VITASOY TVC (NIGERIA) – All you need in Rich Soya Protein

Sonia Foods Industries makers of rich soy protein drink Vitasoy Soya Milk TVC with an up-tempo jingle for the fast selling brand.

This content was originally published here.

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February 2020 restaurant inspections in Livingston County

February 2020 restaurant inspections in Livingston County

Jennifer Timar
Livingston Daily
Published 6:30 AM EST Mar 3, 2020

Of the Livingston County restaurants inspected in February 2020, priority and priority foundation violations were found at 29 locations. 

Each month, the Livingston County Health Department inspects some businesses and schools that serve food. 

The Livingston Daily publishes reports on the most serious violations — ones that could lead to contamination of food or increase the risk of transmitting a foodborne illness — as well as corrective measures taken.

Four priority violations were found at:

Hartland Sports Center

2755 Arena Drive, Hartland Township

There were three spray bottles not labeled as to their contents. The person in charge labeled the bottles properly at the time of the inspection. There was no soap at the hand sink. Soap was available upon the inspector’s return. There were no paper towels at the hand sink. A new shelf was not allowing staff to open the dispenser and refill. Upon the inspector’s return, there was a dispenser available and paper towels were stocked in the dispenser. There was no chlorine test kit available. The facility decided to use quaternary sanitizer instead.

Horseshoe Lounge

10100 W. Grand River Ave., Fowlerville

The dish machine was not dispensing the proper amount of sanitizer. It was suspected that the product was expired. A new container of sanitizer was added and proper sanitizer concentrations were restored. The hand sink in the main kitchen was soiled with food residue. Coleslaw and ranch dressing prepared on Feb. 3 were labeled with a discard date of Feb. 20. Foods that are time and temperature controlled for safety cannot be held more than seven days. A proper discard date label was attached at the time of the inspection. No detergent was being dispensed in the dish machine because the container was empty. A new detergent container was added at the time of the inspection.

RELATED: 15 most common restaurant violations in Livingston County

Three priority violations were found at:

440 W. Main Street, Brighton

A pan of cooked chicken wings was holding at 50 degrees in the grill line prep cooler. A container of coleslaw was holding at 46 degrees. Upon further investigation, other items were also holding in the 41-to-50 degree range. All refrigeration equipment was working properly. It was suspected that the food items were left out at room temperature during the prep process. Some of the items are transferred from the basement walk-in unit on rolling carts. Those items may have been sitting on the cart for an extended period of time at room temperature. A tall plastic container of grits was cooling in an ice bath. The product was placed into an ice bath approximately 20 minutes earlier and was still approximately 200 degrees. The grits were transferred to a large shallow metal pan for proper cooling. Short ribs prepared two days prior to the inspection were cooled in a deep pan. No temperature violations were confirmed, but this method will not likely ensure proper cooling. Two refillable spray bottles containing cleaning chemicals were not labeled. The bottles were labeled at the time of inspection.

An infographic shows proper temperatures food should be held at to minimize the risk of foodborne illness.
Livingston County Health Department

Great Lakes Family Restaurant

963 S. Grand Ave., Fowlerville

Home-prepared foods were being stored in the walk-in cooler. The items included several 5-gallon buckets of cut tomatoes in a vinegar solution, which were prepared by a family member. The items were removed at the time of inspection. A pie cooler was holding food at 50 degrees. Cream pies and cheesecake were discarded. The pie cooler has been taken out of service and a new unit was ordered. Cream pies are now stored in another unit. A refillable spray bottle containing a chemical degreasing solution did not have a label. Proper chemical labeling was observed upon the inspector’s return.

Jimmy John’s

1504 Lawson Drive, Howell

An employee touched the computer ordering screen while wearing food handling gloves. They returned to prep food without changing the glove. Several employees did not wash their hands before wearing new food handling gloves. Both hand sinks were blocked by equipment. One hand sink was being used to store a water pitcher for the bread-making equipment. The other hand sink contained a sanitizer bottle.  The items were removed at the time of the inspection.

8515 W. Grand River Ave., Brighton

There were multiple employees improperly washing their hands. One employee washed their hands less than the required time and proceeded to use their pants to dry their hands. Another employee washed their hands less than the required time and did not dry their hands. Multiple employees changed soiled gloves but did not wash their hands properly as there were no paper towels to be found at any of the hand sinks in the kitchen. There was shredded lettuce on the line without time stamps. There were no paper towels at either hand sink in the kitchen. An employee was sent to the store during the inspection.

