My marketplace philosophy is to choose a provider or vendor, respect their efforts, appreciate their products or services, and, when the product serves my purposes and the service is responsive and effective,  stay with them despite lower cost offers for the same or similar products and services.   At times I have wondered if my approach, staying with a company out of loyalty of quality and responsiveness, is old fashioned or foolish in this marketplace of discount and price competition.  My suspicion is that fishing for the lowest price for any product or service, while appearing to be a ‘bargain’, is in fact a marathon to the bottom for our economy as a whole.  While I dilute my buying power with loyalty, I also concentrate my personal integrity, knowing that I am supporting my fellow humans with fair wages and benefits.  I also experience a reduction in hassle.  When people are rewarded  fairly for their efforts they are generally happier and more apt to invest themselves in their work.  Philosophy and doubts aside, in the past week I have experienced unanticipated rewards for loyalty.

We refinanced our home twice in the past three years with Marc Demetriou of RH Funding as interest rates sank.  After the last refi I swore off doing it again, even if the rates dropped further.  While refinancing saves money in the long run it comes with a significant upfront cost.  On Thursday last I received an email from Marc informing me that the rates were at all time lows and was I interested in refinancing at no cost.  NO COST.  What?  Did I read that correctly?  So I wrote back, asked what our new monthly payment would be and did I read it right that there was NO COST?  What did he mean by NO COST?  He clarified that there would be absolutely no cost for his customers to refinance at this time.  No cost and no gimmick.  His shared that his year was great, he had accumulated a significant amount of credit from the banks he’d worked with, and was passing those credits on to his repeat customers as a thank you for their business.  My application is in.  Should it be accepted it will allow us increased financial flexibility. Honestly, I did not think that offers like this happened.

Today while I was futzing around with Facebook for the first time I received a call from Cablevision.   They were thanking me for being a loyal customer for the past many years and wanted to know if there was anything they could do for us.  Hmmm.  “We’re OK” I thought.  I shared that I tend to be a loyal customer and told the woman that we  have stayed with Cablevision although I regularly get offers from Verizon that are considerable lower that what I am currently paying, at least for the first year.  She asked me to hold on while she checked what she could do for me.  I hadn’t asked for anything.  When she returned she had arranged a promotion saving us $600 in 2013, after which charges would return to the 2012 level.  I thought this remarkable.  I appreciate it immensely.  How lovely!

Lastly, and more about store loyalty to customer than customer loyalty, my daughter purchased a down coat from Burberry six years ago.  During the second season she wore it she noticed that the fabric on the sleeves was wearing unevenly and quite differently from the rest of the coat.  When she showed the wear to the store they immediately apologized and replaced the coat.  Two years later, the new coat showed an odd pattern of wear.  Again, an apology was offered, as well as a second replacement coat.  My daughter lives in India now and has no need for a winter coat so here we are, six years after the original purchase, and I am appreciating the warmth and styling of this wonderful coat which keeps me toasty.  It doesn’t seem to be wearing at all!
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It is said that we pay to play.  Perhaps the price we pay, otherwise stated as the investment we make in people, places, and things, determines the quality of the play.  Investing in the companies and individuals that serve us well by giving fairly for what we receive may ultimately be the optimal route to the greatest satisfaction for all involved.  I choose to consider my spending as investing in the products and services that aide my life and the people that make it  possible.  That’s system loyalty and it’s rewarding, in the marketplace and beyond!