Hanes No Show Socks

November 14th, 2015
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Hanes Men’s No-Show Socks are completely not what they should be. They obviously don’t know what no-show means, because you can still see the socks. They are too high, even the image they have on their website and product proves they dont understand the concept. No show means, don’t allow the sock to be seen even with low cut shoes.


Online Banks Vs Credit Unions Vs Big Banks

July 26th, 2015
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Which is best financing institution for you? When it comes to selecting the best financing institution, there are many categories to choose from. But the reason entirely depends on the types of banking features and services you want. Below is a breakdown of these financial institutions and the reasons you may want to choose them or avoid them.

Big Banks

Banks are classified into four categories that include regional banks, big banks, direct banks and community banks. The category we are referring here is the Big Banks. This category features the big banking institutions such as Wells Fargo, Citigroup, Bank of America, and JPMorgan Chase. The main reasons why you should choose big banks is convenience and technology. Big banks invest more money in technology (e.g. mobile banking) than online banks and Credit Unions. Their physical presence is widespread in terms of the number of branches and ATMS they have. One issue about big banks is the fee that they charge compared to other financing institutions. They charge higher fees, therefore, referred to by many people as the “banks for rich.”

Credit unions

While Big Banks are profit-oriented, Credit Unions have a non-profit business model. Unlike banks, which are owned by a single person or entity, Credit Unions are owned by several members who enjoy returns in the form of improved financial terms. Members who have Credit Union accounts are also the owners, and they, therefore, enjoy benefits like the higher interest on deposits and lower loan rates. Another feature of Credit Unions in the United States is that they are regulated by National Credit Union Administration (NCUA). If you want personalized banking experience, lower banking fees and improved interest rates on deposits, Credit unions are financing institution to choose. However, one negative feature of Credit Unions is that they don’t invest much money in technology or other features like the way Big Banks do. We also found that members have limited access to ATMS, so they lack some of the conveniences that customers of Big Banks enjoy.

Online banks

Internet-based banks have many benefits than Big Banks and Credit Unions. They are virtually open 24 hours a day, seven days a week. If you need to speak to an actual banker, online banks have an open number that you can call anytime you want. They don’t incur the cost of running a brick and motor branch networks. This is one of the reasons why they offer the best interest rates on deposits and saving. For example, the average savings account interest rate of Big Banks is roughly 0.03% while that of an internet-based savings account is over 1%.

So which is the best financing institution for you?

As I said earlier, the best banking institution entirely depends on the types of banking features and services you want. You may choose higher interest rates offered by online banks, personal touch of credit unions or the convenience offered by Big Banks.

American Cheese

July 10th, 2015
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What You Did Know About Single Sliced Individually Wrapped Cheese

American cheese is a favorite brand of processed cheese manufactured and sold by different companies in the United States. These types of processed cheese are made from a blend of protein concentrates, milk, milk fats and solids, and other fats. Sometimes, they are commonly referred to as “American singles” or “American slices.” The texture and taste of different American cheese vary depending on the percentage of cheese and additives. Also, the color of these cheeses may range from white, yellow to orange depending on the manufacturer.

Usually, processed American cheese comes in three different varieties: small pre-sliced blocks, large blocks and individually wrapped cheese slices. Before this variation, manufacturers were only selling block American cheese. Later, the sliced cheese was invented which many people considered “modern” American cheese.

Single Sliced Individually Wrapped Cheeses-What Are They?

Single sliced individually wrapped cheese, as the name suggest, are single sliced American cheese manufactured and sold by Kraft Foods Group, Inc. Each slice is packaged separately for convenience purpose. These soft, deliciously mild slices are the perfect match for your burger, ham, grilled cheese, and more. If you’d like block cheese altogether, you can go for large blocks American cheese.

Main Features

  • Made from pasteurized cow’s milk
  • Originates from the United States
  • Type: Single sliced individually wrapped cheese
  • Color: Yellow
  • Texture: creamy and smooth
  • Flavor: Creamy, mild
  • Vegetarian: no
  • Producers: Kraft Foods Group, Inc

Ingredients in Single sliced individually wrapped cheese

The main ingredients that manufacture Kraft Single sliced individually wrapped cheese include Milk, Milk Solids (Non Fat), Butter or Cream, Vitamin D3, Salt, Mineral Salts (339, 341), Food Acids (270, 331), Preservative (200), Starter Cultures, Natural Color (160b), Enzymes, 48% Milk Solids.

Why Are Single Sliced Individually Wrapped Cheese So Popular?