Mimi’s Diner

5589 E. M-36, Pinckney

There was rice in the steam table that had been placed there about an hour and 45 minutes prior. It was at 120 degrees. The steam table should not be used to reheat foods because it takes too long. It was reheated properly to over 165 degrees in the microwave oven and placed back into the steam table. The chlorine sanitizer concentration in the dish machine was too high. It was adjusted. Foods were being improperly cooled in the walk-in cooler. Mashed potatoes and rice were in containers 6-to-8 inches deep with the plastic wrap slightly uncovered on the edge. The rice was already cold, but the potatoes had been placed there an hour and half before and were at 100 degrees. They were moved to uncovered shallow pans. Sausage patties were being cooled in a covered shallow pan and were at 67 degrees. The cover was removed so that the heat was not trapped in. 

Old Hickory Bar

7071 Bennett Lake Road, Fenton

The cooler next to the fryer was holding food at 49 degrees. Deli meat, sliced tomatoes, burger patties and dressing were discarded. Upon the inspector’s return, there were no items in the cooler at time of inspection, but the ambient air read a proper 40 degrees. The in-use knives and utensils were being switched out every shift, which is typically eight hours. The in-use utensils that are in contact with food that is time and temperature controlled for safety need to be washed, rinsed and sanitized at least every four hours. Raw beef was stored in the walk-in cooler above bottled drinks. It was moved away from ready-to-eat food.

MORE: Chiropractic, massage clinic opens on Cleary campus

MORE: Brighton bakery to be featured on Home Shopping Network

Two priority violations were found at:

Jersey Giant Subs

3813 Tractor Drive, Howell

Tomatoes and lettuce had been put out at 11 a.m. and 1 p.m., respectively, but were not marked to indicate the time they were removed from the cooler and the time they must be discarded (4 hours later). They were marked during the inspection. The hand sink in the dish-washing area was blocked by buckets and a cart. They were moved.

Jets Pizza

120 W. Highland Road, Suite 800, Howell

A couple a bottles of cleaner were stored on the prep table near food. They were moved to the chemical storage room. Always store chemicals away from food and clean equipment. There were a couple spray bottles of sanitizer missing labels. They were labeled during the inspection.

Mary’s Fabulous Chicken & Fish

2429 E. Grand River Ave., Howell

A cook came into work, took an order, put food handling gloves on and made the food without washing his hands first. He washes his hands. Several onions in a bin in the walk-in cooler had white mold growth. All of the onions were discarded.

Snappers on the Water

6484 Bennett Lake Road, Fenton

There was a container of moldy food dated from December. It was discarded. There were some cans that were leaky and rusted. They were set aside to be returned.

St. John Catholic Church

2099 Hacker Road, Howell

The two-door cooler in the kitchen is holding food at 60 to 65 degrees. Sour cream, yogurt, milk and sauerkraut with sausage were discarded. There was a large pot of tomato sauce that was improperly cooled in a large container in the cooler. The cooler was broken. The sauce was at the same temperature as everything else (60 to 65 degrees). It was discarded.

Tubby’s Sub Shop

9912 E. Grand River Ave., Ste 500, Brighton

A food handler used gloves that touched raw meat to begin to assemble ready-to-eat sandwich ingredients. She was stopped and told that she must wash her hands and put a new pair of gloves on before touching ready-to eat food. She washed her hands and donned a new pair of gloves. The solution used to wipe down the cutting board contained too much chlorine. Water was added.

One priority violation was found at:

3949 W. Grand River Ave., Howell

A dicer in the cleaned dish area contained food particles. It was cleaned.

Brighton Coffeehouse and Theater

306 W. Main Street, Brighton

The automatic dish machine was calibrated for chlorine sanitizer, but the unit contained quaternary sanitizer. It resulted in sanitizer concentrations that were too weak. The quaternary sanitizer was removed and replaced with proper chlorine sanitizer. Proper sanitizer levels were restored.

Buffalo Wild Wings

9745 Village Place Blvd., Brighton

Foods in a prep cooler were holding 50 degrees in the upper compartment and 45 degrees in the lower compartment. Large metal containers of ranch and blue cheese dressings were holding at 50 degrees. The products were stored on ice, but the amount of ice was not adequate. Ranch and blue cheese dressings, cut tomatoes, cut lettuce, salsa and dairy products were discarded. Upon the inspector’s return, the cooler was repaired and a larger, taller ice bath was being used to hold dressings. 

Community Congregational U.C.C.

125 E. Unadilla Street, Pinckney

The dish machine was out of chlorine sanitizer. The container was tipped to the side to make sure that the machine was pulling the sanitizer, which it was. The bleach will be replaced before the next event.

