Alfa Sugar

Wheel of Life

2013-01-31T12:37:00.000-06:00

Ever seem like there is never enough time to get it all done? If you answer no, then you need to reassess yourself and see if you can be challenged. For the rest of us who have likely answered yes, I am blogging about this very topic now in lieu of new year's resolutions to do better.

Upon reading this interesting article about livinging intentionally, I love how the author asks you to review your seven areas, i e the wheel of life. Now Zig Ziglar is wonderful at descibing his concept. I admit that I grabbed a piece of scrap paper and pen (the old fashioned way) to draw it. If you have a tablet or ipad, just open a blank screen and use a wand to create your pie. I wrote out each one....Career, Financial, Spiritual, Physical, Intellectual, Family and Social. Soon I was filling it in. Some were easy and some others I was feeling anxious. Interesting.

At any point in our life, we are right where God needs us to be. Yet, as I completed my wheel of life, I couldn't help but feel regret, pride, happiness, peace, anxiety, doubt and joy all in a single time period. After all, it's my life. Perhaps you may encounter mixed emotions upon writing it all out.

It's easy to feel anxious about the future. It's easy to feel worry about the present. It's easy to be happy and sad about past decisions. It's time to set aside these emotions and determine a new way.

This is exactly how God wants us to come to Him and make us new in Him. To shed the old and take on the new. It is mixed emotions at it best, and yet once done, you feel the best ever.

Meanwhile, how will you deal with certain demands? how will you deal with the "off days"? how will you know what to do and what not to do? how will you know to manage your time wisely? God knows. God will see you through this day whether you walk beside Him or He carries you. God's will will be done.

by Stephanie S Arredondo (c) 2013

Financial tip the old fashion way

2013-01-16T12:58:00.000-06:00

Most folks keen on cutting expenses and trying to do more with less funds find themselves working hard only to save a few cents here and there. It's a struggle to find a way to earn money and then find out that it costs more than before for that one item. Even in 2013 as we embark on higher taxes and higher prices while incomes are less than before makes for a gloomy season financially. Perhaps it's wise to shift the perspective from the gloom and doom (or rather the black and red) to the liquid sunshine (or the glass is half full approach).

Do more with less.

It can't be that simple. I find that when I don't go out of the house and stay away from stores, I spend a lot less. It's a means of self-preservation where I stay away from the store or influence to take my money. These days, I am learning about delayed gratification. For example, I need to fill my gas tank up with gasoline but I can wait a few more days until I need to refill it.

Staying away from the stores where you are nothing but ATTACKED by everything in it's path to get you to spend more money than you had originally intended.

Those promotional coupons, it is nice to save $1 but I ended up spending an extra $5 because after all I saved $1. The concept of saving xyz on the final bill versus how much did I acutally spend is the difference you need to make in your financial behavior pattern.

While these ideas seem too simple, not sophisticated and redundant, it is wise to guard your billfold, don't be bullied into saving because it's a great deal or coupon, and reconsider the old-fashioned way of doing things. It may be less technology, less gratification and less socialization, but the reward is far greater when you can remain on track with your budget and feel financial peace. That's a great financial tip.

(c) 2013 Alfa Sugar

Happy New Year!

2013-01-15T15:57:00.000-06:00

Welcome 2013!

While it may be a time to say out with the old and in with the new, the neat thing is that there's lots of choices and things to do, both old and new.

It's fun to find out about new activities or books to read or social activities to do in addition to the regular day to day duties. In many ways, it ends up overwhelming any normal person because there are soooo many choices. Take the grocery store for example. Okay I need to buy peanut butter but there are 20 varieties on the shelf so which is the one best matching what I need. By the time I narrow down the selection, it's taken me several minutes that fly by fast but are much more grueling when my children are there. Then it's off to the next item and another round of too many choices. If people think it is easier to shop at the grocery store these days, it's challenging because of all the choices you must make. I am liking the order your groceries online and drive over to pick them up. It's $5 and that's well worth my time.

That's my point. There are too many choices that are taking too much time. There are too many things to do that are taking too much time. Your time is precious and is increasingly becoming more precious as every business and thing out there tries to get it. Do you understand how you are becoming overwhelmed?

There are the old ways of doing things. There are the new ways of doing things (along with the learning curve). What's overwhelming you today?

For the New Year, perhaps a new year resolution is to be less overwhelmed and more pragmatic with where you spend your time.

Instead of spending time on the phone talking, why not read that one book your child is begging you to read because he wants your attention? Instead of spending hours at the stores, why not sit down with a friend for a cup of coffee and fellowship? Instead of fretting over coupons and saving nickels and dimes, why not go to the one grocery store where you know prices are already low enough? Sometimes giving a little can mean a big benefit in lifestyle choice, time and the things that money can't buy.

In Ephesians 4:1, it states for you to "live a life worthy of the calling you have received." Where you are right now is right where God needs you to be. For those times when you get overwhelmed, it is a good time to keep in mind this financial perspective.

(c) 2013 Stephanie S. Arredondo Alfa Sugar

Hobby Lobby Stores Face ObamaCare

2012-11-28T12:48:00.001-06:00

A Letter from Hobby Lobby Stores CEO

By David Green, the founder and CEO of Hobby Lobby Stores, Inc.

When my family and I started our company 40 years ago, we were working out of a garage on a $600 bank loan, assembling miniature picture frames. Our first retail store wasn't much bigger than most people's living rooms, but we had faith that we would succeed if we lived and worked according to God's word. From there,Hobby Lobby has become one of the nation's largest arts and crafts retailers, with more than 500 locations in 41 states. Our children grew up into fine business leaders, and today we run Hobby Lobby together, as a family.

