分類彙整:USA

Beware of Citibank New Account Bonus promotions

Citibank Promotions:

  • Open a new eligible checking account in the Basic Banking Package during the offer period.
  • Within 30 days of opening your account, deposit $5,000 in New-to-Citibank funds into the new checking account.
  • Maintain a minimum balance of $5,000 for 60 consecutive calendar days.

Citibank has another few type of sign up bonuses.

However, Citibank will never pay the bonus into your account automatically. You will only get this bonus if you are very lucky!

When you check with the Citibank customer service, they reply you that you are disqualified. Or they will reply their promotion team would review and send it in future, but they never send it.

You probably will only get paid when file a complaint to Consumer Financial Protection Bureau or Better Business Bureau.

Google “Citibank bonus promotion complaint” and you will find tones of complaints on this issue.

Things to know about USA ~ 4

1) Ceiling Fan Direction

Forward = Counter Clockwise = Summer mode
Reverse = Clockwise = Winter Mode

Note: Many ceiling fans sold in the US and Canada would follow this rotation guideline, some models designed overseas might not be standard in this regard.

During Winter Heating: To help move warm air that is trapped on the ceiling, blades should turn ‘forward’ in a clockwise motion. This movement will push up the air and pull the warm trapped air down the sides of the room improving heat distribution.

During Hot Summer Weather: To help produce a comfortable breeze or ‘windchill’ that cools the skin, blades should rotate in a ‘reverse’ counter-clockwise motion. The air movement has the same comfortable effect as when you fan yourself with a magazine to get relief from hot, stifling air.

2) America’s Big Four banks: JPMorgan Chase, Bank of America, Citigroup, Wells Fargo.

3) Reverse phone lookup

Check out who is calling you and secure against spammers and scammers.

How to do a reverse phone number lookup without paying a dime

https://www.dailydot.com/debug/reverse-phone-lookup/

4) Use These Top 3 Charity Watchdog Sites Before Donating Money

CharityWatch

https://www.charitywatch.org/home

Charity Navigator

https://www.charitynavigator.org/

BBB Wise Giving Alliance

http://www.give.org/

5) Website to Buy and Sell

Craigslist

https://www.craigslist.org/

Facebook marketplace

https://www.facebook.com/

Things to know about USA ~ 3

1)  Change Your Address with the Postal Service

  • To change your address and forwarded your mail to your new location.
  • You can also temporarily change your mailing address or hold your mail at a post office.

2) Subscribe to informed delivery

USPS.com

https://www.usps.com/

UPS – United States

https://www.ups.com/us/en/Home.page?

3) Get Free Tax Prep Help

https://irs.treasury.gov/freetaxprep/

4) Government employee salary can be lookup

This includes staff in public universities. You can search and lookup their salaries online.

5) Vehicle Sharing system

Electric scooter, bicycle, car

Bird scooter

https://www.bird.co/

Reddy Bikeshare

https://reddybikeshare.socialbicycles.com/

Zip Car

https://www.zipcar.com/getting-started

Things to know about USA ~ 2

1) Hard water vs soft water

Hard water is water that contains an appreciable quantity of dissolved minerals (like calcium and magnesium).

Soft water is treated water in which the only ion is sodium.

Hard water isn’t a health hazard but can be a nuisance within the home. Soap used in hard water combines with the minerals to form sticky soap curd. Some synthetic detergents are less effective in hard water because the active ingredient is partially inactivated by hardness, even though it stays dissolved. Bathing with soap in hard water leaves a film of sticky soap curd on the skin. The film may prevent soil and bacteria from being removed. Soap curd interferes with the return of skin to normal, slightly acid condition and may lead to irritation. Soap curd on hair may make it dull, lifeless and difficult to manage. When doing laundry in hard water, soap curds lodge in fabric during washing to make fabric stiff and rough. Incomplete soil removal from laundry causes graying of white fabric and the loss of brightness in colors. In addition, soap curds can deposit on dishes, bathtubs and showers, and all water and plumbing fixtures.