Emagine Theater

10495 Hartland Square Road, Hartland Township

The dish machine was getting stuck in a cycle where it did not activate the hot water sanitizing cycle. It was repaired.

Hungry Howies

2560 E. Grand River Ave., Howell

An open container of grilled cooked chicken and sausage had a use-by date that had passed. It was discarded.

Jimmy John’s

750 W. Grand River Ave., Brighton

The facility uses both chlorine and quaternary sanitizers. However, only quaternary test strips were available. Chlorine test strips were purchased.

Mt. Brighton Resort

4141 Bauer Road, Brighton

No paper towels were available at the hand sink at Bruin’s Bar. Towels were provided at the time of inspection.

6995 W. Grand River Ave., Brighton

Hot dogs in a reach cooler were kept past their use-by date. They were discarded.

Stout Irish Pub

125 E. Grand River Ave., Brighton

Cooked cabbage, cooked pasta noodles and house-made pizza sauce were expired. The items were discarded.

Sunrise Family Diner

2375 E. Grand River Ave., Howell

A line cook cracked eggs, changed food handling gloves and put a new pair of gloves on before touching ready-to-eat food without washing their hands. 

Sushi Zen

114 W. Grand River Ave., Brighton

A staff member touched dirty dishes while loading them into the dish machine. He began to put clean dishes away without washing his hands.

Wendy’s

1022 S. Michigan Ave., Howell

An employee with painted fingernails was performing food-related tasks such as scooping fries without gloves on. 

Whispering Pines Golf Club

2500 Whispering Pines Drive, Pinckney

The interior of the ice machine had some mold growth. During the golf season it is routinely cleaned, but the club had not been open for a while. 

Wong Express House

9912 E. Grand River Ave., Brighton

A slicer had an accumulation of dried food on the back of the blade. It was taken apart to be cleaned. Grease accumulation was found in between and around equipment.

READ MORE LIVINGSTON COUNTY RESTAURANT INSPECTIONS:

Contact Livingston Daily reporter Jennifer Timar at 517-548-7148 or at jtimar@livingstondaily.com. Follow her on Facebook @Jennifer.Timar99 and Twitter @JenTimar99.

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Woman who married in 1984 gives birth to first child | P.M. News

person couch

Mr Christopher Osiebo and wife Dorcas with baby Emmanuel (The Nation)

A 58-year-old woman, Mrs Dorcas Osiebo, who stopped menstruating in 2006 without a trace of pregnancy, has been delivered of a baby boy.

Dorcas, who delivered the baby on 13 Dec in Abuja, said that she was confused and excited when her Pastor’s wife, a nurse confirmed her pregnancy.

“She (nurse) looked at my face and said, ‘Mummy, to God be the glory, you are pregnant”. I was very surprised”.

Dorcas got married to Mr Christopher Osiebo, now 64 years old, with both hoping to have a child in their 35-year-old union.

“But early this year (2019), I just felt in my body as if I was pregnant, but I thought how can that be especially when I have not seen my period since 2006,” she said.

“I got married in January 1984, but there was no child at all; people who got married the same year with us have children; even my immediate younger sister has grand-children,” Dorcas said.

She said they sought help from both the traditional and orthodox medical practices but there was no respite.

According to her, she entered menopause in 2006, and her younger sister, who got married after her, is already a grandmother.

“I drank a lot of concoctions (herbal mixtures) in my effort to get pregnant.

“One of the concoctions, I cannot withstand the smell; to drink it; I will block my nose, and close my eyes before I can drink it.

“I did all these to make things better for me but nothing good came out of it,” she said.

“We have gone to many places and hospitals that we cannot even number them all. In 2006, my husband took me for scanning at a hospital in Jos and obstruction was discovered (not fibroid).

“An operation was carried out at the hospital and I came back home but no solution, rather, since the operation was carried out, I didn’t see my period again.

“When I told my husband, he didn’t believe I was pregnant. But I discovered that I no longer like to eat my best foods and my clothes no longer size me,” she explained.

While her period of waiting for a child lasted, she said: “None of my in-laws disturbed me. My late father-in-law did not disturb me, although he once asked why we were just folding our arms and doing nothing about the situation.

“We then told him that we were not folding our arms but trying our best, but that the thing never worked out.

“But I and my husband were worried. My husband is the firstborn of his father and I am the first of mine also.

“We have younger ones who already have good number of children but it is only us that did not have children of our own. Whenever we remembered all these, we were not happy,” she said.