We're Christians, and we run our business on Christian principles. I've always said that the first two goals of our business are (1) to run our business in harmony with God's laws, and (2) to focus on people more than money. And that's what we've tried to do. We close early so our employees can see their families at night. We keep our stores closed on Sundays, one of the week's biggest shopping days, so that our workers and their families can enjoy a day of rest. We believe that it is by God's grace that Hobby Lobby has endured, and he has blessed us and our employees. We've not only added jobs in a weak economy, we've raised wages for the past four years in a row. Our full-time employees start at 80% above minimum wage.

But now, our government threatens to change all of that. A new government health care mandate says that our family business MUST provide what I believe are abortion-causing drugs as part of our health insurance. Being Christians, we don't pay for drugs that might cause abortions, which means that we don't cover emergency contraception, the morning-after pill or the week-after pill. We believe doing so might end a life after the moment of conception, something that is contrary to our most important beliefs. It goes against the Biblical principles on which we have run this company since day one. If we refuse to comply, we could face $1.3 million PER DAY in government fines.

Our government threatens to fine job creators in a bad economy. Our government threatens to fine a company that's raised wages four years running. Our government threatens to fine a family for running its business according to its beliefs. It's not right. I know people will say we ought to follow the rules; that it's the same for everybody. But that's not true. The government has exempted thousands of companies from this mandate, for reasons of convenience or cost. But it won't exempt them for reasons of religious belief.

So, Hobby Lobby � and my family � are forced to make a choice. With great reluctance, we filed a lawsuit today, represented by the Becket Fund for Religious Liberty, asking a federal court to stop this mandate before it hurts our business. We don't like to go running into court, but we no longer have a choice. We believe people are more important than the bottom line and that honoring God is more important than turning a profit.

My family has lived the American dream. We want to continue growing our company and providing great jobs for thousands of employees, but the government is going to make that much more difficult. The government is forcing us to choose between following our faith and following the law. I say that's a choice no American � and no American business � should have to make.
The government cannot force you to follow laws that go against your fundamental religious belief. They have exempted thousands of companies but will not except Christian organizations including the Catholic church.

Since you will not see this covered in any of the liberal media, pass this on to all your contacts.

Sincerely,

David Green, CEO and Founder of Hobby Lobby Stores, Inc.

Alfa Sugar Update

2012-11-26T09:38:00.002-06:00

Since July 2012, I've taken a leave of absence from blogging. It's been a roller coaster ride of sorts with life happening on the homefront. I appreciate readership for it's at 5000 hits since this blog started over a year ago. Come January 2013, I will review and revise the plan for this blog. The hope is to generate a profitable return of sorts. Thank you for your support.

P.S. below is a link to my latest article on Wives of Faith

Finding Contentment in your Life

A Nation Under God

2012-07-03T09:33:00.002-05:00

We are a nation under God that has a history of strife. Wars, explorers, & conflict between natives and settlers comprised much of our early history. In 1776, we as a nation dealt with oppression of taxes from England. Our founding fathers stood up and were willing to die so that they and their families would be free, free from oppression, free from taxes and free to practice their religious beliefs.

According to many, there is validity to this historical issue today. We are a nation still dealing with strife. We still lack. We are taxed. We are oppressed. We are under attack for our religion. Is history repeating itself?

Whether it's 1776 or 2012, we as a nation need to return to our founding principles. Religion needs to be reinstated, and people need to rise and be a nation of propigators of the gospel. Freedom is desired due to these yearnings and lackings that folks experience day to day. We are a pro-capitalism country full of hope and promise. It's a great nation full of prosperity and opportunity. Why is it that so many people in the world STILL desire to come to America?

It's not a matter of money even though money, profitmaking or revenue communicate the true nature of human behavior. It's a matter of character and the things that money can't buy. This Fourth of July as we see the fierce fires in Colorado and the west, we see the storms and flooding in Florida, we see 100 degree heat throughout the USA causing water shortages, and we see many folks without power dealing with extreme drought conditions, we need to awaken to our woes of lacking and yearning and realize that there is the One that can only give satisfacation and fullfillment. God bless America.

"Teach us to number our days aright, that we may gain a heart of wisdom....Satisfy us...that we may sing for joy and be glad all our days." Psalm 90:12-14 (NIV)

Battling Bare

2012-06-27T08:06:00.002-05:00

In the recent article, Military Wives Strip Down to Raise Awareness about PTSD, it's a testament to what the military wives and families deal with regarding PTSD or post-traumatic stress syndrome. It is an important issue that is hindering military from getting jobs in the private sector once they discharge from the military.

At Battling Bare, a new nonprofit organization, these ladies are encouraging others to support their husbands battling PTSD. By writing the motto below on their bare back and taking a picture of it to post online, it is hoped that this attention-getting device will raise awareness to a grave situation that our military servicemembers are dealing with.

Broken by battle…
Wounded by war…
My love is FOREVER–to you this I SWORE.
I WILL:
Quiet your silent screams…
Help heal your shattered soul…
Until once again, my love…
YOU ARE WHOLE!
Battle bare.

It takes courage to reach for help only to have it thrown back in your face. Counselors and even church ministers misunderstand the issue at hand, and that leads to wrongful and hurtful diagnosis of the problem. It takes a strong military wife to weather the storm with her husband, and this Battling Bare motto is a great morale boost to those raising attention to a very delicate situation that our society and military desire to sweep under the carpet.

You DON'T throw away this marriage as many would encourage divorce and leaving the person. You DO work through the difficult situation and start another life after the military experience. It's a one day at a time challenge where you focus on the positives and forgive for those who do you wrong. (and it's okay if it takes a long time to forgive but it is key to learn to forgive and move on with your wonderful life).

