Friday, January 20, 2017

Quote of the day by Author Unknown

"Adversity introduces a man to himself." — Author Unknown 

Thursday, January 19, 2017

Quote from Dalai Lama

"Every human action, whether it has become positive or negative, must depend on motivation." — Dalai Lama 

Tuesday, January 17, 2017

Friday, January 13, 2017

Quote from Jimmy Johnson

"The difference between ordinary and extraordinary is that little extra."— Jimmy Johnson 

Tuesday, January 10, 2017

Quote from Abdul Kalam

Abdul Kalam"Those who cannot work with their hearts achieve but a hollow, half-hearted success that breeds bitterness all around." — Abdul Kalam 

Monday, January 9, 2017

Quote from Samuel Beckett

"Ever tried. Ever failed. No matter. Try Again. Fail again. Fail better." — Samuel Beckett 

Sunday, January 8, 2017

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


Friday, January 6, 2017

Quote by Japanese Proverbs

"Vision without action is a daydream. Action without vision is a nightmare." — Japanese Proverbs 

Thursday, January 5, 2017

Wednesday, January 4, 2017

Monday, January 2, 2017

Quote from William James

William James"The greatest discovery of our generation is that human beings can alter their lives by altering their attitudes of mind. As you think, so shall you be." — William James