Modiac Associates Inc. Review: 2 Stars

In this review of Modiac Associates Inc. we bring to you a an insurance Company that is located on the East Coast. Now that I think about it, this is the first time we have reviewed a company located on the eastern seaboard. It’s something that we have been meaning to do for a while now. WE just wanted to establish a good solid foundation around the West Coast since its where we are based. Modica Associates was established in 1961 and it has been family owned ever since. According to them, their Business Model is unlike our competition. We do not sell a commodity. We provide a service. A service that involves an honest and trustworthy partnership so as to provide our clients with the best value in insurance. I want to buy it, but it honestly just sounds like something every other company out there says. The way a company makes a distinction is not by the promises it makes, but by the quality of the work it puts out. Promises mean absolutely nothing, because at the end of the day it’s all about the money. That goes for any business. Why? Well, because businesses aren’t charity groups. They want your money.


Modica Associates Inc. Review: Services & Distinction

In reviewing Modica Associates Inc., i found that they focus heavily on three different types of insurance. Personal Insurance, Commercial Insurance, and Brownstone Insurance. If you go on there website, there is a section for each one. While I’m sure they can help you with any kind of insurance, they really focus on these core groups. Which is something that I really like to see in a company. It says that they have focus, and their company serves a particular purpose. Unlike most company that say they can help with everything, and you are just so overwhelmed that you don’t even know where to start.

How does  Modica Associates Inc. differ from any old insurance company? Well, like I mentioned before, they offer Brownstone Insurance services. They specialize in insuring the Brick and Brownstone homes typical of South Brooklyn. If you’re even half intelligible, you’ll know that brick brownstone homes are fairly common the East Coast, especially in New York.  This says to me that they are really trying to service a particular community of people. In my opinion, this is the kind of company that you want to be dealing with. A company that is specific to an area, and knows it well. It gives them a greater understanding of the kind of things the community needs. So what are the customers saying?


Modica Associates Inc. Review: Testimonials

In reviewing Modica Associates Inc., I found that most of the testimonials were negative. I know that they’ve recieved praise from websites like, but it simply doesn’t add up. Here’s what folks are saying about Modica Associates Inc. One consumer wrote, “Do not bother with this insurance middleman.
In this digital age there are now websites with smart interfaces that allow you to handle claims and billing directly with the insurer yourself, saving you time and money. If you have a computer, go that route. It will not only save you money, it will save you time, stress, and clear up miscommunications. You might think, as I once did, that having a rep in the neighborhood might be useful when dealing with your insurance company. That dealing with a person face to face would be more expeditious. But that has not been the case with Modica. When a simple billing problem snowballed, this agency made matters worse rather than better by telling me things were taken care of, when they weren’t. It started when I moved. Despite the change of address, renewal notices were coming to the new house while bills were still going to the old house. Late fees were compiling. In the end, to avoid a stain on my credit I had to contact the insurer — Travelers — myself to get the issue resolved. Which they did in exactly five minutes. No more middle man. Next time, I go with the Gekko.”

I’ll be completely honest with you guys. It’s a little disconcerting that the Better Business Bureau is giving A+ ratings to companies that only have one review on-line. On top of that, it’s a negative review. It certainly makes me question what going on at The Better Business Bureau. I’ve seen companies like this with A+ ratings and companies that have many positive reviews with B’s or C’s. Sometimes they are not even considered for ratings. You would be astounded by the amount of companies on their site that haven’t gotten their dues. It sort of makes me think that their sit is being run by a bunch of monkeys. Who knows what’s really going on.


Modiac Associates Inc. Review: Conclusion

Can We Recommend That you use the services offered by Modica Associates Inc.? I’m honestly not entirely sure. I certainly would like, but there’s not enough evidence that would allow me to feel comfortable to make that recommendation. I know that the Better Business Bureau would certainly recommend them. They do so without proper evidence of their credibility. I would say it’s safe to look into this company, but I personally would not use their services. There’s simply not enough credibility. Plus, it’s New York. You can find a company that will probably be able to help you in the same way that Modica Associates Inc. would have.  In this review of Modica Associates Inc., the CFRB gives this company 2 stars simply because we can’t seem to pinpoint anything regarding this company. Approach at your own risk. Check our resources page for a list of trusted companies, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies. Check our site for other  Financial Planning reviews. its great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there.