Single sliced individually wrapped cheese though criticized for its high sodium and fat content, many people still use them in cooking as they contain a high amount of proteins and calcium. They are also popular because they don’t separate but oozes into a smooth, creamy pool. Their melting and smelling qualities are legendary.

Ask anybody he or she will tell you that processed individually wrapped cheese never go bad because they are nearly plastic. It can be kept forever in the refrigerator for months and still maintain its taste.

What is The Future of Cheese?

If I take you years back in the history lane, after World War II, manufacturers started to embrace technology to produce food. Cheese also tested the then industrial revolution. It came from a factory, and many people liked it because they considered it a high-quality food. Ask any American now and they will tell you that they have a soft spot for cheese. You’re always going to need single sliced cheese for your kid no matter the generation. So the demand for specialized cheese will continue to grow steadily.

USAA – United Services Automobile Association

May 1st, 2015
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The United Services Automobile Association, commonly referred to USAA, is a just another financing umbrella with headquarters based in the USA. This association offers banking and investment opportunities, Life and Auto Insurance coverage and brokerage services to individuals who are affiliated with the US military and other few qualified civilians.

United Services Automobile Association is not BBB accredited. BBB has accredited all major corporations in the U.S. One of the standards for BBB accreditation includes a commitment and willingness to listen to customer’s complaints and effort to solve them. So USAA does not meet meets BBB accreditation standards, and therefore cannot be trusted.

Accreditation aside, USAA is no longer the user-friendly corporation people knew early on. They have quickly developed into a corporate giant, and they have quickly forgotten their roots. This company serves Wall Street instead of serving their members. People who moved their banking to USAA have much to hate about this company than good.

When you file a claim or launch a complaint with USAA customer support, their preventatives always give you a cold, impatient and rude response. There is the lack of proper customer service and USAA customer representatives don’t seem to care. Each time you try to follow up with your ticket, they give a one sentence answer like “we don’t know” or “we can’t promise you when your problem will get solved.” Many USAA members are not happy with responses like these, and they have moved to work with Credit Unions instead.

Many customers have a plethora of complaints about USAA insurance. They complain about the way USAA handles insurance claims. Those who make claims find themselves in a roasting pan. USAA tries to use every dishonorable method and stall tactic to avoid paying the victims. The company doesn’t want to take responsibility for the losses even when it is clear from the police report that the other party was at fault. They victimize the victim, and if you are lucky to get the payment, their payments are not satisfactory. One is left with no choice but to accept the offer. When you turn down their extremely expensive military home insurance, and you choose a cheaper choice, they devise tactics to force you to purchase insurance from them.

USAA has designed dubious means to mint money from their customers. They slap customers with unnecessary penalties and fines for mistakes that they didn’t do. One customer complained about how USAA slapped him with a fine for late fee payment. He had set an automatic insurance payment for monthly payments. He was expecting USAA to deduct the amount from his credit card on every 30th of each month. When he checked his account on 30th, he found that the amount had not been processed. He decided to pay manually to avoid any late fees. When he checked his credit card, he found that USAA had deducted a late fee fine. The customer representatives told him that there was no money on his credit card on 30th of that month, so the fine was justified.

USAA Mortgages and personal loans is a cheat. Their bank increases the interest rate, only to tell you to pay certain amount of money to keep the interest rates down. This current interest rate is cheaper than their original quote, but they want to scam you through hidden fees. They may also process your loan slowly so that the contract and current interest rate lock-in expire. USAA will then ask you to pay a fee to get the interest rate lock extended. USAA will raise the interest rate on you if you fail to pay this fee.

Last but not least, USAA is just another corporation in the United States with low-interest rates. When you open any savings account, you expect the most out of your money. If you are trying to get more interest from your saving account, USAA saving account will disappoint you. There are several credit unions that you can approach to open a high-interest savings account.

American Express Reward Dollars

April 21st, 2015
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Is it me or does American Expres seem to make getting cash back from their Reward Dollars aka Reward Card a little too complicated? They have one of the best reward credit cards out there, but lately the site has been bugging. I’m already logged into the American Express website and to get my cash back, I have to login again? Why? And after I login I have to verify the CVV2 info on the card, then on another screen verify my phone number and email address? Why? I’m logged in already! Not to mention the login fails 2 to 3 times and the checkout for the reward dollars also fails 2 to 3 times before it finally works, all that plus multiple screens and verifications, makes me think, they really don’t want us to use the reward dollars. Either that or the code is coded like crap.