Top 10 Secrets Of Federal Government Employee Discounts

Although government jobs are some of the most stable careers in the economy, federal employees are still watching their bank accounts and trying to save money. The good news is that many companies offer public servants deals on vacations, clothes, phones, auto insurance and home improvement. We have researched and compiled a list of the Top 10 Secrets of Federal Government Employee Discounts.

1. Food

10 percent discounts are offered to military members dining at IHOP, Denny’s, T.G.I Friday’s, Long John Silver’s and the Hard Rock Cafe. Applebee’s also offers a 15 percent discount at selected locations.

2. Clothing

10 percent discounts are offered at Nautica and New York and Co. Fans of Old Navy know the company offers a discount on the first of every month. These discounts can also be used in conjunction with coupons and other methods of saving.

3. Auto Parts
5 to 10 percent is offered at Kragen Auto Parts. Advance Auto Parts offers active and retired military members 10 percent off. AutoZone offers military discounts as well.

4. Insurance

Depending on the state, Geico offers between 3 to 10 percent off automobile insurance. Liberty Mutual also offers car insurance discounts.

5. Home Improvement

Lowes and The Home Depot offer 10 percent discount at most locations. The government is also offering up to $1,500 in tax rebates for installing energy-efficient products. LongFenceandHome.com offers a discount to federal employees and military personnel on a wide variety of products and services.

6. Eyes

Group Health Eye Care offers a 20 percent discount on prescription eyeglasses or sunglasses. Additionally, there is a one-time offer of 20 percent on contact lenses.

7. Gyms

Washington Sports Club offers 33 percent discount on their monthly membership fee.

8. Travel

When planning a trip, Govarm.com is our recommended site for vacation and leisure services. However, some other respected government travel sites are: Club Quarters, Government Vacation Rewards, Holiday Inn Express, and La Quinta Inns and Suites.

9. Communication and Technology

Verizon offers a 20 percent discount on phones, calling plans and accessories. When looking for home computing software and hardware consult Dell. They offer at least 10 percent when purchasing their products. Do you prefer Macs? Apple has recently offered various discounts on iPods and computers.

10. Fedsave.com and RecGov.org

These are the top recommended sites for searching government discounts. Fedsave.com offers a subscription which includes a free monthly newsletter highlighting savings and special offers on everything discussed above.

Government discounts are abundant, but are often overlooked. With some quick research, you may find yourself saving a lot of money.

Beekeeping And Honey Bees

Honey beekeeping can be fun and lucrative activity. The honey beekeeper can grow magnificent gardens due to the pollination of nearby plants but also gets to eat tasty honey to their hearts content.

The saying busy as a bee is a clich for a reason. Bees work so hard that in only 35 days their wings are useless and they die. Bees keep the honey for food when the flowers arent blooming. If theres a good season for flowers, the bees collect more nectar which leads to more honey. Theres no way they can eat all the honey themselves so honey beekeepers can collect this honey to eat for themselves or make money from it.

Beekeepers can make money from the two different types of honey. Liquid honey is the type of honey that is easy to get out of the hive. Its taken out of the honey combs using machines called centrifuges or extractors. Another way they make money is by selling the actual honey comb itself. The honey thats in the waxy combs is called comb honey. Even though its less useful for drinking tea or cooking, people still like it for the natural flavors it has.

An uncommon fact is that honey comes in many varieties. Every flower has a different scent which causes the honey created with its nectar to taste and smell different. Honey can also be different due to different soil conditions. The alfalfa plant, which grows in a more alkaline soil, has honey that is white to clear. Honey made from buckwheat nectar is the exact opposite with a very dark honey due to the acidic soil. How good honey is also determined by how good the honey comb the bees have made. Overall, it can range from golden, red, and even green!

Its extremely important for honey beekeepers to follow the proper rules and regulations of various state and federal authorities while theyre working with honey. Many local governments have different regulations regarding the keeping of bees since its a real business not just a hobby. Honey beekeepers must consider the different aspects of marketing their honey; things like where and who to sell honeyto is extremely important. Beekeeping is a very fun hobby, but when it becomes a business, the honey beekeeper must make choices that will grow his business and protect him from economic downturns. This is the key to thriving in this business.

