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Eire Insurance is at the top of the list when it comes to the most important characteristic that a home insurance company should have. A superior product for an excellent price is what I expect and it's exactly what Erie gives me. I become annoyed when I see and hear commercials on television and radio for insurance because I know that those companies are spending a portion of the premium their customers pay to make those "cute commercial spots" and try to convince consumers with "games, gimmicks and puppet shows" why they should invest their hard earned money with them. Erie doesn't do that at all which is one reason I love them so much. These other companies offer good commercials but Erie offers exceptional insurance coverage for a reasonable premium. I didn't need any television commercial or print ad nearly 20 years ago when I first became an Erie customer because I knew from word of mouth, from people who had Erie themselves, that Erie is far superior to all of their competitors. Rather than using my premium to produce television spots, Erie uses the premium I pay to provide me with the best insurance coverage their is. Erie also affords me the opportunity to use a local agent who knows my name, my wife's name and who takes the time to understand exactly what we need and want in our insurance coverage. Erie does not try to up sell us on any products but are more than happy to give us professional, accurate information about other products they offer from highly trained employees. In the event that one would need to file a claim, Erie is first class in handling claims promptly, while continuing to provide all of the support that their customers need. I've compare all of the other major insurance companies to the rates I receive with Erie and no one comes close to giving me the exceptional rates which I enjoy with Erie Insurance. Simply put, Erie is the very best there is at what they do!
The Belk Store Card is an okay card with a few decent features. On the plus side, you earn 1 point for every dollar you spend on the car. Every 400 points earns you $10 Belk Reward Dollars. The negatives of the card are 1) there are only 35 exclusive savings days each year and 2) The APR is completely outrageous at 24.49%. Unless you're going to pay off your entire balance each time you receive your statement, you'd be better off using a different method of payment to shop at Belk.
I've had a FirstMerit Bank Reality Savings Account since 2009 and for the past five years I've been very pleased with FirstMerit's performance on this account. The fluctuation of interest rates in our U.S. economy has not been overly friendly to my savings account, however when looking at the performance of a savings account from how well the bank or financial institution performs, one must understand that the bank doesn't control the economy. You must have a FirstMerit checking account to be eligible to open this specific Savings Account and while FirstMerit does not require a specific minimum balance for the Reality Savings Account, there is a minimum $50 deposit in order to open the account. The monthly service charge of $10 is waived when customers have at least five debit or credit transactions per month with their FirstMerit checking account. I choose to take advantage of FirstMerit's online banking, including their mobile phone app to manage all of my accounts as well as their paperless statements which enable me to help the environment. Overall I highly recommend a FirstMerit savings account for anyone looking to do business with a really great bank!
I'd like to be able to tell you that I have a Capital One credit card so I could always give the answer when someone asks, "What's in your wallet?" But the truth is I have a Capital One credit card because I wanted to be with the best there is in the business. Capital One first snagged me as a customer by offering me an awesome rate on my new car loan and when I decided to get a credit card, they again gave me an offer I could not refuse. This credit card is great for establishing credit, building credit or simply maintaining the great credit rating you already have. Capital One's customer support and service is second to none. I had a health emergency in 2012 that severely limited my ability to work and pay my bills and Capital One was extremely sensitive to my situation and worked with me so that I didn't have to miss payments or risk hurting my credit at all. They truly are the credit card company who cares. More recently Capital One has offered me the ability to check my credit score once every 30 days at no cost to me. This is truly a great tool to ensure that there are no surprises on my credit when I apply for a home loan or other credit products as a consumer. I highly recommend Capital One to anyone who truly wants to have the best in their wallet.