However, Mr Osiebo said after a long period of marriage and prayer without a child he decided to depend on God for a miracle.

“But by the grace of God today, a baby boy has entered this family; that is the cause of my joy. I am very happy, thank God,” said the excited husband.

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Who Is Alexandra Grant? – Meet Keanu Reeves’ Artist Girlfriend

person

For the first time in over a decade, Keanu Reeves made a major red carpet debut with a date. Reeves took Alexandra Grant to the LACMA Art + Film Gala on November 2. They walked the red carpet holding hands, sparking romance rumors. Neither Reeves nor his rep have confirmed whether or not the actor is dating Grant yet.

Stefanie KeenanGetty Images

Grant isn’t a new presence in Reeves’ life though; she’s been there for years. And this isn’t the first time he held her hand on a red carpet either this year.

Here, what to know about Reeves’ rumored new girlfriend.

Reeves and Grant have been friends since at least 2011.

Their first project together was published then. Grant illustrated Reeves’ book Ode to Happiness.

Grant is a 46-year-old artist who has worked with Reeves on multiple projects.

People notes that Grant illustrated two books that Reeves wrote: his 2011 book Ode to Happiness and his 2016 book Shadows. They also founded a publishing company together, X Artists’ Books in 2017.

According to the company’s site, “XAB is a small publisher of thoughtful, high-quality, artist-centered books that fit within and between genres. Our books are works of art; portals to imagined worlds; treasured companions; the fabric of a community. We love the same things about our books as we do about our friends: generosity, open-heartedness, intelligence, mystery, style. They bring sustenance and shift realities. They may occasionally break your heart.”

Grant and Reeves have gone to multiple red carpet events this year.

In June, the two attended Saint Laurent’s fashion show together, and they held hands(!!):

Neilson BarnardGetty Images

In May, they attended the MOCA Benefit:

Rachel LunaGetty Images

The two made their event debut as friends in 2016.

Reeves and Grant were first photographed together at the UNAIDS Galaat Design Miami/Basel in Switzerland.

David M. BenettGetty Images

Reeves and Grant were photographed out on a possible dinner date in October.

According to People, the two were photographed at Giorgio Baldi last month. They “arrived together in Reeve’s Porsche and spent three hours inside the restaurant conversing and sharing a meal.” They left together.

Grant can officiate weddings.

As People pointed out, the artist shared photos of her Instagram showing herself presiding over her friend’s ceremony in Brooklyn.

A post shared by Alexandra Grant (@grantalexandra) on

A post shared by Alexandra Grant (@grantalexandra) on

Grant is based in Los Angeles but has lived in four different countries.

On her artist site’s bio, Grant wrote that her living abroad in Mexico, France, and Spain in her childhood and adolescence has strongly inspired her language-based work. Per her bio, “Some of the basic questions that fuel her practice are: How do the languages we speak and the images we see form how we think and exchange ideas? How can artists and writers work to create and influence culture in an increasingly technology-driven world?”

She told LA Weekly in May, of why she lives in that city, “I grew up in part in Mexico City, Washington, DC, and Paris, moving between languages and cultures. Los Angeles felt like home from the moment I first arrived in 1995, especially the diversity of people, idioms, foods, and plants (like jacaranda and bougainvillea). There’s an incredible work ethic here—many people are creative and entrepreneurial. Having friends who are working hard practicing their crafts—whether it’s set design, publishing, or acting—is very inspiring.”

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Border Closure: Nigerians Starve To Death As Food Prices Nearly Double – NewsRescue.com

person chair dining table

Nigerians recently have been lamenting as the prices of commodities skyrockets due to closure of the Nigerian borders.

Food items such as rice, frozen foods and other commodities continue to an increase of up to 75%.

According to traders in major markets, the action is punitive because a lot of them who are doing legitimate businesses now have their containers stranded at the border.

Nigerians are feeling the pangs of the border closure as the price of a bag of rice that was sold around N12,000 to N15,000 before now sells around N28,000. Also, a carton of frozen food (orobo chicken) that sold before at the rate of N8,000 to N10,000 now sells for N13,000 to 15,000.

To Nigerians, these foods are essential to their survival because they are consumed in large quantities which necessitated their large importation.

A rice retailer, Mr.Uchenna at Ikotun market in Lagos, lamented the absence of locally produced rice which was the reason why borders were shut, adding that they were not available.

“We have been battling with the price because since the borders were shut the price kept increasing”.

Mr.Ernest said the pains that arose from border closure were much than what the citizens could afford.