Another article in the The Leaf Chronicle

2Q2012 Results for Alfa Sugar

2012-06-26T18:29:00.002-05:00

We are now at 3,974 hits since Alfa Sugar went live over a year ago.

Our international audience is large and include USA, Sweden, Russia, United Kingdom, Germany, India, France, Canada, Romania, Latvia and other countries of the world.

Our top articles for this past quarter include:
160+ stores offering military discounts
Bird Picture for Wives of Faith Blog Carnival
Hurray for our Heroes
Out with the Old and In with the New

Of note, my article Bird Picture for Wives of Faith Blog Carnival won a prize in the contest. Thank you Wives of Faith and Chelesea S. of Thirty One for the pretty little organizer bag. It's used a lot at my church so I felt right in vogue using it for Vacation Bible School this summer.

This past quarter was a first for getting comments and likes.

Thank you for your support of Alfa Sugar.

Retirement Considerations to achieve contentment

2012-06-26T18:13:00.003-05:00

Per a professional financial consultant on a morning tv show, it is estimated that Americans will have to reduce their current standard of living by 60% when they retire. This is an astounding number given current financial issues.

It is estimated that Social Security will see more outflow rather than inflow occur in 2013.

Today's market is reluctant to hire people age 60 and older because of age and health matters. Even if the older worker is more reliable and knowledgeable, many employers opt to hire other candidates. The Elder Law is in place but it is difficult to prove especially in right to work states.

For those nearing retirement or in retirement, it is a mixture of concern and fear about future living conditions.

For military, it is certainly concerning. Before retirement, it is important to determine what location is best and closest to your last station. Cost of living in the local community along with any military benefits as a retiree is an added plus. Of course, it is best to review your financial statements with and without Social Security. The more you plan and research, the better you and your spouse will enjoy retirement years.

Most retirees understand that they are on fixed incomes and can't go and do like what they used to do. Scaling back from a lifestyle that was fun and fulfilling is never easy. What matters most is finding contentment with where you are in your present day living.

some considerations....
relocate to a retirement community that's more affordable for your budget
develop friendships with 55+ groups at local Ys, senior centers or other groups
take up a new hobby such as bridge, walking, or other activity that exercises your mind and body
attend church and learn more about the Bible
mentor the younger generation albeit a younger couple in their 30/40s
participate in events such as Vacation Bible Schools where there are all age groups represented
eat out at local restaurants who offer senior discounts
seek free deals
shop on senior discount days (this is not available in all states so take advantage of it if you can)
care for a pet through foster care (that way you don't pay the vet bills and can provide a loving home)
volunteer at your local library, church, school or other worthy nonprofits
manage your time wisely for retirement years
do babysit or provide childcare for grandchildren
do potlucks
learn e-mail or skype or a new technology that bridges the gap between you and the younger generation
research who offers military retirees discounts
book hotel rooms through venues that are on bases as you travel in the country
share a ride when driving across country with fellow retirees
participate in church group bus trips
smile
look at the sky
feel the rain
life is beautiful

There are many other ways to enjoy retirement years so please add more suggestions

Money Issue

2012-06-24T09:10:00.000-05:00

As money goes more digital, a debate is arising as to the benefits of cash or the greenback. This morning on the CBS Sunday Morning show, such a report reviewed the drawbacks of the greenback and how going digital is wonderful. Here is the link The Money Issue. Yes, handling the greenback is hazardous to your health as it is with other countries currencies.

What the report neglected to address is a couple of the following:

1) high finance charges for the card swipes...for example, Paypal charges a certain percentage. When you pay $8, then the person receiving payment has to pay taxes and employment insurance costs AND now another fee called the finance charge. It squeezes small business net profits in an economy that is struggling as it is.

2) there is less accountability for impulse spending. When you spend cold, hard cash, it's harder to release it rather than the digital component. McDonald's conducted a study whereby it was affirmed that people bought more fast food products when using a credit/debit card rather than cash.

3) there are many workers who benefit from cash payments such as babysitters, servers, valet parkers etc... There may be a drawback to criminal activity using cash transactions but when the power goes out and many people do not pay for a smartphone, why punish good hardworking people by doing away with cash? It's not a negative to pay for things in cash. It's cool.

4) Educators in schools use the greenback and coins (play money) in the classroom to teach children about money. To do away with the adult population using currency because it is likely to go digital is a challenge to teach future generations about the value of money and how to properly manage their finances. The reintroduction of personal finance in schools is necessary to train up this generation so that we as a nation don't deal with debt or overspending issues as our present generation is doing.

Not mentioned is the increase in bartering between two parties where there is an exchange of goods and services for goods and services, not cash or payment with money.

For the New York reporter who filed this news report, he should have reviewed these aspects in his report rather than allow technology to sweep him off his feet. He should go to rural America outside the NorthEastern part of this country for a true understanding of average Americans. He should also travel to various parts of the world with other military personnel see how American military families deal with international spending issues. I believe that he will revise some things in his report if he conducts further research. No offense sir but I believe that you did a decent job raising awareness and missed a few key points.

Staying with cash and the greenback will benefit this country, not the government. There are other ways for government to reduce spending and one way is to NOT adjust and do away with the greenback or coins.

This financial perspective is to elevate more understanding about the classic issue of bartering or exchange of goods and services as well as to bring light to the money issue present day.

by Stephanie Arredondo (c) 2012

(I wrote this article quickly with children playing the background, phone ringing and other household activity that can easily distract the writer because that's how important this financial perspective is)

Financial Struggles

2012-06-19T08:48:00.002-05:00

Interesting news report out on gloom and doom for many folks. I believe that this is true for those who are living beyond their means. There is no question that inflationary influences are kicking in on food prices as well as basic materials as global demand is rising for these items. For military families, it is wise to learn to cook, budget and reduce spending as commissary prices though decent will take a big bite out of military household budgets.

