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Derek Bliedung
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The 3 best business books of all time (Will help you to get ahead in life)
One of the best books on motivation which inspired me was Napoleon Hill’s book “Think & Grow Rich”, until I have read Napoleon Hill's his complete work the "Law of Success" which was simply amazing. The best book on money management of would be "The Richest Man in Babylon: The Success Secrets of the Ancients" by George S. Clason. I know these are some very old books, but the classics hold their value over the centuries, and they lessons are as true today as they the day they where first written

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Columbus Financial Coach's ways to save big with open boxes, refurbished, dent & scratched
Are you paying the premium to have brand new box, and 5 seconds after you open it it drops 20 % what is the logic in that? Just because you want to feel all warm and fuzzy that you are first person that used the item? If you are open mined enough to think that you can be saving same major bucks buying open box, refurbished, dent & scratched item.

Some great deals buying refurbished computer and electronics. What is a open boxes, refurbished, dent & scratched anyways? Open box means that someone returned it to the store. refurbished means it could have been an open box, they tend to be an items that have returned for warranty and repaired, or off lease from a company. They are cleaned, fully tested, and if they have an issue are repaired. Well, now dent & scratched items tend to be appliances like ranges, refrigerators, dish washers, washer & dryers and even stuff like hot water tanks. So does it really matter if there is a small scratch or dent on the side of your new washer and dryer that you going to place into the basement or hide in a closet? Why do you need to pay extra for something that no one will see or even care about.

If you buy a refurbished laptop I would buy the 2 year warranty. That way you can keep replacing it. The only thing your paying for it the new warranty each time you get a buyout. Laptop life is about 3-5 years, and if the notebook was used for about about 2-3 years the life spend of laptop will not last the whole 2 years in most cases. This way you keep getting a new laptop every 1.5 years. I know from experience that refurbished laptops have lasted less then 2 years. I had very good luck with new and refurbished desktops lasting about 7 years (that is also about the time you want to toss it out of the window because it becomes way too slow! That is even if they are working fine).

The same goes with tablets, TV, electronic appliances, there is nothing wrong with these used units as long as it is cost effective to to buy the extra protection plan. Most refurbished units only have a 90 day warranty which is way too short, in my option. You can also buy the low cost electronic item and buy a protection plan for it, that way if it dies after the warranty you get a new model. I was at the Best Buy and the representative never thought about that angle before.

By Derek P. Bliedung
Columbus Financial Coach

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Make Life Easier: Learning Transcendental Meditation:

It is not difficult to learn transcendental meditation. If you are looking to escape from the whirlwind of ringing cell phones, traffic snarls and screaming kids, transcendental meditation can provide a peaceful getaway from the craziness of everyday life.

In 1958, Maharishi Mahesh Yogi formally introduced his transcendental meditation technique. Since then, he has written several books, lectured and toured extensively all over the world and trained over 40,000 teachers. Transcendental meditation is now practiced in the workplace, at home and in medical settings. In addition, doctors and health professionals are increasingly prescribing transcendental meditation as means of combating anxiety disorders and stress.

You may be wondering what is transcendental meditation and what makes it different from other forms of meditation? One of the most exciting elements of the transcendental meditation technique is that it so simple and easy to practice. With the right focus and dedication, you can learn transcendental meditation in a matter of moments.

Basically, during the meditation session, your body enters a deep and peaceful state of relaxation, while maintaining alertness and clarity. First, the person chooses a word or image to focus on, perhaps a religious or cultural symbol that has special meaning. As the person replays this word or image over and over, the body descends into a deeper and deeper state of restfulness. The session can last anywhere from 10 minutes to an hour and should take place in a calm and relaxed setting, with minimal noise and distractions.

No other meditation technique has been so extensively studied and researched. During transcendental meditation, the brain falls into a theta brain wave pattern (akin to sleep and deep relaxation), which then carries over to the state of wakefulness. Physical benefits include increased mental comprehension, focus, retention and creativity. Another interesting benefit is the actual reversal of the aging process. In a study conducted by the International Journal of Neuroscience, the biological age of practitioners of transcendental meditation was, on average, twelve years younger than their chronological age. Transcendental meditation also has positive effects on age and stress related conditions such as insomnia, high blood pressure, decreased visual acuity, hearing loss and depressed cerebral blood flow.

It is interesting to note that adherents from all religions choose to learn transcendental meditation. Although it has roots in Hinduism, the transcendental meditation technique can be applied to any cultural context. In fact, those who learn transcendental meditation are encouraged to adapt symbols that have meaning and depth for the individual. For example, a rabbi may choose to focus on a symbol or image rooted in Judaism to enhance the effectiveness of the session. In contrast, an agnostic may choose an image from nature such as a beautiful meadow or sunset to achieve relaxation. The beauty of transcendental meditation is its flexibility.