He said “Government should have considered making the alternatives in abundance before closing the border which has resulted in cutting off food supply.

He went further by saying, “the claims that we are rice sufficient have been defeated because after the border closure, not only do we have shortage in supply but the prices of locally produced rice have gone up.

“If we are self-sufficient in rice production as claimed, we should by now be exporting the product to other countries”.

A major supplier of frozen food, Mama B, said, “To be frank, frozen foods are scarce in the market now. Only a few of us that have it in stock increase the prices, so, maybe some customers don’t have a choice but to buy”.

Read more at: https://www.vanguardngr.com/2019/10/nigerians-lament-as-prices-of-food-items-increase/

The views expressed in this article belong to the author and do not necessarily reflect the editorial policy of NewsRescue

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Not to be underestimated: Bank of America Premium Rewards credit card review


If you qualify for Bank of America Preferred Rewards, the Bank of America®️ Premium Rewards®️ Visa®️ credit card has the potential to be quite a lucrative card to use on everyday spending. For those who prefer other banks, there are better earning travel cards available. Card Rating*: ⭐⭐⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

I’ll be honest. I haven’t always been a fan of Bank of America credit cards. Though affordable with low or nonexistent annual fees, most lacked the perks that I’ve always associated with my favorite cards. However, the more familiar I get with the Preferred Banking Rewards program (and the more useful fixed-value points currencies become), the more I see the benefits of having a Bank of America card.

This card isn’t like other products that have $450 annual fees and a ton of perks; this card has a modest $95 annual fee and a more modest selection of benefits. Still, it offers great flexibility in redeeming points and yields extraordinary earn rates if you can maximize BofA’s Preferred Banking Rewards program.

In This Post

Who is this card for?

The Premium Rewards credit card has wide appeal to both points fans and credit card novices. It might not have the most lucrative points or numerous transfer partners, but what it does offer is flexibility.

I think of it as a stress-free travel card, since points are worth 1 cent apiece no matter what you redeem them for — you don’t have to worry about getting the maximum value out of every point, which can sometimes be time-consuming and frustrating.

If you like the idea of redeeming your points as a statement credit against big purchases that aren’t covered by points — such as new luggage or a TV — then this would be the card to get. You can redeem points for any purchase, whether it’s a flight, a new car or an over-the-top dinner. The points function essentially like cash.

The Premium Rewards card is also a strong option for those who tend to spend in broad bonus categories like travel and dining (2x and up with this card), but who also want solid rewards (1.5x and up) for non-category bonus spend.

The earning rate is even better if you’re already a Bank of America customer and can maximize the Preferred Rewards Program (more on that later).

It’s also a great choice for semi-frequent travelers since it comes with valuable perks like an up to $100 Global Entry/TSA PreCheck credit, an up to $100 airline credit, trip delay/cancellation insurance, baggage loss/delay insurance and no foreign transaction fees, so you won’t be hit with any surprise charges when using your card abroad.

Further reading: Is the Bank of America Premium Rewards card worth the $95 annual fee? 

Modest but valuable welcome bonus

With the Premium Rewards card, you’ll receive 50,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening. These points have a fixed value of 1 cent each, meaning that 50,000 points are worth $500. This far from the most lucrative bonus out there, but $500 can go a long way towards airfare, hotel costs or anything in between.

When you consider that BofA is essentially paying you $5 every year (after you redeem the up to $100 airline credit) to have this card, you’re basically getting $500 for free just for signing up and meeting the minimum spend. Use the sign-up bonus to treat yourself to something extravagant, like a helicopter or private jet ride on Blade.

The sign-up bonus alone is worth enough to get me 2.5 trips on Blade Bounce in NYC. (Photo by Blade)

While Bank of America doesn’t have any published restrictions that apply specifically to earning welcome bonuses, remember that it does have a 2/3/4 rule when it comes to card applications. You can only get approved for two Bank of America cards in a two-month period, three cards in a 12-month period and four cards in a 24-month period.

There have also been recent reports of a threshold similar to Chase’s 5/24 rule that limits how many cards across issuers you can get within a year in order to be approved for a new BoA card, though the exact threshold is uncertain and Bank of America has not confirmed the existence of a set policy.