Working Americans struggle to stay on top of things. With median hourly wages lower in 2011 than 10 years earlier, many are finding that their salaries can't keep up with expenses, especially for those whose hours have been cut as well. The NYT collects anecdotal evidence of how Americans are suffering, whether it's those that want to work longer hours, or those that can't find jobs related to their degrees.

Lower than anticipated family net worths

2012-06-12T15:52:00.000-05:00

If you read the news release below from seeking alpha, it affirms the current day to day struggles that many American families are dealing with. It's also been an opportunistic time for foreign investors.

Net worth of U.S. family plummets. The net worth of the American family plunged 39% from 2007-2010 to $77,300, the lowest since 1992 as the financial crisis destroyed 18 years of gains. Leading the decline was a 42.3% dive in the average equity in Americans' homes. "What you see is an economy that’s really very, very stressed for the bottom 60%-70%,” Streettalk's Lance Roberts tells Bloomberg.

SUMMER & SAFETY REMINDERS

2012-06-01T11:42:00.001-05:00

Pools are open. School is out. Summertime is here. Now it's time for summertime safety reminders.

Public health is an issue at pools, especially public pools. This yahoo article raises alerts about people urinating in pools and about bateria issues. Survey Public Pools like toilet bowels While everyone certanly knows to use the facilities, perhaps it's a reminder that our society needs to do better in personal hygiene.

With school out, children are playing and up to mischief with no parents around. Police are notifying neighborhood watch groups about an increase in teens and criminal activity. It is wise to have your child into healthy activities. Children look for adults to supervise and discipline even though they whine and complain.

Door to door salespeople are at it as well as traveling gypsies and other potential burglars. Awareness of who is in your neighborhood and setting your alarm system is a good way to prevent crime. Dogs barking is something to not ignore.

Preventive measures are so important for you to enjoy your summer and reduce unnecessary financial obligations.

U.S. CFOs Outlook - An Interesting Big Picture

2012-05-16T09:15:00.001-05:00

U.S. CFOs are expecting a 20 percent increase in their net earnings,compared with 13 percent last quarter.

Despite their climbing optimism, CFOs on average continue to believe that that the unemployment rates will remain at high levels for the next six to 12 months.

Source: CFO Quarterly Outlook May 2012

Improvements are occurring in the U.S. economy despite lackluster politicals. Perhaps a rally in U.S. stocks may help raise sentiments positively going into summertime. I believe that Valueline Survey's estimate that GDP growth will hover around 2.0-2.5% is a fair range; however, it is concerning how events in Europe will unfold and affect market psychology. Having commented here, I believe that investors remain smart about what instruments to invest in to achieve investment strategy and portfolio management goals. For now, CFOs are tweeking numbers here and there.

The real question is who is sacrificing quality to meet bottom line expectations. Also, there are U.S. corporations carrying a lot of cash on their books so opinion is strong that acquisitions may be in the pipeline.

Until corporations can finalize their tweeking, unemployment may remain high going to year end. As a rule, January is a great time to interview and get hired because of corporate budgets.

Bless Me in Financial Abundance

2012-05-15T13:39:00.001-05:00

Many prayer requests these days are financial bondage ones where folks are eager to be debt-free, to have financial means to obtain 1) a nice place to live or 2) a means of transportation or 3) a way to ease the discomfort stemming from day to day living, and to cry aloud in a way possible in this modern society. Upon reading several online prayer requests, I feel my heart go out to these folks as many of us are familiar with financial limitations.

Today is a challenging time where once given items are not free. For example, at the fast food restaurants, I have to ask for ketchup for my order or get a fork to eat my salad. The canned fruit aisle has certainly changed. Pears used be in a 16 oz can for $1.29 and now are in a smaller 11oz can for $1.89. There are more empty stores than before. The auto service repair folks are outside flagging people to come in the door for immediate service. Checkout lines are longer because fewer people are employed to work the cash register. At a local preschool, the director omitted a classroom and two teacher salaries to remain on budget because enrollment is low.

Psalm 67 states "May God be gracious to us and bless us and make his face shine upon us, that your ways may be known on earth, your salvation among all nations."

Perhaps our financial challenging times are upon us to get our attention and reprioritize it on the One who can give comfort and financial peace.

If you are a military member or spouse and are in need of financial assistance, there are programs available but usually these are for the ones who have deployed or are currently deployed. Veterans have some other programs to reference. At a time when the military is reshuffling its pool of people, it is important to contact every possible resource, organization or network rather than sit on the couch, play on the computer and/or text all the time. Engaging in traditional old-fashioned social networking is a magical endeavor that you will benefit from in the long run.

National Guard 101: A Handbooks for Spouses

2012-05-14T07:14:00.000-05:00

Mary Corbett has written a book titled National Guard 101: A Handbook for Spouses. Her web site page is www.marycorbett.com. I highly recommend this book to fellow military spouses trying to learn about the Guard and what it is all about.

Hurray for Our Heros

2012-05-11T07:36:00.000-05:00

Final Question for the Wives of Faith Blog Carnival

Why do I love being a military spouse when it is not exactly the life that I wanted to choose for myself? I love the higher calling of loving my husband who serves his country because at the end of the day when all else is done, he comes home, not to a house but a home full of joy, encouragement and grace. It is an honor to love and support my hero.

For those who have wonderful heros seeking employment, check out Hire a Hero for more information about how verterans and their military spouses can find employment.