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Through a Financial Coach & his Personal Money Management Tips a person can designate his current income to protect his future. Columbus Financial Coach is one of the Best credit counselors in Columbus, Ohio.

By Proper Personal financial coaching ensures that an individual has the proper amount of cash at correct time as and when financial need arises in future. It's a method that helps an investor find out more than a few approaches by way of which he can reach his/her outlined & desired targets by using gathering crucial expertise about his current fiscal popularity and adopting suitable strategies. Columbus Financial Coach helps not only to meet future financial expenditure but also involves protection of self and family against any future contingencies. Columbus Financial Coach is right place which helps the local and national families to meet their current and future financial needs

You don't require large purchases to avoid wasting money for things you want in life. A just right savings plan can aid you prioritize and pay for the things you wish to have without taking over an excessive amount of debt. Here is learning how to create your own financial savings plan.

1. Establish your savings targets.
Make a record of the items you need to save up for, whether or not it's a brand new house, a vacation, new vehicle or a the newest fashionable item. Start off as widely as possible, and then narrow it right down to the objects you want to avoid wasting money for currently or which can be postponed. Remember, the extra financial savings ambitions you've gotten, the more a revolutionary & comprehensive financial coach will help you keep on monitor to pursue them.

2. Assess the expenditures.
Subsequent, figure out the expenses of each and every of your goals. For items you might pay for all at once, like a vacation, incorporate all of the the cost. For items you would take a loan for, like a house or car, factor in the down payment. Many mortgage or car buying web sites have calculators to help you determine what the down payment will be needed.

3. Set a target date.
Now investigate the period of time you must save for each and every purpose. For objectives which are a year or two away, keep in mind maintaining your financial savings in a low-threat savings account that protects your money. Low-hazard savings autos incorporate average financial saving accounts, money market savings accounts and CDs, to name a few. For longer-term objectives, you may also don't forget investments similar to shares or mutual cash funds, considering an extended window can give you time to get well from inventory market fluctuations. As you get toward accomplishing a goal, it can be normally a good idea to transfer extra amounts from your investments to scale down-chance financial savings products.

4. Let us do the math.
Now you have got to divide the total cost of each and every of your targets (from step two) through the no of months you need to attend (from step three), and add them up to see how much you need to save each & every month. Try utilizing our Personal financial coaching for savings Plan Worksheet to support determine your month-to-month financial savings target.

5. Regulate as needed.
Compare the monthly target from your financial savings spreadsheet to your present rate of savings. If you are not saving sufficient you can either:
· Expand how a lot you shop through cutting monthly expenditure. A finances planner from Columbus financial Coach can assist you to find ways to trim you’re spending so that you have more money for financial savings every month.
Regulate your ambitions, either with the aid of putting off much less most important ones or via pushing again the target date for ambitions which you could postpone. Our financial savings spreadsheet makes it easy to revise your savings goals except you find a quantity that matches your budget, so make the effort to tinker along with your timelines.

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One free hour of Law of Attraction coaching in person or over the phone

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How to develop controlled enthusiasm

Adopt a definite major purpose.
Write out a clear statement of that purpose and your plan for attaining it. Include a statement of what you intend to give in return for its realization.
Back your purpose with a burning desire. Fan that desire; coax it, let it become the domination thought in your mind.
Set to work immediately in carrying out your plan.
Follow your plan accurately and persistently.
If you are overtake by defeat, study your plan carefully, and change it if necessary. Do not change it simply because you have met defeat.
Ally yourself with others whose aid you need.
Keep away from joy-killers and naysayers. Stick with the optimists.
Never let a day pass without devoting some time furthering your plan. Habits require reinforcement.
Keep yourself sold on the idea that you will obtain your definite major purpose, no matter how far away that moment seems. Auto suggestion is a powerful force in developing enthusiasm.
Keep your mind positive at all times. Enthusiasm will not thrive in a field full of fear, envy, greed, jealousy, doubt revenge, hatred, intolerance, and procrastination. It needs a positive thought and action.
Enthusiasm is the natural outgrowth of all your efforts towards success. You now know the tools in order to build your enthusiasm, begin to build your foundation at every possible moment.

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"Dream, Dream Big Dreams!
Others may deprive you of your material wealth and cheat you in a thousand ways, but no man can deprive you of the control and use of your imagination. Men may deal with you unfairly, as men often do; they may deprive you of your liberty; but they cannot take from you the privilege of using your imagination.
In your imagination you always win."
Jesse Jackson

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" you are most efficient and will more quickly and easily succeed when engaged in work that you love, or work that you perform on behalf of some person whom you love."
Napoleon Hill

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People often accept failure as a curse, few people ever really understand that failure is only a curse when it is accepted as such. Unfortunately few people learn the truth that failure is seldom permanent.
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