Perks and benefits

While the Premium Rewards card doesn’t hold a candle to top-tier cards like The Platinum Card® from American Express, it does come with a nice set of perks for the low annual fee — a lot more than basically any other mid-tier card out there. Here are my favorite perks and their value:

$100 airline incidental credit. This credit works like the Amex airline fee credit in that you can only use it for purchases such as seat upgrades, baggage fees, in-flight services and lounge fees (though not airfare). You receive the credit every year and if you’re able to use the full amount, you’re essentially getting paid $5 a year to be a cardholder. Unfortunately, it’s not as flexible as the Chase Sapphire Reserve’s travel credit or the Citi Prestige’s air travel credit, but it’s still a great benefit for someone who travels a few times a year. It only works on certain domestic airlines but it’s processed automatically, so you don’t have to call in and apply it to a certain purchase.

Global Entry. I love having Global Entry — it’s saved me from standing in countless hours of security and customs lines. Premium Rewards cardmembers get an up to $100 credit (every four years) that can be applied toward purchasing Global Entry or TSA PreCheck. It’s surprising that this card offers a Global Entry credit, as that’s usually only offered by top-tier rewards cards with higher annual fees (although the Capital One® Venture® Rewards Credit Card is another mid-tier card that offers this benefit). And if you’re already part of the program, you can still use the credit for a friend or family member’s application.

Trip insurance. It’s always important to have trip insurance since you never know when your travel plans will go awry. This card provides reimbursement of up to $5,000 per person, per trip, for any unused, prepaid, non-refundable travel expenses including passenger fares, tours and hotels if you have to cancel due to a covered reason. And if your flight is delayed for more than 12 hours, you’re eligible for reimbursement of $500 in expenses per ticket. With many issuers ditching trip insurance, this benefit continues to be a compelling reason to use this card to book travel.

Baggage delay/loss insurance: Similar to trip insurance, you’ll be eligible for protection if your baggage is lost, stolen or damaged. This provides up to $100 per day (up to five days) when your bag is delayed for more than six hours. If your luggage is stolen or lost by a travel provider, you’ll be eligible for reimbursement for the contents of the bag.

IMG-Away-Luggage
If your bag is lost, stolen or damaged, the card’s protection plan will help pay to replace all of your items. (Photo courtesy of Away)

Purchase protection. I’ve used purchased protection many times and it’s saved me thousands of dollars over the last year — Amex paid me $1,400 for a broken watch and my Sapphire Reserve reimbursed me $2,600 for a painting that was damaged in transit. You’ll get similar protection with the Premium Rewards card, which will repair, replace or reimburse you up to $10,000 for lost or damaged items purchased on the card. If you want to return an item within 90 days of purchase but the retailer won’t accept the return, you can submit your receipt and be reimbursed up to $250 (up to $1,000 annually).

Rental car insurance. Last, this card will give you secondary coverage when renting a car — meaning it will kick in only after you’ve filed a claim with your personal insurance. While not as good as many of Chase’s cards that offer primary coverage, it’s pretty good for a no-annual fee card (after maximizing the airline credit).

Further reading: Reasons to get the Bank of America Premium Rewards card

Earn points

With this card, you’re earning 2x points on travel and dining and 1.5x point on everything else. Travel and dining are defined broadly, meaning there are a lot of expenses that can qualify for double points. The real value for me personally is the 1.5x on everyday spending. As a member of the Preferred Rewards program, you can earn up an impressive 2.625x on non-bonus spending. That’s higher than any flat-rate card out there.

The Premium Rewards card doesn’t earn traditional points or miles that can be transferred and redeemed with travel partners but rather acts more like a cash-back card with huge earning potential. I honestly never thought I’d be thinking about cash back, but as airlines have devalued frequent flyer programs, the idea seems more appealing.

Although we value most airline miles at more than 1 cent each, that’s mainly based on being able to find premium cabin saver seats. With it becoming harder and harder to get good value out of points and miles, that’s where this card can come in handy.

As I mentioned earlier, points are flexible with the Premium Rewards card; you can use them on anything — airlines, the gym, etc. — essentially anywhere that accepts Visa. Your points can go toward paying for those purchases (as a statement credit) and the credit posts automatically.

(Photo by Summer Hull/The Points Guy)
With the Premium Rewards card, you can earn up to 3.5x on hotel stays — including getaways to the W Aspen Hotel pictured here. (Photo by Summer Hull/The Points Guy)

Further reading: How I earned and redeemed with BoA Premium Rewards 

Redeem points

Another thing I like about this card is that it’s zero stress and consumes very little time. You don’t need to jump through hoops to find award availability and you don’t have to go to a specific portal if you want to use your points to pay for your gym. Since points are worth the same no matter what you redeem for, you’re not penalized for redeeming for cash back. You just redeem for whatever you want.