Cautious Turn in Europe Affects US Markets

2012-05-09T22:42:00.000-05:00

It is well-noted that after the French election, a cautious turn of events in Europe is affecting U.S. Markets. This is a disappointment as France is going to the far left politically at a time when it's unemployment rate remains in the double digit. I've toured foreign businesses and can vouch for French entrepreneurs that their paid workers will not work. Capitalism is dead. The quality of living is dismal. We complain of the French smelling bad but what the French people must do is not bath so as to conserve on their water bill. It's a matter of finances. A young educated woman must delay marriage and seek employment in a town two hours away from where she lives thus paying a high gasoline bill and spending a lot of time in the car. She commented that she is lucky to get the job. These folks are smart, educated and hardworking people yet the policital environment as well as the legal system restricts opportunity to profit and for capitalism to enhance the fruits of their labor. Perhaps other European countries are to follow. Back home, America may be a house divided between capitalism and socialism but it's offer of free enterprise may be challenged as politics and other special interest groups intervene. Hence caution is advised for accounts exposed to investments in European markets or for American companies who derive more than 50% of their profit in Eurocurrency.

Bird Picture For Wives of Faith Blog Carnival

2012-05-09T22:08:00.000-05:00

Some creative writing below where bird and military spouse parallel one another. The Wives of Faith Blog Carnival topic is to post a picture that you've taken and then describe the story. Below is a story from the female bird's perspective on life and her surroundings in the picture.

She sits. Yes, she sits and deals with the world and all its challenges coming her way. Is someone staring at her? Is an innocent bystander wondering what’s going on? Maybe for once it’s okay to let her guard down and show her true side. Is her mate looking at her with concern and love? Yes, her mate is looking at her. It’s nice that her mate is interested in her. It’s nice to know that her world matters to her mate. Yet, it’s as if the world is upon her little body, and she can’t sustain things anymore. She’s still. She ponders. She lets out a big breath and enjoys the relaxed sag of her body. She awaits the next move. Her present world is available for all to see. Her private world teeters upon exposure. She collects her thoughts. She prays. She wonders what’s next or not. She is uncertain of her future, only the present is telling. She is in her home. She’s tired. She needs rest and restoration. She seeks little in return for what she’s given. She comforts with her presence. She gives with what she can. She loves in a way that her mate understands. She cares beyond measure. She observes her surroundings. She collects her thoughts. She thrives in her mate’s love. She takes it all in. She prepares to become what God wills her to be.

I wrote this because often military spouses experience similar feelings and emotions that perhaps folks cannot grasp or acknowledge. It is a lifestyle that is different from many. There's a certain vulnerability that military spouses endure especially during times of deployment. When I took this picture at the zoo, I had no idea that I would draft this kind of write-up and yet when I look at this beautiful bird in the picture, I can relate to those times in my life where I am tired, uncertain and experiencing the very things written above. So often, we military spouses forget to take care of ourselves, nuture ourselves and rejuvenate our minds and bodies. Perhaps this picture is a kind of reminder for military spouses regardless of deployment or not, to make time for yourself. It's worth it.

The financial perspective to keep in mind is that health and wellness is a great preventative for costly medical bills. Taking a hot bubble bath or jogging or attending a bible study or something that brings fun along with health and wellness is a great long term investment for pennies on the dollar.

Best Military Spouse "Hoooah" Moment

2012-05-09T21:46:00.002-05:00

Accentuate the positiveand describe your best military wive Hoooah moment!

My husband’s Guard unit was returning from Iraq. It had been a long deployment for many, and back home, there were few there to receive folks. The main building was empty except for 2 or 3 people. I had a bunch of red, white and blue decorations from a Fourth of July party and decided to recruit folks to decorate the reception area for our Welcome Home Festivities. Being a small unit, I decorated the walls and even posted an American Flag doorway for folks to bust through as they came into the building, kind of like NFL where the football players run onto the field. Just a little touch of decoration was at least something that I could do for folks who served our country in a combat zone. Later my husband told me that the commander was grateful for the decorations as it was a morale booster for many. It’s nice to know that little efforts can go a long way.
Go to Wives of Faith for more information about the military spouse ministry.

Interesting Dream Sheet for Fellow Military Spouses

2012-05-09T21:45:00.000-05:00

Q. What duty stations or locations would be on your dream sheet?

A. While I love our current location, my dream sheet would be to relocate to Charleston SC USA. It is close to the beach, is full of history and is a city full of hospitality and Southern charm. Other than being the quintessential Hollywood of the South, Charleston SC offers a variety of cultural flare that few cities can replicate. I enjoy the lowcountry cuisine, and there is nothing like shuckin’ a few oysters at an oyster roast. Besides navigating the Intracoastal Waterway, touring many historic sites, partaking in outdoor activities and discovering the blend old Southern charm with modern society, I can think of no better way to spend the days strolling along Battery Park and watching the waves effortlessly witness the architectural glory of days gone by. Though the city remains, it’s people and the culture passed from generation to generation is unique and appealing to us diehard Southerners.

Go to Wives of Faith for more information about military spouses.

You Know You are a Military Spouse when....

2012-05-09T21:42:00.004-05:00

You know you are a military spouse when you show your military id to get on a military base.

You know you are a Guard spouse when you do not live near a base.

You know you are a christian military spouse when you join Wives of Faith.

Best is Yet to Be

2012-05-08T22:08:00.000-05:00

Military life can be challenging in many ways. Just when life seems like it is going in one direction then change occurs. Moving on can mean a mixture of emotions. It is sad to say good bye to the familiar. It is exciting to start a new adventure. It is scary to broaden your horizons. Whatever the case may be, it is important that the best is yet to be.