2) Checking vs saving account

Checking accounts are better for everyday transactions such as purchases, bills, and ATM withdrawals. They typically earn less interest — or none.

Savings accounts are better for storing money and earning interest, and because of that, you have a monthly limit on what you can withdraw.

Further reading:

Best Checking Accounts of 2018 – NerdWallet

https://www.nerdwallet.com/banking/best-checking-accounts

Best Saving Accounts of 2018 – NerdWallet

https://www.nerdwallet.com/banking/best-savings-accounts

3) Street vs. avenue

Street and avenue can be either long or short, narrow or wide depending on where you live. There is no standard definition of street and avenue in the U.S. In some cities, street and avenue are used in a standard manner to indicate direction. This is because around the mid 1800s and before the 1950’s, most cities developed in a planned grid layout, regardless of their location. This was just seen as more modern and efficient – a big breakaway from the “Old World" in Europe where cities were hundreds of years old and the street pattern was somewhat of a big mess. 

However, there is no standard rule for associating a name with a direction. For example:

In Manhattan, avenues run north to south and streets run east to west.

In Seattle, avenues run north-south and streets run east-west.

In North Carolina, avenues run east to west and streets run north to south.

4) CDMA vs GSM

GSM and CDMA are different technologies that phones use to connect. They were both developed in the early nineties for 2G connectivity.

GSM (Global System for Mobile Communication)

GSM is the standard system for most of the world, unless you live in the United States or Russia.

SIM cards are one of the key features of GSM networks. They house your service subscription, network identification, and address book information. The cards are also used to assign time slots to the phone conversation, and moreover, they tell the network what services you have access to. They store your address book, too, along with relative contact information. They can even be used to pass information between phones if a carrier allows it.

CDMA (Code Division Multiple Access)

CDMA is often found in the U.S and Russia.

Phones on CDMA networks do not use SIM cards. Instead, each phone is built specifically to work on that carrier’s network. What does this mean for consumers? For starters, it means that phones are tied to a carrier and their bands, so if you decide to change providers, you’ll have to buy a new phone.

Things to know about USA ~ 1

1) Never drink hot water from the tap

The reason is that hot water dissolves contaminants more quickly than cold water, and many pipes in homes contain lead that can leach into water. And lead can damage the brain and nervous system, especially in young children.

2) Sales tax different from state to state

Across the US, retail sales tax is not added until you pay at the counter. It’s printed on the receipt so you can clearly see how much has been added on. The rate differs from state to state, ranging from 2.9% in Colorado (the nation’s lowest) to 7.25% in California (the nation’s highest).

3) No two states are the same

Cannabis is perfectly legal in Oregon but it’s strictly prohibited in Louisiana.

Nearly 90% of people in Mississippi think religion is important to their lives while less than half of people in Vermont think the same.

The coldest month in Miami, Florida is warmer than the warmest month in San Francisco, California.

4) Imperial system

USA is one of the few countries (with Myanmar and Liberia) that don’t use the metric system. Instead, they use the imperial system inherited from the Brits all those years ago.

one mile is 1.6 km.

one pound is about 453.5 grams.

5) Never forget to tip.

You should tip bartenders, servers or food delivery drivers when they bring you the food or drink.

You should tip the hotel employees who help bring your luggage to your room.

You should tip the hotel housekeepers for cleaning your hotel room.

“A $2-$5 gratuity buys you an incredible amount of goodwill and appreciation.”

In restaurant, tip between 15 to 25 percent of the total bill is normal.

6) Beware of foodborne disease outbreaks

You should beware of E. coli, salmonella, etc outbreak.

Do not eat any romaine lettuce when there is romaine lettuce E. coli outbreak.

Read/Listen/Watch the news and stay informed.

E. coli infection is known to cause stomach cramps, diarrhea, vomiting and fever. The symptoms generally resolve within a week, though some people can develop life-threatening conditions.

When preparing food, follow the CDC’s four steps for preventing the spread of foodborne illness: clean, separate, cook and chill.