As you can see, theres more to beekeeping than meets the eye! Bees are little creatures that create liquid gold in the form of honey. They dont last that long because they work so hard to produce delicious honey that ranges in color from clear to dark amber. Beekeepers can make money selling honey but also by selling honey comb wax as well. Overall, its important for beekeepers to watch regulations and make smart business decisions. Who ever thought there was so much involved in beeing a honey beekeeper.

The New Economy

I recently read an interesting article called The 30-Year American Dream. The article was at wethesavers.ingdirect.com/homeowners-living-room/the-30-year-american-dream/.

Having been a math teacher, I am a numbers person. So it caught my attention in the article when it said:

“In 2003, 83 percent of Americans said they thought owning their own home was a safe investment. According to a recent National Housing Quarterly Survey, today only 64 percent of Americans think its a safe investment, down from 70 percent at the beginning of 2010.”

As well as:

“Today, the average American changes jobs every four years, moves 11.7 times in a lifetime and refinances their home roughly every five years. Pin these numbers against the backdrop of a 15 or 30-year fixed rate mortgage, and you see the bulk of American homeowners paying thousands in insurance for mortgage duration they dont need.”

Most people today still consider owning a home to be a good investment and that is a bold-faced lie. It is not an investment and should not be looked at as an investment. This lie must have started back in 1938 when Fannie Mae was born.

If I was a lot younger and did not want to experience the joys of gardening and being around nature, I would rent instead of own.

People think, wrongly, that there are a lot of tax advantages to owning a home. Wrong again. Do the math. Plus by moving on average 11.7 times in your lifetime, I have moved maybe 3 times that, owning a home can become a very poor use of your money, which is why I said it should not be looked at as an investment.

In todays economy buying a home could be tragic as many people are seeing their homes value dive bombing.

Why am I spending so much time talking about home ownership and it being a bad choice for most people? We are in a new economy, a global economy. No longer are we affected only by what happens in our neighborhood, city or state. We are affected by events on the other side of the world.

The economic power is shifting from west to east. The USA will soon no longer be the envy of the world and we need to face up to that if we want to come out on top and enjoy a happy and successful life.

In fact, a new book will be published later this year called Happiness & Success, Why the Trade-offs Arent Necessary. It will show you what you need to do now to ensure you will be well off in this New Economy.

Ethics In Business And Accounting Decisions

Depending on the type of business, the facts and circumstances surrounding accounting decisions may not always make them clear cut, and yet the decision may determine whether the company shows a profit or a loss in a particular period! What are the factors that influence business and accounting decisions, and how should these factors be weighed? Generally, three factors influence business and accounting decisions:

The economic factor states that the decision being made should maximize the economic benefits to the decision maker. Based on most economic theory, every rational person faced with a decision will choose the course of action that maximizes his or her own welfare, without regard to how that decision impacts others. In summary, the combined outcome of each person acting in his or her own self-interest will maximize the benefits to society as a whole.

The legal factor is based on the proposition that free societies are governed by laws. Laws are written to provide clarity and to prevent abuse of the rights of Individuals or society. Democratically enacted laws both contain and express society’s collective moral standards. Legal analysis involves applying the relevant laws to each decision, and then choosing the action that complies with those laws. A complicating factor for a global business may be that what is legal in one country might not be legal in another. In that case, it is usually best to abide by the laws of the most restrictive country.

The ethical factor recognizes that while certain actions might be both economically profitable and legal, they may still not be right. Therefore, most companies, and many individuals, have established standards for themselves to enforce a higher level of conduct than that imposed by law. These standards govern how we treat others and the way we restrain our selfish desires. This behavior and its underlying beliefs are the essence of ethics. Ethics are shaped by our cultural, socioeconomic, and religious backgrounds. An ethical analysis’s needed to guide judgment for making decisions.

The decision rule in an ethical analysis is to choose the action that fulfills ethical duties responsibilities of the members of society to each other. The challenge in an ethical analysis is to identify specific ethical duties and stakeholders to whom you. Owe these duties. As with legal issues, a complicating factor in making global ethical decisions may be that what is considered ethical in one country is not considered ethical in another. Ethical training starts at home and continues throughout our lives. It is reinforced by the teaching that we receive in our church, synagogue, or mosque; the schools we attend; and by the persons and companies we associate with. A thorough understanding of ethics requires more study than we can accomplish in this book. However, remember that, when making accounting decisions, do not check your ethics at the door.