160+ Stores offering Military Discounts

2012-05-01T15:05:00.000-05:00

Stores offering military discounts...It's important to show them your valid military ID. From Brad's list

A&W – Discount varies, simply ask and have a valid military ID with you.
Abercrombie & Fitch – 10-15% off, at manager’s discretion
Advance Auto Parts – 10% off with military ID
Aeropostale – 10% off with military ID
Agentsource.com – Up to 40% off standard real estate closing costs for Active duty men and women moving in the United States or Canada
American Airlines – Discount varies, requires military ID
American Eagle Outfitters – 10-15% off, at manager’s discretion
American Video Productions -10% off to active duty, retired, families of military and dependents. Call and ask for the discount http://www.americanvideoproductions.net/
Amtrak - 10% off
Anchor Blue - 10% off
Anheuser – Busch Amusement Parks – Discount varies, simply ask and have a valid military ID with you.
Anna’s Linens - 10% off any purchase with Valid Military ID in store only
Apple Store - The discount varies, you need to sign up here – http://www.apple.com/r/store/government/
Applebee’s – Discount varies per location, simply ask and have a valid military ID with you
Arby’s- Discount varies per location, simply ask and have a valid military ID with you.
Ashford University – Discounted tuition at $250 a credit, books are covered for all required courses, waived application fee, waived technology fee and more! Benefits apply to all Active Duty, National Guard, Reservists and spouses, dependents eligible for survivor benefits, plus civilian DOD employees & separated vets/retirees still using their GI Bill.
ASMBA – Armed Services Mutual Benefit Association – Membership in the non-profit association is free, and, when you join, you’ll get $3,000 of free AD&D coverage.
AT&T – Discount varies, simply ask and have a valid military ID with you.
AutoZone– Varies Per Store - Discount varies, simply ask and have a valid military ID with you.
Avis – 25% off, online you should use this coupon AWD # A555084
Azamara Cruises – Discounts vary, 800-338-4962
Back Yard Burgers – Discount varies, simply ask and have a valid military ID with you.
Banana Republic – 10% military discount 1st of every month (may vary by location; in-store only).
Barnes and Noble – 6% off regular price plus free shipping, check out www.bn.com/militarycity
Barnhill’s – Discount varies, simply ask and have a valid military ID with you.
Bass Pro Shops – 10% off from the 15th to 22nd of each month
Bed & Breakfast Inns – On November 10th, over 500 Bed and Breakfasts are offering a free night stay to to veterans. Click here for the list of participating B&B’s.
Best Inns and Suites – Varies, must present Military ID with check-in
Best Western- Rates within allowable per diem, must present military ID with check in
Big 10 Tires – Discount varies, simply ask and have a valid military ID with you.
Blockbuster- Discount varies, simply ask and have a valid military ID with you.
Boscov’s- 15% off in-store purchases with military ID everyday.
Boston Bill Sunglasses – 10% off
Boston Market – 20% with military ID.
Buckle – 10% off, Free Shipping on all military orders
Budget – Varies, up to 25% off time and mileage Store, requires military ID to redeem
Budget Truck Rental – Discount varies, simply ask and have a valid military ID with you.
Burger King – Discount varies, simply ask and have a valid military ID with you.
Busch Gardens - One day complimentary admission for members of the military and 3 direct dependents in 2012. Here’s to the Heroes
Cabela’s - 10% off
Camino Real Apartments – 5% military discount
Captain D’s – Discount varies, simply ask and have a valid military ID with you.
Carl’s Jr. – Discount varies, simply ask and have a valid military ID with you.
Carnival Cruises – 10% off of cruise, but must be booked over the phone, and not online, as proof must be faxed in
Century 21 – FREE Century 21 AON Home Protection Plan when they buy or sell a home through Molly Kucharski ONLY paid for at settlement. Value = $399.00, call 1(800) 952-2516
Champs Sports – Discount varies, simply ask and have a valid military ID with you.
Chevy’s Fresh Mex – 20%, simply ask and have a valid military ID with you.
Chick Fil A – Varies, Discount with ID card (location dependent), discount varies, simply ask and have a valid military ID with you.
Chipotle– Discount varies, simply ask and have a valid military ID with you.
Choice Hotels – Rates at or below per diem depending on location. Discounts may vary and depend on availability. Must present military ID.
Ci-Ci’s Pizza – Discount varies, dependent on location, must present military ID
Clarion Inn – Rates within allowable per diem while on travel orders. Must present valid military ID with check-in
CoinsAndPins.com – 10% military discount on custom made products as long as the custom items are more than 60% military related
Cold Stone Creamery - Discount varies, must present military ID
Comfort Inn – Rates within allowable per diem while on travel orders. Must Present valid military ID with check-in
Copeland’s Sports - Discount varies per location
Cracker Barrel – 10-15% off, at manager’s discretion
DSW Designer Shoe Warehouse – 10% military discount
Dairy Queen- 10% off, location dependent
Days Inn – Rates within allowable per diem. Must present valid military ID with check-in
Dell Computers – Discount varies, simply ask and have a valid military ID with you.
Denny’s – Discount varies, simply ask and have a valid military ID with you.
Dick’s Sporting Goods – Discount varies, simply ask and have a valid military ID with you.
Discovery Channel Store – Discount varies, simply ask and have a valid military ID with you.
Disney Resorts – Discount varies, simply ask and have a valid military ID with you.
Disneyland - Military discounts are available only for tickets purchased at installation MWRs. Prices vary per date and length of visit
Dollar Car Rental – Allowable per diem rates
Dunkin’ Donuts – Veterans advantage members save 10% on all online orders. They also send free coffee to the troops oversees.
