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I initially got this card to receive airiline miles to use on United when traveling frequently. The bonus points and and perks that came with card were worth it for the first year, and I saved a ton with no baggage fees. Now that I travel less internationally, I fine it is not as worth it to pay the $95 annual fee for the one time a year I travel internationally. There are other reqard programs that are just as good or better and you are not limited to only using United airlines.
We used Liberty Mutual Car Insurance for 5 years and couldn't be happier with the service they provided. The application process was simple, the rates were very reasonable and the customer service reps and agents were always helpful. We luckily did not have to submit more than one claim under the policy, but that claim (for a broken windshield) was handled promptly. We were referred to a Liberty Mutual auto mechanic and they repaired the windshield right away and under the coverage guidelines. I recommend Liberty Mutual for car insurance.
We started using Travelers for Homeowners insurance 3 years ago after moving from NJ to NY. We were referred through Geico, our auto insurance company as they work in partnership. We are paying considerably less for home insurance than with our former company, which I believe is due to the discount through Geico. Their customer service is excellent and they are great about reviewing any changes year to year with the policy when renewing. I have only had to file one claim to date and that process quick and painless. I highly recommend Travelers if you are looking for a new insurance company.
I like my Lord & taylor store card and use it every time I shop at the store. The card came with an initial 15% off my first purchase, which I took full advantage of! Lord & Taylor's always has a sale or promotion going on and as a cardholder, I am always the first to find out about the event and receive coupons in the mail. I have no complaints about the card and find it comparable to the rates I had with my Macy's card.
I highly recommend Chase Total Checking if you are looking to open a new checking account. Their website and online banking feature is very easy to use and accessible. Statements are available online and in the mail and I have always found them to be very accurate. I also use the direct deposit feature, and therefor do not have a monthly surcharge. There are Chase branches located all over the country so it's very easy to find should you need a service such as a replacement card. Their customer service is also very good. I have had Checking accounts with two other major banks and this is by far the easiest Bank to deal with.