eagle Federal Credit Union is a great credit union, However I have been concerned that there are no branches in PA. I opened this account in Hartford CT and then moved to PA: and use it often on line yet I do have to pay ATM fees for cash out of state. All in all this is a great bank to do business with and their on line banking and support is second to none. I strongly recommend this bank, especially to residents that reside in the same locale.
I love citizens bank. The customer service at their branches is friendly and professional. They have a great bonus plan for starting a new personal checking account of 150.00 dollars. All I had to do was deposit 50.00 online and make 10 direct bill pays during the first 60 days. It was great and I have received my bonus. I also like their free atm machines and no fee checking accounts. I enjoy a business account with citizens bank also which I have online. Great online customer service regarding their online banking. It makes my business run smoother.
Does car insurance cover rental cars? This common question has a simple answer: it depends. While it is wise to be concerned about being liable for damages to a rental car, due to being underinsured, duplicating existing coverage at the rental counter has little benefit and may increase your rental costs dramatically.
Many major insurance carriers state that their coverage is sufficient and may exceed the coverage offered by rental companies; however it's beneficial to contact your provider to determine if your policy will stand up to a rental claim, should an accident take place. Ascertaining what level of insurance you are carrying on your auto is critical to having the peace of mind that you are truly covered while on the road.
Now if your policy has full collision, comprehensive, liability, etc., and you are carrying a reasonably low deductible, most likely you are going to get the OK from your insurance company that you don't need any supplemental insurance.
On the other hand, if you own a ford focus and are renting a Mercedes it will be wise to check your coverage amounts, as they may not be high enough to cover damage to a luxury car. In that case rental insurance may be needed.
Even if you determine your policy has adequate coverage, if you are carrying high deductibles you also may be at risk. Paying the deductible for an inexpensive fender may be within your budget while paying the deductible on a luxury fender may break the bank.
But even if it looks like you need that extra protection from the rental company, don't forget the credit card you rent the car with may provide secondary coverage at no extra cost. Secondary coverage in theory covers the gaps in payments that your primary insurance leaves you with in the case of a claim.
With all this settled don't forget about your personal items that may be stolen from the rental car. While most insurance carriers will not cover the loss of your personal items if stolen from your rental, it is wise to check and make sure you have a personal property policy that will cover this. If not, you can purchase "personal effects insurance" at the rental counter.
Good luck and happy motoring.
Now that you're ready to make that big decision and start shopping for your new house, it's time to reflect on just how much house you can afford. While most financial institutions subscribe to the 28/36 rule as a standard to follow, the more general 30 percent guideline proves to be a good industry standard too.
So what does the 28/36 rule mean? Simply put, your new home mortgage should not exceed 28 percent of your monthly net income. The 36 reflects all of your combined debt, which includes your new mortgage too. The 30 percent rule allows you to borrow a little bit more, yet does not include any of your other monthly debts.
So here's the break down. If you earn 2000.00 net each month, your total debt should not exceed 36 percent or 720.00 per month with your new mortgage included. This shows just how important it is to reduce your miscellaneous debt prior to applying for your new loan. This will enable you to afford your dream house that is priced just out of reach. A factor that also must be entered into this equation is the associated costs that go along with your new house. Property taxes, homeowner dues, and house insurance become real monthly debt that you will have to address. Don't forget unexpected maintenance costs with your new house that are sure to spring up too.
This is a good time to reflect on how much savings you have and also it's a good idea to factor a savings percentage into this formula. You will need to have a savings account with at least enough to cover a few months' expenses in the event that you lose your job or become ill. Many experts advise saving 10 percent of your monthly income as a buffer to let you weather any storm that may come. Purchasing a home with little or no savings, coupled with pushing the envelope beyond the 30 percent rule is a sure way to fall into the abyss of foreclosure, so be prepared before you purchase.
Now that you know how much you qualify for why not contemplate on just how much house you really need to be happy. Exercising moderation and temperance regarding the amount you finance may help give you the peace of mind that comes with a smaller payment, along with the ability to pay off your home a bit early too.
Have fun shopping but just remember the rules!
I worked as a Realtor in the Raleigh, Durham fast paced market during the mid 90s and there are more advantages than meet the eye when buying or selling when you have a licensed Realtor by your side. Sellers can often fall into many pitfalls. The biggest one is a lender that lets you think the buyer is on track for the purchase and at the last minute pulls the deal from the buyer. A good real estate agent will follow the progress with the buyer's lender and although he/she will not have all the information certainly will be alerted to red flags by the lender well beforehand. Imagine wasting months thinking that the buyer is all set with the loan and then finding out you don't get to sell your house to him. Many times the seller has repurchased and is in the process of closing on another house so this can really sting!
Now one of the other huge problems a seller can face by trying to reduce his commission costs and avoid a real estate agent is with the home inspections. Often just days before the closing, the buyer has not completed the necessary inspections. Although this seems like just a buyer's problem it turns out to kill the deal all too often. Your realtor will keep an eye on the buyer's realtor and make sure all this happens in a timely fashion. I have seen this situation too many times.
Another thing wrong with the alternative method is not having a realtor to follow up on all the many complex details of the closing. You would think the attorney would be more than able but I found so many times that is was the real estate agent who was on top of things like flood insurance for properties located in flood plains or other bad location problems.
Yes, most sellers do care that the buyer is happy with the deal since they don't want to be sued down the road. The real estate agent sees to this! The real estate agent coordinates all the home inspections with the buyer or his agent so that there are no surprises at the closing. Again the seller can do all this on his/her own but the chances of having a major problem are much higher without professional help. Of course speaking of not using the MLS for coverage, all other data bases like Trulia fall short of the MLS.
This is a time when there are too many pitfalls to do it alone. On the bright side with all this competition many real estate agents are willing to change their commission to accommodate the seller's need, so don't be afraid to barter a bit with your agent. Most agents will be more than happy to work with you and your financial needs. Happy selling!