There a few ways to redeem points:

  • Cash back — You can receive cash back as a statement credit or deposit it into an eligible BofA checking or savings, Merrill or 529 college savings account
  • Travel purchases — You can book flights directly through the BofA travel portal. This is a good way to redeem points because you’ll still be eligible to earn award miles and elite credits by flying on a paid ticket (although personally I’d recommend buying directly from the carrier because sometimes when buying through a travel portal you’ll get a lower fare class).
  • Gift cards — A final option allows for converting points into gift cards at popular merchants such as Amazon, Whole Foods and Starbucks. I wouldn’t plan on going this route since it’d be smarter to just purchase the items and redeem your points as a statement credit in case you have to return the item.

I especially love that you can convert points directly into cash that can go straight into a 529 college savings account. Last year, I converted the points from my sign-up bonus and deposited them directly into 529 accounts for my nieces and nephews. From there, I used my points as statement credits against BLADE trips to my office, which saved me hours of time.

And if you’re solely focused on travel rewards, this card can cover travel expenses that you can’t redeem miles for, like offsetting surcharges on an award ticket or amazing experiences on the ground.

Jack Skellington from Tim Burton’s “The Nightmare Before Christmas” hosts the new “Disney’s Not So Spooky Spectacular” fireworks show at Magic Kingdom Park. This spellbinding display of state-of-the-art projection effects, lasers, lighting and dazzling fireworks will delight guests during Mickey’s Not-So-Scary Halloween Party, a separately ticketed event held on select nights Aug. 16-Nov. 1, 2019, at Walt Disney World Resort in Lake Buena Vista, Fla. (David Roark, photographer)
Because points are always worth one cent each, you can use points to pay for travel experiences like your tickets to Disney World for Mickey’s Not-So-Scary Halloween Party. (Photo by David Roark)

Originally when I heard that points were worth only 1 cent each, I was a bit disappointed. But it’s honestly nice that I don’t have to jump through hoops to find award availability and I don’t have to feel bad about redeeming these points for maximum value. I can use them whenever and for whatever I want.

Further reading: How to redeem points using the BoA Premium Rewards card 

Using the Preferred Rewards program to your advantage

To get the best value out of your Bank of America cards, you need to understand Bank of America’s Preferred Rewards program. Those who hold considerable assets in eligible BofA or Merrill accounts — including retirement or investment accounts — are eligible for increased rewards when spending on the Premium Rewards card. To enroll in BofA Preferred Rewards you’ll need:

An eligible Bank of America personal checking account and a 3-month average combined balance of $20,000 or more in a Bank of America account and/or Merrill investment accounts.

There are three tiers in Preferred Rewards, and your tier is based on how much money you have in your accounts. This will determine your earning with the Premium Rewards card.

Spend Categories Regular Cardholder Tier 1 – Gold ($20,000 – $50,000) Tier 2 – Platinum ($50,000 – $100,000) Tier 3 – Platinum Honors ($100,000+)
Travel/Dining Earnings 2x points 2.5x points 3x points 3.5x points
Other Earnings 1.5x points 1.875x points 2.25x points  2.625x points

At the base level of 2x points on travel and dining and 1.5x points on everything else, the card is pretty standard. It’s good, but the Citi® Double Cash Card and Fidelity Rewards Visa Signature Card are cash-back cards with higher earning rates on everyday spend and no annual fees (though those cards don’t come with any perks).

But the numbers get pretty spectacular when you’re able to get 2.625x points on everyday spend and 3.5x points if you meet the highest banking threshold. That said, I’ll still probably put most of my travel and dining spend on my Sapphire Reserve because I value Ultimate Rewards points at 2 cents each — meaning I get 6x points (toward travel per dollar spent). But 3.5x points back on travel and dining and 2.625x points on everything else for those who don’t value travel as much as I do — and want flexibility when redeeming points — is quite strong.

airline

The way I see it is that if you can maximize Preferred Rewards, you’re essentially getting a no-annual-fee card (after using the airline credit) that gives you 3.5x on travel and dining and 2.625x on everything else. If you’re looking for a straight cash-back card, no other card comes close to that.

The moment I heard of this card, I immediately moved $100,000 into a Merrill investment account so I could start qualifying for Platinum Honors. BofA also allows the option to roll over an existing 401(k) account into a Merrill retirement account, so that this could be an easy way to qualify for Preferred Rewards.

Further reading: Stop ignoring the Bank of America Preferred Rewards program 

Bottom line

In general, this card is about diversifying your stock of points and using them for the purchases that normal airline miles or credit card points can’t cover. It’s great if you want to use your points to splurge on a crazy watch or piece of jewelry. Or you can be generous and use the points to better your family.