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The Internet Culture In Virtual Reality By Castells

As a tool of communication and technology sharing, the Internet has become a powerful force that is difficult to control. According to Castells the Internet has become the center for libertarian values of privacy, freedom, and openness. Castells believes that the interaction between four types of cultures resulted in this: the techno-meritocratic culture, the hacker ethic, the virtual communitarians, and the entrepreneurs. The author believes that with time the flexibility of the Internet will be used in commercial interests to change the culture of openness of the Internet into the culture of control.

Castells in the chapter Virtual Communities or Network Society reflects on how the internet has changed the way people communicate with each other. The author speaks about how most people’s social interactions increase, rather than decrease, which is the general opinion of the internet. A major criticism against the communication through the Internet is that there is little time for communication in a real time. According to Castells studies this fact is wrong and he rejects it. Then the author mentions such a notion as networked individualism. This means that people build their networks on their own interest. In other words, the author points out that nowadays the society is no longer organized according to the geographical location but on the choice that a person makes via the Internet.

Castells reflects on the connection between the iIternet and the government, on civil society, democracy in the society in the chapter The Politics of the Internet: Computer Networks, Civil Society, and the State”. The author brings up such aspect of the relation between government and the Internet as China. In this chapter he tells about a new version of the search engine made specially for China by Google. Besides, the chapter discusses the role of the government in the aspect of absolute freedom in communication.

When developed countries with technological infrastructures were joining the internet, developing countries began to experience a Digital divide separating them from the Internet. China went on to make its first global Internet connection in 1994, between the Beijing Electro-Spectrometer Collaboration and Stanford University’s Stanford Linear Accelerator Center. In the chapter The Digital Divide in a Global Perspective” Castells gives a detailed analysis of the usage of the Internet all over the world. Then the author examines the connection of the digital divide and the Internet. According to Castells research, connectivity is an obligatory element of economic development and the netiquette is the code of effective communication via the Internet.

Vs. 6 Cylinder Suvs

Buying a new car or a used one requires research first, you want to get the best vehicle for your money and when it comes to the size of the engine and how much power is needed in your sports utility vehicle, it is good to know the difference between a 6 cylinders vs. 4 cylinders. Some things to consider when buying a car is to look at the many factors that determine power, design and fuel efficiency of the engine.

The Year, Make and Model can affect how different engines will perform

It is important to note that a 4 cylinder engine has four pistons and usually are in smaller cars for instance a Toyota Tacoma is a compact pickup truck first generation models from 1995 to 2004, two wheel drive Tacoma’s came with the 2.4L and the 2.7L four cylinder engine, while 6 cylinder engines has six pistons and are usually found on most passenger cars, vans and small trucks such as found in GMC truck V6 engine produced in 1960 to 1978 in the Chevrolet 250 cid inline 6. Theoretically the more pistons would equal more horsepower.

Is a 6 cylinder V6 engine better than a 4 cylinder engine?

The inline 6 has been replaced by the V6 engine because of its compact size and high performance engine is why it’s the best choice if you’re looking for a high power engine while still maintaining a great fuel economy for your SUV. The 4 cylinder as a straight or inline is standard in most vehicles and is considered an economy engine. Its lower emissions and fuel efficiency makes it the engine of choice for those concerned about the impact on the environment. So to determine which engine is better will depend on what you are looking for in the next automobile you purchase though more cylinders equal more power when comparing different engines.

Advances in Technology for the Modern 4 cylinder

Many had thought that 4 cylinders were short on acceleration, this is changing with Japanese auto makers building high performance SUV’s such as in the Toyota sports utility, where you have the choice of purchasing the Highlander, Rav4 and the new 2010 Toyota 4runner has a 2.7 liter four cylinder engine that produces 157 horsepower, the only difference between a modern 4 cylinder compared to a V6 is the cost, due to the advancement in performance over the last decade.