Eddie Bauer– 15% off most merchandise (some promotions excluded) with military ID
El Molino Coffee Shop - Free Shipping, online
Express Clothing Store- 10% off on top of other coupons as well with military ID
Extreme Outfitters -10-20% on miltary Gear, online and in Store
Eyewear - Discount varies, get the discount online at http://www.afeyewear.com/ – This site offers military discounts for a wide range of eyeglass companies
Finish Line - 20 percent military discount off select items at special locations
Foot Action – 20% off with military ID
Foot Locker – 20% off with military ID
Ford – Discount varies, http://www.encs.com/ford/
Forever 21 – 10% off
Friendly’s Ice Cream Stores – Discount varies, simply ask and have a valid military ID with you.
Gander Mountain – 5% off
Gap – 10% military discount 1st of every month (may vary by location; in-store only).
Geico – 2% to 15% in all states except Georgia, Indiana, Maine, Massachusetts, Michigan, Mississippi, New Jersey, New Mexico, Tennessee and Texas
GM – Varies, always well below MSRP. You can sign in online at https://www.exclusivegmoffer.com/ip-gmpop/initPop.do?program=mpp
GNC – Discount varies, simply ask and have a valid military ID with you.
Golden Corral – Discount varies, simply ask and have a valid military ID with you.
Great Wolf Lodge – Up to 33% off, discount varies however. Must book room over the phone rather than the internet.
GuideToMilitaryTravel.com– Another great site for military families to go to when looking for travel discounts.
Haber Vision – 50% discount on all sunglasses. Online at http://www.habervision.com/CodeResult.aspx?code=JB10222Q
Hanes Outlet Store – 10% off with Military ID
Hard Rock Cafe – 10% – 15% off. Varies for each location.
Hertz – Allowable per diem rates. Show valid military ID
Hewlett-Packard – Log on to website and click on New User Registration: Enter first and last name, user name, password and email address. Use company code: 2727. Discounts vary. Online only.
Hickory Farms - 10 percent Military discount – Enter 892848 in code box on online order form
Home Depot– 10% off Year Round, to active duty, active reserve, retired military, and immediate family. In-Store, just bring valid military ID
Hooters – 10% off with military ID
Hot Topic– 10-20% off with military ID
IAVA – IAVA, Iraq and Afghanistan Veterans of America, is a veterans organization that looks to help take care of the newest generation of American veterans. They also are working with companies, such as JC Penney, to provide up to $200 in vouchers to certain retail stores.
IHOP – 20% with Military ID at owners discretion
IMAX - $1 off movie tickets with Military ID
Inkshouse.com – 20% off $50 or more, use cod Mil20
istudysmart.com – Free Shipping for Military Families, Online, 9/15 – 10/14
Java Cafe – Discount varies, simply ask and have a valid military ID with you.
Jeep – $500 for active military, reserves and retired reserves or active after 20 years of service. Requires military ID
Jiffy Lube – 10% off with valid Military ID
Jockey – 10% off with valid Military ID
Jones New York Outlet Store – 10% off with valid Military ID
KB Toys – 15% off during advertised Military Days
KFC – Discount varies, simply ask and have a valid military ID with you.
Kragen Auto Parts – Discount varies, simply ask and have a valid military ID with you.
Lady Foot Locker – 20% off with military ID
Leslie Pool Supplies - 10% off with military ID
Lerner – 15% off
Long John Silver’s – Discount varies, simply ask and have a valid military ID with you.
Longhorn Steakhouse – 10% military discount (this may not be honored at all locations)
Lowe’s – 10% off year round to active duty, active reserve, retired military, and immediate family. Just bring in a valid military ID. The military discount, however, cannot be combined with other coupons they may be offering.
Macy’s – 10% off on the first Tuesday of every month, 15% with a Macy’s card. Here are more Macy’s Coupons.
Maurices– 10% off with valid military I.D.
Marriott Hotels – It’s the Per Diem amount the government picks up, whatever that amount is. Just call and place the reservation over the phone and ask for that discount. Online at http://www.marriott.com/reservation/worldnum.mi
Mary Kay Cosmetics – Military personnel and dependents receive 10 % on online orders. Reference your service affiliation and status, and ask for additional free gift and bigger discounts by contacting website.
McDonald’s – Discount varies, simply ask and have a valid military ID with you.
Meineke – 10% off parts. In store only. Simply ask and have a valid military ID with you.
Michaels- 10% off every Wednesday at select stores. Call your local store for participation.
Midas – 10% off
MilitaryContacts.net – Up to 30% off contact lenses and free shipping on orders over $50
MLB Hall of Fame – Discount varies, simply ask and have a valid military ID with you.
Movie Theaters – Discount varies, simply ask and have a valid military ID with you.
Mrs. Fields Cookies - 10% off with military ID, coupon link
My Cruise Club – 9% off on all cruises www.militarycruisedeals.com
NAPA Auto Parts – Discount varies, simply ask and have a valid military ID with you.
Nautica - 10% off with military ID
National– No fee for additional drivers, and special off duty rates per location. Service members receive full loss damage waivers
National Credit Solutions – 25% discount, call toll free at 866-485-2540 x109, and for a direct line please call 972-746-4209
New York and Company - 15% off military discount
Nextel – 18% Discount, call 1-800-639-6111
Nickelodeon Hotels – Reduced rates and perks, online and in store, www.nickhotel.com/military , 877-NICK-111 and ask for the Military Family Package.
Nike – 10% off, In-Store. For official company policy please check out http://www.nikebiz.com/customer_service/discounts.html
Nuvo - $30 off Ritmo Pregnancy Sound System. You can call 1-888-688-6462, or use coupon code MILITARY99 online at http://www.nuvo-group.com. Valid military ID required for in-store purchase.
O’Reilly Auto Parts – Discount varies, simply ask and have a valid military ID with you.