It’s also an interesting option for small business owners — I know a lot of doctors and executives, and at a certain point there is mileage overload where they have too many Amex points and physically can’t redeem all of them for travel (because that is the best way to redeem MR points). So if you own your own business, this card can offer 2.625x points on all of your spend and 3.5x points on all travel and dining, which you can easily redeem for cold hard cash.

For those who have been eyeing a straight-up cash-back card, this could be your best option. Simply put, it’ll be improving your bottom line — either for you personally or for your business. You don’t have to waste time figuring out how to get the most value out of your points, as the stress-free redemptions make this an easy card to manage.

BofA is obviously telling customers that they will be rewarded with its Preferred Rewards program if they move their assets to BofA. On top of the earning and redeeming possibilities, it comes with a solid sign-up bonus and some pretty nice perks, which are worth far more than the card’s annual fee. For these reasons, I continue to be excited to have status with Preferred Rewards banking and the Bank of America®️ Premium Rewards®️ Visa®️ credit card in my wallet.

Official Application Link: Apply for the Bank of America Premium Rewards Visa Credit Card 

Additional reporting by Madison Blancaflor.

Featured photo by Isabelle Raphael/The Points Guy.

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Millennials abandoned cereal: General Mills is betting that kids and older people will bring it back

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New York (CNN Business)General Mills has a cereal problem. It thinks children and aging boomers can help solve it.

To strengthen the category, General Mills is trying a number of different things, like leaning into nostalgic, sugary cereals and exploring new food trends. It’s also banking on changing demographics in the United States to help boost sales, said Jonathon Nudi, group president of North America retail for General Mills, during a recent investor day presentation.
General Mills is betting that kids and older people will help save cereal - CNN
According to the Federal Interagency Forum on Child and Family Statistics, the population of children in the United States has been declining or about flat for the past several years. In 2010, there were 74.1 million children in the US. In 2017 that figure was 73.7 million. The group projects that number will tick back up to 74.1 million in 2020, and hit 75 million in 2025.
    Meanwhile, the US population is aging rapidly. The Census Bureau predicts that in 2035, older adults will outnumber kids for the first time in the United States.
    Those groups have “some of the highest levels of per capita cereal consumption,” Nudi said. By catering to these customers, the company can “drive further category improvement,’ he said.
    While Millennials have generally turned away from cereal as a meal -— instead snacking on it during the day or swapping it out for dessert on occasion — kids and older adults who eat cereal still like it for breakfast.
    The stronger preference for cereal among older adults and children has been going on for “decades,” said Mike Siemienas, a spokesperson for General Mills (GIS).
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    Cereal is popular among parents looking for an easy, convenient way to prepare breakfast for kids, said Alexander Esposito, research analyst at Euromonitor International. And the sweet flavors tend to appeal to children, he added.
    For people over 55, cereal is attractive because it offers certain nutritional benefits, like fiber. While Millennials and younger adults tend to care about “ethical labels,” like organic certifications and may try avoid foods that use genetically-modified organisms, for older adults “the health implications are a bit more real,” Esposito said.
    Plus, people who grew up eating cereal tend to eat less when they enter the workforce and start eating breakfast on the go, noted John Baumgartner, an analyst who covers food for Wells Fargo. When they hit retirement age, they may return to the habit, he added.
    business
    General Mills uses Cheerios in particular to advertise to customers concerned about heart health. A “hearts matter” page on the Cheerios website notes that the Honey Nut Cheerios “makes heart health enjoyable.” The company is doubling down on that messaging this year, Nudi said, “to clearly communicate the health benefits of this product to boomers.”
    Honey Nut and regular Cheerios perform well both with children and older adults, said Siemienas. Two other brands that do well with children are Cinnamon Toast Crunch and Lucky Charms, he added. Older adults prefer Wheaties and Fiber One.
    To capitalize on the trend, General Mills is trying to appeal to both age groups.
    Cheerios is continuing a partnership with Ellen DeGeneres to try to reach to her fans. Reese’s Puffs, geared toward a younger audience, has partnered with rapper Travis Scott. General Mills has also revamped the look of Cinnamon Toast Crunch, decorating the box with “Cinnamojis.”
      Baumgartner pointed out that General Mills just needs to keep cereal sales steady to do well, because it relies on other parts of its business, like snacks and pet food, for growth.
      “They don’t really have to have the cereal category be a growth category,” he said. “As long as it’s flat to slightly up, I think that’s all they really need.”

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