Miracle Financial Services, Inc. Review: 3 Stars

In this review of Miracle Financial Services, we bring to you a company located here in California. Miracle Financial Services, Inc. is a locally owned and operated full-service mortgage broker based in central Indiana. With their company headquarters conveniently located at 7007 Graham Rd  Suite 102, Indianapolis, IN 46220 (near the intersection of 71st Street and Binford Boulevard), They proudly try to serve all 92 counties in the great state of Indiana. Trying to serve 92 counties is quite an ambitious effort for one company. It is an effort that must be commended. Most companies find sort of sweet spot where they have seen much success, and fear moving out of their comfort zone. For them, the possibility of greater glory is nothing compared to the crippling fear of losing it all. A fear that is understandable to some degree. Many companies have attempted to grasp the glory, and have fallen short of it. Though, if your desire is to find success in the world of business, you must be willing to take risks every once in a while. This is an understanding that Miracle Financial Services, Inc. seems to have. So far, it has seems to have payed off.

Miracle Financial Services, Inc. Review: Services Offered

In regards to the services that are offered, it’s all pretty straight forward. If I am being completely honest here, there’s nothing special about most of these companies. None of them offer any service that the other doesn’t. The only thing they really can differ in is perhaps their ability to offer the services. Maybe one will offer a deal of some sort that the others don’t. It’s all just a game of who’s better than who. That’s all business really is. If there was a company that offered a brand new service, then they would have no competitors. In Reviewing Miracle Financial Services, Inc., I found that they “specialize” in a number of different loan types. The first being FHA.The Federal Housing Administration, generally known as “FHA“, provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. The second being VA loans. A VA loan is a mortgage loan made available to veterans of the United States Armed Forces to facilitate the purchase of a home. A VA loan is issued by a traditional lender and backed, in part, by the US Department of Veterans Affairs. Along with these two, they can help you with conventional & non-conventional loans. They claim to even be able to assist you with commercial loans.

In reviewing, Miracle Financial Services, Inc., I found it remarkably difficult to find them online. Then once I did find their website, I thought I had reached a spam page of some kind. It was very all over the place and basic. Then I realized it was just a cover page for their website. That made it very confusing. Nobody really uses cover pages anymore. When they do use them, they make them look like they are actually part of the website. The website itself was sort of under par in my opinion. Lacking in much-needed information, and not easy to navigate. It just made me want to leave and go find a company that seemed more credible. Saying that is honestly sort of heart breaking. If you check the Better Business Bureau, this company is rated an A+. Credibility should be the last thing people are afraid of with this company. Something I always say, is that in order for you succeed in the world of today, you must have a strong web presence.


Miracle Financial Services, Inc. Review: Consumer Testimonial

In reviewing Miracle Financial Services, Inc., I was unable to find any positive reviews for some reason. So here are some negative reviews. One Consumer wrote, “I kept receiving calls from Miracle Financial asking for another person. They would call me at all hours of the day. I had just changed my number, so I am guessing whoever had my new number last was the person they were attempting to call. I called back for the first time about a month ago and also spoke to Wendell. He was very respectful, and although he asked me to provide information that I told him I simply would not give him, like my current address, he promised me that my number was removed from the system.Today, I received another call from Miracle Financial while at work. Upon returning their call for the second time, I was transferred to the same Lisa immediately without even saying a word. She was very condescending and rude right away. I told her I was not the person she was attempting to call and that I had called before and asked to have my number removed by Wendell. She argued that I had not in fact called. Why would I lie about calling? How would she even know if I had not talked to her?”


Miracle Financial Services, Inc. Review: Conclusion

I am sort of torn in my decision. Miracle Financial Services, Inc. seems to be a stand up company, but then I hear things about how people are treated, and I can’t find any positive feed back. I guess for now, I will say consider them, and don’t count them out. At the same time, remain vigilant. Keep your eyes peeled for things that they might not want you to see. Things that might come back to bite you in the behind. You won’t really get to know a company until you venture into its belly. The ads you see are not a good representation of the company itself. Ads just try to get you in door. In this review of Miracle Financial Services, Inc., the CFRB gives this company 3 stars. Check our resources page for a list of trusted companies, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies. Check our site for other  Financial Planning reviews. its great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there.