Personal Finance

I had a great experience with Quicken! Super easy.

I had a bunch of people calling me from different places and I got so frustrated that I didnt even care if I refinanced or not. But then I got an email from Quicken a few days later so I decided to give them a shot and the guy Matt was so nice and easy to talk to. I had already even shopped rates and fees and Quicken still came in lower. I must have called at least 4 different companies who couldn’t beat them and I felt like they didnt care about what I was looking for. The other companies barely listened to what I said.

My son lives in a city several hundred miles away. He recently lost his wallet which contained his visa buxx card. I immediately set about having it replaced using their ‘express replacement’ option.

Because my son lives far away, I asked to have the fedex sent to his address rather than mine. This is an extra fee I was comfortable with: $20. In order to send the card to a different place I was told to send a fax including my signature, his address, my home phone number and the last four digits of my social. I did so on a wednesday night. I was told the card would arrive in “two to three business days”.

A couple years ago I got a letter from my bank offering a discount for using Liberty Mutual Auto Insurance. They weren’t asking me to switch, just letting me know that because I was a member at the bank, I would get a better rate than others. When I moved to Ohio and Geico first failed to update my address (that I had given them previously) then failed to send me a renewal notice (I didn’t realize they had not updated my contact info until I policy expired because I pay upfront each year) and THEN had the gall to almost double my rate because I had “allowed my insurance to lapse” I knew it was time for a change.

Community America Credit Union is a “member owned” credit union. The ads I heard on the radio when I was shopping for a local bank stated that this means they pay out dividends on a monthly basis rather than quarterly. I’ve always had good service from credit unions, so I decided to look into it.

Are you a Community American?

Most credit unions have strict membership rules. You have to be employed by a certain group/company or you have to live in a certain area or you have to be of a certain profession or some other such nonsense. Granted, there are some restrictions for joining this credit union, but these are fairly easy to meet.

Discover card gives great intro deals, and keeps their customers happy. They have many different cards to choose from, motiva, rewards cards, etc, and they are all great.

Discover was my first credit card, and they started me off with a $2500 credit line. The credit line was high enough to cover my needs, mainly emergencies, but low enough so that even maxed out I could cover the minimum payments.

Customer service speaks to you like they care about you. If you are having problems, they help you the best they can. They are polite, and listen to what you say and do their best to help you.