Oakley – There is a website you register with that offers Oakleys at a discounted price. It doesn’t say how much that price is though. Check it out online at https://secure.usstandardissue.com/
Old Navy – 10% military discount 1st of every month (may vary by location; in-store only).
Pac Sun – Discount varies per location, just bring in a vaild military ID and ask
Panchero’s Mexican Grill – Discount varies, simply ask and have a valid military ID with you.
Pancho’s Mexican Buffet – Discount varies, simply ask and have a valid military ID with you.
Panda Express – Discount varies, simply ask and have a valid military ID with you.
Paradise Limousine – $25 Off Limousine Service Coupon Code: 1369 for service members
Payless Shoe Source – 10% off
Pep Boys– 10% off with valid military ID
Pizza Hut– Discount varies, simply ask and have a valid military ID with you.
Play It Again Sports – Discount varies, simply ask and have a valid military ID with you.
Professional Sports teams – Discount varies, simply ask and have a valid military ID with you.
Pure Beauty – Discount varies, simply ask and have a valid military ID with you.
Quiznos – Discount varies, simply ask and have a valid military ID with you.
Race-Depot – 10% off, use code 10MILCITY
Rack Room Shoes – 15% discount. Bring in valid military ID
Raising Cane’s Chicken – Discount varies, simply ask and have a valid military ID with you.
Ralph Lauren Outlet Store – 10% off with Military ID
Ramada – 15% to 30% – depending on availability. Must present military I.D. upon check in.
Red Robin– Discount varies, simply ask and have a valid military ID with you.
Regal Movie Theaters – Matinee prices for all show times. Requires Military ID
Ripley’s attractions and museums – Discount varies, simply ask and have a valid military ID with you.
Rocky Mountain Chocolate Factory – 10% military discount
Rocky Mountain Tracking – 5% off any tracking inc. Use code USMILITARY, http://www.rmtracking.com/
S&K Menswear – 8% Discount on all items free shipping on orders over $99 & APO/FPO shipping. To access the military site at S&K you must go through their AAFES Exchange Mail Online service. http://bdeal.me/aCVq2X
Sally Beauty Supply – Discount varies, simply ask and have a valid military ID with you.
Samsonite - 15% off with military ID
Sea World– One day complimentary admission for members of the military and 3 direct dependents in 2012. Here’s to the Heroes
Sesame Park Place - One day complimentary admission for members of the military and 3 direct dependents in 2012. Here’s to the Heroes
Shedd Aquarium in Chicago- Free general admission with military ID. On the Shedd Aquarium page that is hyper linked here, scroll down to “Other Discounts” to find out more information.
Shoe Carnival – 10% off with military ID
Sierra Suites – Rates at or below per diem depending on location. Discounts may vary and depend on availability. Must present military ID.
Simone Protective Health – 20% off their nutritional hydration drink.
Six Flags Magic Mountain - Service members receive special discounts on admission for special events and specific dates. Tickets must be purchased in advance MWR and ITT 143. Recreation offices, not at the park.
Sizzler – Discount varies, simply ask and have a valid military ID with you.
Sonic – Discount varies, simply ask and have a valid military ID with you.
Southwest Airlines – Varies, it’s a dollar amount, not a percentage. Not available on all flights, you’ll have to call Southwest and simply just ask.
Spencer’s Gifts – Discount varies, simply ask and have a valid military ID with you.
Sport Chalet – 10% off
SportsMemorabilia.com – 10% off at checkout, use code mili10 online
Sprint – 10-18% off. Sprint will also put a “hold” on your line when you are deployed, if you provide a copy of your orders, so you still have the same number when you come back and you do not have to pay for the time your gone as well.
Sprint Business – 15% to 20% Discount, 1-888-788-4727
Subway – 10% off, if not in a military town
Suzuki – $500 off for you and immediate family. Requires military ID
Sweet Tomatoes – 10% off with military ID
Szul- Free shipping to Military APO/FPO destinations until 12/31/10. http://bdeal.me/dnZ6Fb
Taco Bell– Discount varies, simply ask and have a valid military ID with you.
Texas Roadhouse – 10% military discount
The Melting Pot – Discount varies, simply ask and have a valid military ID with you.
Timberland Outlets – 15%, bring in valid military ID
Tommy Hilfiger – 10% with valid military ID
Toyota – $500 off + $500 for firs time buyers. Requires military ID
Travelodge– Rates within allowable per diem. Discounts may vary and depend on availability. Must present military I.D
TurboTax– Active duty military are eligible to file federal tax returns for free through the Intuit Tax Freedom Project
Under Armor Outlet Store – 10% off with military ID
United Artist Movie Theaters – Matinee prices for all show times. Requires Military ID.
Verizon – 23% discount on monthly bills. Applies only to the military member’s primary line.
Vets-Cars.com – an auto dealer association that pledges “thanks, respect, low up-front pricing, transparency and a superior showroom experience for U.S. Veterans, Active Duty and family members.”
Walgreens– 10% with military ID every Tuesday
Wendy’s – Discount varies, simply ask and have a valid military ID with you.
Wet Seal- 10% off
Wildlife Conservation Society’s Bronx Zoo – Free admission ticket for active duty or reserve member of the military, also allows 50% discount in admission for up to 3 family members
Wildlife Conservation Society’s New York Aquarium – Enrolled military get in for free and 50% off for up to 3 family members http://www.nyaquarium.com/
Wing Zone– 10% military discount in Alabama. Ends 12/31/2015
World of Coca Cola – $2 off standard admission price for service member with I.D. and up to four guests.
Wyndham Hotels – Discounts vary by 140 locations. Also depend on availability. Must present military I.D. upon check in.
Zaxby’s – 10% off with military ID

Deployment Tips

2012-04-23T12:27:00.003-05:00

Here is a neat list of 101 items to send a care package to your sweetheart.
Jane's List Deployment Tips